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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This case stems from when the Bank of New York Mellon, through their attorneys at XXXX XXXX XXXX XXXX, sold the same property via foreclosure to two  parties.XXXX  XXXX, who soon afterwards became our client, purchased the property the second time from a Foreclosure auction. 
The first people that purchased the property years before never defaulted on their loan and were currently living at the property. When the the XXXX XXXX bought the same property at the foreclosure auction,
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE 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, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with GM Financial, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, GM Financial or XXXX continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with XXXX, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called GM Financial five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to XXXX. All disputes have been closed with both companies and the information remains incorrect.
Product: Mortgage

We are selling our house in XXXX to qualified veteran buyers who are assuming the loan. We started this process in XXXX of XXXX. Our buyers had submitted all necessary documentation to XXXX XXXX Mortgage ( we found out in XXXX that this was actually Dovenmuehle Mortgage servicing ) for the loan. The buyers submitted the closing disclosures on XX/XX/XXXX to Dovenmuehle 's assumptions department and we were set to close before the initial closing date of XX/XX/XXXX. Over the holidays, we consistently called and spoke with people at Dovenmuehle regularly and they assured us that they understood that we needed to close in XXXX because we are buying a house in XXXX. On XX/XX/XXXX our title company had still not received any more information, so I called XXXX and they said that our loan had been sold. I said, " we are supposed to close today, what do you mean it has been sold? '' They couldn't give us any information because the new loan was not pulling up in their system until XX/XX/XXXX. 

We moved into the home we are purchasing in XXXX with a short term rental agreement from XX/XX/XXXX through XX/XX/XXXX. Our sellers in XXXX were kind enough to extend our rental through the end of XXXX so that we could close on the home in XXXX. I called and called Dovenmuehle and they never had any updates for us, they just said that they would put in a ticket to call us back. That never happened. I have filed two complaints with the XXXX and Dovenmuehle replied that they understood that we needed to close in XXXX. It is now XX/XX/XXXX and if we do not close on the home in XXXX and the home in XXXX in XXXX, there will be two veteran families with children ( one is XXXX XXXX ) who will be homeless. 

This is a very severe emergency and we are unable to reach anyone at XXXX who will help us. Apparently this happened to thousands of veteran families who were in the assumption process when XXXX sold the loans without allowing the assumptions to go through before changing the servicer to XXXX XXXX Mortgage. I have called and emailed XXXX XXXX at XXXX XXXX Mortgage multiple times and have never received a reply or a call back. I have requested that the XXXX call me every single day this week and there has been no call to me from XXXX XXXX to give us our closing date. We are about to be homeless because XXXX transferred our loan to XXXX XXXX when the assumption was already supposed to be completed in XXXX of XXXX with Dovenmuehle.

Dovenmuehle was the servicer of the loan from XX/XX/XXXX through XX/XX/XXXX. Their assumptions department had our loan and replied to the XXXX complaint stating that they understood that we needed to close in XXXX of XXXX. We were never told that the loan was going to be sold or that there was any possibility of not closing in XX/XX/XXXX. We are about to be homeless and this is due to the negligence of the assumptions department at Dovenmuehle Mortgage. 

We were also never told that Dovenmuehle was the servicer. Every time we called them, the phone numbers answers as, " XXXX XXXX Mortgage. '' We are about to be homeless because of the assumptions department at Dovenmuehle Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The other bureaus have not reported this account as " Late '' but you have listed this account with late payment status. It is also a closed account that is being reported as an open account. Under section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and also send me the name and addresses of persons contacted per regulations found in the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX XX/XX/XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Delete this unauthorized inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law. 
Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately.

Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw all these inquiries in one day and other I did not recognize.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX My name is XXXX XXXX and my account was limited {$450.00}. 
I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money.I have not received any emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to XXXX. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage has me in the negative section of credit report because iam on forbearance
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital XXXX  failure to deposit my direct deposit from my employer and my other incoming deposits. Capital one has cited technical issues, which XXXX violate the electronic funds transfer ACT ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

I am filing this complaint against Wells Fargo Bank regarding their unethical and deceptive overdraft practices, which have resulted in multiple unjust fees being taken from my account. I recently discovered that I was automatically enrolled in Wells Fargos " Overdraft Protection '' program without my explicit consent. This unauthorized enrollment has led to significant overdraft fees being deducted from my account, which I did not agree to or request.

When I contacted Wells Fargo for clarification, I was informed that I was enrolled in this " protection '' service, which is supposed to prevent overdrafts and associated fees. However, I was never notified of this automatic enrollment, nor did I ever give my consent to be included in this program. I believe that this practice is a deliberate tactic by Wells Fargo to siphon money from unsuspecting customers.

Wells Fargo has a documented history of unethical overdraft practices, including a recent {$3.00} XXXX settlement with the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year> over similar allegations of improper practices. This ongoing pattern raises serious concerns about their commitment to ethical banking and consumer protection.
Product: Consumer Loan

I was involved in an auto accident and my car was paid off to Compass Bank. They misplaced a warranty check for three months, when they finally admitted there mistake they have refused to send an update to the credit bureau, which is ruining my credit. 
This bank has bully tactics and while they had misplaced check I continuosly received collection calls and the run around from this company. I hired an attorney and they have sent communication that they would remove this line item from my credit XXXX XXXX, the last regional manager informed my attorney on XXXX XXXX that it would be removed by 45 days .It is the XXXX day and it is still not removed. I have filed a complaint with the BBB, the attorney general, the banking commission, hired an attorney, now filed this with you. Hopefully this helps
Product: Credit reporting, credit repair services, or other personal consumer reports

I have landed at XXXX on XX/XX/2023. I have opened my account with XXXX XXXX  on XX/XX/2023 but bank has not issued me credit Card as in my profile details of my XXXX XXXX credit Card added in my profile.I have submitted dispute form five times but all time I got a message that documents are invalid. I have also contacted to EQUIFAX by phone serval times but thay said me that my profile will changed as per my true details in 3 to 5 days but no action taken any time. I have also contacted by XXXX but no response from EQUIFAX. Due to such reasons my son also lowered credit score. Please do kindly attention in my matter as I am new to XXXX on XXXX.Thanks.
Product: Mortgage

Regarding PMI : we paid up front at closing to not have PMI on our mortgage with the understanding that it is cancelled at 80 % LTV ratio. Four years later when we reached 80 % Wells Fargo will start charging PMI until the LTV reaches 78 % or we pay about {$550.00} for a Wells Fargo appraisal to verify loan value has not diminished. Wells Fargo will not accept a property tax statement as proof of house value. Please help to make it allowable for Wells Fargo to accept a property tax statement as home value instead of demanding their service.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Discover, for committing Fraud. I have never given Discover, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a Legal Tender payment coupon to company in XX/XX/ 2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. U.C.C 3-602/U.C.C 3-603/U.C.C 3-311/U.C.C 3-419/U.C.C 1-308/12 USC 411/ According to pervious response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in U.S. dollars.. Discover conducts regular review of our customer accounts and on XX/XX/, 2022, in accordance with the terms and conditions of the Cardmember Agreement which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. The company stated I must pay in U.S dollar and I know that a U.S dollar is Legal Tender. Legal tender as the currency of a nation in the form of paper money. Legal tender is considered valid for payment of any financial obligations. Legal tender is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal tender, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt. The act of tendering the payment in legal tender discharges the debt.
Product: Debt collection

Two complaints 1. Number of calls 2.  Wo n't close account : I have a  XXXX   XXXX  card that I got delinquent on. Over a year goes by, account should be closed but it is not. I sent a written letter to  XXXX , along with the card, telling them to close the account and send a final statement. Almost a year after that, I am still receiving monthly statements steadily climbing higher because of late fees and interest. While this is going on, they are calling me up to 7 times a day, mostly 6 days a week. They are calling my mother in Alabama, my father, my grandmother, my uncle. And that 's just the ones I know about. I decided to try to pay the debt off on my own recently, sent another written request to close the account, saying I would make weekly payments until paid in full, and to stop calling me unnecessarily because I would file a complaint . Two payment s have cleared in a row, steadily getting phone calls from them, and they wont close the account. Got a statement in a couple days ago where I am charged yet another late fee and interest. My grandmother told me she got another phone call from them. She tells them there is nobody there by that name, but they continue to call. I am going to continue to make my weekly payments, but I want the account closed because if they charge a late fee each time of {$15.00}, my {$25.00} payment on a {$700.00} balance will never be paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

I hear about scammers draining accounts of innocent people, and to increase my security I went to XXXX website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at XXXX website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into XXXX, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 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 TransUnion credit bureau to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 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, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. In addition, I am including more accounts below there appear to be new accounts that are reporting erroneously. 
XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Money transfer, virtual currency, or money service

I'm a XXXX. They were hiring me to XXXX XXXXXXXX for a company. I looked up the company and it was legit. She was impersonating an event coordinator and sent me a prepaid check of XXXX dollars. It cleared my bank account. I checked and the money was there. The excuse was that the event had been canceled because of covid restrictions. They let me keep XXXX dollars and asked me to zelle the accountant for the company back the {$2000.00}. My bank was blocked. The money left my bank account and their check bounced or was canceled. Neither zelle nor XXXX XXXX have any steps or protection for fraud. I'm left owing the bank back {$2000.00}.
Product: Debt collection

XXXX XXXX AT EXPERIAN CONSUMER AFFAIRS NOW MUST UPDATE XXXX  XXXX XXXX TO REFLECT DEBT SOLD/TRANFER/COLLECTION ATTORNEY OUT OF JURISDICTION. REPORT NO.XXXX, LOAN NO.XXXX.
Product: Credit card

Capital one and XXXX XXXX sold my account to a debt collection and their still reporting to the bureaus