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

My name is XXXX XXXX, I'm XXXX years of age, and work diligently to maintain a good credit history. My consumer 's credit score with the three reporting entities : Experian, XXXX, and XXXX were historically around the 700 range ( file attached ) up to XXXX of this year 2022. 
In XXXX, I paid off a car with XXXX XXXX, and didn't have any open accounts remaining. Experian and XXXX in XXXX of this year 2022. stopped calculating my credit score because I didn't have any open accounts, therefore, when a bank, car dealership or any authorized vendor that I'm trying to attain credit through, checks my consumer 's credit report with the reporting agencies, WITHOUT A CREDIT SCORE, MY CREDIT IS DENIED, AND I'M TOLD THAT I NEED A CO-SIGNER, I'm XXXX, educated with a great career ( income of XXXX ), and can't get a car loan. due to EXPERIAN and XXXX don't possess the initiative to score my historical data. 
100 % OF ALL CONSUMERS, with previously credit established, should have a consumer 's credit score. this is creating unbearable hardship, unnecessarily. 
I reached out to CFPB for assist and got none. my next recourse if to contact my senator and file a class action lawsuit with my attorney.
Product: Checking or savings account

I already have a case number, which is XXXX. 
I received an email from XXXX XXXX from Wells Fargo. I tried emailing and calling with no return call or email from him, since he is the person who contacted me. 
I told him i would like to get an update. They are just ignoring me!!!!!! 
I have found out, on my own via the police dept., that my check was cashed at an ATM at XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I STILL THINK WELLS FARGO SHOULD BE INVESTIGATED FOR TELLING THEIR CUSTOMERS, AS PROBABLY ABOUT 8 DIFFERENT EMPLOYEES OF WELLS FARGO TOLD ME, THAT THE FUNDS WOULD BE RETURNED TO MY ACCOUNT, ONCE THEY ESTABLISHED IT WAS FRAUD. I THINK THE EMPLOYEES I SPOKE WITH WERE TELLING THE TRUTH BUT WELLS FARGO DECIDED TO NOT HONOR WHAT WAS TOLD TO ME. 
I STILL BELIEVE THEY HAVE ENCOUNTERED MILLIONS OF DOLLARS WITH FRAUD INVOLVING CHECKS AND HAVE MADE A DECISION TO LIE TO THEIR CUSTOMERS, ON A LARGE WIDESPREAD BASIS, AND SCAM THEIR CUSTOMERS, BY NOT REIMBURSING CUSTOMERS FOR WHAT WAS STOLEN. THEIR HISTORY CERTAINLY DOCUMENTS THAT THEY ARE CAPABLE OF DOING DISHONEST AND ILLEGAL THINGS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on PHOENIX FINANCIAL SERVIC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them. Also I would like to state the multiple inaccuracies being reported in the same account which I have circled on the attached document, dates opened are inaccurate, last date reported is inaccurate, payment status is inaccurate, how can it be reported as a collection, charge off and 120 days late as well as different dates for last date active? These inaccuracies are hurting my credit profile and should be deleted. 

I have to date received no proof that I owe XXXX any debt and I am requesting that they forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If they are unable to provide me with the proper proof then they must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 

If they continue to claim I owe an alleged debt that they can not confirm with proof ( original alleged contract bearing my signature ) then they will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

They have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of their claims in this matter, and will entitle me to presume they placed this on my consumer report ( s ) in error and that this matter is permanently deleted. Provide the proof, or delete this alleged debt from all sources to which they have reported it. Please forward your documentation to me upon receipt of this letter. Please note that proper documentation is NOT a print out or bill, but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

If I don't get proper documentation I will be filing my complaint at : www.ftccomplaintassistant.gov/ And XXXX XXXX XXXX  Also the response shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I received a wire transfer of {$21000.00} from M & T Bank into my NFCU account. After XXXX to XXXX days, M & T reversed the wire and removed my personal funds from my account and caused my account to be closed for receiving " unauthorized '' funds. This has caused me great harm. The clearly signed bank wire slip was prepared and authorized by the M & T employee at the XXXX XXXX, name XXXX XXXX, who I called and spoke with, and the sender, XXXX XXXX XXXX. ( XXXX attached. ) M & T prepared the wire and validated it by sending it out through their clearing system. The transfer must have been valid at that point and completed. The reversal of the wire made the funds proceeds of crime in the manner that it was recalled which caused me great harm. M & T enabled their client, the sender, to cash out of her commitment, leaving me on the line for {$21000.00} and causing my newly opened account to be shut down and my personal funds taken. Other funds were thereafter blocked causing me further hardship and inability to pay my bills. I will be requesting from the XXXX XXXX XXXXXXXX an answer as to how an " unauthorized '' wire can be sent over their clearing network. I am unable to access my bank statements as my online access to my account has been blocked to penalize me. I am the XXXX XXXX XXXX victim of M & T and their client, XXXX XXXX XXXX. When I spoke with my bank, they advised me to contact M & T and the sender. I wrote to XXXX XXXX XXXX, Chairman and CEO and XXXX XXXX XXXX, XXXX and XXXX XXXX M & T. Their less than satisfactory reply was that " due to privacy concerns '' they were " unable to provide [ me ] with a response ''. They then suggested " contacting XXXX XXXX directly to further address this matter ''. ( Copy attached. ) I have tried to contact XXXX XXXX and have verified receipts that my emails to her were received and opened. ( Copies attached. ) However, she has failed to respond. She and M & T are refusing to provide information that I am entitled to as they used my account.
Product: Payday loan, title loan, personal loan, or advance loan

My divorce was final in the year of XXXX, which left me with a lot of debt in my name only. I needed money, so I applied for a title loan with this company OneMain Financial. I was desperate and I didnt realize what I was signing up for, the interest rate was at XXXX XXXX .and after more than two years of paying faithfully, I am now facing paying for a car that is now destroyed and this company has refused to work with me on how to resolve this issue. I ve reached out to them on numerous occasions and was literally disrespected by one of the office manager, yet the only solution was to continue to apply for modifications for each month, which is half of my monthly payment, and that money goes directly to them and not my principal. The loan was open in XX/XX/XXXX. I now have a payoff amount around XXXX after over two years of paying on a XXXX loan. This alone sounds insane. The total payback is XXXX. Its like paying for the same car twice.
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. 
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 has violated my rights .

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. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 






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
Product: Credit reporting or other personal consumer reports

I called XXXX prior to applying for a checking account and verified that a hard inquiry would not be ran to open a checking account. The representative told me that it is only ran on credit products. To my surprise, my Equifax report shows that XXXX ran a hard inquiry on XX/XX/2023. This inquiry was not authorized and I'd like to have it removed.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Transunion it was claimed that they had PERMANENTLY BLOCKED the fraudulent information/accounts. 


Sure enough today I see this fraudulent accounts again! The other consumer credit reporting agencies furnished a block once they said they did but Transunion for some reason did not block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once they had already told me they permanently blocked them and had closed my complaint with the CFPB as Closed with Non Monetary Relief. 


This is not right at all, they removed the information then told me it would be permanently blocked, then proceeded to continue to report them?. I have spoken to the original credit issuer and they have even sent the account to be deleted! Im not sure whats happening at Transunion but I will be contacting the XXXX XXXX County Attorney Generals office to see if this violates any laws with the FCRA 2009 as im sure it does, just reading what his office told me it is already violating this : Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days Please just do as you said in the previous CFPB report, Im truly just trying to get on from this horrendous time of theft in my life.
Product: Debt collection

Cavalry Portfolio placed a collection account on my credit reports in the amount of {$4300.00}. I do not have an account with this company and asked for proof of ownership in the form of an assignment, bill of sale or purchase agreement bearing my name. I did online research and learned that I am entitled to this proof per XXXX XXXX XXXX XXXX XXXX XXXX 

Cavalry Portfolio never responded to my request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/17 XXXX XXXX - XX/XX/17 NQUIRIES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My direct deposit was not deposited. 

I have tried to contact the bank through all means and unable to speak to anyone or get through the line. 

I have numerous bills coming up and due to being a victim of fraud in the last three weeks I am concerned with my banks ability to keep my money secure leaving me unable to feed my family.
Product: Mortgage

I am writing to lodge a complaint against what I believe is unfair and highly unprofessional conduct on the part of Amerisave Mortgage Company. On XX/XX/XXXX, I initiated a refinance application ( Loan # XXXX ) for my home with XXXX XXXX of Amerisave ( Loan Originator NMLS ID # XXXX ) and XXXX XXXX XXXX Processor at Amerisave ). I paid the {$500.00} fee that XXXX XXXX said I would recoup at closing, promptly uploaded my financial information, and signed all disclosures. Like my previous home loans and refinances, I assumed the entire process would take 3-4 weeks. However, the process with Amerisave took a total of 6 months. My load processors XXXX XXXX and XXXX XXXX ignored the multiple e-mails I repeatedly sent to them, and did not return my phone calls, making this entire process extremely frustrating and unprofessional. 

On XX/XX/XXXX, I finally received a notice from Amerisave that my loan has been rejected, due to " excessive obligations in relation to income. '' This makes little sense to me for a variety of reasons : 1. The Original Loan is {$470000.00} and the appraisal was {$770000.00}, and my my application with Amerisave was for {$490000.00}.

2. I receive {$5000.00} of monthly rental income on the property, which exceeds my monthly mortgage payment by a surplus of about $ XXXX/month. 

3. I have been employed as a XXXX  with the State of Maryland for 25 years with an annual salary of {$80000.00}.

Aside from my mortgage payments, the only other financial obligations is my car payment and credit cards -- neither of which have ever been in default or had late payments. In fact, I have never defaulted on a loan or had negative marks on my credit report.

With no communication from Amerisave over the past 6 months -- other than automated e-mails -- I have no idea why my loan application was rejected on these grounds, and it's clear that my case was improperly handled. 

Moreover, on XX/XX/XXXX, Amerisave conducted a 2nd hard credit check -- without my knowledge or consent. This is beyond unprofessional, and unless proper steps are taken by Amerisave I will pursue my legal options.
Product: Payday loan, title loan, or personal loan

On XXXX, I purchased through TD Bank XXXX XXXX XXXX a washer and dryer. I was told that the minimum monthly payments would not be enough to pay off the loan in 12 months for the differed interest ( 0 % APR for 12 months ) financing. The payment for the washer, dryer, extended warranty, and taxes and fees, was XXXX, and I was told no interest if paid in full, and if not, the interest amount would be charged from the original purchase date. I paid the amount a month later for the financing via using their online website, as they said via email their would be a bill that I would receive with my account numbers, interest amounts, etc. I was traveling, and paid the amount near XXXX PST, despite living in GA at the time I was traveling. I called TD a few days after, in order to get the late fee waived, and they said to just wait until the end of the year when I had finished making the payments toward the principal balance due and that I would essentially be given the offer for a late fee waiver at the end- this was after hours of hold times, so I just took their words at face value. Today, they marked my credit negatively for a late payment as they charged a late fee ( that I was told would be waived ), that applied toward the balance and triggered my interest to be charged as it was no longer considered deferred, despite my making 12 payments in the amount of XXXX XXXX totaling to XXXX, which was actually more than the actual retail cost after taxes of the washer and dryer. I called TD Bank, and the representative told me that their agents had not made adequate notations in their system of my prior calls, despite them having records of one call later on where we discussed that same late payment, where they called me and I answered because I could not get in touch with anyone. They have called me 4 times daily for the last 2 months in efforts to get their debt resolved, I say that with quotes because it was something they imposed, if they wanted me to pay the late fee - fine, but there should be no reason penalties are ADDED to the principal balance when the only reason I did not argue further was because the representative told me it could be waived when I was done paying it at the end of the year. The balance due was XXXX, and I paid XXXX, leaving the XXXX late fee as well as any interest incurred on it to the statement to be waived by customer service. Now, they are saying it is a valid charge because I did not pay the full amount, though the {$1500.00} was actually more than the amount I financed from TD Bank. The late payment should never have been levied as it was a systematic error and I hadnt even received proper correspondence to make the payment from TD in the mail. I understand that this was at the height of Covid-19, so, mail took a little while longer, but this should make TD want to keep their customers and be understanding of people who arent even having issues paying the bill, but just didnt properly receive their statement to know when their payment is due, the amount to pay, or any of the proper guidelines or requisitions to keep the deferred interest going.
Product: Debt collection

I am writing you about a response I received from MIDLAND CREDIT MANAGEMENT. I Disputed an account that was charged off on my credit reports with the XXXX major credit bureaus. It was charged off on XXXX. I am filing an complaint because Midland Credit Management is requesting the XXXX major credit reporting agencies report this account they have bought of mine that is over seven years old -- as " DISPUTED ''. They requested this as of XXXX. This Dispute is OVER 30 days old. They continue to request it as an ongoing continuous dispute. I am no longer Disputing this account as inaccurate. I NO LONGER want Midland Credit management to keep processing this dispute. It is well over 30 days past my initial dispute. I want to pay debts and resolve problems, unfortunately, MIDLAND is holding my credit report hostage to dispute notations -- - that are old disputes that should have been resolved in 30 days. Otherwise, I could pay more off with better credit reports. If they keep reporting as disputed, I will have to take legal action. I know you can assist me with this considering Midland 's legal trouble and history.They are no longer legally allowed to investigate my OLD dispute. This account is # XXXX. I am NO LONGER DISPUTING THIS ACCOUNT WITH MIDLAND CREDIT MANAGEMENT , INC . ADDRESS : XXXX, CA, XXXX.PHONE : XXXX
Product: Debt collection

I am pregnant with my XXXX child. Obviously medical bills pile up. This is compounded by the fact that if you get behind by 1 day they send you to collection. Then you have to deal with the stress of a collection agency while still maintaining your payments on other bills. 

This debt was sent to collection in error. I spoke with XXXX XXXX who apologized and stated it would be removed. However, on XXXX/XXXX/2015 i get a XXXX demand letter to pay this debt. In bold letters stating DUE BY XXXX/XXXX/2015. i repeatedly get calls but they never leave a message. XXXX 

Additionally, they try to trick you into going to their website XXXX XXXX how professional is that website? ) in order to get the link to get your free copy of your credit report. Talk about being an Unfair, Deceptive, Abusive Practice. Fortunately i am an informed consumer who knows the website is XXXX. I feel sorry for those who are elderly and are tricked into whatever scam they have waiting for them on that site.