23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX : I sent a paper check to my mortgage servicer, Mr.Cooper on XX/XX/2023, with delivery expected by XX/XX/2023. 

The check arrived at Mr. Cooper on XX/XX/2023. 

I called Mr. Cooper to understand the status of my payment on XX/XX/2023. I was told that by the agent that they had not received it yet and at this point I was advised to put a stop payment request on the check sent on XX/XX/2023. 

Mr. Cooper then attempted to cash this check on XX/XX/2023. For 8 days the check sat unprocessed by Mr. Cooper. That check was returned NSF as I was told to put stop payment and send a new check ( I was notified of the NSF on XX/XX/2023 ). 

I sent a new check on XX/XX/2023, with expected delivery of XX/XX/2023. Mr. Cooper has still not processed this check as of XX/XX/2023 and has since marked my account as past due. 

My XXXX payment was sent on XX/XX/2023, and has still not yet been cashed by Mr. Cooper. 

Due to Mr. Cooper 's delays in processing my checks, they have placed my account in Overdue status.
Product: Vehicle loan or lease

I believe that I am part of the Wells Fargo Insurance scam that took place for many years. I had an auto loan through them and I can remember them MAKING me get insurance through them without my knowledge and forcing addition payments on me that I couldn't afford. Thus leading to an eventuall repossession on an impound that they wouldn't help me get out.
Product: Checking or savings account

Hi my name is XXXX XXXX I filled a fraud dispute on with well Fargo my debit card was compromised and some made over 68 transactions on my account after I made a big deposit on XXXX I was never made aware of these transactions until I went into my account and seen over XXXX dollars missing. I filled a dispute with my bank right away as soon as I realized and today made the 10th day of my claim and they denied my fraud claim and dont want to give me any reason the guys answer to me was there are many things we look into before we deny a claim! They didnt look hard enough because how is it that someone can get that much control over my account and now the bank is saying that they cant do anything about it! I need to change my bank as soon as I get this resolved and get my money back!
Product: Credit reporting or other personal consumer reports

I have diligently submitted XXXX  investigation request letters to Equifax, however, to my disappointment, they have failed to respond or take any necessary action. This blatant disregard for the established guidelines of the Fair Credit Reporting Act is concerning and warrants attention. Enclosed are copies of the aforementioned letters, as well as the driver 's license and utility bill that have been consistently provided to Equifax. Not only have they disregarded my requests, but they have also lied to the government in a previous complaint submission, demonstrating a lack of respect for the authority of the Consumer Financial Protection Bureau ( CFPB ) and its consumers. It is disconcerting to see such negligence and disregard from a company entrusted with sensitive personal information. It is my sincere hope that this complaint will reach the Director of the CFPB and prompt a thorough investigation. I am prepared to pursue legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX Accounts has violated my rights. 

account # XXXXXXXX XXXX XXXXl XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions i
Product: Credit reporting

Equifax, XXXX and XXXX are reporting a debt from XXXX XXXX as being accurate. I have asked all XXXX reporting agencies to verify the information and to include specific method of verification. Request for method of verification has been ignored and the debt is being wrongfully reported. 
In addition, I have contacted both the original creditor and the collection 's agency used to collect the debt and asked for validation. It 's been over 30 days and I have received nothing from the original creditor. The collection 's agency responded that they will cease collections activity and were not able to validate the debt. If neither the creditor nor the collections agency have not validated the debt, how is it that the credit bureaus are reporting this information? They have clearly not done their due diligence as required by law and are merely parroting what the creditor told them. This misinformation is hurting my credit and subsequenlty, my ability to receive credit. I would like the credit reporting agencies to be held accountable and this inaccurate information removed from my credit report.
Product: Debt collection

A review of my annual credit reports disclosed a debt being reported from a Credit Solutions Corp in XXXX XXXX, CA. The debt collector has falsely reported information to the credit reporting agencies. A collection account is being reported as an open account and the type of loan as a factoring company account ( debt buyer ). Furthermore, the collection is being reported as a high credit of {$200.00}. The term frequency is monthly ( due every month ). The date opened is being reported as XXXX XXXX, 2015, and the date reported as XXXX XXXX, 2015. The date major first delinquency first reported is XXXX 2015. In related CFPB case XXXX Credit Solutions Corp indicated the debt would be referred to the original creditor and they would notify the credit reporting agencies to remove the trade line. However, a review of my credit reports indicate the debt is still being reported by Credit Solutions Corp as a trade line and/or collection item and has not been deleted. It also appears several different addresses are associated with their collection agency in order to prevent consumers from disputing debts.
Product: Credit reporting or other personal consumer reports

According to XXXX v Transition XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding [ information on my credit report ]. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

DPT EDXXXX XXXXLate Payment DPT EDXXXX XXXX Late Payment XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX  Collection XXXX XXXX XXXX Collection I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX my payroll distribution put {$1100.00} in my Navy Federal Credit Union account. The bank automatically transferred the money to three delinquent credit card that is a part of my bankruptcy filing. I notified NFCU in XXXX of the bankruptcy and provided them with my attorney 's information. I contacted Navy Federal in XXXX to see if I would be about to us my accounts again and was told the savings account was active, but I was not longer eligible for checking account. 

My husband is now unemployed due to the COVID 19 crisis, and has yet to receive unemployment benefits. So I wanted to preserve our money in another account since the stimulus payment went into our checking account. Afraid to got in a bank or use an ATM, I adjusted my payroll to direct deposit the money to saving for hardship. With all of the waivers on interest and debt due to this crisis the bank should have notified me that this would happen before they took my money. Especially since they are aware of the pending bankruptcy. 

I'm not sure of my recourse to receive some or all of my money back, but there should be prohibited at this time. I work in billing and buy law I can not charge interest, penalties, tax liens etc at this time. Any assistance would be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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 XXXXXXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I called Santander Consumer USA to inform the company that I was surrendering the XXXX XXXX XXXX and I was leaving the car at the XXXX Dealership where I purchased the vehicle. The customer service representative who I spoke with indicated that she would note the account that I surrendered the vehicle. On XX/XX/XXXX I received a phone call from a representative indicating that they have nothing on record indicating that I surrendered the XXXX XXXX XXXX. Furthermore the customer service representative who I spoke with on XX/XX/XXXX was extremely rude.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed and showing on my TransUnion credit report are unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I wrote a check on our small business account with California Bank and Trust in the amount of {$8400.00} on XX/XX/2021. The check was stolen from the XXXX mailbox and a false payee, " XXXX XXXX '' was added to the payee line. We learned later that XXXX XXXX cashed this check. The theft was reported to California Bank & Trust, the local XXXX XXXX XXXX XXXX Department and the XXXX. We have repeatedly asked Cal Bank & Trust to restore the stolen money to our account, but they repeatedly answer that it is up to XXXX XXXX to reimburse this money. Since California Bank & Trust is ultimately responsible for the integrity of our checking account, we believe that Cal Bank should replace this money in our account immediately, whether or not they collect from XXXX XXXX.
Product: Student loan

I have a 6 figure loan with Navient because I have XXXX XXXX and stayed on campus during my XXXX. I had a loan and was laid off in 2017 and my payment plan was not the same when I got on my " feet ''. It was like the loan started over due to a life event. Not only that, in 2017 when I requested lower payment, they couldn't let me pay what I could, I either had to pay over 1,000/month or put my loan on hold because I didn't have the funds. 

I was young when I got my loans before the recession and would not have gone to school if I hd to do it again. Navient has no soul.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXXXXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding Experians failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has not conducted a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved despite the evidence I provided. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, highlighting systemic issues such as : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses, and Failing to adequately notify consumers of dispute outcomes. 

These reported practices align with my personal experience. Despite providing substantial documentation to support my dispute, Experian has neither corrected nor removed the inaccurate accounts. This inaction is causing ongoing harm to my credit standing and financial well-being. 

As this conduct violates federal law and my rights as a consumer, I request immediate corrective action. Please either remove the disputed accounts or amend them to reflect accurate information. 

I look forward to your prompt response to resolve this matter.
Product: Debt collection

I XXXX XXXX ORDER COPIES FROM ALL THREE MAJOR CREDIT BUREAU I NOTICED THESE REPORT WHERE SHOWING I BEEN PLACE FOR COLLECTION FROM A COMPANY NAME FAIR COLLECTION OUTSOURCING CALL THEM UP TELLING EMPLOYEE THERE BY PHONE THAT I DEFINITELY DISAGREE SO I FILE A DISPUTE WITH ALL CREDIT BUREAU TIME PASS I REMEMBER BEFORE MOVING OUT TO A NEW APARTMENT THEY REQUESTED I NEED TO GET A RESIDENT VERIFICATION LETTER FROM PREVIOUS LANDLORD THAT I DID GET FROM THEM DATED XX/XX/2015 WITHIN VERY GOOD STANDING MY RENT IS DUE XXXX OF EACH MONTH WITHOUT LATE FEE AND XXXX BALANCE NO EVICTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the XXXX major credit reporting agencies only to be denied. On XXXX XXXX, 2022 my credit score plummeted over 100 points. This company XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans
Product: Credit reporting or other personal consumer reports

Two charge off accounts are reporting a balance which Is against the law considering those two accounts are not mine. 
XXXX  XXXX account ending in XXXX And XXXX XXXX a 3rd party for XXXX  XXXX. There not my accounts I never opened those accounts. I'm very ill and this is only causing me stress and making my XXXX XXXX worse
Product: Student loan

On XXXX XXXX I withdraw from my Fall 2023 classes and my school, XXXX XXXX XXXXXXXX has fully refunded and refunded my financial aid back to Federal Unsub Loans with the amount of {$6700.00}. As of today, XXXX XXXX, the amount of {$6700.00} still havent been deducted from my student loans.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check in the amount of {$18000.00} in a Wells Fargo ATM, before the deposit was completed I got an alert that the funds would not be available until XX/XX/XXXX would I like to continue, base on the date given I chose to make the deposit instead on take the check to the issuing bank or taking cash for the issuer. Partial funds were release on XX/XX/XXXX with Hold of {$12000.00} dated to be released on the XX/XX/XXXX. I reach out to Wells Fargo several times regard the hold and was finally told by supervisor XXXX that they cant release the funds because it has not been received i should go back to the part t hay gave me the check. I reach out the the issuer and they contacted their bank, XXXX XXXX XXXX, they confirmed that the check in the full amount of {$18000.00} was realease on XX/XX/XXXX and provided me with the reference number. I then call back Wells Fargo and spoke to XXXX in escalations and briefed him on the situation and also provided him with the reference number and his response was it doesnt matter if they have recieved the funds they will not release the funds until the date they set and there is nothing he can do about it. If Wells Fargo has received my money I should be able to access it and not them hold it to invest until they decide to allow me to access it. I will close my accounts after 35 years based on these policies, I don't think are right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.
Product: Debt collection

This fake company IDEAL COLLECTION SERVICES INC. Located in XXXX FL has been harassing me, reported me to the credit bureaus. 

This company is fake and not license to collect debt in my state Florida. I do not have any responsibility for the debt theyre trying to collect. 
If they have good reason to believe that I am responsible for this debt, they should first mail me their Florida license to collect and documents to support that I owe them. They should also mail me the contract they believe I signed with them. I request that they record that I dispute having any obligation for this debt. I also request that they report to the credit bureaus that I do not owe them and that this debt matter has been disputed and should be remove from my credit report. I request that they cease and desist or I will take legal action.
Product: Debt collection

i am in need of help because debt collector is not able to provide me with original contract showing that i owe them money. 
i looked up this law 15 us.code 1681i which is the FDCPA and in section 1681i a Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 
which mean if i request for my original contract and they can't proof it then they need to remove it off of my credit report. 
they violated my right under the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure what legal authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow or share any public information with you. The United States bankruptcy court clerk advised they do not report to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018 I disputed this account with WFDS with XXXX in the amount of of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and XXXX has violated FCRA 611. I requested that XXXX not use e-oscar for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX even WFDS during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from WFDS as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.WFDS was  unsuccessful in providing me with this information after my request on XX/XX/2018. WFDS was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since WFDS failed to comply with the proper consumer protection laws.