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

I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT XXXX XXXX SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. EQUIFAX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. 
AND I REQUESTED PROOF FROM XXXX XXXXED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. EQUIFAX OR XXXX XXXX DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. 
I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY 3 CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

I have been trying to get pre approved for a mortgage since the beginning of XX/XX/year>. 2 of my 3 reports were fine but my experian report was abnormally low. Come to find out, my account was accidentally merged with a person with a similar name and social security number who had defaulted loans. They have since made me a separate account but now it does not appear when lenders try to pull my credit. Every time I call I struggle to reach a real person and im told 5-7 business days or 3-5 business days. And I'm missing out on potential homes while this gets " resolved '' I would understand if I was the one who had the defaulted accounts but my credit is great and this should not be holding me back
Product: Debt collection

A debt collector contacted a relative of mine. They left a voicemail calling for me stating that they were a debt collector and this was an attempt to collect a debt. The number they called in registered in someone else 's name and obviously not my number. They disclosed information to an unauthorized third party.
Product: Vehicle loan or lease

Ally Financial agreed multiple times to remove a late payment from being reported to the credit bureaus after the loan was paid in full and completely closed. The dealership did not report the numerous problems with the vehicle before purchasing and a I was stuck with multiple thousand dollar repairs. They have agreed multiple times to delete the late payment.
Product: Debt collection

XXXX XXXX XXXX lease XXXX XXXX XXXX XXXX XXXX SC XXXX 

Lease financed thru XXXX XXXX XXXX XXXX/Chase Auto . 
The vehicle was registered in SC the entirety of the lease XXXX. 
The vehicle taxes were paid to SC the entirety of the lease XXXX. 

10-months after the vehicle was turned in I received a bill from Chase Auto in the amount of {$860.00} for taxes owed in TX.

Again, the vehicle was registered, garaged and taxed in SC the entirety of the lease.

I have called 3-times. I have sent a certified letter. I have spoken with 3 Chase representatives today. And I finally paid the bill in protest today, fearing Chase would ruin my credit over their blunder! 

I am providing all vehicle registrations. 
I am providing all SC tax receipts. 
I have names of Chase reps with whom I engaged.
Product: Credit card

I opened store credit card with XXXXXXXX XXXX XXXXXXXX ( COMENITY Bank ). It had promotional plan with them. The balance on the card was {$83.00} at the time the promotion ended ( XX/XX/2024 ) and I was charged {$510.00} interest. I didn't realize the promotion ended until 20 days after ( when I received my statement in the mail on XX/XX/2024 ). I reached out to them right away ( less than 28 days, on XX/XX/2024 ) once found out that the promotion plan had come to term. When I called the bank 's customer service, they refused to work with me. The customer care representation transferred me to a supervisor, who said they can not help me, and she stated they only give 3 days grace period to pay off a balance after the promotional plan ended ( which was not communicated with me prior to our phone conversation ). I offered to pay-off my balance immediately, they refused. I believe the amount of interest that was charged is way too much for a balance of {$83.00} on the account.
Product: Mortgage

On XX/XX/2021, I was informed by Rocket Mortgage that I needed to execute a Partial Claims Mortgage with HUD in the amount of {$26000.00} in order to proceed with the sale of my home, which transaction was scheduled to sold on XX/XX/2021. I executed the Partial Claims Mortgage, as requested, in order to satisfy the monies owed due to deferred payments due to XXXX. I was my understanding that this amount would be paid off at closing with the sales funds. It was NEVER disclosed to me by Rocket Mortgage that this was a three-party debt and that Rocket Mortgage would be paid the funds, pay off FHA, but then would create a separate debt with HUD that would not be paid a closing. One year later, I received letters from HUD which I honestly thought were fraudulent because I had no idea about the outstanding debt and the correspondence was asking me to sign agreements and submit financial information. 

Once I was able to speak to HUD, the title company, Rocket Mortgage and review the documents, I was finally able to understand what happened. However, now I have collection actions against me and negative reporting on my credit and am unable to enter into a repayment plan. 

I feel that Rocket Mortgage was negligent in their duty to me as a consumer and misrepresented the transaction that I was entering into. As a matter of fact, during a conversation with one of the representatives at Rocket Mortgage, he even admitted that is it not explained clearly to the consumer. I feel that Rocket Mortgage acted in bad faith and was only concerned with receiving their money and not at all concerned with ensuring that their customer is fully educated.
Product: Vehicle loan or lease

I purchased my XXXX Kia XXXX outright at the end of the lease in XX/XX/XXXX and since it was titled in KIA Motors name they cancelled the registration and I was charged for new registration as proof in car purchase terms. I received a bill from Kia in XX/XX/XXXX for taxes for XXXX  year and I paid with check XXXX XX/XX/XXXXXXXX  for {$630.00} ( proof of check and cashed by KM ) then I received a tax bill from XXXX XXXX indicating I owed taxes for XXXX and if not paid then registration would be canceled. I paid again to them directly with check XXXX. I was told Kia never paid taxes but due to vehicle being in their name I couldnt check. I have tried numerous times with Kia to resolve without anything. They keep telling me different ways to resolve - last time was proof I turned in plates but I kept the plates as was given option and still on vehicle - registration is in my names I have submitted proof of all cancelled checks and correspondence and letters which they have failed to refund for paying taxes twice for same year and same vehicle.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in Equifax Monitoring Services in which I was able to get daily updates on my credit report and score. As of XX/XX/XXXX this was no longer an option. Each time I attempted to generate a new report with score the system indicated my order failed. I have spoken with several representatives and the issue has yet to be resolved. Most recently, there is currently a delay with Equifax reporting updates to my account. I have a new credit card that was reported to all 3 credit bureaus and Equifax has failed to update the account. I am also having trouble accessing my Equifax report through other monitoring sites. I am being told that there is an error with my authentication information. I have provided Equifax with my legal name, date of birth, social security number and address. This has been provided via fax as ofXX/XX/XXXX and again verbally on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late payment that showed on my credit report that occurred in XXXX in 2018. My dispute was based on the fact that I made a payment by phone in XXXX of 2018, during this call I scheduled 2 minimum balance payment to occurr in XXXX and XXXX. The customer service rep instead applied all payment to XXXX ( XXXX was over paid ) and XXXX and XXXX was not paid at all.
Product: Mortgage

This relates to Wells Fargo Mortgage Account number XXXX On XX/XX/XXXX I wired transferred more than {$340000.00} to an account at Wells Fargo to pay off my mortgage. The person who sent the wire transfer mixed up and put the account number where the loan number was on the form. Apparently, at Wells Fargo, they had another customer with the exact same account number as my mortgage loan number so my money went into their account. 

I never got a notice from Wells Fargo until XXXX saying my loan was not paid off. At that point I had XXXX XXXX XXXX try to recapture the funds. It took until XX/XX/XXXX for me to get my funds back. 

Now Wells Fargo is saying I owe them {$4000.00} for the interest on the loan from XXXX to XXXX ... ..even though they acknowledge that they had my money at their bank for all that time. I think it is outrageous that the wire transfer was not kicked back on the day of the transfer due to the fact that Wells Fargo has the exact same checking account number as my mortgage account number. 

I have had numerous calls with Wells Fargo over this and they refuse to budge. I am hoping that this agency will help me to remove this ridiculous penalty they are demanding I pay.
Product: Debt collection

Re : Inaccurate Information and Investigation Failures Dear Sir/Madam, I am writing to formally address the inaccuracies and failures in the dispute/investigation of the following accounts on my credit report, as maintained by Experian : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX I have reviewed my credit report and identified several instances where the information provided is not accurate. It is my understanding that Experian, as a credit reporting agency, is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that the information reported is both complete and accurate. However, my dispute has not been properly investigated, and critical issues remain unresolved. Specifically, I am raising the following legal violations : 1. Failure to Conduct a Proper Investigation ( FCRA Section 611 ( a ) ) Under the FCRA, Experian is required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. In the case of these accounts, I did not see any investigative details nor was I provided with clear documentation outlining the steps that Experian took to verify the accuracy of the information. This lack of transparency is a direct violation of the requirement for a complete and thorough investigation.

2. Failure to Ensure Maximum Possible Accuracy ( FCRA Section 607 ( b ) ) Experian has an obligation to report accurate and complete information. In the cases of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Funding, and National Credit Adjusters, the information reported is either incomplete, outdated, or inaccurate. These inaccuracies violate the FCRAs mandate for maximum accuracy, and they have caused unnecessary harm to my credit profile.

3. Failure to Include Relevant Investigative Details ( FCRA Section 609 ( a ) ( 1 ) ) As part of the credit report dispute process, I am entitled to receive a complete summary of the investigation that includes all details, evidence, and any supporting documentation obtained during the investigation of disputed accounts. 

Experian has failed to provide this information, leaving me in the dark regarding the specifics of how the dispute was handled. This lack of documentation and failure to provide a complete investigation process violates my rights under the FCRA. 
Given these violations, I request that you take immediate action to correct the following : Remove and delete the above listed accounts Ensure that my credit report is updated with complete and accurate information, as required by law. 

I respectfully ask for the correction of these issues and request confirmation in writing once the accounts have been deleted. If these inaccuracies are not resolved in accordance with FCRA guidelines, I will have no choice but to consider further legal actions and seeking judicial remedies. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I sent a letter to a series of collectors on the XXXX of XXXX. I requested a series of information, including account numbers, proof of original debt owed, etc. Instead I received a paper that has some false information, the original creditors which wasn't a group I know or have ever been to, no account number, and no proof this is actually my debt. Just random papers anyone could have falsified and typed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXXXXXX Account # : XXXX Has continuously violated my rights numerous times. The Fair Credit Reporting Act under U.S.C 15 1681 states the right to privacy U.S.C 16 1681 no consumer reporting agency can furnish any accounts without written instruction. No instruction was given in this matter. However I have requested these accounts be deleted and removed from my report. False information has been updated in an attempt to rectify these accounts and has hurt my financial stability and consumer transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear EQUIFAX, I am disputing the accuracy and validity of the following account ( s ) on my credit report, and I am exercising my rights under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX  XXXX I request that you immediately conduct a reasonable reinvestigation into this matter, as required by the FCRA. Additionally, under 15 U.S.C. 1681i ( 7 ), I am formally requesting a detailed description of the reinvestigation process you undertake, including : The procedures used to verify the accuracy of the information. The entities contacted during the reinvestigation. The evidence provided to support the continued reporting of this item.

If you are unable to verify this account with documented proof, it must be deleted from my credit report immediately per FCRA guidelines. Please send me an updated copy of my credit report reflecting these changes. Failure to comply with my request may result in formal complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office for violation of my consumer rights. I expect a response within 30 days as required by law. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a balance of {$0.00} from XXXX XXXX XXXX   appeared on my Transunion and XXXX credit report. I am challenging Transunion and XXXX  to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Mortgage

I refinanced my mortgage with a new lender from Wells Fargo on XX/XX/2020 and a payment was sent to Wells Fargo on XX/XX/XXXX and XX/XX/XXXX to pay a mortgage that had been closed! My admin department within the XXXX did not stop the allotments in time and Wells Fargo subsequently got overpaid {$1200.00} times 2! When I discovered the money was not refunded as XXXX said it should have been due to a rejection requirement by Wells Fargo who should have never accepted the payment on a loan that was closed! I requested via Wells Fargo that the money be returned to me as it did not belong to them or XXXX! Wells Fargo remitted the payment to XXXX which never ( after 23 days ) received the payment ( s ). When I asked for my money to be returned to me they declined and stated it had to go back to XXXX and when I told them that since they received the funds instead of declining the transaction that there is no way for them to mail a check to XXXX to return the funds that it had to be EFT! They declined to agree, cancelled the original check dated XX/XX/XXXX and sent another one! I am on the fringe of losing my mind! I deploy in 3 weeks and I am having to use my credit card to buy food for my family so I can pay my mortgage! COVID 19 has already burdened my family and Wells Fargo is compounding the issue!
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

No Debt Validation letter. I had no idea they had a debt owed to them by me. They Haven't even told me what the debt was relating to nor provided any documentation to me. I was never given written notice, so I could formally dispute the debt. Yet they reported it to a credit bureau XXXX XXXX XXXX ).
Product: Debt collection

I believe the account is invalid. SPRING OAKS CAPITAL LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

SPRING OAKS CAPITAL LLC XXXX
Product: Debt collection

On or about XX/XX/2018 a collect was open by a company called Porfolio Recovery Assoiciates gor the amount of {$410.00} that was fraudently opened in my name. I have disputed thus account with the credit bureaus and directly with the company numerous time and the account has not been deleted yet. This account is fraud and should not be on my credit file. This collection is hindering me from buying my 1st house which is a big deal to me and my family. I would like this account deleted asap.
Product: Checking or savings account

MY USAA ACCOUNT WAS CLOSED ON XXXX, XXXX 2020. 

MY FUNDS IN THE ACCOUNT AT THE TIME WERE CLOSE TO {$2000.00} I HAD AN INCOMING DEPOSIT ENTER THAT SAID ''CLOSED '' ACCOUNT ON THE XXXX OF THAT MONTH/END OF XXXX IN THE AMOUNT OF {$3500.00} ... THEY ARE THEY ARE REFUSING TO REISSUE THE FUNDS BACK TO ME VIA CHECK ... 

USAA STATES THAT THIS PROCESS COULD TAKE SEVERAL MONTHS ... 

PLEASE HELP AS AM DUE BACK A LARGE AMOUNT OF MONEY THAT MY FAMILY AND I DESPERATELY NEED RIGHT NOW AS USAA ENJOYS THESE DIVIDENDS
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to dispute the accuracy of information that is being reported by your company regarding my credit report. Specifically, I am disputing the XXXX XXXX XXXX account that is showing up on my report, which is reporting fraudulently. 
I have previously requested a debt validation from the business, and it was revealed that the account was opened on XX/XX/XXXX, whereas the statement that was sent to me by a XXXX XXXX XXXX representative stated that the loan kicked in on XX/XX/XXXX, and that was when it started reporting. This is a clear contradiction and it is very concerning that XXXX XXXX XXXX is reporting such inaccurate information. 
Furthermore, the statement also stated that a late payment of XXXX was billed weekly, which is fraudulent. Additionally, the address on the paper has XXXX XXXX XXXX, XXXX Florida, while the statement shows my actual address in XXXX. This is a clear indication that this account has been fraudulently reported and it is sad that TransUnion has continued to report it as accurate. 
I would also like to inform you that an identity report has been filed with the FTC, and I will be pursuing legal ways to ensure that this account is removed from my report. It is important to note that the account has been charged off since XX/XX/XXXX but still reports a balance every month, and the business can not even provide that in a statement. 
Therefore, I request that you remove this account from my credit report immediately, and include the violation code that was violated in your response to my dispute. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX * 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable investigation of disputed information on a credit report * 15 U.S.C. 1681i ( a ) ( 2 ) : Failure to review relevant information submitted by the consumer in support of a dispute * 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to correct or delete inaccurate information on a credit report