23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called numerous times throughout the years previous to my house being sold to inquire about my PMI still being applied.It should have fallen off long before the sale of my home. My accountant was upset about it. Was told that Wells Fargo based PMI on current value of the home opposed to the value at time of purchase. This was not fair business practice. My mortgage was purchased by Wells shortly after I refinanced it in 2011. They are not to have different terms than every other lending institution. I believe they overcharged me thousands in PMI.
Product: Credit reporting or other personal consumer reports

Request for Re-Investigation of Credit Report Discrepancies I am writing to formally dispute the accuracy of certain items that remain on my credit report despite a prior investigation. I request that these items be re-investigated immediately, as their inaccuracies are significantly detrimental to my XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Per the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, kindly furnish the names and business addresses of the individuals who verified the disputed information. This information will enable me to communicate directly with them. If you are unable to provide business addresses and contact information for these individuals, please remove or update the account accordingly Additionally, please send me an updated copy of my credit report upon completion of your investigation. 

In order to avoid any delays in processing and in the interest of transparency I have add my government photo ID, Proof of address, and social security card to verify my identity. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.
Product: Money transfer, virtual currency, or money service

Wells Fargo case number : XXXX XXXX companies causing Fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX Phony address on the website Delta Ghostwriting, XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Phony address on website XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Interstate Wire Fraud XXXX. XX/XX/XXXX XXXX purchase {$3300.00} for XXXX page book, formatting, editing, proofreading, and XXXX XXXX with XXXX XXXX XXXX. XX/XX/XXXX, invoice for XXXX XXXX by XXXX XXXX for {$7500.00} XXXX. XX/XX/XXXX wire transfer to XXXX XXXX XXXX XXXX XXXX Wells Fargo Account # XXXX ; {$7500.00} a. 9 Month contract to marketing my novel, once it was published. 
XXXX. XX/XX/XXXX novel editing haphazard, edits made not retained. 
XXXX. XX/XX/XXXX XXXX XXXX pitched {$4900.00} with XXXX XXXX for an XXXX XXXX package. 
XXXX. XX/XX/XXXX XXXX XXXX started dropping meetings 7. By the end of XXXX, XXXX I was fed up with the book cover art XXXX. XX/XX/XXXX I ordered XXXX XXXX to stop with any graphics development work on my www.mildmanneredmen.com property, their graphics, editing was poor, and I was forced to hire editors and artists to finish my novel. 
XXXX. XX/XX/XXXX XXXX from XXXX XXXX triend to sell me an additional services : a. {$1600.00} ( {$400.00} per platform for XXXX, XXXX, XXXX, and XXXX ) b. Also they pitched for Web Hosting for my website. Price unknown as I owned my own website XXXX XXXX, an additional {$1000.00} for setting up XXXX codes for my books XXXX. XX/XX/XXXX contacted XXXX XXXX to start the agreed and paid for marketing to start for my now self published book a. XXXX weeks for requested starts for the marketing program b. Repeated meetings set and not made XXXX Requested Zoom calls and no one will come on the video camera XXXX Next meetings out XXXX weeks, with no follow-up XXXX XX/XX/XXXX Files with the XXXX  Consumer Affairs who referred me to the XXXX XXXX XX/XX/XXXX Filed a Consumer Complaint with the XXXX of XXXX State of CA XXXX Filed with the Texas XXXX XXXX XXXX used Wells Fargos XXXX XXXX to demand repayment of funds i. XX/XX/XXXX Filed a Small Claims case in XXXX XXXX XXXX for {$12000.00} for
Product: Credit card or prepaid card

On XX/XX/XXXX I made XXXX {$700.00} payments on XXXX separate credit cards held by Capital One XXXX. The payments were sent through my XXXX XXXX XXXX XXXX account. XXXX was sent electronically and XXXX by standard mail. The one sent electronically was received and posted to XXXX of my XXXX credit cards. The other ( sent by mail ) was not received according to Capital One. I stopped the use of my Capital One credit cards until this issue was resolved. 

I had XXXX, XXXX conversations with XXXX XXXX and Capital One. Capital One continued to represent that they had not received the payment which was mailed. It was sent to Capital One Investigation Department. XXXX times I provided all the information requested by the Department. 

Capital One claims that they provided a temporary {$700.00} credit ( which I never touched ). On this past Thursday they posted my {$700.00} payment and the very next day they removed my {$700.00} back saying that it re-paid the temporary credit.
Product: Student loan

I have repeatedly been placed in forbearance when I asked about {$0.00} payment plans which has caused interest to accrue on my loans to over {$50000.00} on loans that were not nearly so high. I need help with these people. They call and call and call and call but wo n't give me the information that I need for income based repayment plans.
Product: Debt collection

The collection company Hunter Warfield, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I saw the information when I pulled my annual credit report Failed to send a written debt validation letter with the amount of the debt, name of creditor, notice of my right to dispute the debt within XXXX days. 

Called my cell without my permission. 

Making repeated calls. 

Misrepresent and miscalculated the amount of the debt. 

I was not provided the original contract.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/2024 and I have yet to hear back from XXXX, Experian, or XXXX. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the XXXX data breach as well as experian and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX | Reviews | XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXXXXXX & XXXX. This business is not XXXX  XXXX. 

I paid XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a HSBC XXXX Bank credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( A & XXXX management ). I contacted XXXX XXXX XXXX XXXX at the above information to procure a paid in full letter to give to the new company. 

The person at the ( XXXX ) XXXX took my name and the last four digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then zero. In order for us to send out that letter, you have to get a HSBC Security Card. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up. 

I called back the XXXX XXXX XXXX XXXXXXXX and am now paying them again to avoid civil litigation. XXXX XXXX XXXX  settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to HSBC XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX never sent a paid letter or email, but I do not still owe this HSBC debt and am now paying a second time. 

I wanted to see what would happen when I called back XXXX XXXX XXXX XXXX XXXX. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a HSBC credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my XXXX  Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, XXXX XXXX XXXX XXXX XXXX. I have fallen victim to XXXX XXXX  and have taken immediate action by reporting the incident. It is imperative to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX XXXX XXXX XXXX  I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm this records ( 1 ). ( A ). I'm hoping that these disputed accounts get updated. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been tled to request pursuant t0 FCRA {$6000.00} ( 15 U.S.C. $ 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the resut of identy tieft and fraud within 4 business doyS of you recelving this compiant ThiS fraudufent, inaccurate. and faise information consists of accounts from 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: Student loan

My student loans are with Navient I applied to have payments reduced via some sort of repayment plan back in XX/XX/XXXX ... I later found out that all my loans were reporting separately as individual loans even though I had consolidated them years ago while they were under XXXX I called navient and I was told to do a request to have them consolidated again so that they report at XXXX loan instead of XXXX separate loans ... so I did ... then areond XX/XX/XXXX I received a letter about my repayment request saying I did n't turn documents in which I did and then I called and the rep located them and said she was forwarding them over. A few weeks later I received a letter saying I had a payment due XX/XX/XXXX even though my loans were in defferment until XX/XX/XXXX. I called and was told the loans were paid off because of the consolidation but my application for repayment plan was still being processed and there was nothing I needed to do .... now weeks later the loans are still reporting to the credit bureaus as XXXX individual loans and as personal loans ( even though they are student loans and were previous reported as such ) but on navients site they show as XXXX lump some with XXXX payment ... I also have not received anything further regarding my repayment options or application .... this has been the worst process ever and I have been patient yet getting no where with them..
Product: Credit reporting or other personal consumer reports

Accounts are over XXXX XXXX XXXX and accounts that been paid. And some accounts showing late. Payments that are closed or old. And accounts that have the same account like duplicates.
Product: Student loan

Below is one of many communication sent to XXXX in which I outline my concerns. 

I am writing to request an itemized listing of my eligible payments for PSLF from XX/XX/XXXX to present. I recently received a denied PSLF application listing ineligible number of payments as the reason for the denial, which I feel is error. 

My last payment list XX/XX/XXXX online in detail 62 eligible payments while requested to have additional payments researched. A request that wasn't fulfilled until the submission of my request for forgiveness application was submitted. And since which I have made almost 36 more payments that haven't been accounted for on the letter I received today XX/XX/XXXX. Please either have a supervisor contact me or someone with contact information for the Department Education that can assist in reviewing my account because I have had very little success with your company as a loan servicer. 

Thank you, XXXX XXXX
Product: Debt collection

I received a telephone call from XXXX XXXX at Fidelity Creditor Services in mid-XXXX of XXXX notifying me for the first time of a debt that would be going to collections. I told XXXX that I had never received any notice and was caught off guard at the request from a random person asking for my credit card information to repay a debt. She responded that a notice was sent to an address that I have not been associated with since XX/XX/XXXX ( note that in XX/XX/XXXX I also notified the post office of my change of address, so I question whether they were actually unaware that I had not received the notice ). 

In connection with my rights under Section 809 ( a ) of the Fair Debt Collection Practices Act, I asked her to provide me with notice detailing the debt before I paid it and gave her my correct home address. XXXX noted that she would update my address in her system and send a new notice, however, it never came. To my surprise, on XX/XX/XXXX, I was notified via creditkarma.com that a debt was sent to collections. I immediately called Fidelity Creditor Services to understand why this was sent to collections, despite being aware that I received no notice of this debt ; however, I only received Fidelity 's answering machine, which noted that they were out of the office for the holidays and would not return my call before XX/XX/XXXX ( so I left a message ). I received a call back from XXXX on XX/XX/XXXX, and I expressed my frustration that she was aware that I never received notice of this debt and yet this debt was sent to collections. She was not able to provide me any evidence that the letter was actually sent to my new address ( so I question whether Fidelity actually sent the notice ). XXXX noted that she could send the notice to my email address, to which I asked her to please do so ( I'm not sure why this option wasn't raised during our first call ). A day passed and I never received the noticed via email. I called the next day on XX/XX/XXXX and told her I never received the email ( turns out she incorrectly typed in my email address and received a bounce back -- why she did not call back to confirm my email address is beside me ). 

XXXX " resent '' the notice ( which was dated XX/XX/XXXX ) and I immediately paid the debt ( including interest ) to get the derogatory mark off my credit report. The only written notice I have received was the notice via email and dated XX/XX/XXXX. I've attached the notice to this compliant for reference. 

I'm writing this complaint because I believe that the practices of Fidelity Credit Services should be investigated -- I am also disputing the {$36.00} interest that they charged. Fidelity was aware that I had never received notice and collected on the debt regardless -- they should not be able to profit off their unethical practices.
Product: Debt collection

I sent a debt validation request to the collection agency, asking them to provide evidence of the debt, such as contracts or agreements with my name, proper identification, and a signed document confirming the debt is mine. The agency has not replied or supplied the necessary documentation to verify the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees
Product: Credit reporting or other personal consumer reports

ACCT IS NOT MINE AND NEEDS TO BE VERIFIED AND REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX T Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Payday loan, title loan, or personal loan

I applicated for a Home Equity Line of Credit. I provided all documents and met the Credit score needed to be accepted. I was done provided a deny letter because unable to verify identity. Which is completely absorbed. I feel this is a discrimination because I am a XXXX male to be denied.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have a lot of unauthorized transactions on my cash app account and I filed a dispute but they keep denieng it. Instead the close my account I provided the information they ask I even verify my identity saying I must verify my identity to continue using cash app but after I send sensitive information the close my account. And denied all my dispute.. which is unauthorized..
Product: Debt collection

The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished.