23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects a balance of {$380.00} unpaid from Gold Key. 
This is a medical bill charge. I was unemployed at the time, and granted financial assistance, taking my balance down to {$76.00}. This was paid. I had to send backup information of my unemployment and no unemployment benefits multiple times. I also had to send my husband 's information. This was received and I went to the highest supervisor at the medical company who gave me the amount due, and had a bill sent. Due to incompetent representatives, this went on for months. The bill was finally sent and paid XX/XX/XXXX. It did not clear until XX/XX/XXXX. There was no balance due of {$380.00}. Bills were paid, or financial assistance was granted. No collection agency should have ever touched this account because I was working with the medical company directly. 

Email 1 shows much of my communication back and forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because Transunion has refused to remove this acct status of late.LOUISIANA CHILD SUPPORT Reported : XXXX XXXX, XXXX {$40000.00}. Because of the COVID 19 Pandemics I was out of work for a year but now I am all caught up and request Transunion to change the status to good standing. I have provided the same explanation to XXXX and XXXX without any issues. 
This has caused me financial harms as most Americans. The Pandemic did not helped me but I am good now.
Product: Checking or savings account

My spouse passed away on XX/XX/18 after an unexpected illness. They established an executed Living Trust, Power of Attorney For All Assets and Last Will & Testament clearly indicating that I am the sole Executor of their estate. For over 1 1/2 months I have been in contact with Capital One to gain access to my legally owned accounts since they become my property immediately at the time of their death but to no avail. Pursuant to Capital One 's request, I provided a copy of the official death certificate as well as executed copies of the Living Trust, Power of Attorney and Will. However, Capital One claims they do not accept executed Living Trusts even though it is an appropriate legal document. The other 8 financial institutions I needed to deal with readily accepted all of these documents without issue. After numerous phone calls and emails, Capital One required I resubmit my " Letter of Direction '' 3 different times after requesting changes as well as requiring a notarized/executed " Affidavit For Small Estate Transfers Without Probate ''. I have been informed that my " Letter of Direction '' is now acceptable, however, they keep requesting the notarized/signed Affidavit For Small Estate Transfers Without Probate that I have sent to them on 4 separate occasions, please see attached email copies PDF. I am filing this complaint due to Capital One 's unwillingness to resolve this matter in a timely and professional manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also state a customer Reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency May make any customer report Containing any of the following items of information any other adverse item of information, other than Record of Conviction 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 customer to any customer reporting agency if the person knows or has reasonable causes to believe that the information Is inaccurate.
Product: Debt collection

My name is XXXX XXXX this is in regards to an account originally with XXXX that portfolio recovery owns at first woman on the phone threatened about a lawyer, looking at it not exactly acting as a lawyer, but mentioning XXXX as a threat so I reached out to higher management simply asked for validation /Closing disclosure that the woman on the phone said it was too late for and we were past that today I receive An envelope which seems to be my account statements and validation letters number XXXX on the bill of sale. It has sale amount and principal and fees the add up to XXXX on a sale file I have XXXX numbers that only add up to XXXX and some change thats first of all the biggest deal I see is the goodbye letter or the disclosure that I asked for because I said XXXX never sent me one has the wrong address on it meaning I lived at another address in 2022. Theyre claiming that they sent me an original letter, they clearly wrote themselves and made the mistake of putting my new address here in 2022 so they doctored up is total fraud and it all came in the same package actually even some of the old statements have my new address on it, which just means they also made those arent the original statements? Its complete fraud. I wanted to let other people know before this happens to someone else.
Product: Mortgage

This complaint follows and complaints numbers ; XXXX, XXXX andXXXX. The complaints are all related to the same loan and are hereby incorporated by reference. This will be my final complaint filed with the CFPB regarding this matter but it an important because it underscores the issue set forth in my initial complaint. 

The issue from the outset has been a lack of transparency and honesty by representatives of the American Advisors Group regarding the basis for the denial of a reverse mortgage loan my wife and I applied for in XXXX of XXXX. Since we had never been denied a mortgage loan in our 45 years of marriage, had credit scores over XXXX and a net worth more than three times the amount of the loan we requested we were taken by surprise. In  XXXX of XXXX I wrote a letter to the CEO of AAG stating my concern that someone in the process may have seen our drivers licenses, that were collected during the process, and decided they did not want my wife and I to get the loan because of our race. Next came a call from an attorney for AAG, XXXX XXXX and a conference call with three AAG employees for the stated purpose of explaining why the loan was not approved. Then came the series of CFFB complaints and replies from AAGs XXXX XXXX, Complaint Resolution Manager.

Mr. XXXX role has been simply that of a gatekeeper who denies or rephrases every issue with the hope that the complainant will simply go away. While this will be my last CFPB complaint on this matter it is not because I am going away. I will be filing a HUD complaint as a prerequisite to Federal Court filing, which I have one year from the time of the incident to file. I do not believe I will be able to get answers to from AAG without the legal discovery process.

The only reason I filed this final CFPB complaint is to put into the record that AAG has made yet another claim that is not true. Mr. XXXX claims that a copy of the XX/XX/XXXX Statement of Credit Denial,  termination or Changesent on XXXXwas delivered to your residence on XX/XX/XXXX at XXXX XXXX. I am attaching to the complaint an Affidavit signed by me, under penalty of perjury, stating that no such letter was included in that mailing. This is a critical document because it will officially establish AAGs basis for the denial of the loan. 

As I have noted in my previous complaints, my wife and I have yet to receive written notice that the loan was denied and why. AAG has asserted that HUD guidelines prevented them from approving the loan. If this is so they should simply cite the relevant rules. As I have said from the outset, my only concern is determine if discretionary decision were influence by illegal discrimination.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Online Information Services XXXX, XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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
Product: Credit card

In late XX/XX/2023 there was a fraudulent charge on my Bank of America credit card. I disputed this charge with Bank of America and the charge was removed. A few days later the dispute was reversed and put back on my account as a charge. I did not receive any notification regarding this. I called and disputed the reversal on XX/XX/XXXX. The charge is still showing on my account. It is due for payment on the XXXX of XXXX which is Sunday. There is a claim for this on the Bank of America website stating that it is being researched. 

This is not the first fraudulent charge on this account. There was another in early XXXX that was rectified and a new account # and card sent to me. This card was immediately locked up in my safe. Then this latest charge happened and I was again issued a new account # and card. I put it in my safe. 

To add further complication to this. I discovered an email on my account contacts that was not mine. I reported this and the BOA employee found another user name attached to my account that was not mine. She deleted that profile and the email. 

I just want this dispute to be removed from my account immediately to avoid this charge being reported as past due to the credit bureaus.

I am extremely frustrated with Bank of America over this situation. It should not take them 6 weeks to correct my account especially given the erroneous user information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelles 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 transparency is unacceptable and raises concerns about consumers safety
Product: Debt collection

This debt has been disputed from my report more than 3 times. It has now been purchased by LVNV Funding in which I DID NOT get any statement or documents to contact this agency before placing it on my credit report yet AGAIN. Thus is causing me so much stress and XXXX and must be resolved.
Product: Prepaid card

On Wednesday XXXXXXXX XXXX I purchased the card and had it activated in store at a local XXXX Later that day I tried to use my card online, on XXXX and XXXX though both sites declined my card they both took XXXX XXXX when I added the card to the sites ( XXXX took XXXX cents as I attempted to re-add the card ). I then called customer service regarding those charges as they have never happened before and to ask why my card had declined. They assured me that they would reverse the charges and that nothing had declined. They said in 24 hours everything would be fixed. I waited two days the charges remained, I then reattempted to make a purchase on XXXX and then XXXX both declined. I then called customer service again, explained my situation and they told me they unblocked my card and it would work in 24 hours I waited and tried again. It continued to decline. In spite of the fact that they admit its their mistake they have done nothing to actually fix the issue. I had called them a total of three times with absolutely no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all 3 major credit bureaus Transunion, XXXX, and XXXX a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.
Product: Mortgage

US Bank, National Association Acct / XXXX XXXX US Bank is foreclosing on my home. After the foreclosure moratorium was lifted, was not given any loss mitigation options and they immediately applied for a sherriff sale date in XX/XX/2021. I was not given any loan modification options. My wife was laid off during the pandemic but now we are both working and we could afford to make the monthly payment if we are able to get a modification with an interest rate reduction. US Bank refuses to speak to me about loss mitigation or a modification.
Product: Debt collection

In XX/XX/2018 I sent convergent outsourcing a letter to verify a debt with XXXX of {$1900.00}, they have on my credit report. They sent a bill which is not valid proof or a signature of a contract that this debt is mine. The debt is not mine and Ive sent a request to them to delete the debt from my credit report from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX. XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX  : ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX : ACCOUNT NUMBER # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for a modification and OCWEN told me I wasn't eligible for a Modification but that I did qualify for a shared something or other. I was told by several other companies that I DID qualify for a modification, but at the time I was afraid of losing my home so I went with OCWEN 'S horrible horrible offer, I will never ever get my home paid for or be able to sell it to anyone because of the mortgage as it stands right now. I am to pay for years and years and years, 30 of them and at the end I still have a balloon payment of the XXXX that I currently owe, how is that possible or fair? Also, XX/XX/2016 they reduced my mortgage by XXXX and sent the irs a XXXX for cancellation of debt but then they added that same amount back into my mortgage. When I first had the loan servicing with Ocwen, my loan was XXXX now my mortgage balance is like 274,000.00 and I  don't understand why, I have asked them to explain it to me, I have asked them to fix the cancellation of debt because you can't have both, you can't cancel a debt and then add it back into the loan without fixing it with the IRS. Ocwen is also reporting negative things to the credit bureaus and I am current. I asked them to fix it and they just blew me off by sending me a payment history which is when I learned about the debt cancellation mistake. Plus there are all these fees that they charged for inspection and other things that have never been done. They have never ever inspected my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is acting fraudulently on behalf of Wells Fargo by not properly investigating my dispute proving that Wells Fargo had fraudulently misrepresented and reported payment dates regarding a collections account against me stemming from a 2018 fraud investigation I opened in which Wells promised to investigate for months and then closed my Credit account and sent to a 3rd party collections agency without my knowledge. XXXX  keeps closing my dispute and judging on behalf of Wells Fargo and when I ask them if they looked at my documentation they said no and when I ask them if Wells Fargo responded with documentation they told me that Wells Fargo does not have to and that they responded by saying their report to the Credit Bureaus is correct when in fact it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one outstanding auto loan with Ally Financial. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit reports.
Product: Debt collection

Legal action was taken against me by Wakefield & Associates, INC on XX/XX/XXXX and papers were served on XX/XX/XXXX. They 're suing me for a debt dating back to XX/XX/XXXX in the amount of {$720.00} on behalf of XXXX. I disputed this account with all 3 major credit reporting bureaus on or around XX/XX/XXXX. All three bureaus deleted the item from my credit reports after their respective investigations. I filed the disputes after noticing that the amount was incorrect and that they seemed to be charging interest on an old debt. I am now looking into legal aid for what steps to take against them as they seem to buy old debts that are at, near, or past the Statue of Limitations for collections and then file lawsuits to try and collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also StateXXXX that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling.
Product: Credit reporting or other personal consumer reports

I looked at most recent credit report on XX/XX/year> and noticed I have XXXX addresses I've never lived at and don't receive mail to on my experian credit report I called and sent letters on XX/XX/XXXX to remove these addresses and they refused saying that they are attached to inaccurate negative accounts on my report.i asked them to remove them and sent a copy of my most recent bank statement and driver 's license and they still won't remove the inaccurate addresses.i don't know what else to do can you look into this matter and have the following addresses removed from my experian report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received an email today from MOHELA stating I have a payment due even though Im on the save plan. MOHELA is providing inaccurate billing information.