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

On or before XX/XX/2017 I called Northland Group to pay off a debt in the amount of {$560.00} in exchange for them to delete this collection account from my credit file. The agency agreed to a pay for deletion. I paid the total amount of {$560.00} but the creditor has never removed this collection from my file like promised. I was not aware that if they agreed to delete for payment that they have to uphold this agreement until now. This creditor breached the verbal agreement and they need to make good on their part of the agreement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello I am writing this complaint because I Have reached out to ACCOUNT RESOLUTION SERVICES with a Debit Validation Letter on XX/XX/2020 asking for What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Date of alleged services List of services/procedures performed Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide a copy of my signature from the provider showing my request to release information to you Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
the letter was Delivered : Wed, XX/XX/XXXX, XXXX XXXX. 
the sent me a letter in Letter some time in the beginning of XXXX with a bill attach witch is not wat i asked for so i sent them a Failure to Validate letter asking them to provide me with This letter will AGAIN request that you follow the FDCPA and please provide -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expect to receive the proof requested above within 15 days of this letter. it has now been well over 15 days and still this company has not taken this debit off my credit. 

attached will be sample copies of what I sent them to comply!
Product: Credit reporting

I am attempting to obtain a mortgage loan, and noted in my credit report an item from XXXX ( XXXX ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted XXXX, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that XXXX provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not XXXX. I then contacted TransUnion, I was told that the mistake was made by XXXX, and that my only recourse was to dispute the items and wait for XXXX to respond, which could take up to 30 days, or to request a letter from XXXX documenting the error. When I informed TransUnion of XXXX 's refusal to provide such documentation, they stated repeatedly there was nothing they could do, because " it 's not our error. '' Frankly, it is infuriating for two companies to each be playing the blame game, pointing the finger at the other, and leaving the consumer mired in red tape and caught in the cross-fire. Further, waiting 30 days could delay closing on my mortgage and jeopardize my ability to complete the purchase of a home. Both Trans Union and XXXX should be accountable for fixing mistakes. Particularly because Trans Union earns revenue from credit reporting, it 's completely inappropriate that they should directly benefit from reporting erroneous information, and claim that they have no responsibility in correcting mistakes beyond filing a dispute. They should have processes in place to expedite claims, or otherwise assist consumers who report incorrect information. The current system is akin to being held hostage by a credit reporting agency who is in cahoots with a crooked collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint about Wells Fargo and the processes they went through with my loan as well as the XXXX XXXX dealership, the incorrect information was placed on my initial application. Instead of correcting the information with Wells Fargo the dealership opened a completely different loan on XX/XX/XXXX XXXX weeks after the initial loan was set up. Wells Fargo checked my credit for a second time after I reached out to them and explained the situation they advised it would be corrected, they did not correct the credit check situation for me as of todays date. I have reached out to them multiple times they have still not corrected the situation. Wells Fargo also returned a check I sent to them to refinance the car on XX/XX/XXXX is when they receive and cash it, after telling me they would just place the check on the correct loan and that there was nothing for me to worry about, taking possession of the loan back even though they were no longer the lien holders on XX/XX/XXXX. Wells Fargo reached out to me to request information to speak to my credit union in regards to the mistake asking them to correct it and redo the loan. I spoke with my bank and authorized them to reopen a loan for them again paying the same amount that we initially paid {$19000.00} because that was all that was owed to Wells Fargo. Wells Fargo told my credit union the pay off was in the amount of {$19000.00} charging me almost {$200.00} additional charges in interest when I had already paid and accumulated interest with my credit union. The higher amount also caused my monthly payments to increase luckily I have a good enough relationship with my credit union that they did not check my credit union especially with this being the 3rd time they had to rewrite this loan. I reached out to Wells Fargo in regards to this matter again on XX/XX/XXXX and they advised someone in the escalation department would be getting in touch with me no one has gotten in touch with me in regards to this matter as of todays date. My credit has continued to go down because of not only the credit checks but also the opening and closing of all these accounts and no matter how many times I reach all they ever say is its taken care of or someone will get back to you. I have been dealing with this situation for almost 3 months and it is still not resolved. This is my second complaint I have had to file the first one I did was before the payment of the loan issue. I talked to other past clients of wells fargo and they told me they had also had issues with Wells Fargo when it comes to loans.
Product: Credit card or prepaid card

Card is frozen and unable to access money. Called XXXX number and was told it was due to a transfer from the card to our checking account which we did several times before with no problem. Tried to access through the App by entering the card number and the card number is no longer recognized! On XX/XX/2020 I finally got through to some one after being on hold for over 2 hours and was told to submit a fax to XXXX with card ID XXXX XXXX XXXX and copy of a photo id which I did and heard nothing. Called back and after being on hold for over 2 hours once again and was told the release should only take 24-48 hours. It's been over 5 days and the hold has still not been removed. 
Please help resolve this as quickly as possible. 
Thank you,
Product: Debt collection

Trying to collect collection and credit card debts I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have placed a credit score freeze on Experian. I need to temporarily left the freeze. 

To do so, Experian requires a pin that was given to me by mail a long time ago, which I could not locate. 

So, now, to retrieve my pin, Experian only provides website service or auto-phone service. I have tried numerous of times to retrieve my pin as instructed by Experian. Each time, I was asked to mail my ID, social security card, and proof of address to Experian designated address. I did so accordingly by XXXX XXXX mail. 

Now, a couple months have passed, I have not received Experian 's response in mail. Again, I tried Experian website and phone number it provides to consumers/customers. All I got is the same automatic instruction to mail in the same required documents to the same address again and again. 

There are many aspects of life need my credit score be checked. Household needs, /living needs /children needs, the problem faced by Experian became such an obstacle to my life.

There seemed to have no other way to get this issue resolved. Problem persists. Life is heavily impacted without hope of seeing it be changed due to this problem. 

Experian could not hold such a position to hurt a normal people 's liberty and life needs. Thus, I'm filing this compliant after I tried all the attempts that Experian offers to consumers/customers.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have the right to privacy. 
XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX XXXX XXXXXXXX ( XXXX XXXX ( XXXX ) - nothing can be furnished on my consumer report without my written consent XXXX XXXX Code XXXX - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, XXXX XXXX XXXX ( XXXX  ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX. XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX, XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX XXXX CODE XXXX XXXX XXXX PURPOSES OF CONSUMER REPORTS  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXXXXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MTG Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a letter from Transunion LLC informing me that they " received a request that included my information, but it didn't appear that me or a properly authorized third party sent it to them. '' This is completely incorrect and I feel it is a " Dear XXXX letter '' tactic the company is using to delay processing disputes that are accurate, valid, and authorized by the consumer themselves. I XXXX XXXX, wrote to Transunion to dispute inaccuracies listed on my credit profile and personally typed out my disputes, account numbers, and included my personal identifying information such as my DOB, SSN, and copy of my personal Driver 's license. I mailed my disputes to Transunion in XXXX. 

I called Transunion today ( XX/XX/2022 ), to inquire about the letter they sent me, which claimed that I did not mail out my own credit letter disputes and the rep told me that they aren't able to see any letters that are sent out to customers regarding this issue and gave no solutions to remedy my concerns. 

I have been denied the ability to dispute my Transunion credit profile, and Transunion is now in violation of F.C.R.A. 607. Compliance procedures [ 15 U.S.C. 1681e ] by failing to " maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ].
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX successful got Experian to remove XXXX XXXX XXXX XXXX from my credit report on XX/XX/2021. I was checking my score online when I noticed that Experian had re- inserted XXXX XXXX XXXX XXXX unto my credit profile without notifying me of this. XXXX XXXX XXXX XXXX was re-inserted into my credit profile on XX/XX/2021. The law states that if an item in re- inserted into a person 's credit report then that person should be notified within 5 days. Its now 8days since the re- insertion of the previously deleted item and I have not been notified by Experian the reasons for this and the documents to prove the reason it was re- inserted into my credit profile 3 months after it was deleted. This is a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to Navient and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting inaccurate information and keep saying that XXXX XXXX is verifying not only is that not true but XXXX XXXX have provided me complete documentation showing there is no such information and have asked the Experian  and XXXX XXXX to remove any such information. They are not doing reasonable investigations and are violating FCRA. I have sent in disputes and phone calls and still they are submitting dispute or even getting information. XXXX XXXX has not verified no such information and Experian and XXXX XXXX is intentionally caused me great damage and embarrassment also with emotional distress. 
. Enclosed is the proof that i have no such public record and that i am a victim of identity theft. Came from directly from XXXX XXXX. This will be my last attempt before i am forced to take legal actions on all parties
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX XX/XX/XXXX {$52000.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$250000.00}, XXXX XX/XX/XXXX {$1000.00}, XXXX XX/XX/XXXX {$7500.00}, XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XX/XX/XXXX {$500.00}, 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 a4s.1 open end consumer credit plan as late for any purpose.
Product: Mortgage

ocwen loan servicing llc got my mortgage transferred fromXXXX XXXX .when ocwen sent my first statementthey added a {$2800.00} fee. my account should be reimburst for any and allfor any and all costs.
Product: Mortgage

I was a first time buyer property is FHA, Loan FHA {$330000.00} through loan depot. After all said and done with loan I noticed issues with the property that did not meet FHA guidelines. The # 1 rules for FHA is a heat source in each room. There is no heat source. The appraiser lied on his report, there has not been any gas on the property for 6 years so how could the heater work. Loan Depot also did not ask for the home inspection to verify that the property meets FHA guidelines. I have filed complaints in XXXX after doing my research with Loan Depot, FHA/HUD, the DRE and Real Estate Appraiser Bureau. Loan depot keeps changing there story that did nothing wrong, then anther rep states no we should of asked for the home inspection. I cant get direct answers from them but they insist they have done nothing wrong and will not help. FHA/HUD will not call the appraisal board to see that disciplinary action was taken against the appraiser but I called yesterday to have case reopened and investigated. The DRE is still investigating. I have been fighting this for a year now and no one will help but it is clear the FHA guidelines were not met and the property should have not been sold in the condition it is not meeting FHA guidelines.
Product: Checking or savings account

I opened 4 business accounts with Relay Financial ( relayfi.com ), the accounts were opened successfully and funded. I attempted to transfer the funds and the bank requested information on the transfer and I provided it. After review they indicated to me that all my accounts were going to be closed and I would be sent a check for the funds in the account ( XX/XX/2023 ). I was told the checks would be sent 3 weeks after the account was closed. I followed up XX/XX/XXXX and asked if the checks were mailed. They indicated to me that the account was closed on XX/XX/XXXX. I followed up again on XX/XX/XXXX that the check have not arrived and needed a ETA. I have waited an additional month after the arrival of the checks and send numerous emails to the support team without a response. I have also tried to call the support department and started to receive a busy signal. I learned that my phone number was blocked and I can only call from a different number or if I black my number from calling the support phone number. I have spoken with the support team and they indicated that the support team is researching and would be contacted. I have not received a response. The bank is holding over {$14000.00} of my funds that needs to be sent to me.
Product: Debt collection

Back in XXXXXXXX XXXX  I had fraud charges in my Wayfair Citi credit card. I reported the fraud to Citi immediately. Citi completed their investigation and ruled in my favor, of course. And the charges were proved to not be mine. 

Here we are 10 months later and I have a debt collections agency called XXXX XXXX XXXX reaching out claiming that they are chasing me for debt from Wayfair. I was so confused about this and immediately called my Citi Bank to reconfirm that the charges were rolled in my favor. Citi again confirmed and even stated that Wayfair is NOT a bank and can not put me into collections. Citi said if anyone would put me in collections it would be them, the bank. And they use their own collections agency and it's not " XXXX XXXX '' Again, WAYFAIR is a store, they are not a bank, they can not put me into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I had gone to the ER for medical-related issues. Afterward, I had my bill fully covered by my health insurance company. Being said that, I had received a call from debt collection of an unpaid medical bill which had already been paid ( and settled with my hospital & insurance company ) however it had brought my credit score down by XXXX. It had originally been XXXX, which was then taken down to XXXX or so. I've resolved everything with my insurance company and hospital however I still have yet to fix my credit score as this was used against my credit score for no fault of my own. I am trying to apply for an auto loan which I no longer qualify for due to this mishaps due to collections affecting my credit score to an already paid medical bill. Please get back to me when possible. I am very upset by the downfall of this.