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

In accordance with the Fair Credit Reporting act XXXX XXXX Finance Account # 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 a account without my written instructions
Product: Mortgage

My Name is XXXX XXXX XXXX I am writing this to inform whoever it may concern of fraudulent foreclosure practices with a mortgage company named NEW REZ /dba SHELLPOINT I have been a victim of identity theft tittle fraud and mental anguish from this corporation about a property that was gift wrapped from my grand mother XXXX XXXX XXXX a deceased retired federal employee ( FHA ) to my now deceased mother XXXX XXXX a retired city employee ( XXXX ) this mortgage company is committing title fraud and homeowner insurance fraud through their various esquires the most recent is XXXX XXXX XXXX I have all the legal document to show that this property was a passed down clear and free of any interest or liens these esquires and mortgage companies are dealing with my trust that was also left to me and is now being ran by fraudulent estates that was reported on every level local and federal the bank XXXX XXXX XXXX XXXX XXXX has let these entities rob my trust and estate and neither of them have followed the FDCPA I have sent multiple certified mails stating how they have violated my rights and are giving lines of credit off my properties that was not authorized by me I have reached out to the attorney general also regarding this matter and this is identity theft tittle theft homeownership fraud and estate and trust theft I am now writing this bearu of the government for help against these creditors that have ruined my life and is now coming after my children as well as myself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial Services Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to you regarding a recent discovery on my credit report that has caused me considerable concern. Upon reviewing my credit report, I noticed that an item associated with my Discover Card account appears to have been categorized as a charge-off. However, I have not received any communication or documentation regarding this matter, including a XXXX form for a cancellation of debt. 

I want to sincerely express my gratitude for your attention to this matter and kindly request that you provide me with a XXXX form for the cancellation of debt associated with the aforementioned item. This documentation is crucial for me to accurately address and manage my financial situation, especially in light of the hardships I have faced recently. 

As you may be aware, I have experienced significant financial challenges in recent times, which have made it difficult for me to meet my financial obligations. While I have been actively working to improve my financial standing, the assistance of a XXXX form would greatly support my efforts in addressing this matter and rebuilding my credit for the future. 

I understand the importance of responsibly managing my financial affairs, and receiving the necessary documentation from Discover Card would not only provide clarity but also enable me to take proactive steps towards resolving any outstanding issues. 

Your prompt attention to this request would be immensely appreciated, and I thank you in advance for your understanding and cooperation in this matter. Please do not hesitate to contact me should you require any further information or clarification. 

Thank you for your time and consideration. 

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

I had a loan with XXXX XXXX  and never had an issue. Then XXXX XXXX  sold to SST and they constantly report this incorrectly. The loan is paid off and yet SST reported late. I have disputed with XXXX multiple times. SST has ignored over XXXX emails and have XXXX customer service!! They have a XXXX  rating of XXXX XXXX needs to remove all lates and update this account to paid in full immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Nordstroms credit card service. They explained to me that if I pay {$600.00} to them they will delete the credit line from my credit report. When I asked if they could send it in writing, they threatened to take me to court and file charges for fraud if I did not accept their agreement. I explained that I need something in writing for them, they stated they do not offer any such thing in writing and that I must take their word for it. They are not reporting this as deleted, nor are they even attempting to state this was settled accordingly. They are still attempting to collect a debt that has been settled.
Product: Debt collection

Complaint against - XXXX XXXX XXXX representing MidLand Funding LLC * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced. 
*I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX *I  received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX. 
*I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX *This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for. 
The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. XXXX were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX. 

So this garnishment has been paid off as of XXXX XX/XX/XXXX. 

On XX/XX/XXXX a letter was drafted by XXXX XXXX XXXX , XXXX ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc. 
Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} XXXX file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX. 

This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment. 

They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on. 
The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected. 

This is wrong. 

They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I went to XXXX  to make a money order on XX/XX/2019 to XXXX XXXX XXXX  XXXX for {$1200.00}. After leaving and receiving my receipt for the money order, XXXX  later on once realizing my money did not go to its correct place, informed me that the payout name had been changed to XXXX XXXX and was cashed out by Santander Bank. I had filed an affidavit of forgery to XXXX XX/XX/2019. They informed me that since they did not cash the check, I had to address the issue with Santander Bank. Upon speaking to Santander Bank, they had informed me that this was not their issue either. I went to the location in the XXXX and was told I need to travel to the state and bank where the money order had been cashed out, in Massachusetts. No one seems to want to resolve this issue for me and I have been trying for the last 5 years to get it resolved. I have reached out to the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they then encouraged me to reach out to CFPB.
Product: Money transfer, virtual currency, or money service

For about two year I had been investing on the coinbase exchange. One of my investments was called XXXX XXXX. I had put in close to {$6000.00} or more into XXXX over those 2 years. The XXXX was down significantly as is most crypto. On XX/XX/XXXX via XXXX Coinbase announced they would not support the XXXX XXXX of XXXX XXXX. XXXX airdropped a new version of their crypto. Coinbase told its customers in a series of poorly worded emails and XXXX announcements that they would not support this new crypto and investors needed to move there crypto to another exchange. I was not aware of that until 1 day after it was to late XX/XX/XXXX. I was on vacation and missed the opportunity to sell or move my crypto. I am now being told that my XXXX XXXX which has a value of {$2500.00} is now worthless. I can not transfer it or sell it and I have lost all my money. XXXX XXXX was supposed to replace my XXXX XXXX with XXXX but coinbase did not allow it. My investment is going according to Coinbase and they will not hear my complaints. They blame me and the thousands of people who lost their money. The announcements were terrible and I do not use XXXX. I really had no idea what to do in this case but was also to late. I know of another person who was in the hospital and lost his investment. If people are going to loose their money Coinbase should have made sure everyone was contacted with the correct info before taking there money away. So coinbase promotes these crypto currencies and then takes them away after they were purchased on the exchange. I am distraught over this because I do not have much money. My business has been hurting since covid and I was also mail order scammed a little over a year ago. I am nearly out of business and this was a very painful thing. Hopefully you can help! I am not sure what to do.
Product: Credit reporting or other personal consumer reports

Comenity Bank- Victoria Secret store card On XXXX I walked into the VS store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my VS account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called comenity and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX Email received by XXXX regarding credit score dropped by XXXX due to this bill XXXX Emailed Comenity bank regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/23. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary.

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Credit card or prepaid card

U.S. Bank Mastercard offered a cell phone 'theft ' insurance if my cell phone bills are set to 'Auto Pay '. 
I filed a theft claim on XX/XX/2020 online and uploaded all required documents, received an email acknowledging the claim ( XXXX ) and it said they will contact me within 7 business days if additional information is needed.

It has been 0ver 7 business days and I have not received any correspondence from them. I called and asked to give status, the representative said they are waiting for the documents from me. I told her all documents were uploaded when claim was filed on XX/XX/2020 and asked if documents were needed, why didn't they send any email and ask for it. The representative initially said that an email was sent to me asking for documents but, when I argued with her, she stepped back and said they will send email sometimes this month. 

There is a pattern of this behavior and I had the exact same issue back in XXXX/XX/XX/2020 on another claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Transunion and XXXX  are reporting accounts that are fraudulent and inaccurate. 

***Summit Financial- Filed chapter XXXX bankruptcy Cant Validate loan. Told from Summit XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt *XXXX- recalled debt *XXXX XXXX-/XXXX- recalles debt *XXXX XXXX- couldnt validate debt or payment history. 

*Exeter XXXX- reporting inaccurate payment history and cant validate debt. 

*XXXX/XXXX- cant validate debt How are you verifying debt? 
Need proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with TransUnion as The United States Postal Service ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both Transunion and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed XXXX in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more.

XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto has reported as me having a late payment which is not accurate. All of my payments have been paid on time and accurate without fail.
Product: Mortgage

XXXX sent me a letter on XX/XX/2020, telling me that my forbearance had been accepted and that I would not be reported late. They still have reported me late. This can't be acceptable during this pandemic, please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, 10 to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports. 
And before Equifax tries to stall the investigation here is the account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX  XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disregarding the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws nor mine. 

Someone needs to hold them accountable for this
Product: Checking or savings account

American first finance took out XXXX from one bank account of mine with permission on XX/XX/2019 then same date took out XXXX without permission from my XXXX  XXXX XXXX account Ive called multiple times on XX/XX/2019 and everyday until XX/XX/2019 spoke to managers and supervisors all assuring me that the XXXX $ unauthorized payment would be placed back in Monday XX/XX/2019 and XX/XX/2019 which never happened I never authorized direct take out Please help me as this happens to a lot of the customers of American first finance and nothing is ever done Ive reported them to the better business bureau and wrote the corporate office with no response
Product: Payday loan, title loan, or personal loan

Four years ago a loan somehow was giving and because I may had a hardship at that moment I did get all of it paid interest build up and It went on my credit. so I get a called from XXXX XXXX he said that he is the CEO of the law office and he will file a fraud on me and XXXX stated that I intentionally had a account closed when they tried to get the money out the account. That is not true I Did not have and account close with XXXX XXXX. He threaten to have me arrested and was very smart mouth and rude and because I did not agree with him he slammed the phone and hung up and said he will tell the state that I will not negotiate with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is an error reported to my consumer report as a collection/chargeoff without my consent or permissible purpose as per the FCRA. This false information on my consumer report states an incorrect name/person who is tied to my personal information and is disabling me from obtaining good credit. A letter was sent to Experian Credit Bureau on XX/XX/22 to rectify this error and I have yet to receive a response from the bureau. This violation amounts to fraud and identity theft. 

XXXX XXXXXXXX - Account # : XXXX
Product: Checking or savings account

We ( my sister, a US XXXX  veteran ) experienced a " computer takeover '' event, and funds were illegally wired from her savings account to another Wells Fargo account of a XXXX XXXX XXXX. 
We filed a complaint at a local Wells Fargo branch in XXXX, SC. 

We were notified by a Wells Fargo fraud investigator that the funds have been located in the account of XXXX XXXX XXXX at Wells Fargo, and the account has been frozen. 

The personal bankers at the local XXXX SC branch and I have been unable to get the money ( {$15000.00} ) returned to our account. 

A XXXX XXXX from Wells Fargo ( Executive Office Case Specialist ) at ( XXXX ) XXXX Ext. XXXX contacted me XX/XX/2022. She acknowledge the issue has been escalated from the local branch. However, XXXX XXXX has since failed to respond to all request for updates from myself, the local branch, and message sent to her from calls to the Wells Fargo complaint line.
Product: Credit card or prepaid card

Opened up a card for discount. Unusual terms and exceptions that did not provide much of a benefit. Unclear terms and then threatening phone calls about past due amounts on purchases that were just made. Paid balance and closed the account. 

I will never by anything from XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a credit card through XXXX XXXXXXXX XXXX XXXX for over a year. The lender has not reported to Equifax an information for the entire duration. Ive contacted both XXXX and Equifax about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.
Product: Student loan

In XXXX, I took out student loans, mostly private, to attend XXXX  school. Recruitment was aggressive and predatory. I ended up taking financial aid far beyond what I could ever hope to afford based on promised future salaries. Servicing began through Sallie Mae, transferred to Navient, and I finally consolidated through Sallie Mae. After years of payment, forbearance, and a bit of discharge from a federal class action lawsuit, I've brought the number down from over XXXX down to under XXXX. Though I earned a degree from XXXX XXXX XXXX, I left the industry shortly after I started when it was clear that this particular degree had no value and would never allow me to pay off the astronomical cost of earning it. I've attached the complaint from the XXXXXXXX XXXX XXXXXXXX lawsuit, as it elaborates the illegal practices far better than I can, since it was so long ago.