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

Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : Wells Fargo Mortgage I am a US Veteran and took out a VA Mortgage through Wells Fargo back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including Wells Fargo ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX Wells Fargo stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( XXXX, XXXX, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called Wells Fargo and the credit reporting agencies to dispute my credit score and Wells Fargo refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of first delinquency on my report is not accurate. I was not late on payments throughout covid time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my initial request to Equifax to remove XXXX XXXX  '' an account I did not open, from my credit report on XX/XX/2022. I received a copy of my credit report ( approximately 45 days later ) in which Equifax started, " WE VERIFIED THIS ITEM BELONGS TO YOU. '' I responded by asking for documentation used to make this determination and Equifax did not respond. I tried to get information numerous times without success so I filed a complaint with the XXXX XXXX XXXX on XX/XX/2022. Equifax responded by stating they were investigating and would provide a response once the Company replied. This in itself was a problem since Equifax had already sent me a response in XXXX stating, " WE VERIFIED THIS ITEM BELONGS TO YOU. '' On XX/XX/2022, I submitted another request to Equifax to remove two more accounts that had been placed on my account that I did not open, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also included XXXX XXXX XXXX again with a reminder that I had not received any documentation to substantiate this was my account. I have spent numerous hours trying to get these issues corrected and my credit score has dropped numerous times, with the most significant change being a XXXX point drop. I have incurred damages and am seeking immediate corrections to my credit report and monetary compensation. I can provide documentation as evidence to substantiate my position.
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 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 has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section604 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 then records of convictions of crimes witch antedates the report by more then 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 reason cause to believe the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : RECEIVABLE MGMT GROUP # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt
Product: Checking or savings account

America First Credit Union is changing my account as well as everyone else 's without our consent
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reporting by XXXX XXXX  is fraudulent. I do not owe the original creditor. There is not even a date of first delenquincy. not only that i have proof from original creditor that my balance was XXXX at the time of account closure. i want this inaccurate information removed imediately for violation of my consumer rights under the fcra Delete for violation of 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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  has violated my rights 15 USC 1681 section 602 A which states thatI have the right to privacy. It also states in 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish your account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

We took out a title loan on our bike we filed XXXX  XXXX bankruptcy. The bike was surrendered they never came and got. It ended up being totaled out when we were hit on it. With by a truck, we need the title so that we can follow through with the lawsuit of where we were hit and injured and the bike was tied up totaled. Talked to XXXX people just this evening. And no one can help me. And I had the guy from the store yell at me. I need that title within 10 days. Or it can't get part be part of treturn from the legality of the accident. And no one can help me 9 different people. With just say okay, hold on and transfer me and just kept doing that. No help whatsoever.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX XXXX, and Trans Union continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.
Product: Credit reporting or other personal consumer reports

I received several emails about my credit changing/inquiry from current accounts I have ( example XXXX ). Upon reading the report, it looks like Capital One had an inquiry on my credit on XXXX. This usually happens when applying for a new credit card or loan -- neither of which I was doing for Capital One or any other bank for that matter any time recently. 

I froze my credit on XXXX, XXXX and XXXX tonight ( XXXX ) and have filed disputes. I want to make sure no accounts are created under my name for Capital One - or any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

After recently opening a checking and savings with Bank of America, I deposited a questionable cashier 's check via mobile depositing within the Bank of America Online Banking App. Was instructed to retain original check in hand should I require to reference it or need it for whatever reason in the near future in order to verify funds, if needed. The cashier 's check was deemed a counterfeit cashier 's check and the check amount placed on a hold inn order to verify lines of accounting and legitimacy of such transaction. Bank of America, without any hesitation nor any notification method in an effort to alert me with the changes or circumstances within my personal accounts with them- which are now closed and have to await a few weeks for a corporate postal check to be mailed.
Product: Credit reporting or other personal consumer reports

I informed All three credit agencies that they were report inaccurate information on my report ( JPMCB CARD ) way back in XXXX and again app a month go They were reporting 3 Different Date of Last Activity which is a F.C.R.A. violation because all dates should match for the account to be accurate! nEven the years were different but they refuse to address the issue or correct it.NOR DID THEY MARK THE ACCOUNT IN DISPUTE WHICH IS ANOTHER VIOLATION.
Product: Debt collection

Sent Affidavit, Letter of explanation, as well as Police Report to credit bureau and they said it was verified and that is impossible, because they did not show any proof of that and I showed all the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I am writing to file a formal complaint against XXXX XXXX XXXX, issued by XXXXXXXX XXXX, due to their failure to respond fully to my requests regarding an alleged debt. On XX/XX/year>, I sent a certified letter to Chief Financial Officer XXXX XXXX ( Tracking Number : XXXX ) disputing the alleged debt and requesting verification. In this letter, I also included an affidavit in support of treatment of credit balances under 15 U.S.C. 1666d, which outlines my entitlement to a refund of any excess positive credit balance. 

I received a response via email on XX/XX/year>, from an unknown employee of the " Self Team. '' The email stated, We have received your request to validate your Self XXXX credit card from Lead Bank. Here are details regarding your card, which includes your payment history. This response only provided a list of my payments and did not address my request for verification. Validation ensures that requests are formatted correctly, while verification confirms that the information provided is genuine and reliable. Thus, my request was not answered. 

Moreover, my affidavit regarding the treatment of credit balances was completely ignored. According to 15 U.S.C. 1666d, any excess amount in my account, even as small as {$1.00}, must be refunded. The lack of response raises serious doubts about the existence of any debt. 

Following this, I sent a follow-up email on XX/XX/year>, specifically requesting a loss/deficit report signature certification verification under penalty of perjury. This document is critical, as it certifies that the information is true and accurate, and acknowledges the legal consequences of providing false information. This verification would provide evidence of any damages or losses attributed to my account. Without this verification, Self Credit Card lacks legal authority to enforce payment and must report my account as paid. 

I trust that the CFPB will conduct a thorough investigation into my requests for the loss/deficit report signature certification verification from Self Credit Card , issued by Lead Bank . Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

There are two separate issues. 

First, I received a letter on XX/XX/2019 after the escrow true-up in XXXX that said the escrow was short and I needed to send in extra dollars. The letter itself gives no explanation or steps on how to actually make this payment. I then called customer service and was told to make the payment in the normal way. However, the extra payment was not applied to my escrow and they complained that I had not paid it correctly. Escrow payments should be handled more carefully. Further, they've told me that they've now fixed this and applied the payment correctly but have refused to send me any documentation at all to confirm that this is true. 

Secondly, Select Portfolio Servicing missed sending me my XXXX statement. The CSR said that " the computer must have accidentally skipped your account ''. She's now ordering me a new statement which will take 1-2 weeks for me to receive ( after the payment due date ).

More generally, Select Portfolio Servicing is not transparent with customers on policies, requirements, payments, or balances.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the informations must be deleted. 

AMEX XXXX Balance {$1600.00} ; AMEX XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, XXXX and TRANSUNION.
Product: Debt collection

I bought some pens and when I paid my check bounced. I have asked repeatedly for the original check back ( my bank does not have it ) as I do not want to pay again and have the first check deposited again. These requests have been in writing. The pen company sent my bill to McCarthy , Burgess & Wolff , Inc. Ref # : XXXX. I sent them the attached email telling them not to call me. They just called from a blocked number. I told them I sent them a notice to not call me and she said she did not get it. It was received and they replied to the email, I have attached both. I offered to return the unused portion of the pens for a full refund which I will be happy to do.
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 me 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 15 U.S.C. section 602A states I have a right to privacy.

15 U.S.C. section 604A Section 2 : It also states s consumer reporting agency can not furnish a account without my written instructions.

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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

REQUESTED STATE CHANGE. TITLE MUST BE SENT TO DC DMV, WHERE I RELOCATED. THAT WAS TWO MONTHS AGO. I HAVE EMAILED THE TITLE COMPANY OVER AND OVER AND NO ONE GETS BACK TO ME. I NEED THE TITLE CHANGE NOW!!!!
Product: Mortgage

We had a 15 year home equity loan with pnc bank. for XXXX the payment was XXXX mo we paid it for the 15 years and were was a " suprise '' ( surprise to us ) balloon payment for {$47000.00}. We were never aware of this payment. I showed our agreement to an attorney he said it was pretty well hidden and very confusing in the contract. We were NOT represented by an attorney when we signed. The ballon payment was never disclosed outside of the very confusing contract. I feel like I was preyed upon. I have a lawyer willing to litigate.
Product: Debt collection

Someone stole my ID and social to open up the following account in my name : XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX The Credit Bureaus have my Police Report and ID Theft Report.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received nonsense message from the credit bureau who said it was valid. I requested proof. I never received PROOF BECAUSE I NEVER ENROLLED EVER XXXX XXXX AT XXXX XXXX in TN I ENDURED UNFAIRNESS AND DISCRIMINATION. I REQUESTED TO SHOW ME PROOF THAT I WENT TO SCHOOL TO GET MY XXXX AT XXXX XXXX. I WAS TOLD IT WAS VALID I WAS TOLD I WENT TO THERE SCHOOL WHICH IS A LIE. I REQUESTED THAT THEY REMOVE THIS FROM AND OFF MY CREDIT. NO REPLY. I ONLY SEE MY SCORE HAS DROPPED XXXX Points and continue to drop. Perhaps I will need to have my Attorney file a lawsuit XXXX XXXX XXXX
Product: Debt collection

I sent a previous complaint through CFPB, Company stated they would mail information about the account that I have yet to receive. Company also stated that they own the debt. I have never done business with this company. They have not provided any information to prove I owe this debt nor have they shown they have the right to report the information to my credit. The company also stated account was from XXXX XXXX, however XXXX XXXX is reporting on my credit also. 
XXXX XXXX is reporting multiple accounts
Product: Credit card

I recently had a credit balance remaining on my credit card account due to paying an even amount. I would have used this with a future purchase, however Citi has taken it and refused to return it saying I forfeited it to them. They will not mail a check for it nor credit my account. While the amount is small, across their entire customer base they are likely taking a lot of peoples money and refusing to return it. This is a clear Unfair and Deceptive Act and Practice. Citi should be made to return my money as well as others.