23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, postmarked the XXXX - I received letter in the mail that XXXX XXXX was selling my loan to XXXX XXXX. I was all set up with automatic payments for my mortgage so the money was withdrawn to my account and sent to stearns. I logged into the account to see what was going on because of the letter and my balance showed XXXX, i called into XXXX to set up my recurring payment with them on XX/XX/XXXX which is a week after the loan apparently transfered. XXXX  couldnt find my loan anywhere, I called Stearns that same day to confirm and they said give it another week we show a XXXX balance and that its transfered. I call back on the XXXX and XXXX still doesnt have my account, also at this time i get an automated call from stearns to call. So i do, the automated system tells me I am past due on my XXXX payment. So i speak to representative who says that i am past due, but i tell her that I received two letters about a transfer of loan, and last week I was told by customer service that it was transferred. She says that is not correct and you are past due, I stated that Stearns collected the money and it is shown in my bank account as withdrawn and cleared. I was told to provide documentation of this transaction, so I did. They confirmed the received the payment and had sent it over to XXXX but in that time cancelled the transfer. I asked why then is my account showing past due and why am i getting collection calls - they stated they cant cancel until they get the money back from XXXX. Over the next two weeks i called a total of 6 times each time having to spend 45 minutes to an hour explaining the situation, I finally was able to stop the calls. I made my XXXX payment and then was notified again that my loan was being transferred to XXXX, so now I am here again with a mortgage payment missing somewhere although i paid it on time, and now XXXX  shows me as past due and wont address until Stearns issues the payment i had made to them when i was still in their hands ... 3 months of stress, 12+ hours of calls with people now knowing what they are doing and the end result will most likely be that I show i dont pay my mortage on time even though i do
Product: Vehicle loan or lease

North Carolina States Employees Credit union is illegally reporting false information on my credit report. My bankruptcy discharged this debt XX/XX/2019 case XXXX My car was discharged XX/XX/2019. 
This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan, and personal loan. All accounts are reporting late pays since 2019. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the unauthorized sale and reporting of the XXXX XXXX XXXX account ( # XXXX ) on my Equifax credit report. This account was sold to a third party without my consent, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from my credit report and seek an investigation into this unauthorized action. 

Issues Identified XXXX. Unauthorized Sale of Account : The XXXX XXXX XXXX account has been sold to a third party without my knowledge or consent. This unauthorized action is a breach of my privacy and violates my rights as a consumer. 
XXXX. Inaccurate Reporting : The account continues to appear on my Equifax credit report despite the unauthorized sale, contributing to inaccuracies and potential harm to my credit profile. 

Violations and Impact The unauthorized sale of my account and the continued reporting of this account without my consent violate the FCRA and my privacy rights. This action has caused undue stress and potential harm to my creditworthiness, as it involves the unauthorized handling and dissemination of my personal financial information.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The unauthorized sale and reporting of the account without consent violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The unauthorized sale of my account without my consent is a direct violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure or dissemination.
Product: Mortgage

Loan sold to Green Tree Mortgage. I was unemployed, received unemployment payments from the government and able to verify yet Green Tree never would approve my loss mitigation paperwork. Instead paperwork was ALWAYS lost and reps could never help or even tell me the same information twice. I began the loss mitigation progress with Green Tree XX/XX/XXXX. My loan was then changed to DiTech XX/XX/XXXX. DiTech said they did n't know I was in the middle of trying to modify and I was called 5+ times per day requesting payment in full. Again, I was unemployed and could verify this. I restarted the loss mitigation process again XX/XX/XXXX with DiTech. Like Green Tree, same run-a-round, my paperwork was lost and at one point in XX/XX/XXXX I was verbally approved for a repayment plan though I never received any letter in the mail. The next time I called, that rep who verified the payment plan no longer worked there and no one had any knowledge of me being approved for repayment. I then restarted the loss mitigation process XX/XX/XXXX and was recently told verbally that a letter was sent to me in XXXX stating my package was incomplete. I NEVER RECEIVED A LETTER. So here I am in XX/XX/XXXX restarting the loss mitigation process. Sadly, the rep I have is n't knowledgeable she also ca n't tell me how my mortgage amount continues to increase yet my mortgage is fixed. She always says she will call me back and never does. Last complaint is a {$40000.00} Corporate Advance account fee I am being charged in addition to my principal interest amount. I 'm aware this amount is significantly higher as told to me by an attorney. Green Tree turned DiTech is fraudulent and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified lett er to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were r eporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax due to the negligent management of my credit report, which contains incorrect names and addresses associated with my credit profile. These inaccuracies, resulting from a lack of proper control and verification, constitute a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604.

Upon reviewing my recent credit report, I discovered that Equifax listed information not associated with me, including incorrect names and addresses. This improper association of personal information has negatively impacted my credit profile and demonstrates that Equifax is failing to verify the accuracy of the information it maintains, as required by the FCRA.

Specific Issues of Concern Negligent Association of Incorrect Data : Equifaxs records contain names and addresses unrelated to me, likely due to inadequate control and verification processes. This practice misleads lenders and harms consumers by falsely linking unrelated accounts and information. 
Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : As a consumer, I have the right to demand accuracy in my credit file. Equifaxs failure to ensure that only verified and accurate information is reported infringes upon my legal rights under Section 609 of the FCRA.

Non-Compliance with FCRA Section 605 : Equifax has also failed to provide evidence supporting the retention of employer information in my credit file, which I did not authorize and have no obligation to report.

Negligent Reporting of Unnecessary Data ( FCRA Section 604 ) : Equifax continues to retain unnecessary information, such as incorrect phone numbers and personal details, without legitimate cause. These actions result in the retention of irrelevant information and fail to comply with the law.

I request that the CFPB investigate these issues promptly to ensure that Equifax : Removes all incorrect names, addresses, and any other data not directly verified as belonging to me.

Implements measures to prevent these errors from recurring in the future.

Verifies and maintains only accurate, legally authorized information in my credit file, as stipulated under FCRA regulations. 
Thank you for your attention to this matter. I look forward to your swift action in enforcing compliance with FCRA guidelines and protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I received {$100.00} from a merchant on XX/XX/2023 and suddenly vanished today without explanation. Tried to give proof that the money was received but they had no way to send my proof.
Product: Checking or savings account

Capital one closed my credit card account then a month later closed my checking account, when i called in to ask why they said they dont know and that i will receive the reason in a letter sent to me. 
Never received one for the credit card and did receive a letter for the checking with no explanation and on the check for my left over balance from the closed account it says customer requested i never requested them to close my account All of my capital one account seems to be getting closed one after another with no explanation at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan orginated in XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by XXXX XXXX in XXXX of XXXX via letter from their Porta Rico Headquarters that the balance was due in full XXXX of XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX. They are reporting to the credit bureaus that Foreclosure was started. I live in Florida. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( Lis Pendens ). I verified that no filing ever occurred. I filed a claim with Experian and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with Experian again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

account number : XXXX i made payment on XX/XX/XXXX by phone and it didn't get completed until the XXXX. this has violated by rights as a customer with accordance to 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

I received a call from what was reported via caller ID to be Wells Fargo ( my bank ) and the person stated they were from the fraud prevention section and needed to discuss possible fraudulent charges on my account made using XXXX XXXX. This person then directed me to open XXXX XXXX and initiate what they said was a credit for XXXX which would reverse the fraudulent charge. After hanging up I called Wells Fargo to confirm this and was told it was a scammer and that I was protected by Wells Fargo 's " XXXX Liability Credit Card Protection '' policy and they initiated a dispute. After 10 days Wells Fargo sent me a letter saying I was being provisionally credited the disputed amount. On XX/XX/year> I received another letter saying they had completed their investigation and concluded that I had authorized the transfer. This is completely untrue as a scammer called me and represented himself as a Wells Fargo employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give XXXX  XXXX the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with XXXX XXXX or any of their affiliates. I contacted XXXX  XXXX multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX AM at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both XXXX XXXX and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from XXXX XXXX. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.
Product: Debt collection

I moved out of my apartment in XXXX, and paid the remaining balance due immediately on receiving the invoice on XX/XX/2018. I received a notice dated XX/XX/2018 from IQ Data inc that they were attempting to collect on this debt.

IQ Data is attempting to collect a debt that I have already paid, and was never past due. I have provided documentation of this to them. 

Their agents have provided different answers about whether they own the debt or represent the original owner. 

The agents have given me different email addresses to provide the documentation to, and refuse to confirm receipt. 

They are aware that the debt has been paid, and continue in their efforts to collect. 

XXXX XXXX, a call center agent for IQ data, in particular is belligerent/threatening, and has provided contradictory statements : - That IQ data owned the debt.

- That IQ data didn't own the debt and only represented the landlord.

- That they would send my bill to collections even though it has been paid to the landlord.

- That IQ data had no responsibility or ability to verify the debt since 'He would be making phone calls all day ' if he had to check and see if everyone who had already paid their bills. 
- That IQ data has no way of confirming that they received proof that the bill was paid.

I believe this is a bad faith, intentional attempt to collect on a move-out bill that was already paid, and that IQ data is purposely being difficult and misrepresenting the facts.

Company information : IQ Data XXXX. XXXX XXXX XXXX, WA XXXX Orignial Landlord : XXXX XXXX XXXX XXXX XXXX, XXXX, wa XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I notified SoFi of transactions that I did not make nor did I authorize. I followed SoFi.com directions on how to dispute unauthorized transactions. The transactions total {$2800.00}. SoFi has  partnered with The XXXX XXXX  for the MasterCard debit card these transactions were made with. On XX/XX/2020 I received an email stating that my dispute was not going to be processed. SoFi was not going to submit the dispute according to the MasterCard master  merchant agreement. SoFi did not submit the dispute to The XXXX XXXX. When asked why I received an email stating " During the course of all of the transactions you are disputing, there were no failed PIN attempts or declines in reference to the charges indicating whoever was using the card knew the available balances ; this is including multiple deposits made during the time period. '' This is not a true statement. I contacted all the merchants in an attempt to dispute the transactions directly with them. Most of the merchants told me to file a dispute with my bank, that they can not just refund a card. One of the merchants told me that nothing matched my information, specifically my name. Meaning the name used to make all these online transations wasn't mine. The explaination also states no failed pin attempts. All of these transaction were online, no merchant asked for your pin for an online transation. As  far as the declines, that statement is also not true. On XX/XX/2020, another transaction I did not authorize hit my account. Filed a dispute and again was denied. The response I received was " 1. You have had previous transactions with the merchant. 2. There have also been multiple attempts for other transactions with the merchant that were denied due to insufficient funds in the account. Just because I did business with the merchant does not mean that I authorized any additional transactions. The first response said i was being denied  because there were no attempts denied and the second response states i was being denied because there were " multiple attempts for other transactions with the merchant that were denied .... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly disappointed in the experience I have had with Experian. Not only am I disappointed in how I have been treated as an consumer but the customer service has been disheartening. I have mailed my dispute to Experian via certified mail. With certified mail someone has to sign for it with date included. I received a receipt back dated XX/XX/2020 and SIGNED with a stamp. Which I have attached a photo of. I had called weeks prior to verify if the information was received I was notified it could take up to 10 business days to be received. I then waited longer to to verify the receipt of this information. When I called which to speak to someone can be very tedious ; I was hung up on not once not twice but well over 10X. Each time I called I requested a supervisor which was not only refused on serval occasions in addition to not one individual I had spoken to could verify that my information was even received. Despite that fact that I have PROOF it was not only received but signed for. Each time I was put on hold for several minutes and advised I could speak to someone in leadership call miraculously drops! I have still yet to have not only my documentation found but the disputes opened. I prefer to write letters to the credit bureaus and I am requesting to take this above the bureau. Since I have no luck in getting this resolved with the bureau. This is not how to treat consumers if so, Experian should be have complete new staff. Seeing Americans rely on credit to sustain life and if things are not correct on your report to be removed and/or investigated.