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

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Inaccurate Names 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 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 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 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
Product: Mortgage

On XX/XX/2016 I called Wells Fargo who has my mortgage that I would like to change my payment to weekly instead of every first of the month. I informed the CSR on the telephone that this should be effective for the month of XX/XX/2016 so we agreed that {$910.00} be taken out on XX/XX/2016, then XXXX starting XX/XX/2016 and every XXXX after that date. I was surprised when I checked my Wells Fargo home mortgage account on XX/XX/2016 that I was charge a late fee of {$18.00}. I immediately called the Wells Fargo Home Mortgage and inquired from them about the situation. I do n't understand why I should be charged a late fee when there was already an agreement that I pay weekly. I was told that there was a late charge because the payment was taken after XX/XX/2016 The CSR I spoke to blamed miscommunication and stated that {$18.00} will be waived. Today XX/XX/2016 this late fee is still in my account. I am worried because I checked my Wells Fargo Mortgage account and there states total amount due to make a loan current of {$18.00}. They have already taken my weekly payment of {$450.00} on XX/XX/2016 and XX/XX/2016. I want for them to straighten out their accounting on my mortgage please. I do n't want for them to keep on charging me {$18.00} in late fee when I am not late. An agreement for a weekly pay was reached on XX/XX/2016. I did not call Wells Fargo after XX/XX/2016 because I am too upset to talk to their CSR and will just put this under the rug for miscommunication. I was already assured on my call last XX/XX/2016 that this late fee will not charged to me and that there will be no future {$18.00} late fee that will be assessed since I have set-up a weekly account. 
Please help. 

Respectfully, XXXX, CA XXXX XXXX Wells Fargo MTGE Acct XXXX
Product: Checking or savings account

Hello i got identity theft from XXXX. I lost my phone last week and someone got access to it and started sending money to themselves. It was XXXX dollars. The date was XX/XX/year>. The same day i called my bank to disputed and today i just got an email from them saying they are denying my claim because Due to the login history evidencing authorization and/or participation in the electronic activity. Even though i didnt send money to anyone with that amount. I have wait almost a week for them to do something. Now im very upset and disappointed because i lost money and this bank isnt helping.
Product: Credit card or prepaid card

XXXX XXXX, XXXX, SC made some unauthorized charges for items I do not have. The purchases were made XXXX XXXX/XXXX XXXX for a total of {$440.00} on my SunTrust Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACT : Im submitting this complaint myself and there is no third party involved. TransUnion LLC, and XXXX has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. They are reporting a Bankruptcy on my credit when there is no public record to be found. I have had my consumer report ran through several consumer reporting agencies and they all confirm that there is no judgement or public record attached to XXXX ( see attached consumer reports from other consumer reporting agency ). I have contacted the courthouse where this alleged Bankruptcy was filed, and they said they have no record NOR do they sale this information to third party consumer reporting corporations. Because of this false negative allegation, I have been forced to move into a horrible part of my city and pay three times the rent. I have contacted TransUnion LLC, and XXXX multiple times and all they keep saying is they'll start a dispute process. As a consumer I did not give TransUnion LLC, NOR XXXX written permission to house ANY information on my person, public or private. They are in clear violation of 15 U.S.C. 1681 ( a ), 15 U.S. Code 1679b : ( a ) In general No person may ( 1 ) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading ( or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading ) with respect to any consumers credit worthiness, credit standing, or credit capacity to and the Illinois States Attorney General has been contacted as well as the Federal Trade Commission. I, the consumer, have a right to correct information on my consumer report and am demanding that this false alleged information is permanently deleted from my consumer report and any public or private database.
Product: Vehicle loan or lease

I moved on XX/XX/2023 and I have tried to get Capital One to change my address in three different ways I put in a change of address and the post office, I send in a payment and changed the address on it and I called and spoked to someone to change my address and have not change my address and I haven't gotten a bill from them but they call me every other day asking for a payment. I only owe XXXX payment which is {$420.00} but they have added another {$200.00} for some reason. I have never ever paid a half payment. I get a bill every month but haven't gotten one since XXXX, I tried to get information online that Capital One said they had on me and the little information I seen is incorrect.
Product: Mortgage

My mortgage was paid off following the sale of my home in XX/XX/2023. I had an escrow overage of {$1400.00}. I was issued a check in XXXX. My bank returned this check for insufficient funds//declined payment from the check issuer Nationstar Mortgage dba Mr. Cooper. I have attempted to contact Mr. Cooper several times to get this corrected, but can not get a reissued check sent to me. It is now XXXX.
Product: Debt collection

Excessive phone calls in violation of Fair Debt Collection Practices Act. Ive received XXXX phone calls in the past XXXX  days. Including XXXX instance of XXXX phone calls in XXXX day and XXXX phone calls on another day. Messages left on my voice mail reveal private information about the debt.
Product: Credit reporting or other personal consumer reports

I have been trying to reach out to Experian about an account on my report and submit proof that this company has not responded to clarify this information reported. I have disputed this account for inaccurate info in numerous occasions without it being investigated at all. Also there is a social security number that does not belong to me on my Experian account. There is also a hard inquiry for a loan that I am currently paying on and up to date on with my Experian account. I would like for this information to be corrected because my credit has been negativity impacted thanks to Experian. I really would like my information removed from their website all together. There are names that are not mine on my Experian report. I have made myself aware with some credit laws and Experian is not following federal laws when it comes to the fair reporting act.
Product: Student loan

I have 5 private student loans and 2 federal student loans with Navient. I have been repaying the loans for 7 years now, and have not missed any payments, although it has been a financial struggle and I have not able to move ahead. The original amount of the 5 private loans that I have taken out were : {$15000.00} ; {$15000.00} ; XXXX ; XXXX ; and XXXX. The amounts that are owed on these loans after 7 years of repayment are {$16000.00} ; XXXX ; XXXX ; XXXX ; and XXXX. The 2 federal loans are XXXX and XXXX. Amounts now owed on these are XXXX and XXXX. 

After 7 years of paying these loans, they have not gone down, but up!! I called Navient 2 times about this but they did not respond back to me with any reason. Why would this continue to go up in amount due?? This does not seem right at all. How and why would this happen? Please help because Navient sure is n't. Should I consider getting a lawyer to help me with this?
Product: Credit reporting or other personal consumer reports

I was sent a letter by XXXX XXXX XXXX on XX/XX/year> that I had a remainder debt after I opted out of renewing the lease with them, the letter said they were willing to do a settlement if I paid 80 % of the total which was XXXX. That amount was paid on XX/XX/XXXX of 2024 which I have a confirmation number for. Since then each month they have me as delinquent going as far as sending it to a collection agency and marking it as pay-off. I have contacted them 3 times, the second time I got another confirmation number and last time I asked for a letter confirming the payment was settled which I got. I have disputed it with Experian 3 times but it always comes as ( verified/updated ) but the debt is still there, the 4 month of delay are still there taking my credit score from high XXXX 's to a low XXXX. XXXX says the report to credit agencies every 30 days but it still shows I'm delinquent, Experian doesn't seem to want to remove that delinquency and update my credit score. I don't know what else to do.
Product: Debt collection

I recently received a copy of my credit report and I noticed that this company is reporting negative illegally re-aged information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I have been active on a family plan with XXXX since XX/XX/XXXX however this company has reported as of XX/XX/XXXX that I owe them via XXXX money which is impossible or an account they reaged illegally. I am requesting validation of this debt. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. As well as when the account was closed and bought by this company.
Product: Debt collection

Comenity has called me 8 times s In 6 hours this morning. XXXX XXXX has called me 5 times in 6 hours. Its ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a description of the indecent taken straight from case summary Throughout the document I am of course referred to as the " Plaintiff XXXX XXXX '' : Plaintiff, XXXX XXXX lived in his home as his primary residence for more than 25 years. XXXX had paid all loans and therefore owned 100 % equity in his home. XXXX discovered, sometime after the fact, that a Deed of Trust had been executed granting XXXX real property in trust to XXXX XXXX XXXX or its predecessor in interest with the power of sale in the event of a default of said promissory note for {$700000.00}. The lender was named as the beneficiary in the Deed of Trust Upon discovering that an unauthorized note and Deed of Trust had been fraudulently executed, XXXX notified the servicer of the loan, that he, XXXX was in fact the homeowner, but was not in fact, the borrower. XXXX identity had been stolen and therefore the person posing to be the homeowner was in fact an imposter. Homeowner informed the broker, lender and servicer that the alleged loan, the Promissory Note and Deed of Trust were in fact the product of fraud and Identity theft and are therefore void. Notwithstanding, the notice from Plaintiff, the lender continued to take actions to effect a non-judicial foreclosure of Plaintiffs home. The lender and its servicer took no action to file a suspicious activity report XXXX with the XXXXppropriate administrative authority. The lender and servicer instead caused a Notice of Default NOD to be recorded against the Homeowners property on or about XX/XX/XXXX, XXXX Thereafter, Plaintiff filed the instant suit based on information and belief that the imposter fraudulently posed as Plaintiff, XXXX. Also named is the individuals attorney, the lender, the servicer, the broker, the originator, the escrow officer the escrow company, the Trustee and the Notary Public used to notarize the fraudulent signatures.
Product: Credit reporting or other personal consumer reports

Credit score with all 3 credit bureaus experian XXXX, XXXX XXXX, XXXX XXXX. My problem lies with Experian. Its been XXXX and has not moved in a long time. My account has zero collections to credit cards 7 % usage and that is it. I dont understand why my credit score with experian is still at XXXX and has not moved in months XXXX is at XXXX but thats cause it went down XXXX points due to usage of credit card but Experian hasnt gone up. It hasnt gone down. It hasnt moved what I can do to help my credit score considering I have no Collections and only two credit card accounts why my credit score isnt getting better. They keep saying higher illegal credit professional Ive been there done that Ive cleared up my credit tremendously. They refuse to help me.
Product: Debt collection

Im writing to the FTC in response to continued attempt by XXXX XXXX XXXX XXXX trying to collect a {$220.00} debt from me since XXXX through Sunrise credit collection agency, account number XXXX. This debt has been reported to the three credit reporting agencies and has been and has negatively affected my credit worthiness. This has also caused me a great deal of financial stress. I have repeatedly disputed this debt with all three credit reporting agencies, at some point it was removed from my credit report and just recently XXXX it was placed back on my XXXX credit report and has decreased my credit score once again. I have again disputed this debt and asked for the appropriate verification of this debt from the debXXXX collector XXXX XXXX XXXX and XXXX. 

This account was generated in error on XX/XX/XXXX, during this time I went into the XXXX XXXX XXXX XXXX XXXX and attempted to transfer services on my wireless phone from XXXX to XXXX XXXX XXXX. At that time the representative tried to set up service on my old phone with phone number XXXX and was unable to. I then, had to change my phone and phone number on this date. I currently have a current account with XXXX XXXX XXXX via XXXX XXXX that is current. The account that Im writing about was not cancelled by the representative on the date that I opened the new account and therefore generated a bill that XXXX XXXX XXXX sent to collections. 

I have also made multiple calls to XXXX XXXX XXXX customer support and fraud department and received no results. I received a letter from the XXXX XXXX XXXX XXXX department stating that I owed the debt with no verification on how they came to that conclusion. 

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ and spoke to a supervisor named XXXX XXXX and she made several calls to their customer retention and fraud department to get them to resolve this issue and was unable to. XXXX XXXX XXXX told both myself and the supervisor XXXX at the store that theyre unable to provide information or make any changes on the account without a passcode that was provided when the account was setup. I do not know any passcode that was setup on this account. However, she told me that the account was an error but for some unknown reason, she was unable to get a printout for me to provide to the collection agency. At that time she also spoke to a representative at Sunrise collection agency and asked him to resolve the account. The representative asked me to call Sunrise credit on Tuesday XXXX, XXXX to see if my account was updated. I called Sunrise credit collections back on Wednesday, XX/XX/XXXX and spoke to XXXX XXXX who reluctantly notified me that he will send out an verification of debt to XXXX XXXX XXXX. 

At this time, this debt has prevented me from obtaining financial investments and is putting financial strain on me and my family. I desperately am asking for assistance in resolving this small but complex debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello about 2 months ago I tried to refinance my car but the lender was unable to pull my equifax report .it also happened at a loan company. I called equifax customer service and asked them tell problem .they want dl front and back and ss card which I copied and sent to the address they provided. It's been over a month no response and no release of my file .I need access to my file every lender I use uses them .I called again but it wasn't resolved .I 'm XXXX and XXXX and it's wearing me out .please help me Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complain again 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 to appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I first wrote to Experian regarding items on my credit ( see attached certified receipts attached and proof of writing ). On XX/XX/2020, 3 different dispute results were mailed but nothing was completed as Experian stated. The only thing the results showed was 1 pending result, but no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent another dispute result but again, nothing was completed. All it showed was a pending transaction with no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent dispute results stating the dispute was completed but it wasn't, all it stated was 1 account being updated. 

On XX/XX/2020, Experian sent a letter stating the dispute was completed, which again it wasn't, the only thing it stated was 1 account remaining and 4 other accounts pending, so again, no dispute completed or information proving the accounts are mine. On XX/XX/2020, Experian sent 2 more dispute results stating the dispute was completed but again, it wasn't complete. The only thing it stated was accounts being updated and 1 account deleted after I asked Experian to verify the accounts were mine, in which they failed to do. 

On XX/XX/2020 ( dated XX/XX/2020 ), I mailed a method of verification letter asking to again ( because it was after 30 days ), to show me verifiable proof with my signature on it in which they failed to do and to send me a descriptive procedure of the method used to verify accounts and to delete the accounts if they couldn't verify it was mine in which they failed to do so ( see proof of letter and Express mail receipt with signature showing letter was received ). Still, Experian failed to provide adequate proof verifying the accounts belong to me other than sending a updated credit report. Experian has also failed to respond in 30 days with a completed and thorough investigation upon request. On XX/XX/2020, I wrote Experian demanding to see verifiable proof with the original contract because I have not yet seen proof of any of the requested information I initially asked for XX/XX/2020 which is very unprofessional ( see attached ). 

Experian sent a final letter stating they will no longer reinvestigate my information, but Experian has not only failed to respond TO ALL the disputed items within 30 days, but also failed to respond verifying the accounts belong to me as requested.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint regarding Ford Motor Credit Companys continued failure to verify an alleged debt of {$11000.00} reported on my credit report. Despite multiple notices and disputes, Ford Motor Credit Company has not provided sufficient documentation to substantiate this debt as mine. Additionally, I have been receiving communications from third-party debt collectors regarding this alleged account, further compounding my distress and raising concerns about compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Key Issues and Violations Failure to Verify the Alleged Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, debt collectors and original creditors are required to verify debts when disputed. Ford Motor Credit Company has failed to produce the necessary documentation to validate the debt, such as the original contract or proof of my responsibility for this alleged account. 
Inaccurate and Harmful Credit Reporting The alleged debt remains on my credit report despite being disputed, marked as charged off with a reported balance of {$11000.00}. This inaccurate reporting violates the FCRA ( 15 U.S.C. 1681s-2 ), which requires furnishers to ensure the accuracy and integrity of information reported to consumer reporting agencies.

The continued reporting of this alleged debt without verification has negatively impacted my creditworthiness, limiting my ability to secure financial opportunities.

Involvement of Third-Party Debt Collectors Notices from third-party debt collectors regarding this alleged debt have created further confusion. If Ford Motor Credit Company has transferred or sold the debt, their continued reporting and involvement raise concerns about double collection efforts, which violate 15 U.S.C. 1692j by misrepresenting ownership of the debt.

Lack of Documentation and Transparency Ford Motor Credit Company has failed to provide essential details regarding the alleged debt, such as the accounts terms, history, and proof of responsibility. Without such evidence, I can not reasonably determine whether this debt is legitimate. 
Legal and Logical Inconsistencies To illustrate the flaws in Ford Motor Credit Companys actions : If an individual lends {$50.00} to someone, and that person gives the money to a third party, does the lender retain the right to pursue repayment from the third party? Of course not. Similarly, if Ford Motor Credit Company transferred or sold this alleged debt, their ongoing reporting and collection activities lack legal and logical standing.