23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX   XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine How is Experian able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please sent me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Mortgage

The practices of this company are oppressive. They are purposefully dragging there feet in processing my application. I have turned in information to no avail. I turn in information and it takes 4-5 days for a response. When I call I leave messages. I have called and every time they say they need a different document. I send in the document the same day and then I don't receive a response for five days. I am slowly accumulating more missed payments. If I'm not approved I have to come up with the amount due.
Product: Credit reporting or other personal consumer reports

Account is closed and paid and it keeps showing up on my credit report. 
XXXX XXXX XXXX THD/CBNA
Product: Debt collection

Optima Recovery Services LLC showed up on my credit report and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX in 2011. The amount on my collections is {$380.00}. I have never seen this amount due or been contacted to my knowledge for owing such an amount. I looked it up on my credit report and it stated that it was opened in XXXX 2011. I had no clue what the charges were for nor have I been to a health clinic in XXXX XXXX, MO. I called the original creditator who stated I was not in their system and never had been even to send to collections. I called Optima Services and the lady on the phone stated the only way I could remove the amount off my credit report would be to pay the XXXX in full. I told her I did not owe that amount and she stated it was for a XXXX. I told her I had full insurance, and if I had that service ( which I did not believe I had then it would have been paid by my insurance ) She could not answer my questions as to where, when and so on. So I asked to speak to a manager named XXXX. He said if I provided a receipt that it was paid they would take it off my credit report. I asked him if the insurance covered part of the services because I had insurance that should have paid it in full. He then admitted my insurance was never billed. He tried to say because I never submitted it to them. I had no knowledge of such a bill and if I had my insurance would have paid it in full. I do not owe this debt and would like it removed from my credit report immediately. They can no provide me with any information on the account nor support that I did not provide them with my insurance information.
Product: Mortgage

There was a mistake in payments where we were unaware that the escrow amount had increased, and they marked every payment as a nonpayment, not missing a small portion.
Product: Credit card

someone opened a account with capital one for a credit card i told them so many times it was not me and now its on my credit report and i would like it removed
Product: Mortgage

I have ditech mortgage company. I fell behind on my payments due to losing my job. Once I got my tax return and a new job, I was put on a payment plan of 4 months. I was told it could go up to 6 months. First problem was when I asked for 6 months they said ok and it would be reflected on my account in a few days. A week later it still wasnt. I was told to pay on the new plan anyway and set up payments with one of their reps for the next two weeks. They rep put the information in wrong. When I called in about it, I was told to make a payment that day and then I could be set up on a new payment plan for 6 months. I made the payment and now they are telling me they need another payment before they can put me on a new payment plan. The new payment is {$2100.00}, if I had that kind of money I would n't have this problem. Every time I call this company I get different answers from different people including supervisors. I think they are just in the business to foreclose on homes and sell them. Please do something about them.
Product: Credit card or prepaid card

Was informed account closed due to returned payments. I did not do this. I do not recognize payment accounts added. The payment that was returned says this XX/XX/2021 - {$280.00} RETURNED E-PAYMENT posted XX/XX/2021 {$280.00} One-time Posted I want account reopened.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a domestical wire transfer from my Wells Fargo account to XXXX. I was getting guidance from a WF employee on the phone as I have not done an online wire transfer before. Unfortunately I put a wrong account number. I called later WF and disputed the transaction. XXXX still received the money but they sent back to WF. XXXX also provided me evidence and XXXX  number to track the transaction. WF still denying and make me file a new dispute every time I call. This issue is delaying my house purchase and I there is no WF branch in my area as they closed most of them. My money is stuck at WF 's limbo. Please help me get my money back as I am hard worker citizen and this delay might ruin me financially. 

Thank you
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a payment issue that I have been facing while receiving payments from XXXX. I am a developer based in XXXX and regularly receive payments from XXXX, and my bank in XXXX, XXXX, is not under sanctions and is capable of accepting SWIFT payments. 

It has been over XXXX months since my payment dated XX/XX/XXXX with payment code XXXX XXXX was not received. Before this, my payments were received successfully for several months. The next payment after that was received, but I am still waiting for another payment dated XX/XX/XXXX, which has not yet been received. The XXXX code for the second undelivered payment is not known at this time as XXXX does not report it until 30 days later. 

I have reached out to my bank support in XXXX, and they sent me a screenshot of the payment status, which I have attached to this letter. According to it, the payment is currently in XXXX of the transit banks in New York ( either Bank of America or XXXX Bank XXXX ). 

XXXX claims to have paid a finder 's fee and chargeback on XX/XX/XXXX, but the situation has not improved since then. Despite my repeated requests, XXXX refuses to do any additional tracing. 

Please find the details of the account to which the payment should be sent : Beneficiary institution ( Beneficiary 's bank ) : XXXX XXXX : XXXX Beneficiary account : XXXX ( USD ) Beneficiary : XXXX XXXX XXXXXXXX XXXX XXXX of XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account of XXXX in XXXX XXXX : XXXX I would greatly appreciate your assistance in resolving this matter. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX Sole Proprietor Add : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ID : XXXX Tax ID No : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

I used my credit card to pay my XXXX cell phone bill once, will a few months later I was charged {$120.00} I disputed the charge, and locked my card. A few weeks ago they added it back and said they were mailing me information to dispute it via mail, they also sent me a link but the documents I have to support it are to large to upload. Now I am over limit and its reporting to the credit bureaus as me being over limit. On XX/XX/19 I called to let them know and he suggested I fax it in instead, I don't have access to a fax machine, why not resend the paper? I have never authorized XXXX to use my card or keep it on file and they are constantly trying to charge my card. I have a dispute with them for over six months that has not been resolved and I sent it to you as well.
Product: Credit card

I am formally complaining against WELLS FARGO CARD SERVICES I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).

I have contacted WELLS FARGO CARD SERVICES who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that WELLS FARGO CARD SERVICES stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Credit reporting or other personal consumer reports

I am a Victim of Data Breach and Identity theft. Please Enforce the Law and Make Experian block and delete the Collection account ( XXXX XXXX XXXX Account ) Open date XX/XX/year> and Closed within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. I have aattched supporting Documents to prove I was a victim of data breach and my identity was stolen. I also Aattched proof that XXXX XXXX Removed the Fraudulent Account From my Credit Report Experian thinks that they are above the law. I am asking the CFPB to enforce the law and make Experian remove these Fraudulent accounts that are not mine from my credit report. I demand that Experian remove this account, they are in Violation of 15 USC 1681
Product: Mortgage

Ocwen Loan Servicing Suspended my XX/XX/XXXX Mortgage Payment, and refused to apply it toward my Account unless I sent {$77.00} additional funds to cover a shortage in Escrow. We had been disputing every Letter they sent us regarding Escrow, since Ocwen took over Servicing XX/XX/XXXX from XXXX XXXX XXXX. Their was no shortage in Escrow the balance prior to the {$77.00} was {$3300.00}. The tax amount due in XXXX, was {$2600.00}. The bottom of a letter dated XX/XX/XXXX, please note your monthly payment has changed to {$2500.00} ( From {$2400.00} > {$1900.00} interest & {$510.00} escrow previous amounts from XXXX ) effective XX/XX/XXXX further detail regarding reason for the change will be included in a separate letter. The Letter explaining the {$77.00} increase was never received, but the demand phone call was clear, send the {$77.00} or we don't apply the payment. 12 days later Ocwen Escrow Department wrote a check for {$5300.00} from my {$3400.00} balance escrow account, when only {$2600.00} was due. The other {$2600.00} due in XX/XX/XXXX. 15 days later Ocwen Escrow Department wrote a 2nd check from my - {$1900.00} escrow account this time for the correct amount {$2600.00} putting my escrow balance @ - {$4100.00}. They suspended my XX/XX/XXXX payment, and put me in Default.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

NCB Management Service Inc. does not have a signed contract that states I agreed to pay NCB. This account is past the Maryland Statue Of Limitation on debt collection, while NCB is reporting this account as current with the credit bureaus. Although it is noncollectable. Reporting a different removal date from the original account holders. Despite numerous certified letters NCB always make the claim they are investigating this matter, yet never send a correspondence telling the results of the investigation. These are just a few of the many violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act that NCB Management Services Inc. continue to violate.
Product: Student loan

Sallie Mae calls us ( me and my cosigners/parents ) numerous times if we are late on a payment. With climbing outrageous interest, I owe Sallie Mae {$120000.00}. After graduating with a XXXX  's, I was unable to get a job with my degree so I had to settle for a {$9.00} hourly wage job as a XXXX XXXX. Knowing my payments were coming up, I called Sallie Mae in XXXX, 2019 and postponed my loans until XXXX, 2019. I eventually got a better job making {$13.00} hourly as a XXXX XXXX ( still not with degree ) and called them again in XXXX to try and negotiate my monthly bill as they were asking for {$1800.00} a month. I don't even make that amount monthly. They told me to wait until my bill was past due so that my account would be " active '' and then I could pay back my bills " based on income ''. I did as they said and called them a few days after my bill was late. I talked to collections at Sallie Mae and they told me that they didn't have an option to pay back my loans on an income-based plan ( even after they told me they did ). They said they could only have me  pay off interest which was still too much for me. It finally got to the point where they had to interview my cosigners and myself and ask us what our income was individually along with our monthly bills. We begged the collections lady to help us as my mom was in the hospital and out of work, and my dad was retiring in 2 days. My mom was relying on XXXX for income and my dad was about to take a drastic cut in his income from retirement. The collections lady told us she could only lower my payment to {$800.00} a month which is over half my monthly income. About 60 % of my monthly income. I can barely afford to survive, espcially with other student loans and bills I have to pay. They harrassed us and told us that we could file for bankruptcy. They didn't care that my mom nearly died, or that my dad ( who was diagnosed with possible XXXX XXXX a month prior which is why he was retiring ) had retired and didn't have enough income. We are still scrambling to make payments. My dad can't even pay his own bills right now. Now that I've been paying {$800.00} a month, it says I'm passed due and must pay {$2000.00} even though I have been prompt on my payments since they threatened to kick us out of the {$800.00} program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on different ocassions to dispute inaccurate information on my Equifax report regarding the creditor XXXX XXXX. Each time i dispute it the inaccuracies continue and even become more inaccurate drastically decreasing my credit score and hurting my report. I woulld just like this account removed completely from my report since it cant seem to be reported accurately and is causing major damage to my credit report.
Product: Mortgage

Chase continues to distort the facts associate with my loan application. when the company claims that it was investigating the issues, frankly nothing was been done, or else they would have discovered that Mr. XXXX emails me on XX/XX/XXXX, indicate there is no available loan program to me. The application Disclosure dated XX/XX/XXXX was sent for my signature with a loan amount of {$460000.00} which I never seek. My email to Mr. XXXX on XX/XX/XXXX, outlines the loan amount. Chase can provide my request for the amount of {$460000.00}. Even though I indicated the number was incorrect, Chase never tries to rectify this issue. What they are not disclosing to you are the emails sent by Chase on XX/XX/XXXX.XX/XX/2020 indicating that there is no loan program available to me.
Product: Money transfer, virtual currency, or money service

I applied for XXXX XXXX  on XX/XX/XXXX and was approved through TD Bank. I placed an order on XX/XX/XXXX and then cancelled it as my promotional item wasn't included even though I had selected it. OnXX/XX/XXXX I placed a new order that included my promotional item. The order went through and I saw the pending withdrawl on TD Bank. A few hours later I get an email that my order was suppressed and cancelled. So I waited 24 hours and placed the order again on XX/XX/XXXX and again it was suppressed and cancelled. I waited 48 hours and tried to place the order again onXX/XX/XXXX and still it keeps getting cancelled. I have called XXXX and TD Bank numerous times trying to get them to fix this issue as all my information is correct but they just keep telling me it's due to a fraud alert. XXXX  says it's TD Banks issue and TD Bank says it's XXXX  issue. I've called and verified all my information over the phone but yet they still will not let me place an order. At this time I have a hard check on my credit report as well as approved financing that XXXX  and TD Bank refuses to let me use.
Product: Debt collection

Dear Sir/ Madam, This debts ( Account ID : XXXX XXXX & XXXX ) has to remove from my credit report on all 3 national credit bureaus. 

Zuntafi Corp has refused to provide me with original instrument of indebtedness in its original form with " Ink Signature '', which by Fair Debt Collection Practices Act [ 15 USC 1692 et seq ] to validate collection of debt. 

Zuntafi Corp, replied to me with a stating that they will report my account as " disputed '' to all 3 national credit bureaus, and this action could take-up to 30 days to remove debt from my credit report. 

As of today, there has been no changes on my credit report with debt still appearing as open and negatively affecting my XXXX XXXX. 

Please see uploaded document below. 

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

-- Applied via XXXX for an auto loan refinance on XX/XX/2022. Application ID XXXX. 

-- On XX/XX/2022 I received two hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without my authorization. These two companies are network lenders with XXXX XXXX 

-- Per XXXX website & FAQ section, they will NOT allow lenders within their network to check your credit via hard inquiry. They will provide their network lenders with the information obtained via XXXX XXXX hard inquiry. Network lenders will NOT pull hard inquires. 

-- XX/XX/2022 I received a piece of mail from XXXX XXXX stating my application was denied and clearly lists XXXX XXXX as the dealer. 

-- Only XXXX XXXX was authorized to do a hard pull on my credit. One company. These other two inquiries are unathorized and are a violation of my rights under FCRA 604 and violation of my rights to privacy. I now have 3 hard inquiries on my credit. 

-- Monday XX/XX/2022 I reached out to XXXX and requested copy of any documents authorizing a credit inquiry from myself specifically to *XXXX XXXX XXXX XXXX* and *XXXX XXXX* signed on my behalf so I may verify its validity and XXXX XXXX will not provide any supporting documentation. 

-- XX/XX/2022 I mailed letters out to TransUnion as well for XXXX XXXX XXXX XXXX and XXXX XXXX in attempt to remove these unlawful and unathorized inquiries.
Product: Vehicle loan or lease

I believe Credit Acceptance Corporation ( CAC ) has charged me a higher interest rate than agreed in our contract. I purchased a vehicle in XX/XX/XXXX. The contract states a 22.99 % interest rate, when I did the math manually it turns out I am being charged about 31.29 %. My vehicle was repossessed in XX/XX/XXXX and even afterward, I am being harrassed to settle for the remaining balance in my account. When I first bought the vehicle, I was sold a lemon and the warranty sold to me with CAC did not cover everything. I've lost my only form of transportation, lost my job due to having no car, being thousands of dollars in debt, and my credit score has fallen.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX ...., XXXX XXXX ...., XXXX XXXX ....