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

In accordance with the fair credit Reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 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.

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

The auto loan in question is through XXXX XXXX XXXX. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession XXXX continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. XXXX sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. XXXX still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as XXXX asking for the removal of the account because of all of the inaccuracies. I have never received a response from XXXX and the credit bureaus will send a letter or email asking for additional time with no resolution.
Product: Debt collection

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a " Method of Verification '' request regarding the alleged bankruptcy they have on my credit report. 

On XX/XX/XXXX Equifax sent me the results of their supposed verification and claim they verified it as accurate from a third party source of XXXX. 

On XX/XX/XXXX I sent Equifax copies of a letter from XXXX stating the bankruptcy in question was deleted from my report. I also sent a copy of the XXXX consumer report public records section showing NO bankruptcy. I asked Equifax to delete this from my credit report as it was not properly verified as they claimed. 

On XX/XX/XXXX Equifax again sent me another letter stating they again verified this bankruptcy through XXXX. 

On XX/XX/XXXX I sent Equifax another follow up dispute again with the letter and consumer report from XXXX showing NO bankruptcy being reported, again I asked them to follow FCRA laws and DELETE this UN-VERIFIED bankruptcy. 

On XX/XX/XXXX Equifax sent me the same letter stating this bankruptcy was once again verified through XXXX, and also a letter stating they would not re-investigate this dispute.
Product: Mortgage

I have all emails that occurred in XX/XX/2024. Navy Federal Credit Union admits to discriminating against my father and myself both veterans for a joint loan we also lost funds with the current loan and I was almost homeless because I was told I had to sell to use my VA benefit but then we couldnt so now on the refi they are denying again but said it was a misinformation so they will work with us if we basically arent looking for another bank. 

Its awful and I feel like Ive lost everything and on top of it they just want to make things more difficult and cause hardship.
Product: Money transfer, virtual currency, or money service

In essence, a Wells employee stole {$1900.00} from me. Wells Fargo is not trying to return my funds. Wells Fargo collected XXXX property taxes on behalf of XXXX XXXX XXXX XXXX and XXXX through XX/XX/XXXX. In XX/XX/XXXX, I provided a {$6100.00} payment ( part Cashier 's check and part cash ) to Wells Fargo for a XXXX government property tax payment. However, Wells Fargo only sent over {$4200.00} of my payment. The payment was for a family property that was just probated in late XXXX when I was finally able to get XXXX records. That's when I learned my full payment wasn't received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). So, I could not be reimbursed for the full amount of property XXXX XXXX taxes I paid to Wells Fargo for its submission to XXXX XXXX. Only the XXXX 's check portion of my Wells Fargo deposit was forwarded to XXXX XXXX. The entire cash portion conveniently went missing. I went back to Wells Fargo and experienced discriminatory and dismissive behaviors that I reported as inappropriate. After escalating the matter to the branch manager, I was ignored for several weeks. I was eventually to
ld by multiple people that the Wells Fargo branch in question failed to maintain ANY documentation of what funds were collected and sent to XXXX XXXX. Therefore, they could not assist me with determining whether all of my funds were sent to XXXX XXXX, or worse, partially stolen by a bank Wells Fargo bank employee.This is a thief 's dream! No checks or balances- a perfect way to steal cash from undeserving customers!!! I further escalated the matter to Wells Fargo 's executive offices where I was promised a thorough investigation. Approximately one month after the investigation began ( Wells Fargo case number : XXXX ), the investigator named XXXX told me he'd need an additional forty-five days for the investigation. Two weeks later, I replied 45 days is too long of an extension, but I'd agree to 30 days. Literally 32 minutes later, the investigator closed the case saying the bank teller 's drawer reconciled. I feel like this was in retaliation for me not agreeing to yet another extension. I REALLY need my money back. Whether or not a drawer reconciled should not be the answer because it doesn't find or return my money - anyone wanting to steal cash could pocket the cash and reconcile the books. I want my funds returned to me immediately!!! I escalated to XXXX 's manager, XXXX, but I didn't get a return call or email from her. There's more.
Product: Mortgage

Hazard insurance was placed on my account by Newrez. As soon as I realized that I was charged approximately {$2300.00} additional on my monthly mortgage auto pay, I called my mortgage company and sent the necessary insurance paperwork. There never was a lapse in my coverage. Additionally, this mortgage was transferred to Newrez ( they were not the original company I started the mortgage with ). I had already made payments for over a year and there no change in my insurance company. My yearly cost of insurance is {$1000.00} but Newrez attempted to charge me {$28000.00} annually. They have already billed me {$5200.00} on XXXX. My normal payment is {$2800.00}. Now they are requesting {$5200.00} on XXXX even though they have the correct information. I do not wish to default on any payments but These charges and the amounts appear predatory and I would like a full refund.
Product: Money transfer, virtual currency, or money service

Purchased {$8000.00} in money orders from Amscot in XXXX Florida was that a XXXX  XXXX in XXXX XXXX area and staying at a XXXX  XXXX. Contacted staff contacted management and spoke with originator had no assistance and denied the fact that it had information on record to reference to.
Product: Credit reporting or other personal consumer reports

Hey Trans Union, XXXXXXXX XXXX XXXX account was supposed to be deleted and its still on there when I called they said that it was deleted but its not. Can you please remove this from my credit report thank you.
Product: Mortgage

I've been sending extra payments to be applied to my unpaid mortgage balance and they will NOT apply the payments to my unpaid balance. I have sent a payment of {$310.00}, that they recieved on XX/XX/21. and they have applied it to my XX/XX/XXXX payment. Eventhough, I wrote on the money order that it was sent to be applied to my unpaid mortgage. I have called thm several times about this. I am getting no results.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Deletion of Inaccurate Account Information Within 30 Days : I am writing to demand the immediate deletion of inaccurate account information from my credit reports held by TransUnion and XXXX. The account associated with XXXX is currently being inaccurately reported, as outlined below : 1. The account numbers provided on my TransUnion ( XXXX ) and XXXX ( XXXX ) reports do not correspond to the original loan documents ( XXXX ) I possess. 
2. The reported balance of {$630.00} on both my TransUnion and XXXX credit reports is blatantly incorrect and does not align with my payment history or the actual purchase amount of {$450.00}. 
3. The inaccuracies in my credit reports are compounded by the fact that my last payment of {$140.00} made on XXXX XX/XX/2024, was never deducted from my original balance of {$450.00}. This discrepancy further highlights the inaccuracies in the reported balance and payment history associated with the XXXX account XXXX 
Despite previous disputes with TransUnion, XXXX, and XXXX XXXX the inaccuracies in this account were negligently verified without proper investigation. This negligence in verifying the inaccuracies is grounds for immediate deletion of the erroneous information in accordance with law. Their negligence in conducting a thorough and lawful investigation further exacerbates the violations of my rights. 
The inaccurate reporting of this information is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. The discrepancies in the reported account numbers, balance, and payment history not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also raise concerns regarding compliance with Truth in Lending Act ( TILA ) regulations. 
I demand immediate action to rectify this situation. The reporting inaccuracies directly contravene the following FCRA and TILA provisions : - Section 611 of the FCRA, mandating consumer reporting agencies to furnish accurate and complete information. 
- Section 623 of the FCRA, specifying the procedures for disputing and correcting inaccurate information with consumer reporting agencies. 
- Failure to provide accurate and complete account information as required by TILA regulations. 
- Misreporting of account numbers, balances, and payment history, which directly contravenes TILA 's provisions for accurate disclosure of loan terms and transactions. 
- Negligence in properly documenting and reflecting payment history, leading to incorrect reporting of outstanding balances. 
- Failure to ensure the accuracy and integrity of credit reporting information, a fundamental requirement under TILA to protect consumers ' rights and financial well-being.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX is reporting my account 60 days late however it also states the balance is XXXX. My payment is XXXX so couldnt be 60 days late. They have for two months not posted my payments correctly and I am demanding this be corrected I should be having an up to date report. I should be listed as current and nothing past due. They need to update my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. They did not provide me with the information that i asked in the timely matter. In accordance with the Fair Credit Reporting Act 15 U.S.C 1581 and Fair Debt Collection Practices Act 15 U.S.C. 1592 XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1581 section 602 A. States I have the right to privacy 15 U.S.C 1581 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 1692 section 605 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer 15 USC 1592 section 605 A section 3 States at the consumer place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1592 section 606 section 5. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

XXXX XXXX XXXX has been harassing me and stressing me out for years. I have XXXX now because of this collection that has been illegally reporting on my credit report due to this debt collector. I have proof of them telling me they are a debt collector and they have violated so many of my rights going on for years now. this is not my first time disputing this illegal account that is on my credit report. I have sent countless papers and did everything they told me to do to show them this account is not mine and the only thing that happens is they update it i want the account deleted. I have proof i sent certified mail to them and they were supposed to send me everything back in 5 days which they failed to do so. I also have proof of every letter they sent me along with them telling you they didn't try to contact me and they are not a debt collector.
Product: Checking or savings account

The bank is holding my money and refuse to give it to me, due to it not being a business account. Its been almost a year in a few weeks since this has been going on. They wont let me close it and its XXXX $ in there.
Product: Consumer Loan

I purchased a car and it was financed through 5th 3rd bank in XXXX, OH. My last payment was XXXX XXXX, XXXX. In XXXX XXXX, I pulled the last 2 coupons and paid the last 2 payments. My payments have always been on time throughout the loan. 
On XXXX XXXX, XXXX ( yesterday ), I received a call from the bank ( a male ) saying that I still owed {$250.00} on the car and I explained that I had made every payment and had the coupon stubs to prove it. He said that they never put the last coupon in the book and that I still owed this one payment. I thought it was a scam so I got mad and hung up. I filed a complaint with my local Attorney General 's office immediately. This morning, XXXX XXXX, I got another call from the bank stating that I owe this money and I told her that I had filed a complaint. I also explained to her that I had completed ALL my payments and did not owe them anything. 
I do have the empty payment book with the stubs where the coupons have been pulled to the end and there was no information at the end of the payment book stating that the last coupon would not be found in the book. 
My credit is impeccable and I am very upset by this seemingly unethical practice of this bank. I am concerned that they will not release my title until they get this " extra '' payment ( which is definitely not owed them ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Checking or savings account

On XX/XX/2023, my husband deposited 2 large checks that were a result of a lawsuit to our joint bank account. PRIOR TO DEPOSITING these 2 checks, we contacted Chase via phone to inquire whether these two checks -- that had multiple payees -- could be deposited into our account without ANY ISSUES. 

We were informed on THREE separate occasions that it WOULD NOT be an issue. The checks could be deposited and would be placed on hold until all funds were released. My husband even took a copy of the check to the bank/branch and spoke with XXXX XXXX XXXX who assured him that as long as we were the last persons to sign the check that it would not be an issue. 

Unfortunately, the information provided by THREE different people who work at Chase was INCORRECT. 

CHASE has NOW PLACED A HOLD on our account which include not only the amount of the checks but the money that we already had in our account. 

WE ARE UNABLE TO ACCESS ANY OF OUR FUNDS! 

In addition, Chase has also ROPED IN my children 's accounts THAT HAVE NOTHING TO DO WITH THIS SITUATION and have placed a hold on their accounts as well, simply because they're linked to an account that I hold THAT HAS NOTHING TO DO WITH THE ACCOUNT the checks were deposited into. 

Chase NEVER reached out to us to inform us that there was an issue with our account. We found out because we were unable to process a XXXX payment and could not pay our bills. 

We contacted Chase via phone only to be patched to the Fraud Department where we were informed by XXXX XXXX that if we failed to provide the requested information that they would close our account in 10 days. So instead of trying to fix the problem, SHE THREATENED to close our account all the while holding OUR MONEY HOSTAGE. 

We immediately went back to the branch and spoke with XXXX XXXX XXXX who attempted to get additional information but was basically given the same info we were given. He could not help us nor could he provide us access to our money. He informed us that he could escalate the issue -- and that's basically it. 

WE HAVE BEEN LEFT WITH NO MONEY and OUR KIDS MONIES HAVE BEEN RESTRICTED AS WELL. 

Chase FAILED to provide us with ACCURATE information robbing us of making an informed decision -- because had we known that our account would be restricted we would NOT have deposited the checks. 

The checks are from a legitimate lawsuit and the payees are family members who were all part of the lawsuit.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Transunion added a derogatory mark on my credit report per Experian. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA One main has violated my rights as a consumer and i'm requesting legal action to remove this account immediately