23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX has violated my rights. 

I looked at my XXXX, Transunion, XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX Transunion XXXX Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted 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

experian has XXXX XXXX as a negative
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a someone else 's XXXX  XXXX XXXX credit card account on my experian credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with experian and XXXX  XXXX XXXX. I submitted dispute to experian twice to have that account removed, both rejected with reason : " The company that reported the information has certified to Experian that the information is accurate. '' Called them multiple times, they always ask me to dispute this with XXXX  XXXX XXXX. I called and disputed this to XXXX XXXX XXXX too and got a reply of " we have reported correctly to experian please dispute with experian ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.
Product: Debt collection

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Credit reporting or other personal consumer reports

Citizens Bank and Im sure many credit card companies have capitalized off of crushing peoples credit through various tactics. This makes it so that they can charge more an interest. What happened to me was I was in the XXXX somebody else was handling my finances. I paid my credit card the minimum amount due it was a day, they were contacted and they explained that they would waive the fee. However they dont actually waive the fee. They just charge it into the next month being that I was in the XXXX  all that is known its a statement in the mail so the next month when they went to go pay the minimum due They were not aware that the minimum also included the late fee that they so-called waived making the amount more. This ended up causing confusion, and therefore only the minimum payment was paid in the amount of whatever the late fee was when 30 days past due, which crushed my credit utilization and crushed my credit score so that now I am stuck under very high interest rates with the inability to move it over to a personal loan should be allowed to do this and my credit should be fixed and I should be reinstated the amount that Ive been paying an interest due to their error and not reporting the amount due every month correctly and trying to hide fees when they say they are waving them it was explained to me after once the damage was done
Product: Mortgage

On XX/XX/XXXX I closed on the refinance of my home with Mortgage company Mr. Cooper. I was given 3 days to rescind if I was unhappy about any of the terms of the loan. I contacted my XXXX XXXX XXXX XXXX, to question the interest rate I was given because upon checking I learned that rates were lower than what I had obtained. He told me that he could not do any better than the 3.25 % rate that they were giving me. I spoke with another company who could. I expressed my dissatisfaction to him and exercised my right to cancel on XX/XX/XXXX. He called me a few days later to follow up with me regarding some escrow items. I shared with him that I have already submitted the Notice of right to cancel on XX/XX/XXXX. He then proceeded to say that he could beat the deal I was getting from the other lender. I asked why he had not offered me those terms in the first place. I told him I would not move forward with Mr. Cooper. 

In the meantime I applied for a loan with another lender who offered me 2.75 % with better terms than what Mr. Cooper offered. During that process, the title work was conducted and it was discovered that despite me delivering the cancellation to Mr. Cooper in writing per their specifications ; by signing dating and emailing the document called " Notice of right to cancel '' to them, they did not cancel the recording of the Deed of Trust. Therefore it appears that I have an additional mortgage that needs to be paid off. 

I asked my friend to assist me with resolving this issue, as she is more familiar with these processes than I am. On XX/XX/XXXX she contacted Title 365, who recorded the mortgage on behalf of Mr. Cooper via email. She requested that the lien be released so that I can move forward with my other lender. Title 365 has said that they have been asking Mr. Cooper to prepare the release so that the Deed of Trust can be released from county records and I can move forward with recording my new and correct Deed of Trust. It has been over 30 days since our initial contact. As of the date of this complaint they have not provided a release or any indication of when it will be available to me. In the meantime, my rate lock has expired once, and will expire again within the next 7 days. Title 365 has reimbursed me for the cost of the initial rate lock. However, as stated before, my lock will expire again if I am unable to close due to the lack of action on the part of Mr. Cooper I will be subject to additional expenses for the rate lock and or a higher interest rate. 

The notice of right to cancel states that If you cancel the transaction, the mortgage/lien/security interest is also cancelled. Within 20 calendar days after we receive your notice we must take steps necessary to reflect the fact that the mortgage/lien/security interest on your home has been cancelled This has not been done. Why is it taking them 30 plus days to prepare a release when clearly an error was made on their part. This is unacceptable and reproachable behavior on the part of Mr. Cooper.
Product: Student loan

On XXXX XXXX, 2016, I XXXX XXXX made several attempts to reach the account holder of my student loan Performant. After extensively waiting on the phone, I asked to talk with someone about reentering a payment agreement for the 4th time. I was in a plan in XX/XX/XXXX and made the call to make the payment and was informed that XXXX was not accepted nor checking account information, I made several attempts to call back and was never connected nor a call back as received so when I reached communication on XXXX XXXX, 2016, I was told that I need to make a payment of {$5.00} first to get back into the program, I made the payment and did not receive any further iinformation until a packet came on XXXX XXXX, 2016 iluustrating my calls and their attempt to put me into a payment agreement enclosed was a form to fill out for rehabilitation. I wwas pending a communication with your department regarding the issue so finally on XXXX XXXX, 2016 I had a discussion with your department regarding Performants process I was told they are following regulations and nothing can be done, I strongly expressed that they are not following the process and makes it difficult to be reached and make a payment. None the less I hung feeling frustrated and called Performant to try to see if I could work with them, I was connected to a rep ( surprised ) I told her I wanted to enter into a repayment agreement we proceeded with the process at the end she asked for ways to make payments I asked what format she indidcated debit, creidt checking account, I went to give her my checking account information for automatic withdrawals I told her that I talked with someone back in XX/XX/XXXX she clarified XX/XX/XXXX and I was told to make a {$5.00} payment therefore when I do get back into a payment plan the first one is made so why am I making a payment today she said because that payment was just applied to your account so I confirmed so it was a payment I didnt have to make and she agreed, i went on the tell her the communication of what occurred with that rep and once again i was miss informed of information. This company is not trying to help students with their student loans.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX # XXXX -BALANCE {$3300.00} Unauthorized inquiries 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: Money transfer, virtual currency, or money service

XX/XX/2019 Td Bank XXXX XXXX XXXX XXXX XXXX Case : XXXX To Whom it May Concern, I filed a dispute on XX/XX/2019 for the amount of XXXX. 

This transaction was debited from my account on XX/XX/2019 paid to XXXX XXXX via XXXX payment. 

This payment was for services that were not provided. The recipient acknowledged the services were not provided as agreed and offered a full refund which I accepted. The refund was never issued and the recipient stopped communicating. 

I have attached all supporting document for this case to be properly investigated.
Product: Credit reporting or other personal consumer reports

Im so confused and upset because this morning, my credit report showed accounts that dont belong to me. I regularly check my reports, and this is the first time Ive ever seen these errors. I even refreshed my browser, hoping it would fix itself, but the accounts didnt disappear. I need you to carefully check the documents Ive provided so I dont have to keep worrying about this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, P.C.,XXXX XXXXXXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX-efax, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a Ms. XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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

XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX Transunion and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023 I received an email from XXXX my account only has {$30.00} in it. PayPal withdrew an additional 5 payments of {$95.00}, This brings the total withdrawn amount to {$950.00}. The details are explained in case XXXX. As a follow up and additional information on this complaint I spoke with the merchant directly who contacted their accounting office and confirmed that they did not capture these 5 transactions and there was nothing they could do to assist by reversing anything.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/year> under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am following up on my initial complaint against Experian regarding the unexplained XXXX reduction in my credit score ( Complaint ID : XXXX ). Despite filing a formal dispute with Experian, they responded with the message : ITEM ALREADY MATCHES THE DISPUTE REQUEST. This response is vague, dismissive, and does not address my concerns about why my score dropped from XXXX to XXXX despite no negative activity being reported. 

The score reduction appears to stem from a Positive Activity : Loan Paid update from XXXX XXXX, which does not justify such a significant decrease. Furthermore : XXXX XXXX confirmed the loan was paid in full and reported positively. 
Experians handling of this matter lacks transparency and accountability. 
Their dispute resolution process has failed to provide me with a meaningful explanation or resolution. 

I respectfully request that the CFPB demand a thorough investigation from Experian to : 1. Explain why a XXXX reduction occurred despite no negative credit events. 
2. Verify that the scoring model applied to my file aligns with accurate and complete data.

3. Provide documentation detailing how this score change was calculated. 

Thank you for your attention to this matter. I hope the CFPB can hold Experian accountable for ensuring accurate credit reporting.
Product: Mortgage

I reached out on XX/XX/24 after my XXXX  was transferred to Shellpoint from SLS. My online portal was showing a monthly payment due that was {$350.00} more than it should have been. I had already made XXXX payments on the loan with my previous servicer that were calculated correctly. I was told a ticket was put in a would take 3-5 days. I received no response and have reached out several more times both through customer service and the online portal and still nobody has fixed the issue. They refuse to look and correct the monthly amount due calcuation which is objectively wrong based on my loan document which they have, my prior statements from the past servicer, and a simple calculation given all the loan terms that their own portal confirms. I am getting strung along and they keep " opening tickets '' but I am not being allowed to speak to anyone but Customer Service who can't fix anything. I have a payment due soon and I refuse to pay an inflated amount simply because they made an error and will not change the amount to match my SIGNED LOAN CONTRACT. This is illegal.
Product: Bank account or service

Regardless if a paycheck that 's a direct deposit every XXXX weeks like clockwork or if I deposit funds via the ATM early in the morning, even if the funds show pending in the account, if any transactions come into the account the same day, regardless if that 's the first time they are showing up, Wellsfargo will charge a {$35.00} overdraft fee for every item. 
I emphasize the funds show pending in the account long before any other items present, so Wellsfargo is deliberately changing the presentation of the items in order to get away with charging fees. 
On XX/XX/2016 my aunt 's account was already overdrafted by {$500.00} and I deposited {$1000.00} early that morning, long before the bank was even open for the day to cover that and any incoming transactions. Wellsfargo went ahead and charged an additional XXXX {$35.00} totaling {$140.00} during the day because new items presented to the account long after the deposit was made before the bank opened. 
Wellsfargo seems to do this every single time there is extra money in the account and if you call them at best maybe you 'll get half the fees refunded even if they promise you to refund all the fees. They claim they are not rearranging the presentation of the items, but they 've done the exact same thing on my own checking account. My paycheck is direct deposited every XXXX weeks, Friday morning after XXXX am, but if I happen to not have enough funds in my account and an item presents, guaranteed I will get a {$35.00} nsf fee. It 's guaranteed funds that you can set your watch to and it will show pending in the account, but Wellsfargo will still charge fees to steal as much of my money as they can get their greedy hands on.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies in my credit report regarding late payments. Upon review of my records, I have identified these erroneous late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response or satisfactory validation of these reported late payments.
Product: Money transfer, virtual currency, or money service

I have been contacting Albert since XXXX XXXX declined my transfer and my money still hasnt been added back into my account. Every time I reach out to Albert its always a different story about where my money is. I sent over the document that they asked showing that XXXX XXXX said they never charged the card because the transfer was voided out and the money was returned to the card ending in XXXX which is my Albert card but Albert keep saying its not there. Date was XXXX at XXXX amount is XXXX
Product: Debt collection

Company responded to previous complaint. Stating that they are not reporting on my credit report due to me not being in their system. Proving they can not validate the debt. I have attached proof of their reporting and the previous complaint.