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

I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct inaccurate and misleading information regarding the XXXX account ( Account # XXXX ) on my credit reports. Despite multiple disputes, the credit bureaus continue to report false and unlawful information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues : Unlawful Re-Aging of Charge-Off Status The SAFCO account was charged off in XX/XX/XXXX, yet the credit bureaus continue to report a " CO '' ( charge-off ) status every month from XX/XX/XXXX through XX/XX/XXXX. 
This improperly extends the negative impact on my credit report, which is a violation of 15 U.S.C. 1681c ( a ) and 15 U.S.C. 1681s-2 ( b ).

Once an account is charged off, it can not be re-reported as a new charge-off each month. This is deceptive and misrepresents the true status of the account. 
Inaccurate Balance Reporting XXXX reports a charge-off balance of {$8900.00}, despite stating that {$5900.00} was written off. 
A charge-off means the creditor has written off the debt, yet the credit bureaus continue to report the account as " past due '', which is misleading and inaccurate. 
Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( XXXX ), credit bureaus are required to conduct a reasonable investigation when a consumer disputes an item. 
Despite my formal disputes, the bureaus have failed to correct these clear errors, and instead, they have continued to verify the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and an unauthorized inquiry appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or the listed inquiry. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiry to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts that appear on my credit report : XXXX  / XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, my rights as a consumer have been violated in relation to these accounts for the following reasons : Violation of Privacy : Section 602 ( a ) of the FCRA clearly states that I have the right to privacy. The presence of these accounts on my credit report infringes upon this right, as I have not given consent for their inclusion.

Unauthorized Disclosure : Section 604 ( a ) ( 2 ) of the FCRA states that a consumer reporting agency may only furnish information with my explicit written consent. I have not provided written instructions or authorization for these accounts to be reported. 

I request that the CFPB investigate these accounts and take appropriate action to ensure compliance with the FCRA. Specifically, I request : The immediate removal of the disputed accounts from my credit report. 
Documentation or evidence showing that proper authorization was obtained for these accounts to be reported. 
Attached, you will find copies of my identification and supporting documentation for your reference. I request a prompt response regarding this dispute, and I am prepared to pursue further action if necessary. 

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

On XX/XX/XXXX I visited XXXX to obtain my Experian credit report. Experian is not currently listed as an option on ( XXXX is listed twice ) which seems to be a violation of the FACT Act. I submitted requests on both the Experian and XXXX  sites but have not received any response. Will you please require the site to list all three?
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have an account reporting on my credit report with Experian and XXXX. Now it is gone. It was an older account in good standing. When it was removed the credit scores dropped because it was an older account that helped establish my credit in 1995. 

Please put the account back onto my report please. 

Please see attached company information, as it is still being reported on my Equifax Report. 

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

There is a collection account that appeared on my Equifax that stated the original creditor was XXXX and is now under collection with XXXX as of XXXX2021 in the amount of {$230.00}. There was never a collection account or negative reporting from XXXX. I have tried to join and pay Equifax to dispute this online as my current employment wont allow phone calls within Equifax customer service hours M-F, XXXX. I have signed up to file a dispute and had to get my pin mailed to me from Equifax. I have gone thru their online verification process and added my credit card to pay for monitored services and entered the verification code that that sent thru the postal service and am STILL NOT able to access my report and be able to enter a dispute. It has been over XXXX weeks and I would like to have access to my online report and dispute this erroneous collection. I have very limited time and thought my best approach would be to contact the Comsumer Finance for help on the removal of this collection and to let Equifax know that this type of issue is very concerning. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 consumer rights to privacy and confidentiality under 15 USC 1681. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # XXXX, XXXX XXXX, 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 an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

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

Today I attempted to make mortgage payment from my checking accounts just to learn that all personal accounts and accounts I manage for couple of LLCs at Wells Fargo Bank are blocked for financial transaction. After several attempts to find out what happen I have learned that on Sunday XXXX XXXX bank has blocked all my accounts. Finally after XXXX hours lost I was able to get information that bank is investigating some transactions. Every dollar that enters and leaves my account is accounted for and trackable to source of origin. I am not conducting any illegal practices and bank does not have grounds of any source to hold my funds especially since they are declining to communicate with me. This need to be resolved ASAP as I need to feed my family and pay my bills.
Product: Debt collection

N accordance with the Fair Credit reporting Act XXXX XXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Mortgage

My mom 's mortgage is now servicing by Select Portfolio Servicing Inc  SPS. 
After three months with them she realize that they were applying her monthly payment to interest only rather than to principle, escrow and interest. When she call to inquire of the situation the told her they didn't see what her problem was. She had to call on several occasion, speak to multiple people before it was resolve. After speaking with few friends about her experience it turns out two of them had face the same situation where one had to have it resolve in court.
Product: Credit card or prepaid card

Company keeps sending me emails about my account such as XXXX XXXX which I paid off in full and mails and offers for my sister business she is not interested in American Express to my address and I want them to remove my email address for my credit guide I want to unsubscribe from it I no longer needed and I would like to place on cease status of all my old accounts with American Express and all the mailing to stop and my email XXXX and my phone numbers to be removed from there list thank you I will not pay for anything Im refusing
Product: Credit card

My credit score is over XXXX with best buy my interest rate is over 30 % thats sad
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses on 3 credit bureaus Please remove all addresses from XXXX off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.
Product: Debt collection

Dear Sir/Madam, FAIR COLLECTIONS & OUTSOURCING ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Hey my name is XXXX XXXX i m XXXX. i have home depot credit card for several years. i have been notice there are some charges on card that i tried report dispute charge and they dont help or refund money back because they think its my responsible. said i have to owe XXXX which is not true. i m trying to fix this problem with them but they refused help me and they said i have to do something else to fix this. i m not sure how to fix this problem.. i want them remove all amount on credit card so put in good standing. I tried so hard to fix this problem.. also they keep hang on me on the phone because i used relay since i m XXXX.
Product: Bank account or service

Bank of America, which is my own bank, took my whole XXXX check from my account to go towards a charged off auto loan. This is only my second XXXX check received. They gave me know warning beforehand. I got XXXX certified letter today that states they took the funds and will take more. I ca n't pay my rent, utilities, meds etc. they took the whole amount. I have read that this is not legal. Please help! 
XXXX, Oregon
Product: Mortgage

My loan was originally serviced by XXXX XXXX. Midland Mortgage purchased the loan more than a year ago from XXXX XXXX. 

When the loan was sold, I was in a repayment program with XXXX and never informed of any change until I called in to make a payment. Once I received noticed the loan had been sold I had to go through the series of steps needed to begin an agreement with Midland. This was a nightmare just as dealing with XXXX was. Despite the difficulties, I provided all information needed and was approved for a new repayment program. It should be noted that over the course of both repayment plans I have lost thousands in fees. 

I completed the program successfully and months later received notice that my payment would be increasing from $ XXXX/mo. to $ XXXX+/mo. due to XXXX not adjusting the escrow. At the present time, the monthly payment requested is around $ XXXX+/mo. I ca n't afford that nor am I responsible for having to pay an increase to the owed amount. 

The escrow had to be adjusted since it was no longer a primary residence. I was n't aware of this until much research and agony discussing with Midland. Despite XXXX being the main culprit, I had to submit an application to Midland for my repayment program that one of the questions asked if the residence was tenant occupied and not my primary residence to which I clearly answered " Tenant Occupied ''. Midland provided me with an agreement ( a legally binding contract ) that I agreed to after reviewing my application. I completed it. Now Midland wants nearly {$10000.00} of additional escrow money. 

This is money that was owed ( unknown to me ) before Midland purchased the loan. Midland did n't do their due diligence and now want me to pay for their ( and XXXX 's ) negligence. 

I do n't see how I should be on the hook for something that I had no idea i was responsible for. I am not a mortgage company. I am a consumer. I pay what is requested. I only became late after losing my job and worked extremely hard and very responsibly for several years to keep this house while I could have foreclosed and added to the housing markets troubled volatility. 

I never made a payment late to Midland since they purchased the loan until now. I refuse to pay them as this seems fraudulent, corrupt and completely disrespectful and unethical in regard to the repayment program Midland agreed to. 

I am seeking my monthly payment be returned to its prior amount and once I make my next payment, having the missed months put back into the loan along with no negative remarks on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. I dispute the validity of this account and request it be removed from my report Enclosed is a copy of drivers license, I continue to dispute the validity of this account. I request that the accounts be deleted from my credit report. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,
Product: Student loan

Thank you for FINALLY answering " yes '' and confirming that you did in fact contact people, including my family and friends while I and ECMC were in communication with each other about my loan account. These straightforward answers were not in the initial complaint responses. 

In speaking with a specialist at CFPB yesterday who assisted with this case, can you tell me what the purpose was for ECMC to contact other people while they were directly speaking to me. Federal law does not force you to call other people if I am in direct contact with you. Federal law allows you to contact other people if you can not get into contact with me ; which as we have proven you were in direct contact with me all along. You stated that " ECMC did pursue leads including attempting phone contact using phone numbers learned during skip-tracing and believed to be associated with you... [ but that ] ECMC did not discuss your defaulted student loan debt with any person other than you. '' If you were directly in contact with me when you called these other people, and your call was not to discuss my loan with anyone else as you stated, then why did you make these calls in the first place? Please give a specific answer and not the " required by federal law '' answer as that idea has proven false.
Product: Checking or savings account

On XX/XX/year> I sent {$350.00} to my child 's piano class. I had previously sent funds to my child 's class via XXXX so I went through my list of recipients via Wells Fargo 's app, where it has listed " XXXX XXXX '' with XXXX XXXX XXXX XXXXXXXX. I looked at my child 's piano number and it has the same last 4 digits and also thinking that I sent her/his payments previously via XXXX so I should be ok. The next day, piano teacher said they never received the amount. I told them it has the same last 4 digits number. I called Wells Fargo on XX/XX/year>, they will not tell me what number it has been sent to. They have asked me to file a claim. I told them about my claim that they have hidden the number from my view. I contacted them after receiving a mail to day dated XX/XX/year> that it has been rejected. They investigated for 2 business day while providing me notice just now - XX/XX/year>. I called them three times about it and they said multiple times it was an error on my end since I sent it to the wrong person. I have asked them to reopen the case as to why would they hide the telephone number on my view, thus making it difficult for me to verify. 

To add, I did sent previous XXXX  transactions to XXXX XXXX it was through Chase XXXX where phone numbers were not hidden! 

Wells Fargo would not admit any errors on their end.
Product: Debt collection

I purchased an insurance policy from XXXX XXXX which was started on XX/XX/2021 According to my policy norms, I can cancel my Policy at any point in time with no extra charge. I paid for the month and After completion of one month, I requested a cancellation of my policy on phone with XXXX XXXX customer care. I asked them are there were any charges for cancellation. They said No extra charges. I saw that they put some amount of charge on my account and in the next line they put cancellation refund took some amount of the charge and showed I owe some amount. When I called back and ask them what does I owe for?. They said they going to remove that I do not have to worry about it at that point in time. later I moved to another state. I do not know that credit collections send me some notice that I owe some amount I have to pay. When I call back the insurance provider about this they simply said they do not have any records about my account.
Product: Checking or savings account

X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.
Product: Mortgage

XXXX : Wells Fargo Mortgage Loan # XXXX - Client : XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Loan Closing Date : XX/XX/2018 ; Loan Disbursement Date : XX/XX/18 Escrow # XXXX XXXX XXXX XXXX The purpose of this email is to request a refund of any and all fees, including interest, that we paid in connection with a mortgage loan that we found ourselves with that we did not want or ask for. 

We met with XXXX XXXX, XXXX # XXXX ( XXXX ) at Wells Fargo Bank to request a line of credit to cover landscaping and other miscellaneous charges for our newly purchased home, for which we had paid cash. XXXX XXXX kept talking about a mortgage loan and we kept insisting we only wanted a line of credit ; that we did not need the money and did not want a mortgage loan. We had recently paid cash for our new home. Somehow, we ended up signing documents for a mortgage loan in the amount of {$170000.00} and a home equity line of credit. 

We are not happy to admit that we did not fully understand these transactions until we started receiving bills for a mortgage payment. Not understanding why we were being billed, we had a neighbor look at our paperwork and she was able to review and explain the paperwork and discover that the money for the mortgage loan had been deposited to our savings account. Until that time, we did not aware that the {$170000.00} ( after fees ) had been put into our savings account. 

Upon learning we had a mortgage loan, we went into Wells Fargo and had a chance to speak to a XXXX XXXX and asked why they would have given us a mortgage loan and she agreed it didnt make sense to borrow money to put into a savings account. Why would we pay 4.5 % interest on a loan to deposit the funds into a savings account earning .06 %? At that time, our only option to get out of this mess was to pay the loan off. 

On XX/XX/2018, we went into a Wells Fargo branch and paid the loan off. At this point we still have the Home Equity Line of Credit and thats fine with us, as thats all we ever wanted to begin with. 

We feel like we were taken advantage of and sold a product that we clearly did not want, did not understand and that made no sense for us to have. Clearly, the loan XXXX who made both of these loans to us was not acting in our best interests. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Complaint submitted to CFPB on someone elses computer. Please reply to the email address of XXXX when responding.