23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX {$0.00} -- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$10000.00} -- Derogatory Individual Account not disputed Credit Unions Closed Collection/Chargeoff Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 

{$0.00} XX/XX/XXXX -- {$10000.00} Credit Card Please remove from my Experian profile immediately. As per 15 U.S Code 5 168 1b.
Product: Mortgage

We closed ( sold ) our property on XX/XX/XXXX. We were owed {$1000.00}. We did not escrow or impound, however the mortgagor applied this refund to escrow. They mailed the refund check to the old address and we never received the check. On XX/XX/XXXX I had called to ask for the tax statements and discovered the error and had to change the mailing address and they put a stop payment on the check. 

A few weeks passed and no check, so I called again on XX/XX/XXXX. The representative confirmed that a new check was mailed to a correct mailing address. 

I called on XX/XX/XXXX because I still have not received the escrow refund. The representative place me on hold and came back stating the the check cleared on XX/XX/XXXX. I informed them that I had not received a check and therefore someone else committed mail fraud. The representative stated there was some confusion in regard to if the check cleared or was placed in unclaimed property on XX/XX/XXXX. 

I checked the unclaimed property for my state and did not see the funds there. I am submitting this complaint because I need my money and the mortgagor has not been forthright with their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information had been exposed during XXXX XXXX data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and Experian and XXXX  have refused to remove accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX  removing the unverified accounts. 
I sent all credit bureaus 609 letters to enact my rights under the FCRA and Experian and XXXX have refused to remove unverified fraudulent accounts. As recently as XX/XX/2019 both Experian and XXXX  unlawfully reported a collection account on my credit report from 'XXXX   XXXX XXXX XXXX whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a loss of 34 points in my credit score from XXXX  and 6 points from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach on XXXX/XXXX/XXXX released my data to unknown people and putting my personal information in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently read through a copy of my credit report and I saw addresses on there that are not correct. Also, I would like for you to correct the spelling of my name.
Product: Mortgage

I tried to refinance my mortgage with Wells Fargo early 2021 when mortgage rates were very low. I submitted all documentation that was asked of me, and over 3 months Wells Fargo Mortgage  people strung me along and eventually said they would not allow me to refinance. I had no reasonable explanation as to why my remortgage would not go through. I believe this was done so they could continue to collect far more money at my initial interest rate than what they would have collected at the much lower rate.
Product: Credit reporting or other personal consumer reports

Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving Equifax Data Breach ( XXXX XXXX. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : XXXX XXXX : Balance : {$3000.00} : Date Fraud Begun : XX/XX/XXXX XXXX XXXX : # XXXX : Balance : {$9800.00} ; Date Fraud Begun : XXXX XXXX, XXXX Hard Inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX : XXXX : XXXX XXXX, XXXX : XXXX : XXXX XXXX, XXXX
Product: Debt collection

This account was opened on XX/XX/2017. In have tried disputing it since as I am not aware of this account, it was not me who opened it. However I was unable to reach a manager amongst attempting numerous times. I have repeatedly received calls over the years. I tried resolving it as this is inaccurate information on my credit report and no resolution was made. I would like for this account/collection to be deleted from my account as it is not mine.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report the inquires are not mines and are fraud. 

Inquiry details XXXX XXXX  ( Auto ) XX/XX/2024 XXXX  CA ( Finance ) XX/XX/2024 XXXX  CA ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX  ( Bank ) XX/XX/2024 XXXX  XXXX  ( Finance ) XX/XX/2024 XXXX ACCEPT ( Finance ) XX/XX/2024 XXXX ( Finance ) XX/XX/2024 XXXX  CA ( Finance ) XX/XX/2024
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX submitted a direct dispute via certified mail to Equifax XXXX XXXX XXXX demanding they remove all inquiries and all fraudulent information from my credit report however Equifax XXXX XXXX XXXX did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and EQUIFAX XXXX XXXX XXXX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my address and have been for over 12 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, and Experian and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that Experian, XXXX, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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 SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/XXXX, I arranged payment plans with GoodLeap and enrolled in autopay, with the assurance that payments of {$110.00} would be automatically withdrawn. However, last month, GoodLeap reported my account as late to the credit bureaus. Instead of honoring the autopay agreement, they repeatedly emailed me, requesting my zip code to process the monthly payment, which I had already set up as agreed. This is ridiculous! In XXXX they took 3 payments from my account, I had to file a complaint to have the 2 of the payments refunded. They sent a response which was a lie and there is no record of such filings. 

They lied and sent this to you which isn't the case and I need this issue resolved because they are incompetent. 


Dear XXXX XXXX, GoodLeap is in receipt of the complaint filed on XX/XX/XXXX, with the Consumer Financial Protection Bureau ( CFPB ), regarding your GoodLeap loan. In summary, you assert GoodLeap erroneously reported your loan as late to the Credit Reporting Agencies ( CRAs ) despite being enrolled in Autopay payments. Upon receipt of the complaint, your concerns were escalated to our Loan Servicing team for research. Please note, Autopay enrollment is disabled once a bankruptcy is filed as an automatic stay is sent to all creditors. Our records show you filed for XXXX XXXX XXXX  in XX/XX/XXXX. Our Loan Servicing team confirmed the XX/XX/XXXX payment was not received within thirty ( 30 ) days of the payment due date. Accordingly, the missed payment was appropriately reported to the CRAs. To clarify, you scheduled monthly, one-time payments in the amount of {$110.00}, from XX/XX/XXXX, through XX/XX/XXXX. This is a separate payment process from enrolling in Autopay selections. Upon further review, you attempted to enroll in Autopay on XX/XX/XXXX, but were unsuccessful due to the internal error code stating, Customer Advises Originator is Not Known to Receiver or not Authorized by Receiver to Debit Receiver 's Account. As of todays date, the account is still not enrolled in Autopay. However, your scheduled monthly payments remain active until XX/XX/XXXX. GoodLeap is unable to grant goodwill adjustments to credit reporting as we are required to accurately report loan payments to CRAs. For assistance with updating your payment information in the online payment portal or any other inquiries regarding future payments, please contact our Billing Department directly at XXXX, or via email at XXXX.
Product: Debt collection

I was first contacted by a company called XXXX XXXX XXXX claiming I had a debt never paid to capital one through XXXX XXXX. I contacted both banking institutions as well as my credit report to find no such debt is owed to any of those companies in my name. Then a new company called XXXX XXXX group claiming I refused to settle with the collection agency XXXX and they are a mediator that helps me get the debt paid without judgment and jail time. Again today I contacted all banking institutions they stated i owed money to and was cleared bye those companies of owning any debt to them. It is harassment at this point.
Product: Student loan

So I recieved an email from my employer that my wages were to be garnished. It was stated that they would be garnished by Reliant Capital Solutions. The document attached to the email indicated it was a court order issued by Reliant Capital Solutions back in XXXX. I nor did my wife receive contact from them at all regarding the attempt to collect the student loan debt. This email was the first indicator that my wages were to be garnished. They were as of XX/XX/2019 garnished without contacting me by email, mail or phone call. I haven't take any action as of yet but I plan on calling my HR payoll rep about this tomorrow morning XX/XX/XXXX and see what course of action I can take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXBANK Account Number XXXX XXXX XXXX BANK Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting 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 Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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: Checking or savings account

This bank is the most disrespectful and incompetent bunch of people I have ever seen in my life. I had XXXX transactions that charged multiple times and it has been over a week since these transactions have been pending. The correct transactions have posted, yet Wells Fargo refuses to release the $ XXXX of my money that they think they are entitled to keep for themselves. I reached out to the bank and was forced to deal first with someone in another country who barely spoke XXXX and then by an XXXX XXXX who told me that the only thing she would do was file an authorization for these incompetent XXXX  to continue sitting on my money for another XXXX  days. I am sick of this and I want my money refunded NOW. If it is not back in my account by the end of XX/XX/2023, I will be filing legal action against Wells Fargo for refusing to return my money.
Product: Debt collection

Debt is not mine and have disputed this on my report to no result. Additionally, I received a letter that my information was exposed in a data breach involving NCB Management Services when I have never signed or consented to them having my information to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis continues to violate the FCRA 623 ( a ) ( 1 ) ( A ). Lexis failed to conduct a proper investigation as they are required to do under the FCRA. I disputed a XXXX  XXXX Bankruptcy ( File Number : XXXX ) that they continue to report on my credit file that they maintain under my social security number, the ENCLOSED report highlights the ERRORS that they continue to report to XXXX, XXXX and XXXX. 1 ) Shows a Bankruptcy filing number of ( XXXX ) that number is listed INVALID by Pacer ( See enclosed report ) 2 ) Their report contains several missing items ( See enclosed report ) 3 ) Shows disposition as discharged and UNKNOWN. ( Refer to enclosed report, source Lexisnexis ) 4 ) Shows a contact number of : XXXX ( This number is invalid, See enclosed report ). Now is not the time to update this report, this file must be deleted per the FCRA or I will seek my legal remedy in Federal Court for your violations of the FCRA.
Product: Credit reporting or other personal consumer reports

This account is still being reported by Transunion although I sent out a Cease and Desist notice to XXXX XXXX XXXX. They responded ; " We will treat this as a formal dispute and reach out to the original creditor, XXXX XXXX. We will send the response to your address : XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPBs lawsuit, highlighting and significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was Unfeasible the CFPBs finding indicates that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and is unacceptable and raises serious concerns about cusumer safety
Product: Debt collection

I have received calls and a text message from Frost-Arnett Company informing me that they are collecting a debt in the amount of $ XXXX for a bill I have with XXXX XXXX XXXX in XXXX, Pennsylvania. I have never received anything in writing in the mail from Frost-Arnett. Today, I contacted XXXX directly and was informed that I had no billing pending or in collections. I believe this is likely a scam. However, I am a patient of XXXX, so I don't know how they came about that information.
Product: Payday loan, title loan, or personal loan

Attached, I have sent in pics of my XXXX  checking account and my account history on the Net Pay Advance. Neither don't match and I expect that another payday loan company, XXXX XXXX XXXX might be deceiving me or us in the process. This is due to the arguments I've been having with the prior company on their numerous collection attempts which involved telemarketing calls, electronic transactions, and the legal approval that customers must adhere to in check cashing attempts.
Product: Credit reporting or other personal consumer reports

This complainant 's Mortgage payments were submitted on time as per contract with Carrington Mortgage Services , LLC . Carrington Mortgage Services , LLC reported to credit agencies that payments were late, for XXXX, XXXX, XX/XX/year> ; continued to report during a XXXX time frame, and continues to erroneously report to credit agencies as of this day of submission of this complaint. Carrington Mortgage Services , LLC processed said payments on time ; subsequently, after depositing said payments reported to credit agencies this Mortgagee 's payments as past due based on incorrect payment amounts. Carrington Mortgage Services , LLC denied request by this Mortgagee to remove their errors from credit agency reports. Carrington Mortgage Services , LLC has a history of " botching homeowners credit reports '', illegally furnishing information to credit reporting agencies that certain borrower 's accounts were delinquent, even though the homeowner 's accounts were current. Furthermore, the " CFPB Takes Action Against Carrington Mortgage Services , LLC for Cheating Homeowners out of CARES Act Rights '' subsequently imposing a {$5.00} XXXX dollar fine to Carrington Mortgage Services , LLC . Complainant seeks redress, and assistance from the Consumer Financial Protection Bureau for Carrington Mortgage Services , LLC 's violations of consumer protection laws. 

ATTACHMENTS Carrington Mortgage Services, LLC.XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Experian to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. I got a letter sent XX/XX/21 stating that the dispute was pending, and on XX/XX/21 it was verified as accurate. It has now been well over 120 days since I initiated contact with NCA, and over 100 days since I initially contacted Experian. I do not believe that an investigation was done at all.
Product: Vehicle loan or lease

Ally Auto has now deactivated my account to the point I can't access the third party XXXX. Trying to force me to use the higher priced third party billers. I attempted to pay the {$5.00} today that they say I owe past due and now an error code comes up on XXXX has if I don't have an account. XXXX is a third part biller as well as XXXX XXXX and XXXX XXXX its unacceptable practice to almost bully your consumers into paying higher prices to send payments. I am prepared now to move forward with a civil complaint. This is a form of predatory lending. I guess they get a kick back if I used XXXX XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I have never been late on my account : DEPT OF EDUCATION/XXXX ( 15 ACCOUNTS )