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

I took loan from Mariner Finance. Due to loss of income in house this loan wen past due. In XXXX this account was moved to collection/ Lawyer. 

I dealt with Law office and paid past due amount in XXXX and since been making payment with law office. 

Company is reporting this loan in collection instead of paid as agree. 

I called XXXX office - as suggested by their lawyer- and are not ready to listen or make changes.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to your credit bureau. 
Please remove this account immediately as Im taking legal action as my rights are being violated. This creditor used this account as a tax write off in XXXX which in turn makes this considered income and they are continuing to report false information I would like this creditor to send all documentation pertaining to this account. Now that Im calling them out on their inconsistencies They are Lieing and making an assumptions like this manager XXXX said Im trying to remove a defaulted loan, when its not a defaulted loan as they have already used this account in XXXX as a tax write off, all their doing now is continuing to furnish my information which is a violation of my rights I have asked them multiple times, with no response until I contacted the state attorney then they responded with what theyre saying now which is lies and fabrication of the truth they have never sent me a 1099-C form in XXXX cause in XXXX they were still reporting this account to my credit report, they are now falsifying documents which I have now with incorrect spelling an also no verification and validation documentation I requested only when I contact the state attorney and cfpb they will respond. They continue to violate people/consumers rights as the people/consumer are not educated on the rights they have. But now I know my rights and I will continue to fight until they remove this and stop reporting to my consumer reports. I asked them to remove my information.
Product: Mortgage

I submitted a request to close my escrow account on XX/XX/year> and followed the instructed method by submitting a handwritten signed request via email. Additionally, a customer service representative told me that he also submitted a request for me. I received an email from Newrez acknowledging receipt of this request on XX/XX/year>. The website says that it can take up to 30 days for a removal of my escrow account to process. Today is XX/XX/year> so it has been well over the 30 days. I have called in for an update at least 4 times and was told they will expedite this up to the escrow department but I still have not heard back. My next payment will be withdrawn on XX/XX/XXXX and will include funds that will be deposited into my escrow account which I will now need to wait for the company to return. Once my escrow account removal is processed, I now expect my return of funds check to be express mailed to me due to the inconvenience that this has caused.
Product: Credit reporting

I 've been getting several alerts in regards to me applying for credit with various companies that I have n't applied for credit with. I contacted TransUnion and explained about the inquiries that I did n't authorize. I was told that an investigation will be done. However, I have n't heard from them and I want these inquiries to be removed immediately. I was recently working with XXXX and after I was n't satisfied with their services I ended the relationship. Every since then I 've been getting inquiry hits after hit. I have a fraud alert since I am a victim of identity theft and none of these companies have called me to confirm if these are in fact me applying for credit as I have requested. Please find the screenshots and the listing of the inquiries below. 
1.XXXX-XX/XX/2016 ( Have Proof From Company That Inquiry Should Be Removed ) 2.XXXX-XX/XX/2016 3.XXXX-XX/XX/2016 4.XXXX Card XX/XX/2016 5.XXXX- XX/XX/2016 6.XXXX-XX/XX/2016 I 'm requesting a security freeze since the notice on my bureau is n't being honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT I was notified that someone is trying to collect unemployment benefits in my name. I am unable to put a credit freeze on my Equifax account or see my credit report. I notified XXXX and XXXX and put a credit freeze on those accounts. Equifax makes me answer four security questions in order to freeze or access my account, and none of the questions that are asked pertain to my account. I have an Equifax login and password, but these don't work anymore. I'm unable to reach anyone at Equifax who can help me. The only live humans who answer the phone are call center representatives, and they can not help unless I provide them with the entirety of my personally identifiable information, including my SSN. Im not comfortable providing this information over the phone, and the three representatives I spoke with weren't helpful or responsive at all. I asked for a supervisor and was told Im not able to talk to one. I have been trying for two days to put a freeze on my account. Equifax has now locked me entirely out of even attempting to access my account. Equifax only gives me the option of mailing sensitive personal information, including my Social Security number, and states that they will mail the report after receiving the information. There is no information about when I can expect a reply. Mail theft is rampant here due to COVID, and I do not feel comfortable mailing this information to Equifax. I can not find any other person or solution there to help. I consider this to be an urgent situation. I was able to easily place security freezes on my XXXX and XXXX accounts. This is egregious behavior on the part of Equifax and contributes to perpetuating fraud. 

Tried multiple times to access via website and XXXX Called XXXX Called 3x between XXXX AXXXX and XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 Called XXXX Called XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

US bank is both the lien holder, servicer and investor in my XXXX home mortgage ( confirmed with them ) I lost my job on XX/XX/2018. 

I used my severance to pay Mortgage / Property taxes  and did not get a new full salary check in my new position until 1st week XX/XX/2018. 

I fell behind two payments of {$3500.00} each. 

I applied for a forebearance and hoped to have the loan modified in some way. 

To date ( XX/XX/2018 ) US bank has declined to modify the loan and instead " offered '' a 3 month accelerated repayment plan of over {$5800.00} to be paid XX/XX/XXXX, XXXX, XXXX I had to turn this down as I only have about $ XXXX/month disposable income after paying all my bills. 

U.S. bank knew this in XX/XX/2018 when I applied. 

I appealed their repayment plan and denial of loan modification by XX/XX/XXXX IN WRITING as there letter to me instructed. 

I'm Waiting to hear from the appeal ( as of XX/XX/2018 ) I called US bank MAP ( mortgage assistance point today ) My Complaint In the middle of trying to a loan modification ( XX/XX/2018 ) I received a letter from US bank saying they were setting up an escrow account into which I was to deposit about $ XXXX/month to cover home insurance and property taxes. 

My loan note with them EXPLICTLY says " no loans or impound accounts '' and I will pay the property tax as I have done so far. 

I want this escrow account suggestion withdrawn. 

They have made the situation more complex as I was UP TO DATE on all home insurance payments with XXXX ( XXXX ) and yet they paid the full 6 months insurance even though I'd already paid 2 months WITHOUT my knowledge or consent. 

US bank refuses to conduct business via email and insists on telephone conversations. Im guessing to avoid paper trails. 

I have written to them and asked they shut the escrow request down and fix the home insurance mess they created.
Product: Debt collection

Actions of these dates started XXXX XXXX  and was notified of this matter XX/XX/23. Companies involved and failed to notify me of this debt are FRONTLINE ASSET STRATEGIES and XXXX XXXX XXXX XXXX. I want this to be resolved and corrections on my credit report for which I want the Derogatory Remark off my credit. I was never notified of this debt by either Email, Phone call, or Mail correspondence. This is clearly a violation Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts, and Servicemembers Civil Relief Act ( SCRA ) : for XXXX XXXX, the SCRA provides certain protections for service members in regards to financial obligations and contracts. I am a member of XXXX XXXX and was XXXX to XXXX and XXXX from XXXX. This interrupted my benefits guarantee from the Department of Veterans Affairs and XXXX XXXX which was VA home mortgage loan with the extra benefit that was supposed to be given to me being a XXXX XXXX  Veteran with an lower APR interest than Regular VA Home mortgage loan. FRONTLINE ASSET STRATEGIES has refused to solve this matter even after I settled this amount and paid in full and XXXX XXXX XXXX XXXXXXXX refused to assist to accessing my account due to being closed, However, I did switched to another company and couldnt remember my access code to XXXX XXXX. I hope this message finds you well and I hope there is a resolution for which I was never notified of this debt for the whole 2 years from either FRONTLINE ASSET STRATEGIES or XXXX XXXX XXXX XXXX This has caused a crisis on my credit report and was handled so poorly and neither party was able to accept accountability for not informing me. For a veteran that has served honorably I dont think I deserved this and would like this matter to be solved as quickly as possible, so I can proceed with the transition of purchasing a home. Thank you so much and thank you for your time.
Product: Mortgage

XXXX XXXX XXXX transferred my mortgage to Selene who seem to manipulatively trying to take my property by giving limited information, notices, and now threatening with an intent to accelerate. I received my first notice on XXXX but could not make a payment until XX/XX/XXXX due to large unpaid paid utilities bills due to XXXX XXXX, so I attempted to make a payment ( XXXX ) XX/XX/XXXX, but could NOT make a payment on their website without paying over {$5000.00} which was a number I had never even seen before. So the system would NOT allow me to make a payment at all only pushing me further XXXX past due. 
Next, I receive a certified letter on XX/XX/XXXX ( a XXXX XXXX XXXX XXXX  later ) which threatens intent to accelerate if not paid in full within XXXX XXXX of the date of the letter and the date of the letter is XX/XX/XXXX so thats less than XXXX XXXX! They are greedy, aggressive and manipulative in their strategies to keep me past due. They mentioned a loan modification and for me to apply with XXXX XXXX XXXX XXXX XXXX ) which I completed applications with both and submitted all requested documents.
Product: Credit reporting or other personal consumer reports

I am formally disputing fraudulent charges reported by XXXX XXXX XXXXXXXX on my credit report. The account in question reflects unauthorized transactions that I did not make or authorize. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian conduct a thorough investigation and verify the accuracy of this information with documented proof, not simply an automated verification process. Additionally, under 15 U.S.C. 1681s-2, XXXX XXXX XXXX XXXX as a furnisher of credit information, is legally required to provide accurate and complete data. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly handle consumer disputes and verification procedures, I demand that Experian provide a detailed explanation of the method used to verify this disputed information. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request : 1. A description of the procedures used to determine the accuracy and completeness of the disputed information. 2. The name and contact details of the entity that verified the disputed charges. 3. Copies of any documentation relied upon for verification. If Experian is unable to properly verify the legitimacy of these charges within the 30-day period required by law, I request that this fraudulent information be permanently deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). Enclosed, I have included copies of police report. Please provide your response in writing. Thank you for your prompt attention to this matter. I expect full compliance with federal law and look forward to your resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about my address being incorrect.
Product: Debt collection

I recieve calls just about every hour. I recived 7 calls on XXXX XXXX, 2017. This is just one example. There are many more examples. I recieve these repeated calls even after i talk to them as to when i am sending a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite a deletion of a derogatory item ( collection ), despite my avaivblile credit moving to 100 % and despite $ XXXX in student loans being paid in full and closed ; my credit score dropped 32 points. For absolutely no reason. The aforementioned things all occurred in the same week and instead of it improving my score it dropped it 32 points. This must be an error and needs to be corrected.
Product: Debt collection

I acquired my credit report and asked ProCollect Incorporated to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2023. Its been well over 30 days in which ProCollect never responded. I submitted a complaint through the CFPB, and ProCollect responded that they sent me a validation letter the prior month in XXXX, which I never received. Here 's my complaint number : XXXX. At this point, this issue has ba very frustrating thing. At this point ProCollect has been displaying bad business practices. I will attach all documents in which I have mailed along with dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or 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: Vehicle loan or lease

I sent certified mail several qualified written requests for proof of debt as of XX/XX/2019, I have evidence that ALLY BANK is not the owner of the debt. I was ignored, and they did not respond, I then sent a declaration of fraud. The vehicle has since been repossessed on XX/XX/2019 and reported the credit reporting agencies. 

I am requesting the perfected instrument of debt, that ALLY BANK is the rightful owner of the debt, and I will pay the debt in full. 

I have not received any official documentation of the sort to date. I have evidence of all the written and final written request and repossession.
Product: Credit reporting or other personal consumer reports

I requested a copy of my free annual credit report and seen inquiries on it that I did not give my permission.I was shocked to see them, this is against the FCRA laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Wells Fargo ( EIN XXXX ) erroneously charged a {$14.00} fee on my monthly checking statement. I have the paperwork and documents opening the account, which I have had for years, which clearly states this is a NO FEE account. 

I have repeatedly asked Wells Fargo to reverse this fee. My request has fallen on deaf ears. 

Please help. 

The fleecing of Americans must stop now.
Product: Money transfer, virtual currency, or money service

I made payments to two friends on XXXX through my cash app on my phone. I got messages from both friends that in XXXX the XXXX payments were being refunded. I asked support why there was a refund being processed I did not request this. They tell me that my bank is the party requesting the funds be returned. The web receipts showing refunds that predated when funds were taken shows XXXX but was not done until after XXXX and the others show a refund was due but not received shows money being pulled from my account to cash app, but my bank has no record of this transaction see statement. My bank cant request a refund for something it never dispersed in the first place. I have asked them where the funds are? As I have not received the funds back in my bank nor my cash app balance. The people at cash app have taken the money from my friends linked bank accounts in their cash apps, my friends have notified me they have had funds removed from their banks and the funds are not back to me. XXXX not sure what happened but its not ok to take money from my friends account. There was a glitch in the system that day when I tried to load funds I closed the application and restarted it and it worked funds were available in the application but in reality funds were never actually added from my bank to cash app but were available to use. So I used them. Cash app had a banking error or a glitch with the system. And I dont think its ok for them to take money from people who dont even owe them the money. If anything I owe them money not my friends! But I have added bank statements web receipts screenshots of messages with the agents. These all show no cash app payments were made from the account on the days in question but cash app keeps claiming its my bank. Its just fishy that banks do business quarterly and it just so happens to be right about the time they would be checking finances. I think someone caught the error and wrongly tried to fix it and blame it on me my friends and my bank. This is not ok. Ive been told numerous times by agents that it is my banks who is doing this and I am saying that is not the case my evidence shows otherwise. I would like to know where the funds are so my friends can be repaid the money they are owed that was taken from them three months after the fact! The evidence shows they are back dating things and messing with things they shouldnt be. I also would like to see them admit their error and simply fix it, write it off as an error, refund my friends their money. You cant as a company who deals with mainstream banking just behave like this, taking money from the little people and only notify them three months later and just take money out of peoples linked bank accounts. This is not ok and makes me not want to use cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to XXXX  and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my credit report and my wife were pulled without our consent and approval. I had filled out an application for a mortgage loan on XXXX the following day XXXX I had canceled the request for the mortgage loan. 10 days later after this request was acknowledged KBHS Home Loans pulled my credit and stated it was for use on another loan as my wife and I were listed as co-buyers.