23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicing company transferred the servicing of my loan to Loan Care. Loan Care did not mail me any information on the transfer or a coupon in order to pay my loan.

I made 8 calls over TWO days, 6 of which went unanswered. All I was able to do was to hear how I should make a payment but was not given the correct information to do so. 

When I was able to speak to a human on XX/XX/XXXX, Agent XXXX, she said she would both mail and email a copy of my loan documents to me. When I opened the email from Loan Care, I discovered I was sent a copy of another person 's loan statement, including the loan number, property address, and PO Box the person used for his mail. 

When I called Loan Care again, I was on the line for 1 hour and 20 minutes, most of that on hold. 
The agent on this call, Agent XXXX, was finally able to obtain my correct loan information and have it emailed to me. 

The bigger concern of the agent, who was very nice, was the disclosure of the other person 's confidential information to me. 

When I asked why I had not received a loan payment package Agent XXXX told me her company had only received my loan as of XX/XX/XXXX, and would not be sending me a bill until XX/XX/XXXX, by that time my loan payment would be late.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of an item on my credit report. According to my credit report from TransUnion and XXXX, there is an open account listed under collection account number XXXX. The details of the account are as follows : Account Type : Open account Bureau Code : Individual account Date Opened : XX/XX/XXXX Balance : {$1100.00} Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer Date Last Active : XXXX dispute this account for the following reasons : Lack of Validation : I have not received any validation or verification of this debt from your agency. As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon request.Incorrect Reporting : The reported balance of {$1100.00} is inaccurate. I have no record of owing such an amount to your agency or any other creditor.Compliance with Reporting Guidelines : The reporting of this account does not comply with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) .Furthermore, I dispute the accuracy of the information reported under the XXXX and TransUnion bureaus, as the reported seriously past due date and assignment to attorney, collection agency, or credit grantor 's internal collection department are inaccurate.I am requesting that you provide validation of this debt as required by law. If you are unable to provide proper validation, I request that you delete this item from my credit report as it is inaccurate and unverifiable.Please investigate this matter promptly and provide me with written documentation of the results of your investigation.
Product: Debt collection

Midland has filed a civil suit aginst me on a debt that isn't mine i was not properly served instead of a certified letter or anything from Midland funding or the court. Instead i received a letter from a attorney asking if i needed legal representation for this court case after doing research on the local courts website i found out i was being sued by Midland funding i filed my answer and sent them a debt validation request to prove that i own this debt and they have failed to do so it has been almost a month and they have failed to validate this debt. there is no contract or chain of assignment or anything else in there complaint. After alot of research i have seen were multiple states including the state of ohio have filed lawsuits against Midland funding for their shoddy collection practices and they have sued many people in violation of the ( FDCPA )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in to be removed.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Was contacted by a person impersonating a law enforcement official, Sergeant XXXX XXXX of the XXXX XXXX Sheriffs Office. He told me that I was held in contempt of court for not appearing as an expert witness for which I was officially subpoeaned on XX/XX/2023. This was a misdemeanor escalating to a felony and that if I did not get the documentation to appear ( subpoena ) I had to go to a law enforcement agency for signature verification and pay {$3100.00} for a insurity? bond and that it would be released back to me upon successful signature verification. I was given instructions to conduct transaction via XXXX and the recepient would appear as a " XXXX XXXX '' ( an officer in the XXXX Sheriffs office ). Upon conducting the transaction, I was told that it was not received and that I needed to try again at which point my husband alerted me that he received email from Wells Fargo regarding the XXXX transaction and that it was most likely a scam. I was on a trip out of town when this happened and was told that the felony conviction would lead to arrest and that I would be unable to travel back home as I would not be able to get past TSA at the airport. In a state of panic, I conducted this transaction. My husband literally called Wells Fargo within minutes and explained the circumstances and to try to chargeback/block the pending transaction. He was told to have me call to file complaint as we are joint holders on this checking account but that I was the victim and needed to answer the appropriate questions. We had a XXXXree way call and they filed a case and provided a case # XXXX. Was advised that I would receive an email confirming filing of case and to expect a response within 10 days. I felt that they could have tried to stop this in real time as we contacted them while transaction was still showing as pending and could have been more proactive. I have yet to receive the email confirming filing of case.
Product: Credit reporting or other personal consumer reports

I have asked several times now for investigations to be done on the accounts I will include as an attachment. Each time they have come back verified although they are not accurate they are incomplete and in violation of the FCRA. Because they were still reporting these accounts I asked for description of how the investigation was done. I just had another investigation completed and same results sent back to me. I have now sent another certified letter with a copy of my driver 's license, gas bill and social security card asking for another reinvestigation. I will include the letter in attachments as well as the clear inaccuracies and incomplete information they are continuing to report. They are hurting my ability to obtain credit by continuing to report inaccurate incomplete information.
Product: Debt collection

PLEASE TAKE THIS OFF MY CREDIT REPORT THIS GOT PAID XXXX AGO THIS IS ON MY CREDIT XXXX XXXX THE COMPANY IS CLOSED BEEN ON MY CREDIT FOR XXXX!!!!!!!!!!!!! NATIONAL CREDIT ADJUSTERS THIS IS MY RECEIPT TAKE OFF NOW I WILL GO TO ATTORNEY GENERAL OFFICE XXXX CALIFORNIA XXXX ALL SO THIS IS A XXXX  TAKE THIS OFF MY CREDIT REPORT XXXX XXXX XXXX  BAL= XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX REPORTED ON XX/XX/XXXX THIS IS A LIE THIS IS XXXX XXXX XX/XX/XXXX I HAD XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX  THEN THAY HAD TO TAKE IT OFF MY XXXXXXXX XXXX AND MY INSURANCE PAID THEM TAKE THIS OFF MY CREDIT REPORT NOW
Product: Credit card

I applied for a Dillard 's charge card as I would like to participate in their rewards program. 
Instead of a charge card, I was issued a Dillard 's American Express card. I contacted Dillard 's and XXXX XXXX requesting a downgrade to a regular Dillard 's charge card and was told I was ineligible for a downgrade because my credit is too good and that only people with bad credit are eligible for a " Dillard 's only '' charge card. 
I do not want another credit card because of the greater liability if lost stolen and the fact that I plan to let other persons use the card for Dillard 's purchases. 
I believe it is an unfair practice to issue Dillard 's charge cards only to persons with bad credit and to refuse to issue a charge card to persons with good credit. 
Desired resolution : Issue me a Dillard 's only charge card. 
The XXXX XXXX card that I was issued is XXXX. I have not activated it ; nor do I intend to do so.
Product: Money transfer, virtual currency, or money service

My complain is against Wells Fargo Bank Wire Transfer Department. 
I made an overseas wire transfer using online services on XX/XX/2022 with expected delivery date of XX/XX/2022. Following the online wire transfer, I called Wells Fargo Banker to verify whether additional information is needed and was told no additional information was necessary. After several phone calls to inquire why the transferred amount of {$7000.00} was not delivered to the recipient, I received an email on XX/XX/XXXX requesting additional information on a note I included in a comment section of the wire transfer form. I was told the request came from the compliance department. Following my response, there was another request for additional information which I responded. The third request for information countered my previous response in which I was asked to provide an official justification for my response which I sent on XXXX XXXX. Since my last communication, I have not received my money. Considering the delay in the delivery of funds to the recipient, I requested for a cancellation of the wire transfer on XX/XX/XXXX but the money has not been returned to my account. 

As a retired veteran in need of school supplies and lodging for their college, I need this the money returned to my checking account for their expense. My wife and I are experiencing financial hardship caused by the delay in getting back our {$7000.00}. 
Thank you in advance for the assistance. 

Wells Fargo Case number : XXXX
Product: Credit reporting or other personal consumer reports

My address was recently change on my consumer report to an address that I have no association with. I have never lived at the address that is reporting on my consumer report. 15 USC 1681 ( a ) ( 4 ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Checking or savings account

Im trying to open account an and some banks are reporting inaccuracies to the banks an it not allowing me to open any accounts theses account wasnt fraudulent open I didnt open half of theses account
Product: Mortgage

Wells Fargo has lost my XXXX XXXX for 2021 XXXX : I currently have a credit card with Wells we Fargo. I closed my mortgage with them in XXXX of 2021. According to Wells Fargo XXXX Department my XXXX  XXXX for taxes should still be online but its not Wells Fargo also lost a document critical to maintaining my mortgage which is why I no longer have my mortgage or my checking account with them. I kept the credit card expressly for making sure my records didnt PREMATURELY disappear but they did anyway For days, nobody I called could locate proof that my mortgage existed. Now Ive been waiting for my 2021 XXXX  XXXX WHICH STATES how much interest I paid Wells Fargo in 2021. 

The email Wells Fargo sent me regarding my 2021 form connects to nothing I need that form XXXX for account number XXXX. This is the account number on the previous years XXXX XXXX
Product: Debt collection

per midland funding website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. midland funding was charged {>= $1,000,000} by 42 states in 2018 for bad practices. statue of limitations has passed. midland funding & the company they bought the debt ( XXXX XXXX XXXX ), must remove
Product: Debt collection

National Credit Adjusters has violated my consumer rights according to the Fair Credit Reporting Act. They have failed to respond to my request for verification. I have given them more than reasonable time to investigate my dispute. 

I wrote four letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but still reported this debt that I have no responsibility for on my credit.
Product: Student loan

FedLoan Servicing has not credited me payments towards the XXXX program. They just increased, for no good reason, the number of payments I need to make before I can submit my XXXX  application. My employment has not changed in the past year, but they dropped my qualifying payments. They are now saying that I need to make additional payments.
Product: Credit card or prepaid card

I made a jewelry purchase of {$520.00} at the XXXX XXXX location of XXXX on XX/XX/22 and decided to return it on the same day to another location. I returned the entire purchase but did not receive credit for the return.
Product: Debt collection

There's an account from XXXX/XXXX XXXX listed on my credit report, but I do not owe this company ANYTHING. They sent me a card in the mail after an online pre-approval, but I never purchased anything with them. The card wouldn't work and I called their customer service number and they advised me that this card was closed because they approved me in error, due to my FICO score I shouldn't have been approved. I was never able to use the card at all, so I'm unsure of how I owe them anything. I tried disputing the amount that they claimed I owed on several occasions with no luck. I don't understand how they approved me, sent me the card, closed it and yet they state that I owe money for a card that I was never able to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX and Experian multiple times for multiple months via CERTIFIED MAIL regarding FRAUD ACCOUNTS and FRAUD INQUIRIES. They advised me to file an FTC report which I did. It has been months and no responses nor removals. Spoke to XXXX from the Attorney Generals Office and he is going to dig deeper to see why the reporting agencies are neglecting me and violating my consumer rights.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$2800.00} account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : URGENT - FINAL REQUEST FOR DELETION OF INACCURATE INFORMATION Dear TransUnion, I am writing to formally dispute the severe inaccuracies on my credit report for the fourth time. Under FCRA 15 U.S.C. 1681, I have a legal right to a 100 % accurate and fair credit report. These errors are unjustly damaging my financial stability, preventing me from accessing credit opportunities, and must be corrected immediately. 
Erroneous Account Information ( Violating FCRA Guidelines ) XXXX XXXX ( Account # XXXX ) This late payment is incorrect and must be removed immediately if not verified under FCRA 609 ( a ). 
XXXX XXXX XXXX ( Account # XXXX ) The late payment from XX/XX/XXXX, is inaccurate and must be deleted under FCRA 611 ( a ) if validation is not provided. 
These false reports are placing an undue burden on me, leading to financial hardship, higher interest rates, and loan denials. I demand immediate action. 
Legal Consequences of Non-Compliance You are legally required to resolve this dispute within 30 days under FCRA 611 ( a ). If my consumer rights continue to be violated, I will escalate this matter by filing formal complaints with the CFPB, FTC, and seek legal recourse against TransUnion.

A written confirmation of these removals is expected immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letter to transunion onXX/XX/XXXXto remove a bankrupcty from my credit report and ant thing included in bankrupcty telling them that the courts do not report to credit agencies as in the fair credit act the in formation they are reporting as to be verified threw the courts and not third part vendor im not the only XXXX XXXX i also enclosed a letter with my letter that i sent to the bankrupcty court on XX/XX/XXXXand got feed back from the courts in which the court clerk sent my original letter back to me stamp with the bankrupcty seal to confirm my statement but they refused to correct my credit reoprt
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my Equifax and XXXX  credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/XXXX.pdf http : //www.consumerfinance.gov/newsroomXXXX/
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with TRANSUNION and barely any information being reported for XXXX. Also XXXX accounts are being reported and updated as a collection on my report. These accounts are also stating a balance of {$340.00} when the balance should be XXXX due to these accounts being charged off as a collection which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, & TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX TRANSUNION Account Name XXXX XXXX XXXX Account Number : XXXX