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

Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( Transunion XXXX XXXX and XXXX XXXX. 

On XXXX XXXX, XXXX I called Transunion to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called Transunion back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. Transunion said that this could be due to human error. Transunion stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
Product: Mortgage

This company purchase my loan from XXXX and then sold my loan to XXXX XXXX  and are claiming they dont have access to my insurance check that XXXX transferred to them on XX/XX/2022. I will post documents with proof of XXXX stating they transferred proceeds. My property is having more damage as a result of this negligence and robbery from these companies negligence towards me as a consumer. I feel these companies are breaking laws by giving my information away without consent from me.
Product: Student loan

It 's hard to believe the some other debt services that do n't have a better system while some of us are paying who are paying our bills with our continued original debt collection services are getting calls like these when they do n't know we have already chose them to make our payments.
Product: Debt collection

XX/XX/XXXX I was a passenger riding with an associate and a lady hit us in the back, by the time we arrived in Tennessee which is where we were headed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I went to the XXXX XXXX ( XXXX ) to get checked I did mention I was a victim but that I also had insurance because I was XXXX. Fast forward to a collection agency calling me in XXXX over a {$1000.00} bill so I am on XXXX so I start paying {$10.00} a month but Ive asked why my visit wasnt covered. A few days ago a collection agent told me that my XXXX bill was paid by charity so I still have yet to receive a debt validation letter or a letter for me to dispute this because its wrong
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to to properly investigate my disputes regarding inaccuracies in my credit report.. despite my submissions Equifax response within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.. Furthermore Equifaxs actions may also contravene Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025- CFPB-0002 ) against them for similar violations.. I requested the CFPB to ensure Equifax complies with federal law and provide consumer with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history.Update the account/s below : XXXX XXXX
Product: Debt collection

I paid this guy from XXXX XXXX  To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my Experian credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XXXX XX/XX/XXXX XXXX : Bank XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Category : XXXX XXXX, Used XXXX. XXXX  XX/XX/XXXX Category : XXXX Banks XXXX. XXXX XXXX XX/XX/XXXX XXXX : Bank XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Category : Miscellaneous Finance Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm.

Applicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Product: Student loan

My daughter has informed me that she has contacted this company informing them that I did not sign for this loan and knew nothing of it, which I informed them of a few years ago when I saw this XXXX debt listed XXXX times on my credit report. This company keeps holding me liable for a loan I knew nothing about. Also, they have the same loan listed on my credit reports 3 times. I was astounded to see they have had this on my credit reports since 2007. I want this deleted. This has been stressful and playing a major impact on my health. If they do not delete and hold the liable party, I have to seek an attorney, I can not keep going through this. 
Account : XXXX Key Bank XXXX Key Bank XXXX Key Bank XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

I fell behind on my mortgage about 6 months ago due to separating from my wife and then my mother passing, two of the roughest moments in my life. I tried to reach out to Carrington to make up my payments but they wanted everything in full, which being on a fixed income of SSI, I could not realistically do. Then the other day I received a Notice of Trustee sale for a sale date of XX/XX/2018,  not even 10 days notice to prepare for other options or try to seek for help. I am aware that the Notice of Trustee sale should be notified within 22 days of the sale date which it was not. I am familiar with the HBOR laws and I was never provided with a point of contact throughout this foreclosure process, Carrington never offered or told me to submit documents to be reviewed for any type of assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting and XXXX Account # XXXX violated my rights. 

15 USC1681 SECTION602 STATES I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2.It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, Account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : # XXXX ( Auto loan ) ( Personal ) and any other associated account.

Dear Sir/Madam, I, XXXX XXXX XXXX hereby declare my refusal to pay, exercising my right under US law , specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXXXXXX XXXX XXXX XXXXXXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers # XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX XXXX XXXX XXXXXXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX MO XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my TransUnion credit report, states i have XXXX accounts, closed paid.in good standard.states as excellent. I have XXXX late payment. On payment history should be stated excellent. There is only a percent sign. That needs to be fixed.there is also XXXX hard inquires, that i have discussed with transunion 3 times already. The hard inquires i had discussed with them where companies that ran my credit with out my knowledge or consent. TransUnion took that matter moot serious. To me its very serious with XXXX hard inquires that need to be disputed, effecting my credit score for no reason.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, regarding XXXX lawsuits. While using Zelle on numerous occasions and reporting issues my financial institution and Zelle has failed to handle my claims adequately. They informed me that recovering lost funds was not an option and that tracking the transactions would be impossible. CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to exploit the system repeatedly, leaving user vulnerable to the scams, The lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Credit card

I got a prescreen offer for Chase 's XXXX XXXX XXXX card for XXXX bonus miles with an application link. I applied through the link and after being approved found out that they had pushed me into a different card offer XXXX XXXX with only XXXX bonus miles, different fee structure, etc ). I emailed customer service, explaining that I had applied under the link for the offer they sent me, and requested that they give me what I had been offered initially. They said they would n't honor it ; that I had now been given the XXXX offer and only new XXXX XXXX XXXX cardmembers can get the XXXX offer. I explained that I HAD applied for the XXXX offer and only got the XXXX offer, and that I had been deceived or tricked. I asked for information on how to close the account, reverse the effect on my credit, since I was duped. They they only responded by telling me I could n't have the offer the sent to me in the mail.
Product: Credit card

So Im still dealing with a dispute from XXXX and XXXX. I called and told the rep I noticed a lot of charges that I didnt make and I realized someone has been using my physical card for purchases. I have been using my XXXX XXXX  as well because I couldnt find the physical card but I didnt think anyone stole it and was using it until I check my statements. The rep said he put a bunch of the transactions on a claim case. Months later I get a response saying dispute closed against me. I call and ask if I can still provide the required info because I missed the date. They allow it. I just recently sent them through physical mail, a copy of a report I made on XXXX XXXX  which they told me to make. Even after doing so and sending the info I get a message saying they resolved against me but no reason as to why. Especially when I know for a fact some posted transactions were made in locations I have never been to not used my card in. Now Im stuck. Im starting to think I should close my account. Not only that but when I check dispute status it shows the dispute is still being researched.
Product: Credit card or prepaid card

On XX/XX/2021 I ordered a TV online from XXXX. My US Bank XXXX XXXX credit card was immediately charged the full amount of {$1600.00} however I never received an order confirmation e-mail and after my purchase the TV was marked as out of stock. On XX/XX/XXXX and XX/XX/XXXX I called the phone number listed on XXXX website to inquire about my order. They use a call center and the call center employee could not tell me anything other than they would forward my request to the merchant. On XX/XX/XXXX I called a final time to tell them to cancel my order and refund me since I never received any communication from the merchant regarding my order. I told the call center that if the merchant did not call me back or refund me I would issue a chargeback which I did on XX/XX/XXXX. No communication was ever received from the merchant and I never received the TV. However, US Bank denied my dispute ( Case Number : XXXX ) because I did not show proof that I never received the TV and because I did not request a refund in writing, despite the fact that the merchant submitted an invoice as part of their reply to my dispute that shows the order was canceled on XX/XX/XXXX. I've spoken to multiple representatives at XXXX XXXX and they keep telling me to submit evidence that I don't have the TV despite me submitting the same evidence that the merchant submitted showing the TV order was canceled. The merchant XXXX has both the TV and my money, I do not want the TV anymore as I do not want to do business with this company, I just want my money back.
Product: Student loan

I tried to lower my monthly payments based on my salary and working for a XXXX. Navinet would only give me a forbearance and added on more interest. Unwilling to work with me.
Product: Mortgage

Previously I filed a complaint through the offices of Senator XXXX XXXX, Senator XXXX XXXX and Congressman XXXX XXXX about the Wells Fargo Bank withholding {$5200.00} as a servicing set-aside from a reverse mortgage that my wife and I entered into with them in XXXX. It is my understanding from your documentation that Servicing Set-aside 's are intended to pay for any needed repairs to the home, taxes and /or insurance that I do not pay myself. Wells Fargo has never brought to my attention any repairs that my home required, nor has it paid for any repairs, taxes or insurance, thus I believe that amount is subject to be returned to me at this time, as I have fully repaid the full amount borrowed, plus interest and fee 's. 
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX, XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo, I HAVE NOT, and it is now XXXX XXXX, XXXX. I am further concerned that you allow Wells Fargo to just provide a " Stock Answer '' to complaints " we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review, never do the give the details of what they found that allows them to disregard your issues with them, never do the even address the issues that were presented to them. They simply say that the complaintant is wrong, and you accept that as accurate. I must ask, do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo, I wish you to tell me just who you will foist my complaint against you off on?
Product: Credit card or prepaid card

This is a closed account showing 30 days past due and a worst rating listed as 30 days. This is inaccurate reporting on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and Experion/  XXXX   was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management regarding their willful non-compliance with debt validation requests for XXXX accounts on my consumer report. I wish to bring to your attention the violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g Sec. 809 ( b ), which outlines my right to dispute a debt and request validation of the information held by debt collectors.

Please understand that my request for validation is not a refusal to pay or an attempt to evade the debt, but rather an assertion of my rights under the FDCPA. Despite multiple requests, Midland Credit Management has failed to provide the necessary documentation to validate the debt in question.

In accordance with Generally Accepted Accounting Principles ( GAAP ), International Financial Reporting Standards ( IFRS ) as per XXXX XXXX XXXX, and XXXX XXXX on XXXX XXXX XXXX ( XXXX ) conventions, I am respectfully requesting a complete audit trail of the aforementioned accounts, including a Tax Registration Certificate. Additionally, I am requesting a TRUE CERTIFIED COPY of the original note or promissory note contract binding both parties, as follows : Preliminary making and construction of the clear and Substantive Offer made by XXXX party and demonstrate the Mutual Acceptance affirmed by the other party. 
The agreement bearing my signature stating that I have agreed to assume the debt.

Valid true copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations for collecting this debt has not expired.

A comprehensive history of the payments made on this account, if any were made.

An explanation in detail as to how Midland Credit Management calculated the amount being requested.

Any court judgment against me regarding this debt.

Confirmation of Midland Credit Management 's license to collect in Pennsylvania.

License numbers and Registered Agent or Agent of Service. 
Validation, in the form of competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. 
Despite repeated requests, Midland Credit Management has failed to provide any of the requested documentation. Instead, I am now receiving notices from solicitors stating that I am being sued in court for these accounts, further exacerbating the situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Midland Credit Management for their blatant disregard of my rights under the FDCPA. I believe their actions constitute serious violations of consumer protection laws, and I seek your intervention in resolving this matter promptly and justly. 

Thank you for your attention to this important issue
Product: Bank account or service

pull up XXXX or XXXX on my online statement, its gone ( ironically ). THis is NOT the first time they did it, they have allowed XXXX XXXX to take money from me XXXX three times and said well if you authorized it once who is to say you didnt allow them to take it again ( which I didnt, I cancelled the account ) and they also did this with an depposit back in 2014, we made a deposit back in 2014 and the amount total we put down for the deposit they said was wrong, we kept doing the math and it was correct but they kept saying no your XXXX dollars over, well 2 years later, they send us a letter saying 'we made a mistake in a deposit you made in 2014, the original deposit amount was correct so we are sending you a check for the amount that was taken out ) now the account would NOT have been closed but THEY closed it after I kept calling about the charges to XXXX XXXX and I would NOT stop trying to get the money back they allowed a company to take without permission so they closed the account said thats done ...