23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already contacted this company on different occasions and they insist that I have an alleged debt with them.

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 


Account info Account name XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX  credit XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX  B, and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Phone Numbers listed are not my phone numbers nor do I no how they was obtain. 

Numbers showing are not right I have sent a copy of phone numbers that belong to me. It makes no sense that all these numbers on my credit file. I do n't own no toll free numbers as transunion is showing. 

I 'm filing with the FTC as well to the issues with Transunion on this problem. I have listed my numbers and numbers that have belong to me in the last 3 years the rest are not my numbers. 
I need proof from trans union to prove the numbers belong to me in my name. I need proof from what ever phone company that Transunion is showing on my credit file that it belongs to me. 

I have a copy uploaded to XXXX from the phone company bill. Transunion has XXXX that is not my phone number.XXXX
Product: Mortgage

We received a letter in the mail from Mr. Cooper threatening to purchase insurance for our home which we will have to pay if we can not provide proof of insurance. I checked their insurance website and all seems fine. I called them and they also can't tell me why the letter was sent. All I'm getting are guesses and suppositions. In my conversations with them they're now attempting to burden on me to make sure I always update their website with my most recent policy. This is a broken process and needs to be fixed. If my policy has not lapsed I am no longer going to waste hours of my life attempting to figure out why the background systems and processes aren't working.
Product: Credit card or prepaid card

Back in XXXX, I made a transfer payment from XXXX XXXX credit card to my Bank of America credit card ending in XXXX in the amount of {$3800.00} and my original balance was {$4000.00}. Which I should have been left with {$200.00}. The {$200.00} was paid before XX/XX/2020. At this this time I was not owing any balance. A week later i saw on my statement stating i was again owing over {$4000.00}. I went to a local Bank Of America branch here in XXXX Florida to make a complain and I explained my situation to a Banker and I was told BOA didn't receive any amount that I should call XXXX bank. I went to XXXX local branch to find out why the money was not sent and they said it was sent to BOA and they received it. I ended up telling XXXX to retrieve the {$3800.00} back and i will just pay directly to BOA. So i started paying to BOA from {$3800.00}, i continued my payment till it was {$3300.00}. Two days later, i saw my online banking stating, I was now owing over {$7000.00} from BOA. I do understand I was owing them {$3300.00}. I was really confused why they said I was owing {$4000.00} again. So, I decided to make another bank transfer from XXXX credit card in the amount of {$3300.00} to BOA to avoid the interest promo given to me. To my understanding, I shouldn't be owing BOA any amount. So, the {$4000.00} i believe was a mistake. I contacted BOA and told them about the mistake but there was no clear understanding. I am in need of help because I can't afford to give out any money I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX {$240.00} This account is unknown to me. I have disputed this account to Trans Union on as many as ( 5 ) times since seeing it on my credit report. I have reported this unknown account to the FTC and was provided with an Affidavit case number XXXX on XXXX XXXX 2015. 

Pursuant to the FCRA and the FDCPA I now exercise my right to question the validity of this debt you claim is verified but yet I have received the FULL validation documents as dictated in the creditors debt collection declaration and is due under the Fair Debt Collection Practices Act section 809 Validation of Debts. It is not just that the Trans Union can state that they have verified a debt that I know is not mine and therefore can not be validated as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). I request that Trans Union please forward their FULL Validation package to me by mail.
Product: Credit reporting or other personal consumer reports

This information is not reported to the credit bureaus by the U.S. Bankruptcy Court and thus should not be on my credit file. As stated in the letter received from the U.S. Bankruptcy Court on XX/XX/XXXX.
Product: Mortgage

My mortgage provider has refused to cancel my PMI now that the loan to value is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. 

In accordance with the HPA and CFPB Bulletin XX/XX/XXXX-XX/XX/XXXX they are required to cancel my PMI at 78 % of original value at anytime it occurs.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute for the account : XXXX XXXX XXXX, reported bal. {$9700.00} in regard to inaccuracies and incomplete information on my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation and leaving inaccurate and incompleteness on my report. 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 the federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I took out a private student loan from Wells Fargo Bank with my mom as a co-signer. This loan is to fund a XXXX program at XXXX XXXX University in XXXX, CA. The loan is now in default, but I made an agreement to still pay monthly payments of $ XXXX/month. However, I stopped the automatic payments for a few months, but then made another agreement to lower the payments to $ XXXX/mth. Apparently, I forgot to cancel the stop payment order with my bank and then Wells Fargo was not able to obtain the automatic payments from my bank. A few months later, Wells Fargo Bank took out {$1100.00} from my Mom 's bank, who is the co-signer of the loan without her or my consent or permission to do so. They simply just took out the {$1100.00} from my mom 's bank because she is the co-signer and we are not able to get that money back even after many talks with them. Is there a way to get the money back they they took out?
Product: Credit reporting or other personal consumer reports

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
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 XXXX  account # XXXX ( Original Creditor : XXXX XXXX  ). The XXXX XXXX account was not authorized by the consumer. An investigation into this account on XX/XX/2023 by XXXX XXXXXXXX determined that the consumer did not authorize this account that is showing as " in collection '' status, and issued a credit of {$220.00} to cancel the debt, and remove the account. The account is CANCELED, NO LONGER IN COLLECTION. The debt has been reversed by XXXX XXXX. However, the account is still listed on the credit report has in collection, derogatory, and collection/charge-off. The account has been canceled, the debt has been reversed by the company. Consumer is requesting that the account be removed from the credit report. 

15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a consumer 's account information without their written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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: Mortgage

In 2008 I lost my home at XXXX XXXX XXXX XXXX XXXX, GA XXXX I lost it bwcause I was out of work when I finally gained employment I tried to get a loan modificatioon from Wells fargo. 

I was told over the phone and you can check their recordings. 

" That they do not give loan modifications to XXXX  people. '' I was floored to say the least and I lost my home. 

I did not know until now that I had any recourse on this and any way to hold Wells Fargo accountable for their prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$23000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not Applied for any credit account or loan accounts in the last 3 years and I have noticed I have some inquiries on my TransUnion account that I did not authorize. I was told that they would be a soft inquires but instead they were hard inquiries by these companies listed below!! These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. A request for your credit history is called an inquiry. There are two types of inquiries, hard and soft. A soft inquiry will not affect your credit score, but hard inquiries may. Hard inquiries remain on your credit report for two years. 
XXXX XXXX Delete XXXX XXXX XXXX Delete XXXX XXXX XXXX Delete XXXX  XXXX XXXXDelete XXXX  XXXX XXXX Delete XXXX XXXX XXXX Delete XXXX
Product: Credit card or prepaid card

I have a USAA XXXX account that has been setup to auto pay the balance due in full for many years. They always take whatever amount they want when they want it. I have zero control over this process after it is setup. They take whatever this amount is in a reliable fashion. However, on at least two occasions in the past 6 months, and possibly more, they have charged me " interest on purchases '' - which as the balance should be XXXX at the time should also be XXXX. I have complained and after multiple attempts it was corrected the first time. I have complained again but since millions and millions of customers could also be affected I have told them to look for customers like me in their system and credit all of us the money we are due this time around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a listing on my credit report from XXXX  XXXX  stating I owe them XXXX since XX/XX/2018. I have absolutely no knowledge of this company or any loan of that amount. They are reporting derogatory account to the credit companies every 5-7 days negatively impacting my score. I attempted to contact the company requesting verification of debt and never received any information from them. I then disputed this charge multiple times with XXXX XXXX and experian and I was not provided any information about this debt. My latest dispute was on XX/XX/2018 and it came back as resolved and updated but I see no change or new information provided.
Product: Mortgage

We applied for a mortgage loan with Wells Fargo Home Mortgage through XXXX XXXX ( XXXX ID # XXXX to purchase a condominium at XXXX XXXX XXXX XXXX. Wells Fargo issued a mortgage commitment letter during the preconstruction phase of the building, which was required to be reissued after a period of time. As a result of the commitment letter issued by Wells Fargo we made a substantial deposit to purchase a condominium unit at XXXX XXXX XXXX XXXX. We made many attempts to contact XXXX XXXX to reissue the commitment letter but she did not return calls or email. Wells Fargo through its agent XXXX XXXX was the preferred lender for the building and we were required to seek the initial mortgage commitment through Wells Fargo. When XXXX XXXX finally responded to our many requests, she advised us that Wells Fargo would not issue a mortgage loan. However, XXXX XXXX and Wells Fargo have refused to issue a denial letter for the mortgage application with specific reasons, which is required by law, as to why Wells Fargo would not issue a mortgage loan. 
Wells Fargo and XXXX XXXX intentionally deceived and misled us by issuing a commitment letter which we relied on to submit a very substantial deposit to the builder to purchase a unit at XXXX XXXX XXXX XXXX and then refused to issue a mortgage loan. We believe that Wells Fargo, XXXX XXXX and the builder of XXXX XXXX XXXX XXXX have engaged in a conspiracy to write commitment letters to prospective buyers to then revoke the commitment, so that the builder/seller can retain the deposit money ( which should still be in escrow ) even when the unit is sold at the same or higher price. 
According to the XXXX Consumer Access Site, XXXX XXXX goes under XXXX names : XXXX XXXX XXXX and XXXX XXXX XXXX. Her address and phone number at work is : Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX - XXXX XXXX, New York XXXX XXXX Given the foregoing, we have requested that the builder return our deposit since they have placed the apartment up for sale and we believe is currently in contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX 
has violate my right. 
15 U.S.C 1681 section 602a. state 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX , Transunion and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report  .
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate addresses from my credit report. As a consumer, I have the legal right under 15 U.S. Code 1681i to dispute and have inaccurate, incomplete, or unverifiable information removed from my credit file. 

The inaccurate addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX I have formally disputed the incorrect addresses with Equifax and provided supporting documentation verifying my correct and current address. Despite my request, the bureau has failed to correct or remove these inaccuracies within the 30 day timeframe required by the FCRA. Their failure to take corrective action is a direct violation of my rights and is causing undue harm to my credit profile. 

I request the CFPBs immediate intervention to enforce compliance with federal law and ensure that these incorrect addresses are permanently removed from my credit report. I also ask that the credit bureau be held accountable for their failure to uphold consumer protection regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FORMERLY XXXX Last reported XX/XX/2022 Reported 30 Days Late on XX/XX/2022 In Florida, in a county/area in which I am residing ( XXXX XXXX XXXX ) XXXX was declared a disaster area by the Federal Government, as well as a State of Emergency Declaration by the State of Florida. Despite knowledge of this, the company refused to work with me and still reported me anyway. I have paid 100 % of my payments on-time, and this was the only month Ive ever missed an actual payment reported to the Credit Bureau XXXX 

Throughout the entire COVID-19 pandemic, I legally could have declared hardship, and never did. They were ALWAYS paid, even if late - I never crossed the reporting threshold of 30-60 days. Instead of acknowledging this, they tanked my credit. I asked TransUnion to investigate and they IGNORED the disaster plea I made due to Hurricane Ian.

As companies that have been investigated by the Government for FRAUD, they are quick to punish hard-working Americans who still have tried to pay their bills - despite two simultaneous disaster qualifications by the State and Federal Government. This needs to be resolved because of the storm declarations and such as, they have no legal right to do what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was released from a XXXX XXXX  due to complications from XXXX XXXX that had me XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX from having a mild XXXX while in my XXXX. I wasn't able to make payments on the {$2600.00} XXXX loan was I approved for on XX/XX/2021. Monday, I was alerted by XXXX  that Affirm is reporting a 60 day late on my credit file. I have been able to reach all my creditors who have agreed to reverse the 60 day lates due to my illness due to XXXX XXXX I emailed Affirm stating my circumstances for missing my loan payments and haven't received a reply. I have called Affirm and was told a supervisor would call me within 24 hours. A call has never come and an Affirm rep called me today to collect a payment. I informed him that I was awaiting for a call from a supervisor and once again stated my circumstances. The Affirm rep said he saw the notes and expect a call from a supervisor.
Product: Mortgage

I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.
Product: Checking or savings account

I received a letter from Chase bank informing me that they are closing my check and two credit card accounts. 
The reason they give for closing them is because a previous credit account was closed. That is all. 

I called the bank and they told me that they can not help me. 

My relationship with Chase Bank began on 2010. It has been always a good one. I do not have fraudulent behavior nor transactions that, in my opinion, are not suspicious.