23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX oes not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXXXXXX 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 XXXXXXXX i will be filing form XXXX XXXX  XXXX forms to audit consumers account. 
EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Mortgage

First off, I believe that I am being wrongfully foreclosed on due to the following. On XX/XX/XXXX, the California XXXX XXXX posted publically, that XXXX XXXX XXXX, XXXX entity # XXXX was no longer allowed to do business in the State of California ; however, on XX/XX/XXXX, said company recorded a Notice of Default and Election of Sale under Deed of Trust in official records of XXXX XXXX. If XXXX was no longer allowed to do business in California, how were they able to issue foreclosure documents against my property. Next, XXXX XXXX XXXX is the new Trustee as of XX/XX/XXXX. Since this time, XXXX XXXX XXXX has recorded a Notice of Trustee Sale against my property piggybacking off of XXXX fraudulent Notice of Default. 

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California XXXX and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of XXXX   placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of XXXX. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$XXXX}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after XXXX  years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed this account XXXX XXXXXXXX 3 months ago with XXXX and it came back verified, so i followed it up with a method of verification request on XX/XX/year> and got no response. 
I also wrote XXXX 's through CFPB on XX/XX/year> and the responded on XX/XX/year> promising an investigation and a response. It has been 5 week since they promised an investigation, yet no response. My wright has been grossly violated and this account should be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX - I just got a copy of my credit report, I noticed that you are reporting this account incorrectly. This collection account is reporting not only as " XXXX, but also a past due balance of {$XXXX}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion
Product: Debt collection

On XX/XX/XXXX I received a letter from GC Services Limited Partnership in regards to the debt I owe to XXXX University. On XX/XX/XXXX I processed a payment through the given website on the letter. My bank account is showing that the payment has been processed and cleared yet their website is showing the debt is still owed and I continue to receive calls from GC Services Limited Partnership. These calls have been received the following dates : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I've explained this issue to the gentleman calling and he states that the charge does not show up in their system. I've also attempted to contact their company through email but the email address listed on their website appears to be incorrect as the emails continue to show that they can not be delivered. The customer service rep I speak to with GC Services suggests that I submit my payment again. I should not have to do this as the payment is showing as processed. I am concerned that this is fraudulent practice.By the company not showing that my debt has been paid, XXXX University is withholding my XXXX XXXX XXXX certification.
Product: Mortgage

In XX/XX/XXXX, my mother and I got a home equity loan from Homecomings Financial/GMAC for $ XXXX. The terms were 6.75 %, interest only, amortized over 30 years, with principal payments to start if we still had the loan after 10 years. Due to health and job losses, we were unable to keep up with these payments ; we eventually declared bankruptcy. We agreed to a loan modification that lowered the rate to 6 %, keeping it interest only for the remainder of the loan ( XXXX ). We agree to add interest payments we had missed and escrow shortages, as well as late charges to a new unpaid principal of {$270000.00}. 

Ocwen purchased my loan from GMAC after modification ; I confirmed Ocwen has the loan mod docs. I have been making payments on time per the modification since XX/XX/XXXX. My usual payment is {$1500.00}. In XX/XX/XXXX, Ocwen told me my payment is changing to {$2200.00} because the interest rate went up to 6.75 % and now I have to pay interest. They also added {$250.00} in late fees incurred BEFORE the loan modification, even those fees were rolled into the new principal amount when the loan was modified. 
There are also errors & undocumented fees reflected on my payoff. For example, the new principal if for interest portions from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, but GMAC 's own records show I paid the XX/XX/XXXX amount. The escrow shortage reflected is also incorrect ( GMAC doubled the amount, and initially charged me double ( $ XXXX/mo ) after the loan modification until they caught the mistake about six months later ) .. 

Finally, I have been trying to get the payoff corrected since XX/XX/XXXX, and have provided them documentation but they do not respond to what I have presented and refuse to resolve this. Their payoff shows legal fees, but the only legal fees were incurred AFTER the loan was modified and when I was in compliance, so it would not have been reasonable to hire a lawyer to foreclose or take any action against me at that time. They also, AGAIN, are trying to charge for late fees already rolled into the principal. rOn XX/XX/XXXX, I had a friend help me talk with an Ocwen agent who went through every aspect of this case in a call that lasted over an hour. He agreed that there was a clear error by Ocwen and said that we should fax a letter and the issue regarding the monthly payment and the payoff would be addressed in no more than 10-15 days. We faxed a detailed letter, with copies of all loan mod docs and proof of their errors ( attached to this complaint ). 

I called last week and was told it would take another 30 days. They have several times told me 30 days, then another 30 days, and nothing is ever fixed. I can not afford to pay this amount, and more importantly, I do not owe this amount. I am trying to refinance, but ca n't because they are threatening me if I do n't pay what they are asking and they will not correct my payoff. Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$820.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy. 
Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account. 

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 46 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

TransUnion removed my ability to dispute items on my credit report through the Internet portal, and is making it burdensome to figure out why or dispute my items by mail.
Product: Mortgage

Our mortgage was transferred from greentree mortgage to ditech. Our mortgage payment is made every month on time thru my bill pay from my bank account. Starting XX/XX/2016 we keep receiving statements showing them not receiving the payments. I have contacted ditech several times trying to straighten this out. I was told the payment was applied to my escrow account and they could not explain why this was happening and assured me this would be corrected and the late fees would be waived because it was not my fault. Every month I contact them several times trying to have this corrected. I am very frustrated and upset with ditech. Can you please help me?
Product: Mortgage

On XX/XX/XXXX we entered into a construction loan with Wells Fargo which was converted into a conventional mortgage, at the end of the construction phase, also with Wells Fargo. We believe on XX/XX/XXXX, when we enter into a Conventional mortgage, Wells Fargo Loan Manager, XXXX XXXX, over charged us {$13000.00} in settlement charges on our home mortgage. We believe XXXX XXXX took advantage of us and did not explain and failed to disclose all of the fees properly. She did not give us ample time before closing to make a proper decision. We did not have enough time to switch lenders. The following fees, we believe were excessive ; Return to Float Fee ( {$4100.00} ), Rate Lock Extension ( {$4200.00} ), Loan Origination Fee ( {$4100.00} ), endorsement by XXXX XXXX XXXX XXXX  ( {$1100.00} ). 

On XX/XX/XXXX we attempted to refinance our existing mortgage with a lower interest rate mortgage with Wells Fargo. We again dealt with Wells Fargo Loan Manager XXXX XXXX who attempted to charge us 3/8 of point on a {$570000.00} mortgage, including another {$1200.00} for an appraisal fee. The reasoning she gave us for the 3/8 of a point cost was because our home did not appraise for {$990000.00}. On XX/XX/XXXX Wells Fargo had our home appraised. The home appraised for {$920000.00} on XX/XX/XXXX, but the e-mail Ms.Torres set to me on XX/XX/XXXX about loan options, clearly stated " **These rates are based on assumption of a credit score of XXXX, and a value of XXXX obtained as an estimate from Zillow ( we need a minimum of value of {$810000.00} so we should have no problems with value of the home ). *These rates are for today right now only, we get new rates every day and can have rates worsening and/or improvements throughout the day that we would be subject to. 
On XX/XX/XXXX we decide to refinance our mortgage with XXXX XXXX XXXX. On XX/XX/XXXX XXXX had our home appraised and it was appraised for {>= $1,000,000}, well above the {$920000.00} Wells Fargo appraised it for and above the {$990000.00} XXXX XXXX said we needed to be appraised at. This appraisal happened about a month later, and it increased {$270000.00}. We believe this proves Wells Fargo 's and their Loan Manager XXXX XXXX ' deceptive type behavior and practices. Taking advantage of customers is an unacceptable. Here are the fee Chase charged which were fair and explained correctly and not disclosed at the last minute : Origination Fee ( {$680.00} ), Charge for a specific interest rate ( {$700.00} ), Appraisal Fee ( {$800.00} ), Credit Report ( {$10.00} ), Flood Certification ( {$11.00} ), Title Service ( {$1100.00} ) for a total of {$3300.00}. A lot more acceptable than the {$13000.00} Wells Fargo charged us. To be exact {$10000.00} more acceptable.
Product: Credit reporting

I have had to repeatedly submit formal notice and demands in accordance with FCRA for Equifax to remove the fraud alert from my credit report. They have repeatedly purported that " no fraud alert currently appears '' on my credit report. And then when I access my credit report again, the fraud alert ( " EXTENDED FRAUD ALERT '' ) is conspicuously appearing at the beginning of my report. I reckon that 's their angle : to remove it from consumer view temporarily and tell me that it 's not " currently '' appearing ... and then reinsert the fraud alert. This has occurred now well over XXXX times. They can no longer make a claim of negligence. This is willful, and it has caused me irreparable harm. It needs to be permanently removed.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear CAP ONE AUTO, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that CAP ONE AUTO has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for CAP ONE AUTO to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that CAP ONE AUTO immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring CAP ONE AUTO into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that CAP ONE AUTO will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I had a no fault head-on collision which generated medical bills and was unable to work for more than a year. According to my counsel the resulting bankruptcy should not be held over seven years. Experian is not removing the bankruptcy or noting that I paid my debts included in the bankruptcy through reaffirmation. This is not to be held over seven years according to my counsel as it is a medical bankruptcy resulting from a no fault collision and is being held for 10 years, not seven. It should be removed immediately as it is timed out, I have challenged and been refused by Experian. Recently I have experienced bank fraud and need to repair the credit reporting to move forward.
Product: Credit card or prepaid card

This is a credit account for 24 months with out interest used by our XXXX t0 finance XXXX  work. 
My wife started early this year, I started in XX/XX/XXXX. 
The attached PDF shows the typical XXXX XXXX XXXX XXXX XXXX billing stub. 
The stub clearly shows that payment must reach XXXX by XXXX XXXXET of the due date. 
I do all my billing thru my bank, and I have setup my account with XXXX with Autopay, for 24 months, so on the 19th payment will reach XXXX  ( as I have done with all my other billing ). So, XX/XX/XXXX was my first payment. 
On my XX/XX/XXXX statement I notice a {$39.00} late fee. 
I called and told the customer seervice rep that according to my bank ( XXXX ) payment was made and money withdraw from my account on XX/XX/XXXX. 
He insisted that no payment was made, but after a while trying convince the CSR he charged gave me a {$15.00} dollars credit. 
On XX/XX/XXXX bill again I found a late fee. 
I called again XXXX  CS but, knowing they would not be able to help, I asked for a supervisor, I was on hold for over 20 minutes, finally I hanged up. 
Made my payment in XX/XX/XXXX, and on XX/XX/XXXX I received a call from XXXX. 
Did not answer, but called back within 5 minutes. 
The CSR told me that I was overdue, I told her that - again - according to XXXX  payment was made and money withdrawn on XX/XX/XXXX, she insisted that it was not. 
I have attached also mu wifes XXXX stub and activity as a sample to show that both accounts have the same process. Thankfully, her account is OK. 
If I incurred an error setting up the account, I would like to know how XXXX was able to make payments and where this money is going, because the payment name and address are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There was a mobile cell phone account opened in my name the balance is XXXX also a personal loan for XXXX. Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report which includes several inquiries that I did not authorize and the credit bureaus should not have released my report to these companies and doing so without my permission is a violation of my rights. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX