23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am trying to be proactive on my credit report since this is affecting my score heavily. I have a Secured Credit Card, and a previous College Credit Card with Wells Fargo. 

I closed my college credit card back in XX/XX/XXXX. I had that account deferred for payments since I was paying for college and could not maintain the payments. I communicated with Wells Fargo Card Services that I would not be able to make payments. I was told that my account would be noted and not assessed any late fees or notes on my account. 

According to XXXX and XXXX, and Wells Fargo Credit Card Services ; I have not had late payments as I communicated with WF that I was going through financial issues with paying for school. And I did not have any late payments. I have contacted Wells Fargo XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called requesting written information from them stating that I was not late on any payment. Of course the agents that were assisting did not fulfill their promise of reaching out back to me. 

For this I am contacting the CFPB, I am requesting that the XXXX day be removed from my account since it is affecting my score indefinitely. I would kindly ask this of you. Furthermore I am requesting the creditor, Wells Fargo, to remove any late fees or remove this account from my credit file. In addition, I am given pushback that they cant find my closed checking account and am rerouted at least XXXX times every call. It is frustrating and wasting both our times. Thank you.
Product: Debt collection

Called from XXXX. Announced himself as XXXX XXXX, an officer of Direct Capital. Says hes calling about a legal claim his office will soon file against my social security number. He wants to speak with either me or my counsel, in order to obtain a statement of intent for repayment. Says, this is a time sensitive matter ; in order for this to not go into a legal setting, they need to hear from me by close of business tomorrow. If they dont hear from me, a decision will be rendered and all rights forfeited. Gave an office number of XXXX. Called back repeatedly after being asked to discontinue calling, became profane and threatened to sue me and that " he would not go away ''
Product: Money transfers

This website claimed to be selling XXXX ( XXXX ). They requested a money gram transfer but never delivered the puppy.
Product: Vehicle loan or lease

Hi AMERICREDIT/GM FINANCIAL ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) 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. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts. ( TransUnion/XXXX  XXXX XXXX XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX
Product: Debt collection

I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX. 

I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional.
Product: Debt collection

They are calling me at work after telling them repeatedly I am not allowed personal calls at work/
Product: Debt collection

Back in 2008 I worked for a mortgage company and had numerous employees. What I did not realize was that XXXX of the employees had a XXXX problem. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. 
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. 

I have been contacted by ADS to collect a debt for XXXX XXXX and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is pregnant, my granddaughter is only XXXX. My son works for the country prosecutors office They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. 

XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. 

Please let me know what I can do to have this stopped. 

XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX.
Product: Mortgage

We requested a loan modification last year XX/XX/XXXX from Ocwen, in XX/XX/XXXX, when we completed the trial modification they stated they sent a form for us to sign and return, which we did not receive until after the date Ocwen had set for the deadline to return it. So the modification process was restarted but Ocwen transferred our loan to PHH. We made the trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and returned the required documentation by the deadline. We still have not received as of today any notification if it was approved. We made all payments through the website via XXXX XXXX throughout the trial process or on the phone. We have tried numerous times to make our XX/XX/XXXX payment the same way and the customer service representative states its not possible because our modification has not been approved yet. Finally on XX/XX/XXXX the website shows our suspense payments as applied, however first they shows applied to the principal, then reversed and in multiple transactions applied as {$990.00} in misc fees. The customer service representative finally says the modification was approved XX/XX/XXXX, but they don't know why we are not allowed to make our payments through XXXX XXXX as we always have done. We have had problems for years starting with GMAC and Ocwen, now PHH. We bought our home in XX/XX/XXXX for {$180000.00} now 15 years of payments later the principal balance is over {$200000.00} depending what documentation the mortgage company sends and a {$130000.00} balloon payment after we pay another 15 years! Not mention all the shuffling the mortgage companies and servicer 's have done over the years with bundling our mortgage in the trusts, we know and have proof that NO ONE COMPANY EVEN HAS LEGAL DOCUMENTATION or RIGHTS TO FORECLOSE! Every time we ask for Qualified Written Request they send a new falsified Corporate Assignment of Mortgage, the most recent is signed by XXXX XXXX XXXX, as the Assistant Vice President of XXXX XXXX  XXXX, who is actually a attorney whose license was suspended by the Supreme Court of Pennsylvania in XX/XX/XXXX, and has a Law office in XXXX, Florida but is not eligible to practice law in Florida according to the Bar Association.  Evidently he has continued his unethical practices by starting a side business of falsifying mortgage documents. We need someone that has some sense of ethics to help us out of this mess that has been made of the mortgage of our home through years and years of deceit by mortgage companies, servicer 's, attorneys. Today, now that our current servicer ( PHH ) has refused to accept our payment for XX/XX/XXXX by phone or XXXX XXXX, which is they way we have always paid, and state they now want us to mail a check so they can post it whenever, if ever, they decide to say it was received which now will be late, only because they " have not updated their system on the on modification approval. '' And all the funds we paid during the modification process were posted as misc fees rather than any money towards our principal.
Product: Credit reporting or other personal consumer reports

Motion to Withdraw and Status conference on Dismissals Inbox XXXX XXXXXXXX XXXX Attachments XX/XX/2021, XXXX to me The court has set the Motions to dismiss for a status conference on XX/XX/2021. I have attached a copy of our Motion to withdraw and the notice of hearing to this email. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXXXXXX XXXX You filed your own motions to dismiss in the lawsuit and the XXXX XXXX  bankruptcy. The Court has set those motions for hearing on XX/XX/2021 at XXXXXXXX XXXX. You need to attend that hearing. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXX I AM DISPUTING THIS BANKRUPSTY THROUGH XXXX EXPERIAN XXXX THERE IS ERRORS AND IT WAS DISMISSED NEVER WENT THROUGH WITH THIS DELETE THIS IS A EMAIL FROM MY LAWYER
Product: Credit reporting or other personal consumer reports

This will make the 3rd time asking XXXX XXXX and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders XXXX XXXX XXXX XXXX/ XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX CXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Inquire : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

I paid Capital One credit card services on XX/XX/2018. I have 2 credit cards with the company. I paid the payment through the on-line payment method. The payments went through but then my bank returned the payments which were {$100.00} to the card ending in XXXX and {$180.00} with the card ending in XXXX. I called my bank to verify my funds and they said it was an error on their part. I then called Capital One on XX/XX/2018 and made a phone payment with the representative. I had verified that I had enough in my account before I made this call. The representative took both payments over the phone. I then found out that he switched the payments and placed them on the wrong cards. Then, Capital One took out an additional {$100.00} when I did not authorize the payment once I called and had the phone payments already taken out. 

This made my bank account go haywire! Now it looks as if I had not made the payments. The funds were available and that is why I made sure that when I called that they were applied to my credit cards. When I called to see what was the problem the representative said she had to verify my account. I told her that I did not need to verify my account because it is the account that I have been using and it is a viable account. My card that ends in XXXX is now over the limit {$380.00} which is absolutely absurd!!! It is not my fault that Capital One took out too many payments that were not authorized! I am tired of going back and forth with Capital One. I am sure other customers have the constant problems that I have. I think that I will begin some sort of boycott with Capital One and their wayward practices!!!! Also in the near future, the representatives and supervisors need more training on how to approach someone that is upset about their account!!
Product: Credit reporting or other personal consumer reports

I submitted letters in XX/XX/2024 and XX/XX/2024 to request corrections in my name, mailable address and ex-employers. As of today, information still remains incorrect in my credit report files. 
My correct name is : XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX I wish to have my ex-employers removed And... I do not wish to include my current temporary employer.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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: Debt collection

I never gave The CBE Group my direct consent to communicate with me. I received a petition for an alleged debt from them in the amount of {$3100.00}. They list the Internal Revenue Service as a Creditor. I never give out my private dwelling address. I was VERY disturbed when I received something in the mail from an unknown company that I have NEVER done business with. I called the company and I am in possession of the recording where representatives from The CBE Group had access to my private personal information including my social security number. When I responded to the mail they sent me I received one communication where they stated they did not have an account for me but then received two other letters where they stated they were returning an account they referred to " your account '' back to the Internal Revenue Service. It is VERY upsetting and stressful that my information is being transferred without my consent to people I am not giving my direct consent to. I have proof of all documents received from the company and my responses to them along with copies of electronic receipts and tracking numbers from the USPS. I also have two call recordings as well. My information has been breached. The CBE Group also committed mail fraud by sending me nonmailable matters through the mail. I am sick of the deception and false and misleading communications. 

The CBE Group is willfully in violation of 15 U.S. Code 1692j ( a ) " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. '' The CBE Group 's response to my last complaint about attempting to collect a debt mentioned, " Our records indicate the account was returned to our client on XX/XX/2021 and is no longer being handled by CBE. Sincerely, XXXX XXXX CBE Compliance ''. This is yet another violation I never gave my direct consent for my private information to be sent to anyone. I am aware that The CBE Group has access to my social security number and private information. Returning MY information to a client constitutes identity theft. My permission was never given. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I find the language in every correspondence I received from the company obscene and profane. Every word that I have read and also the conversations I have had with representatives from the company. It is upsetting being harassed and petitioned for a debt when the United States is in Bankruptcy. Too much of my precious time and energy has been wasted dealing with this debt collection company.
Product: Vehicle loan or lease

Nissan XXXX  have not closed my account after I returned car with no balance. My account is supposed to be closed but still stands with an open balance for {$630.00} car was returned XX/XX/2017. With XXXX balance they also tried to convince me to take another car. I pray for a resolution.
Product: Credit reporting or other personal consumer reports

DataVerify, a self described single-source platform for " data verification, fraud prevention, and compliance assistance '' is inaccurately reporting 5 foreclosures on a consumer report that was used by my mortgage lender to deny my loans. 

I have never owned any property in the State of Florida, I have never had a foreclosure in my life as alleged by DataVerify 's willful inaccurate reporting. 

As a result of DataVerify 's continued inaccurate and negative reporting, I have suffered actual damages, including without limitation invasion of privacy, out-of-pocket expenses in challenging Dataverify 's knowing, willful and intentional inaccurate reporting.

Dataverify fails to provide information for the average consumer to dispute these inaccurate and negative Consumer Report, as defined by 15 U.S.C. 1681a ( d ) ( 1 ), impacts a consumers eligibility for : A. credit or insurance to be used primarily for personal, family, or household purposes ; B. employment purposes ; or C. any other purpose authorized under section 1681b.

As a result, the information held within a consumer report impacts not only a consumers credit worthiness, rating, and capacity, but also the character, general reputation, and personal characteristics of the consumer.

Evidenced by DataVerifys failures to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates as required by and in violation of 15 U.S.C. 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts not known to me or FTC violations : XXXX XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated on XX/XX/XXXX Contact XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXXXXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX  ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXXXXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC
Product: Mortgage

XXXX XXXX sold my mortgage to New Rez LLC. on XX/XX/XXXX. XXXX XXXX refuses to send a letter of acceptance and a statement on my mortgage which is due on XX/XX/XXXX. When I called them to inquire on a letter and statement they just reply that my post man is a thief and he stealing the statements. Never had any issues with the XXXX man in 18 years. I never missed a payment or was late with a payment. I believe that this company wants me to miss payments because their main income stream is a debt collection agency.