23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to XXXX to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but XXXX has not responded to my letters. Please have XXXX to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

after several interactions of trying to get two accounts removed because i never gave consent for them to report it they still remain on which is illegal.
Product: Debt collection

Good morning Express credit card : last XXXX of account number : XXXXComenity-express I paid off this account over the phone and requested it to be closed. The account was paid to zero. Then a couple weeks later I got a bill for XXXX XXXX i called the company and was informed that it was being recorded so I hope they still have it to confirm my part of my dispute. I had informed them that i paid off the account they looked into it and said that i owed a XXXX dollars for paying over the phone but when i was paying i was specific that no other charge was going to be added and our business was done then they said i had to pay again then i asked will i be charged for paying over the phone they said no so then i said so why was i charged in the start i refused to pay because i feel they are attempting to unlawfully take more money from me for no reason i paid off the account they are trying add charges that i was not made aware of and if they truly recorded our call i request those recording and it will verify my part. They have damaged my credit extremally and i would like help please. Thank you
Product: Money transfer, virtual currency, or money service

was sent {$1600.00} on XX/XX/XXXX for auto parts i sold. was told by paypal i needed to upload tracking and wait for parts to deliver before the payment posted. parts delivered XX/XX/XXXX with a signature and buyer reports parts have been recieved in good condition. have made XXXX attempts to resolve and am not getting any answer. was told a claim was opened twice and received no further communication when i asked about the claims.
Product: Credit reporting or other personal consumer reports

I obtained this mortgage XX/XX/XXXX. In XXXX I requested a loan modification. I received paperwork that belonged to a totally different person m. The home was in Florida XXXX over XXXX, and not in my name. All the mortgage paperwork including personal information/social security/account numbers . There was a lot of back and forth with XXXX because they didnt believe that I had this information, even though I couldve easily sent proof. 

Fast forward to now ( XX/XX/XXXX ). There is no record of my mortgage on my credit report. Not on any of the 3 major credit bureaus. I contacted XXXX who informed me that they are reporting my mortgage, and to contact the credit bureaus. 

XXXX informed me that they were able to locate the account however it is under another persons name, my social, being reported on their report. Of course they couldnt tell me the name of the other person. 

XXXX. After them telling me to dispute it online and me telling them how if the account isnt showing up to dispute. After being transferred numerous times due to incompetence, a person looked up the account with my information and informed me that it is being reported, on another persons credit report, my loan number, my social security pulls it up, another persons name. 

At this point I didnt try Equifax XXXX 

I called XXXX back. Informed them of the information gathered. Informed the representative of the loan modification paperwork I received years ago that wasnt mine however XXXX didnt take seriously. She looked back on that year in my account, lets say without her being able to confirm that I was right, she never said it didnt happen. 

She told me to write to their credit dispute department with proof that they arent reporting ( you can pull my credit report and clearly see no mortgage is reporting ) and to wait 30 days. 

There is no use. If they are adamant they are reporting and are not looking that 1. My information is on someone else credit report, 2. my social security is out there, 3. I got another persons mortgage information in my safe, it is beyond working with this company. 

I been denied home improvement loans, XXXX XXXX  XXXX ) closed my account due to me not needing credit because I am not a homeowner, and my credit score cant get above XXXX because there isnt a mix of accounts on there due to this.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these accounts ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX  XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX I don't have a contract with SUNRISE CREDIT SERVICE, they did not provide me with the original contract as I requested. Also the burden of proof falls on the collection agency not the consumer. I find it concerning that SUNRISE CREDIT SERVICE collections is not complying with legal requests. If SUNRISE CREDIT SERVICE can not provide proof they sent validation of debt, I demand this account be removed from my credit report as it is my right per FCRA section 623. ( a ) ( i ).
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX {$740.00} on XX/XX/year> CREDIT CARD opened at XXXX XXXX {$920.00} on XX/XX/year> CREDIT CARD opened at XXXX XXXX XXXX {$910.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Checking or savings account

On XXXX, I deposited a check issued by XXXX XXXX XXXX at a Huntington ATM. The ATM misread the check amount as {$820.00} rather than {$620.00}. I caught the error in the first XXXX and entered the correct amount on the ATM, but missed the second XXXX, so the deposit read XXXX. On XX/XX/XXXX, 7 days later, I received a letter stating simply that 'Your account has been debited {$620.00} Please adjust your records accordingly. ' There was no further action taken. I called on XX/XX/12 and after being placed on hold several times and transferred once for over 50 minutes, the response was 'We 'll file a claim to see if it can be credited. You'll need to send us a copy of the check. It will take 3 to 5 business days for an answer. ' They had the check! They sent a copy TO ME. I called XXXX XXXX XXXX, and they did not receive it back and said the check should have been simply redeposited for the correct amount. 

Instead, 20 days after I deposited the check, I received a call saying that the check was non-negotiable and would not be re-deposited. The reason given was that the check was altered. I again explained that the check was not altered. It was for {$620.00}, which the copy they sent me clearly showed. The ATM simply read it incorrectly. The check was valid and negotiable when I deposited it. I asked how it had been altered, and the representative, XXXX XXXX at XXXX refused to tell me. I asked that they call the issuing bank to verify it, and was told no. I asked that they send me the check back, and I was told it had been destroyed. 

The copy they sent to me with their original letter did not appear to be altered in any way. Banks should not be allowed to mishandle funds in this way with no recourse. Consumers should not be responsible for bank errors and the charges and loss of income incurred as a result.
Product: Mortgage

I refinanced my home loan with Freedom Mortgage to wrap in a home equity line of credit and to get a lower interest rate. The closing on the new loan occurred on Tuesday XXXX XXXX. The loan proceeds for the first loan were paid off on XXXX XXXX. 
According to Chapter 27 - Real Estate Settlement Procedures, Section 2605, sub-section ( g ) Administration of Escrow Accounts, " Any balance that is in the servicer 's control at the time the loan is paid off shall be promptly returned to the borrower within 20 business days or credited to a similar account for the new mortgage loan to the borrower with the same lender. My new loan already had included six months of prepaid escrow money. 
Repeated calls were made to the lender both by me and by my local Mortgage Officer for the company that had the Line of Credit. The lender 's call center and Escalation Department all could see my balance sitting there in a closed account. None could explain why the refund was not issued or what delayed it. The first call was made to the lender on XXXX XXXX to inquire on the status. The XXXX business days from the loan payoff was XXXX XXXX. I finally had a call from the Escalation Department at Freedom Mortgage that the check was sent on Monday XXXX XXXX. The check was dated XXXX XXXX but the envelope was postmarked Friday XXXX XXXX and arrived in my mailbox on Monday XXXX XXXX. So the check was mailed 27 days following the required XXXX business days ( in other words 47 business days after they received the loan proceeds to payoff the original loan ). 
I told them that the action was a violation of Federal Banking Regulations. This particular 20 business day regulation was amended to the law on XXXX XXXX, 2010 as an action stemming from the XXXX XXXX problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Self/ Lead posted a late payment on my report after calling to explain to them that it was a mistake on their behalf. When signing up for the account I put the account on auto pay to be automatically deducted from my account in the amount of {$25.00}, at the moment the bill was due and on a consistent basis I hold hundreds to thousands of dollars in my account. They failed to post my payment as outlined within the Fair Credit Billing Act and therefor has violated my rights. Please remove this late payment for it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX and they even confirmed they never had me in their systems. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report number # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Louisiana XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Ss # XXXX Subject : Request for Reinsertion of Previously Deleted Information under FCRA Report number # To Whom It May Concern, On [ I disputed an account reported by [ XXXX ] account # XXXX ] Ss # XXXX D.O.B XX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Date of last report : XX/XX/XXXX Creditor : XXXX ] report number # XXXX XXXX XXXX Ss # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La XXXX
Product: Mortgage

In XXXX we were refinancing our home to get a lower mortgage rate. My wife and i both got XXXX the week we were to close on the refinancing. since we could not sign the closing documents at that time we called Freedom Mortgage and tried to set up another closing time. they put us in COVID which had us not paying any payments for 12 months. this was over on XXXX XX/XX/XXXX. In XX/XX/XXXX my wife and i called Freedom Mortgage and was told that they would be sending us a new contract. We received this contract in XXXX XXXX we took it to a notary and signed everything then sent the packet back. We started getting calls from Freedom Mortgage on a bi-weekly basis stating that we were behind on our payments in the amount of {$25000.00} and we needed to make a payment. We told the collections department of Freedom Mortgage that we had already signed the new contract and that we were going to make the first payment on XXXX XX/XX/XXXX like the contract said and we also asked why they were calling since our new contract was signed and submitted. We were told that there was an error on the new contract and that it needed to go back to the underwriters for corrections, we would be getting a new contract to sign but to make the payment on XXXX XXXX like we agreed to. We did make XXXX and XXXX payments but we never recieved any new documents and the debt collection calls still came weekly to bi-weekly. i spoke to several different representatives and none of them would give me the same answer, i finally asked if they could tell me if my XXXX and XXXX payments were on my debt or on my new contract and again i never received a confident answer. one person would tell me one thing and someone else would say no that is not right. It is now XXXX and again i received a letter from the underwriters saying that they approve my loan and the documents are coming. The debt collectors are still calling and now they are starting the process all over again, they said that my payment will be x amount and that the first payment is due XXXX XXXX but i still have not seen a new closing document and i don't want to start paying money again without knowing where it is going. I have been dealing with this since XXXX of XXXX and all i want is a signed legal document stating that i pay x amount for x years and my home is mine. I am not trying to get out of paying my mortgage i just want to be sure that the money that i am paying them is going toward my mortgage and not just being thrown away. every time we call we are told that they are very behind and to be patient. i do not want to lose my home but i don't want to throw my money away either. i am just asking for some help to get the correct documents.
Product: Debt collection

I used Wakefield & Associates ' online contact form to request my account number so that I could pay my debt, but I have not received any communication from the company since. Look, I fully understand that I could call the number listed on the website, but we live in the 21st century. Written electronic communication should be available for everyone, and although I am not hearing-impaired, there are many individuals who rely on written communication and could not reasonably be expected to only communicate over the phone. 

I am sure that Wakefield & Associates has at some point mailed me a letter containing my account information, but due to a break-in I had to quickly move and change my address. Again, we live in the modern internet era ; everyone should want to communicate over email, as everything is recorded, timestamped, and signed. If there is some sort of data security issue involving sending this information over email, I would expect at least a " We're sorry, we can't email you this information '' autoreply. 

I used the online contact form located at https : XXXX on approximately XX/XX/2022 regarding an account balance of {$310.00}. 

I just want to know my account number so that I may make an online payment. This is ignoring the incredibly confusing payment portal on your website, which contains three separate buttons for different payment portals. Is this complexity truly necessary?
Product: Credit reporting

While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Experian and that the federal courts does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Experian? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. If they would actually call or ask for the documents they will actually see that this is not mine!
Product: Credit card

Re : Final Notice of Noncompliance Unauthorized Consumer Reporting, Willful Neglect, and Demand for Removal of Inaccurate Tradeline Information To Whom It May Concern : This notice is concerning the ongoing matter of your company 's willful neglect and continued noncompliance regarding the unauthorized and inaccurate reporting of my private source data to consumer reporting agencies. Despite repeated notifications and opportunities to rectify this situation, your company has failed to remedy the inaccuracy and incompleteness of the information in question. Further, your actions lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), resulting in significant and continuous harm, including defamation, breach of privacy, and financial injury. 

To date, all administrative remedies have been exhausted, and your company 's failure to respond appropriately leaves me with no option but to pursue alternative measures. 

Accordingly, if the inaccurate tradeline and unauthorized information are not promptly removed from my consumer report within fifteen ( 15 ) days from the date of this notice, I will proceed as follows : Filing of IRS Form 1099-C : I will initiate the process of filing a Form 1099-C with the Internal Revenue Service ( IRS ) , requesting a discharge of any alleged debt related to the unauthorized tradeline reporting, as such debt, if any, is invalid and has caused me undue harm.

IRS Audit Request : I will also submit a demand for an audit of the relevant account to the IRS to determine the legitimacy of your company 's actions and compliance with federal regulations concerning the handling of consumer data and permissible reporting practices.

Filing of IRS Form 3949-A : A formal IRS Form 3949-A ( Information Referral ) will be submitted, highlighting potential tax law violations by your company in relation to the unauthorized use and dissemination of private source data without a permissible purpose, unjustly enriching your company at my expense. This filing will include an attached fee schedule for each documented violation. 

I remain prepared to take all necessary steps to protect my rights, including pursuing legal action for damages resulting from your continued failure to comply with applicable laws. Should I not receive immediate confirmation of the removal of the inaccurate tradeline and related information, I will proceed accordingly without further notice. 

Please consider this your final opportunity to correct this issue and avoid the aforementioned actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported incorrectly on my credit report. I have attached two credit reports that they have two different ratings. I have paid off a collection account in 2019 through a settlement they offered me. All payments were made through my Wells Fargo account. Last week through XXXX XXXX, I had been alerted that Wells Fargo reported inaccurate information. I am in the middle of purchasing a home, and because of this inconvenience, it has dropped my credit score over XXXX points.
Product: Student loan

I've had Navient as my student loan servicer for many years. A couple weeks ago I transferred my large student loans to a new servicer ( XXXX XXXX ). The payoff to Navient was complete on XX/XX/2022 as is reflected on my Navient account page. Navient received the full amount ( in fact a slight overpayment ). Just for good measure -- to be extra safe -- I turned off auto-pay and deleted my bank account information from my Navient account. Did that 2 days ago. Maybe XXXX. This morning ( XX/XX/2022 ) I see Navient has withdrawn the usual amount ( XXXX ) from my bank account. WITHOUT AUTHORIZATION. And without my owing a penny. 

This is theft. Any other descriptions are doublespeak. They stole the money today. I want it back today. 

Whatever help you can give me will be appreciated. 
THANK YOU.