23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Midland Funding and was advised my debt was now with XXXX and XXXX. I have not received any written communication or any calls from XXXX XXXX XXXX. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with XXXX and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with XXXX XXXX XXXX, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove two accounts that are past the statute of limitations for residents of California. XX/XX/XXXXXXXX mortgage loan, XXXX XXXX XXXX loan and XXXX XXXX credit card. Both are beyond four years old. One dispute result was never revealed to me as they will not provide it in writing or online, and I can not get through on the phone. All my other reports show three open accounts and the other accounts have been removed. Experian refuses to update my credit report with correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attached the three credit burau reports. XXXX formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$990.00}
Product: Debt collection

per fcra this company is entitled to provide proof to me regarding the debt to ensure it actually belongs to me.. I have made several request for them to provide proof and no proof has yet be submitted
Product: Checking or savings account

On XX/XX/24 XXXX committed merchant fraud and scammed me out of {$410.00} by charging my Chime debit card and never providing the product and service which I paid for ( a roadside tire delivery and install ). I then called them while recording the conversation, and they informed me on a recorded line that I would be granted a full refund. I was never granted the refund. I later learned that XXXX was a fraudulent merchant and never intended to deliver me a new tire or replace it, and that this was a common scam they run. I disputed the charge with Chime and Chime ruled in the fraudulent merchants favor each time, claiming they presented some sort of evidence, which is impossible because I never received neither product nor service.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, XXXX XX/XX/XXXX, someone reported my XXXX XXXX credit card balance as {$100.00} to all major credit bureaus. However, my actual balance is {$0.00}. This false information has caused my credit score to drop by XXXX points unfairly. I demand that only XXXX credit report per month be submitted for my accounts to prevent such inaccuracies. 

Additionally, I request that my credit score be immediately restored to its proper level before this erroneous reporting. Please investigate and rectify this issue promptly. 

Thank you for your attention to this matter. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

On XX/XX/2021 I sent a letter to HUNTER WARFIELD. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

he CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a paypal credit card to see if I could buy necessary car parts on XXXX. I filled out the credit card form and was informed I was declined due to having little to no credit. It left a hard inquiry in my credit report that I was not sure it would have that affect.
Product: Credit reporting

XXXX - XXXX - XXXX XXXX, 2015 - Open - $ XXXXXXXXPlease validate and verify the account by providing the necessary information or removed from my credit bureau : A copy of the signed contract or other documents that provide evidence of the relevant consumer 's liability for the debt in question. 
Copies of all, or the last XXXX ( whichever is fewer ), account statements. 
All account numbers used by the bank ( and, if appropriate, its predecessors ) to identify the debt at issue. 
An itemized account of all amounts claimed to be owed in connection with the debt to be sold, including loan principal, interest, and all fees. 
The name of the issuing bank and, if appropriate, the store or brand name. 
The date, source, and amount of the debtor 's last payment and the dates of default and amount owed. 
Information about all unresolved disputes and fraud claims made by the debtor. Information about collection efforts ( both internal and third-party efforts, such as by law firms ) made through the date of sale. 
The debtor 's name, address, and Social Security number.
Product: Debt collection

paid for this bill to XXXX medical center for six year or more years! then stopped billing me, and turned over to collection agency filling on my credit!! this is a six and one half years old and I never missed not XXXX payment! this was all caused from a insurance company I paid for fifteen years did not pay a bill they approved with hosp. and XXXX!!
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX credit report, I noticed a company called Barclay Bank & XXXX had made an inquiry on XX/XX/year>. I do not recognize this company. 

I attempted to call the company, but there were technical issues which made it very difficult to hear the person on the other end. She also asked for my Social Security number which I refuse to give. She told me she could not help me. 

I searched my email to see if I had made any communications with this company, but I had not. Please remove this inquiry from my credit report. It does not show up with the other two credit bureaus. Thank you.
Product: Vehicle loan or lease

Regarding Vehicle XXXX XXXX XXXXXXXX XXXX Vehicle has been stolen from ally financial bank and was put under a different name illegally. 


Please return money to XXXX XXXX immiadetly
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus Equifax, XXXX  and XXXX  to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.
Product: Mortgage

For more than a year, Wells Fargo has rejected all lawful tenders to pay off the mortgage or provide proof that they are the owner in due course of the note and the mortgage. They have refused to provide proof of the original signature on either the mortgage or the note. 

XXXX XXXX XXXX was the originator of the alleged loan, an in a conversation with XXXXXXXX XXXX they admitted that their books were balanced they day of closing and they did not suffer any decrease in their accounts on the day of closing. 

Under Dodd-Frank Act : the credit application was the credit and collateral for said loan security. SSA-89 form clearly states that they would receive funds even before the work would have begun. 

Neither Wells Fargo nor XXXXXXXX XXXX has provided proof of a loan to show either performance of providing funds to close. Neither has showed proof of the XXXX date the mortgage was placed in the XXXX XXXX. On XX/XX/XXXX, without any proof of a loan, our home was sold via XXXX XXXX in XXXX XXXX Louisiana Docket # XXXX, to an investor The XXXX XXXX XXXX, XXXX headed by a member of XXXX XXXX XXXX XXXX XXXX Department and his wife that is an attorney. 

Despite all the evidence provided to the courts, no one to this day has looked over the documents provided. The sheriff 's office arrived at XXXX on XX/XX/XXXX and said I had to be out of the residence by XXXX the following morning or forcibly removed. 

Under Tender Of Payment law, multiple tender 's were refused by Wells Fargo. A bill of exchange was finally delivered to the court and receipted into the case and was directed to be recorded into the Court Registry Investment System as full payment and settlement of the account. The courts kept the original deposit of the Bill of Exchange, they sent a copy of the original back under seal of the court. No action was taken to investigate the other evidence and documents of ownership, payment, or securities fraud pointed out. 

Under Louisiana TITLE 9 Civil code-ancillaries RS 9:5167 Cancellation of mortgage or vendor 's privilege by affidavit of notary or title insurer where paraphed note or other evidence is lost or destroyed No evidence of a true right to claim or foreclose has been provided.

Under 2019 Louisiana Laws Revised Statutes Title 10 - Commercial Laws 3-603. Tender of payment has been evidenced multiple times in the court records XXXX # XXXX XXXX XXXX XXXX, XXXX, Louisiana. 

The alleged loan, closing was XX/XX/XXXX ; the Wells Fargo assignment did not appear until XXXX, XXXX XXXX ) years later. Neither Wells Fargo nor XXXXXXXX XXXX could provide any proof of a decrease in their accounts on closing date. Neither could provide a cancelled check or deposit receipts for the loan. Not one document other than their reference to the HUD 1 statement, that does not show either produced any funds at closing to close the loan.
Product: Credit card or prepaid card

Received unsolicited Reliacard from mail asking me to activate it
Product: Credit reporting

On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Their response to my complaint XXXX does not answer my question. They just sent a lot of legalese and terms. I want to know why my score with them is over 100 points less than XXXX XXXX and XXXX. 

Also, I can not find my originals complaint in the CFPB database.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} 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 {$390.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have called the company several times, trying to get any information about how to deal with this debt or to make payments. I never got any information about being able to dispute. Now at this point, I have to deal with XXXX the XXXX from the company who hangs up when asked certain questions about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

they will not let me file a dispute, after i called them they sent me a letter, saying they can not access my credit file, they put my name as XXXX XXXX XXXX sr, my name is XXXX a XXXX and no sr. they will not take my dispute,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  account # XXXX and # 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 .In accordance with the fair credit reporting act my rights have been violated and I want these accounts removed not posted as closed REMOVED!!
Product: Mortgage

The lender failed to provide the detailed explanation required by Regulation X,  12 C.F.R. 1024.41 (  d ). of the denial of a loan modification- the lender has stated that due to an HOA foreclosure they will not review for a loan modification - there are no provisions stating that a review for a loan modification can not be completed due to out side factors such as the  HOA  FC. While the client is working on paying the  HOA  and working out an arrangement to do so we requested a loan modification review to be completed.
Product: Credit reporting or other personal consumer reports

JPMCB CARD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Information on Debt Account # unknown Dear XXXX XXXXXXXX auto I am writing to request the following information regarding the debt account referenced above. In order to properly assess my situation and ensure accuracy in my records, I kindly ask that you provide the following details related to this debt : The date of my last payment on this account. 
The date the account was charged off. 
The date the account was first reported as delinquent. 
Please provide this information in writing at your earliest convenience. I am not disputing the debt at this time, but I would appreciate your prompt attention to this matter. 

Thank you for your cooperation. Should you require any further information, please do not hesitate to contact me. A charge off can not be collected as it was transferred to a trustee and can not be transferred back. 

Sincerely,
Product: Vehicle loan or lease

On XX/XX/XXXX, American Credit Acceptance repossessed my XXXX XXXX XXXX. According to my records I am currently due for XX/XX/XXXX, and XX/XX/XXXX payment. I was given and approved for an ( 3 ) month extension in XXXX. I made the following payments : XX/XX/XXXX, XX/XX/XXXX, which was applied to the month of XXXX. I was going to pay the XXXX payment on XX/XX/XXXX. I called American Credit Acceptance to discuss my account and it was bought to my attention that the extension was never applied to my account. When I went into the borrower portal to check on my account, the transaction history is unavailable and the account is currently due for {$4400.00}. This information is not correct had the ( 3 ) month extension been applied to the account. I was told what was needed for a reinstatement which I do not have at this time. Also currently the interest rate is 20 % and I am still owe {$52000.00}, on this loan. American Credit acceptance never applied the extension and I have done everything to keep up with the payments. They never contacted me to let me know that the extension was never applied. The repossession occurred while taking my kids to their first day of school. The reinstatement department stated that someone from " upper management '' would be contacting me however, they did not explain why. Due to this misunderstanding we are without transportation, and we do not have a point of contact to get this matter resolved. American credit Acceptance has not been easy to work with and their total lack of communication has proven that they do not care or live up to the relief programs that they offer. I have attached all of the documentation that I received from American credit acceptance. According to my records we are due for XX/XX/XXXX, and XX/XX/XXXX, which would make us 29 days past due had the extension been applied to our account. We both signed electronically within the American Credit Acceptance system. We also paid the XXXX payment early as good faith towards the extension agreement. As you can see the payment was credited and then reversed, and then credited again on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXX XXXX on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " XXXX XXXX XXXX XXXXXXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/ 2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with XXXX  and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated.
Product: Mortgage

Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit.
Product: Credit reporting or other personal consumer reports

The Consumer credit Reporting Companies changed their policies after the XXXX Student loan crisis & after the Recession to assist those affected and as a result are committing Mass Class Action XXXX  to a huge group of consumers! ( senior citizens, to point out one of the groups ). They decided to only give people " partial reporting ''.. ( to hide student loan XXXX  ).. but for seniors they're now failing to report XXXX of their purchasing years. They are inaccurately & discriminatorily & dishonestly hiding XXXX XXXX of their HARD EARNED Most Impacted years of credit.. such as home purchases, boat & vehicle purchases. I financed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and yet my credit report says they have nothing to report. This is so criminal & dishonest! XXXX  some people so that the XXXX yr olds can hide their student loan XXXX. It is your XXXX  because there are numerous other solutions that would work for everyone.