23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX XXXX I paid off both my subsidiary and non subsidiary loans made out to the us department of student loans they were cashed but ed financial services never got the update and have been charging interest and sending me notifications since then I filed a complaint and was told through ed financial services that it would be solved within a month since then nothings been done and when I call student financial services they tell me its the us dept of educations fault when I call them they tell me its Ed finance service problem Im getting the run around and when I just called the complaints office for us dept of education they told me all three departments are all the same under one big umbrella and now my credit scores are being affected I dont understand why all Of this is happening In XXXX XXXX XXXX  the us department of education cashed my checks without any problem but never updated ed financial services
Product: Credit reporting, credit repair services, or other personal consumer reports

student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on
Product: Debt collection

Capital One, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, XXXX calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me
Product: Debt collection

I was contacted by a company called Niagra Capital Recovery and they gave a phone number of XXXX. They left a message stating that they went to my house to serve me papers and since I was not there the suing party was going to take action without my knowledge ( which I think is illegal - I think you must be served papers and that they make multiple attempts to do so ). If I did not call today they would get my wages garnished without my knowledge and it could result in jail time. They gave me a case number. I called the number and got voicemail which is very strange since I called XXXX and most debt recovery places are open until at least XXXX XXXX. I explained I wanted proof of the debt before anything happened but no one called back. I keep getting phone calls ( from what I think are the same people ) at my job and once they find out it is me on the line they just hang up. It 's kinda scary. I looked them up online and no legit business website exists and many have reported them as a scam. I pulled my credit report after and did not see them listed on there.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX  - XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I, XXXX XXXX, living human being/consumer, am submitting this on my own behalf. No third party is involved. Midland Credit Management failed to properly validate the debt pursuant to 15 USC 1692g sent on XX/XX/XXXX. They also failed to respond to my affidavit of truth, thus creating a fault. They committed FRAUD by collecting a debt not owed, and I have filled a complaint to the FTC for FRAUDULENT activities ( FTC Report Number : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I sent a checklist via US certified mail  requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX 9 items were requested and only 2 items were provided. 

My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Proof that this debt has not been written off as a tax liability. 

Any other intimate knowledge of the creation of the debt by you, the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I had made a payment to my car loan I have with citizens online, a few days later I had found out that they had taken out more then what they should have which left me in the negatives, I called citizens and I told the person I was on the phone with, they told me that it was my fault that I had to fix it because Im the one who did two payments I told that person that I just want my money back cus they made two transactions and she was so rude, and I told her I just wanted my money back cus I was supposed to have {$300.00} and something dollars left to bills, she told me that they would send a check that was going to be for the amount I make my car payments on. So when I got the check I put it in my bank to make that payment for my car loan and my XXXX XXXX  couldnt accept it because they told me the bank did something wrong and they had to fix it. When I called citizens to see what happend they told me my bank had the check so they had me calling my bank and citizens back and forth until I talked to someone that was able to help me and told me that the check was on its way back to them once they receive the check they would make the payment that I was supposed to have made, but when I called again citizens they told me I couldnt use the check because I didnt have enough funds in my bank so it wasnt valid so then i faught with them for days to see if I could skip that payment or if I could have go back to back of the loan and they said no. So now my credit has gone down hill because I was counting on that check to help me pay for that car loan and now I dont know what to do if you could please help me I would appreciate it thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent activity associated with my identity : 1. Fraudulent Account : XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have never had any association with XXXX XXXX XXXX. Please delete this account as it affects my creditworthiness. 2. A hard inquiry XXXX XXXX XX/XX/year> appears on my credit report, this inquiry is unauthorized, it is fraudulent, please remove from my credit report. 3. Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I never lived at this address, this address does not belong to me in a shape or form, please remove this address because it is fraudulent.
Product: Debt collection

A collection entry in my credit file appears without prior notification, and I seriously question the debt 's accuracy. Under the Fair Debt Collection Practices Act, I am formally requesting complete validation of this alleged debt to determine its legitimacy and potential impact on my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe there is an incorrect collections account reported on my credit bureau. I have successfully filed a complaint with 2 of the large bureaus using their on-line tools and call center. I have tried repeatedly to file a dispute with Experian but am unable to do so. I receive an error message on-line with direction to call an 800 #. When I call the 800 #, there is no option in the IVR to solve the problem. Instead ... they are trying to see me credit monitoring services. I looked online for other 800 # s to call. None of them were any use. 

So - I find myself in the odd situation that I'm unable to file a dispute because Experian has subpar consumer tools. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C.1681 section 602 ( A ) states I have a right to privacy.

15 U.S.C.1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish accounts without my writing instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX  XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Back on XX/XX/XXXX, I had two XXXX XXXX XXXX accounts ( XXXX XXXX Visa ending on XXXX  and XXXX XXXX XXXXX ending on XXXX  ). During the same month I had some fraudulent charges on my XXXX  account ending on XXXX. I reported it to XXXX XXXX XXXX. They closed the account and issued a new card ( ending on XXXX  ). I moved to a new address and that card never made it to me. Again, they canceled that card and re-issued a third card ( ending on XXXX  ). Thats the one I currently have.

Equifax has had INNACURATE information on my file since XX/XX/XXXX. According to Equifax, I have only one XXXX XXXX XXXX Account ( Visa ) ending on XXXX. I called them to tell them XXXX XXXX XXXX closed my XXXX  account ( because of fraudulent charges ). But they re-issued a new card ( now ending on XXXX  ). They said they have never received this new information. When I called XXXX XXXX XXXX about it, they ( XXXX XXXX XXXX ) said they have been reporting every month since then. I believe them because XXXX  and XXXX  do have the information right. Equifax is the only agency thats missing my new XXXX  account. They are conveniently omitting this information from my credit file. This happens to be my credit card with the highest available credit ( currently at {$1600.00} ) and with a credit utilization well below 30 % ( now at {$420.00} ). This is my fourth complaint about Equifax in the last six months. Thanks for your help CFPB.
Product: Mortgage

Mortgage Company Mr Cooper is arguing with me about Flood Insurance, My House is not in a Flood Zone and they Claim I need a new map From FEMA, but Original Map states I am not in a Flood Zone. They will not listen or talk about it the claim the only can accept stuff from FEMA. They can't Claim I am in a Flood Zone and are going to force me to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union received my dispute certified mail no. XXXX for a negative account listed on my consumer profile that was a result of fraud activities that should have been removed. They failed to do a proper 30 day investigation. Additionally I requested for them to NOT use the XXXX system and retrieve the police documentations and send it directly to the DATA FURNISHER for a 100% complete and accurate investigation.
Product: Debt collection

There is a XXXX account reporting through this company called Enhanced Recovery, I have disputed with nothing being received. Unknown and to owe {$1300.00} is crazy requesting validation
Product: Credit card

XX/XX/XXXX : I receive a statement to my old address on XXXX XXXX XXXX XXXX NY XXXX. It says that I am paying the minimum amount for a statement balance over {$3000.00} for an account that I closed and paid in full before closing. I call the bank and request for statements that might include actual transactions or charges to the account that are not just interests that I need to pay to the bank. The bank send me statements from XXXX XXXX. 
XX/XX/XXXX : I call the bank to provide statements prior to XX/XX/XXXX. They can not provide statements prior to that, and I am unable to check if any of the charges are fraudulent. I want to know what I am paying for. The statements from XX/XX/XXXX onwards are only interest charges.
Product: Money transfer, virtual currency, or money service

US Bank fails to correctly support XXXX. I setup an auto transaction and US bank sent me a confirmation email 3 days prior and when time came it was wiped out with no record. I called customer service and they they can say is that there is no record. Attaching confirmation email for setup if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Capital One Auto is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off account.
Product: Credit card

US Bank/XXXX changed the benefits on the card ( free night on award redemptions of two nights or more ), despite charging me a {$65.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX CREDIT 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 XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NAME : EMPLOYER : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX  XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a XXXX  listed on my credit report. I have a court-issued letter that clearly confirms this XXXX  should not have been reported to your agency. Despite this official documentation, the XXXX remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  XXXX  and transunion regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Product: Checking or savings account

It was back in XXXX they kept charging me overdraft fees and I wasn't overdrafts any thing.they kept charging me for 3 months that went on at the branch in XXXX XXXX XXXX XXXX XXXX XXXX I had direct deposit and every time I got paid I was missing about XXXX every pay period for about 3 to 4 months til I closed account
Product: Mortgage

You r group ( CFPB ) has been absolutely no help with this ordeal. Wells Fargo has used deceptive and fraudulent business practices yet you allow this behavior. When I was approved for the modification 2 years ago, I had to hire an attorney at a cost of {$700.00} because they  approved me for modification and refused to honor the approval to allow me to pay. I had to hire an attorney to force them to honor their approval but it cost me an additional {$700.00}. In addition they increased my payments to the point where it made my payments unreasonable. My payments increased by over 40 %. They have tried to fraudulently speed up the foreclosure by stating I abandoned the property which was a lie. They cited my electricity was turned off which was a lie. They continuously leave these abandoned notes on my door an d on 2 occasions left posted abandonment notes on my door for my neighbors to see. This is a government secured loan and they know they will get paid in full if they simply foreclose. They are stealing from taxpa yers by using deceptive and fraudulent business practices. I will write my local government representatives including  the White House as to the effectiveness of your organization assisting me with dealing with Wells Fargo. Wells Fargo has   made this entire process stressful and now I will now lose my home because of their actions. I have proof and documentation of their illegal behavior at forcing me out of my home.
Product: Debt collection

A summons was delivered to my home in XXXX from Gulfco aka Tower Loan. The woman who delivered the summons stood in my driveway and took photos of vehicles in the drive as well as my home. This loan was unsecured and I feel as though taking the photos was a scare tactic on behalf of Gulfco aka Tower Loan. I never received a debt validation letter from this company and feel they have breached my rights under the FDCPA by not doing so. I didn't get a copy of the original loan documents until the date of our first court appearance in XXXX. This case has been continued until XX/XX/2023 due to me countersuing them for the above reasons along with other violations of my rights under the FDCPA
Product: Credit reporting or other personal consumer reports

Company XXXX XXXX XXXX  is repeatedly refusing to remove this account off of my credit record. It has been over XXXX years old due to statute of Limitations in the state of NC which is 3 years from last activity on the account. I have disputed this several times in the past. It is showing a late payment and is hindering my credit and basic life of living when it comes to making purchases. I have disputed multiple times through XXXX.
Product: Mortgage

I am writing yet another complaint against Wells Fargo Home Mortgage. Recently I asked Wells Fargo about a mortgage modification packet I submitted in courton XXXX XXXX, 2011, via their attorney XXXX XXXX, an employeeof XXXX XXXX XXXX XXXX. I submitted the documents in court because I wanted a record of the documents being submitted. I even went as far as asking the Magistrate if the Attorney could look over the documents to make sure everything was filled out correctly which she stated, " It appears so. '' The Magistrate gave Wells Fargo 100 to 120 days to complete their end of the dealbut they never did. After numerous calls, I was told that it was lost and to just fill out another packet because it expired anyway. Now, Wells Fargo is stating that they never received any modification documents from their Attorney and that I never submitted any documents in court so my question to you, Wells Fargo, is, how do you explain the journal entry from the Magistrate that clearly states that I submitted documents for consideration on my mortgage modification? 

My next questionpertains to XXXX XXXX 's signature on my mortgage papers. When Wells Fargo purchased my loan, the paper work was signed off by XXXX XXXX, the XXXX of XXXX XXXX XXXX , XXXX . I 'm not surethat signature is authentic. After reading about Wells Fargo 's ex-employee XXXX XXXX XXXX, while in a New York Bankruptcy court, openly admit to signing XXXX documents for Wells Fargo, It further solidified my thoughts aboutXXXX signature on my mortgage documents.After seeing what I believe is an authentic signature of XXXX XXXX, Ithink the signature on my mortgage documents is a fake. I believe I am in possession of XXXX authentic signature and it looks nothing like the signature on my paper work. I am not going to submit a copy of the court document since I do n't have XXXX permission but I will submit a document to show how I came into possession of XXXX signature.I also read your manual on creating missingdocuments and frankly, I 'm appalled.Can you verify that XXXX XXXX 's signature is authentic? Can you show proof like another document withhis signature on it? I 'm sure my mortgage was n't the only mortgage purchased from XXXX XXXX XXXX , XXXX .