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

The credit bureaus are not following the laws. I showed them multiple times of how they were violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy. According to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX  without my consent and knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries on my credit report that I didn't make. I've contacted the companies and the bureaus and was notified to file a complaint to get the credit bureaus to take them off.
Product: Checking or savings account

I've spoken with account recovery dept regarding following issue, rep was unable to resolve matter, referred to XXXX for resolution ... Wells Fargo account closed with negative balance in amount of $ XXXX, this amount includes two deposits in amount of {$50.00}, a credit reversal in amount of {$290.00}, which is a debit card purchase from XXXX, item ordered, never received. The item, a XXXX t-shirt, was sent via XXXX and as explained numerous times prior, XXXX  driver has a habit of forging signatures and leaving packages where they can be lost/stolen.. Previously, the driver signed for a package using signature " XXXX XXXX '', no one by initial M lives at my address. In fact, I live alone. The XXXX package was signed as " XXXX XXXX '' due to complaint filed about prior forged signature, " XXXX XXXX '' .. XXXX refused to take any action regarding lost package, accepts signature as my own despite forgery and fact I never sign my name as " XXXX XXXX XXXX.. I've detailed this in prior CFPB complaints, Wells Fargo refuses to credit amount back to account, the amount of {$290.00}. The account, XXXX, is now closed, Wells Fargo is attempting to collect on it, referred to their recovery dept for payment. I will reiterate again as I did in prior CFPB complaint in re, I do not pay for items I did not receive, nor will I ever, Wells Fargo needs to simply credit amount back, failing that, remove account from credit reporting.
Product: Credit card or prepaid card

On XX/XX/2022 I made a Purchase using my Macys American Express card ... .which is doing business as Citibank N.A . I made a purchase in the amount of {$610.00} to XXXX XXXX XXXX which has no legal address ... .to do a website for me ... XXXX XXXX XXXX kept calling for more money to maintain the web page upward to {$1600.00}. the party calling all the time was XXXX XXXX employee for the XXXX company. 

Because he call so much ... ... I didn't wont the website even built ... .I Made disputes with Citibank N A Credit card company they refuse to credit my account. 

by the way... .no website was ever developed.
Product: Mortgage

PLEASE ANSWER THIS COMPLAINT AND NOT ANY PRIOR COMPLAINTS This company has answered some complaints that they are a servicer for XXXX XXXX and then they changed their answer that they are a servicer for Newrez but now they have sent another inspection company to deem my home abandoned, tried to gain access to change the locks and went into the yard thru a latched gate without permission and they say they have been being paid by XXXX XXXX since 2017 and this is definitely a XXXX XXXX loan. When I demanded they update my file to show that my home isn't abandoned and I have been represented by an attorney the entire time they have had me in court - I was told that they have the authority of the Federal Government to act and will come back if I don't answer in XXXX days the next time. Imagine that? An entity that IS NOT the Federal Government is using their authority to gain access to a citizen 's home and allegedly they aren't even involved in this loan.How is this even possible? Maybe you guys can get more information from XXXX services in XXXX FL- they claim to have the power and authority to enter my home and change the locks without any law enforcement present. That sounds like a few violations of my Constitutional rights. Now here - once and for all I would like the TRUTH and a straight answer. I would like CFPB to do their job and investigate this company for fraud. They have held up my life for XXXX XXXX XXXX XXXX  of which were in court and they have had plenty of time to garner the information necessary for me to proceed and ANSWER my questions FULLY as their obligation to ME as servicer for this " loan ''. I am attaching the QWR again for full and complete answers to the pertinent questions I have been asking. Please also note that the XXXX XXXX website STILL says they own my loan, the Shellpoint website says they're a servicer for XXXX XXXX on this loan and when I called and chatted online with Shellpoint, both customer service people VERIFIED THIS IS A XXXX XXXX XXXX. So now,, if they respond to this complaint AGAIN that they apologize for ever saying this was a XXXX XXXX loan then they ARE LYING. I find it ridiculously hard to believe that the CFPB has allowed this behavior and, in my opinion, became complicit in this illegal activity and should also be investigated as such.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$25000.00}
Product: Debt collection

In XXXX I sought legal counsel and hired the XXXX XXXX XXXX  XXXX XXXX after having been served with a Civil Complaint by Midland Funding. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to Midland Funding informing them that I was represented by her firm and served them with her XXXX form. Then, on XX/XX/2019 her office called and spoke with Midland requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with Midland for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 )  business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from Midland stating that Midland was closing my account and ceasing collection actions against me. My attorney was in the process of responding to Midland to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from Midland. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to Midland outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, Midland is now ignoring my attorney and has refused to respond to her. Midland 's actions are egregious and should not go unpunished.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The lease was set up through XXXX XXXX. XXXX XXXX continues to incorrectly bill me each month. I have contacted XXXX XXXX myself with no success. I went to the dealership to enlist their help. We have had numerous ( too many to count ) phone conversations, emails and such with them trying to resolve this. I have been told multiple times that the issue is resolved, only to get my bill the next month with incorrect fees again. This all started when XXXX XXXX tried to charge me sales tax on the rebates that were part of the transaction. Those fees were paid to the dealer by me and to the State of Wisconsin by the dealer at lease inception. The dealership had to explain to XXXX XXXX   how leases get taxed. XXXX XXXX should know this!!!!!! The lease tax issue finally got corrected in late XX/XX/XXXX, over a year and a half into the lease. XXXX XXXX has and continues to assess late fees, past due fees and such when I never should have been billed for them in the first place. I am very concerned about the effect this has had on my credit. I am unsure if they are reporting late payments on my bureau or not. The dealership and I have continually asked for something in writing from someone to prove that this has been resolved. I have never received anything. The customer service at XXXX XXXX is beyond poor. My experience has been extremely frustrating. No one seems to care. It is not my job to correct their mistake. It is also not the job of the dealership to tell a financial institution how to bill correctly. The dealership staff has also put in countless hours trying to resolve this for me. I should have been billed {$86.00} per month from the start. If they knew what they were doing, this whole situation never would have happened. This has consumed enormous amounts of my time and has put undo stress upon me and my family. I want something in writing from XXXX XXXX that states that they have corrected my account once and for all. I also want something in writing from them guaranteeing that they have not reported any late payments to the credit bureau. I have attached payment statements, my original lease contract, emails to XXXX XXXX  and a list of people involved. I also think i should be compensated for this. I am over two years into my lease and XXXX XXXX still can not figure out how to bill this. I have already filed 2 complaints with the Wisconsin XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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.

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: Debt collection

Carrington Mortgage Services violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.
Product: Credit reporting

Equifax ignored the main disputed item that is a duplicate and more than 7 years beyond the federal statute of limitation, and reinserted a previously deleted item that did not belong to me.
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX that my account was closed due to my " history of account usage ''. It was one of my oldest credit cards ( since XXXX! ) and I have always used it correctly and paid off the full balance each month. I had called the bank Barclay since then for more than 5x, inquiring the exact reason why they closed my account. But they were not able to give me a personal explanation, other than repeating that same phrase over and over again. When I googled it, I found many cases of account closure were cited with the exact same " reason ''. I'd like to contest the decision, not knowing why exactly my account was closed and not being able to defend myself in case of a gross misunderstanding. It's also a shady practice to choose to close my account at this particular difficult time. What a shame to be their loyal customer for 8 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX XXXX XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Mortgage

My mortgage was with ocwen. I go to pay my monthly payment it says I ca n't. I call Ocwen they tell me they sold my mortgage to XXXX. No one ever bothered to even notify me. I call XXXX and ca n't get through to anyone.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase in XXXX because it appeared to be a *responsible* platform for my virtual currency and based in the US. 

On XXXX XXXX, XXXX, I created a XXXX wallet and since then my account has been under review. Except for the email that states that my account is under review, I have received no communication from the company whatsoever. 

I am fine not using the Coinbase platform but I am requesting immediate access to my funds. I am happy to provide whatever documentation is required to prove my identity.
Product: Debt collection

World Finance have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX XXXX. My bankruptcy has currently been completed as of XX/XX/XXXX. Doing the bankruptcy I didnt include my mortgage. I paid it outside of the bankruptcy. Regions Mortgage and Bank will not report accurate information on my first and second. The bank says its the credit company and the credit comapny says its the bank.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year>, and XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided all of the necessary information to Experian via their website and the website said they can not place a credit freeze on my account at this time and I have to send all my information by snail mail. I would guess I freeze and unfreeze my credit once a year on average and Experian always says they can not do it online. What's interesting is that I never have any problem freezing and unfreezing my credit with XXXX or XXXX. Also, neither XXXX nor XXXX is as aggressive about selling identity theft protection as XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX TransUnion Consumer Disputes XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute Regarding Late Payment on XXXX XXXXXXXX XXXX  Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of a late payment on my credit file related to my account with XXXX XXXX XXXX ( Account # XXXX ). I recently disputed this issue, but I have noticed that while my dispute was acknowledged, no updates were made to the status of this account. It remains incorrectly reported as late for the month of XX/XX/XXXX. 

I would like to clarify that I was **not late** on this account and that the information reported is inaccurate. As per my records, the account was paid as agreed, and no late payments were made for the month of XX/XX/XXXX. I demand that you provide me with the **documentation and proof** that substantiates the late payment for this account. Specifically, I am requesting the original transcripts or records from XXXX XXXXXXXX XXXX  that clearly show I was late for the XX/XX/XXXX payment period. 

Furthermore, as this issue was previously disputed but no changes were made to my account, I am requesting that if you are unable to provide the required documentation, you **immediately update the account** to reflect the status of " OK '' or " Paid as Agreed '' for the XX/XX/XXXX reporting period. 

Please respond to this request promptly, as the inaccurate reporting of this late payment is negatively affecting my credit report. I trust that you will take the necessary action to rectify this situation and ensure that my credit file reflects accurate information. 

Thank you for your attention to this matter. I look forward to receiving a timely response. 

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

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX has reported an unpaid balance and account abuse to Chexsystem. Also XXXX XXXX XXXX ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXX has reported an unpaid balance and account abuse to Chexsystem. Both of these accounts were opened fraudulently without my knowledge. Please assist me with getting both of these accounts removed from my consumer reports. Thank you.
Product: Credit reporting

Hi, Ca n't reach any companies by these names.Do n't know if these accounts are mine. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I signed a contract through " Anyone Rides XXXX '' at " XXXX XXXX XXXX XXXX, XXXX, WI XXXX '' for a loan to fix my car. Months later, I got charged insane interest rates despite missing about XXXX or XXXX payments. After I paid it off in full on XX/XX/2023, I contacted XXXX XXXX when it would be reported, On the first call the agent claimed that the report would pop up in XXXX months. 2 Months later, on XXXX, I see nothing on my credit report so I wait until XX/XX/2023, to see if it shows up, nothing yet. I called XXXX XXXX today at XXXX AM, the agent claims they report at the end of each month, so the end of XXXX is what the agent claimed. I then say okay, so I check in with the XXXX agent and the agent sees nothing about XXXX XXXX on my report or any accounts.