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

According to federal credit law spelled out in the Fair Credit Reporting Act XXXX FCRA XXXX, TRANSUNION is required to respond to consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. TRANSUNION has violated the FCRA and did not respond within 30 days.
Product: Debt collection

I am writing to formally dispute the inclusion of an account from XXXX XXXX on my credit report, as listed under your records. This account is not mine, and it has been improperly reported as being in collections. I request its immediate removal for the following reasons : 1. Ownership of the Debt : This account does not belong to me. I have not received any proof of ownership or validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX XXXX XXXX which mandates that debt collectors provide written validation of a debt upon request. No such proof has been sent to me. 
XXXX. Debt Already Paid and Sold : Based on my understanding, this debt was previously sold to another entity and has already been paid. Under the FCRA ( XXXX XXXX. XXXX ), duplicate reporting of the same debt is unlawful, as it creates inaccuracies on my credit report and violates my rights to fair credit reporting. 
3. No Written Notification Provided : I have not received any formal written notice regarding this alleged debt, which violates XXXX XXXX. XXXX ( a ) of the FDCPA. As such, the reporting of this account is not legally justified and must be removed immediately. 
4. Violation of My Consumer Rights : The continued reporting of this account is negatively impacting my creditworthiness and causing undue harm. Experian has a duty to investigate and correct inaccurate or unverifiable information under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 
I dont have an account with you with the dates listed on my credit report and its inaccurate and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I sent letters to the three national reporting agencies, Experian, XXXX, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. XXXX and Experian totally ignored the letters and I received zero feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to the Customer Service Rep. that this is not my Loan and can they please remove my name. I did not co-sign for this mortgage. They refuse to listen to me. My credit score was XXXX and now it is XXXX.
Product: Checking or savings account

Wells Fargo Bank closed account XXXX/XXXX/XXXX but unknown to me. I traced account to XXXX XXXX, XXXX with a balance of {$480.00} and noted activity fees as of XXXX XXXX, XXXX up to XXXX XXXX, XXXX. WFB asserted total fees of {$510.00} and managed to reversed {$300.00} of fees owing me a balance of {$210.00} A savings account surfaced during researching unknown ck account. The savings account traced to XXXX XXXX, XXXX to XXXX XXXX, XXXX with activity fees total of {$290.00}. Wells Fargo Bank failed to disclose non active status of both accounts to account holder all these years. Both accounts deemed dormant but WFB kept asserting fees to wipe out small balances remaining for years.
Product: Mortgage

Nationstar  continues to state they have made  no mistake on their servicing, while they continue to state I am one month delinquent, while in reality I am two m onths ahead since signing the modification. I have made all the payments according to the modification, but Nationstar and   XXXX    XXXX   XXXX  have not serviced the loan correctly.
Product: Debt collection

My ex girlfriend ran up credit cards I didnt know that I had, stole credit cards from me, on one occasion used my credit card to pay for storage of her belongings, after we parted the  relationship, and used it like as an automatic payment source after I paid the initial costs for the storage, as per our agreement, but then saved the card as the monthly payment source without my consent I will help in any way to prove these charges are fraudulent
Product: Money transfer, virtual currency, or money service

I was issued a medical mileage reimbursement check from XXXX dated XX/XX/XXXX. Maybe a couple of weeks later I tried to cash the check at XXXX in XXXX, MI, but the check was declined. The check had my old address on it but, my new address was on the back. I thought the check was declined for that reason so, I contactedXX/XX/XXXX to issue another check with my new address on it. I received the new check from XXXX dated XX/XX/XXXX and went to XXXX and XXXX in XXXX, MI on XX/XX/XXXX, to cash the check and both declined the check. I was told by XXXX and XXXX to call the number on the disbursement receipt to find out why the check was declined. I called Certegy Check Service Inc., XXXX XXXX XXXX, XXXX, FL XXXX at XXXX, on XX/XX/XXXX and was asked by Certegy to verify my information and the information on the disbursement receipt, only to be told that they cant give me the reason why the check was declined and to contact the issuer of the check (XX/XX/XXXX ) , and give them the number so the can tell ( XX/XX/XXXX ) the reason the check was declined. Why did I have to verify my personal information and the check information and still receive no help. Im feeling nervous for confirming my personal information and for what reason.
Product: Credit reporting or other personal consumer reports

I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) on my credit report. These violations have caused inaccuracies in my credit profile, unauthorized access to my personal information, and distress from improper debt collection practices. 

Failure to Verify Accuracy of Information : Under FCRA Section 616 ( 15 U.S. Code 1681n ), you accepted and reported inaccurate information about me without verifying its accuracy, which constitutes willful noncompliance.

Lack of Disclosure of Consumer Rights : You failed to disclose my right to opt out of sharing my personal information, violating FCRA Section 603 ( d ) ( 2 ) ( A ) ( 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ). This omission denied me the opportunity to control the use of my private data.

Deceptive Reporting and Validation : Several accounts and inquiries were reported inaccurately and without proper validation, violating FCRA Section 623 ( a ) ( 3 ) ( 15 U.S. Code 1681s-2 ( a ) ).

Harassment and Unfair Practices : Debt collectors shared my information with third-party agencies and contacted me about debts I do not owe, violating FDCPA ( 15 U.S. Code 1692c ( b ) ) and the regulations on acquiring location information.

Late Payment Misreporting : My credit report includes claims of late payments without clear definitions of what constitutes late payments, which is deceptive and a violation of FCRA Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ).

Unauthorized Hard Inquiries : Several hard inquiries were performed on my credit report without my consent, violating FCRA Section 604 ( a ) ( 2 ) ( 15 U.S. Code 1681b ( a ) ( 2 ) ), which requires written authorization for such actions.

Failure to Validate Debts : In accordance with FDCPA ( 15 U.S. Code 1692g ), I requested validation of certain debts, including proof of the original contracts. This has not been provided, and false reporting persists.

These issues have caused harm to my creditworthiness, emotional distress, and unnecessary complications. I have demanded the following resolutions : correction of inaccuracies, deletion of unauthorized hard inquiries, validation of debts, and confirmation of compliance with federal regulations. If these demands are not met promptly, I am prepared to pursue legal remedies as outlined under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies TransUnion, XXXX and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.
Product: Credit card or prepaid card

TO : XXXXXXXX XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements, full accounting, on ledger off ledger showing that these payments were late. If proof can't be provided I demand these payments be updated on the time as they should be as I was NEVER Late. Thanks, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion MULTIPLE times in regards to XXXX XXXX  and the account they are reporting. I have submitted documentation and requested validation of debt and all they tell me is its validated but to not provide any proof. This account is showing TWO incorrect things ... 
1. This account is showing it is charged off/collections therefore it should not have a balance 2. I have not validated this account so reporting it on MY report is a violation of the FCRA
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute regarding inaccuracies in my credit report related to my personal information. Specifically, I have identified incorrect variations of my addresses that do not accurately reflect my legal identity. My full legal name is XXXX XXXX XXXX, and my correct current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, my credit report reflects inaccurate addresses that should not be associated with me. In particular, I am disputing the following incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This entry are inaccurate and should be removed immediately to ensure my credit report reflects only correct and verifiable personal information. I am requesting that the CFPB ensure that the credit reporting agencies properly investigate and correct these errors as required under the FCRA, 15 U.S.C. 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card balance of {$5500.00} with XXXX, which went into collections and was pursued by a servicer named XXXX XXXX XXXX. After receiving an offer to settle the debt at 60 % of the principal balance, I made a payment of {$3300.00} on XX/XX/XXXX. Despite this, my credit report incorrectly shows that I still owe a balance of {$2200.00} to XXXX. 

XX/XX/XXXX : I received email from XXXX with debt settlement options ( " Settle your account now for a lump-sum payment of {$3300.00}. That is a savings of 40 % on your outstanding balance! " ). *** Attached file " XXXX - Debt Settlement Offer.pdf '' *** XX/XX/XXXX : I called XXXX to setup payment to settle debt at {$3300.00}. Payment was deducted over the phone, and the representative confirmed that the debt has been resolved. I requested a letter to be mailed to my address confirming the same. 

XX/XX/XXXX : I viewed my credit report on Experian and it shows that I still owe a balance of {$2200.00} to XXXX. This directly contradicts XXXX 's letter of intent to settle and their statements during my communications with them. ** Attached file : " Experian credit report - XXXX  bal.pdf '' The information reported is clearly inaccurate, and contradicts all correspondence I've received from the collections agency. Beyond any doubt, either the collections agency has lied, or the credit bureau 's reporting is inaccurate. Please help me address this issue.
Product: Credit reporting or other personal consumer reports

Equifax Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Dear Equifax Dispute Department, I am writing to formally dispute several items on my credit report that are a result of identity theft. The following accounts do not belong to me, and I demand that they be removed from my credit report immediately : XXXX XXXX Account : # # XXXX ( XXXX ) XXXX  Account : # XXXX ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  Account : # XXXX As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, to request the removal of these fraudulent items from my credit report. Enclosed, please find the necessary documentation to support my claim, including : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 

Copies of my personal identification, including my driver 's license and a utility bill, to verify my identity. 

I demand that Equifax take the appropriate actions to remove these fraudulent accounts from my credit report.
Product: Checking or savings account

Wells Fargo Bank is once again comingling the order of checks, ACHS, Debit card purchases, in order to charge exorbitant fees. Every week for the last month wells Fargo has charged me 3 over draft fees. At the rate of XXXX each, wells Fargo has made XXXX a week off of my account and done this 4 times in the last month. 

I have personally seen funds on hold for payment and within a day those funds are not showing in the account and the next day everything goes through the account and I am charged all of these fees.

Enough is enough! When will you do something about their criminal activities??
Product: Money transfer, virtual currency, or money service

Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Also, taking money off of my main bank account thats attached to my Cashapp and sending it to the sender automatically. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

In XXXX of XXXX I was contacted by a fake debt collector by the name of " XXXX XXXX '' within National Credit Systems. 

As a result, a fraudulent debt of {$6500.00} was put on my credit file related to " renting an apartment '' with no link to my home address history. 

I have disputed this fake collection to XXXX XXXX XXXX multiples times now on the CFPB. 

The credit reporting agencies are refusing to investigate & remove the fraudulent collection saying to " please contact the creditor '', being national credit systems. 

I have attempted to file a police report of this situation related to identity theft however it was not approved as this information is taking place online and not within my department " local jurisdiction ''. 

I have emailed national credit systems to remove the fraudulent debt with no response since XX/XX/XXXX. 

Today us XX/XX/XXXX and I do not feel Safe contacting national credit systems and need the CFPB government agency to order them to delete the collection from all platforms.
Product: Mortgage

I have a second with Bank of America. I was paying as the computer said I owed. My loan would often disappear from the web site and then reappear several days later. I went to the bank to find out what was happening and after several phone calls I was informed that my loan was closed out. I never received one email or phone cal from the bank. The person I spoke to said it was not the banks responcibility to call me. They said they called every day and yet never left a message as to why. I was forced to pay more than the monthly loan amount by several hundred dollars. I need some assistance
Product: Debt collection

I have disputed and asked for validation of XXXX accounts from falls collection service. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and FALLS COLLECTION SVC XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL
Product: Credit reporting or other personal consumer reports

I have two credit card accounts with Bank of America.

I had paid off one early and requested the bank to transfer the payments from the paid-off account to the account with an active balance.

Bank of America failed to do this ; instead, they misapplied the payment of the balance-maintaining account, failed to correct it, and misreported that I had missed a payment or two when in fact I have made regular and timely payments via ACH from an external bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  deleted 4 fraudulent capital one  inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. 

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

Capital One told the CFPB that some are fraudulent. 

XXXX has been stating that these inquiries were verified for months. 

I asked capital one and XXXX for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Product: Debt collection

XXXX Collections has been trying to collect a debt originally from XXXX XXXX that they outsourced to XXXX. I was never involved in the accident and these people keep telling me that they will get me fired and have my license suspended and they know people in the DMV. They call me 3 to 5 times a week Monday through Friday. They yell at me and cuss me out. I am scared they will call my employer and then they even said they will get me thrown in jail if I don't pay.
Product: Mortgage

My Mortgage Company, Option One, transferred to American Home Mortgage, Transferred to Ocwen Servicing, transferred to PHH and now informed transferred to XXXX. There has been many discrepancies in the amount I owe and on my statements and when I requested a break down my mortgage always transfer to another servicer ... This has been an on going problem since I secured a mortgage loan with Option One in XXXX to purchase my home at XXXX XXXX XXXX, XXXX, NJ XXXX. I have been experiencing hardship after my Father passing and having to quarantine. My mother is very ill and had explain this to Ocwen when I fell behind in my payments and OCWEN offered me a loan modification. In the process of making corrections to my loan modification, my loan was transferred to PHH.

I was informed by PHH there was no record and they needed to research which continue to delay correction to my balance. As a result of this delay I had to I could not sell my house in XX/XX/XXXX. I have been commuting to care for my mother a foreclosure was started. Unfortunately due to COVID-19 I have had to quarantine.

I have been trying to resolve this myself and can not afford an attorney. 
On XX/XX/XXXX, I arrived back home from WV and PHH had sent someone to change the locks on my doors and had winterized my house! I had to call a lock smith to change my locks and Dewinterize my home. This cost me over {$900.00} to change my locks and De-Wnterized my house. During these hard times and pandemic PHH should not have enter my home. I am terrorize and fear someone can enter my home because I am commuting to care for my Mother and may be away from my home for serveral days.

I had already informed the mortgage company since the death of my father and my mother illness in XXXX the reason I wanted to sell my house. I was told not to worry. Instead I was served with foreclosure papers from XXXX C/O PHH Mortgage Services. It has been a nightmare