23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Sofi bank has blocked several of my attempts to transfer money from my checking account to another account. They eventually restricted my account preventing me from attempting a transfer at all. They email me a contact number ( XXXX ) XXXX to verify my transaction, I followed up immediately verifying, however my account is still under restriction. They are holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

XXXX. On XX/XX/22 theres a {$310.00} unauthorized charge without a merchant name. When I call I am just left on hold. I can not tell if there was a credit because Wells Fargo refuses to allow me search for numbers on online banking. 
XXXX. Also wellsfargo illegally stole money out of my safe box when it was paid. 
This is never addressed by Wells Fargo.
Product: Mortgage

Ongoing issues since XX/XX/XXXX, company keeps using incorrect information Ive sent multiple email concerns. After changing property insurance, it decreased by {$3100.00}. 
The mortgage payment prior was {$3100.00}. 
The new mortgage payment changed to XXXX. Which was paid monthly and cleared account. Rushmore management did XXXX analysis and continued to use the old payment which was incorrect and the mortgage payment increased to {$3000.00}. A {$230.00} difference, when I inquired how the escrow decreased but the mortgage payment stayed the same, no one will answer that question and they will continue to tell me Im wrong and its correct. I have continued to make the payments of XXXX and Nationstar/Mr. Copper keeps rejecting the payments. The payment for XXXX was accepted and cleared checking account in XX/XX/XXXX. They said I havent made a payment since XX/XX/XXXX, that is wrong because they rejected XXXX and XX/XX/XXXX. The payment ledger is totally wrong. They have payment dates and amounts that have never been paid by me or cleared the account. So while Im working with them about all the mistakes and waiting on a correct resolution, they put house in foreclosure and I received a notice of trust to sell our home. I was given incorrect information on how much is needed to keep home they say mortgages is XXXX months behind which is incorrect, Ive sent proof multiple times to prove XX/XX/XXXX was paid and cleared account, they ignore it and use it against me. I have spent many hours researching account, dont was to foreclose on home, we have been in it for XXXX years and it didnt become a problem until Rushmore Serving took over XX/XX/XXXX and now they have it in foreclosure, I have paid mortgage thru want to be correct and homeowner be wrong. Its an online company that I didnt ask for and can not talk to anyone in person, because its an error and they foreclose and now Im fighting to keep our home They ignore emails and just send back incorrect information and the expect the homeowner to accept it Please help, they should not be allowed to foreclose on their error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX XXXX XXXX SS XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX i do not have a contract with MIDLAND CREDIT MANAGEM, they did not provide me with the original contract as i requested
Product: Debt collection

They have reported on my credit report XXXX accounts that are still open and not showing paid. One for XXXX XXXX XXXX and the other for XXXX XXXX Bank. XXXX have been paid, XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i'am a victim of identity theft. please remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my behalf that was fradulently opened! I did not give any written consent to publish this information on my credit report nor did I authorize this account to be opened in my name! By law section 1666! For each violation there is a {$1000.00} legal fee that should be paid to consumer!
Product: Mortgage

Lost work during pandemic. Had to wait til I could qualify for pension. So I had no money. I did the foreberance without being notified that I would no longer qualify for a loan modification. I cant pay {$9000.00} to bring up to date nor can I afford {$1500.00} a month to pay current and past due. 

I should be allowed another modification due to the pandemic. Or allowed to put those foreberance payments to the end of the loan. Or allowed 24 months to repay past due.
Product: Credit reporting or other personal consumer reports

I submitted a complaint referring to the fact that per the FCRA 15 usc 1681a a consumer report does not contain transaction history. This stands to mean that this complaint has nothing to do with the company sending the report to any of the agencies, but today i received an email from XXXX XXXXXXXX saying that they received my dispute from equifax. This also stands to mean that instead of equifax resolving the issue on their end, as they should be willing to do per the Fair Credit Reporting Act, they are opting to try and push the responsibility to the companies I referred to in my initial complaint. Below i will attach my initial complaint along with the screenshot of the email i received from XXXX XXXX
Product: Debt collection

I have faithfully made payments to this collection agency for 3 years ( i have all my bank statements to prove ) but they did not notify me they were selling my debt to another agency and this agency is now attempting to collect on original amount of debt and none of my payments have reflected and they reported me to credit bureau as a " charge off ''
Product: Credit reporting

There is an incorrect address on my credit report. It appears my address number and apt number were merged together
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. 


I sent letters to XXXX, XXXX, and Equifax as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXX  and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

Portfolio Recovery Associates has repeatedly tried to collect on a debt not initiated by me. It currently shows 'opened ' XXXX XXXX, XXXX with a balance due of {$1100.00}. 

They have re-aged someone 's debt that they originally attributed to me in XXXX. The original debt occurred more than 7 years ago. The address is not mine and the credit cards seems as though it was originally for a business account. 

I contacted PRA through my lawyers. 
They sent my lawyers documents regarding the debt being owed but not of me originating it. I have a common name but I never had an account with PRA. 

PRA has misrepresented and repeatedly 'corrected ' it to the credit reporting agencies on many occasions since I first noticed it and started disputing it. 

Now, the original owner of the debt is listed as XXXX XXXX. I currently DO have an account with XXXX XXXX that is not and has never been delinquent. 

Several times PRA 's erroneous report has been removed from all 3 of my credit reports only to reappear AFTER the allotted legal deadline. Once it appeared 4 months later! 

I am ready to go forth with a full fledged lawsuit but understand that I should ( must? ) file with CFPD first. 

I need Portfolio Recovery Associates to submit a removal to all 3 credit reporting agencies immediately. I did qualify for the class action lawsuit against them but declined not realizing PRA was still practicing their unlawful tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to complain about a credit card that was opened fraudulently in my name since XXXX of XXXX  and it's been reported as a derogatory report on my credit report. This incident happened in the year XXXX when i was about moving into my current home. I got a call from a man that claimed he worked for Bank of America and that he was calling to help me consolidate my credit card debt. He then explained to me that instead of making several payment, that i will be making a merged payment that will be disbursed into my other account. after the conversation, this guy went and opened fraudulent credit cards in my name, one from XXXX XXXX, and the other from Bank of America. By the time I realized that it was a scam, he had moved money from the Bank of America credit card, but i was able to close the XXXX XXXX. I reported the case to the police and they said there was nothing they could because he had always called me from an unknown number. I have done everything within my means to dispute this debt but it's still been reported on my credit report as a derogatory claim. I will appreciate your effort to intervene with Bank of America to remove this claim from my credit report. 

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

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : Credence Resource Management Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Product: Mortgage

In XXXX 2015, we suffered damage to our home, which resulted in an insurance claim being filed and reimbursement received. The reimbursement check from the insurance company was made payable to us as the homeowners and to the mortgage company, Nationstar Mortgage. On XXXX XXXX, 2015, we sent the check to Nationstar Mortgage for endorsement. Prior to mailing the check, I contacted Nationstar Mortgage as to the proper protocol to be followed when submitting this sort of check. I was not given any specific instructions other than a mailing address. In order to streamline the process, I thought it would be prudent to send an entire binder of information relating to this claim - paid invoices, the insurance appraisal report, a complete explanation of what damage had been incurred and the remaining work necessary in order to restore our property. I was told by Nationstar that they would contact me within two days regarding the check and the claim. 
The check and related information were delivered to Nationstar on XXXX XXXX, 2015, as evidenced by the USPS tracking information. 
We were not contacted by Nationstar within their two day promised window. Rather, they contacted us on XXXX XXXX, 2015. The representative we spoke with was completely ignorant of the situation and did not understand anything about the documents which Nationstar received. As a result, she " rejected '' the documents and did not proceed with processing the claim. The inspection was cancelled and the claim check was left with Nationstar to languish in their system. We requested to speak with a supervisor and to have the inspection rescheduled. The representative assured us that a supervisor would call us and that the final inspection would be scheduled within the next day or two. 
By XXXX XXXX, we had received no call back from the supervisor nor were we contacted to schedule an inspection. I again called Nationstar and again the representative I spoke with was unfamiliar with the claim. She could see in the file notes that the inspection was cancelled and not rescheduled and that certain documents had been rejected. I again had to clarify the documents for her and after I explained the relevance of the related paperwork, she agreed to reschedule the inspection and accept the reports which I provided. She also informed me that the insurance reimbursement check was being returned to me for another endorsement ( from the insurance adjusting firm ) before Nationstar would accept it. 
Nationstar is extremely difficult to deal with because their customer service representatives do not understand the entire process nor do they communicate to you what is needed to complete the process. We have repair bills which need to be paid from this insurance reimbursement and Nationstar is holding up our money through their sheer and complete incompetency. They do not adhere to their promises nor their verbal representations. We have bills which must be paid through this insurance reimbursement check and due to Nationstar 's negligence, we are unable to pay them. Everytime we call them, we get the runaround. I have spent hours on the phone trying to resolve this issue.
Product: Debt collection

In XXXX of 2017, Collection Management Services reported an alleged debt without verification. The company did not provide any form or agreement that gave the organization a right to collect according to the FDCPA. The company did not disclose that I had a right to dispute the alleged debt nor did they inform me that I had 30 days to do so. I have sent a cease and desist order for all communications. According to the act, communication is the conveying of all information through any medium and my credit reports are mediums of communication. I request that Collection Management Services cease and desist and remove all of my information from their records as well as from all credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been more than 4 months that I sent all documents to credit bureau to delete those wrong information, I sent a copy of ftc report, also they asked me copy of my driver license, social security and a bill, everything was sent. the only company that did not correct the fraudulent information was Equifax. 

delete hard iquiries alredy sent ftc and CFPB report XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/ at around XXXX XXXX, I received an email from PayPal stating that XXXX XXXX sent me {$27.00} ( XXXX XXXX XXXX. That same day, around XXXX XXXX I received another email from PayPal stating that XXXX XXXX had started a conversation ( see XXXX ). I joined that conversation, where she stated that she sent that money by mistake and I told her that I could refund it minus the fee that PayPal does not refund ( and to which I never agreed on, that fee for this transaction was {$0.00} ), which came to a total of {$26.00} ( {$27.00} - {$0.00}, see XXXX ). In that same conversation she noted that this was okay. At around XXXX XXXX, i received an email from PayPal that a dispute that been opened for the {$0.00} ( see XXXX ). This sounded like a contradictory statement made by XXXX XXXX on the conversation she had opened. Furthermore, when viewing the complaint itself ( see XXXX ), she mentioned that the issue was " Item not received ''. I never sold XXXX XXXX any goods and prior to this encounter, I had never met her. She sent money to the wrong account, asked me to return it, and I returned it, minus the fee charged by PayPal ( deceptive practices ). There is no reason why I need to pay out of my own pocket for the mistakes of others. The appropriate thing to do, like all other financial systems, is to refund both, the money and fees, thus PayPal deceptive practices which attempt to rob people from their hard earned money. I attempted to contact PayPal via phone ( twice ) and left messages on their chat line, but all attempts were unanswered. 
On XXXX XXXX XXXX  I submitted information about the dispute, mentioning the same information found on XXXX and received an email that they had received my information ( see XXXX ). On XXXX XXXX XXXX I received an email that from PayPal with the title " We've decided in the buyer 's favor '' and deducted the {$0.00}, leaving my account XXXX XXXX. This is an unfair practice, especially since I never asked for any money, the sender agreed to the partial refund ( due to the unfair PayPal fee charge ), and I have to pay out of pocket for this? I would like a refund as well as an investigation into these unfair PayPal practices.
Product: Credit reporting or other personal consumer reports

" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause 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 ofthis 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 '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Product: Credit reporting

I have a collection on my Equifax credit report that is inaccurate. I have disputed the charge several times through Equifax with no luck of having it removed. This same charge was found to be incorrect by a XXXX dispute investigation and it was removed from that credit report. I want it removed from my Equifax report as well.
Product: Student loan

I've already complained to the U.S. Dept. of Education 's OIG regarding the fact that my Total and Permanent XXXX Discharge was approved back in XXXX BUT I NEVER GOT A REFUND OF THE GOOD FAITH EFFORT PAYMENT 'S I MADE TO THEN XXXX XXXX, AFTER THE TOTAL AND PERMANENT XXXX DISCHARGE WAS APPROVED! 
It doesn't " help '' that I did have an XXXX " free '' life line cell phone that was DISCONTINUED, AFTER I GOT SCAMED BY THE " XXXX XXXX XXXX XXXX OFFERING ... '' unlimited data and free wi-fi. '' Considering that I am a XXXX  recipient-beneficiary whose XXXX Benefits are... WAY BELOW THE U.S. D.H.H.S . POVERTY GUIDELINES FOR A ONE PERSON HOUSEHOLD, ALSO RECIEIVNG S.N.A.P. & MEDICAID, ( MIND YOU I'M " supposed '' TO NOT HAVE TO PAY OUT OF POCKET FOR CELL PHONE SERVICES ' ... NELNET IS NO DIFFERENT THAN XXXX  THAT CLAIMS TO BE " XXXX XXXX, '' OVER THE TELEPHONE! I ALREADY COMPLAINED TO THE F.C.C. ABOUT THAT, BUT THE POINT TO BE MADE ... SINCE NELNET WON'T PUBLICLY PROVIDE ANY CUSTOMER SERVICE CONTACT INFORMATION, ( DUE TO THE FACT THAT THEY'RE READY TO BE SUED FOR THE CRIMINAL BEHAVIORS ' ON THEIR END, ) " XXXX XXXX QUESTION '' TO BE ANSWERED IN ANY U.S. COURTS FEDERAL DISTRICT COURT ( S ) ' ... WHY DIDN'T I RECEIVE MY REFUND CHECK? HOW MANY PEOPLE BORROWERS ' HAS THAT HAPPENED TO? 

NELNET BETTER BE READY TO MAKE A SETTLEMENT OFFER, UNLESS THEY CHOOSE TO GO TO COURT ... WHAT DOES THE U.S. ATTORNEY GENERAL DESIRE? THE EXECUTIVE U.S. ATTORNEY?