23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a letter from Credit management a debt collector trying to collect a debt that I don't recognize so I am disputing this debt as it is not my debt.
Product: Credit reporting or other personal consumer reports

I sold my home on XXXX XXXX XXXX fl XXXX on XX/XX/XXXX. When applying for a new mortgage ( XXXX mil home ) on a different state on XX/XX/XXXX i was told my credit report was still showing the mortgage from previos sale. 

Contacted movement mortgage to look into this and they did not do anything. I later on apply for a new vehicle because the one we need now needs to be able to drive in snow. This was mid XX/XX/XXXX and the mortgage was still showing on my credit report. Not only i did not qualify to buy the home with me on the mortgage ( only my wife is on the loan ) the interest rates were high because i couldnt qualify for a conventional loan. I asked for proof of what was submitted to creditbureaus and they stated they dont provide client facing documentation of this. And after this interaction i have been ghosted by the company. It looks like this has been done by them before. I would be surprised if they pulled this on millions of americans in order to increase interest rates???
Product: Checking or savings account

I was going to invest some money for my mother in a high yield savings account. I share an account with my mom to help with her finances and I have full ownership of the account. I wrote a check to myself to my XXXX account with one of my moms checks and signed her name on it. XXXX has stolen the money under a " Fraud '' pretense and refuses to send the money back to the account it came from and has kept the money for itself.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the account under XXXX XXXX XXXX that has been reported on my credit file. This account is for a debt originally owed to XXXX XXXX XXXX XXXX, and the account in question was never consented to by me for collection by XXXX XXXX XXXX. I request that this account be deleted from my credit report due to the following violations of consumer protection laws. 

Account Details : Creditor Name : XXXX XXXX XXXX ( Collection Agency ) Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( last XXXX digits ) Balance : {$680.00} Date Opened : XX/XX/year> Status : Collection Account Account Status : Disputed by consumer Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( Harassment or Abuse ) and Section XXXX ( Validation of Debts ) : XXXX XXXX XXXX has failed to provide proper debt validation upon my request. Under FDCPA Section 809, they must verify that they have the legal right to collect this debt. I have never received any documentation or proof that XXXX XXXX XXXX is authorized to collect on behalf of XXXX XXXX, nor have they provided any information to support their claim. The lack of consent or any written authorization for this debt to be placed with XXXX XXXX XXXX is a violation of consumer rights. 
Fair Credit Reporting Act ( FCRA ) Section XXXX ( Request for Information ) : Under FCRA XXXX XXXX, I am entitled to request and receive proof that a debt is legitimate and properly assigned to the collection agency. XXXX XXXX XXXX has failed to provide such proof, despite my request. Additionally, FCRA Section XXXX mandates that any creditor or collection agency that reports information to a credit reporting agency must ensure the accuracy of the information reported. Without proper documentation or proof, the information reported by XXXX XXXX XXXX is inaccurate and should be deleted from my credit report. 
Fair Credit Reporting Act ( FCRA ) Section XXXX ( Time Limits on Reporting ) : This account was reported as a collection from XXXX XXXX XXXX without my consent or knowledge, and FCRA XXXX XXXX restricts how long negative information can remain on your credit report. Inaccurate or unverifiable information, such as this collection account, is not allowed to remain on your credit file under the FCRA. 
Unauthorized Collection Actions Violations of Consent : XXXX XXXX XXXX has placed this account in collections without my consent, and they failed to provide any written agreement or contract authorizing them to collect on my behalf. Under FDCPA and FCRA guidelines, no collection agency is permitted to report or collect debt without explicit consent from the consumer and proper validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit report with XXXX and they updated the information as verified without explaining how and what information was just for the accounts to be verified, when the accounts are not really verified. 

RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 

I have never had any accounts with the company that the accounts is with on my credit report.
Product: Debt collection

This card was open several years ago without my permission. unfortunately, my information was used without my consent. Please look into this matter and resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX offered a personal and unsecured loan for {$11000.00} in XX/XX/XXXX. Mid XXXX I had problems paying off and XXXX eventually sold the debt to XXXX XXXX XXXX which unknowingly sued me and won a judgement in their favor. 

Ultimately, they turned collection over to XXXX XXXX which I paid in full {$16000.00} dd XX/XX/XXXX. 

Judgment has been released by the XXXX XXXX dd XX/XX/XXXX ( copy attached ). 

I have several times tried to dispute the open balance XXXX still reports as late as XX/XX/XXXX in the amount of {$7800.00} to Experian credit bureau with Experian but XXXX rejected my dispute and false. 

I have also asked XXXX via certified mail to correct this error by XX/XX/XXXX but they have not replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XXXX XXXX XXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section 807 of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the TERA program.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and noticed the following errors. 
XXXX ) XXXX, XXXX, and XXXX Acct # XXXX Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This looks like someones medical collection as well, which is a HIPAA violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. Please DELETE this collection as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following accounts that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification onXX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to Equifax with same old script, " your account has been verified via XXXX ''. No record of any inquiry from Equifax or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.
Product: Mortgage

Mortgage Escrow department refuses to apply reductions in projected property tax obligations. They are basing escrow on tax status of previous owner. They are knowingly retaining excessive portion of my mortgage payment without interest. 
I have attempted since XX/XX/XXXX to get their Tax department to correct their errors without success. Copies of all changes affecting the reduction of my property taxes was forwarded to the Escrow department and it is recorded with XXXX XXXX XXXX department that on XX/XX/XXXX they accessed and verified the changes. 

Assessed value of the property was reduced from {$540000.00} in XXXX to {$390000.00} in XXXX. The reduction in assessed value lowered property from {$4700.00} in XXXX to {$3400.00} in XXXX. 

Ownership of the property changed in XX/XX/XXXX. I am a XXXX XXXX XXXXXXXX Veteran. The approved annual deduction is {$1500.00}. {$750.00} reduction in tax obligation applied to XX/XX/XXXX payment and {$750.00} applied to XX/XX/XXXX. 

The result of the two reductions has lowered property tax from {$4700.00} in XXXX to {$1900.00} in XXXX. A major reduction!!!! The escrow payment for taxes is reduced from $ XXXX in XXXX to {$150.00} in XXXX. A $ XXXX mo reduction in escrow withholding. The Escrow department added a {$50.00}. / mo deficiency withholding, giving a total excess of {$280.00} being withheld each month for 12 months. 

The correct calculation of Escrow payment ; Taxes $ XXXX = {$150.00} Insurance $ XXXX = {$100.00} Escrow Payment {$250.00} The {$280.00} / mo withheld by the mortgage without interest should be applied to my principal, reducing my interest charges and elimination of my debt. The knowingly misappropriating my funds should be considered a criminal act. It is on record that the Tax department was made aware of these reductions on XXXX XXXX but disregard the reductions for their financial gain. 

The Escrow withholding is a projected figure based on property owners expected expenses and reductions, not an exact figure based on past ownership and tax status.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX , and a copy of the 1099-C form. Navy Federal Credit Union, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. As of XX/XX/XXXX, Navy Federal Credit Union has been in response to this complaint as of XX/XX/XXXX. The time to conduct a reasonable reinvestigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of XXXX XXXX XXXX and Navy Federal Credit Union. Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

This morning, I noticed incorrect accounts appearing on my credit report, and I have no clue how they got there. I regularly check my credit report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a technical issue, but the errors remained. Given this problem, I request a thorough review of the documents I have provided so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a 60 day late on XXXX. 
No 30 day at all. XXXX  and XXXX  are reporting differently. 
This is in violation to report false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter  XXXX , in   XX/XX/XXXX , w as having my payments auto deducted from my payroll due to lawyer mishap my case was dismissed and refiled i n  XX/XX/XXXX  an d once again due to lawyer issues my case was refiled in   XX/XX/XXXX . I have  asked the  3rd party carrier to v erify info and update due to I should not sho w 4 bk 's. I sh ould show accurately  of 2 BK 's the case for  XX/XX/XXXX  and  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information shown says one name and my name is different from that. Me and my dad have the same name but I 'm the XXXX and that 's not what is shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has applied a forbearance to my account without authorization. I did not apply for this program. I hAve paid my mortgage ON TIME EVERY MONTH. I asked them to remove and update my credit It has not been done My credit does not accurately reflect my payment history. It also reflects inaccurately that defer payments starts in XXXX when again I DID NOT MAKE SUCH REQUEST. 

Ive called and emailed continuously regarding this matter for almost an entire month Ive disputed this matter with the credit bureau to no avail. 

It is these tactics that I find to be discriminatory in nature. These tactics of erroneously applying hindrances to customers who desire to take there business to other companies.. Forcing customers to fight and waste time and money to go through XXXX of removing erroneously applied programs when they have paid their mortgage on time is illegal. Incorrectly reporting information to hinder customers from moving forward with mortgage transactions is illegal. It is these invisible barriers that causes delays in process and hinders minorities from moving forward on the back end. My account needs to reflect accurately on an ongoing basis.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wells Fargo is committing fraud against me. I currently have a CFPB complaint against Wells Fargo XXXX ID # XXXX ), in which I reported violations they have made against me. However, since this complaint initiated, Wells Fargo has proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof of such claim is attached to this new complaint, and you can also verify this by comparing all the information provided in the still pending complaint I have against Wells Fargo. This is completely unlawful and abusive. Wells Fargo is breaking the law pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I demand and direct Wells Fargo to close all credit card accounts they have opened with my name to be closed immediately. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). Therefore, I now further demand Wells Fargo to stop their fraudulent acts and to compensate me for all individual actions and trespassing against me.
Product: Credit card or prepaid card

My USAA member number is XXXX According to eRegulations 12 CFR Part 1026 ( Regulation Z ) titled : FINALITY OF ERROR RESOLUTION PROCEDURE, A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. USAA has violated this law in response to a previous complaint on XXXX/XXXX/2017 from USAA, they state " You explain that a year later after issuing permanent credits, USAA reversed the action and is holding you liable for purchases you state you did not authorize. '' This reversal takes place way beyond the time allowed by eRegulations 12 CFR Part 1026. According to this regulation even if the creditor obtains evidence after the error resolution timeline has passed the creditor ( USAA ) is  prohibited from reversing any amount previously credited. In addition, I received notices from USAA stating the investigation was complete and all credits were final. I only learned these had been reversed after calling in as they are only listed as " transfer adjustments '' online. Shortly after inquiring, USAA removed my online access to all of my accounts and in discrimination and retaliation to exercising my rights closed this and all of my other accounts as well without any warning or detailed explanation. Even worse, I have yet to receive an account statement for the above mentioned account or any of the supporting or related documentation despite repeated requests. Making matters even more difficult it took over a month to finally receive a follow up phone call with the agent XXXX from the CEO 's office who everyone said I needed to speak with. Upon finally speaking with her, she had no actual knowledge of my account or any of the federal regulations stating USAA did not need a reason to close my account, reverse the credits despite the timeline set forth nor did they have to offer any explanation for any of their actions due to regulation Z. When I inquired about regulation Z she could n't tell me anything about it. She even stated it was found in the card member agreement, but she could n't tell me where because she did n't have it in front of her.
Product: Vehicle loan or lease

The company basically ignored my questions and advised me that if I no longer wanted to pay for the car they would come repossess it when I have paid on this car for over 4 years.
Product: Money transfer, virtual currency, or money service

The company is called : Plaid. They do money transfers and payments like XXXX, I think. What I do know is, Plaid is only one security breach away from being utterly destroyed and will take out the financial lives of all their customers. They are incredibly irresponsible, and I wonder how Plaid hasn't been shut down. As a customer you have no recourse if something goes wrong. The TOS of their online banking says that if you disclose your username and password to any third party then you have no liability and yet they are asking for customers ' banking username and password in order to have an account! 

This company breaks 2 fundamental internet security rules : 1 ) never give credentials to a third party. The standard is to redirect the user to a login page on the website of the service providing the login, but Plaid doesn't do this, instead they provide the login form on their own website. Even worse Plaid allows services to embed the form in their website ( as a frame ), and it is impossible for casual users of the internet to tell the difference. This is an unsecure form, so is encouraging bad security practices. 2 ) even worse, Plaid provides a login page that looks very official showing the bank logo and using the bank 's color scheme.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.