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

I have sent letter to Transunion over 6 times requesting that they send me proof of verification of Late payments from the DPT EDXXXX with account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. File number XXXX from my investigation results that I received on XX/XX/2022 from Transunion did NOT include proof of VALIDATION. It is the credit bureaus responsibility to ensure accuracy on my consumer profile, this grounds for removal of late payments. Transunion has violated my rights under the 15 USC 1681 section 602a which clearly states 1. I have the right to privacy they have also violated 15 USC 1681 604a section 2 that states a consumer reporting agency CAN NOT furnish any account on my consumer report with out my written consent, I did not consent to anything being reported on my consumer report.
Product: Mortgage

I XXXX XXXX XXXX have been fighting to save my home from foreclosure for over two years. My financial difficulties began by the breakup of my previous marriage. After nearly {$200000.00} in loses I was able to regroup and start my life over, paying off over {$100000.00} in expenses and bills left from my marriage. I spent the better part of one year submitting the necessary documentation to modify my existing mortgage with originally XXXX XXXX XXXX, especially after a foreclosure motion was filed against my home. I hired a local attorney to represent my position, and upon review of hundreds of pages of documentation, a local judge decided that I was within my rights under the Fair Debt Collection Practices Act to modify my mortgage. For that matter, my rights to protect my home from foreclosure was violated under the Fair Debt Collection Practices Ac addendum of XX/XX/XXXX. I have since remarried, and my mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX then to Freedom Mortgage Services. My modification was approved firs by XXXX XXXX, then again by Freedom Mortgage XXXX. On XX/XX/XXXX I submitted my second approval paperwork with Freedom Mortgage Services after making my here probationary mortgage payments. Mortgage payments are still being taken from my bank account on a bi-weekly basis. Suddenly beginning this month, I stared receiving threatening messages that my home would go back into foreclosure if my modification was not signed off by my ex-wife XXXX XXXX. My relationship with her is hostile, especially after my marriage to my new wife. She will not now sign off on the modification, even though my divorce decree was filed with all three mortgage servicers along with a copy of the quit claim deed. I believe that as long as I fulfilled my probationary payments and filed notarized copies of the approved modification where XXXX XXXX was excluded, then my modification is valid and must be honored and filed with the county clerks office. I am filing this complaint stating that my rights are in violation with the Fair Debt Collection Practices Act and The Fair Credit Reporting Act. I am notifying my attorney to file a counter lawsuit based upon these violations if this last modification where I am sole responsible is finalized. No further threats of foreclosure will be accepted or tolerated. 

XXXX XXXX XXXX
Product: Mortgage

CitiMortgage has failed to properly service our mortgage loan and we are facing a foreclosure sale. We had to file bankruptcy to try to get our payments back in line, but it is only a matter of time before our home is lost through foreclosure. We feel this is very unfair since they have never completed a review for mortgage retention options, even though we have complied with every request they have put in front of us. We killed an entire forest of trees trying to get them the documents they needed over the last few years, but this has yet to get our loan to their underwriters. We fell on difficult times financially and fell behind on our mortgage payments. We had no other choice given the situation we were in at the time. We have tried for years to work with CitiMortgage, but they have not provided any offers of loan modification or repayment plan. We feel though that their representatives have treated us with indifference towards our situation and have never really worked on getting our mortgage payments back in order. Our income was reduced when I suffered business losses and then my wife lost her job a short time later. Now that we are in foreclosure and apparently will be facing imminent eviction, we need your help to ensure that we have the opportunity to save our home. It would certainly be travesty if we lose our home due the inability of CitiMortgage to get our information into a reviewable format. We also have never had a single point of contact with whom to discuss our circumstances. This we understand is something that should have been provided to us. We want the opportunity to ensure we maintain our home for our family and live here the rest of our lives and thus will need your intervention.
Product: Mortgage

I was included in a forbearance program through the Cares Act in XX/XX/XXXX-XX/XX/XXXX. I was told to submit documents for loss mitigation and additional payment options. Documents were emailed from XX/XX/XXXX-XX/XX/XXXX I contacted the servicer XXXX on multiple occasions to follow up and left messages for a call back from supervisors due to duplicate requests for docs to be sent. In XX/XX/XXXX I received an email stating that my application was being closed due to lack of supporting docs being received. I immediately contacted the lender ( XX/XX/XXXX ) for support. XXXX had the same difficulty in making contact with their servicer. Eventually, they located a supervisor who was able to review the documentation and verified that the package was in fact complete. It was then forwarded for review for a workout option. Two weeks later it was determined that there were NO OPTIONS for me.
Product: Credit card

I was sent an email about a " late payment '' on a card I never opened- I called XXXX.2024 XXXX2024, XXXX.2024, and XXXX.2024 advising One Main Financial that I did not open a " Bright Way '' credit card with them - each time they advised me that the account had been closed and that I would receive an affidavit via email as well as through the post office. I have not yet received anything from this company and continue to call. They send me email after email letting me know my " payment is late '' and are affecting my credit. I did not open a card with this company, nor have I even received a card and the company confirmed it has not been used and yet they continue to send emails.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit card or prepaid card

I have a XXXX credit card and used it for a purchase on XX/XX/18 of {$21.00}. I do not remember getting a bill or misplaced it with other mail. I received a bill on XX/XX/18 for my {$21.00} charge with a fee of more than the charge of {$22.00}. Now, my {$21.00} bill is {$44.00}. I called the bank who issued my card Synchrony Bank, at XXXX, on XX/XX/18 and spoke to XXXX, badge number XXXX and he waived the charge bringing my balance down to {$21.00}. 

I called again today wanting to know the rate of interest, was told it was 16.65 %. I asked why the charge for fees were {$22.00} and she said about the rate when I signed up. 

I told her I would be issuing a complaint about excessive charges. She said she would do a complaint on her end too. I still, at 16.65 % can not see why the fee charge of $ XXXXwas on my bill. That charge is way over the 16.55 % fee. 

I am not doing this for me, but people who can not afford to get fees like this and would appreciate it if your agency can check into Synchrony Bank and fees charged. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX.
Product: Credit card or prepaid card

My XXXX XXXX cards were transferred from XXXXXXXX XXXX  XXXX to Comenity on XX/XX/2022 through Bread XXXX  On XX/XX/2022 there is a {$19.00} charge for Bread XXXX which I can only assume is an activation fee which I did not agree to nor authorize. I could not access my account on their website until XX/XX/2022 which is when I noticed the charge. When calling the company on XX/XX/2022, I was told that they could not tell me what the charge was for. I then requested that my 2 cards be cancelled and that my account be closed. The cards are still active and my account is still open.
Product: Checking or savings account

Two {$5000.00} wire transfers that occurred on XX/XX/2023 Total loss {$10000.00} I originally reached out to Wells Fargo fraud department on XX/XX/XXXX when i noticed my phone was hacked by someone in another state. This person drained my bank accounts fraudulently. I reported this as soon as i was able to get onto my phone as i was being hacked i was unable to use it. I reported every dollar that was stolen from my account. Wells Fargo had me on a roller cycle ride for nearly 2 months. They were reversing funds and moving money between my multiple bank accounts. They made it so confusing i couldnt keep up with whatever they were doing. I repeatedly went to the bank to have a banker help me bc i couldn't get a straight forward answer from anyone in the fraud department. As of today some of my money was returned, but not all of it. They will not give me back the wire transfers of 10k that were done on my account on XX/XX/XXXX. There have been numerous excuses to why i wont receive my stolen money. The last letter sent was that the claim is closed and there is no money to replace what was stolen. They tried accusing me that i authorized someone to go into my accounts and steal my money. At the end of XXXX i received a call from XXXX the case manager from Wells Fargo that the wires were going to be put in my account, but they werent. I reached out through telephone and she tried telling me that there were no funds available to return my money back to me from the wire transfers. This money was stolen from my XXXX  XXXX XXXX XXXX bank account. I told XXXX i closed 3 accounts with them and i will be banking elsewhere bc my money isnt safe in there bank.
Product: Checking or savings account

On XX/XX/year> I initiated a full account transfer with XXXX to move all of my funds from my SoFi account into XXXX. I have two SoFi accounts that I moved to XXXX. On XX/XX/XXXX, the account transfer showed as completed, but I found that I was charged {$200.00} for a transfer fee from SoFi and there was also over {$700.00} left in the two accounts. On XX/XX/XXXX, I tried to withdraw the remaining funds manually, but was prevented by the system from doing so. On XX/XX/XXXX I reached out to SoFi to complain about the incomplete transfer and the {$200.00} of fees charged. The representative told me that the remaining funds would hit my XXXX account on XX/XX/XXXX and that I should reach out to XXXX to see if they could reimburse the fees. I did reach out to XXXX, but the transfer wasn't high enough to qualify for reimbursement. On XX/XX/XXXX, the funds still had not been transferred. I reached out to SoFi again and after a long time on the chat, they tried to tell me that the transfer was done and tried to send me to XXXX again. At this point, I have over {$700.00} sitting with SoFi that I can't withdraw and I was charged {$200.00} for transfers that haven't been fully completed. Not to mention the time wasted with customer service that was clearly trying to pass the issue to anyone else rather than actually resolving it.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting the credit bureaus to remove accounts and Inquiries I found on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit reporting Agencies, you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please take a look at the following items you are reporting on my Credit File and have them removed as soon as possible : XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe that the disputed items belong to me, I will be requiring you to please send me copies of proof of verification or proof of ownership to support such claims. In the absence of such documents, I will greatly appreciate you removing the disputed items off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I had a bank account with Wells Fargo from the year XXXX until XXXX. I was no longer working and was charged astronomical over draft fees for the first time ever. With that being said they closed my bank account because I was unable to pay them back within the time frame they needed it. They were ok with taking and cashing XXXX checks XXXX checks at one point but when I couldnt pay back XXXX they harassed day and night and now I no longer have a bank account and can not open one up because of this! Its not fair!
Product: Student loan

I am writing to formally dispute and request the removal of the following student loan account from my credit report due to legal violations under XXXX ( Family Educational Rights and Privacy Act ) and recent data breaches : Loan Servicer : XXXX  Account Number : Balance : {$1700.00} Date Opened : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, I have the right to dispute any inaccurate, misleading, or legally invalid information on my credit report. Due to the recent federal student loan data breach and FERPA violations, my private educational records and financial information were compromised without my consent, violating my legal rights as a borrower. 

Furthermore, FERPA ( 20 U.S.C. 1232g ) protects students education records, including financial aid and loan information. Any unauthorized access, exposure, or mishandling of my student loan data constitutes a direct violation of federal law, making this account illegally reported and subject to removal. 

Additionally, under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), if an account is found to be inaccurate, incomplete, unverifiable, or legally disputed, it must be deleted from my credit report immediately. Given that my data was compromised, I demand the permanent deletion of this student loan account from my credit file with no possibility of reinsertion per FCRA 1681a ( a ) ( 5 ) ( C ).

Action Requested : Remove the student loan account from my credit report immediately. 
Provide written confirmation of the deletion within XXXX  days, per FCRA compliance. 
Refrain from re-reporting this account to any credit bureau in the future. 

This letter serves as official notice that I am enforcing my rights under FCRA, FERPA, and federal data privacy laws. Failure to comply may result in legal action, including filing a complaint with the CFPB ( Consumer Financial Protection Bureau ), FTC XXXX Federal Trade Commission ), and XXXX Department of Education. 

Please respond in writing within XXXX  days to confirm the removal of this account. You may send all correspondence to my address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on a few things that I disagreed with on my credit report. Everything had been investigated and I thought completed. I decided it was time to move forward to apply for my home and my lender said that Equifax was reporting that there were three things indicating that they were in dispute. I explained that they were no longer being disputed that I was under the impression once they reviewed the information and responded to the disputes it was closed. I was informed to contact Equifax directly and find out what was going on. I contacted them and explained that I wasn't disputing anything at this time and that I needed that verbiage removed. They refused to remove it. They said it is being disputed and I again told them it wasn't. They said that it would take about 30 days to remove the statements. I am extremely upset because my lender is unable to obtain a true report because of that verbiage and that company is the only one reporting that information.
Product: Debt collection

Received call saying I owe on an old pay day loan. Said if didn't pay they would file lawsuit Took pay day loan over 11 years ago. I recall repaying loan Said if didn't pay they would file lawsuit and garnishment Told them to file and hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified mailed a dispute to EXPERIAN as well as uploaded dispute along with supporting documents EXPERIAN is stating that they did not receive my certified mail which was mailed on X/XX/2018 They are stating per the uploaded public record information was verified which is not true I have since forwarded supporting documentation that information was not verified through the court and would like public record reflecting Bankruptcies deleted from my profile.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : 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 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX