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

On XX/XX/2018 my employer notified me via email that there was a data breech and all employees W-2 's were stolen, and that we should be aware and monitoring our credit. On XX/XX/2018 there was a hard injury made from Axcess Financial in XXXX, OH. I immediately froze my credit and contacted Axcess Financial to notify them that I did not make this injury and it was fraudulent. They requested I fill out a report and send several supporting documents. I completed their requested documents and mailed them via certified mail on on XX/XX/2018. The certified mail was delivered and signed for at Axcess Financial on XX/XX/2018 at XXXX. Axcess Financial has continued to ask me to mail the same documents because they've said they've never received them. I repeatedly advised them that I mailed the documents via certified mail and they still have not been able to find them. They have most recently ( XX/XX/18 ) sent another email telling me they will be closing my case/fraud complaint due to the fact that I have not provided them with the requested documents. I again told them I mailed it certified mail and it was signed for on the above mentioned date. They have requested the tracking number for the certified letter, which I have declined to give because I've already given them the time and date the letter was delivered to their agency.
Product: Mortgage

FLAGSTAR BANK " APPROVED '' LOSS MODIFICATION PROGRAM CANCELLED AND FORECLOSURE STARTED... 

l appealed a recent Loss Mitigation disapproval from Flagstar Bank based on the fact that after completing a 12 month forbearance plan due to XXXX XXXX  and the death of a spouse I applied for my 1st loss mitigation plan a few months ago of which I was approved and completely complied with by completing the 3 months of trial payments and a XXXX payment this XX/XX/2023 and because I did not receive the final documents to finalize the loan modification due to my loan documents being left on my front porch by XXXX I was informed by Flagstar Bank that the original plan that I was approved for was cancelled and that I would have to restart the entire loss mitigation program all over again which I felt was very unfair based on the fact that I did fully comply with the terms of the original plan that was given to me in making the required trial payments and due to no fault of my own did not receive the fedex packet of information to finalize the previously authorized and granted loan modification. 

After submitting a XXXX loan modification request foreclosure proceedings were suddenly started on my home without my knowledge due to nonreceipt of additional loan information that Flagstar Bank never informed me that was needed until after they had actually started the foreclosure proceedings. 

I requested an appeal of Flagstar 's most recent disapproval decision based on the following : 1 - I did comply with and satisfied the requirements of the original loss mitigation plan per Flagstar Bank 's request by completing the 3 months of trial required payments per that plan in a very timely and exemplary manner and my previous loan modification was APPROVED and then cancelled after the receipt of XXXX payments because I did not receive the loan finalization documents from Flagstar Bank. 

2 - My 2nd loan modification was disapproved due to nonreceipt of information that I was never informed that was needed by Flagstar Bank to complete the application. 

3 - My financial situation has significantly improved since I initially applied for the original forbearance plan through debt consolidation, paying off of bills and the addition of {$850.00} that was added to my monthly income through the Social Security Administration and based on my current monthly income and expenses I am now ready and would like to resume my mortgage payments per the reinstatement of the previously approved loan modification plan approved given to me by FlagstarBank or a new loan modification plan. 

Thank you for your assistance in regards to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$560.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I wasnt able to answer the call but they called back to back a total of 5 times all within a minute at XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$230.00} was revived from XXXX  sale funds held fro shipping confirmation tracking shows as customer received XX/XX/XXXX it is now XX/XX/XXXX & Paypal is still holding {$220.00} I constantly call get a run around ask for a supervisor put on hold for hours to then be hung up on and start the never ending cycle all over again
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

9. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
Product: Credit card or prepaid card

Credit cards/store cards were opened in my name and birth date with a social security number that is not mine. These accounts have been reported to  XXXX   XXXX   XXXX  in which are harming my credit. I have disputed these account 8 times and  XXXX  a long with these companies have yet to do the right thing and remove these fraudulent accounts off my credit file.
Product: Credit reporting or other personal consumer reports

I checked my credit report today, XX/XX/XXXX and saw inquiries on my report that I did not authorize and of businesses I do not recognize. 
Inquiries on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX -Ally financial on -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these following inquiries were not authorized Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXOil And National Credit CardsXXXX XXXX XXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX XXXX Show DetailsXX/XX/XXXXBanking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXXFinance XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXXXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards
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 physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 

I have already disputed these items, but the bureaus did not remove them nor prove validation. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

ON XX/XX/2022 I RECEIVED AN EMAIL FROM " XXXX XXXX '' STATING I WAS CHARGED { {$350.00} } FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL. I CALLED THE NUMBER AND " XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF { {$350.00} }. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF { {$35000.00} }. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME { {$35000.00} } INSTEAD OF { {$350.00} } AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED ONE QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY XXXX OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF { {$34000.00} } WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. THE TELLER COULDVE TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. I WENT BACK HOME WHERE XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO FRAUD DEPT AND FILED A CLAIM. TELLER FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A XXXX XXXXXXXX AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME DISTRESS AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " CHIEF OF ACCOUNTS '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS ELDER CUSTOMER.
Product: Debt collection

I recently contacted Diversified Consultants regarding an account listed on my XXXX credit report as a paid collection. The account listed was paid to the original creditor after it was discovered that the original creditor ( XXXX XXXX XXXX ) was sending correspondence to my previous address of service and they had not updated their records to reflect my new service address. I have three separate accounts with the original creditor and have never been late with any payments on these accounts. I was assured by the original creditor that this matter would be resolved but after several attempts through mail and by phone with Diversified Consultants this paid collection still remains on my XXXX credit report. This account is the only blemish on my credit report and i respectfully ask that it be removed as it was paid as agreed upon to the original creditor.
Product: Debt collection

PORTFOLIO RECOVERY IS IN BREECH OF FRCA. THEY HAVE AN ACCOUNT ON M CREDIT I DO NOT OWE.
Product: Checking or savings account

I open our account with Navy Federal in XXXX. Only reason why is because Navy Federal was not charging for overdraft in XXXX the account was closed due to overdraft fees.
Product: Payday loan, title loan, or personal loan

This is a continuation of complaint XXXX. US Bank never responded that they had sent me the title with my name on it without a lien. They claimed the virus was the issue however once again they failed to acknowledge my complaint about the fact that 4 months after paying to loan off, my name was still not on the title. Since US Bank removed my name from the title on XX/XX/2020, the loan releases they supposed sent out in XXXX and XXXX would have done no good since my name was not on the title. I did not receive any correspondence nor phone calls from US Bank up until the first claim was submitted. We are now in the XXXX month and the title is still not in my name. Since CFPB has closed the first complaint without a resolution, I am sending another complaint. Last contact with US Bank was XX/XX/2020 with my request for them to complete the transaction so I can use the truck I paid for in XX/XX/2020. Also, my insurance company was never notified that I had paid off the loan back in XXXX 2020.
Product: Debt collection

I work as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The organization owes a debt to a vendor. The debt collector, Caine & Weiner states to be representing the vendor to collect the debt in the amount of {$7200.00} and has repeately tried to contact me personally by calling and leaving a voice mail on my personal cell phone ( on XX/XX/2023 ) and sending notices to my home address ( on XX/XX/XXXX. ) My colleague emailed the debt collector from his work email on XX/XX/XXXX asking to send all communications regarding the debt to the organization 's direct phone number and business email only. Today, XX/XX/XXXX I emailed the debt collector from my work email requesting to stop contacting me personally regarding a debt owned by my employer.
Product: Debt collection

XXXX started this whole ordeal, prior to them taking me off of XXXX XXXX deal with older people getting phone service cheaper. When I saw my TU report that XXXX XXXX, had gotten this, back in XX/XX/2018, I disputed the charges with this agency, but have not been able to dispute this with this collection agency, XXXX I've never got any mail notification, from them since they had gotten it from XXXX since I've gotten this information off my credit report thru TU, back on XX/XX/2018. XXXX is the culprit of this whole ordeal. I told them I wanted a landline phone, with caller ID only, they wouldn't accommodate me. They decided to turn me off completely from their services. So much for Technology.. all XXXX  wants if money!
Product: Money transfer, virtual currency, or money service

Afterpay is supposed to refund me XXXX for a return on a purchase I made they only sent me a refund amount for XXXX + XXXX they still owe me XXXX
Product: Credit reporting or other personal consumer reports

I did not give anyone permissible purpose to inquire from my consumer report. This is a result of identity theft and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report Date : XXXX XXXX, 2017 Report : XXXX XXXX XXXX XXXX XXXX is wrong no such Address XXXX XXXX XXXX XXXX is wrong no such Address these are not my address as stated before. 

Please provide proof to me these address that there my address current or prior. 
There is no unit and these are condo units each one has a number nit an address as Experian just shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  XXXX Balance : {$370.00}
Product: Mortgage

We refinanced our home over 18 months ago XXXX never recorded our mortgage satisfaction, now we are in the process of selling and our buyers title company has an issue with the mortgage satisfaction not being recorded even though we have full loan payoff paperwork and are 100 % current.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my credit report that I would like to get removed XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> - XX/XX/year> Ally Financial XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - XX/XX/year>
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by Equifax, XXXX, XXXX, and XXXX XXXX.
Product: Mortgage

I have called NewRez LLC numerous times in regards to a credit dispute of a missed payment. The first inbound phone call, XX/XX/2022, call ended with a NewRez employee that incorrectly entered my account information for an ACH transfer causing a payment to not go through and become late. The second phone call XX/XX/2022 from NewRez to collect again ( due to the first ACH wire transfer not going through ) failed because they again used the incorrect account information entered by the first employee. The XXXX key on the original employees keyboard was not registering and the error was not caught by her or the second employee The account number was missing both XXXX. I was told that XXXX XXXX would listen to the recording, remove the late payment fee and wipe the credit score report. This never happened, the email was never responded to and I was left with impacted credit and late fees. From this point on all contacts were initiated by me, hours of my time spent waiting on hold only to get a different story after each phone call. They weren't even sure what month was actually late at that point. 

I have now paid 2 late fees and suffered a credit drop impacting my ability to do business. The communication from NewRez is non existent and phone calls usually end with the employee telling me to log in to their website and self service my loan. I have now requested a paperless account numerous times both over the phone and on the companies website due to our mail being un-reliable. It has never gone through, this entire situation could have been avoided if my requests for email servicing would have been taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not try to get a car loan and I have several new inquires for auto financing. I called the credit companies and have had no success getting them removed. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well Transunion, XXXX XXXX responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX  XXXX  has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, Transunion, XXXX. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX  XXXX   and attached is a copy of the delivery notice that the company received the letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit Reporting agencies. The information in question is related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Upon reviewing my credit report, I have identified several inaccuracies in the accounts listed above including Statue of Limitations. Due to these inaccuracies, I am formally requesting that the information be thoroughly Investigated and verified with all documents used to verify copies sent to me. If they can not be verified as accurate, I request that they be removed from my credit report entirely. The inaccuracies of these accounts are affecting my credit score and financial standing unjustly. As per my rights under the FCRA, I demand that the issues be resolved within the legally specific timeframe of 30-45 days from receipt of this letter. Failure to address and correct these inaccuracies will leave me no choice but to seek Legal action. Under the FCRA, I am entitled to collect {$1000.00} in damages for each inaccuracy present on my credit report.