23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently pulled my credit and seen this company Midland Credit Management on my credit with multiple accounts owed, so I originally disputed on my credit report I believe it was XX/XX/2022 that I did not receive any paper work that I owed a debt, or proof of debt oe right to dispute and I requested that they send that to me so I can see what this debt was an validate it. I asked for proof of the debt, they responded debt was mine and closed the dispute never providing any details or information. So I contacted the company via their website which I did take copies of our chat session which I was told I had 5 accounts he listed off the accounts and then said we are sending these to an attorney if you do not make payment or come to some resolution. I said I want proof that this is my debt I never received anything and it recently came to light that possible fraud had been committed on my credit in my name and that I never got any letters after asking multiple times to prove this was my debt and I was never given the opportunity to fight this. He said letters were sent originally, but I never received letters so I said I need proof then that you sent the letters or resend me the proof so I can see if this is mine or file fraud and he said contact the consumer credit agency department and if its fraud I can provide them proof and told me what to send otherwise its going to court. How can I not be provided proof of debt when asking multiple times I can't even say of this is my debt so I believe it is NO I don't, but how can I confirm if no one will help me and all they do is make threats and tell me to pay. And why has no one called me why don't i get anything in the mail just makes no sense and I do not beleive this is my debt but no one will provide me proof.
Product: Mortgage

Shellpoint keeps ignoring my request for mortgage assistance they continue to put on a covid forbearance plan and not helping me retain my home. I am asking for a loan modification review. I have submitted the loan modification packet over 3 times now and they continue to ignore my request. On XX/XX/XXXX was the first one sent and then on XX/XX/XXXX resent and today I have sent it again after they have wasted over 30 days of just leaving my documents without a review. My XXXX XXXX XXXX calls every 6 days but they continue to advise the same thing. There is no modification review and that they never got the documents.
Product: Checking or savings account

I was scammed out of funds and Wells Fargo refuses to assist with the issue. I paid rent through XXXX and the owner unregistered and evicted me and because he could prove he didnt utilize XXXX ( currently unregistered ) he was awarded then, he told the court he never received funds my only course of actions was to reach out to Wells Fargo and they have failed to help. The funds need to be refunded to my account. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XX/XX/2019.  During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Product: Student loan

In or around XX/XX/XXXXI contacted my loan provider. I had been working in public interest since XX/XX/XXXXwhen I graduated. My loans were consolidated inXX/XX/XXXX and the Servicer was Navient Solutions. When I heard about the public interest student loan forgiveness program inXX/XX/XXXX, I called Navient. I was told that I would qualify under my current plan but that my Servicer would change. My rate of repayment went down slightly. I was never told the term of the loan would be extended. Several years past, I made timely payments and then because I knew people were getting ready to apply for foregiveness and because may servicer was changing from XXXX  then to XXXX I called to ensure my payments were correct. This was inXX/XX/XXXX. It was due to the fact I had heard that many people were not in qualifying plans even though they believed they were. This was not the sole purpose of my inquiry. I also contact them because I was with a new employer and wanted to make sure they qualified. At this time I was told by XXXX I was not in a qualifying plan and I had never been in one to begin with. They told me both of my employers were likely to qualify but not one single payment I made would. I borrowed approximately {$110000.00} and over the last 18 years I dedicated my career to serving the public. I have paid approximately {$140000.00} over that time because of high interest rate. I still owe {$95000.00}. When I changed jobs and received the correct information I changed to a qualify plan. This was inXX/XX/XXXX. Because of the incorrect information I will have at least 9 more years to pay ( assuming this program still exists ), I will be XXXX  years old, and will have paid back over {$210000.00}. The worst case ( if the program does not continue ) I will be paying until I am XXXX  year old and the amount I will pay on my Federal Student Loans will be close to {$400000.00} when I borrowed {$100000.00}. It is unfair for the student loan companies to mislead and confuse their borrowers. Thank you
Product: Mortgage

I purchased a mobile home in XXXX. Made every payment, never late, and in XXXX paid it off. Green Tree claimed I owed for insurance they had placed on the home previously. I kept homeowners insurance on the property the entire time, for the value of the home as per the contract. Green Tree said I had to have insurance to cover the loan amount, but the contract did not say that. I refused to pay, and later that year they repossessed the home. I contacted Green Tree and requested to know how much they sold the home for, and they refused to provide any information. This was the last contact I had with Green Tree. In XXXX, I found out Green Tree had contacted my father. In XXXX I was XXXX XXXX XXXX with limited credit, so my father co-signed for the note. My father had his own loan with Green Tree, and I found out they contacted my father demanding payment of {$1500.00}. or they would call his current note due. My father paid {$1500.00}. to settle the claim without my knowledge. 
On XXXX XXXX, XXXX I received a XXXX from Green Tree, now doing business as DITECH Financial, claiming they discharged {$5700.00} of debt I owed. I contacted them at the number listed on the form. 
The automated system requested my account number, so I provided the one on the XXXX. It said the number does not match any acct. 
It then asked for my SS #, which I provided. It said No Acct exist for this number. Finally I spoke with a representative. She could not provide any information other than to say I must have owed money sometime a long time ago on a mobile home. I claimed I owed nothing a and requested that she verify the debt, and she said those records do n't exist any more. I told her that was n't acceptable, that I did not owe anything to Green Tree, and unless she can provide me proof I wanted this XXXX corrected. She told me I must have owed money from a long time ago, and they decided to write it off on XXXX, so she refused to do anything. Once again I requested some proof I owed Green Tree anything, to which I was told the account and those records do n't exist anymore. 
How can a company, without proof or documentation randomly place an XXXX burden on me with a XXXX for any amount they make up? I 'm guessing Green Tree does this, and then claims the deduction on their Federal Taxes, so would n't this be Tax Fraud? Even though they have n't tried collecting this amount from me, by filing the XXXX they have placed the debt on me unfairly, causing me to now owe the XXXX portion of this undocumented debt. 
I think Green Tree is guilty of criminal activity, and ask that a formal investigation be undertaken.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Debt collection

A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX and A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX both accounts has reported as bad debt on XXXX and XXXX of XXXX. I have seen that these accounts show as bad debt on my credit report and I have Mailed letters to Experian to Verify the Inaccuracies and ownership of this debt and I have not received a response back via Mail from Experian in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account on Experian, XXXX, and XXXX appearing on my credit report under XXXXXXXX XXXX with account number XXXX ; XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX ; XXXXXXXX XXXX with account number XXXX XXXX After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : XXXX. Reporting of a XXXX XXXX on a XXXX Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt XXXX to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute. 

XXXX. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.
Product: Checking or savings account

Capital one has not released my direct deposit for 2 days now said they have technical issue with a 3rd party vendor. Incurred late fees on bills also has no money for food
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to inform you that I have unrecognized accounts in my report. I do not know these accounts and they are still reported. I gave time to this and I thought bureaus made investigation and soon these accounts would be deleted however they are still in my report and basically you are my last hope to push this situation towards deleting the accounts. Please check my situation and my profile, figure out the reason of misleading information and delete them as I am in need currently. I o not know the origins of these accounts and they are not mine, I do not recognize them
Product: Bank account or service

My checking account was changed to a fee based account without my knowledge, my savings and checking accounts were drained and are in negative balances. Bank of America says I owe them {$300.00}. 
I opened a checking and savings account with Bank of America at least 6 years ago. It had XXXX charges at the time to have an account. I have moved 5 times in the past 3 years and had not checked that account. I stopped using the account back in XXXX when I switched over to another bank, and when I recently checked my Bank of America accounts I noticed I was being charged maintenance fees ( this has been going back for at least a year, but I did not realize this previously ). Both my checking and savings accounts were in the negative and my savings account was closed. Bank of America changed my checking account to one with a monthly fee. The monthly fees caused me to overdraft and go into negative balances. It 's probably about {$500.00} in charges including the negative balance for accounts I have n't touched. When I called the company I was told they sent me something in the mail. There was no due diligence on their part. I never received a phone call as I was going into overdraft on this. 

My savings account was overdrafted so much it was closed, and I am no longer able to access the documentation for the savings account.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2022, I was doing online deposits of few personal checks. Suddenly I got logged out from my online banking app. I went to check my emails, and I opened one email from " Chase Online '' regarding : Security info : stating that they had detected unusual sign attempt in my account on Friday XX/XX/2022. They wanted me to verify my account. I found this email suspicious, so I called the customer service phone line and I spoke to a representative. I informed what happened, and he said as long as I didn't provide my account number ( which I didn't provide ), I should be ok. I didn't feel comfortable knowing a suspicious email had my name, address, email address, and social security number. I checked my bank on line on Saturday, Sunday and there was no suspicious activity in my account. I checked again on Monday, and I saw a wire transfer I hadn't initiated. I called my banker immediately and she provided the Fraud Department phone number to inform what happened and try to cancel the transaction. It was a wire transfer for {$1900.00} to XXXX to XXXX XXXX XXXX  XXXX. I have NO Business with this Financial Institution and I don't know anyone in XXXX. My bank account was locked and I had to notify the 3 major Credit Bureaus and submit this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX  to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX   The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX
Product: Checking or savings account

I had an account with Wells Fargo for over 5 years. 
I opened several business accounts as well. 

however, The issue we're encountering is that in XXXXXXXX XXXX XXXX Wells Fargo sent me notice that some of the payments I received from our clients were being held. Subsequently, they were going to close the account and I was told to pursue the funds that were pending with the clients. 

There are a total of 20-Clientes pending at XXXX per check. 
The account was closed with over XXXX in the account and the rest was NOT sent to the clients nor did we get the payments either. 

Furthermore, we had XXXX in the personal account, XXXX in another business account, and XXXX in another business account. 

Wells Fargo closed the accounts, charged me fees, and then send me a check for XXXX from the savings account I had with them. 

When I tried to work it out with the bank, they indicated to me that I needed to speak to the branch. The branch at the time was closed due to COVID and the new manager at a different branch was not able to assist me other than sending my documentation to the fraud teams. Nothing has been done.
Product: Credit reporting

Transunion has incorrect information. THIS is not my ACCOUNT. 
ACCOUNT # XXXX XXXX THIS IS A INVALD COLLECTION ACCOUNT REPORTING ON TRANSUNION. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH TRANSUNION AND XXXX. THIS WAS A IDENTITY THEFT CASE FROM 2010. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX  account # XXXX XXXX Bank account # XXXX XXXX  account # XXXX XXXX account # XXXX FXXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX  15 U.S.C 1681 Section 602 ( A ) States, I have the right to privacy.

15 U.S.C. Section 604 ( A ) States, A consumer reporting agency can not furnish an account without my written consent or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My information Was sold and bought illegally I was a victim of the XXXX data breach I want these items removed off of my credit report and delete it from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact A victim of this data breach and XXXX has done nothing Please help me delete these illegal accounts from my credit report
Product: Debt collection

Preferred lease has been contacting me since XX/XX/21. This company is trying to get extra money out of me after they have already took my credit card I have paid them {$2700.00} of my consumer money for furniture plus they are trying to charge me an additional {$900.00} dollars after the use of my social security number. The furniture was paid for and now they are trying to collect double the payment. That is a violation after I have told them not to contact me, I have never given preferred written consent to contact or harass me and they refuse to stop. I am afraid to answer my phone because they have given my XXXX I block the company from contacting me but they send text messages and call from multiple different numbers XXXX I sent preferred Lease an affidavit of truth, a cease to communication and a copy of phone records and an Federal consumer invoice in one envelope certified mail return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the XXXX data breach therefore my private information is vulnerable to malicious individuals.
Product: Credit reporting or other personal consumer reports

My name, address and date of birth listed include incorrectly. I want it fixed. A person with the same name info is listed on my report, please remove