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

XXXX XXXX  sold my mortgage to XXXX on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX  sent the payment to XXXX. Then the next month when XXXX  received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX  at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have XXXX reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to XXXX  and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$4900.00} XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

MIDLAND CREDIT MANAGEMENT IS LISTING AN ALLEDGED DEBT ON MY CREDIT AND I DONT HAVE A CONTRACT WITH THEM AT ALL OR KNOW WHO THEY ARE. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. I have made previous attempts to get this verified. This company is violating my rights, and I'm entitled to {$1000.00} for every violation of those rights. I will pursue legal action if this account is not removed from my credit report ASAP.
Product: Checking or savings account

In XXXX I started my Wells Fargo account including Checking, savings and XXXX XXXX. By XXXX I realized my account has been compromised. I notified the bank immediately that the know hacker that stealing from Wells Fargo and my account was one of them. 

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

Loans are paid off, not in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Product: Mortgage

I need XXXX accommodations to report with Someone verbally The last lady I talk to lost my information because of technology She re wrot3 it but this is not complete XXXX XXXX originated a loan in XXXX of XXXX for a conventional loan with no prepayment penalty and the ability to get a home line of credit. 

Wells Fargo Office of president 1st Complaint XXXX  who investigate told me I had to wait until XX/XX/XXXX to be able to get a home equity line of credit with our conventional loan. 

We wait and apply for home equity line of cerdit with XXXX XXXX XXXXXXXX. 

XXXX  XXXX XXXX deny our home equity line of credit and told us to contact Wells Fargo about a home equity line of credit. 

I filed a second complaint wells fargo office of president This time XXXX told me i wasn't i the loan that i have. 

I called 4 or more times to wells fargo and each new person confirm by phone myy loan information confirm I have a conventional loan. 

They sent me documents but deny me XXXX accommodation requested under XXXX of XXXX font or bigger with double space. 

Wells Fargo informed that the lady that told us to come to the the closed attorney office lobby and bring check book for closing costs. 

That lady with loan document who check out diver license had to tell us what we signing because we unable to read it. 

She did not read us entire documents. 

We aware we unable to read. 

She did confirm we have a convential loan with no prepayment penalty. 

We have call records with XXXX with transcription. 

We mislead by Origination person XXXX XXXX told our XXXX barriers he had to stay on phone with us to tell us how to fill out loan information. He did this with me Then he got on phone with husband tell him how and what to do on computer because no XXXX accessibility for our XXXX accommodation needs. 

We further mislead by XXXX Well Fargo XXXX XXXX XXXX President who tell me I wait until XX/XX/XXXX when I can apply for home equity line of credit. 

We find out later that in XXXX XX/XX/XXXX had XXXX given us correct information we could have refinance loan into the loan we originally requested when interst rates low. 

Wells fargo bait switch loan term know we unable to read.
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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX.
Product: Credit reporting

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/2015. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/2015 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in ( I sent in an additional request on XXXX/XXXX/15 ). I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Product: Credit reporting or other personal consumer reports

Ref ( a ) 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) Ref ( b ) 15 USC 1681 Section 602 A Ref ( c ) 15 USC 1681 Section 604 A Section 2 Per ref a-c, the collection agency has engaged in false and misleading practices, violating FDCPA 807 and providing misleading forms violating FDCPA 812. and per 1006.34 Notice for validation of debts the agency has failed to provide any connection with me and this allege debt.
Product: Student loan

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX XXXX XXXX XXXX. This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian XXXX. I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.
Product: Debt collection

Jefferson Capital violated Regulation F by not sending me any notification before reporting on my consumer report. There is a total of {$6500.00} being reported on my account that I do not owe Jefferson Capital. I have never received any notice about this alleged debt therefore was not able to properly dispute it. As of XX/XX/2021, debt collectors are required to communicate with the consumer about a debt before reporting it to any consumer reporting agency. I never received this notice and as a result I am possibly facing extreme financial injury. I am in the middle of purchasing a home, and my lender just notified me that they can no longer approve me for the home due to this new collection on my report. However, there may still be a chance for me to be able to purchase this home if this debt is removed immediately, as I was scheduled to close in 8 days. This is my home that I have for my household. In the event that Jefferson Capital, does not remove the debt immediately and I am not able to close on my home, I may seek legal assistance to pursue damages under the FDCPA that include statutory damages, monetary damages, damages for emotional and physical distress and more. Thank you for your quick attention to this matter.
Product: Payday loan, title loan, or personal loan

In XX/XX/2017, I acquired a loan via Big Picture loans over the phone in the amount of XXXX dollars. I was led to believe that this would cost me XXXX dollars in interest over 6 months. To date I have paid via ACH from my bank XXXX and recently applied an additional payment of XXXX dollars to be applied directly to the principal. I contacted them today over the phone to express the confusion and asked how they could collect close to 3400 dollars in interest on a XXXX dollar loan and still be carrying forward a principal amount due of XXXX. I asked to speak to a supervisor and was then spoken to by XXXX. She sounded like she was reading from a script and kept stating that their system does all the calculations and when asked for the name of a human being that can make decisions, she had no reply but to once again refer to their system. I asked that the interest be stopped so that I could pay off the entirety in 4 more payments. She had no response except that I was welcome to pay off the loan early. In my financial position, this is not only improbable, but impossible. This loan is predatory in nature to say the least in that the payments over a 6 month span are 5000 %. 

While reading their documents, they appear to operate under Tribal Law, and as such portray themselves to be beyond the reach of the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. IT HAS BEEN PAST 30 DAYS. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Complaint Against : XXXX XXXX XXXX XXXX XXXX. 
Address : [ XXXX  Address ] XXXX XXXX XXXX XXXX Address : [ XXXX Address ] TransUnion LLC Address : [ TransUnions Address ] Nature of Complaint : Inaccurate Reporting Across All Major Credit Bureaus XXXX, XXXX, and TransUnion have failed to update and accurately report information on my credit file. 
Despite submitting detailed evidence, including a " Paid in Full '' confirmation letter from XXXX XXXX XXXX dated XX/XX/year>, the credit bureaus continue to report inaccurate information about the account, showing it as unpaid or charged off. 
This ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. 
Failure to Conduct Proper Investigations When I filed disputes with each bureau, I provided : A police report. 
An FTC identity theft affidavit. 
The " Paid in Full '' letter from XXXX XXXX XXXX. 
All three bureaus failed to properly investigate or resolve the disputes, leaving my credit file in an inaccurate and damaging state. 
Harm Caused by Their Negligence The failure to correct my credit report has caused : Denial of credit opportunities. 
Emotional distress and financial hardship. 
Negative impacts on my creditworthiness. 
Details of Harm : I have suffered significant harm due to the inaccurate reporting, including : Credit Denial : Inability to secure credit or higher interest rates due to inaccurate information. 
Emotional Distress : The stress and frustration of repeated attempts to resolve this issue.

Financial Impact : Lost financial opportunities and additional costs due to reduced credit access. 
Requested Resolution : Immediate Correction of Reporting : Require XXXX, XXXX, and TransUnion to update my credit file to reflect the accurate status of the XXXX XXXX XXXX account as " Paid in Full '' and closed. 
Remove any other inaccurate or fraudulent accounts resulting from identity theft. 
Compensation for Harm : I seek financial compensation for the damage caused by the credit bureaus negligence, including lost opportunities, emotional distress, and financial harm. 
Preventive Measures : Mandate all three credit bureaus to implement stronger dispute resolution processes to ensure compliance with FCRA. 
Require credit bureaus to provide free credit monitoring and identity theft protection for XXXX years. 
Investigate the Practices of the Credit Bureaus : Investigate why all three bureaus failed to properly investigate my disputes despite receiving substantial evidence. 
Require them to submit reports on their compliance with dispute resolution procedures under FCRA. 
Attachments : " Paid in Full '' letter from XXXX XXXX XXXX ( dated XX/XX/year> ) Police report and FTC identity theft affidavit XXXX, XXXX, and TransUnion credit reports showing inaccuracies Date : XX/XX/year> XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$180.00} 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/year>
Product: Checking or savings account

On XX/XX/2021 and with no notice, my debit card stopped working and no longer appeared in the mobile application. When I called Wells Fargo to inquire, I was told that the bank had decided to cancel my debit card, leaving me with an account with no debit card or checks since I never had any checks with the account to begin with. I was further told that the account would remain open but could only be accessed in person at a branch location. Not super convenient or Cuatomer oriented. Maybe online bill pay will work but Im not overly confident about that.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent inquiries and bad accounts reporting late payments from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. ( inquiries ) 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 XXXX XXXX XXXX XXXX attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card or prepaid card

This is in regards to the Government taking action against Citi Bank with a {$700.00} XXXX judgement and returns to 8.8 Million  accounts. 

Citi said and shows a balance owed me at {$730.00}. However if one divides 8.8 Million into XXXX XXXX  it looks like each account would receive over {$5.00} XXXX. My refund doesn`t even come close to that amount. So who is getting those {$5.00} XXXX refunds. Amount is just a quick estimate as you know.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for the violations.