23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I paid three companies from my personal line of credit that I need the bank to look into. XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.These companies took my money and did not render me one bit of service.This just happened in the middle of XX/XX/2017.Do I not have any dispute XXXXights.The bank needs to look into this for me, I know I must have rights.When a company takes this kind of money from people you would expect to get what you paid for.Wells Fargo should take a close look at these companies. Im hoping Wells Fargo would look into this for me as i was rendered no services at all from any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - {$0.00} - CLOSED - TU, EXP UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 Experian XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

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  These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  account # XXXX, has violate my consumer rights, 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows so has reasonable cause to believe the information is inaccurate. The Account # XXXX is inaccurate. This account is 7 years old and was removed from my credit report due to inaccurate information. Experian is required to do investigate and make sure all information is correct before placing on my credit report. I hereby disputed and demand this false information removed from my credit report immediately.
Product: Mortgage

Regarding mortgage loan acct. no. XXXX serviced by Wells Fargo/WF Home Mortgage .

This letter will serve as a response to Wells Fargos recent communication. We hope that the following statement ( among other we made in the past ) is crystal-clear. We believe to receive full advise and continue to pursue the next step to save the house. 

We learned about mistreatment we receive as well as tactics wrongly applied upon us and disinformation that brought us stress at an unbelievable forms, speed, and acceleration. 

We would like to be clear that we never inform to the mortgage loan servicer regarding the death of borrower. Because it is never true! Although it has been very confusing and we thought we were mindful - but at the same time - opened for honest assistance, not ignorance. 

We do not understand why Wells Fargo never work with us because we have been trying to work with them to protect the interest of the borrower as well as prevent the house from foreclosure as National Emergency continued, and mitigate further loss Since we accepted XXXX XXXX XXXX request in 2018 as he is not taking up the residence at the moment due to his private matter at a concern and would required to fulfill such personal obligation, we began shouldering all the obligations. 

We were unaware that COVID-19 would have resulted in a financialship upon us. In fact, at the time we took overmaking payments to mortgage, all the bills were current until the pandemic that brought our business down. 

We reached out to Wells Fargo to explain the situation and they knew it well. We do not expect to provide information so that it could be used to start disservicing the mortgage and attempt to inform us about disinformation by providing lack of transparency, limitation on options, ignoring the facts we presented, and undermined the platform and misinterpreted the terms. 

As of the day on this complaint, We do hereby clarify that XXXX XXXX XXXX XXXX is NOT deceased. We request to be confirmed successor in interest or SIMILAR that would allow us to be in the known so that we can continue to fulfill our obligation to save the house, protect the interest of all tenants in common, prevent eviction upon all occupants who residing in the house, and minimizing further damage financially, and utimately to prevent the house from foreclosure, reinstate the overdue, and remain current as it was if COVID-19 didnt occur and neither the borrower and we ever intend to sell the house or aware that the pandemic would take us down this far. Especially, we never ever expect the poor participation from the servicer who we trust and who we are advise to contact in order to work out the situation. 

We do NOT expect to have the party in position to assist us ended up giving us hard time and delaying the process. We do however sincerely ask to work with us honestly on this serious matter to resolve everything once and for all.
Product: Debt collection

Since this is a charge off account I have not received a 1099-C. Which I do believe is fraud. Which means this account should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Equifax regarding their reporting of XXXX Account XXXX which they are reporting as a charge-off and an open balance of {$540.00}. 

I submitted a dispute for this account as I had paid off this balance and their had agreed to remove this account from my credit reports. 

However, equifax completed their research and indicated that the account is still unpaid and has an outstanding balance and has a " Charge-Off '' status. 

I reached out to XXXX and inquired about the results stated by Equifax and they indicated that they fulfilled the terms or our agreement, to report this account and paid and remove it from my credit report. I also reached out to their collections department, and they indicated they have nothing pending in their records. 

How is it that Equifax concluded the account was still open with an outstanding balance when the Creditor has reported this as paid and removed from CRA 's file? Additionally, Equifax has blocked me from filing a dispute on this account in their system. 

I believe their investigation was flawed and still has errors. This is a violation of the FCRA and my privacy rights.
Product: Credit card

Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me. 15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible A
ccuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence. 

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my XXXX and only address for the past XXXX years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file.

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account. 

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

American express serve/XXXX  XXXX prepaid cards are the main cards that most people I have talked to are haveing problems recieveing the economic impact payment. Why can't the IRS deposit payment to my card? This is a problem state wide. I followed email instructions from American express serve to check the status of my stimulus payment but each time ends in error. American express bank lenders who ever is responsible needs to fix this problem so people can receive there available govt funds. I did everything right but still no money had posted to my card. I am tired if waiting I need my money.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Negotiation credit services for Debt consolidation credit counseling services, I had sent them over XXXX toward my creditors. I had got this email, Hope all is well. We are reaching out to you and all of our clients to let them know that as of XX/XX/2017, Negotiation Credit Services has merged with XXXX XXXX. We have been attempting to contact you for at least 3 weeks, its very imperative that you give us a call back at XXXX, so that we may give you more information regarding this recent change and added benefits this merger can provide. We look forward to speaking with you soon. Have a great day. 

With Regards, XXXX XXXX I had contacted them they had another person contact me from XXXX, saying that they were now handling my account, that I would be receiving a check in the mail for my XXXX and that I was to deposit in my account and then they would be taking that amount out again, they also had been taking the amount of XXXX per month. In may I receive a call from a lawyer claiming that this company had been seized and all companies associated with this company were now in the hands of bankruptcy and fraud. I have lost my XXXX that I had paid into that company and I want that money back.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX XXXX XXXX  Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer XXXX  to XXXX  between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Credit card or prepaid card

I called this company and closed this account almost three months ago with the payoff amount they told me on the phone. Haven't heard anything from them in that time. Now they keep sending me bills that I owe them a payment. The company involved avant card. I closed it because they kept lowering my credit with them.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my XXXX Credit card was debited {$960.00} in connection with an international money transfer using XXXX XXXX. A few days later I cancelled the transfer and Pay Pal was supposed to reimburse my credit card account, that did not occur. I made an inquiry with Pay Pal and they told me the reimbursement was completed, ( it was not ). On XX/XX/XXXX I made another inquiry and I was asked to send a copy of my credit card statement, which I did. XX/XX/XXXX I was issued a case # XXXX XXXX XXXX but nothing has happened since then. I sent a follow up email 2 weeks ago but no response from the company.
Product: Prepaid card

I purchased a Prepaid Go Card from Navy Federal Credit Union in order to add a layer of security and I added this payment method to my XXXX account. On or around XX/XX/year>, I ordered an " oversize barn door set with track '' from XXXX that cost {$750.00} which was sold as " easy to install. '' A few days later the " oversize barn door set with track '' arrived in XXXX big boxes, but was unassembled like a set of jumbled legos. Specifically, doors can't be assembled by homeowners because they require specialized machinery that squeeze the door pieces together using hundreds of pounds of pressure per square inch in order to mold the door pieces tightly together. Clearly, I was the victim of a scam. Thereafter, I reported the incident to the Prepaid Go Card Department at Navy Federal Credit Union ; Navy Federal Credit Union itself, as well as XXXX. 

A few days later, I called back to the Prepaid Go Card Department at Navy Federal Credit Union and was told that my claim was denied because I have a " history of inconsistencies '' but no evidence of inconsistencies could be provided to me. Moreover, during this telephone call I waited on the line for a XXXX because I asked that my claim be escalated. The XXXX, XXXX, confirmed that I had been the victim of a scam and that my account was new with no history of inconsistencies. At the conclusion of our call, XXXX XXXX told me to call back in XXXX days for a final disposition of my case. Thus, in XXXX days I called back and the same wrongful verdict was rendered in that I had a " history of inconsistencies. '' There is not XXXX shred of evidence to support this claim, and if there is any evidence I would like it to be published as a result of this inquiry. 

On the other hand, XXXX has agreed to refund my money due to fraud. 

My goal with this complaint is to require Navy Federal Credit Union : XXXX. To retract any and all false statements regarding any notion that I have a " history of inconsistencies. '' XXXX. To recognize that the call center serving the Prepaid Go Card Department at Navy Federal Credit Union is poorly staffed and poorly managed ; and Navy Federal Credit Union has the singular responsibility to demand better care for its customers. 

This is a military family that is being harmed. Shame on XXXX! 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had my loan with XXXX and then XXXX XXXX XXXX. We paid a large sum of money in Modification trial payments. The proofs of payments have been submitted in CFPB complaint # XXXX. This complaint is about the new Servicer Shellpoint Mortgage.
Product: Credit reporting or other personal consumer reports

ATTN : EXPERIAN, XXXX, XXXX, XXXX RE : Debt Validation Required XX/XX/2024 To Whom It May Concern, I am requesting debt validation for items listed on my Credit report as " Derogatory '' and in " Collections '' Item in Question : XXXX XXXX Amount : {$2900.00} Account status : Derogatory Remarks : Collection Account Account information disputed by consumer, meets FCRA requirements DISPUTE : NOT LIABLE Obtain and provide a copy of a wet signature on a contract or document that holds me responsible for this alleged debt along with the identification documents used to validate this debt liability. 
Send this information to my address listed in the CFPB filing and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report completely. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address in this filing. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

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

On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor BMW Financial has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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: Money transfer, virtual currency, or money service

On XX/XX/31 I tried to deposit a {$250.00} check through XXXX which apparently uses the service Ingo Money to deposit their checks. After being told the check is accepted and all I have to do is void the check and take a picture, Ingo declined to deposit the check calling it a failure. Now I have a void check and no money. XXXX blamed Ingo. Ingo acts like they did nothing wrong just some checks they can't accept. That's fine in general but not once they tell a person to void a check. I needed this money yesterday. Now I have a void check and nothing.
Product: Debt collection

This debt was on my report for years before I realized it. I disputed it and it was removed in XXXX. 

In XXXX XXXX, it was added back to my reports, without any proper notification. It is also listed as a newer debt, as of XXXX XXXX, not showing any original default date. Considering it was on my report prior to that and removed, when they couldnt provide a legal document bearing my signature or verify the debt was mine. This clearly ca n't be accurate. Originally, prior to removal, it was stated the debt was from XXXX, possibly earlier. Not only are the reporting false data, but also reporting something that is not my debt and added back with no proper notification. Since they ca n't provide me with anything bearing my signature, that the debt is mine, it should be deleted immediately.