23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed a charge in writing to Spectrum/Charter on XX/XX/2021. I had cancelled services and the charge was for a period of service in which I had none. They turned me over to XXXX XXXX XXXX XXXX XXXX for {$200.00}. Their letter said I had until XX/XX/XXXX to dispute the charge. I sent a certified letter disputing the charge on XX/XX/2021. I never heard back from them. Having never dealt with a credit company, I figured the issue was closed. 

Then, on XX/XX/2021 I happened to look at my FICO score through my bank and noticed it dropped from XXXX to XXXX. Running my credit report through XXXX  I saw a negative report from The CBE Group Inc. I have never heard of them. I was never sent anything in writing and did not receive any phone calls, emails, etc. Apparently, they've had my account since XX/XX/2021. 

Although I still dispute the charge, I would have paid it to avoid ruining my credit had I been notified. I tried calling them today and their number is no longer in service.
Product: Mortgage

I found an unexplained fee of {$1700.00}. on our Mortgage Statement from Select Portfolio Servicing ( SPS ) on XX/XX/19. I called SPS and determined it was legal fee from a foreclosure under our original lender, XXXX XXXX. I reported to SPS that this fee was not something we were liable for. During the collapse of the housing market, we were deeply underwater. We called XXXX XXXX about the new federal HAP. They told us we had to let our payments fall behind by at least two months before they would even discuss the program with us. We followed their direction, withheld payment, and submitted all the forms as requested. We were told specifically that as long as we had submitted our application for the government supported program, and were in contact with our lender, which we were constantly, there would be no foreclosure process initiated. 

That's when someone knocked on our door asking to see the house because it was listed as for sale at an auction THE NEXT DAY! I got on the phone with XXXX XXXX, and was told nothing could be done over and over. I insisted on being passed to one supervisor after another. Finally, I got someone who stopped the sale. She acknowledged they had all our paperwork, and the foreclosure shouldn't have been initiated. My wife, young daughter, and I were some of the lucky ones. Our next door neighbors were not ; they lost their home the same way. 

I told all this to SPS, and he acknowledged that he had heard that this was a common thing. He said he would file a inquiry with their Ombudsman 's office. Today, I returned a call from them, and was told they found the fee was legitimate. They kept telling me I was in default, so the bank had a right to foreclose, and charge me the fees. I noted that we had followed XXXX XXXX 's own directions to the tee, applied for the government refinance program immediately, and were in constant contact with XXXX XXXX. We had no warning, and XXXX XXXX and others were bailed out by taxpayers ; were trying to steal our house out from under us ; have paid massive fines for illegal activity, though none have gone to jail. I will not the legal fees of the thieves we caught in our living room. My family was one day  away from homelessness. XXXX could not tell me who this fee would go to.

I've attached the letter from the XXXX Ombudsman, which refers only to the former servicer as XXXX, which took over the loan from XXXX XXXX. It is confusing, because it states that the obligation may have been discharged through a bankruptcy we filed. 

I just read about the founding of the CFPB in XXXX XXXX 's books. I hope you will help persuade XXXX, XXXX XXXX, XXXX, and whatever law firm is involved in this unscrupulous grand theft, to forgo the fees they are still trying to extort from innocent home owners, based on their own past nefarious schemes. 

Thank you.
Product: Student loan

I have applied for XXXX with Mohela. My counts were updated with XXXX and transferred to Mohela on XX/XX/XXXX. Mohela updated the counts to reflect what XXXX had. I submitted a new XXXX from my current employer to cover XXXX, XXXX, and XXXX of XXXX. Mohela was processing my form, but instead marked it as duplicate and stopped processing it. They say that I can resubmit and wait another XXXX business days. I submitted the form, called them and had them review the form to ensure there was nothing wrong with it and they just decided not to process it. I don't think it is fair to go to the back of the line when I have done nothing wrong. I do not want to submit a new form only to have it marked as duplicate again and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for. I need more information regarding the account but Equifax and XXXX did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im utterly confused and distressed after finding errors on my credit report this morning. Ive never had issues like this before, so I cant understand how these discrepancies appeared. I thought it might just be a browser glitch and refreshed it, but nothing changed. Im desperately asking that my submitted documents be properly reviewed to resolve this and bring me peace of mind.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMCB is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMCB, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and JPMCB whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I bank with Wells Fargo. They have been negligent in a false claim of fraud involving a gentleman who paid me {$1500.00} using XXXX over 6-7 transactions. Two months later he filed a claim saying it was fraud and he didnt authorize them or know me. XXXX the XXXX they debited my account for {$1500.00}. For over a month I was given run arounds. Wells Fargo said it was XXXX, XXXX said Wells Fargo. I asked what type of investigation was done? A thorough one wasnt because I was never contacted when he file the claim and got his money back. It wasnt until after I called when I saw the debit that they asked questions like were you expecting these payments and do you know this person. Questions I feel should have been apart of the investigation they did to determine his claim was valid. I informed Wells Fargo I had proof he was filing a false claim. I have emails, texts and XXXX messages between us identifying himself in the text and acknowledging he was sending me payments. His last message was can I get a refund. So how was it unauthorized if he wanted a refund? To use XXXX you receive a code when you send money to someone for the first time. He had to have received the code to send the first payment in order for the other 6 to be made. In spite of me saying I have the proof no one has even asked to see it and they are standing by their decision that this person didnt authorize this even though I have all of his messages to me saying otherwise. Even XXXX which he used initially then I refunded it and he says in one message he will send the XXXX once the XXXX refund is credited to his bank. I have been robbed WITH the banks help. My money was not safe. Now my account has been negative since XX/XX/19 and I have had problems paying bills through auto pay from this account because I refuse to be liable for the money they took. They didnt investigate throughly. I was never contacted during or after. I had to call them. They are saying file a legal claim or contact the person to work or out. The person lied so why would They help? He didnt go in and pull the money out. The police didnt assist him either. Wells Fargo signed off on him getting XXXX back without once reaching out to me and finding out I had proof he authorized these zelle payments. His word which was a lie was enough. I have all the proof and all he had to do was lie and say he didnt know me or authorize 6 payments. Nobody at Wells Fargo is trying to help me. They dropped the ball. Im eating the bill on their negligence and my Bills are falling behind now that I used that account on. My credit has dropped now from a late payment on my car due to auto pay from a negative {$1500.00} account., please Help me. The bank did not have my back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXXXXXX XXXX XXXX has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX reported in the Equifax report is Account XXXX is XXXX. I contacted XXXX XXXXXXXX XXXX to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The Credit Limit is also blank and missing information ( Error 1 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 2 ). Amount Past Due is blank and missing information ( Error 3 ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error 4 ). The date of Last Payment XX/XX/XXXX is also incorrect ( Error 5 ). The Actual Payment Amount is Missing ( Error 6 ). The Scheduled Payment information is missing ( Error 7 ). Date of 1st Delinquency is blank ( Error 8 ). Date Maj Del 1st reported is missing information ( Error 9 ). This account according to XXXX XXXXXXXX XXXX  was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error 10 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Product: Debt collection

I wrote Orion 30 days ago demanding legal validation. They have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent EQUIFAX, written requested for full file disclosure pursua nt to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] of fair credit reporting act o n  XXXX / XXXX / 2017 . USPS delivery on  XXXX / XXXX / 2017 , My request was denied ( ignored ). So, on  XXXX / XXXX / 2017  I sent a second request.  USPS  delivery  XXXX / XXXX / 2017 , the company is in clear violation of federal FCRA law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXX ( b ) : Accuracy of credit reports. 
XXXX XXXX XXXX XXXX ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXXXXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}XXXX XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has entered incorrect dates for a balance they purchased from XXXX XXXX more than 5 years ago. Ive sent numerous letters in XX/XX/XXXX offering to settle the balance for 3 different accounts. Ive received no answer. I demand portfolio recovery remove this from my credit report due to age. They constantly update and change the dates the account was opened. Latest update shows XX/XX/XXXX when opened. I did not open this account as of the date they allege. Ive asked for documentation with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new & updated information on TRANSUNION. On XXXX TRANSUNION sent me correspondence via mail stating theyve verified the information inside of my identity theft report ( see attached file ). TRANSUNION is using a computer generated system to verify this information. TRANSUNION stated in their correspondence that they previously completed an investigation & verified the information and are not required to reinvestigate the same item ( s ) at this time ( see attached file ). Thats completely unlawful because TRANSUNION nor the furnishers of the information ( XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX ) provided me with the scope of the investigation. I demand to see the procedure TRANSUNION used to determine the items in my identity theft report to be complete & accurate. As well as the permissible purpose TRANSUNION has to furnish this report by sending me the ORIGINIAL contract/instrument bearing my signature, written Instruction from I the consumer, or a court order showing my obligation to pay the alleged debts being advertised on my consumer report. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) ( iii ) TRANSUNION has a duty to provide me a notice that, if requested by the consumer ( which Im requesting ), a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, INCLUDING the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. As you see, federal law states that TRANSUNION has to provide me the full DESCRIPTION of the investigation procedure. In TRANSUNIONs correspondence they only provided me the names & addresses of the furnishers but failed to provide me the actual description of how TRANSUNION is verifying the item ( s ) in my identity theft report. TRANSUNION stated unless I have additional information they will not look into my complaint. I have since then provided additional information along with a Federally approved Identity theft report from the FTC that regulates TRANSUNION.

I would like to also add that before I submitted my identity theft report XXXX deleted the same item ( s ) because they couldnt verify the information. This would further TRANSUNIONS willful noncompliance. Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX partook in the same exact investigation with the same furnishers of information and deleted the accounts. TRANSUNION knowingly or should have known that the accounts were indeed inaccurate & unverifiable according to the automated system.
Product: Credit reporting or other personal consumer reports

I'm genuinely perplexed. No matter how many times I assert that I'm the one behind this letter, it seems the message is continually overlooked. Let me clarify : I'm the individual instigating these disputes under my own name. However, this particular item is unfamiliar to me. I fail to comprehend why you're labeling these as fraudulent or posing a high risk. The documents I've submitted are authentic, they're mine, duly filed with the appropriate agencies, and they support my stance. Let 's set the record straight! 

Firstly, I'm aware that under FCRA Section 619, obtaining information under false pretenses carries severe penalties. Any individual knowingly and willfully obtaining information on a consumer from a consumer reporting agency under false pretenses may face fines or imprisonment, or both, as per Title 18 United States Code. 

Crucially, I have never shared my documentation with anyone else, which seems to be the basis for the claim of high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ), if a consumer reporting agency reasonably determines that a dispute by the consumer lacks sufficient information to investigate the disputed information, they may terminate the reinvestigation.

Furthermore, under 617 Civil liability for negligent non-compliance ( 15 U.S.C, 1681o ), any person negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, along with the costs of the action and reasonable attorneys fees in the case of any successful action to enforce liability under this section. 

Here is the list of items that are unknown to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX