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

Transunion continues to furnish unauthorized fraudulent inaccurate inconsistent accounts on my Consumer Report. US Department of education accounts begin 5 years ago in Collections and go to OK recently following previous DISPUTES for Deletion of Inaccurate Private Adverse Information. 

DEPARTMENT OF Education Account # s # XXXX & # XXXX Shows multiple inaccurate incomplete inconsistent and excluded Private information FCRA Violations
Product: Credit card or prepaid card

I have attempted to reach out to Wells Fargo on several occasions over the past month to resolve issues with my account. Each time I contacted Wells Fargo I had to provide/answer many identifiying questions including and not limited to social security number, date of birth, address, telephone numbers, work number, credit card number, credit secuirty code. I made Wells Fargo aware that I can not remeber any verbal password I provided and want this feature removed from my account since I do not recall giving a verbal password and do not want to use this feature ... To date Wells Fargo has refused to take any calls and allow me to use the account. 

Wells Fargo has refused to remove or allow me to change the verbal password and refusing to resolve the verbal password issue thus delaying use of my account. 

I believe Wells Fargo engaging in this deceptive discrimintory practice to avoid allowing customer to negoiate payments during the pandemic. I want the CFPB to enact and pass laws that allows consumer to opt out of using verbal passwords and prevent Wells Fargo from using this feature to block consumer from using and accessing account information.
Product: Mortgage

I would like further assistance in the case XXXX. 

I am reaching out to the Consumer Financial Protection Bureau to intervene in this matter because it is grossly unfair to me as a consumer. This situation appears to involve fraudulent actions based on unsubstantiated allegations by a large corporation. 

I recently received a response from US Bank regarding their intention to charge me for insurance that XXXX claims they did not provide, despite receiving payment from me for coverage from XX/XX/XXXX to XX/XX/XXXX. XXXX insists they returned the payment to me but have provided no evidence of this, which is confusing and frustrating. It seems like I'm being exploited or deceived, to put it mildly, by being charged for insurance I assumed I had. I never received any reimbursement from XXXX, nor was I informed of any lapse in coverage. US Bank failed to ensure that their interest in my property was adequately covered, as outlined in the mortgage agreement I signed. This situation is not my fault, and I shouldn't be expected to pay thousands of dollars to US Bank for insurance that should have been in place. I've reached out to several insurance companies, and the consensus seems to be that the mortgage company is attempting to profit off me because you can't insure property retroactively.
Product: Debt collection

This complaint is in reference to previous complaint XXXX. Security Collection Agency is in violation of multiple FDCPA violations and I demand to be compensated for each violation which I have attached with proof. Simply deleting this unvalidated debt which is a violation of 15 USC 1692g from all consumer reports is not enough for all the pain and shame this has caused me. My credit reputation has been impacted tremendously and this has stopped me from obtaining credit that I should have otherwise been approved for. This matter has also caused tremendous shame as this company furnished this unvalidated debt to consumer reporting agencies essentially making this private matter public and broadcasting it to the public. I am expecting to compensated by check to remedy this matter as well as this unvalidated debt being removed from all consumer reporting agencies expeditiously.
Product: Debt collection

On or about XX/XX/XXXX, I disputed and requested a written accounting of my mortgage payment from Ocwen Loan Servicing LLC. I did not receive said request however Ocwen did cause a Notice of Default to be filed against my home. I subsequently had to file Bankruptcy Chapter XXXX, which stayed the foreclosure proceedings, and Ocwen received 5 plus years of mortgage payment. On or about XX/XX/XXXX, Ocwen filed another Notice of Default against my home - claiming at least 10 different alleged amounts of money owed them when I contacted Ocwen to again request written accounting I was told " You're a loser ... you'll get kick out of your house ''. During the last 8 years Ocwen has threatened, harrassed, and has used unlawful tactics ( wrongful foreclosure ) against me to collect wrong amount of monies owed. I currently have a Trustee Sale date  scheduled of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is displaying the following incorrect information ( late payments ) for the months of XXXX XXXX and XXXX XXXX XXXX. I have attached documents as supporting evidence : payment receipts for XXXX XXXX XX/XX/XXXX and proof that I was covered under forbearance for the months of XXXX XXXX XXXX via documents from the CARES Act legislation along with emails from XXXX themselves that show that I was covered under forbearance on their end as well. The late payments from XXXX shouldnt be on there as I made all my payments on time that year as well. In fact, these payments werent even being reported on my credit report as of a few months ago as you can see when comparing my Equifax credit report as of a few months ago vs as of today, meaning they were somehow added randomly sometime in the past few months ; before then there were no late payments being reported for the entirety of XXXX. Also, I attached my XXXX credit report and as you can see it doesnt report any late payments for the entirety of my payment history with XXXX XXXX due to the fact that XXXX is correctly reporting my payment history. In addition, I attached emails showing that I got paid out on a class action lawsuit from XXXX for these very reasons : XXXX system had been reporting incorrect information not only on my credit report, but for many other customers of theirs as well. I have been working on getting these issues resolved with Equifax and have sent them supporting documents as evidence but I dont know if they have even reviewed them because I havent seen any updates yet and its been months and months now that Ive been waiting so that is why I am now reaching out to the CFPB for assistance on this matter as it has greatly affected my ability to apply for credit, its affected my credit score, etc. 
I attached my State ID for proof of identity & proof of address and a bill as a secondary proof of address. If you have any further questions or need any other information, please feel free to reach me via email at : XXXX Thank you Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Opened a CareCredit card in 2019. For almost 3 years I have been paying up to {$300.00} in 2 payments to Care Credit a month. My balance increases every month, has went over the limit, and I could not figure out why I wasn't getting anywhere despite not charging anything to that card in almost 3 years. ( Yes, I understand that there is a monthly interest charge but it is under {$130.00} a month ). I noticed an additional monthly charge ranging from XXXX XXXXXXXX which I thought was going towards my bill ( Synchrony on my bank statement ). Upon further investigation this week I found that this is a " XXXX XXXX '' benefit ( in the event I am unable to pay my bill ) that they say I authorized when I signed up for the card. I know that I would not knowingly agree to this amount of an extra payment not going towards my bill. I am younger and have a very stable job as a nurse. While I don't remember the specific small details about that application, as a consumer I feel like this process is deceitful and predatory. 

" XXXX XXXX '' has agreed to refund this money however I am unable to see bills prior to 12 months ago. This additional charge is listed on my CareCredit bill yet CareCredit states they can not help me with these matters because " XXXX XXXX '' is a different department. I am unable to access any payment history for " XXXX XXXX '' through their website but the last 12 payments of " XXXX XXXX XXXX '' shows up on my CareCredit App around the 10th of every month, in addition to the CareCredit payment of XXXX XXXXXXXX I pay on the 2nd every month. All of this is very shady to me as a consumer and I wonder how many other people are unaware of this charge or possibly overwhelmed by the difficulty in getting to the bottom of this " extra charge. '' XXXX XXXXXXXX could be a week of groceries for someone trying to make ends meet.
Product: Mortgage

Good day, My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX, Ohio in XXXX XXXX. My Mr. Cooper / NationStar loan number is XXXX. I was awarded {$10000.00} from XXXX XXXX  XXXX Ohio to bring my mortgage currrent and pay my mortgage for 6 months, from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, Mr. Cooper / Nationstar did not accept the funds before I completed my trial modification, resulting in an increase to the principal of my loan, and an extension to my payments. I have contacted Mr. Cooper / Nationstar, several times, and no one can explain what is going on. Save the XXXX Ohio keeps saying that Mr. Cooper / Nationstar will not accept the funds. This is a FHA mortgage loan, so they should have accepted the federal funds. It seems like Mr. Cooper / Nationstar is trying to force my home into foreclosure. I am also a claimant in one of the class action lawsuits against Nationstar that they keep appealing, and delaying compensation for the wronged customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three, Transunion was the most responsive. Transunion began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock XXXX and XXXX credit reports. I'm still unable to successfully use TransUnion XXXX through the XXXX XXXX XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my TransUnion credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they XXXX and TransUnion included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$960.00}
Product: Vehicle loan or lease

XX/XX/2023 : I called Navy Federal Credit Union to requesting my XXXX  Benefits for XXXX separate auto loan accounts I have open with their financial institution. I am entitled to these benefits as I am an actively XXXX service member. I completed the application to request XXXX benefits, provided my orders, and requested backpay up to the beginning of my orders as well, as I had been on orders for XXXX years at this point receiving no SCRA benefits. I submitted any documents needed to navy federal and received a confirmation stating it was received. 

XX/XX/2023 : After a long waiting process and no calls, emails, or mail. I call Navy Federal again and to check on the status of my application, they then informed me that the application was denied but were unable to give any reasoning. After requesting a supervisor, I was scheduled for a call back. On that call I was informed that my application was denied for not stating the word " Texas '' on the application. But I was welcome to reapply with the proper wording " requesting Texas state XXXX benefits. '' XX/XX/2023 : After resubmitting the application with the requesting wording, I was then informed that I would have to wait another XXXX to 60 days for my application to be reviewed. 

XX/XX/2023 : Still no calls, text, emails, or mail. I decided to call navy federal, still no update on the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly written to Experian about concerns I still have with their " investigations ''. For at least 9 months I have disputed an address which I have no connection with. Yet it remains. For the same amount of time I have disputed the derogatory remarks they have listed from the Credit Card companies and XXXX. In the case of XXXX I have sent Experian documentation that the information they have on my Credit Report is incorrect. XXXX states on my Experian report that I paid a bill while in collection. I sent Experian proof of the Final Bill and proof of my payment when I switched to XXXX. I also sent them documentation that the amount XXXX alleged I owed when I came out of Bankruptcy was paid by XX/XX/2019. I came out of Bankruptcy XXXX, 2019. Yet Experian continues to report that I was in collection XXXX and XXXX. Also had Experian done any " investigation '' they would have seen that XXXX never sent me a Validation Notice. According to the FDCPA a Collection Agency has to notify in writing when an account has been entered into collection. I was never notified by XXXX or any of their representatives of any Collection Activity. Yet Experian continues to report this inaccurate information as accurate. It appears that although Experian requests documentation no one actually looks at it or actually investigates the claim that is made by the consumer ( more than one person has had the same experience with Experian ). I sent the XXXX documentation twice and sent documentation on XXXX and XXXX once.
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all 3 bureaus.

I am writing to dispute the following information that appears on my XXXX, Experian, XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX  with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX XXXXXXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar has lied to the CFPB and XXXX credit rating agencies about the status of my account. Nationstar states that my account was late. On two occasions Nationstar incorrectly handled my homeowner 's insurance policy resulting in errors in calculating my escrow account which resulted in changes to my mortgage payment amounts. Given that I automatically pay my mortgage through my checking account Nationstar 's mortgage payments are paid in time. 

However, Nationstar has created a statement that was never sent to me that states they notified me of the error in their account. On the first occasion in XXXX  Nationstar paid from escrow a duplicate payment for one home hazard policy. This occurred again in XXXX after repeated calls and notifications from me that I had paid the insurance policy in full directly with the insurance company. 

CFPB nor Experian have adequately investigated the fraud and lies at Nationstar. I am enclosing additional documentation from my account that shows the duplicate payments and if CFPB would like to see the malfeasance at Nationstar I would suggest a more comprehensive investigation into how Nationstar is using inaccurate escrow calculations and false statements to steal money from homeowners and lock homeowners into high fee mortgages through fake credit reporting in collaboration with XXXX and potentially other credit rating agencies for a fee. 

This is abhorrent in intolerable and should not be allowed by CFPB to continue. Now that we are in a pandemic crisis a financial disaster will be exploited by firms like Nationstar and XXXX. XXXX   and Nationstar will contribute to the longest financial failure in this country as the true business practices are uncovered in this pandemic crisis and CFPB has a role to play to address and uncover the fraudulent business practices of these two firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ALERTED CRA THAT I HAVE REQUESTED VALIDATION FROM COLLECTION AGENCY AND THIS DOES NOT BELONG TO ME. ID WAS LOST AND THIS IS ID THEFT. THEY HAVE NOT VALIDATED ACCOUNT.
Product: Debt collection

I paid a XXXX XXXX loan back in XX/XX/XXXX off. I was told when I contacted the parent company I had to debts. I was unaware of it. I made plans to pay off the XXXX XXXX. The lady informed me of the other one. I explained to her I did not remember that debt from 6 years ago. She told me it was XXXX XXXX. I told her to let me pay for this one. She threatens me with we are just going to report you. I have been receiving the calls of hang-ups from a XXXX area code number three times a day on my cellular phone. On today I got a call from XXXX who attempts to refuse whom and where she was calling from or for. I told her this is apart of the parent company that has the XXXX XXXX loan I paid. XXXX claims they just got the debt. I did not receive a letter or anything for this debt. XXXX claims I open this loan on my Birthday XX/XX/XXXX. I would have remembered a birthday loan. They have my phone number from the threatening company over XXXX XXXX. The call came in from National Credit Bill collector XXXX at XXXX. This is aggressive along with those consistent phone calls on cellular. the FDCPA was been broken.
Product: Credit reporting or other personal consumer reports

Early Warning Services LLC XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 

Bank : XXXX XXXX XXXX XXXX ( opened XX/XX/year> ) Account : XXXX Routing : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During this pandemic crisis, Congress passed many provisions halting payments on loans as well as interest rates. Wells Fargo, N.A. the crooked bank is back at it again with their ambiguous methods. They have been reporting delinquencies on myself and the co -signer 's credit ; including not taking payments posted via Debit card in a timely manner. Regardless of paying my student loan on time before the next consecutive 3mos. forbearance, this bank aims to strangle customers who can't pay rent or buy food enough as it is.
Product: Payday loan, title loan, personal loan, or advance loan

Some one is apply payday loan and approved loan and transfer I dont know because I never apply any kind of loan Money is delivers where and who approved without verify this loan we reported XXXX XXXX  but other than this loan credit bureau reports generated and pop up this loan in my account