23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously reported that this company is trying to collect a debt not owed by me. This agency investigated the complaint and the collection debt agency responded and stated they have closed this account and will alert credit bureaus that this is not my debt. However, this agency has not closed this account or reported to agencies that this is not my debt. In fact they have reported thr debt as accurate and reported to all three credit bureaus, XXXX, XXXX, and XXXX.
Product: Debt collection

I called this company I explained to them that the XXXX XXXX loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the XXXX XXXX XXXX XXXX and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the XXXX XXXX has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the XXXX XXXX has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 two transfers were posted to our account at XXXXXXXX XXXX, one for {$1400.00} and the second for {$300.00}. Both transactions were made using the Zelle XXXX payment service and both were sent to a XXXX XXXX. The {$1400.00} transaction has a reference number of XXXX and the {$300.00} transaction has a reference number of XXXX. On XX/XX/2019, we noticed the suspicious charges, notified the bank of the charges, and asked to restrict all access to online banking. They complied with our request and initially reversed the charges while they investigated. However, they later notified us that they believed the charges to be legitimate and reposted them to the account. We believe that the suspect was somehow able to gain access to our online account and initiate the transfer. Because we could not resolve this issue with our bank, we have filed a complaint with the FBI 's Internet Crime Complaint Center ( IC3 ). 

Proper protections that could have mitigated or eliminated risks were not put in place by either XXXX or XXXX XXXX. We had never before heard of XXXX, had never used it before, and were not aware it was even a service offered by our bank. We were not notified when the payments had been initiated, even though this was the first time the service was being used from our account. We were also not notified by chase when two large electronic transfers were simultaneously posted to our account within minutes of each other, something that is usually considered a red flag. XXXX XXXX XXXX, the president of the company that owns Zelle is quoted as saying we remind consumers to only use Zelle for transacting with people they know and trust '', however the service allows you to instantly transfer money to absolutely anyone. If they were actually concerned with fraud protections and security, it would be fairly simple to implement a control that allows users to only send money to accounts and people that were added and confirmed.
Product: Mortgage

XXXX at XXXX XXXX XXXX on loan # XXXX chase # XXXX will not help. My wife and I have been dealing with chase bank for over XXXX weeks on a simply information request. chase issued a XXXX misc to the irs for XXXX for my wife and her ex husband as extra income as part of short sell on mortgage they had. The IRS adjusted both my wife and her ex husband tax returns to for XXXX each. there was only XXXX XXXX check. XXXX XXXX will not address the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file maintained by TransUnion . The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments in question are erroneous. My account has been on autopay, and all payments were made on time as agreed. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates the provisions of the FCRA ( 15 USC 1666 ( b ) ) as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of incorrect late payments may also violate the FDCPA, which protects consumers from misrepresentation. 
Truth in Lending Act ( TILA ) : The inaccurate information is also a violation of TILA, which mandates the accurate reporting of credit accounts.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure the maximum accuracy of information in credit reports. Failure to correct such errors can result in civil liabilities as outlined in sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution : I request that TransUnion conduct a detailed investigation into this matter and remove the inaccurate late payments from my credit report. Please update the entries to accurately reflect my 100 % on-time payment history. 
Attachments Copy of my government-issued ID. 
Copy of my Social Security card. 
Proof of current address ( e.g., utility bill or bank statement ). 
Copy of my full credit report highlighting the disputed account and inaccurate late payments. 
I look forward to receiving confirmation of the resolution within 30 days of this letter. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On several occasions I sent to contact them via phone to resolve issue only to be transferred around a bunch of times and went to the branch a few times only to be treated the same way and basically it felt as if you know I was being railroaded. And continue treat me like an XXXX even though I know for a fact that that I'm on the account therefore they can they have you know an obligation discuss what's going on me that would make it easier that's how democracy works we talk to one another you know you don't keep secrets and run over here and whisper I don't give a XXXX if the freaking who's involved the cops didn't bothering to come talk to me I'd be the one straighten it out you know I just felt as if you know I was just in the way like you know even though it's my money you know they got something more important than they need to do to figure out why my money 's in the way it is I don't understand this the whole thing is makes no sense
Product: Mortgage

I am disputing the total amount outstanding on a home equity loan written by XXXX and serviced by Specialized Loan Servicing ( SLS ). I have been trying unsuccessfully to get a transactions history on this account and a copy of the original note for more than two weeks now. My understanding is that XXXX still holds the home equity loan ( I receive my tax documents from XXXX ) but that SLS handles payment, customer service and account inquiries for XXXX. I called XXXX regarding the account history and original loan documentation, I was informed that they could not help me and I would have to contact SLS. When I contacted SLS more than XXXX weeks ago, the representative I spoke with said that she placed an order for the account history and original note paperwork, and I could expect to receive it via USPS within a week. When I called SLS back today to inquire as to the status of the history and the copy of the note, I was informed by a different representative that the initial request made two weeks ago was " invalid '' and nothing had been ordered. When I asked why I was not notified, she indicated that it was not their policy to advise customers of invalid orders, she was sorry for the delay, but there was nothing she could do except try and submit the request again, which could take an additional two weeks for processing and delivery. I explained to her that the loan was coming due in 45 days and I needed this history, along with a copy of the original note from 10 years ago, as soon as possible because I was disputing the amount outstanding. She reviewed my account, and provided a verbal history of the account : when the home equity loan was originated, the initial draw amount, the interest rate, etc. The original draw amount and interest rate did not align with my recollection, and I indicated this to her. She responded by saying that she was " not in the business of falsifying documents '' ( I never suggested that she falsified any documents - I simply requested information about the account ) and my recollection must be incorrect and my records were incomplete, otherwise I would not be requesting a copy of the note and the history in the first place. 
I do not dispute that there is a balance on this home equity account. I do, however, dispute the total amount outstanding, the adjustable rate ( my recollection is that the original note was for a fixed rate ), and the fact that SLS is characterizing the loan as a HELOC - my original understanding was that this was NOT a line of credit, and I would like to see all transactions ( payments and draws against the line of credit ) to verify the amount outstanding to pay off and close this account. I am simply asking for information about my account, and SLS is making it extremely difficult to obtain this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two accounts listed on my credit report that DO NOT BELONG TO ME. I was a victim of identity theft during this time frame. I have filed a police report previously and filed a dispute with TransUnion Credit Monitoring Services regarding this matter. The accounts are under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under same account name. I investigated further and I need this debt removed from my credit report. Also XXXX XXXX XXXX is reporting ( 2 ) accounts under CLOSED in my 3 credit reports. Claiming two seperate accounts one in the amount of {$1100.00} owed and the other with {$710.00} owed. Both of these accounts were opened online when someone stold my wallet and stold my identity. Te had access to my ID my social security card and my mailing address informtion. All 4 of these acconts are being reported fradulently on TRANSUNION XXXX AND XXXX. Please remove credit debt from my report.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted! There is also evidence proving that I am a victim of the XXXX Data Breach!
Product: Bank account or service

I closed my US bank account over 5 years ago. They left it open without my knowledge and charged late fees for things I had never purchased. Now they are preventing me from getting a new account as they sent it to my credit bureaus. I have asked over ten times for verification of debt with no response
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit
Product: Credit card or prepaid card

Ive been a loyal customer at Wells Fargo since XXXX till XX/XX/XXXX ( shouldve ended up before ). I was trying to pay off my credit card because the interest rates were killing me, I was paying on each statement more money to see if I could lower the interest rates paying double or more of the minimum payment due. I stopped using that card for long time trying to pay off my debt but they kept charging me same interest rates as if I was paying the minimum amount. I spoke with a banker and I complained about the ridiculous amounts theyre charging me every month, she said that they can reimburse one month which was like {$15.00} so I said I want to payoff my card and never want to open an account with them ever again!!! 
Besides that, in XXXX I used XXXX through WF to transfer money to my ex husband using his cel phone number. The money got lost {$900.00} XXXX and I complain directly to the bank I follow up with them for over 4 months back and forth and they said thay cant do anything even though my ex husband and I proved that he have that phone number for at least 6 yeas ago by that time, nothing happened, I lost {$900.00} + Last week my ex husband contacted me to let me know that WF sent me a check!!!

Five ( 5 ) years passed and they just figured out where that XXXX money went and sent me my money back from that transfer I made in XXXX??? Ridiculous, I hope that bank go out of business, there is no justification for any of this damage they cost me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made continuous complaints about TranUnion defamatory and inaccurate reporting on my credit scores and history. I have been denied credit twice due to this defamatory and discriminatory reporting. I started with a XXXX XXXX XXXX on XXXX and on XXXX I was denied credit because of a tremendous drop in my credit score. I was XXXX and on just a matter of XXXX weeks I was XXXX. That is a XXXX point reduction, without any explanation and for the record nothing had changed on my credit report. Now I am being denied credit a second time, in which TransUnion is reporting my score as XXXX. The lender advised my score was reported to them as XXXX. I have attached a copy of the date and credit score showing XX/XX/XXXX with a XXXX XXXX XXXX XXXX. I am seeking monetary compensation for the amount of damage and the repeated FCRA violations by TransUnion. Please see below the number of times I have filed complaints with CFPB about the FCRA violations of TransUnion : ( complaints case numbers below ) XXXX XXXX XXXX I will also be escalating this matter further. CFPB I have reported this matter of the above violations several times but to no avail. I will be seeking monetary compensation! This has caused undue damages on my credit and the inability to obtain credit in the financial market such as other individuals. I have the right as a citizen to a fair chance in the financial market but I am being denied that right due to discriminatory, unethical and defamatory practices by TransUnion. Not to mention the one dispute about this collection agency XXXX XXXX, who never provided me with any debt validation and has not proven thus collection as mine. They are reporting that the are a Factoring Company Account  at first they said they were a collection agency. Factoring companies collect money now on accounts receivables due in the future ; collections agencies collect money now on accounts receivables that have gone into collection. I used to work for XXXX XXXX via XXXX and XXXX, which is a debit collection agency, and I was never presented with any of this information which is ironic. I stopped working there in XXXX. This alleged collection came about, according to XXXX XXXX opening date in XXXX. This alleged debit is from a charge off account in XXXX, in which now XXXX XXXX went from reporting as a Collection Agency to now a Factoring company. I have made several complaints about this reporting from XXXX XXXX on my TransUnion report as well : XXXX XXXX It is clear the FCRA violations of TransUnion are malicious and intentional against me as a consumer. I have the right as a citizen to obtain financial stability with fair practices in the financial market. I am being denied that right by TransUnion and their discriminatory, inaccurate and defamatory reporting practices, which is in violation of the FCRA. 
15 U.S.C. 1681s-2 15 U.SC. 1681o
Product: Mortgage

THIS IS A XXXX ADDENDUM TO MY DISPUTE # XXXX : XXXX ADDENDUMI know you all know what I 've presented to be true about the certificates XXXX being sold multiple and numerous times, and that XXXX XXXX XXXX, XXXX 's so-called Vice President is a fraud and will be prosecuted, who is really a vendor of XXXX. These certificates have been floating around since XX/XX/XXXX and XXXX did not modify our loan until XX/XX/XXXX ; five years later. Common sense should tell Shellpoint and XXXX that it is very possible some other entity had purchased the certificates before XXXX ; and they did and I have proof. But again, Shellpoint is only doing this to make a fast buck and well as XXXX and others Furthermore, XXXX had breach our initial modification by not reporting it in accordance with law, because it was done under the table and therefore, we would like our initial HAMP Tier 1 modification re-done because this is not our fault.. 

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

In accordance fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX # XXXX Account : XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXXXXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, Tomy surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, XXXX continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. XXXX, XXXX, and experian needs to remove these items my scores are supposed to w in the XXXX.
Product: Mortgage

Two years ago Chase Bank assumed my Mortgage loan from another Company. Due to " human error '' they cancelled my Insurance and purchased " lender placed '' insurance that costs 5 times what my old policy did, for two years. After purchasing the policies, they looted my escrow to pay for the policy, which raised my Mortgage payments, and I kept paying. After calling my old Insurance company, I realized that the Bank was at fault. I was able to be reimbursed for one policy for XXXX but the Bank refuses to reimburse me for the other policy for XXXX, even though it is sitting in my escrow account ... illegally. My mortgage statement says the amount in escrow is XXXX which is a breach of Section 10 of RESPA. Also, this is the second complaint I have filed. There are half a dozen other violations having to do with Federal Law with my loan, as well. I am seeking representation but it is my belief that Chase Bank should be fined for its illegal behavior. I am working on getting representation to sue them for damages but I would appreciate any cooperation from an Authority because I am a victim here and the law has been broken. Chases behavior is no less than predatory. I am also contacting the Massachusetts Attorney General and anyone else who may be able to hold them accountable. I have attached my escrow statement as proof beyond a doubt.