23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wells Fargo case number XXXX CFPB # XXXX Just I talked with case manager of  WF and she do not able to help. 
-Still insist due to the amount of time passed when the claim was failed they are unable to obtain the refund for the purchases- -they still do not accepted to continue with my XXXX monthly payments - they still remain closed my account. 
Why they invited me to make a settlement, if a never refuse to paid just I want to paid as usually XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAU is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

XX/XX/2019 a debt collection account for {$130.00} from Convergent Outsourcing started reporting on my credit score. A  couple of month later in XXXX, I received a settlement offer from the company. The letter stated they were working on behalf of XXXX. I reached out to XXXX about the alleged debt, who only redirected me to Convergent Outsourcing. On XX/XX/19 I submitted a letter to Convergent Outsourcing requesting verification of the debt by providing a contract with my wet signature. I waited 30 calendar days for a response and I received nothing back from the company. I reached out by mail to all three credit bureaus ( XXXX, XXXX  and XXXX  ) requesting this debt collection account be deleted from my credit report because Convergent Outsourcing failed to validate the debt within the allocated time frame of 30 days. XXXX deleted the account from my report but XXXX  did not and directed me to reach out the Convergent Outsourcing again. I called Convergent Outsourcing on XX/XX/2019, I spoke to a lady named XXXX. I expressed to her what was going on and how I requested validation that I still never got. XXXX verified my address and said she could send a letter to my house. Yet to this date I have not received a contract with my wet signature confirming this is my debt from Convergent Outsourcing.
Product: Credit reporting or other personal consumer reports

This was the letter I sent the FTC... 

I am writing to file a formal complaint against all three major credit bureausXXXX, XXXX, and XXXXregarding discrepancies in my credit report and the ongoing reflection of a poor credit history, which has severely impacted my financial well-being. 

My personal information, including my Social Security number, has been compromised in the past, leading to fraudulent activity and erroneous entries on my credit report. Despite repeated attempts to rectify these inaccuracies, the credit bureaus have failed to address the issues effectively, resulting in continued harm to my creditworthiness and financial standing. 

The discrepancies in my credit report have led to unjust denials of credit applications, making it increasingly difficult for me to access necessary financial resources for basic living expenses. This situation is unacceptable and has caused significant distress and hardship for me over the years. 

I urge the Federal Trade Commission to intervene in this matter and take appropriate action against the credit bureaus for their negligent handling of my personal information and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The FCRA mandates that consumer reporting agencies, such as XXXX, XXXX, and XXXX, maintain accurate and up-to-date information in consumers ' credit reports, which clearly has not been the case in my situation. 

Furthermore, I believe that the credit bureaus ' disregard for my previous claims and their continued inclusion of inaccurate information in my credit report constitute a violation of Section 611 of the FCRA, which requires them to conduct a reasonable investigation upon receiving a dispute from a consumer. 

I find it unethical and unprofessional for these companies to neglect their duty to ensure the accuracy of consumers ' credit reports, especially considering the significant impact that such inaccuracies can have on individuals ' financial lives. 

I request that the Federal Trade Commission thoroughly investigate my complaint and take decisive action to compel the credit bureaus to correct the errors in my credit report, cease any further dissemination of inaccurate information, and implement measures to prevent similar issues from occurring in the future. 

I believe that the credit bureaus ' conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : * Failure to maintain accurate credit information ( FCRA 623 ( a ) ( 1 ) ( A ) ) * Failure to conduct a reasonable investigation of disputed information ( FCRA 611 ( a ) ( 1 ) ( A ) ) * Failure to correct or delete inaccurate information ( FCRA 611 ( a ) ( 1 ) ( B ) ) * Failure to provide a complete and accurate disclosure of consumer rights ( FCRA 609 ) Thank you for your attention to this matter. I look forward to your prompt response and resolution of the issues outlined above. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my credit reports through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX which covers both XXXX and Equifax on XX/XX/2019. 

On XX/XX/2019 Equifax allowed allowed an unauthorized inquiry of my credit report. I emailed their customer service on XX/XX/2019 when I was notified and let them know that I did NOT authorize this and that my file was supposed to be locked and wanted the inquiry removed and no further inquiries allowed without my permission. 

They emailed back and said to file a complaint online but their online system will not let me file a complaint. I emailed back and told them this and got no response. In addition I called them and they won't file a dispute or remove the inquiry. They won't even assure me that this won't happen again even though I have a freeze on my report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested a security freeze placed on my credit file.
Product: Debt collection

Advance Collection Agency accepted an invalid claim for rent overpayment from XXXX XXXX XXXX ( XXXX ) and did not provide me with valid verification of the claim. In XXXX, 2014, XXXX XXXX XXXX informed me that the check issued to me on XXXX XXXX, 2014, for Housing Assistance Payment ( HAP ) was an overpayment and that I had 10 days to repay {$590.00} or the debt would be sent to collections. The letter did not acknowledge XXXX own letter of XXXX XXXX, 2014, ( attached ) which verifies that my contract was valid on XXXX XXXX, 2014 and would remain in effect until XXXX XXXX, 2014. There was no overpayment because at the time the last payment was made, the property was still under contract. Five months later ( After I had sold the property and no longer maintained an address in XXXX XXXX, XXXX sends a fabricated ledger statement with false dates to Advance Collection. Advance Collection did not investigate the claim and when I had a lawyer to call Advance Collection, there was some indication that the same staff member at Advance also worked for XXXX XXXX XXXX. I disputed the claim immediately, writing to XXXX XXXX, the Regional Director at HUD, and finally the Commissioners for XXXX and copied the last letter to Advance. Again, with no investigation or response acknowledging my dispute, Advance Collections placed a negative report on my credit report. I attach XXXX documents to show that XXXX claim for overpayment on XXXX XXXX, 2014, is not valid because the contract was not cancelled until XXXX XXXX, 2014. The second is to Advance Collections to inform them that the HUD regional office had suggested I contact the XXXX Commissioners about the dispute. The debt is not valid. The collection agency did not provide me with authentic and accurate verification of the debt and I was initially told by telephone that the amount was for repairs that I had not paid for. I am requesting that the negative report be removed, that relationship between Advance Collection and XXXX XXXX XXXX be investigated and that Advance Collections be reprimanded for its practices.
Product: Checking or savings account

I called in and I open up account with capital one 360 and I was told that I violated the terms and conditions and I have n't done anything wrong at all and they also told me that someone open a account in my name last year around 2016 of XXXX and I did n't open it up and at the end I was told I ca n't have a capital one 360 checking account ever again
Product: Vehicle loan or lease

I am XXXX XXXX XXXX  stationed in Louisiana. 

According to XXXX law, the SCRA shall be applied to my account under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. Sent laws and requested SCRA benefits to my vehicle loan. 
XX/XX/year>. After several communications between self and XXXX XXXX, request was denied. 
XXXX XXXX will not acknowledge XXXX  law that extends SCRA 's benefit to any loan regardless of the origination date. 

I have provided my orders showing XXXX XXXX in the State XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 INFERFIRST MORTGAGE COMPANY pulled my credit report without my consent. I learned about this on XX/XX/2021 after I received a letter from INTERFIRST mortgage that they have pulled my credit report. 
I tried to contact the company right away as I have never spoken with them or provided my social security to any one. They never picked up the phone. Later I called and left a voice mail to XXXX XXXX XXXX # XXXX, who sent me an e- mail asking me to call him on XXXX. I called him and tried to understand how he was able to get hold of my personal info. Or pull my credit report without my consent. First he said that I provided my social security on line. Then, when I accused him of lying he said someone submitted a refinance application on your behalf. I asked him to call the credit bureaus and explain that the credit report was pulled mistakingly but he stuck to his story that someone submitted an application on my behalf. So, I told him I will sue and hung up the phone.
Product: Mortgage

Upon purchasing my home on XX/XX/XXXX the bank sold my loan to another lender one month later. 

There were some issues with the escrow account and my home Insurance wasn't getting paid. 

By XXXX of XXXX my mortgage was sold to another lender Midland Mortgage and they started helping me with applying for a mortgage modification loan. 

By XXXX of XXXX this modification loan was approved. 

As of XX/XX/XXXX my Mortgage is Current with XXXX past due. 

The information on my Credit Report needs to be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) 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 deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX. XXXX XXXX XXXX has not provided me with the original application with my signatures like I have requested. 

Furthermore, since I have not been supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Money transfer, virtual currency, or money service

Good Morning, I'm writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims Adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EQUIFAX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX XXXX  BALANCE OF {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE
Product: Mortgage

I have always paid my mortgage half at the beginning of the month and half at the end to in order to help with my finances as I do not get paid on regular basis. After refinancing with XXXX XXXX for my mortgage, I was called by customer service asking me to pay the full amount by the XXXX of each month. I told customer service that I have paid ahead so there should be no reason to charge me a late fee I need to pay two times a month. I am not exactly sure of the dates of this conversion but I am thinking maybe around XX/XX/XXXX/XX/XX/XXXX. 

Recently ( XX/XX/XXXX ) I received a letter from XXXX stating as of XX/XX/XXXX they will no longer accept partial payments and any partial payments will be sent back to me.
Product: Mortgage

I received a letter dated XX/XX/2020 offering to refinance my mortgage with Chase Bank at a new interest rate of 3.625 %. The first page prominently states " No cost to you '', which is repeated three times on the first page. The second page states " {$0.00} closing costs '' and a detailed lists of sample closing costs with XXXX costs. 
I replied to the offer by applying, then received a phone call from a Chase mortage advisor. He asked me a few questions, then gave me some terms on a refinanced mortage with a higher monthly payment than what I am currently paying. After repeated questioning, he told me the mortage would include about {$2700.00} in closing costs. I told him about the letter, twice. He finally just admitted they meant " no closing costs up front ''. The letter does not say " closing costs folded into the principal '', it says " no closing costs ''. I then told him I was withdrawing my application and hung up.
Product: Checking or savings account

Let me start by saying I have been a longtime customer of Capital One since they were XXXX XXXX and I was starting my college life. I have never thought about using any other banking institution for my personal or business affairs, until now. 
I have been having a claims dispute with a merchant, The XXXX XXXX, since XX/XX/XXXX. This dispute was due to the merchant charging me twice for 1 massage service at an introductory price of {$56.00}. I paid for the service on XX/XX/XXXX upon scheduling through my XXXX account which is directly connected to my Capital One checking account. On the appointment day, XX/XX/XXXX, I was charged again at point of sale because the young lady said she had no proof in the computer that the service was paid for. After she checked twice, I was confused & gave her my debit card. As soon as I got home I was able to check my bank account to confirm my initial payment. Therefore, I contacted the owner, XXXX, who assured me that she would make the corrections after offering me a credit. I refused the credit and asked for my refund instead. In the meantime, I contacted Capital One to initiate a claim dispute. Claim # XXXX was the number given to me by Capital One. I spoke with a representative in the Claims Dispute Dept, who told me that he saw the 2 separate transactions for the exact same amount of {$56.00}. Of course, I am thinking all of this has been resolved after sending the receipts and emails in to XXXX. 
On XX/XX/XXXX, I received a letter from Capital One stating that my claim has been denied and they are believing the owner of XXXX XXXX XXXX that it was my user error and that is why I was charged twice. How can it be my user error if one charge was via computer on XX/XX/XXXX and the other was on location at point of sale on XX/XX/XXXX??? I have spoken to several representatives in the Claims Dispute Dept. Each person has said something different ( I am sure these calls are recorded ). On XX/XX/XXXX, I spoke to XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX @ XXXX. One of them even implied that the XX/XX/XXXX purchase was for other merchandise, as if I am lying. They are unfairly closing the case and extending the worst customer service ever. I have all the proof of being charged twice. I have even contacted the Capital One corporate office and spoke to their representative, XXXX, to no avail. Please assist and thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX XXXXXXXX Balance XXXX XXXX {$690.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I have paid this account in full as I thought it would resolve the issue of it reporting on my credit. I looked into this account further and found out that this is not even my account and I tried disputing it but the credit bureaus never even looked into it. There was no dispute verbiage ever placed on my credit report. I want this collection disputed as this collection does NOT belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied and paid for a passport. On XX/XX/year>, the passport was deemed non issuable and I never received my passport. However, DEPT OF TRESUARY added a collection to my account. Please remove this collection whereas the passport was deemed non-issuable over a year ago and once again I never received my passport. Trans Union is the only bureau reporting this wrongful collection.
Product: Mortgage

As a veteran, I feel XXXX XXXX XXXX is no help to us veterans on VA loans programs. 

After a bad car accident and a huge stack of medical bills, we completed our application and was granted a VA Forbearance program. Under the program we were not suppose to be charged late fees, or any late payments reported to the credit bureau. We successfully completed the special VA Forbearance program only for XXXX XXXX XXXX to ruin our credit by reporting late payments to the credit bureau which was not part of the forbearance program. 

We even offered to make partial payments during the special forbearance program and all were refused. We notified them many times that we were making arrangements to bring the loan current and they refused to waive their late payment charges and took rapid action to foreclose on our property. 

They processed a rapid foreclosure even after notifying them that we would be bringing the loan current. They rushed into foreclosure without any discussion with us and the first time we knew about it was when the county notified us of the date. 

We finally convinced them to take our payment to bring the loan current only for them to later sell our mortgage to XXXX XXXX  XXXX dba Mr. Cooper probably to avoid the headaches and press about their underhanded process. 

We sincerely hope that no one else is treated this way by XXXX XXXX XXXX or any other lender.
Product: Mortgage

Carrington Mortgage Services denied a loan modification request on XXXX/XXXX/15. We have since submitted an appeal along with supporting documents to substantiate additional income by requesting a review of the file XXXX loan # XXXX XXXX. After many phone calls they finally admitted they were in receipt of the documents as of XXXX/XXXX/15. We were told that the review will take up to 30 days. XXXX/XXXX/15 came and went, no word from Carrington Mortgage Services. Many calls later, we are hearing conflicting statements from their representatives. Promises of phone calls for an explanation for the outcome of their review produced only nothing. I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, MA XXXX, am appealing to the Consumer financial protection bureau to look into this matter. It seems that Carrington Mortgage Services is acting in reckless, deceitfull and unprofessional way XXXX.