23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original loan was taken out with XXXX XXXX, they were taken over by Washington Mutual who was then taken over by Chase. My payments did not follow my loan, I spoke to Chase on several occasions and have letters from them that they are not seeking foreclosure and that they withdrew the foreclosure on XXXX XXXX, XXXX. I have a letter from Chase that states they are not seeking foreclosure yet my house is set to be sold at auction on XXXX XXXX, XXXX for the foreclosure initiated by Chase. In reviewing my Mortgage documents I have discovered falsified documents which I presented to Chase, upon their reviewing these documents they withdrew the foreclosure. I have contacted the Attorneys who are on record for Chase they state they do not care what documents I have that they were hired by Chase to foreclose and they are proceeding. I have a week before my house is to be sold illegally. XXXX the servicer after Chase also sent me letters stating they withdrew their foreclosure sale upon reviewing these documents. I have requested the documents from the new servicer to no avail. I have no idea who is seeking foreclosure at this point. The judgement is from Chase who did not own the note at that time which is why they withdrew the foreclosure along with reviewing the forged and illegal documents. I just received notice from XXXX who is now the servicer of the loan and they have no information either as to who is seeking foreclosure.
Product: Student loan

I was attending a XXXX school. I was 6 months in when the school closed. During my registration and financial aid process, they said I would have to take out loans to attend. One of the loans is from a private loan company. I agreed thinking that in the long run it will pay off when I receive a well-paying job with the education I had received. My school convinced me to take out this loan and then I believe they breached their end of the contract by closing down. Spoke to lender and they state I am unable to discharge loans. I do not feel that I should pay the full amount of the remaining loan considering that I was unable to finish school.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give your company written permission to furnish these late payments on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a
) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced acc
ount will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : DP OF EDUC XXXX XXXX XXXX XXXX DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The permissible purpose for these inquiries in my credit report was not given. 

XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed that an account is not being reported accurately. Specifically, multiple late payments have been reported on an account that I have consistently paid on time. Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information in my report is completely accurate. 

Additionally, I have noticed inconsistencies across the XXXX major credit bureau TransUnion, Equifax, and Experian where this account is being reported differently on each report. These discrepancies indicate that the consumer reporting agencies are not following reasonable procedures to ensure maximum possible accuracy, as required by law. 

To address this, I have attached a copy of my credit report to provide supporting documentation to show that the reported late payments on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX are incorrect. However, instead of correcting the errors, I have received only stall responses that fail to resolve the issue. The inaccurate reporting remains on my credit file, negatively affecting my credit standing. 

I request that the CFPB take immediate action to : Investigate the credit reporting agencies failure to follow reasonable procedures to ensure accuracy. 

Require TransUnion, Equifax, and Experian to correct the inaccuracies in my credit report. 
Ensure compliance with the Fair Credit Reporting Act to prevent further harm to consumers. 

This ongoing inaccuracy has caused financial harm, and I urge the CFPB to intervene to ensure that my consumer report reflects only verified, accurate information. I have attached my credit reports and supporting documentation to substantiate my claim.
Product: Credit reporting or other personal consumer reports

Good day, please check this complaint thoroughly. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report is a violation of my consumer rights according to 15 USC 1681 and the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted each corporation, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Sincerely, XXXX XXXX
Product: Bank account or service

A hotel held funds on my debit card, but removed the hold on Tuesday, XXXX. The bank still showed the hold on the account as of XXXX, and did not provide an easy way to remove the hold from the account. The only way they would remove was with a conference call with the hotel. I called the bank through their app, which was the only contact method provided, and an option for a third party call was not available. When I told the rep this, she said she also could n't do a third party call and could n't assist me. She gave no other way to resolve the issue. This is the second or third time USAA has put the burden of resolving their errors on me.
Product: Debt collection

I was sued by Wakefield and Assoc. for medical debt. They served my ex, where I didn't live any more. Upon receiving garnishment papers at my work I attempted to work out paying off the debt. Unfortunately I was unaware of where they were applying my payments, they manipulated moneys to a really old account in order to try and keep it in statute. Keep in mind I paid these people close to {$3000.00}. I tried at every turn to work with them and settle. They wouldn't settle the last debt because of a {$70.00} difference. The account is over 7 years old, they can not collect legally, and they have not attempted to. I disputed it with Credit Reporting Agencies ( XXXX, XXXX ) but Wakefield is constantly changing payment and reporting info to keep it on my report. They have reported " no payments '' on this account, changed dates, threatened legal action-out of Colorado Statute, and lied about placement of payments. These people will try anything to destroy your credit or hold you hostage, and they will refuse a settlement over {$70.00}, that is how they operate. Disgusting.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, a written request was sent to them to stop all ACH debits from my bank account. Since then, theyve continued to deduct six more times, {$36.00} each, totaling {$210.00}, as today. This doesnt include NSF fees I have incurred due to them deducting money from my account.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries were discovered on XXXX of XXXX. The following inquiries are XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX
Product: Mortgage

I have a Wells Fargo Mortgage underwritten by XXXX XXXX. Ive been using Wells Fargo online to access the mortgage, details payment etc. 

Today I tried logging in and get the message that I dont have an account with Wells Fargo I never received a letter or communication that the loan was being sold to a new servicer so as of now I have no clue whats happening. I paid XXXX payment of {$3000.00} on XX/XX/22 but cant see it it ever posted on their end. This is unacceptable. Well Fargo needs to be held accountable
Product: Debt collection

This is a complaint against Encore Capital Group and its continued collection of a debt while the account was under investigation and is still under investigation for fraudulent charges. On XXXX/XXXX/XXXX the judgement against me initiated by Midland Funding was set aside because of lack of sufficient service. The writ of garnishment was squashed. In court, I was handed an overview of the account ending in # XXXX and I stated in court that charges that created the balance were not mine. ( see minute entry XXXX/XXXX/XXXX and XXXX pages of spreadsheets printed by Midland Credit Management ) The funds that were obtained from the first garnishment that was quashed, my employer had to assist me to get the funds returned from Midland Funding LLC. ( see attached emails dated XXXX/XXXX/XXXX ). Over the course of next several months, I filed XXXX motions to compel against Midland Funding LLC, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but was told both times by Midland Fundings ' attorneys, they had no more information on the debt. At the XXXX/XXXX/XXXX Motion to Compel hearing the Judge ordered an FTC Fraud Affidavit to be filed. XXXX See minute entry XXXX/XXXX/XXXX ) I sent the FTC Fraud Affidavit along with a Police Report to XXXX XXXX XXXX Attn. Fraud Investigation. I informed Midland Funding LLC. I was a victim of fraud and I had submitted my FACTA request to the creditor. XXXX see letter dated XXXX/XXXX/XXXX to XXXX and XXXX XXXX After filing a CFPB complaint # XXXX against XXXX the original creditor, the FDIC opened a complaint ref # XXXX dated XXXX/XXXX/XXXX. That complaint is still unresolved and the FTC Fraud Affidavit is still an outstanding issue on this account. On XXXX/XXXX/XXXX Midland Funding LLC sent me the notice of wage garnishment to collect the debt ( see Response To Initial Notice Judgement Debtor/Request for Relief of the Order for " Writ of Garnishment '' and supporting documents ). In XXXX XXXX Midland Funding LLC garnished my wages for the Judgement dated XXXX/XXXX/XXXX for a total {$1500.00} On XXXX/XXXX/XXXX, despite my objections because of the fraudulent charges, Midland Funding LLC still requested a Motion of Continuance for there garnishment.
Product: Credit reporting or other personal consumer reports

Hard inquiries Not authorized and demand removal from the three CRAs : XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX  Inquired on XX/XX/year> XXXX XXXX  XXXX Inquired XXXX XX/XX/year> XXXX XXXX Inquired on XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2019 I was seen a charge appear on my credit card notification from a merchant I use often, XXXX. The charge was for {$440.00} and I immediately contacted XXXX customer service to let them know that I was not authorizing the purchase and that someone had my account information. The representative told me that I needed to contact my credit card company and I then called Fifth Third Bank ( 5/3 ), the credit card department, to inform them of the incident. 5/3 told me that I needed to file a dispute and but I had to wait for the charge to go from pending to posted on my account. 

Once the charge posted I contacted 5/3 again to open the dispute, they cancelled my credit card and sent me a new one. On XX/XX/2019 I noticed 5/3 added the charge to my new credit card and I immediately called the credit card company again to see why the charge was added on my account. The representative that took my call told me that I was seeing the charge on my account because they spoke to the merchant and the merchant agreed to refund the charge my card. I was told they didnt want me to receive two reimbursements so they had to add the {$440.00} back to my new card. The representative told me that that I would be seeing the XXXX credit appear in a few days which will balance out the charge being added back. 

As time went by I called 5/3 multiple time letting each representative know that I had not yet received the credit from the merchant and that the balance carried on the card was affecting my credit/debt ratio which ultimately affects my credit score. The  representative then told me that I was not receiving a credit because the dispute was closed as final. She told me that in order to get my credit I needed to reopen the dispute and send an email to XXXX letting the department know why the charge was not valid. I sent this email back on XX/XX/2019 and put my case number XXXX in the subject line. After sending this email I had to contact the company several times to inquire about the case and was told repeatedly that they never received the email. I then threatened to contact CFPB regarding how they were handling the case and I was connect to a supervisor who said the document was received and that they needed time to complete the investigation. 

Today is XX/XX/2019 and the charge of {$440.00} is still showing on my account. As a consumer I am not sure what there is left to do. I explained to the bank and the merchant that I was using the XXXX services often and I believe someone had intercepted my information. The merchant nor the bank is willing to fix this issue. I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out 2 request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

per consumer report number XXXX the negative reporting items and all inquires were meant to be removed by Equifax confirmation numbers XXXX and XXXX. 
these items are still being falsely reported and I demand removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECK FOR XXXX XXXX REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Mortgage

Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Our client was denied for a loan modification in XXXX of this year. They were not offered a short sale option or any other loss mitigation options at this time. This is a direct violation of XXXX, attached, which " requires a mortgagee, trustee, beneficiary, or authorized agent to contact the borrower prior to filing a notice of default to explore options for the borrower to avoid foreclosure ''. 

It is also a violation of the CFPB 's XXXX XXXX XXXX, attached - see highlighted sections of pages XXXX and XXXX. 

Our client has not, at any time, been offered a short sale, or made aware of any other loss mitigation options they may have by Wells Fargo.
Product: Credit reporting or other personal consumer reports

Grain has been reporting inaccurate information on my credit report across all three credit bureaus. The account must be deleted from all credit reporting agencies XXXX XXXX and Transunion because the FCRA says all accounts must report 100 % maximum accuracy the banking institution is depending on it. 

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

Old XXXX account from 7 years ago that was paid and remove from my credit have been added to my credit report again. This account was removed and close but now its reappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute of this information to XXXX XXXX and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.