23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management is threatening to sue me for a debt that does not belong to me. I have disputed this debt with all credit beaurus and I have contacted Midland Credit Management directly to let them know this account was sold illegally. They just continue to harass me & make threats with attorneys causing me to develop anxiety. I need them to stop the threats and update their information as needed.
Product: Checking or savings account

In XX/XX/year> I deposited a check that was issued to my grandfathers wife which she had endorsed over to me because she did not have a checking account with Chase only retirement. Since XXXXXXXX XXXX XXXX Chase has closed out all of my accounts based on speculation and assumption that their had to be some sort of fraud going on, Chase suspended my funds of XXXX dollars and have been holding on to them since XXXX they were finally able to verify the check on XX/XX/XXXX and told me they would be mailing out a check, I asked them what I was supposed to do with a check that large with no bank account to deposit it into, I can't even open an account at any other bank because of whatever check system I was placed in by Chase. Since all of this has happened I have had all of my accounts closed out by multiple banks I have defaulted on my house and my credit score has dropped over XXXX points. I was told on the XXXX of XXXX to go open a new account with Chase at a secure level so that the funds could immediately be transferred to the new account today is the XXXX of XXXX and I am being told I will have to wait until the XXXX of XXXX midnight. Chase has created such a hardship in my life and takes no accountability nor do they take any course of action to rectify the matter on behalf of their wrong doing.
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( CREDIT COLLECTION SERV ) ( XXXX ) 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX slandered when they said they accepted my XXXX plan and then later gave me a terrible experience in the hospital that i had to forcebly despute thru XXXX as they the best they could to appeal and bring it to the hopital to accept
Product: Checking or savings account

Wells Fargo deactivated my card without my consent. The card was still good until XX/XX/24 and when I called them XX/XX/24 to tell them my card is not working when I was at the store they then informed me that they sent a new card out but it was not deliverable when they have my address because they have mailed me out letters.I had to then use my credit card which charges interest. I should have been able to use my card until it expired. They told me that they have no fault in this and I 100 % disagree. They canceled my card without my acknowledgment and did not inform me of any problems. If I did not call them they would have never fixed the problem. Wells Fargo does not look out for the best of their customers!
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as WAKEFIELD & ASSOCIATES XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an mortgage with XXXX XXXX XXXX in XXXX they sold the mortgage to XXXX XXXX  ( sometime during that time ) I sold my house in XXXX neither mortgage company reported my MORTGAGE payment history to the XXXX major credit bureaus. 

This inaccurate & lack of reporting to the credit bureaus have caused me thousands of lost $ & hiked interest rates for my current house, car purchases, & current credit. 

This lack of reporting has caused me credit pain for years ( not able to buy a car or house that I wanted ). 

Resolve : I would like both companies to add & report the XXXX mortgage payment history to my credit report. This abuse of lack of CREDIT reporting is NOT ok! 

I am furious at this. This is the mortgage companies job to do the right thing. 

I just spent 49 minutes talking to your staff to report this, now Im on line doing this.

I need help please Thank you
Product: Mortgage

Gateway mortgage has and continues to maintain to recklessly disregarded HUD guidelines as well as violate federal law under XXXX to avoid providing the best relief available for this borrower under HUD guidelines. In spite of the fact that this loan is insured by FHA Gateway has insisted that the borrower can not add his wife to the application unless he provides proof that they are legally married which is in direct violation of ECOA. Gateway also refused to reconsider the wife 's income after Gateway acknowledged it would use it once we provided proof of her continued employment which we did. Gateway refused to provide the reason for denial until after we contacted HUD that compelled them to release it. Gateway offered the borrower, under duress, a covid partial claim if he provided a letter saying that his income was effected by the pandemic. The letter he provided said his wife 's income was effected not his. The offer did not reduce his payments in fact they went up. The borrower 's interest rate remains above 6 % and he has an escrow shortage in excess of {$10000.00} that has not been cured. We have spoken with XXXX XXXX, loss mitigation mgr, who appears to be the most inept, uninformed, untrained manager we have ever encountered and definitely needs to go back to some remedial training because the terms he was using XXXX HUD assumption ) have been outdated for decades. This is the 3rd complaint we have submitted through CFPB. There is currently an open HUD file as well. I sincerely hope the new administration will take more of an enforcement approach to resolve the inequities for this borrower.
Product: Credit card or prepaid card

We furnished a house from Ashleys on the XXXX of XX/XX/2019, a living room, dining room, and 2 bedroom sets. When we started receiving the stuff everything that was delivered was defective and damaged, the drivers would note the damage and we would contact customer service to discuss the issue, when they redelivered the furnisher it was always damaged, they gave us damaged furniture up to 4 times. We tried contacting customer service a second time, they arranged a second delivery to replace the damaged items, they gave us more defective and damaged furniture for our living room and bedrooms. We tried to contact the managers to solve the problem, but its a corporate store with the same managers, for some reason they were not willing to work with us, we bought brand new furniture but they treated it like it was used by sending people over to fix it. Everything except the bedrooms was delivered damaged, we called the manager again 3 days after we received the stuff to return it, it states on the TOS that you can return items up to 7 days after the delivery, they ignored the request. After this we contacted the credit card company, which is affiliated with Ashleys and we attempted to dispute the charges. It took Synchrony Bank 60 days to respond, the dispute came back declined even after we told them theyre furniture is in the garage unused and ready to be picked up. 
synchrony bank P.O. Box XXXX Florida XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax deleted a great credit history with XXXX XXXX XXXX # XXXX. It was my car payment. It wasn't due to come off because it was reported in 2012. I have asked XXXX several times to put it back on my credit report. They won't do so and I am feeling targeted. I feel like they want to destroy my life with all the inaccurate negative reporting and then they are removing good payment history. Please ask them to put XXXX XXXX XXXX back on my credit report.
Product: Debt collection

I am writing to dispute the validity of a debt associated with a XXXXXXXX XXXX credit card account that has been reported on my credit file and is currently being collected by your agency. It has come to my attention that this account was opened fraudulently in my name and without my consent or authorization. I have already initiated a dispute with XXXXXXXX XXXX  regarding this matter, and I am in the process of resolving the issue directly with them. 

Furthermore, I wish to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681b ( a ) ( 3 ) ( A ) of the Act. Your agency has conducted an inquiry into my credit report without a permissible purpose, as I did not directly and voluntarily seek credit from either XXXX XXXX or United Collection Bureaus , Inc., nor did I authorize your agency to access my credit reports. This violates my consumer rights under the FCRA.

Given these circumstances, I am requesting the following actions : Immediate cessation of all collection activities related to this fraudulent account. 
Removal of any related entries from my credit report to prevent further harm to my credit standing. 

A written confirmation from United Collection Bureaus , Inc., acknowledging the fraudulent nature of the account and detailing the steps taken to rectify the situation.

I am including copies of all relevant disputes previously sent to XXXX XXXX and any correspondence received from them regarding this matter. I expect a prompt response to this letter, addressing the concerns raised and outlining the actions your agency will take to resolve this dispute. 

Thank you for your immediate attention to this serious matter.
Product: Mortgage

THIS COMPANY WAS TRANSFERRED OVER TO THEM ON XX/XX/2021. THE MORTGAGE COMPANY HAS BEEN SOLD TO SN SERVICING CORPORTATION AGENTS FOR XXXX XXXX XXXX XXXX AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... I HAD REQUESTED MORTGAGE ASSISTANCE FROM THIS COMPANY I HAVE SUMMITTED ALL OF THE INFORMATION THAT THEY HAVE ASKED FOR INCOME, PROPERTY TAXES, INSURANCE ON PROPERTY, A MONTHLY PRINTOUT DUE TO COVID HARDSHIP IM NOT MAKING THE INCOME I USE TO MAKE ITS BARELY ACCEPTABLE ... THE COMPANY HAD TURNED ME DOWN NOT WILLING TO WORK WITH THE HOMEOWNER THE RATEFOR THE PROPERTY IS OVER XXXX  % WITH A LARGE MONTHLY PAYMENT ... ITS A XXXX LOAN WITH AN ADJUSTABLE RATE ... THIS COMPANY STATED THAT THE XXXX WANT TWO OR MORE PAYMENTS A MONTH FOR XXXX TO XXXX MONTHS WHICH IS NOT AFFORDABLE TO THE HOMEOWNER.. ALSO THEY STATED THAT ITS A XXXX XXXX AND THEY DONT PRECIPATE IN THE GOVERNMENT CHANGES ... I THOUGHT THAT A MORTGAGE COMPANY SUPPOSE TO HELP THE HOMEOWNERS?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports with all three agencies, XXXX, XXXX, and Transunion consistently contain identifying information ( i.e. addresses, telephone numbers, etc. ) which do not belong to me. Sometimes the information belongs to my ex-husband, other times it belongs to god knows. I have tried to work at getting this adjusted, however, the only thing I am ever told is that they can not verify my identity and that I need to touch base with whatever agency ( e.g. XXXX XXXX ) to inform that they ( the credit agency ) can not verify my identity. I have no idea how to go about getting the information corrected as they have never provided guidance on doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach has caused two items on my credit report to be inaccurate
Product: Credit card

We have a Fidelity Brokerage joint checking account and a closely associated Elan Financial Fidelity-branded joint credit card. 

On XX/XX/XXXX, my wife asked me for a divorce. 

On XX/XX/XXXX, I paid the entire balance of our Elan-Fidelity joint credit card. Not the statement balance, I mean the entire balance, so the account afterward had a XXXX balance. I didn't cancel the scheduled autopay because I assumed the system was smart enough to realize that the monthly statement balance autopay was now unnecessary because it was already paid for manually on XX/XX/29. 

On XX/XX/XXXX, Elan Financial basically stole an extra {$3600.00} through my previously scheduled autopay to pay for a then nonexistent balance. My account went to a balance *in my favor* of around {$3600.00}. 

No big deal, I should just call and get them to transfer the money back to me, right? I called on XX/XX/XXXX and asked them to return all the money from that autopaid overpayment back to me ASAP. Instead of returning it to me within 24 hours, or within 1 - 3 days, they said it would take 10 business days (!! ) to return my funds back to my Fidelity brokerage checking account from which it was taken. 

I called back again two or three days later to again demand faster processing. I'm going through a divorce and my wife and I need to split all our assets in a timely way, and this lingering balance is interfering with our ability to finish our split. The customer service rep said that she'd send an email to the back office requesting expedited processing. 

Today, XXXX XXXX, 10 days after this stupid gross overpayment went through, I called AGAIN to ask for immediate expedited processing. We're planning to file our divorce papers tomorrow, so we really need to split these assets ASAP, ideally before the end of the day. The customer service rep I reached transferred me to a supervisor. The supervisor told me that the refund has been delayed further, and that it'll take at least 21 days (!! ) for them to get our funds back. 

This is unacceptable and enraging. Elan Financial has no reason to hold onto these funds other than XXXX  incompetence and indifference, or grossly inappropriate greed over the interest they can earn on the balance they're withholding from us as they stall in returning our funds to us. 

Please help give XXXX  to this complaint, and please establish rules that credit card companies have to follow about not blindly drawing more funds from autopay than are needed to pay down the most recent actual balance on the account. We shouldn't be penalized with confusions and incompetence like this for doing the right thing and prepaying my balance down to XXXX manually before the autopay triggers.
Product: Mortgage

My credit report showed a tradeline for " Citifinancial Mortgage ''. 
I also received a IRS tax form with the same mortgage name/info on it. 
I never had a mortgage with this company. 
I contacted them and was told that the account number I was reading them did not exist and it was not even the format of their account numbers and therefore could not be theirs. 
The rep on the phone refused to help. 
I sent a letter along with copies of my credit report and the tax form to the address on the tax form. 
I did not receive a response. 
I also sent a letter to a local law firm I was told are lawyers for Citifinancial, XXXX. 
They also ignored me. 
The questions below such as the ones below, " which part of process '' etc. do not have proper answers because they do n't have options for accounts that are mistakes/result of ID theft.
Product: Debt collection

I was issued a writ of garnishment of XXXX the XXXX of XXXX but my job contact me frist about it on the XXXX I contact the debt collector an ask for a validation of debt and why was this my frist time of hearing about this the agent said that I was contacted in XXXX about this debt but I dont recall the conversation are being served paperwork for said debt but in the agent records indicate that I had know about it and I requested information about debt to prove it was my debt the agent begin to be aggressive with me an refuse to provide anymore information and told me that they work for XXXX the local hospital in that town and have write them two letters of debt validation and sent the court a appeal letter and have not heard from no one and its by on the 30 day since I requested the information and according to the agent all so the debt was for a medical bill from XXXX and and that claim that sued me XXXX But didn't not inform me that the debt was pass stature of limitation and the garnishment was filled on XX/XX/XXXX but was not sent out to me XXXX XXXX XXXX of XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX CIG Financial, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Attention XXXX XXXX XXXX, XXXX Subject : Dispute of Wage Garnishment by XXXX XXXX XXXX and Inaccurate Information Reporting Dear CIG Financial, XXXX, I am writing to formally dispute the recent wage garnishment actions taken against me by XXXX XXXX XXXX, purportedly on behalf of CIG Financial XXXX XXXX. Upon contacting the attorney 's office, I was informed that my information was not in their system, indicating a potential error or fraudulent activity. I've never done business with XXXX XXXX XXXX XXXX ever in my life. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. This garnishment action appears to be based on inaccurate or unverifiable information, and as such, I am invoking my rights under the FCRA to dispute this garnishment. 

Details of the Dispute : Garnishing Attorney 's Name : XXXX XXXX XXXX XXXX of Garnishment Notice : XX/XX/XXXX Amount Garnished : Unknown Reasons for Dispute : Inaccuracy : The attorney hired by CIG Financial , LLC has no record of my information in their system, indicating that the garnishment may have been issued in error. 
Unverifiable Information : The garnishment is based on information that can not be verified by the attorney 's office, raising serious concerns about the legitimacy of this action. 
Supporting Documentation : To support my dispute, I have enclosed the following : Copies of all my Identity Theft Police Report 's dating back to XXXX showing that my identity has been compromised multiple times. 
A copy of the wage garnishment notice. 
A record of my communication with XXXX XXXX XXXX 's office, indicating that my information is not in their system. 
A copy of my credit report, highlighting any related entries. 
Action Requested : I request that CIG Financial, LLC immediately cease the wage garnishment and conduct a thorough investigation into this matter. Additionally, I request the following : Correction of Records : Update all records to reflect the inaccuracy of this garnishment and remove any related negative entries from my credit report.

Verification of Information : Provide me with a written explanation detailing the verification process of the information that led to the garnishment action. 
Notification to Credit Bureaus : Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) to correct any inaccurate or unverifiable information resulting from this garnishment action. 
If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue. 

Sincerely, XXXX XXXX
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 XXXX and TransUnion credit bureaus to validate these inquiries ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law .It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting a different date of bankruptcy than the original date. XX/XX/2012 2012
Product: Mortgage

XXXX, XXXX Iowa Sheriff The XXXX Clerk of Court of Iowa, XXXX Assessor of Iowa, XXXX XXXX Law Firm, XXXX and Wells Fargo unlawfully foreclosed and let someone purchase my home. Also VA employees, Wells Fargo employees who were involved in deceptive practices. I used XXXX to complain through the VA and the XXXX XXXX XXXX loan center got my VA loan entitlement back after the documentation and phone calls I have provided. XXXX owes me XXXX for doing this. Wells Fargo owes me XXXX for what was owed on the house. Clerk of court of Iowa owes me XXXX. XXXX Sheriff owes me over XXXX for the merchandise they threw away when they forced me to move due to a writ of removal that should n't have happened. Would like the XXXX Sheriff to pay my moving truck costs and storage unit costs of about {$1000.00} dollars.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital one credit has credit was provided to my employer without my permission as financial responsible neglect which caused me to be moved from my workplace. this account has inaccurate information and has been misused which in unlawful. Both accounts we paid in full never closed at my discretion... due to all these unlawful actions from this company both accounts must be removed form my credit file