23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2023 i decided to send a Dispute directly to WELLS FARGO about a suspicious and deceptive account being furnished on my consumer report because after a many unsuccessful attempts to gain clarity from the consumer reporting agencies i only get updated credit reports stating the information was verified. the Requests i sent to WELLS FARGO asking to Validate the account Pursuant to 15 USC 1692g or Cease and desist Pursuant to 15 USC 1692c cease communicating a debt, or send me something in writing and stop its unfair reporting. The Letter 's i sent were mailed certified and received on XXXX XXXX, 2023 Tracking # XXXX i have waited for a response and by law i should have received a response within 30 days pursuant to 15 USC 1681i and1681s-2, WELLS FARGO is in violation of 15 USC 1692g failing to validate or respond to a request for validation, 15 USC 1692e ( 8 ) false or misleading representations communicating credit information which should be known to be false including failing to communicate a disputed debt is being disputed, 15 USC 1692c continuing to communicate indirectly after cease and desist, 15 USC 1692d harrassment and abuse for engaging in conduct which the natural consequence is to harass, abuse, oppress,, 15 USC 1681s-2, Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is Disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is Disputed by the consumer. Wells Fargo did not notify the consumer reporting agencies about my Dispute nor did they acknowledge my Dispute,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

A family member put my number down as a reference for her loan. I have already advised the finance company for them to stop calling since I am only a reference and they call me everyday. They tell me that they can not stop calling me till my family member calls to remove me as a reference. I work in a finance company as well and I know that is not true. Please I have exhausted all I can do to make them remove me from calling me but they seem not to care.
Product: Credit reporting or other personal consumer reports

I have detected unauthorized inquires on my credit report. They are from : XXXX XXXX on XXXX XXXX XXXX XXXXXXXX XXXX XXXX. on XX/XX/year>XXXX XXXX XXXX XXXX on XX/XX/year> XXXX  XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX  Hard inquire was added to my credit report without my knowledge, also another XXXX inquire was added to my credit report XX/XX/XXXX which was XXXX XXXX. Highly disappointed that this has taken a toll on my credit and prevents me from making better financial decision, would need this problem resolve and would like to move on financially.
Product: Debt collection

I lived in an apartment in NJ and the thermostat was not working properly. We requested on several occasions for someone to fix because our electric bill was running around {$800.00} due to the ancient equipment. They refused to do any type of maintenance which would have been covered under the lease so we had no choice but to give a written 45 days notice. We knew they were going to keep our security deposit. Some time later we received a statement indicating we owed money for things that were needing fixed that were not true. We do not owe anything to this company and I have been disputing this for some time now.
Product: Mortgage

I have an FHA XXXX loan with Dovenmuehle which is being serviced through XXXX XXXX. 

Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by XXXX XXXX, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case. 

The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project. 

Thus far, XXXX XXXX has told me that I will just have to try and complete my renovation with the remaining project funds, which is unacceptable as well as impossible. and the renovation has left the project at a stage that no other contractor wants to take on without charging a premium. Also, costs of materials have risen since my contract was bid which would make it hard to complete the project even without the theft of $ XXXX from the escrow account. My house is just sitting now in danger of vandalism ( you name it ) and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage faithfully for a house I cant live in which is emotionally and financially draining. 

I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to Dovenmuehle telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank regarding this directive. 

I should not be required to pay for the mishandled escrow funds by the bank in my mortgage to the tune of $ XXXX with interest over the life of my loan. This to me is just a ludicrous notion. The fact that they just tell me I will have to try and complete the house with the remaining funds is insulting and negligent on their part.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  XXXX, OH XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My three individual student loans were transferred from XXXX XXXX  to Nelnet in 2023 prior to payment resumption from the pandemic. I have been trying to get information on the process to pay off one of the three loans and information on whether the monthly payment will be reduced accordingly after I do so. 

I have emailed them 5 times requesting a return contact with NO reply. I have also called them multiple times and were told the hold times were running over an hour so I requested a call back and all three times I never received the promised call back, including today when I called and was told I would get a call back in 40 minutes. That was an hour and a half ago. 

Since I have had essentially no experience with them since they took over the loans I am reluctant to send them {$16000.00} without knowing the process, how the payment would be credited, etc. They seem completely incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.
Product: Credit card

I was told that I was pre-approved for a credit card and that it wouldn't affect my credit score. After going through the application process. I was not approved and a hard inquiry was place on my credit report. Causing my credit to be affected. I requested information on the under writer and was denied that. This has happened to me multiple times. Im being discriminated again and denied credit illegally. Without a legal reason why.
Product: Vehicle loan or lease

Westlake Financial is continuesly reporting on my credit inaccurately. They have been provided ample amount of time to correct their errors. Multiple disputes via XXXX, XXXX and XXXX. They insist on not correcting their mistakes properly. Due to my rights by law as a consumer and fair credit reporting act I have the right to fair and accurate reporting on my credit.Thank you for your help in the resolution of this particular matter, issue! 
XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account number : XXXX ; ( listed twice on reports ) XXXX XXXX XXXX account number : XXXX ; XXXX XXXX, account number : XXXX ( listed twice on reports ) ; XXXX XXXX XXXX  account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX XXXXXXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

In XX/XX/XXXX my now XXXX mother needed my help to refinance here home.So I helped her and I became part of the mortgage loan.At that time XXXX XXXX was the lender.In XX/XX/XXXX I had a new child born that was born XXXX. I was then forced by family court to illegally pay child support for my children in which they were living with me. With this illegal act my credit was ruined for not being able to pay for credit issues I had beforehand.Mostly all the credit companies I owed sent me to collections and they were seeking garnishments for not being able to pay.In XX/XX/XXXX, my mother passed away and I had to submit her death certificate to XXXX XXXX.After I submitted my mother 's death certificate XXXX XXXX quickly sold the loan.Keep in mind that my credit was destroyed when the mortgage was sold to PennyMac.PennyMac received a mortgage without investigating my credit as a borrower.So they tried to foreclose on the property because of their improper practices.I got the house out of Foreclosure in XX/XX/XXXX and in XX/XX/XXXXbecause of unfair practices by PennyMac.In XX/XX/XXXX the property needed serious roofing repair while I was in foreclosure repair.Their lender placed insurance company XXXX sent out their inspectors and agreed to do the repairs.After {$42000.00} worth of repairs was done to the property while going through foreclosure repair they denied the claim and left me to pay the bill with destroyed credit.Garnishments started coming out of my check and I Have n't been able to even eat or pay my mortgage.This is a very sick situation to live under please Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX
Product: Debt collection

Attached to this letter is a copy of my FTC Identity Theft Report, which provides details regarding the fraudulent activity. In addition, I am invoking my rights under the following legal provisions : 1. 15 USC 6802 The Gramm-Leach-Bliley Act, which mandates that consumer reporting agencies take appropriate action to prevent identity theft and ensure that consumer information is protected. 
2. 15 USC 1681b Under the FCRA, a credit reporting agency may not report information if it is determined to be a result of identity theft. I request that you remove all fraudulent information from my credit report.

3. 18 USC 1028A This statute criminalizes identity theft and provides a legal framework to help consumers protect themselves from fraudulent activity. I am actively pursuing this matter in line with this law and expect your full cooperation in removing the fraudulent information. 

I request that you take immediate action to block any fraudulent accounts from my credit report. As required by the FCRA, please complete your investigation within 30 days and notify me in writing of the results, along with any actions taken to resolve this matter. 

Please also provide me with written confirmation that the fraudulent accounts have been removed from my credit report. If you need any further documentation to assist in your investigation, please inform me promptly. 

Thank you for your cooperation in ensuring that my rights under the law are upheld. I look forward to your prompt resolution of this matter.
Product: Debt collection

I have sent this company LVNV funding LLC a cease and desist to this company regard debt of {$200.00} this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter this company has also to found to impose a collection agency when it is listed that this company is not legally blind and or insured to collect in the state of Georgia. please have this company cease all collections activities this is my last attempt to complain outside of court
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX  XXXX SSN : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 
Reason Late payments, Apple Card To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) XXXX demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 
XXXX I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Once again I was incorrectly charged a {$15.00} fee. This has been an ongoing issues which I have been promised on multiple occasions would be corrected so it does not keep happening. It is shocking to me that you haven't flagged my account with a fee waiver to avoid this from happening on a monthly basis. This has been the single worst customer experience with a bank I have ever experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have unverified accounts that are posted to my TransUnion credit file that have been disputed on four separate occasions ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) without any verification documentation sent back to me from this company showing me how they have been verified or who they verified these accounts with and the contact information of those companies/persons. I sent four separate dispute letters to TransUnion requesting that they provide applications signed by me for these accounts to show proof of verification, however, none have been sent. I have also requested that they remove any and all accounts that they can not adequately verify with a signed application for credit with these accounts. I have suffered damages as a result of these unverified accounts remaining on my credit file and will be litigious pending the immediate removal of these erroneous accounts.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and previously disputed a account on it XXXX XXXX XXXX XXXX. Because of my recent dispute Equifax violated consumer law by re-aging the date of last activity of the account in which they reported the last activity date to be XX/XX/year>XXXX  instead of reporting last delinquent date. This is a violation of FCRA Section 605c. They do this to consumers in order to harm the integrity of the consumer. Consumer never authorized the reporting of such NPI non public information. I understand that under 15 U.S.C. Sec. 1681i ( a ) ( 2 ) ( A ) ( B ) ( C ), these type of accounts are excluded from being reported. I understand that under 15 U.S.C. Sec. 1681i ( a ) ( q ) ( 3 ), this is considered Identity Theft of consumer. I've asked for proof of investigation and did not receive any proof. I AM NOT THE OWNER OF THIS ACCOUNT AND REQUEST PROOF THAT XXXX XXXX is in fact the Owner of this account and proof shall be sent to consumer via mail, signed under penalty and perjury, witnessed by a Notary, by someone who can attest to the facts that XXXX XXXX is the owner of account. If Equifax can not verify that the owner of this account is XXXX XXXX then Equifax must immediately delete this negative item or face FCRA violations of XXXX XXXX dollars to the consumer under section 605c.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that you have multiple late payments, but the problem is I was never late, and you do not seem to be sure that I was late either. On XX/XX/XXXX XXXX XXXX XXXX claims that I was late which is not true XXXX have me on time so how can XXXX account report differently across all XXXX bureaus.
Product: Vehicle loan or lease

I have a lease for a vehicle with GM Financial. In late XX/XX/XXXX/early XX/XX/XXXX, they made changes to their website and this caused issues to first, pay my bill on time ( they did provide advanced notice so I accepted that I didn't make the payment early enough for the cutoff and paid the late fee associated ), and second, after they made the website changes, the information on the website reports inconsistently. Each month, various statements reflect different amounts owed. I made a large payment in XX/XX/XXXX, thinking I had cleared up all inconsistencies, however, they continued. In XX/XX/XXXX, I received a statement in the mail that reflected I owed over {$3000.00}, when I log in to the website the front page tells me I owe around {$2000.00}, and then when I go in to make the payment it tells me I owe {$0.00}. I spoke with a representative in XX/XX/XXXX when I made the large payment who told me all was cleared up, and my balance was XXXX, however, the online balance continues to show thousands of dollars. I'm completely confused, and have zero confidence that GM really knows how much I owe them. Plus, I started thinking that maybe it shows I owe a XXXX balance on the payments page because I overpaid back in XX/XX/XXXX. On XX/XX/XXXX, I spoke with operator XXXX   who was quite rude to me, telling me they look forward to my CFPB complaint and I should just accept that the error they have on the website is not a problem and keep making payments. I tried to tell her I'm confused and don't know if I really need to, it was my understanding this issue was resolved months ago, but she just referred me to the contract and told me they look forward to getting my CFPB complaint. So I hung up. My request is that I will pay whatever I owe, but I want confirmation that it's accurate, and I'd like them to waive any late fees I currently owe because this is the result of them inaccurately reporting what I owe vs. me not paying. I have made every payment on this vehicle for over three years and have terrific credit. I appreciate any help you can provide me.
Product: Debt collection

3 Accounts what the? 

1st Account = XXXX XX/XX/XXXX Amount XXXX 2nd Account = XXXX XX/XX/XXXX Amount XXXX 3rd Account = XXXX XX/XX/XXXX Amount XXXX These are accounts that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
Product: Checking or savings account

XXXX XXXX Webster Bank XXXX XXXX  I was called and told I had a negative balance of $ XXXX which is not true. 
I opened an account with XXXX XXXX which is part of Webster Bank and also XXXX XXXX. 
It had the highest interest rate for savings. I found they didn't have things I expected, so I wanted to take my money out and close my account. 
I had started the account with a Plaid transfer instantly for $ XXXX. 
I tried so many time, XXXX, to close the account. I spoke to XXXX man who said he was a top manager and said it would be closed. I got emails from the bank saying I still have the account. Again I tried and was on hold forever. 
The initial deposit was made in XX/XX/2022 and funds also transferred out in XXXX. 
I was contacted this week XXXX  times by XXXX XXXX. I told them my account was closed. XXXX XXXX said that it was still open with a negative balance of $ XXXX. 
She asked me for all my personal information used to identify me. I said that the deposit was made with Plaid and transferred out of the same amount deposited. 
I did not ask for the interest back because it had been so much work to get in touch with a real person. 

I told XXXX XXXX I didn't have any money in XXXX XXXX  and I didn't owe them any money. I said, take me to court if you think I owe you money. 
Either the bank is a scam or disorganized. 

XXXX XXXX XXXX