23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter as well as did consumer protection bureau that stated the following. Wells Fargo Bank has requested that any appearance of foreclosure has been advised to all credit bureaus as to not appear on their reporting. They say any negative results are the fault of the credit reporting companies. How they are overruling the Wells Fargo Bank is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my car to GM Financial and I cant find the GM Account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent 2 dispute letters each to XXXX, XXXX, & TransUnion. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit file ive noticed alot of invalid data I am intrested in disputing all incorrect information on my credit report with Equifax.
Product: Debt collection

I C Systems sent debt to collections entered it on my credit report never contacted me on my credit report it doesn't provide any identifying info such as an account number or anything
Product: Vehicle loan or lease

In the attempt to live my life and expand my businesses I am attempting to apply for mortgages, car loans, business credit cards and personal credit cards but I keep getting met with the same question when denied ; Have you been married before?, in association with a car loan on my credit. I reached out to the company reporting the debt XX/XX/XXXX to ask for it to be removed, as well as a copy of the original contracts and verifications along with the permission to report the debt on my behalf. 

The company responded XX/XX/XXXX with copies of the electronic contract and a declaration page that did not include a wet signature. The response also included a statement that they would continue to collect the debt even after being asked not to. I have not entered into a joint agreement with anyone as I am a single person and have always been.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: 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. 

XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Account Number # XXXX, XXXX XXXXXXXX : Account Number XXXX XXXXXXXX, XXXX XXXX XXXX  : Account Number # XXXX, XXXX XXXX : Account Number XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Account number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXXXXXX : Account Number XXXX XXXXXXXX, XXXX : Account Number XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : Account Number XXXX XXXXXXXXXXXX XXXX : Account Number # XXXX, XXXXXXXX XXXX XXXX  : Account Number XXXX XXXXXXXX, XXXX : Account Number XXXX XXXXXXXX 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 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 seven 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: Credit card or prepaid card

comenity bank/XXXX reward XXXX credit card holder has been notify by bank they will discontinue the program, the problem is they don't want to redem your eran point, * their website does not give you option to redeem your point * they do not answer the phone call * if they answer after XXXX hr. waiting time, they give you all kind of excuse and at the end " sorry we can not help you at this time '', call back * its been more then 1 month i'm calling them to get my over XXXX point redeem,
Product: Mortgage

Our manufactured home was burned to the ground on XX/XX/2018. We have a reverse mortgage # XXXX. XXXX XXXX settled our file and we sent the signed check for {$78000.00} to Reverse Mortgage Funding along with the all of the required documents. We sent our plans and blueprints of the new home, the adjuster 's report, the contract for the new manufactured home, and the contractor who would set the new home on the foundation.

We have received no response. We have called and been put on hold for hours, just to be disconnected or told that they don't have our paperwork. We are being held hostage and can't even apply for a new loan until this is resolved. We can't afford to stay in a hotel indefinitely. Please help us. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re : Case Number - XXXX On XXXX I reached out to XXXX XXXX XXXX Legal Supervisor @ XXXX and XXXX XXXX inquire about the balance due for a Judgement that is against me from 2018. I did go to court for this matter but was not allowed by the XXXX to discuss the issue. The person that said I owe did not show XXXX times. To this day I do not know who I am paying and why this judgement is against me. According to XXXX XXXX, 10 % interest is accured on this judgement regularly as it now stands. The XXXX XXXX XXXX XXXX XXXX has ordered me to pay XXXX a month to make payable to XXXX XXXX XXXX. I have been paying this amount monthly. 
I send the money order to : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
Before I went to court I had an account with XXXX XXXX, XXXX XXXX. Approximately XXXX was in the account. A freeze was placed on my account and given to XXXX XXXX, which inturn released to this Judgement. I have all documentation and receipts regarding this issue. I have never seen this debt on my credit report. I just want to be treated fairly. XXXX XXXX refuse to let me know who the judgement is owed to. When I contacted XXXX XXXX I was told that they did not have the money at that time, I contacted the XXXX XXXX and was told they did not have the money, but I ended up in court and my fund was given for the Judgement, not completely sure what this is all about, but sure would like a clear understanding. I will continue to pay monthly. It is going on ( 4 ) years now and I have been very patient with the situation. Whats the secret, the average individual that works and have obligations desires to know how their funds are being allocated for bills and necessities of life. I do not think that I am asking to know something out of the ordinary. If I had clear details about this Judgement I wouldn't be filing a complaint, the issue is I don't and to talk to XXXX XXXX is not working, all he tells me is that I owe some money, and that I am in a Judgement and I can not go back court on it or get any assistance. I will highly appreciate your assistance in the matter
Product: Debt collection

I am and have been trying to get a copy of the contract that National Credit Systems says I have, I am requesting they mail me a copy of the contract I signed with them to determine the validity of this debt on my credit report. I have not received any documentation that bears my signature to date.
Product: Student loan

On Wednesday, XX/XX/XXXX I contacted EdFinancial after receiving news of Biden 's Loan Foregivness. The Federal Student Aid website states that we are allowed to request a refund of any payments made throughout the student loan payment pause period that started in XXXX of XXXX. 

I requested a refund of my student loan payments since XXXX of XXXX  from EdFinancial and was initially informed my negative student loan balance would be reinstated within XXXX hours, and that the refund of my payments would take over 150 days. I called back a week later as my negative balane was not re-instated, and was informed that my negative balance would not be reinstated until my refund is issued, which would take over 150 days. 

I have made payments of {$10000.00} during this period and would be eligible for loan foregiveness if EdFinancial reinstates my negative balance and refunds me the payments I have made.

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Seeing other loan providers re-instating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

I am a single parent and this would be life changing money. I am begging and pleading for your assistance. I understand the refund of my payments may take some time and I am content with that, but at the very least they should be able to re-instate my negative balance in time for me to be eligible for the student loan forgiveness.
Product: Credit card

I am writing to file a complaint regarding the abrupt closure of all my Chase credit card accounts without any prior notification. Chase has cited fraudulent reasons for this action, which I vehemently deny. 

I have been a loyal Chase customer for over eight years and have consistently paid my credit card bills on time. The decision to close my accounts due to alleged fraudulent activity is baseless and has caused me significant inconvenience. 

Furthermore, the sudden closure has rendered my accumulated reward points, worth hundreds of dollars, inaccessible. I have also paid XXXX XXXX XXXX in membership fees for this year, which is yet to end. 

I urge Chase to thoroughly review my account and promptly reinstate my credit cards. 

Thank you for your attention to this matter.
Product: Debt collection

I received a letter from Stonleigh Recovery and Associates, located in XXXX. The debt is from XX/XX/XXXX, and the company stated that they are trying to collect a debt for XXXX XXXX , XXXX, located in XXXX. The statue of limitations for debt collections is 6 years, and it is now XX/XX/XXXX. Also, debt collections must be in the same county the debt occurred. In my case, it 's XXXX XXXX, XXXX. When I talked to a man at the company, XXXX XXXX, I tried to explain this to him. The letter I received threatened to garnish my wages if I did n't respond back in 30 days. However, when I called, XXXX told me that they do n't have anything to do with a judgement because they are not an attorney 's office. When I explained he can not collect anything without a judgement, he started raising his voice and stated that a judgement has nothing to do with debt collections. He stated that I ran up a bill, and I did n't pay it, so they will start garnishing my wages if I do not agree to pay. When I stated that this was not legal, he responded by saying " well, this conversation is going nowhere, so I 'm hanging up now, '' and hung up in my face! To make matters worse, this debt is not even mine. I 've informed all the credit reporting bureaus, and have asked Stoneleigh Recovery for a fraud packet XXXX, and still have not received anything in the mail, except for another notice about garnishing my wages. There was no judgement ; just a typed letter. Whenever I try to call, the associates always transfer me to XXXX XXXX, who is engaging in rude and illegal behavior. I feel like they 're trying to intimidate me ; it is unlawful for a consumer to ask for a fraud packet, and not hear anything back! I feel like the company is biding their time trying to pass a judgement, and they wo n't even verify the debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking and deletion of XXXX accounts that have been fraudulently opened in my name and are currently listed on my Experian credit report. I have recently reviewed my credit report and discovered the following unauthorized accounts, which I believe to be a result of identity theft : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/2024 - Reported Balance : {$470.00} - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/2024 - Reported Balance : {$440.00} I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is about correcting the fraudulent information showing on this report because of identity theft. You've failed to provide evidence of any authorization by XXXX XXXX, or any permissible purpose by him to have these inquiries, accounts, or fraudulent personal information publicly posted to this account. These inquiries were a result of identity theft and were not authorized by XXXX XXXX. You're now required to remove these inaccurate inquiries, innacurate accounts, and inaccurate personal information on this report immediately or you are your executives will be sued by not only me, but by CFPB. 

Transunion calls itself a Credit Bureau but the ONLY Bureau is CFPB. It is illegal to impersonate a legitimate government entity for financial gain! I will sue all of these clowns. If someone at CFBP wants to sue at the same time please contact me. 

The inquiries to be removed are : XXXX. XXXX XXXX : Location : XXXX XXXX XXXX, XXXX, VA XXXX, Requested On XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Location : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, Requested On XX/XX/XXXX XXXX. XXXX XXXX XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Requested On XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX XXXX ; Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX : Location : XXXX XXXX XXXX, XXXX, VA XXXX ; Requested On XX/XX/XXXX XXXX. XXXX  XXXX XXXX  ; Location : XXXX XXXX  XXXX XXXX, XXXX, IL XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX ; Location : XXXX XXXX  XXXX, XXXX, VA XXXX ; Requested On XX/XX/XXXX XXXX. XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX ; Requested On : XX/XX/XXXX These inquiries aren't mine and Transunion thinks just because they have a monopoly over our personal information that they can control us. I will COME FOR YOU IN COURT AND LEAVE YOU ALL BANKRUPT. I OWN THE XXXX XXXX Transunion is the Trustee of an implied trust which was created by the reception of my personal information which is known as " trust property ''. XXXX XXXX is the beneficiary and you must listen to my wishes and I wish for you to delete these inquires immediately or you will have no houses to live in, all frozen bank accounts, seized assets, no cars, and lose the ability to accomplish all of your greatest wishes and deepest desires while you and your XXXX board rot in XXXX  for 20 years each under the XXXX XXXX for creating unfair monopolies.
Product: Checking or savings account

My debit card was stolen and was used to make purchases. I reported the card was stolen to the police department and to Wells Fargo bank on XX/XX/2023. The bank closed that debit card, and mailed me a new debit card. However, the bank allowed a company to charge my card TWICE on XXXX XXXX, and again on XX/XX/2023, for $ XXXX each. 

I am not sure how Wells Fargo Bank function in this climate, this was not an ACH transaction/ Checking account transaction, this is a debit card that was already closed. I had to go to the bank to make deposits to cover this transaction. 

This is a subscription charge and the provider have a different debit card from a different bank.
Product: Payday loan, title loan, or personal loan

I took out a Payday installment loan with Check N Go. I have paid them in full but they have harrassed me for more than the original loan called for the last 2 months. 
They have now sold the loan to a debt collector who is now trying to collect on a debt that has been paid in full. 

Please help, XXXX XXXX XXXX XXXXXXXXXXXX