23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was called from XXXX on XXXX/XXXX/2015 at XXXX reguarding a debt with XXXX XXXX XXXX. The person who called me did not identify the name of the company and simply asked for me by my first and last name. When I said yes XXXX said that she was calling for a account with XXXX XXXX XXXX and I owed {$1000.00} something then went into settlement and payment options so much as offering me a settlement at 50 %. There was no mini Miranda given at any point and I was not notified the calls could be recorded and did not verify who I was by using verification methods such as last XXXX of the social security number or mailing address. I told her I would call back. I recieved a call at XXXX XXXX XXXX/XXXX/2015 and the same person left a voicemail stating I did not call her back. I called back their number XXXX ext XXXX. She again did not identify the company name. I gave her my phone number and she looked up the account and again simply asked for me by first and last name. I asked how much is owed and she went right into the account. I asked her if she was a debt collector and she said yes so I asked why she would give out personal information without verifying who i was. She stated that she asked for me by using my full name middle name and suffix included which she did not. I told her that she did not disclose a mini Miranda as well nor state the calls may be recorded. She said she didnt have to give me a mini Miranda and I asked to speak to a supervisor. She said she would transfer me and she then hung up. I called back and she said she did not mean to hang up with sarcasm in her voice and transfered me to a supervisors voicemail. I left a message stating that this is the XXXX time in less than XXXX hours that information has been given out without proper verification and have not received a call back. It took me looking up the phone number on XXXX to figure out the name of the company is National Credit Adjusters and this is not the XXXX time they have done this. I could have easily given the phone to someone next to me and they would have given any information that the person asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is proof that your credit reporting agency did not do a reasonable investigation. Your agency also did not investigate the challenge stated in my letter ( s ). Which means your agency is not operating in compliance despite other consumer reporting agencies deleting the account ( s ) in question.
Product: Debt collection

I have been disputing this debt since 2019. I deny that the debt is mine or amount owed is correct, deny the interest rate and terms are anything I agreed to. 

I have asked to have the debtor provide a time and place for me to view the original contract not a copy of papers with a copied signature that can easily be copy and pasted. 

I have asked many times for an audit that shows how interest fees and payments were calculated based on GAAP generally accepted accounting principles. 

I have asked that the company remove the negative reporting on my credit report as mandated by federal law until the debt can be proven. The company refuses to remove the debt from my reports until they meet this legal requirement
Product: Checking or savings account

On XXXX, XX/XX/2022 at XXXX EST, I received a text message from my bank, Wells Fargo XXXX informing me a new XXXX Recipient ( named " XXXX '' ) was added to my account. I did not give any authorization for this contact to be added to my checking account as a XXXX Recipient. 

At XXXX EST on the XXXX, I subsequently received an email from Wells Fargo Bank stating I sent a XXXX Payment of {$750.00} to this recipient, XXXX This was a fraudulent charge, thus immediately called Wells Fargo to dispute the fraudulent XXXX transaction and opened a fraudulent claim. Wells Fargo immediately closed online access to my checking account at that time. 

The entire week of XX/XX/XXXX there was no communication or follow-up from Wells Fargo Bank regarding the claim that I filed ( no email, letter or phone call ). 

On Monday, XX/XX/XXXX, I called the Fraudulent Claims Department to follow-up on the status of my claim. At that time, I was informed by the Claims Specialist that the investigation was closed and the dispute was denied without any further explanation. 

In closing, I am hoping CFPB can help rectify the situation with Wells Fargo and have the fraudulent XXXX transaction of {$750.00} refunded to me by Wells Fargo. 

Thank you in advance for your time and assistance.
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I saw incorrect accounts on my credit report without any warning or reason. I review my report regularly, and theres never been an issue until now. Refreshing the page didnt fix it, which only made me feel more unsettled. Please review the documents I submitted carefully so I can stop worrying about this happening in the future.
Product: Credit reporting or other personal consumer reports

I am filling a complaint Against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. S. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB Take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Collection was opened XXXX XXXX amount {$1800.00} Collector XXXX XXXX XXXX original creditor 01 Capital One N A Account Status with Capital says Open
Product: Credit card

I accidentally sent a payment through XXXX XXXX from my XXXX XXXX account to a closed credit card account at Chase, which was closed in XXXX. I requested a refund for the payment, but Chase informed me that they could not find a credit card account with them, and it is not linked to my Social Security number. I am seeking clarification on why this payment was processed to a closed account and how I can get the payment refunded. 

I first visited a Chase branch where XXXX assisted me by calling a representative. They couldnt find my credit card account using my Social Security number and said they needed my credit card account number, which I didnt have because the account was closed. I was told they could not find a credit card account with them. I had to look up my credit history at XXXX to find my account number. Once I provided it, Chase said I would have to mail them proof that the funds had been taken from my XXXX XXXX account. 

After a week, I didnt receive anything, so I called customer service, but they couldnt assist me. I went back to the branch, and they reiterated that because my credit card account number wasnt linked to my Social Security number, there was nothing they could do, and I would need to go back to XXXX XXXX to request the money back. 

I visited XXXX XXXX in person, and they confirmed the payment was processed correctly. They declined my claim and said I needed to go back to Chase, as they should have kept my account in the system for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my Credit Rating was decreased by 25 points. I checked the report prepared by this agency and could not find a single change from the report as it existed just prior to this change and the report as it appeared after I was notified that my rating had decreased by 25 point. 

On, XX/XX/XXXX, I called to ascertain why this change occurred and was informed that the agency could not tell me the reason. 

How do I find out what prompted this change and correct the information that apparently led to this event happening?
Product: Vehicle loan or lease

On XXXX separate occasions, XX/XX/XXXX and XX/XX/XXXX, I sent extra payments in the amount of {$XXXX} each by writing principal in the notes section of the check for this new auto loan that was opened early XX/XX/year>. My most recent statement indicates they misplayed them that reduced my current amount owed by {$XXXX}. I then called the company and spoke with a rep ( whose name was XXXX XXXX who confirmed the amounts were posted to income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This is the second time this debt has gone on my credit report and the third time disputing it with experience. They have removed it once but it was recently put back on. It is not on my other reports. XXXX will not open dispute again and is asking for proof. I can not prove that it isnt mine since I do not even know what it is?
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 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, credit repair services, or other personal consumer reports

I've been disputing against this reporting agency since XXXX There have been over 100 violations from them since that time. 

Deletion is admittance of guilt and I've invoiced them for XXXX XXXXXXXX and they still haven't fully rectified the problems that I've reported to them, or complied with my demands. 

Most of my exhibits will be attached to this complaint. 

The certified mail receipt of the invoice will also be attached. 

I do plan to take them to federal court if they do not pay the invoice. 

I've not been able to buy a house because of the 34 derogatory marks from student loan accounts that were reported incorrectly, and updated illegally. 

They denied over 70 of my requests to validate certain debts between the years of XXXX and XXXX. 

They've never interviewed my friends and family for validation, and have caused me financial misery for a bit under a decade. 

I've slept in my car for months at a time due to their mis reporting, and blatant disregard for the law. 

Here is a list of some of the violations that I've cited to them. 

15 U.S. Code 1692j ( a ) Furnishing certain deceptive forms Under 15 U.S. Code 1692k Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character. 

Pursuant 15 USC 1602 ( p ) The term unauthorized use 15 U.S. Code? 1692g-Validation of debts Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report United States Code Law 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave consent to have these items reporting. These items are false and misleading 15 U.S.C 1681a ( b ) - " Any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Anything authorized from my credit card should be excluded from my consumer report. I want everything listed below deleted from my credit report.

According to 15 USC 1605 ( a ) any transaction that requires my social does in fact involve a finance charge, which is illegal because selling credit is against the LAW. You have violated my right to recission by not disclosing that information to me pursuant 15 USC 1635 ( a ). 15 USC 1635 ( b ) 15 U.S.C. 1692g, 15 U.S.C. 1695, FCRA, FDCPA 15 U.S.C. 1692g ( B ) 12 USC 1431 15 USC 1681a 2B " Notes : From XXXX - XXXX 73 accounts were deleted, not including the dozens of hard inquiry listings, wrong names, wrong addresses, wrong jobs, wrong phone numbers, inaccurate accounts and more. 
I have exhibits for each and every one of those deletions, disputed receipts and all will be sent to the CFPB. If this demand is not fulfilled. 
I will take this to federal court and sue for damagaes for that enitre 8 year period. '' There's a XXXX XXXXXXXX XXXX card date opened XX/XX/XXXX, with a balance of XXXX out of XXXX, all three reporting agencies are reporting that without my written consent as well. I would like that to be deleted.
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX, XXXX  XXXX XXXX  XXXX XXXX, AE XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX  XX/XX/2022, XXXX XXXX  XXXX XX/XX/2022
Product: Credit card or prepaid card

The fowlowing information Im attaching Is to provide the complaint concerning the Home Depot request for payments they had.my payments made in store but have not corrected the problem. They Requested copies as though they did not have the information that was a false Statement attaching proof.
Product: Student loan

I want to know what options do we have for cancellation of this debt. On the federal side they have been beyond accommodating to help with the repayment process and with the cancellation process. However, on the private side they are very little options for payment deferrals and no options for debt cancellation. I took out an initial loan of {$3500.00} and made consistent payment on the loan and right now I owe {$8700.00} and Ive been charged over $ XXXX in interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need Equifax, XXXX, and XXXX to remove these accounts from my consumer report and correct my score according to the corrections made.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX ( via servicing arm XXXX  ) transferred servicing of my loan to PHH Mortgage, formerly known as Ocwen.

I received a notice of servicing transfer from XXXX. I received no such notice from PHH. The effective date of servicing transfer is today, XX/XX/XXXX. I called PHH on XX/XX/XXXX to make sure that they were in receipt of my loan, and that my mortgage clause would be changed on my homeowners insurance binder. The agent on the phone went to " check with their insurance department '' and promptly hung up the phone. I decided that this was no big deal, I would wait until XXXX to make sure things went smoothly with the transfer. I left a message with my insurer, XXXX, asking whether they were aware of a servicing transfer. I never received a call back.

I attempted to call PHH again on Friday, XX/XX/XXXX during their stated business hours. However, when I went through the automated phone system, the line disconnected. Nobody answered my call no matter how many times I tried to call them. 

It is now XXXX. I have not received the notice of servicing transfer from PHH, only from XXXX. When I attempt to create an account to make a payment with PHH, I am unable to do so, and the website/app are telling me they are " unable to find your loan. '' I am entitled to pay PHH beginning today, but I have no way to view my mortgage account. I can not call them on a weekend, since they have closed their call centers. The PHH automated phone system does not give me any information about any loan they are holding, despite the fact that they are my servicer beginning today.

Additionally, I have learned that I will need to pay a fee to make ACH payments. I view this as an unreasonable fee and an undisclosed interest payment. This is unacceptable. The CFPB needs to do something about this immediately. PHH seems more interested in letting payments go into default than letting us pay down our debt.

I am missing the transfer of servicing notice from PHH, which is my main concern. My secondary concern is that there is no way to pay them without sending a check for an account that, according to their system, is not active on the effective date of servicing transfer. If I were to send a check, how would they post it to my account if they have no records of being the servicer? 

Thank you.
Product: Vehicle loan or lease

We were at the end of the loan on a XXXX XXXX when it was in an accident. The person that hit the car did not have insurance and we had purchased GAP insurance with the company. We have been still making payments on time and trying to work through the GAP insurance policy when Ally sends a letter saying that we have not made payments and the car was going to be charge off and it would go on our credit report. 
We called GAP and they said they needed payment history and a running balance with the payment history so they could make a payment to ALLY. 
Ally has only sent them the payment history and not the running balance, they claimed they don't do that. 
We have made payments on time for the length of the loan and are still making payments on the car, all while they are demanding payment in full before they send it to our credit report. 

Never in the history of banking have I heard of a bank charging off an account while still receiving payment and they know that GAP insurance is still being worked through.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue.

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.

Specifically, I am seeking the removal of the following unauthorized accounts : XXXX XXXX  Collection XXXX XXXX XXXX ( XXXX ) Collection XXXX XXXX ( XXXX ) It is essential that my credit report reflects only accurate and legitimate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since I sent dispute letters to the credit bureaus of false accounts on my credit reports. I have not received any results about my investigation. This is a violation of my credit rights.Letters where sent out XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Scammers try to send you a paycheck for you to deposit, but the paycheck is a fraudulent one. so in your back, it will show up as + {$1000.00} and they will tell you to send it to their " XXXX '' so once you send {$1000.00}, your bank will find out that the paycheck is a fraud and you will be left with - {$1000.00}. In my case, i used an app to scan the number and it shows that so a good thing I never sent money but I did scan the paycheck, I am on the case to talk to my bank it is not real. They also sent my messages threatening if i don't send the money
Product: Mortgage

My mortgage company New Rez sent my tax money to the wrong place. This happened last year 2021 the last XXXX quarters.and 1quarter this year for a total of XXXX dollars I started receiving notices that my taxes were late I calledNew Rez they sent the money to my second property tax department in XXXX however XXXX claim they didn't receive the money.New Rez keeps telling me they are gon na get the money back and put it back in my escrow.They have raised my mortgage in the XXXX dollars a month instead of putting the money back in my escrow They keep lying to me every month. They admit its their mistake but they won't fix it.this has been going all year I pay my mortgage on time please help just want them to put the money back in my escrow
Product: Credit reporting or other personal consumer reports

I have disputed all charges on my report due to incorrect information on the report. There are numerous accounts that have invalid information that I pointed out to the credit bureaus. Yet they have not removed or correct the information. Also I have reported that I was a part of the data breach with XXXX in wanted items removed. I was also a part of the XXXX data breach as well as the XXXX XXXX data breach.