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

I don't recognize this account, i see that it's {$0.00} balance. Please remove it, i don't know anything about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Banking institution's is sharing my personal information with third party affiliates with no consent to do so. Under the Privacy Act this is a direct violation. Under 15 U.S.C  6801-6805 protects me as a consumer and allows me an opt out option and non disclosure options that was not provided. I never was sent anything in regard to an opt out prior to the bank sharing my personal information.  The bank was in direct violation of the FCRA  and Privacy Act. They gave information to XXXX XXXX XXXX without my consent. In the banking terms and conditions, it states no information shall be given to third party's or Affiliates and non affiliates. The report from XXXX XXXX XXXX  that is attached is evidence of the Bank sharing information. 


Wells Fargo Privacy statment. 

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
 Our affiliates include financial companies with Wells Fargo in their name such as 
Wells Fargo Bank, N.A., and Wells Fargo Clearing Services, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 Wells Fargo does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market 
financial products or services to you.
 Wells Fargo does not jointly market.
Product: Credit reporting or other personal consumer reports

The XXXX computers on mortgage companies ' websites are telling the people who log into loans sold that if they are late, the payment is XXXX months due. 
The reality is that a mortgage loan is not late for 15 days, and a late fee is not allowed to be charged until the 1 days pass XXXX is reporting late and another payment due on the website and it is not true. 
The payment is not late for 15 days the computers are not allowing for the grace period and they are selling the loans with late to the new lender, so they show it late on the XXXX day to collect the payment and the new lender thinks the payments are late and collect XXXX payments, XXXX XXXX who has Dovenmule as the collecting lender did this and never shows the payments made just deletes the credit from the credit report and never responda Same with Dovenmule loans that were sold to XXXX, they took XXXX payments, to get caught up when you are not late my payment is due on the XXXX but the note say more than 15 days late a late fee will be assessed, but the log in shows 2 months payment due, this after they said they sold the loan. Just like XXXX and Dovenmule the collector of the payment for XXXX who sold the loan to XXXX who said XXXX payments are due, when in fact no payment is due until after the XXXX paid the lender and they said the next payment is due XXXX of the month and they collected and showed XXXX payments due just like flagstar saying the same when they are selling the loans, You have to help the people this is not right, they are sending letters that the loan will be sold then showing the payment as late and the 2nd payment due even though the loan payment is not due on the 2nd day of the month. All USDA loans have a 15-day grace period. They need to correct all payments as current on credit and since they are scamming people per the law they need to refund all the money. Dovenmule and XXXX HAVE all Money REFUNDED to the Customers as this is mortgage FRAUD Fine the and refund the money and as the law says no loan payment is ever due under frand
Product: Debt collection

On XXXX I received a fraud alert notification from my XXXX XXXX and my XXXX accounts. I immediately went into my XXXX account and was directed to a debt that had been referred to a collection agency and posted to my credit report. My credit score is historically in the XXXX range. It is now XXXX. 

A collection company, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ), today posted a collection on my credit report through XXXX. The collection is in an amount of {$3000.00}. My Experian app shows the tradeline as opened XX/XX/year>, with no payments made, and sent to collection XXXX. The creditor is shown as CashNet. I've never transacted with CashNet but researched their website. Apparently, they'll give you a loan without pulling credit, which explains how someone could have used my identity to get a loan without a credit pull. My credit is locked with all 3 bureaus and has been for over 3 years. I assume this means someone has other PII, and presumably my SSN. 

I not only want to dispute this but I also want to know how I can prevent it in the future. If someone can obtain credit in my name without a credit pull that makes it much easier to defraud someone and XXXX XXXX and the bureau locks would seem to be powerless against that. 

Thank you in advance for your help
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$10000.00} XXXX XXXX XXXX {$1400.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX/XXXX  Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

I have been consistently paying a minimum agreed upon amount since XXXX of 2022, recently myself and my brother ( who is also on the debt ) have been getting harassed by one particular agent ( I believe his name is XXXX ) even though the account is current. However, XXXX claims that no resolution has been made on this account and therefore he has the right to attempt to call us constantly to settle the debt. This includes frequent phone calls to both our personal phones and our PLACE OF WORK, being unprofessional and rude towards us, asking personal questions pertaining to our other finances not related to the debt owed ( such as why we cant pay more, what other payments do we make or why we cant afford to settle the debt ) as well as rudely hanging up when we asked to speak to a supervisor. 

Note : the account is under my maiden name-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have had a mortgage loan with Chase bank for approximately 20 years. 

I have been attempting to refinance this loan since XXXX and just have not had any progress on getting the loan refinanced. 

I have spoken with the loan officer on numerous occasions and he says that he has all of my information, but as of today their has been no progress on closing the loan. 

I have presented them with all of the information that they have requested. 

I have had a XXXX XXXX XXXX for twenty years, but I also worked for periods of time for companies while still maintaining my business. I was working for a company until XXXX of XXXX, after that time I have worked full time on my XXXX XXXX XXXX. 

One thing that the loan officer mentioned was that my income from my XXXX  business had increased drastically from XXXX to XXXX. I explained that in XXXX I had dedicated 100 % of my time to the business where as in XXXX I could not due to be employed by a company It seems like people who are self employed are possibly treated differently if their business is more successful the following year because they were able to dedicate more time to the business
Product: Debt collection

Radius Global Solutions called me from XXXX XXXX, FL, to collect a medical debt from XXXX XXXX. I paid, over the phone using a credit card, the full amount of {$110.00} on XX/XX/year>. REFRENCE # XXXX XXXX XXXX XXXX. Since XX/XX/year>, ive made repeated near daily calls to receive a proof of payment letter or receipt. I've supplied XXXX different email addresses and XXXX different physical addresses and have not received any communication. Yesterday after waiting on hold over XXXX minutes, they hung up on me. I'm afraid I am out of options at this point.
Product: Student loan

I received an email notice about a change from mohela loan servicer XX/XX/XXXX that they were taking over from XXXX. XX/XX/XXXX received another notice change had taken place. On XX/XX/XXXX I filed for bankruptcy. Because I was supposed to pay during bankruptcy and had been making payments to XXXX  ( which they returned my payments ) up until XX/XX/XXXX. I tried to connect with mohela to no avail. On XX/XX/XXXX, I filed a complaint with studentaid  that I could not access my loans to make payments. On XX/XX/XXXX, received a noreply email that mohela had been notified by federal student aid that my payments to XXXX had not been forwarded to mohela and returned to me. After too many failed attempts to reach assistance for access to my account, I gave up. Next time I heard from U.S. Dept of Ed was XX/XX/XXXX regarding my pslf program and again on XX/XX/XXXX about covid relief ending. Again, tried to contact mohela to locate my information, no avail. Last email notification from mohela was about making sure my information was up to date at studentaid.gov on XX/XX/XXXX. XXXX XXXX XXXX, I still can not reach anyone for my information. XX/XX/XXXX, through my bankruptcy attorney had gotten a name to contact, XXXX XXXX, left a message and still have not heard from her. Filed a complaint with Missouri division of finance and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed letters on XX/XX/2020 to XXXX transunion and XXXX about some errors and its been over 75 days and i havent heard nothing i even sent another letter not hearing back from them in order to get a response and that letter has been over 30 days since they received it back i sent certified mail and have the delivery receipts to prove that they received my letters this has to be some sort of violation with the FCRA
Product: Debt collection

This debt was put into collections and ruined my credit on all 3 credit bureaus and they refused to provide original documents attaching my name to the debt. Refused to provide me with proof the debt was mine. I told them my attorney would be reaching out and was going to proceed with legal action after 6 months of fake reports. Then they removed the collections debt from all 3 debt collectors. Now it has shown up again under a different debt collectors name with the same debt. This is not my debt. They can not prove that it belongs to me. They have violated my rights. All of their business practices are illegal
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the Pennsylvania Attorney General 's Office to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Debt collection

I spoke with one of your representatives, XXXX XXXX, on XX/XX/2023, in regarding a debt that appears on my credit report, which I do not recognize. 
During our conversation, XXXX XXXX was attentive and provided me with information about the alleged debt. However, after thorough review and consultation with my financial records, I still can not identify the origin of this debt. As a result, I am formally disputing the validity of the debt and kindly requesting that it be promptly removed from my credit report.
Product: Credit card

I purchased and cancelled orders for a couple purchases using PayPal Credit 's " Bill Me Later. '' The deferred interest rate was still applied to my bill despite having the transaction cancelled. Effectively, I am being charged interest for transactions that were refunded within the same day of the transaction at the 19.99 % interest rate 6 moths later.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

Bankruptcy Equifax Reference # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 


3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( likely XXXX XXXX XXXX XXXX XXXX XXXX intended ). 
o The name appears truncated or misspelled. 
o XXXX : NONE 2. Date Filed/Reported Discrepancies : o XXXX XXXX XX/XX/year> o Equifax : XX/XX/year> o XXXX : NONE o This inconsistency suggests the reported dates may be inaccurate or unverifiable. 
XXXX. Reference Numbers : o XXXX  Reference : XXXX o Equifax XXXX : XXXX o XXXX : NONE o The reference numbers are inconsistent between bureaus, raising doubt on the reliability of reporting. 
4. Closing Date Missing for Equifax : o Equifax does not display a Closing Date while XXXX lists it as XX/XX/year>. 
XXXX. Dollar Amounts : o Both bureaus list {$0.00} for Asset Amount, Liability, and Exempt Amount, which might suggest incomplete or unverifiable information. 
o If a bankruptcy was filed and discharged, there should be values associated with assets and liabilities. 
6. General Formatting Issues : o Some data is misaligned, such as Remarks not showing additional context.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the credit bureaus regarding the reporting of XXXX XXXX XXXX and Capital One on my credit report. I requested that the debts be validated and both companies sent me a notification of debt and also previous monthly statements. According to air Credit Reporting Act, a debt must be validated by creditor by proving a signed contract or loan agreement along with proof of payments. XXXX XXXX XXXX and Capital One have failed to provide valid proof of debt. Capital One stated in the letter that they no longer even have the debt and that it has been sold to XXXX XXXX XXXX I demand investigation and to have these accounts removed from my credit reports with all three bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a student loan serviced by ACS ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; ACS is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to ACS by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say ACS validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.