23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan with Midland Mortgage and it's been paid on time and up to date. Midland mortgage reported to the credit report that I was in a forbearance when it's not true. I am not in a forbearance or any type of program. I never applied and never requested anything like that. I was applying to refinance with my local credit union and was denied due to the false report from Midland mortgage. Now I have to wait months to be able to apply for refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. I told the XXXX, TransUnion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I keep getting a certain debt collector call me from Virginia saying I still owe money but am not longer going to be sewed bt Capital One. Apparently it was an account opened in XX/XX/XXXX and some payment was made in XX/XX/XXXX. I do n't understand.
Product: Mortgage

I have been paying my mortgage for 15 years automatically from my bank. My escrow amount increased in 2017 so my electronic payment from my bank went out on XXXX XXXX for my XXXX XXXX Mortgage payment before I increased the amount. Obviously my XXXX payment was less than the expected amount and since it was made in XXXX the bank assumed it was an additional payment and applied it to principal. I later called the bank and paid the difference for the new escrow amount and they told me they backed out the prinicpal payment and applied both payments. They removed a late charge and all seemed fine. I got a call this morning at XXXX XXXX saying they never received my XXXX payment and it is more than 30 days late. I logged on to my account and I have paid both XXXX and XXXX 's mortgage payments in full yet they are claiming I have n't paid XXXX 's either. While this may be an honest mistake they have now ruined my credit which was XXXX before this but because they seem to think my payment is 30 days late they say they will report it to the credit bureau. I have XXXX new young children and am currently shopping for a new mortgage to get a bigger house. This obviously hurts me a lot as my stellar credit is now not so stellar. I think they need to be held to a higher standard when they have such power over peoples lives and I do n't actually think it 's an honest mistake. So just to summarize I have made both XXXX 2017 and XXXX 2017 mortgage payments in full and on time but they claim I am 30 days late on XXXX 's payment and that I have n't made XXXX 's payment. How is that possible when it shows on their website that they have received them. I think bank of america has shown in the past that they do not have the consumer 's best interest in mind and they have been reckless.
Product: Credit reporting or other personal consumer reports

I don't have any information about these inquiries, and the company did them without my permission.
Product: Bank account or service

I closed my savings and checking account at Key Bank. Both accounts where started in 2013. I did not opt in to overdraft protection. After closing the account, key bank paid debtors I was unaware of in overdraft and charges overdraft fees totaling XXXX They made no attempt to contact me until months later, and where unwilling to work with me at all at a branch. In accordance with the law, I want the charges stricken.
Product: Credit reporting or other personal consumer reports

1. XXXX Account # XXXX - delete immediately - update monthly payment amount - show documentation of how the late payment reported on XX/XX/XXXX was confirmed to be accurately reported and verified. 
- How much was paid XX/XX/XXXX? 


2. XXXX XXXX XXXX account - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

3. XXXX account ( this account is reporting negatively, within the payment history it is coded as collection account instead of closed, provide documentation showing this was or is a collection account, provide proof that this account was late or owed a balance ) - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

4. Dept of Education - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 
- Provide proof showing there was no payment made on XX/XX/XXXX, the report shows previous month to be on time yet the following month shows 90 days past due. 
delete immediately.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These same failures align with my experience with TransUnion, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I tried to add money to my American Express Serve Card ending in XXXX on XX/XX/2019 but I got an error message. I called the customer service the same day to inquire about the problem. I was told that they needed to verify that I'm the owner of the credit card I'm trying to use to add money to my serve account. They sent me a link by email requesting a copy of the bank statement and my Driver 's License, I immediately uploaded the requested documents. On XX/XX/XXXX, I received another email requesting to submit a documentation to verify my address, I immediately submitted a bank statement that shows my address. I never heard back from them and I tried to add money today to my card and I got the same error message, I called the customer service again and was informed that the account is still " Under review ''. My account was charged {$6.00} monthly fee on XX/XX/XXXX. I don't understand why I'm being charged a monthly fee for a frozen account that I don't have access to it's features.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I would like to claim negligence by XXXX. They should protect me as their client ; however, they failed to protect me and fail to investigate the claim. They did not live up the expectation that such big company is expected to give to their client. 
On XX/XX/2021, I was victim of voice phishing. The scammer had spoofed XXXX XXXX  number and I was scammed for {$2000.00}, by XXXX. Right after I realize that was scammed, I called XXXX and was put in hold for more than an hour, so I had no other choice than going to the local XXXX XXXX to explain my situation. They put hold on my account, and I was told to wait that they will investigate my claim. They also told me that I need to go to Wells Fargo bank and to talk to them because the recipient is an account holder at Wells Fargo. I knew this because the person at my local XXXX XXXX  was able to me track the recipient and found a Wells Fargo account as well as the last 4 digits of the account number, also I received multiple emails saying to confirm my account to receive money. We went to Wells Fargo and after checking my info in their databases they concluded the person who scammed me was using my name and email but after checking my socials I did not have any accounts with them, they gave us a phone number to call fraud department. We called and they told us to wait for XXXX XXXX, that they will communicate with each other to investigate the case. I told Wells Fargo that I am certain that the money was transferred to Wells Fargo bank account, because they used my email to open a new account at Wells Fargo. They fraudulently opened an account at Wells Fargo to steal money from me. Thus, Wells Fargo Bank also must be responsible for this claim. 

The next following morning not even after a full 24 hours in the morning, I had received a statement from XXXX through my XXXX mobile app stating that under my authorization and agreement that they will not be taking any action and the inquiry was now closed. This especially confused me since I have never discussed not taking any action and have agreed to close the inquiry. I was assured over the phone by XXXX XXXX  that they would work hand in hand with Wells Fargo and update me on any finds regarding my claim, but I received no updates, no resolutions, just a statement stating that the inquiry was now closed, and they will not be taking any action. I even called after receiving the statement and was put on hold for more than 2 hours and called back the following day, and the lady I was speaking with could not explain in her own words what the resolution was and why my inquiry had been cut short without any investigation. Just repeating the same thing over and over again and I was not satisfied with the answers. It seemed to me that they just wanted to cancel my claim without any right of fair investigation. 

XXXX CLAIM # XXXX
Product: Debt collection

During XXXX of XXXX alliance one incorrectly started to garnish my paychecks for the maximum amount witch created a terrible hardship for my family. I finally got them to realize they had the wrong person and the funds were subsuquently refunded. On XX/XX/XXXX the garnishment process started again and I received an email from adp stating that I was being garnished by Alliance one for {$510.00} and the remainder was {$1700.00} after multiple garnishments the last one came in XX/XX/XXXX stating that I owe a balance of XXXX. I followed up with alliance one a few months later around XX/XX/XXXX and they stated that they never received money and that they could not find a debt for me. After finally finding me I was told that XXXX would release the money to them in XXXX. I called alliance one again in XXXX of XXXX and they stated that they received the money but I still owe and additional {$2400.00} wich was never explained to me at any point in the past. the representative had a very hard time finding out where the garnished total of {$1700.00} went. I called back for clarification and a clearly irritated rep denied to give me any time or an opportunity to take notes on what was being said in regards to the balance. She stated that since i'm considering legal action she can not give me information on my account. I also never received a notice in the mail in regards to any balance owed. After the initial garnishment that did not belong to me, and after the representative not allowing me to get full clarification on this large debt! I am very concerned about the collections practices of alliance one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting in error : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/2021
Product: Mortgage

I have an open complaint against Nationstar Mortgage. My CN is XXXX. I would like to file an additional complaint against Nationstar for violating my privacy rights, subjecting me to potential identity theft, harassment and fraud. Per Nationstar I am in default on my mortgage. I have disputed this situation with them, and they are reviewing my concerns and have directed me to contact one of their " dedicated loan '' specialist for assistance and or if I have questions. I have contacted this person, a XXXX XXXX on several occasions, faxed him information, called him and requested return calls, and sent a payment to him via XXXX Mail with a statement disputing their, all to no avail. Each time I call he never answers my calls, and never calls back requested. However, they Nationstar sent someone to my home, Saturday, XXXX XXXX to talk to me and leave a note on my door and tell me they wanted me to call Nationstar? I called them Monday, XXXX XXXX and told them I would send them I would send them my " arrears '' Wednesday, and they said they would note my account to that effect. Later the same day, I received a letter from a person in New Mexico with the check I sent Nationstar ealier this month informing me that he did n't understand why Nationstar had sent him my mortgage check? In addition to his letter I also recieved a mortgage statement from Nationstar that listed my arrears, plus it also reflected that my payment for the month of XXXX was outstanding, so I was being charged a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX XXXX am making this complaint due to my rights are being violated. I sent in a dispute to XXXX XXXX and TRANSUNION because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs to me!
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

several years ago I was victim in a car accident in which i had XXXX. However, the Lawyers that I had working on my case had conducted a sham job, from one day to the next the medical bills were not paid and and bill increased i had went to therapy and was getting charged for thing that were not performed, per the the Law firm and the attorney on the case stated they were paid. Once I revealed what they were doing on my case, the lawyer secretly summons a petition to have them removed from the case these bills were intended to be paid as the lawyers stated they were
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX-XXXXXXXXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has preyed upon me as a XXXX adult and continues to repossess my vehicle without first giving me the option to voluntarily meet in an agreed upon location as is required by Florida law. XXXX XXXX has charged me alleging that I must pay $ XXXX in order to now recover my vehicle. I only have XXXX payments remaining on the loan at $ XXXX. There is no way I owe this amount on an {$8000.00} vehicle when I was unlawfully required to put down {$4500.00} as a downpayment. This is the XXXX time this year XXXX XXXX has extorted me without showing me proof of what is owed on the car loan. XXXX XXXX has not provided me a ledger or an adequate contract that notes the amount I allegedly owe. XXXX XXXX does not have a valid security agreement nor a XXXX financing statement that would allow for them to hire a XXXX party debt collector to steal and confiscate my car and narcotics within the vehicle. I am being targeted and coerced into being defrauded. XXXX XXXX shall not be allowed to oppress me while simultaneously and directly effecting my daily activities and my health as a whole. I am demanding proof and the immediate cessation of collection activities. Furthermore, XXXX XXXX continues to tarnish my reputation and cause me to be subject to prejudicial treatment as they continue to unlawfully report alleged late payments on my credit report when XXXX XXXX knows it does not have my consent not the authority to report such activity by law under the FCRA 15 USC 1681a ( d ) ( 1 ) ( A ). Remove the late payments and return my vehicle or I will be forced to take legal action.
Product: Mortgage

Complaint is regarding US Bank Mortgage. My payment for XX/XX/XXXX was due on XX/XX/XXXX but we were in the process of selling our home and were supposed to close mid-month XX/XX/XXXX. There was a delay and we closed on XX/XX/XXXX and the loan was funded on XX/XX/XXXX. The wire transfer was sent on XX/XX/XXXX but was not processed by US Bank until XX/XX/XXXX therefore they reported a 30 day late. This is inaccurate as the payment was received ON the 30th day. I contacted the company and all parties I have spoken to agree that the late was reported inaccurately with the exception of the last person, XXXX. She was quite rude and stated the account was late and it is not going to be changed. I have an email from the title company showing the wire transfer information dated XX/XX/XXXX if needed.