23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dispute letter to Equifax, XXXX XXXX XXXX, XXXX, GA XXXX Last 4 of SSN XXXX TO WHOM IT MAY CONCERN Account Name : XXXX XXXX XXXX, I Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly.

This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}.

According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX  XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX  XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : -800 LOAN MARTXXXX XXXXXX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my XXXX  loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX  for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.
Product: Student loan

Loan Type : Federal. The XXXX XXXX XXXX XXXX ( XXXX ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of my account. However, they provided some serious inaccuracies regarding the review. PHEAA responded that I submitted an Employment Certification Form ( ECF ) confirming your employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, XXXX however, I have written them at least three letters advising them that I have submitted two other ECFs ; in XX/XX/XXXX, and on XX/XX/XXXX. The ECF submitted on XX/XX/XXXX advised that I had been employed with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. PHEAA further responded that did not begin to repay your XXXX XXXX XXXX Federal Direct ( Direct ) Consolidation loan disbursed XX/XX/XXXX until XX/XX/XXXX. This is incorrect, I started repayment in XX/XX/XXXX, and had no forbearances or deferments. I have requested and have not received a full accounting of my payments. In addition, while PHEAA responded I made payment under an ineligible plan, they neglected to state I made the payments under the standard payment plan, and I have continued to do so to present date. PHEAA has not properly credit my payments under the PSLF payment plan. The balance of {$22.00}, XXXX should have been paid off or forgiven at this time.
Product: Bank account or service

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 XXXX XXXX XXXX XXXX , XXXX XXXX XXXX : XXXX PHONE : XXXX : WELLS FARGO BANK ONLINE CUSTOMER SERVICE DEPARTMENTINFO TO : XXXXDR.MR.PRESIDENT BARACK OBAMA HON . SECRETARY OF STATE XXXX XXXX DIRECTOR OF FBIINFO ALERT TO : XXXX.PRESIDENT OF XXXX XXXX XXXX XXXX XXXX XXXXVICE PRESIDENT OF XXXX XXXX XXXX XXXX INSPECTOR GENERAL OF XXXX POLICE SERVICE XXXX XXXX DIRECTOR OF XXXXDATE : TO RESPECTFULLY REFER TO THE ABOVE RELATED E-MAIL SENT TO ME BY WELLS FARGO BANK ONLINE CUSTOMER SERVICE CAPTIONED, " IMPORTANT MESSAGE FROM WELLS FARGO ONLINE '' AND TO PUT THE RECORDS STRAIGHT THAT I AM NOW IN XXXX AND SINCE THE HON.FORMER SECRETARY OF UNITED STATES TREASURY XXXX XXXX SENT THE E-MAIL TO ME AND INFORMED ME THAT HE HAD INSTRUCTIONS TO WIRE XXXX ONLY INTO MY BANK ACCOUNTS AND I DULY GAVE HIM MY THEM WACHOVIA BANK AND NOW WELLS FARGO BANK ACCOUNT THAT THE MONEY WIRED INTO THE BANK ACCOUNT WAS STOLEN AND THE FRAUD WAS DETECTED IN XXXX AND THE PERSON ALSO UNILATERALLY AND FRAUDULENTLY CLOSED THE ACCOUNTS AND I DULY REPORTED THE CASE FOR INVESTIGATIONS, AMONG OTHER CASES, THERETO. 
THEREFORE, I HAVE NO PERSONAL IDEA OR KNOWLEDGE OF THE PURPORTED TRANSACTIONS REPORTED ABOVE, THERETO. 
THAT THERE HAS BEEN XXXX MONEY TRANSFER INTO MY MTN REGISTERED ACCOUNT OF XXXX AND WHEN AT FIRST I DID NOT KNOW WHO TRANSFERRED THE MONEY INTO MY XXXX XXXX XXXX ACCOUNT THAT I RESPECTFULLY EXERCISED DUE DILIGENCE TO KNOW THE PERSON WHO TRANSFERRED THE MONEY INTO MY XXXX XXXX XXXX ACCOUNT OF MY TELEPHONE NUMBER XXXX AND I WAS DULY INFORMED BY THE XXXX AGENTS THAT TRANSFERRED THE MONEY INTO THE ACCOUNT THAT THEY KNEW THE PERSON VERY WELL AND THE PERSON INFORMED THEM OF MY NAME AND TELEPHONE NUMBER MENTIONED ABOVE THAT " I AM A VERY GOOD MAN/PERSON '' THAT I SHOULD GO AHEAD AND CASH THE MONEY. 
THAT AS A LAWYER WHO DID MANY CASES FOR PEOPLE AND HAVE STILL NOT BEEN PAID MY LEGAL FEES AND THE CLIENTS CAN NOT ALSO BE REACHED BY TELEPHONE THAT I HAVE ALSO SERVED " DEMAND NOTICE OF THE PAYMENTS OF LEGAL FEES '' THAT I HAVE NO DOUBTS IN MY MIND THAT THE MONEY TRANSFERRED INTO MY XXXX REGISTERED MOBILE MONEY IS A GENUINE MONEY, THERETO. 
HOWEVER, AS I HAVE ALREADY MENTIONED ABOVE THAT I HAVE NO KNOWLEDGE ABOUT THE WELLS FARGO BANK TRANSACTIONS, THERETO. 
RESPECTFULLY SUBMITTED. 
GOD BLESS XXXX AND AMERICA. 
VERY TRULY YOURS, XXXX XXXX XXXX, XXXX. 
INTERNATIONAL LAWYER/LEGAL CONSULTANTFrom : Wells Fargo XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; To : Sent : Sunday, XXXX XXXX, 2015 XXXX XXXXSubject : Important Message From Wells Fargo Online. 



Dear Customer, Wells Fargo detected irregular activity on your Account on XXXX XXXX, 2015. For your protection, you must verify this activity before you can continue using your Wells Fargo Account. 

Click on the link below to access and verify your statement. 

XXXX
Product: Debt collection

Around the end of XX/XX/2018 I received a letter in the mail stating that I had an bill in collections with Southern Financial for a old utility bill. I immediately sent an money order and paid the debt. A few days later I called Southern Financial to make sure they received my money order. They ask for my personal info to verify the debt. They stated they received my money order & that it would be removed off my credit. Then I was told I had an old hospital bill in there system. I wasn't aware of nor informed previously about any old medical bill debts. I have health insurance. When I do go to see my doctor, I always pay my copay & whatever balance is due is sent straight to me from the orginator. The lady over the phone asked me was my birthday in XX/XX/XXXX & I replied no. So she was asking me for more personal info that I didn't feel comfortable giving over the phone. So I asked could she send something in the mail so I can verify these supposedly debts. About 2 weeks later I received a letter in the mail that didn't have the company Southern Financial listed on the evelope & the information was uninformative. Last night on XX/XX/2018 I received a notification from XX/XX/XXXX stating that my credit score dropped 23 points because a new collection was added to my report. I called Southern Financial the next day and asked to speak to the supervisor. The first supervisor XXXX hung up in my face because I didn't want to give any personal info. The second supervisor XXXX, who I talked to after I called back told me I need to pay my bills then I wouldn't have this problem and he also hung up on me. The third supervisor XXXX stated that he couldn't talk to me with getting my personal info & was also very cruel. I stated to XXXX I had a non personal question so you didn't need my personal info. After explaining what was going on & telling him regardless of someone's supposedly debt you can't treat people rude like that. Matters can be resolve with respect and communication but no one in that office holds a professional torch. They are so mean & hateful hearted. I had know issue paying my debt if it was validated. I wasnt given that option, I wasn't notified, they just slapped it on my credit report after knowing I was in a process of buying a house. They did this to be malicious because I was chose to be cautious about giving my personal information out over the phone.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian credit report reflects a negative account that has been settled, paid and closed. This account is too old to remain in my credit. I have tried to have this removed in several instances however the company has not resolved the issue.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB to publish
Product: Credit reporting or other personal consumer reports

Phone calls to XXXX, Experian and XXXX all resulted in the same refusal to verify an alleged medical debt. 
These organizations would only contact a collection agency and verify the alleged amount owed was reported accurate. 
The agencies would not request proof of a legal right to collect an alleged medical debt by receiving a copy of the Chain of Title which the collection agency must possess to legally prove they have the right to attempt collecting a medical debt.

The agencies told me I must contact the credit collection agency direct and request the information.

My Demand Letter was sent registered mail and only one of two agencies responded in the 30 days reasonable time. The response did not include the Chain of Title they must possess to establish their legal right to attempt to collect an alleged medical debt.

I can only make this complaint and seek relief from these alleged medical debts be included on my personal credit reports.
Product: Mortgage

Due to hurtican IRMA ( in fed declared disaster zone ) I spent more than expected vacating & repairs. I am a XXXX female. FHA assisted with a modification which was ratified on XX/XX/2018 with trial payments thru XX/XX/XXXX. Each payment was made in advance. During this time i was sent SOMEONE ELSES LOAN DOCUMENTS. I informed LOANCARE and was sent my papers. These wete returned notarized but apparently ate getting shuffled around between XXXX XXXX ( processor ) and whoever is thhe new pt of contact ( old is XXXX XXXX loss mitigation ). Because this was disaster related the 1st 90 days was extended another 90 days - in forbearance NOT TO. BE REPORTED LATE TO CREDIT BUREAUS. There are continuous errors reported to credit bureau and promises to fix over & over again. These are unfair practices in collections. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information that is on file does not match the opening date, and the balance does not match. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America and their XXXX has caused to be recorded a Trustees Deed of XX/XX/XXXX reference document number XXXX showing Grantees as XXXX XXXX XXXX and XXXX XXXX. 

Dual Tracking is a practice of concurrently having a customer in both loss mitigation and foreclosure processes. In this instance, Bank of America had not yet completed the MHA HAMP modification process before beginning the property separation process as evidenced by the recording of the Notice of Default ( NOD ) on XX/XX/XXXX. On XX/XX/XXXX a Notice of Trustee 's Sale ( NTS ) was recorded and the debt associated with the XX/XX/XXXX Deed of Trust was sold at auction on XX/XX/XXXX for {$320000.00}. 

Bank of America has represented to me multiple times in writing I have been denied access to the Bank of America Borrower 's Home Loan Modification Status iportal since XX/XX/XXXX which is a violation of the National Mortgage Settlement ( NMS ) enforced by the XX/XX/XXXX Consent Judgement Order. 

All previously mentioned resolutions are desired and mandatory.
Product: Mortgage

Applied with my mortgage holder ( Home Point Financial ) to refi current 30years@ 5.5 % mortgage. Initially was told by loan officer I qualified for a 15 yrs@ 2.49 % streamline refi based on credit, income and payment history. Send me some paperwork to fill up and send back. The loan officer was not one to keep me up to date with status and what not, so for months I had to call her every so often for updates. Last time I spoke to her she checked my file and said the underwriters were asking for something she wasn't quite sure what it was and she would get back with me. Never heard back from her since, called her a few times, goes straight to her voicemail, left voice message never got a call back. Then About a week ago got a letter saying my application was denied based on payment history. I always pay, not exactly on the due date, but within the 15 days grace period, never a late fee assessed ( so in assuming in not late ) and always pay more than is due ( mortgage is {$1500.00} I always pay {$1600.00} ) the only time I ever had an issue with billing and payments and what not, was my very first payment over 2 yrs ago they took a double payment ( {$3400.00} ) from my account I contacted them and my bank and they have to return half that withdrawal ( {$1700.00} ) they assessed a late payment fee then, even though there was no late payment but a double withdrawal on their part. They recently removed that fee " as a one time courtesy '' ( which I protested as I was not asking for a courtesy but for them to correct their error ) other than that I don't understand the reason for their denial and was not offered recourse or appeal choice in the letter received.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX  which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by https : //robinhood.com/. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that https : //robinhood.com/ is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a relevant request for provision of information to Robinhood Markets, Inc. Unfortunately, as of the date of this complaint, https : //robinhood.com/ has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, https : //robinhood.com/ failed to provide the required information about the XXXX  hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, https : //robinhood.com/ does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from https : //robinhood.com/ represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit card

On XXXX XXXX XXXX account opened with XXXX for a credit card in the Amount of {$350.00} Acct # XXXX was opened in my name with out my knowledge or consent. and mailed to the Address of XXXX XXXX XXXX, XXXX mi XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the XXXX major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.
Product: Credit card or prepaid card

On XX/XX/XXXX for the amount of XXXX and XX/XX/XXXX in the amount of XXXX, I made payments through my online bill payment to Cabelas MasterCard. I received a notice that my account was past due. After some investigation a couple weeks ago I found out that they never received the checks my bank had sent. After contacting my bank, XXXX XXXX XXXX XXXX, they told me that those checks were cashed and cleared my account. After they sent me copies of the checks I see that my Cabelas account number on the top of both checks was crossed out and an account number was hand written on the checks as youll see in the photos I submit. The checks were also deposited by XXXX XXXX which youll also see on the back of the checks. I have no account with XXXX XXXX and I have no clue as to why they ended up with my money. So I called them last night and they would not help me or give me any information. So at this point Im out a total of XXXX dollars and my credit is being affected for late payment to Cabelass. Im not making any further payments until this is resolved. I would greatly appreciate any help. My bank told me to contact you guys for a resolution.