23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is in regards to Wells Fargo. I had made many attempts to try to resolve the issues and catching up with my payments with Wells Fargo. However, things are not working out and I am being given a hard time. As I'm trying to make the payments to them I had ran across some difficulties. While I tried and good faith to give as much as I can to Wells Fargo is still was not enough for them. I was promised by Wells Fargo that they will work with me. However, I started to learn that Wells Fargo was doing things behind my back without my knowledge. 



I am facing foreclosure when I thought I was working things out with them. I had some setbacks. One with my young daughter ending up in the hospital in summer and fall, and having to run many tests for months. Back in XX/XX/XXXX I was hospitalized and needed a XXXX XXXX. I was not able to work for a while and slash or do things that I needed to do the job. Causing me to fall further behind on the mortgage payments. I am still in XXXX XXXX after the XXXX. Which I am currently under the doctors care until I completely heal. 



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

i have asked for the company to update the credit reporting, the account should be removed, its past 7 years.
Product: Checking or savings account

The company Credit Karma which is I believed owned and operated under the company XXXX. They have my federal refund of {$1000.00} which was deposited on XX/XX/XXXX. 

Originally I filed my federal tax return XXXX via XXXX on XX/XX/XXXX and applied for a Refund Advance and was approved for {$1000.00}. Back on XX/XX/XXXX I was able to use and access my funds as my " Credit Karma Spend Account '' was open and active. I transferred all the funds to my cash app and withdrew all the funds. 

Sometime between XX/XX/XXXX and last week around XX/XX/XXXX I checked the IRS.gov website which showed that my federal refund was to be sent to my bank account by XX/XX/XXXX. So I logged into my Credit Karma Spend Account, only to discover my Spend Account was closed for no reason and I had no emails or communication regarding the closure. So I called and emailed Credit Karma and they said I could open a new account but it would never work and so I left it as closed. 

I then called the XXXX XXXX XXXX XXXX XXXX, XXXX which is the company that disperses my federal refund and initiates the transfer of funds from the IRS to whatever bank you designate and they collect the refund advance loan payment. They said that Credit Karma will reject my refund and then they XXXX XXXX XXXX XXXX would then issue my a check and priority mail it within 2-3 business days. 

I called XXXX XXXX XXXX XXXX today XX/XX/XXXX and they said they have not received any rejected funds for my refund and that Credit Karma must have my money. I login to my Credit Karma account and click on the Spend Account tab and sure enough it says available balance {$1000.00}.

This is fraud and it's my money Credit Karma has no right to withhold my money. I want all of my money within 2-3 business days or I want a penalty charged against them for XXXX the amount of {$1000.00}. I have rent and bills that are past due, I was relying on getting MY MONEY not XXXX 's Money ....
Product: Debt collection

Good morning!

I was called from a debt collector about this account. I was making payments until I think I missed 1 or 2 a few years ago and it was removed
from my USAA banking account. I would like to still make payments on this loan or is there anyway to remove this hard inquiry from my credit report?

Thank you! 

Info on account : Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Account Amount : {$3400.00} [ CLOSED ] Last Payment : XX/XX/XXXX, XXXX. 

" Remarks '' Charged off as bad debt. Profit and loss write-off. '' Additional details Business type Bank - XXXX XXXX  Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX Balance {$10.00} XXXX XXXX Balance {$1200.00}
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Product: Credit reporting or other personal consumer reports

I was requesting information about a rental property and the person replied by text and asked me to go to the Transunion credit bureau and get my credit score, and also pay to have credit reporting done and stated that they would repay it was just to make sure that I had the credit for rentals. After I had done that, they sent me another link to do the same thing again. I was on XXXX trying to find an apartment and I have already purchased their credit reporting through Trans Union. They keep telling me to go and enroll and other credit reporting Im assuming to get my card information now
Product: Debt collection

I previously had a second mortgage loan with XXXX. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through XXXX. XXXX maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and XXXX has refused to talk to me about the loan and refers me to Ocwen Loan Servicing LLC. Ocwen has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and Ocwen will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my XXXX credit report and noticed PennyMac marked my account 30 days delinquent for XX/XX/2021. 

Notably, during this time- my account was in a COVID-19 forbearance status. My loan has since been modified and I have restarted payments. 

Please see attached.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an issue with the reporting of my XXXX XXXX XXXX account in my credit report. The debt for this account was charged off and subsequently sold to XXXX XXXX XXXX. I paid the debt in full, and XXXX XXXX XXXX confirmed in writing that they would not furnish this information to the credit bureaus. 

Despite this, XXXX is still furnishing inaccurate information on my credit report, listing the account as a " paid charge off. '' I have disputed this information multiple times with both XXXX and the credit bureaus, but the issue has not been resolved. 

XXXX violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers to investigate disputed information and report the results to the credit reporting agencies. 

Also, XXXX sold the debt to a debt collector who was not even licensed to collect that debt in the state of Nebraska. Which is another FCRA and FDCPA violation. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the inaccurate XXXX account is removed from my credit report permanently. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : XXXX Equifax XXXX XXXX in disputes : XXXX XXXX Account-No Signed Contract with Company.

XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX state they sold account and can no longer collect nor place on my credit file. 
XXXX-They State they sold account and can no longer collect nor place on credit file. 
FINANCIAL ACCOUNT SERVICES TEAM-Collection Account-No Signed Contract with Company. 
CREDIT COLLECTION SERVICES-Collection Account-No Signed Contract with Company.

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been 0 validations provided to prove accounts are valid.

There are Several Inquiries on my credit file that I have 0 affiliation with and have requested removal from all reports and nothing has been removed.

This is harming my credit and has been detrimental to my credit file.
Product: Money transfer, virtual currency, or money service

I believe MoneyGram is starting to profile my transactions or profile me personally. 

I have been sending money to the country of XXXX to my sister. I have been sending money for years using their service. I send her money last week, but suddenly they cancel the order. I resend it the same way I have been sending it for years, and they cancel it again. I called in to see what is the problem and they refused to tell me what she has done wrong completely. They kept reading the same script : the transaction is deemed unusual. I called MoneyGram again and request an assistance from a manager. He said your sister was banned permanently. I asked why? and he keep reading the same script. I asked how can fix the issue she is my sister and I have been sending money for years using your service. He said your sister is banned permanently. you may send to another person. I got her son info and added him as a receiver. I sent him money through MoneyGram and they take the money and cancel the order again with the same lame script. unusual transaction. I honestly believe this is a discrimination case or fraud financial transaction. MoneyGram is holding consumers money in every canceled transaction and they are profiting from it. 

Another explanation would be fraudulent business practice. If XXXX customers canceled per day and each one of them money is held for 10 days with an average of {$500.00} per transaction, that is a total of {$2.00} XXXX dollars held and MoneyGram is profiting from the interest they are collecting by all of these canceled transactions with very lame excuses.There is no transparency here, and MoneyGram is refusing to fix the problem. The government needs to look into this fraudulent business practices.
Product: Debt collection

On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the alleged debt that is said I owe from a XXXX visit. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Consumer Collection Management failed to comply.
Product: Credit card or prepaid card

I have sought to have my physical mailing address removed from Wells Fargo Credit Card services. I am not a customer, nor do I every intend to be, and after receiving new credit card solicitations addressed to former owners of my current home, I went online to see if Wells Fargo has an opt-out option to stop the unsolicited mailings. While their Privacy Center web page allows current customers with an online username and password to make certain requests related to their data, they do not provide any other options to contact the Privacy Center other than their general XXXX number. 

On XX/XX/XXXX I called the general customer service line ( XXXX ) to seek removal of my address from their promotional materials. My first call led me to a customer service representative from what I believe was outside the country who was reading from a script and had a very thick accent. She offered to transfer me to another department, but upon placing me on hold the line was disconnected. 

I called back immediately and was placed in contact with a customer service representative stateside. She tried connecting me to the Privacy Department, but I was on hold for at least 20 minutes before she could get anyone on the line. She checked on me a couple times asking if I would like to continue holding until she could make contact with someone. When she was finally able to make the connection, I was transferred to the Privacy Department. There I explained the nature of my request and was placed on hold again. This time I was transferred to yet another person and was given the number to call back in case I was disconnected ( XXXX ). 

This time I spoke with a second privacy center representative who tried to assist, but ultimately told me the only way to respond to the situation was to write undeliverable and send it back to the United States Post Office. After telling her I have returned similar mailings using the presorted standard mail category ( i.e. junk mail ), but my local post office always returns it to me and tells me to recycle them. I asked her if it was Wells Fargos policy to respond to requests to remove addresses off their solicitation mailings by placing it back on the federal agency, she responded that is all the information she had for me. This call lasted 36 minutes. 

I checked Wells Fargo online policy regarding the Privacy Center ( dated XXXX, XXXX XXXX XXXX ) which directs those who want to limit the sharing and direct marketing by mail, specifically for those without a Wells Fargo account , to call the XXXX number. So I called that number only to be placed back into the automated call queue that I initially encountered-basically directed back to their general XXXX line, thus back to square one. 

My concern is the hoops you have to jump just to get off Wells Fargos unsolicited mailing list. Given Wells Fargos numerous class action lawsuits, including the XXXX XXXX unauthorized credit card and bank accounts opened without consent, I had legitimate concerns about my address being tied to this company. It is only a matter of time before they start tying my name as the home owner of the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / Equifax filing this complaint due to the fact that you are in violation of the FCRA XXXX   XXXX is reporting charge off on your reporting with a balance {$5500.00} ON Charge off accounts there should be no past due payments please delete immediately and send a updated credit report XXXX did delete this account for violation of the FCRA Equifax also you are reporting date of first Delinquency as XX/XX/18 But if you look at XXXX report attached they are showing a Ok for payment so this inaccurate XXXX You are reporting missed Payments There should be no missed payment on a charged off account XXXX you are reporting a ok payment on XX/XX/2018 as Equifax is showing date of XXXX  delinquency for XX/XX/18 inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

They're still reporting a debt from XXXX XXXX and refused to do a debt validation, it still shows collection on credit report even though they agreed it will be paid off once I pay it in full ... I contact XXXX XXXX like they said including the account number in the last complaint. According to XXXX XXXX  they only off Electricity in the state of Texas not Florida ( which they gave me the previous address to contact them ) the address I provided to XXXX XXXX  that XXXX gave me was XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX florida XXXX which i gave to the original creditor and they said that address don't exist with XXXX XXXX because XXXX XXXX only exist in texas after being on the phone with them for 15 minutes I tried calling XXXX but they're not getting the fact whoever reported it wasn't from out of state or XXXX XXXX themselves
Product: Mortgage

There are two entities involved in our transaction. XXXX XXXX XXXX who is note holder and XXXX XXXX XXXX that actually pulls the payment from our account. XXXX XXXX XXXX provided us with an amortization schedule when we signed up for the service and forwards the payments to XXXX XXXX. XXXX XXXX has made some adjustments to our account but it still does not match the amortization schedule originally provided by XXXX XXXX XXXX. XXXX XXXX XXXX shows our mortgage being paid in full as of XX/XX/XXXX and XXXX XXXX shows it being paid off in XXXX of XXXX. XXXX XXXX XXXX has not answered any of our complaints. In addition, the payments are debited from our account every two weeks but are forwarded to XXXX XXXX XXXX a month. XXXX XXXX is getting the float on our money that is suppose to be used to help accelerate our mortgage. They have mislead us on what the service they would provide would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Manipulating credit score social security profile by re-ageing delinq negative reporting every 4 months on closed credit accounts on XX/XX/XXXX then removed to reage on XX/XX/XXXX same day of investigation in order to detriment and stress credit. Denied credit based on Experian illegal dispute predatory tactics on US Consumers personal credit. Scammer for debt collectors not entitled to consumer financials
Product: Mortgage

I have called Nationstar multiple times to request an update to my escrow as my property taxes are {$0.00} for XXXX. As of XX/XX/XXXX, they published a statement requesting an increase to the escrow because of an increase in insurance premiums. I was told it would only take 10 days to complete the update when I called in XXXX. I did not see an update by mid-XXXX so I called again. I called a third time on XX/XX/XXXX and was promised a call back on XX/XX/XXXX to confirm the update had been made. I did not receive a call so I made another call on XX/XX/XXXX. 

As of XX/XX/XXXX, the representative told me the update would take effect in 24-48 hours.
Product: Debt collection

Dillard continue to verify debt that expired on XX/XX/XXXX on my experian credit report. They have reported this account several times without proper notice of debt as well. I've included my credit report as evidence on their errors. 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  Please Delete Collection Account : XXXX/DILLARD XXXX. Because it was scheduled to be removed from my credit file in XX/XX/XXXX. 
Dear ( XXXXDILLARD ) : This letter is in response to your letter verifying my debt on XXXX ( copy enclosed ) or concerning the collection of the above referenced ( XXXX/DILLARD XXXX ). 
I do not believe I owe this debt and therefore dispute this account. I am aware of my rights under the Fair Debt Collection Practices Ace ( FDCPA ) and Arkansas state laws. Therefore, I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Arkansas has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired.

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. 
Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. 
XXXX XXXX
Product: Debt collection

I'm being charged {$250.00} by a company for an uniform that was return on time. It was for an employment I never accepted working for but they still held me an uniform to start but due to personal circumstances I never start and I left ( XXXX XXXX ) where the company is located. The uniform was return on XX/XX/XXXX and I left around XX/XX/XXXX and it is XX/XX/XXXX and they are charging me that amount. I submitted a photo stating when it was return.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I called TransUnuon, XXXX, and XXXX to have old address that were undeliverable removed and theyre still on there.