23daVinci/CFPB_Complaints huggingface dataset:
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : OAG CHILD SU XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute certain information reported on my credit report, specifically related to the Firstsource account with account number ending in XXXX. I am asserting that I did not give written consent for this account to be reported or for my information to be obtained or furnished. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 1681e ( b ), my consent is required before my information can be reported or disclosed to credit bureaus. I did not authorize Firstsource or any other party to furnish or obtain my information. Therefore, the reporting of this account on my credit report is in violation of these provisions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

I've mailed several letters out to Equifax regarding inaccurate items on my credit report that they are reporting and I received a letter in the mail from Equifax stating that they received my request regarding my credit file but they are unable to locate a credit file for me. I have several accounts open and reporting on my Equifax credit file along with the inaccurate accounts they are reporting so I find it strange that they can't seem to locate a credit file for me as if I don't exist. I called Equifax and spoke with XXXX different representatives that both were able to pull up a credit file for me and also they both said that they didn't receive any letters from me which again is strange because if they didn't receive anything from me then why am I getting a letter from them about my recent request. Equifax has had me going in circles for months and no one at the company has offered me a resolution to solve this issue I'm having. I was told to fax the letters with my identification although I've already mailed letters certified. The representative I spoke with said its a big company and things get lost ; However it is no fault of mine and she also said she doesn't feel comfortable filing a dispute over the phone with me because they have an address on file for me from my home in California and since im not currently at home right now she can not file a dispute because my mail would go there. This makes no sense to me whatsoever and this huge mistake they are making has already cost me over {$250000.00} that I can not recuperate! According to the 15 U.S.C Sec. 1681i ( a ) if they can't provide proof, these accounts must be deleted. They have had XXXX days to complete the investigation and failed to do so on their end. The accounts I asked them to investigate are XXXX XXXX # XXXX, XXXX # XXXX, and XXXX XXXX XXXX. 
15U.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 a account without my written instructions
Product: Credit reporting

I have contacted Experian - repeatedly. I hired an Attorney to submit a Dispute Letter and Documents to dispute the item. This item has remained on my Credit Report - without Experian investigating OR providing me with a copy of the/any proof Experian had received to substantiate the item. 

I forwarded my 3rd Letter on XXXX/XXXX/16. I forwarded a copy of the same Letter to the XXXX Ombudsman.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be DELETED accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

We applied for a loan modification. After years we were denied. We have appealed the decision and submitted an entirely new package and we are currently under review for a loan modification. We live in the State of California and are protected under the Homeowner Bill of Rights from dual tracking. The HBOR restrictions on dual tracking foreclosure and loan mods prohibits mortgage servicers from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. In spite of this they have no placed in in foreclosure.
Product: Mortgage

As for the home situation I suggest going onto the CFPB website and filing a complaint. The first check sent was lost in the mail ( which is tough to place blame on anyone for ) but the second check, where I was told over a recorded line, would be sent in expediated mail to XXXX was cancelled when they received a letter from XXXX stating the policy was cancelled for non-pay. When they cancelled the overnight payment they did not reach out to you, or our agency to inform us about the cancelled check. We received a phone call today form XXXX asking if the policy was paid and active. The bank MAY try to force place insurance for the lapse ( that they caused ) which you should not be responsible for. You also should not be responsible for the increase in premium from the XXXX policy of {$1100.00} to XXXX of {$1400.00}. 

This is from my insurance agent. I couldnt say it better myself. please look into this. 

XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX after many attempts by XXXX XXXX branch manager XXXX XXXX and XXXX XXXX XXXX I agreed to move my business loan from XXXX XXXX XXXX too XXXX XXXX 
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XXXX XXXX XXXX made a business loan to XXXX XXXX ' XXXX XXXX XXXX in the amount of {$11000.00}. Secured by the property addressed XXXX XXXX XXXX, XXXX, Georgia and XXXX XXXX XXXX XXXX, Ga. 31201. Filed in the Superior Clerks Of XXXX County, Ga.
Book 1933 page 181. The same not was marked satisfied XX/XX/XXXX book 3267 page 10.
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XXXX XXXX Of XXXX County original note filed in the Superior Clerks Of XXXX County, Ga. XX/XX/XXXX book 5427 page 269 in the amount {$170000.00}.
<P/> XXXX XXXX of XXXX County, XXXX, Ga was closed by the Georgia Department of Banking and Finance, and the FDIC was named Receiver.
<P/>
All deposit accounts were transferred to XXXX XXXX and XXXX XXXX The banks name changed but the employees remain the same.
<P/>
My loan is up to date with XXXX XXXX and has been paid on time every month.
<P/>
The problem with XXXX XXXX formally XXXX XXXX is the beginning amount of the loan is more than the payoff amount made to XXXX XXXX XXXXk. The maximum amount borrowed from Trust Company Bank was {$110000.00}.
<P/>
There was one renewal with SunTrust Bank and the balance on the renewal note was {$97000.00}. I never borrowed any additional money on this note.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW!!! 

RE : Late Payment Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that my consumer report has been adversely affected due to an inaccurate late payment. I believe XXXX, XXXX, and Equifax are violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provides me with documentary evidence that clarifies this billing error.

16 CFR 433.1 ( i ) states that a consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with Regulation Z, you can be fined for giving false and inaccurate information. I do not consent nor give these consumer reporting agencies permission to furnish this negative information pursuant to 15 USC 1681b ( a ) ( 2 ). 

No law under the Fair Credit Reporting Act requires XXXX, XXXX, and Equifax to furnish negative information to my consumer report. Furnishing false credit information is a violation of federal law and a violation of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India 2017.
Product: Mortgage

First, I have been calling my point of contact with the executive office of Wells Fargo since XX/XX/XXXX and have not received a call back. That is over a month without being contacted back. Prior to this, I only sporadically heard from anyone - to include my home preservation specialist. Time is of the essence, I need assistance to become current and avoid foreclosure - and I can not get help because nobody will return my call. That is unacceptable. 

Second, I applied for the first loan modification we had submitted back in XXXX - XX/XX/XXXX and it did NOT include all sources of income we submitted for the application as a previous representative reported to me. First, XXXX XXXX, our first home preservation specialist, advised us to only put XXXX   income on the application for assistance and to send in ADDITIONAL non-borrower financial contribution sheets for XXXX ( wife ), XXXX mother and XXXX father who also lived in the household. That means THREE additional incomes were NOT included and they should have been, as rhag paperwork was sent in. While XXXX was unemployed, he was collecting both social security and VA retirement which equated to nearly {$3000.00}. XXXX worked full time with a monthly income of nearly {$6000.00}. Both XXXX parents contributed all of their income to the household which equated to nearly {$3500.00} a month. All of the supplemental paperwork was submitted for proof - I have copies and fax receipts. This means thousands of dollars of monthly income was submitted to Wells Fargo, yet not taken into consideration in the modification application. Why is Wells Fargo claiming none of these were sent and that only XXXX income was to be looked at? That is incorrect and lead to an incorrect loan modification denial ; which ultimately led to us filing for bankruptcy. Also, the application for assistance that has been uploaded on this thread for reference is blank. We did not send in a blank form. 

Next, we have submitted a new loan modification application for XXXX. I need assistance, as the reasons we were denied ; once again, are wrong. I have appealed this and sent in the proper appeal paperwork. There is several different incomes being reported. I am not longer in Chapter XXXX Bankruptcy and I am being denied a modification due to being in bankruptcy. 

Last, prior to the chapter XXXX Bankruptcy being dismissed, I tried to call and make a mortgage payment. I was told the bank would not accept another payment.
Product: Debt collection

I 've contacted  Senex Services and asked them to validate this account by providing a contract between myself and Senex Services, and if they 're unable to provide a signed contract to immediately delete this account from all of my credit profiles. I never received a contract as requested. Instead of a signed contract I received a bill with my HIPPA information from Senex Services, I have never signed anything to release my medical information to the company so therefore they should NOT have any of my HIPPA information. I asked that this account be removed from all of my credit profiles because I 've never had an account nor have I sign any contracts with Senex Services. Senex Services bo ught this account from  XXXX   XXXX   XXXX   XXXX  ( a medical account ) which is located in  XXXX , Texas, and along with buying this account they also received all of my personal medical records which is a HIPPA Violation. I want them to immediately destroy all of my personal HIPPA information and to delete this debt that has not and can not be verified via a signed contract from all of my credit profiles in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  $ All of these accounts were opened fraudulently after I put freezes on all 3 Credit bureaus. I also have a Stolen Identity Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I mailed out two disputes to the consumer reporting agencies and I have not received a response from them at all for either dispute. 

My first dispute consisted about 3 collection accounts that I was not aware of nor did I receive any initial communication from the debt collectors. The accounts goes as follows ; XXXXXXXX XXXX XXXX  [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ]. I demanded that they conducted an investigation of this unverifiable item and have them provide proof by submitting the USPS tracking number and the green return receipt bearing my signature 5 business days prior to furnishing such information. 

My second dispute consisted of a charged off account. The account goes as follows ; XXXX XXXX [ Account Number : XXXX ]. With this account, I claimed it was inaccurate due to the fact that the furnisher of information did NOT provide me with a written notice that they were going to furnish negative information on my consumer reports. Pursuant to section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act the furnisher of information violated my consumer right. In that dispute I demanded that the consumer reporting agencies request proof from the furnisher that they have provided such notice prior to furnishing or 30 days after. 

I am demanding that they delete all 4 accounts from my consumer reports as it is unverifiable. I also demand that they provide me a description of the procedures used to determine the accuracy and completeness of the information including all of the documentary evidence as described in 15 U.S.C 44 when they mail out the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im starting to grow frustrated with Experian, I sent over a police report last week via XXXX when I found out that I had become a victim of identity theft. 

I sent XXXX XXXX XXXX  a copy of a letter, police report, identity theft affidavit from the FTC & a copy of the FCRA 605b report & Experian responded with a letter refusing to block the information citing that the account had been disputed many times. Once I sent the dispute in 2020 stating that the debt was not mines & it came back verified I tried disputing the way it was reporting only for them to verify the information as accurate. After sending XXXX XXXX Bank a XXXX XXXX to receive everything pertaining to the debt such as a copy of the online application. It came back with an address that Ive never been associated with which validated the reason that I didnt believe the debt belongs to me. I had my proof so I went & filed a police report & FTC affidavit to have the information suppressed & just got an email from Experian all but accusing me of using a falsified police report to suppress the account. This is not only defamatory but also irresponsible because they refuse to do their job
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two inquiries on my Experian credit report. I sent the dispute by certified mail. Please see attached copies of date dispute was sent. I also sent certified letter directly to XXXX XXXX and they did not respond. Please see attached copy of the date that dispute was sent. Experian did not respond to my dispute within the 30 days timeframe per the FCRA guidelines. Experian must delete both inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX  XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I recently paid off a home equity loan with Navy Federal Credit Union. In order to pay off the loan they extorted an extra {$50.00} in fees that were never disclosed. The extra fees were not disclosed on the truth in lending statement or any of the closing documents. Navy Federal refused to remove the lien on the property unless these extra, undisclosed fees were paid.
Product: Mortgage

I refinanced my mortgage and Amerihome sent me my escrow refund and then cancelled my check in XX/XX/2020 because they claimed it was not properly endorsed. I have been trying to get a check reissued for almost a year now and they still have not done it. I have attached the stop payment notice from XXXX XXXX XXXX XXXX for the total of the check.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. 

But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX Brazilian reals. I contacted Western Union 's customer service to have this rectified, but was only told 1 ) transfer rates are subject to fluctuation and/or 2 ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually LOOK into the transaction and actually SEE what was indeed deposited. 

The deficient amount was XXXX XXXX reals, which is approximately over 6 % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. 

My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. This was Western Union incident number XXXX.