23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

An account was opened in XXXX with an open balance of {$700.00}. In XXXX of XXXX, this account was reopened on my Credit as a derogatory XXXX bringing my XXXX XXXX down almost XXXX pts. Once again from 2 years ago. I do not understand why this was re-reported 2 years later. That should not have happened. My intent was and still is to handle the balance from XXXX but it should not have been a hit against my credit again 2 years later like a new account.
Product: Mortgage

well according to Mr cooper all of this has been made up in my head and they are so sorry for my dissatisfaction After all the lies and trickery last year and skating by on technicalities They continue to call me even after I filed a Cease and desist with the FCC. They made nasty malicious lies about how Im attacking them fabricating facts or trying to get free housing or words to that effect this complaint just shows MR COOPER IS A XXXX  again ill attach the letter where they claimed that they needed time to get my number removed etc and another saying that they wasn't aware of this and they will cease communications with me cause of nasty emails i sent. WELL I WAS SENDING NASTY EMAILS CAUSE YOU LIE ALL THE TIME AND HURT PEOPLE. IVE BEEN HURT AND IM FIGHTING AGAINGT A HUGE COMPANY AND IM JUST ONE PERSON and it hurts to have to deal with the lies and people not admitting when they are wrong and passing the blame on the small guy SHAME ON YOU MR COOPER!!!... OH NOOOO THIS IS REDUNDANT INFORMATION AGAIN CAUSE YOURE DONG IT AGAIN AND it gives credence to what ive been saying all before about all those OTHER pesky errors you love to REFUTE so much ... YOU CAN NOT be trusted to do the right thing even after you put it in writing to appease the regulators your deception is so obvious ... SHAME ... NO HONOR.. XXXX!! Mr cooper you even used my " nasty '' emails when i was angry and emailed after you lied to misrepresent me so you used that to make it look like your hands are tied and Im just unreasonable SHAMEFUL attached is the call that occurred this year, the docket number with the FCC complaint i Filed in XXXX last year and Both of Mr COOPER letters lying to CFPB and the Pa Attorneys general and a Pennsylvania banking an securities email as well in where im telling about Mr coopers Tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE REPORTING MISLEADING AND INCORRECT INFORMATION ON MY CREDIT REPORT. THEY ARE REPORTING A COLLECTION AGENCY NAMED XXXX ON MY CREDIT REPORT WHEN I HAVE NO ASSOCIATION WITH THIS COMPANY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX AND THEY SOLD THE ACCOUNT TO COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXXXXXX. YOU ARE ALSO REPORTING DIFFERENT DATES FOR DATE OF LAST PAYMENT AND DATE LAST ACTIVE. HOW IS THIS ACCURATELY REPORTING WHEN ALL DATA FURNISHED SHOULD BE CONSISTENT? THIS IS A COMPLETE FCRA VIOLATION INCLUDING REPORTING A DIFFERENT COLLECTION AGENCY FOR THIS ACCOUNT. I AM DEMANDING THAT THIS ACCOUNT IS DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00}
Product: Debt collection

LJ Ross Associates IN XXXX XXXX MI XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

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

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on SSDI fixed income i am XXXX looking for a place to live. I had a secured CC $ XXXX limited.i used it to build my credit after transunion erased my history because I tried to change my address to correct after giving all kinds of proof they said ok but now you have no history so I spent around $ XXXX building got it to XXXX well I am looking into home purchase I needed the $ XXXX secured to CC with XXXX I will get a new card unsecured use the money for down payment. As soon as I paid off CC closed it to get different card put XXXX in savings. I have know debts. But transunion dropped my score 68 points putting me from good XXXX to a borderline poor/fair for paying off card. Now I can't get the new card and no chance of buying anything not only that but they erased my XXXX years of perfect payment so I have no chance of doing any of my plans to find a place to live they screwed me royally just like wen I asked them to use correct address they erased everything. The first time I had financed a truck and motorcycle but they erased that that history was 10 yrs at least. They still won't change my phone num, not wat they have on file. BECAUSE I PAID OFF MY ACCOUNT TO PURCHASE A HOME THEY DROPPED MY SCORE 68 POINTS ERASED MY PERFECT 11/2 YRS OF PAYMENT HISTORY. LEAVING ME W POOR CREDIT AND NO HISTORY THEY WOULD RATHER ME LEAVE $ XXXX ON CARD PUT IT IN A DRAWER RATHER THAN USE IT TO BY A HOME I CANT AFFORD TO LEAVE $ XXXX SITTING IN A DRAWER TO MAKE THEM HAPPY. Now I have no chance of purchasing home can't get new card because now it has to be secured again I need that cash to live on I am basically screwed no home no CC all because I paid off my card. I am so mad I am looking into an attorney to file a law suit. Who governs these co. That who I need to talk to.they also kept derogatory info on account for 3 yrs after equifax removed transunion finally cleared after 3 disputes messing w my credit that whole time keeping me low points. I am out for blood I will do wat it takes file wat ever I have to testify in court they are screwing up my well being especially during covid I have been working on this for 5 yrs and gone in one day all the money I spent to get my XXXX just to purchase a home all history now thanks to trans union. I will be working up corporate ladder someone will eventually listen starting with XXXX XXXX and XXXX XXXX offices. If you have any leverage I thank you like to settle out of court but I am in for the long haul someone needs to make an example for others I know I am not the only one. And to do during Covid that takes a real dirt bag of a co. To do that EXTREMELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have already paid off my loan. My final payment was on XX/XX/2020. 
They completed the final payment processing on XX/XX/2020. 

Since then I have been contacting them to get my original recorded lien release document, but I am getting round about answers and answers like it will take 30-45 business days. I have contracted them at least 3 three time within this 4 months I been waiting. Today I was on call with them for more than 1.5 hours and they finally told me, release has been recorded with the county on XX/XX/2020, but they were unable to answer when will I receive original document. They also would not tell me when will I receive this document, even after it is recorded. Customer support representative told me she has to submit yet another request to their " internal department '' to figure out how long would it take to get this document in my hand and said there is no way for me to talk to them directly. They also put some blame on Pandemic, which is understandable and initially I understood that, but it seems little ridiculous after 4 months.
Product: Debt collection

Debt was originally acquired with XXXX XXXX XXXX  and then sold to a dept collector following my XXXX  XXXX Bankruptcy Order Of Discharge. 
DEBT BUYER MIDLAND CREDIT MANAGEMENT XXXX... for {$1200.00}
Product: Mortgage

This is in regards to my mortgage ( Loan # XXXX ) with Wells Fargo. 

I recently had to pay {$360.00} to Wells Fargo for them to perform an appraisal of my property ( XXXX, CO ) for PMI purposes. A full appraisal was performed on XXXX/XXXX/15 and I received a copy of the final appraisal report on XXXX/XXXX/15. On XXXX/XXXX/15 Wells Fargo called me to confirm I received the appraisal report, then at that time we discussed potentially refinancing my loan given recent rate activity. The mortgage consultant I dealt with ( XXXX ) mentioned that an appraisal would be necessary for the refinance and then confirmed via email that I COULD NOT use the XXXX I just bought through them for {$360.00}. 

This appraisal is less than 30 days old, it was purchased through them, and I just paid {$360.00} for it - yet now they are telling me it is not valid and I need to turn around and re-purchase the exact same thing from them again in order to refinance my loan. This is predatory behavior and Wells Fargo is trying to take advantage of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My son is XXXX years old and he lost his debit card. At that time he did n't have any money on his account, when he told me he lost his card i said there 's no money in it. my understanding debit card works when you have money in the account. When we open the student account with Chase, they said for student account we can not withdraw more than {$400.00}. After couple of days of losing the card we received a letter with the image of the fraud check my son 's name was spell wrong, signature was not my son signature, and the come from a company from New York and my son does n't have any connection to New York. IF IF my son did this check for deposit how come he CAN NOT write his own name correctly. Please check the deposit slip. This withdraw happened on XXXX for {$750.00}. And i was questioning the dispute department of Chase bank how come i have not received any alert from you guys since we signed for it, so the account drop to XXXX and also XXXX as returned check. After 2 days another withdraw fro ATM for {$1700.00}. Up to now the account has around -2500.00 and I have NOT received any kind in from and alert from bank. Meanwhile Chase freeze my account to have back up and they want to take the money from my account. I 'd like to compliant Chase bank since they did not follow the agreement, they did n't sent any alert, withdraw more than {$400.00} and denying my case after hours and hours on discussion the phone. we talked on the phone on speaker my son said these transaction are Not valid but they are saying he said IS valid when my son asked if I said, I want hear my voice but they said, '' sorry, we ca n't do that ''. I really do n't know what to do. Please Advise. Thanks so much
Product: Debt collection

I have sent a letter to the Collection Agency, XXXX  XXXX  disputing a collection account of XXXX dollars on my credit report. The original creditor stated is XXXX XXXX  XXXX and the information on my credit report is inaccurate. On XX/XX/2022, I sent a letter via XXXX Certified Mail Return Receipt Requested requesting validation of this debt including any document that contained my signature. I received the signed Return Receipt on XX/XX/2022 at XXXX am. According to the FCRA, the company had thirty days from receipt of my letter to provide validation of the debt. As of today XX/XX/2022, I still have not received anything from this company regarding the letter I sent on XX/XX/2022. XXXX XXXX has not complied with the FDCPA and are now in violation of the act. According to the FCRA, section XXXX ( b ). PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

TCF bank has used an unending practice of hitting my checking account with multiple fees. It has been going on for months. Last fall, I went to the bank and asked for assistance with my account and how to solve the problem with all of the OD fees.

OD protection was not an option they would entertain. A personal loan for a bridge was not approved or even encouraged. Instead, the representative pushed me to apply for a credit card. I didn't do the application. It seemed odd that he kept pushing for a credit card and didn't jump on the opportunity to really assist a customer with budgeting and/or problem solving. 

Over the past several months, nearly all of each paycheck has been eaten up with, fees. Leaving very little for basic necessities and bills. It has pushed my issues with XXXX, XXXX and XXXX to be a debilitating aspect of my life.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX These are all collection agencies that Ive been asking XXXX  , XXXX  and Experian to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.
Product: Debt collection

Well first thing I get is a writ of garnishment from my employer that's the only attempt I know about
Product: Debt collection

My recent credit report reveals several accounts that appear to be fraudulent and were added without my permission.
Product: Debt collection

I am receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is Ms XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. 

I believe I am due damages I have called asked them to stop, they resume calling the next week. This time it is MS XXXX, last time it was
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XXXX2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

My Bank Account was compromised after my identity was stolen. The person who done it was able to access my account and transfer over XXXX to a crypto wallet. The bank never reimbursed my funds saying and never really gave me any explanation even after i hired a third party to located my funds and they were able to show a report of where my money went. I was clearly scammed and the bank never returned or protected me.
Product: Checking or savings account

There were unauthorized charges on my account yesterday after the bankers said they were closing my account because of a fraudulent check that was written for XXXX when the payment i made was less than or equal to XXXX. I acquired this information on telephone banking which is a feature i like about the bank, as i cant access online banking due to inability to find the right phone service carrier for a home line.
Product: Credit card or prepaid card

First Digital credit card opened in my name, called them and sent them FTC report. they have failed to remove or reach back out. affidavits sent and numerous calls. card opened and balance reported as late pay is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX way XXXX, MA XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I have recently pulled my credit report and notice their is a collection listing from your agency i have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is a contractually bound to pay off this debit or stop collection activity, Pursuant of suing and remove all together. 

Please attach the copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
complete payment history on this account, to prove that amount you wish to collect is correct. 
I hope your legal staff that noncompliance with this request will result in legal trouble for your company sincerely, XXXX XXXX
Product: Debt collection

I submitted a debt disclosure statement to USAA federal Savings Bank in reference to validate a loan. They responded back on XX/XX/2022 not validating the debt per the Truth in Lending Act at 1-5 U.S.C. 1601-1667f and 15 USC 1692 et seq.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries from some auto financing companies they ran my credit on XX/XX/year> without my permission..my credit report have XXXX different banks that ran my credit score I never gave nobody permission to run my credit report I called them in I dispute them over the phone its still on my report its really hurt my credit can someone please help me
Product: Credit reporting

I initially sent a dispute as the info on my Experian Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureaus. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.