23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was divorced and the court made me sign a quit claim deed for the house over to my ex-wife. The VA loan on the house was in both our names. MY wife did not pay the house payments for over 2 years. Foreclosure papers we sent but my ex-wife kept them from foreclosing somehow. She moved out of the house. The bank again sent foreclosure papers. I contacted Wells Fargo to see how I could refinance the VA loan on the house to stop the foreclosure. I was informed by XXXX XXXX ( the sole holder of all the mortage information from Wells Fargo ) that a cease and desist order was placed on the account ( XXXX ) and he could not discuss my loan with me until that was removed. I ask what I could do to remove it. He said send me a letter asking for it to be removed. I faxed it over more than once. After sending this request I was unable to reach XXXX even after multiple phone calls ( leaving messages after each one to call me back ). The fax asked him to call me back. No response. I then tried to talk to anyone at Wells Fargo mortgage department as time was getting very low. Nobody could talk to me as XXXX was the only one I could talk to as the account was assigned to him solely. Eventually the house went to foreclosure and was sold for less than what was owed. I am a XXXX veteran ( XXXX ) I deserved to be able to try to refinance this house. Now I owe more than I can repay. Is this legal? What can I do about this? Thnak you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response
Product: Debt collection

I was informed via mail from a bankruptcy advertisement that a lawsuit was filed against me from CKS Prime Investments , LLC, in the amount of {$1700.00}. I have no legal contract with them for anything, in fact, I have NEVER even spoken to them. They are illegally holding me responsible for a debt I don't have with them. 

I sent a correspondence 30+ days ago, and have not received any response. Attached to this complaint is the letter that was sent to them.
Product: Debt collection

Acct # XXXX Upon investigation, I have retained new copies of my credit reports, they did not furnish the credit bureaus with the required disclosure in 30 days. Original letter dated XX/XX/2016, 2 subsequent letters have been sent. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. In addition, I have requested verification with my signature as required by FDCPA section 807-8 but they keep claiming validation of account. 

I reported them to the BBB and they responded that they reviewed their records and had no record of my XX/XX/2016. I forwarded a copy of the letter and signed return receipt dated XX/XX/2016. They acknowledged my second later and marked my acct as disputed more than 60 days after my initial request and they provided me with no documentation bearing my signature validating the acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

I think 90 days is a more than reasonable amount of time for the credit bureaus to do their research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Equifax XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX  XXXX {$720.00} XXXX XXXX {$240.00} DPT EDXXXX XXXX {$4200.00}
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payments Reported on Select Portfolio Servicing Account To Whom It May Concern, I am writing to formally dispute inaccurate late payments reported on my Select Portfolio Servicing ( SPS ) account, which are currently appearing on my credit report. The late payment information being reported is incorrect and not reflective of my actual payment history. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I request that you immediately investigate this matter and correct the inaccuracies on my credit report. Specifically, I am citing the following laws in support of my dispute : 1. 15 U.S.C. 1666 ( b ) - Fair Credit Billing Act ( FCBA ) This section of the law grants me the right to dispute billing errors, including the inaccurate reporting of late payments. As a consumer, I have the right to dispute errors within 60 days of receiving the billing statement showing the error. In this case, the late payments being reported are not accurate, and I am exercising my right under this law to correct the mistake.

2. 15 U.S.C. 1637 ( b ) - Periodic Statements of Accounts Under this section, creditors are required to provide clear and accurate statements of account activity. The inaccuracies in the reporting of late payments on my XXXX XXXX XXXX account violate this requirement, as the information being provided to the credit bureaus is neither accurate nor consistent with my actual payment activity. 
3. 15 U.S.C. 1681e ( b ) - Fair Credit Reporting Act ( FCRA ) This section of the FCRA mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information included in consumer reports. The inaccurate late payments being reported on my XXXX account violate this provision. As TransUnion has a duty to report only accurate and verifiable information, I am requesting that you immediately verify the accuracy of the information with XXXX XXXX Servicing and update or remove the late payment information accordingly. 
Details of the Account in Dispute : Creditor Name : Select Portfolio Servicing ( SPS ) Account XXXX Disputed Late Payments : XX/XX/XXXX - present Requested Actions : Immediate Investigation : Please conduct a thorough investigation into the inaccurate late payment information reported by Select Portfolio Servicing. 

Correction or Removal of Inaccurate Information : If these late payments can not be verified as accurate, I request that they be removed from my credit report immediately. 
Confirmation of Investigation : Under FCRA 15 U.S.C. 1681i, I request written confirmation of the results of your investigation and any changes made to my credit report within 30 days. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received a postcard from XXXX about a Home Equity Loan. While I was entering information a message came up they were running my credit. I never checked a box to authorize I wanted to complete the application nor have my credit run. I was not applying I was only trying to get information. I tried to stop by pushing the back button and then I got a message from XXXX XXXX stating a new credit inquiry was made on my credit. I never got any confirmation email from Discover and at first thought it was a fraudulent website. I am requesting the credit inquiry be removed from my credit. The Discover representative said all she could do was close out the application. I have been a Discover customer from many years and this totally destroyed any trust I had in this company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

I have a customer the singed up for my content over 8 months ago via a monthly membership. The customer reached out to me In XX/XX/year> and inquired about switching over to an annual subscription. The customer then switched over from a monthly subscription to an annual subscription and reported the switch as Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX This need to be removed I have reported to remove from TransUnion report
Product: Mortgage

Ive been managing multiple mortgage payments since 2017 without having any payment late Since the inception of this loan, Ive had problems with setting up autopay. I called and complained several times about the autopay system not functioning to complete my payment several times You can not make a payment and set up autopay on the same day. You have to make the payment so the account is current, wait for that payment to process and then you can set up autopay I thought auto payment was successfully set up, I had XXXX in XXXX and did not notice that the payment had not processed until XX/XX/XXXX where I made both XXXX and XXXX payments to make the account current Other notes : XXXX - website was down, I could not submit my second letter to request the late payment be removed. 

XXXX submitted another letter Im not asking for the late fee refunded, just the remark removed from my credit report Agent on the phone told me there will be no circumstance where they will remove the late payment
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Money transfer, virtual currency, or money service

My Venmo account was compromised as well as my email. On Sunday, XX/XX/XXXX my account was frozen and I saw an email exchange from someone trying to actively unfreeze my account. I changed all passwords and logged it out of their device. I noticed on Thursday, XX/XX/XXXX that the person who has accessed my account was attempting to change my information. I started to chat with Venmo support and they are refusing to deactivate my account.
Product: Credit reporting or other personal consumer reports

I made a dispute with Equifax numerous times about their misuse and reporting information incorrect on my personal credit report. This is my second attempt going through the CFPB to resolve this issue amicably ( first complaint ID isi XXXX ). Equifax has violated my rights are a consumer under the FCRA. I requested for them to resolve of them violating my rights as a consumer under the FCRA by blocking and delete the items associate with them within 4 DAYS. It has been over 2 weeks and this has not been resolved. I have attached the list of items that must be block and removed.
Product: Vehicle loan or lease

XXXX XXXX Sold Westlake My Information/Contract Without My Knowledge
Product: Checking or savings account

Citibank sent me a letter dated XX/XX/23 saying that they closed my checking account. The letter just says I should get my balance in XXXX days. 

Ive gone into several Citibank locations trying to get an approximate date of when theyll mail me my checking account balance of {$100000.00} I got your agencys information from the California attorney general when I sent a complaint there. Seems they dont generally handle these types of complaints.
Product: Debt collection

I am writing a complaint involving an incident of identity theft that involves Midland Credit Management. As per the Fair Debt Collection Practices Act ( FDCPA ) section 1692g, I requested validation of an alleged debt from Midland Credit Management on XX/XX/XXXX. Despite providing them with opportunity and a grace period of 30 days to comply, they failed to fulfill their legal obligation. 
On XX/XX/XXXX, I initially contacted Midland Credit Management to request validation of the alleged debt, pursuant to my rights under the FDCPA. Subsequently, after waiting the grace period of 30 days I got no answer from Midland Credit Management. 
On XX/XX/XXXX I sent Midland Credit Management a cease and desist letter refusing to pay this alleged debt. In this communication I warned Midland Credit Management that having access to my private information and furnishing false reports in all major CRAs is a violation of the FCRA of 15 U.S. Code 1681 q as well 18 U.S. Code 1028A that holds them criminally liable. 
On XX/XX/XXXX I finally received communication from Midland Credit Management. 
This communication was made via mail and the letter was dated XX/XX/XXXX. 
However, instead of validating the alleged debt as mandated by law, Midland Credit Management merely verified my own information and the information of the original creditor. This incomplete response does not fulfill their obligation to validate the alleged debt. 
On XX/XX/XXXX I reported Midland Credit Management to the FTC for identity theft. 
It is important to note that by failing to validate the alleged debt, Midland Credit Management is not only violating the FDCPA section 1692g but is also potentially in violation of other pertinent laws such as 15 U.S. Code 1681 q ( Fair Credit Reporting Act ) and 18 U.S. Code 1028A ( Identity Theft and Assumption Deterrence Act of 1998 ).

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Midland Credit Management for their failure to comply with federal consumer protection laws.
Product: Credit card

On XXXX XXXX, XXXX, I made a purchase, with my Macy 's card in the amount of {$16.00}. I went home and did n't think about it. The holidays came and went and, on XXXX XXXX, XXXX, I received a letter from Macy 's ( no date ) saying that they had been unable to reach me for some time and alluding to me experiencing financial difficulties. I contacted the number on the letter ( XXXX ). However, the representative could n't access my account using my telephone number ( home or cell ). It was then I found out that Macy 's had incorrect telephone numbers for my account. The representative could n't divulge the numbers on file, but did tell me that they were not even in the same area code. I have had my home number and my cell phone number since XX/XX/XXXX, so I am confused as to why there were different numbers associated with my Macy 's account. It also appears that Macy 's did not have my email address on file. I was then told that I had an outstanding balance on my Macy 's card in the amount of {$140.00}. The representative could n't tell me what the purchase was for ( I did n't remember spending over {$100.00} at Macy 's recently ), but did tell me that it was for a purchase made in XX/XX/XXXX. I searched my receipts and found the one showing the {$16.00} purchase. Macy 's add added {$130.00} in late charges and fees onto my original {$16.00} purchase! Of course I questioned why I had n't received a bill for the original purchase and I was told that, according to Macy 's, I was receiving ebills. However, when I contacted XXXX XXXX, they confirmed that I had not received any ebills from Macy 's since XX/XX/XXXX. After much wasted time and phone calls, I was able to get Macy 's to reduce the charges to {$24.00}, which I promptly paid. However, my account has now been closed and I have been reported to the credit bureau for non-payment! Macy 's reported my payment as late to the credit agency without even notifying me that I had a payment due. It took them five months to notify me that I did not pay a charge for a bill that was never received! Macy 's had my home address. If I could not be reached by telephone or email ( through Macy 's own negligence ), why was n't I notified by mail sooner than five months?! In addition, I have proof from my bank that I never received a bill. I will take responsibility for forgetting the charge ( which is why I accepted the {$8.00} late charge to settle the account ). However, Macy 's was completely negligent for 1 ) not having the correct contact information ; 2 ) not verifying that the ebills were being received ; 3 ) not following up on the non-payment sooner than five months later. Upon checking reviews of Macy 's, I see that I am not alone with what happened to me. There are several people who are complaining about the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to resolve this issue with XXXX, XXXX XXXX, XXXX XXXX, XXXX, and all 3 credit bureaus for over a year now with no success. I have submitted them copies of ID to support when the XXXX XXXX XXXX was open inXX/XX/XXXX i was not living at the address nor was I of age to have a credit card account not today I am XXXX yrs old two years ago I between XXXX-XXXX years old. I have requested debt validation and all the creditors keep supplying me with are statements ; they have not supplied me a contract bearing my signature of an account that was open in the address I lived in at that time. Attached you will find my state ID which was issued XXXX which reflects my address at that time which is not the address where these accounts were opened, merchandise shipped, statements sent etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX********, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, Dept of Ed/XXXX..Account # XXXX, XXXXXXXX Account # XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

I have 2 ATM transactions that I did not make on my debit card, when I submitted the claim, wells fargo denied my claim because " this transaction was made my putting the card into an ATM and using the PIN. '' I understand that, but I did not physical nor otherwise make those transactions. One was done in another city when I was not there. I called and tried to dispute and was denied again. So I requested an escalation and was told my complaint would be submitted and responded to within XXXX to XXXX hours.
Product: Credit reporting or other personal consumer reports

My information was in a Data breach some information on my credit report is not correct
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls undeXXXX XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 



I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Transunion. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by Capital One. Capital One has never mentioned the legitimate charge for which I paid Capital One and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which Capital One owes me. Documentation supporting my position was mailed to Capital Ones Customer Advocacy Office however Capital One has never acknowledged the documentation. Capital One has erroneously reported my account as being delinquent thus destroying my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX