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

I tried to correct payment with a credit card company belive it was Citibank. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.
Product: Checking or savings account

I opened a checking account with Truist Bank online. After a few days my account was locked for so called fraud prevention. I disagree there has been any fraud as I've verified all the information they've asked for. This appears to be unnecessary consumer harrassment. To unlock my account I'm being asked to go to a physical branch to get this resolved. There are no physical branches within XXXX miles close to my address but they do not seem to care about this. To resolve this, I've also proposed multiple options including providing more notarized information to verify my identity and to go above and beyond what they need. I've asked to speak to a supervisor multiple times, but no luck. 

If they require someone to walk into a physical branch, they shouldn't allow customers not within XXXX miles to their branch open an account online with them.
Product: Debt collection

Dear Attorney General, I hope this letter finds you well. I am writing to bring to your attention a concerning matter involving a violation of my consumer rights as stipulated under the United States Code ( USC ) consumer laws. I believe that a debt collection company has unjustly reported a negative item on my credit report, and I am seeking your assistance to address this situation. 

The violation in question pertains to the Fair Debt Collection Practices Act ( FDCPA ), as well as the Fair Credit Reporting Act ( FCRA ), both of which are integral components of the USC consumer laws designed to protect consumers from unfair and deceptive practices in the realm of debt collection and credit reporting. 

Under the FDCPA ( 15 USC 1692 ), debt collection agencies are prohibited from engaging in practices that are deemed abusive, unfair, or deceptive. This includes, but is not limited to, reporting inaccurate or incomplete information to credit reporting agencies, which can negatively impact a consumer 's creditworthiness and financial well-being. 

Furthermore, the FCRA ( 15 USC 1681 ) establishes guidelines for the accurate reporting of consumer information to credit reporting agencies. It ensures that consumers have the right to dispute inaccurate information and that credit reporting agencies must investigate such disputes within a reasonable timeframe. 

Regrettably, I have recently discovered that a debt collection company has reported a negative item on my credit report related to a debt that I believe is either inaccurate or not in accordance with the aforementioned laws. I have taken the necessary steps to dispute this inaccurate information with both the credit reporting agency and the debt collection company itself. However, despite my efforts, the negative item remains on my credit report, casting a shadow over my creditworthiness and financial reputation. 

I am seeking your intervention and assistance in rectifying this situation. I believe that the actions of the debt collection company are in violation of my consumer rights under the FDCPA and the FCRA. I kindly request that your office investigate this matter and take appropriate action to ensure that my consumer rights are upheld and that any inaccuracies on my credit report are corrected in a timely manner. 

I am willing to provide any necessary documentation and evidence to support my case. Your support and involvement in this matter would not only help rectify the situation in my personal case but also contribute to upholding the principles of consumer protection and fairness enshrined in the USC consumer laws. To be clear, I was never informed of owing this debt. I would like for this collection to be removed from my credit report expodiosuly.
Product: Debt collection

Pre-Legal Notice Midlandcredit.com Company-XXXX XXXX MCM will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACURATE ACCOUNT REPORTING.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXon my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is multiple letters now that I have sent attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Money transfer, virtual currency, or money service

Cash app allowed someone to access my account and change all of my information stealing hundreds of dollars from me. This happened on XX/XX/19. I called Cash app and had all of my old card numbers, could verify the amount of the deposits, I could verify the old information prior to the change these hackers made, all of it but they stated they could not get me in and would not help me gain access to my cash app account again. I was told that because it was changed by them I am just out all of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/2020, XXXX accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!
Product: Debt collection

I sent Sequium Asset Solutions a formal request to send me any documentation bearing my signature. They have failed to do so and stated that their verification is valid and I have to pay this debt regardless of what I say. Sequium Asset Solutions have failed to show me proof of documentation wit their company bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I asked they provide me with the proof of verification via copies of contract or documentation. On XX/XX/XXXX the agency sent a letter stating that they had completed their investigation and the items were not deleted, as requested. They said info was verified. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. This is the 3rd time I have requested this information since they are reporting this on my credit report. They have failed to do. I want this deleted immediately since they Failed to provide proper validation of this debt. This debt is also reporting as open on XX/XX/XXXX with a deletion date of XX/XX/XXXX. That makes this a 6 year old debt that should not be reporting open and being reported as new with a balance.
Product: Mortgage

Wells Fargo acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing my loan modification request for relief. I have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied me help and I never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of my file amongst each other just to create motion and delays. I intend to keep my home and I meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure without attempting to find workout relief options for me. They have mishandled my documents and my file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out onto the streets. they have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed foreclosure trustee named XXXX XXXX XXXX, and XXXX XXXX to illegally start foreclosure on my property. 
The Wells Fargo and know your rights website gave the result that I am eligible for a loan modification with the lower payment to save my property. So there is no reason why Wells Fargo should have denied my request or started foreclosure on my home.
Product: Credit reporting or other personal consumer reports

Money Lion was part of a class action lawsuit and I was awarded a settlement through XXXX XXXX due to their fraudulent practices. Moneylion paid money to me yet still continues to report to the credit bureaus as delinquent. Today they updated my credit reports and it went from collections to charge off which dropped my credit score. 

I have initiated contacted today with the XXXX XXXX XXXX due to Money Lion previously paying out a settlement yet contuing to incorrectly report information to the credit bureaus as now this is costing me money due to increased interest rates because of their incorrect reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Regarding Inaccurate Personal Information on Credit Reports To Whom It May Concern : I am submitting a formal complaint regarding inaccurate personal information that remains on my credit reports despite multiple attempts to have it corrected. Specifically, I have contacted all three major credit bureausEquifax, XXXX, and XXXX in XXXX and continuing through XXXX of this year to request the removal of old addresses and phone numbers. However, the same outdated information continues to appear on my credit file. 

The outdated addresses include : XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have also attempted to delete old phone numbers that are no longer associated with me. Despite providing the necessary information and documentation to the credit bureaus, these inaccuracies persist on my credit reports. 

Requested Resolution : I respectfully request that the CFPB : XXXX. Investigate why my requests to delete outdated personal information have not been addressed by the credit bureaus. 

XXXX. Ensure the removal of all inaccurate addresses and phone numbers from my credit file. 

XXXX. Confirm whether this issue has affected my credit profile or financial reputation. 

Supporting Documentation : I have attached copies of the correspondence I sent to the credit bureaus, along with any responses received. Additionally, I am providing proof of my current address and phone number to assist with verification. 

I appreciate your assistance in resolving this matter. Please contact me at [ your phone number ] or [ your email address ] if you need additional information. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPON REVIEW OF MY CREDIT REPORT I FOUND MULTIPLE FRAUDULENT HARD INQUIRIES ON MY CREDIT AND FALSE INFORMATION SHARED WITHOUT MY CONSENT TO THE 3 CREDIT BUREUS INVOLVED. I HAVE BEEN UNABLE TO RESOLVE THE FOLLOWING WITH INVOLVED COMPANIES DESPITE ATTEMPTS TO COLLECT INFORMATION AND REACH A RESOLUTION. THESE ARE THE FRAUDULENT HARD INQUIRIES I FOUND. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALONG WITH OTHER DATA THAT WAS SHARED WITH XXXX WHICH I DID NOT APPROVE SUCH AS THIS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report decreased 30 points the month of XX/XX/XXXX due to my spouses open account balances being included on my credit report. 
Credit bureau representative stated account didnt exist on my credit reports and he would mail me proof. Also, my points have decreased tremendously since the beginning of XXXX for no logical explanation.
Product: Debt collection

On XX/XX/2023 I received a notice on my phone that a medical debt was placed on my credit report. The debt company that placed the unfair mark on my credit report is Phoenix financial services at XXXX. The amount of the debt that was placed on my credit report is {$1600.00}, I received no notice that the company was attempting to collect this debt nor did I receive any mail of an attempt to collect this debt. This debt was placed on my credit report in violation of US credit reporting fair practices. As a consumer I deserve better treatment and courtesy before derogatory information is reported to the three credit bureaus. 

I called Phoenix financial services today and informed them that I never received any notice or messages about any attempt to collect a debt. The guys said yes I'm aware of the ambulance company not notifying people. 

Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX XXXX XXXX USDOEXXXX  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 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
Product: Credit card or prepaid card

Ive been late on occasion with one of the store cards I have that are now handled by Syncrony Financial, and when Im late they constantly call me and hang up when I answer. This morning alone I was called three times within 30 minutes. I answered the phone, the system alerts me to wait for the next person and then it hangs up. I finally got contacted on my mobile. Ive begged them to fix this on multiple occasions with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

Network Capital was refinancing our mortgages. One for our primary residence and two for investment properties. They have co-mingled with settlement amounts that supposed to be paid at the time of the settlement to borrower.

NetworkCapital has over charged us on loan points. The most disturbing point in this transaction, they have changed settlement dates ( after signing refinancing packages happened on XX/XX/2020 ) they asked to resign those packages AGAIN in XXXX ( XXXX ) 2020 and in consequence to it, the amounts belong to borrower were manipulated, and incorrect ; pay-offs original mortgage amounts were reduced, but Network Capital inflated new mortgage loan balance.

Another issue, they overcharged and did not disclosed some fees that over-sudden showed-up on Closing Disclose at the settlement date. Closing Disclose ( CD ) was not disclosed until we were at the settlement with notary : Network Capital would send us electronic CD that NOT the same that we were signing at the table. 

At the end of this transaction each refinanced property mortgage balance would be almost XXXX k larger! 

XXXX document have never been provided at the settlement, only after packages were closed, title company sent it with altered and changed amounts. When we contacted NetworkCapital with complain they provided explanation that even after second time around the escrow accounts were calculated incorrectly and they changed our escrow balances.

One more issue : original Bank payoffs were much less than NetworkCapital established for new mortgage. Just an example : Primary Residence : XXXX XXXX XXXX original bank-XXXX   payoff loan XXXX. NetworkCapital ( NC ) loan went to {$430000.00}. ( NC original loan amount estimate was {$430000.00} ) Same problem for investment properties : XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX -NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX T : XXXX x XXXX XXXX F : XXXX E : XXXX | W :  networkcapital.net Manager : XXXX XXXX - NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX | FL | XXXX T : XXXX x XXXX | F : XXXX E : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXXk XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Back in XX/XX/2019, I called to see what was the best way for me to handle my loans and apply for the loan forgiveness program, the representative told me that I had to consolidate the loans first and then apply for the loan forgiveness, I followed the instructions and consolidated but before doing so I made sure this was what I should do by asking them that I needed to consolidate then apply for the loan forgiveness and I was told yes. To come find out months later that was the wrong information and that now I have to start over with making payments for 10yrs before loans could be forgiven, I find that this is unfair and I already had payments that would have been counted towards the program had I been given the correct information and not had did the consolidation that I was told to do. This over XXXX  XXXX dollars minus 1 loan I knew did not qualify but the rest did, I feel as if I was not taken care of as a customer and that I was lead down the wrong path by a person I thought was well knowledgeable in what they were instructing and telling me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ insert a derogatory condition here, such as this account was charged off for {$4100.00} in XXXX 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and Im making this complaint against GLASS MOUNTAIN CAPITAL LLC. On XX/XX/XXXX, I received a letter from GLASS MOUNTAIN CAPITAL LLC saying that they are trying to collect a debt that I owe to XXXX XXXX I, XXXX. First, the name on the letter is wrong and not my legal name. Second, I have never signed a contract with XXXX XXXX I, XXXX, so I am confused on how GLASS MOUNTAIN CAPITAL LLC, which is a debt collector, is trying to collect a debt for another debt collector. I haven't even given GLASS MOUNTAIN CAPITAL LLC any permission to use any of my identifying information to contact me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I am demanding a cease and desist of all illegal activity, any communication, and collection activity of this alleged debt until GLASS MOUNTAIN CAPITAL LLC can provide me with sufficient documentary evidence, like a contract agreement with my signature that says I have any legal obligation to pay GLASS MOUNTAIN CAPITAL LLC or XXXX XXXX I, XXXX on this alleged debt. I have attached both a conditional cease and desist and debt validation documents to this complaint.