23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. 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 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 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, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 
All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 
This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

On my Capital One XXXX XXXX XXXX Statement there were XXXX charges I did not make. XX/XX/XXXX and XX/XX/XXXX, both for {$130.00} at XXXX XXXX XXXX VA, XXXX, XXXX. I contacted Capital One and they said they said they would launch an investigation. On XX/XX/XXXX I received a letter that said there was insufficient evidence of fraud.and I was responsible for the charges. When I called again they told me it had to do with the chip on the credit card.I think they could have put more effort into the investigation.
Product: Mortgage

In XX/XX/ a unidentified woman came to my home and handed my XXXX yr old son a piece of paper, it was a copy of the original that stated my home was going to be foreclosed. She wouldn't give any information. I XX/XX/XXXX the lawyer listed on the bottom and called his office several times with no success. 
Again in XXXX a lady brought the same paper with a new date and handed it to my elderly mother and again would not give any information. I started receiving phone calls and letters from different companies asking if I needed help I did reach out to a lawyer and then another one to see what to do and if I needed legal help. It was very difficult for the lawyer to find the attorney listed on the letter as well and he had no luck getting in touch. We found his company and sent an email, no response, I called several times and 1 time spoke to a lady that said he was out and to email him. No luck. 
In my email I had asked why I had not been sent a certified letter containing information about what was happening. A few weeks later I received a certified letter with the exact same letter and a new date of foreclosure. 
XX/XX/ I have a lady showing up at my home telling my elderly mother she bought the house we need to be out in 10 days and she will give us money to move.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO BANK ACCT # XXXX they are breaking Federal law. I've reached out regrading this matter multiple time. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states : the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Wells Fargo is violating my consumer rights.
Product: Debt collection

It 's been an ongoing issue with Carter-Young, the employees are very rude, unprofessional, and dishonest. The owner XXXX XXXX, has refused to send me requested documentations to settle an XXXX XXXX XXXX debt. I 've requested to have this debt removed off of my credit report, because the owner refused to send me a letter stating that he would have it removed off of my credit after paying. I 've disputed this debt and they are not removing it. This debt is now XXXX XXXX XXXX and past the date to have it removed off of my credit and they are still refusing to have it removed, which is breaking collection codes, and it 's causing me stress, and hurting my credit score. I am in the process of hiring an attorney to handle this if I ca n't get it resolved.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 3 attempts to receive documentation pertaining to the investigation that TransUnion conducted as part of their practice to investigate and validate any collection reporting on my credit. TransUnion has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding TransUnion to provide me with and yet TransUnion has failed to provide with with such proof. TransUnion has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX  XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/17 I dispute I filed with Paypal was elevated to a claim ( XXXX ). Paypal has since closed the dispute and refused to refund money according to their policy.
On XXXX/XXXX/17 I purchased an item on XXXX via Paypal. The seller provided 2 tracking numbers over the next few weeks in response to queries about why it had n't arrived.
The seller provided 2 tracking numbers to me : 1 ) on XXXX/XXXX/17 - DHL : XXXX ( XXXX XXXX XXXX ) 2 ) on XXXX/XXXX/17 - USPS : XXXX ( XXXX XXXX XXXX ) Later, USPS sent a letter to confirm whether I had received the item. I had not and replied to their letter on XXXX/XXXX/17.
Paypal closed the claim, asserting the tracking number provided by the seller confirmed the item had arrived. I called Paypal and had the claim re-opened. Subsequently they re-closed the claim, once again asserting the tracking number confirms delivery ( it does n't ).
Product: Mortgage

My husband and I bought a home a year and a half ago. It is a manufactured home on two lots. The home is married to the land. There is no tongue or wheels left on this home. It is a part of the real property. We had to go through a financial institution that finances just Manufacture Homes. We were charged a higher interest rate because of the type of home we purchased. I understand interest is a fee that a borrower pays a lender as compensation for the risk of loaning that money out. I know there are factors in determining the interest rate. Our credit score was over 800, we had a down payment, the amount to borrow, and the period of the loan. All this to get to the struggle I have with this. I think the system is broken. Why do lower income families have to pay more interest in paying for a home than a higher income family. They tell you to make extra payments on your home. Well that is well and good if you had that extra income to do that. There are many more people out there that have this same issue. But just accept it as it is what it is. It seems like our nation will do more for those that are not citizens than those of us that are American Citizens.
Product: Money transfer, virtual currency, or money service

Cash app never aloud me to speak with anyone directly about my money.. that have let companies I didnt not allow to take money from my XXXX
Product: Mortgage

I received a HAMP Loan Modification from American Servicing Company on XXXX XXXX, XXXX in the amount of {$2200.00} monthly payments. I complied with the trial period payments and made my payments on a timely basis ( see attached Exhibit dated XXXX XXXX, XXXX ). 
In XXXX XXXX, XXXX I was sent a list of Judgements/liens that were found on the title. I immediately started working on having them removed. I notified American Servicing Company throughout the process of getting them removed and continued to make my trial payments. I spoke with the title department of American Servicing Company on several occasions regarding each lien that was removed. On XXXX XXXX, XXXX I received a letter stating that I had been removed from the modification review because of the title issues. I appealed the decision ( see attached Exhibit dated XXXX XXXX, XXXX ) providing proof that the liens had been satisfied. Even after this appeal, American Servicing Company still removed me from the HAMP Modification Program. 
I spent numerous hours and phone calls going over this issue with American Servicing Company. They advised me to submit a new application.When I submitted my application again on XXXX XXXX, XXXX, I was told that American Servicing Company on XXXX XXXX, XXXX had developed a new policy that if a property had been in foreclosure for more than 3 years they could no longer be considered for a modification. I advised that my paperwork had been faxed in the month of XXXX and I was told that unless an intake interview had been taken before XXXX XXXX, XXXX, I still would not qualify. I have not received any communication from American Servicing Company informing me of this new policy that they have adapted. 
I do not think this new policy that American Servicing has adopted is outlined in the Hamp Guidelines and so I am appealing to the Consumer Financial Bureau to investigate this lender and my case because the lack of communication between their title department and their modification department played a big part in the reason why they did not know that the liens had been satisfied and I should have been granted the final modification.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report and noticed someone applied for something in my name resulting in multiple fraudulent credit inquiries. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Student loan

XXXX, My name is XXXX XXXX XXXX, and I had an account with XXXX XXXX who then reassigned me to Navient. During my time with XXXX XXXX I was told to go into forbearance, instead of income based repayment.I was also not disclosed the long term effect of doign what they suggested. I was then in forbearance with XXXX XXXX and Navient. I have been able to make payment, however I notice that I would only need to pay every other month. I found this concerning and placed a phone call XX/XX/2016. I was told it was glitch in their system and not to worry that my payment was not due for another month. This happen over the course of last years. Also, review the amount I am paying interested is outstanding. At, this point I am concerned with the way my account is being handle and how my payment are I applied. 



XXXX, XXXX
Product: Mortgage

I have been trying to receive mortgage assistance from Wells Fargo since XXXX 2015. My wife and I had a terrible hardship with our children and expressed that to the lender with our loan modification request and documentation. We were strung along for 6 months falling more behind to be told that our income was {$4600.00} and insufficient, totally untrue! At the time of this mod request I sent over my XXXX unemployment income and my wife $ XXXX monthly income ( XXXX contribution ) she is not on the loan. That 's {$6800.00} in income with about {$5000.00} in expenses, a {$1800.00} surplus. So I appealed that decision with updated income since I started back to work with current paystubs from my wife and I. Our income between the both of us is over $ 10000 monthly and we were yet denied again. With no explanation. So now Wells Fargo could n't say our income was insufficient because it was n't. So instead Wells Fargo gave this vague response : " After carefully reviewing the information we currently have, we have determined that you still do not meet the requirements for a loan modification ''. That explanation is not acceptable! This lender is XXXX % the reason we are $ XXXX behind because they have wasted so much time with not trying to help. I have been misdirected and misinformed by XXXX different Wells Fargo dept whether to send in payments. I got a different answer from all XXXX dept when I asked can I still send payments. It seems Wells or the investor is looking at a better market and equity in my home and is not willing to help. You can hear and feel it in most all conversations with them. We feel this lender is not being forth right. I called the executive office today and was told that there was nothing they could do, I was trying to set up a repayment plan because we make the money and they said they could n't do that giving no explanation. This lady said that we had exhausted all our options. Are you kidding me, absolutely no help at all from Wells Fargo. We are good educated people who went through a tough time and just need a little help to bring the mortgage current. They have not put ONE plan in front of us to do just that. So at this point we want to make a formal complaint to CFPB regarding Wells Fargo mortgage for : Unfair Business Practices, XXXX Fair Debt Collection Practices Act, Violation of Cal. Civ. Code 2923-2924.5 ( Ca Homeowner Bill of Rights ) and /or Breach of Contract. We want this lender and investor to offer us at least XXXX reasonable 6 month plan to resolve the delinquency, if not a loan modification. We are reasonable people who is not trying to live for free. We want to pay the mortgage, we just need Wells Fargo to accept the payments. Please help and thank you for listening!