23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My account was sent by Gas Company to the collection agency. This bill is paid but the collection agency has not removed my name from collection. Please advice.
Product: Mortgage

I received a flyer in the mail from this company. I was first alarmed because I noticed that they put XXXX XXXX XXXX XXXX as their address on the envelope, I have been stationed at XXXX XXXX XXXX XXXX and know for a fact that there are Norm mortgage companies based on the facility. I called they confirmed they are a mile outside of the gate and not actually on XXXX XXXX XXXX XXXX. I also asked about the 1.75 % interest rate that they were offering, and they said that hasnt been feasible for over a month now as it is currently costing over two points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed inquiries I did not authorize and I have never done any business with theses companies nor gave them permission to pull my credit. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

This is my 2nd letter stating that my school taxes were not being paid in a timely fashion by Wells Fargo. I've provided Wells Fargo with a copy of the letter and the case s under review. 

I'm trying to also make sure there is no issue with my Escrow due to this occurring and since Wells Fargo pays on my behalf. I received an letter in reference to not enough Escrow funds.
Product: Vehicle loan or lease

On Saturday XX/XX/2022. I the Consumer went into XXXX XXXX XXXX  At XXXX XXXX XXXX to trade my XXXX XXXX in for a XXXX. A Sales man did help me out. As I was doing the CREDIT application I told the sales man now that I signed my signature were now in a Consumer Credit Transaction. The sales man then brought back to finance manager. He came with a paper with all these charges totaling up to XXXX. I told the Manager I want this included in my finance charge he said that was fine. He then said I needed to put a down payment down. I advised the finance manager are familiar with the laws he said yes I said well in what law does it say a down payment is required when doing a credit transaction. I then told the finance manager that under 15 USC 1662 down payment is illegal with a consumer credit transaction. I did extend my credit to you all. He then laughed. He said a down payment is required from the banks. ( I felt very disrespected as a person. ) he then said well Ill do what I want me to do and youll receive a letter in the mail about why you were denied. WELL HE DEFINITELY DISCRIMINATED ON ME AS A CONSUMER And As Well Violated ECOA as Well as TILA. He didnt even pull my report yet to even see what I was working with. Then came back with a Adverse action paper. We asked who denied me he said youll receive a letter in mail. We continued to ask and then asked for a General manager we also asked for his card he said he did not have one. The finance manager then came back with a paperwork with the bank who denied me as a consumer. THE GENERAL Manager greeted us we asked if they had an attorney they said to call SOUTHEAST TOYOTA FINANCIAL Who Denied us to speak with an underwriter that I also requested. I SIGNED MY SIGNATURE AND YOU ALL DENIED ME AS I WAS EXTENDING MY CREDIT AS WELL AS YOU ALL DID A INQUIRY ON MY CREDIT REPORT AND DID NOT GIVE ME WHAT I WANTED IN GOOD FAITH. You all Have Violated TILA & ECOA. I filed with the Attorney General As well As FTC. If You Say You Not Violated my rights then let me know why I was denied? As a consumer I shouldve never been denied. I definitely felt discriminated on. I HAVE A FAMILY AND ALL I WANTED TO DO WAS TRADE MY CAR IN.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute on XX/XX/XXXX with Capital One - there has been no update, and the merchant ( XXXX ) continues to charge my account despite my dispute. I had to call back and request that they block the merchant - something they should've done when I filed the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( Equifax and XXXX XXXX  ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XXXX and XXXX AFTER the item was paid. But they then listed a 120 day in XXXX of 2015 ... TWO MONTHS AFTER PAYMENT.

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for the following debt collection companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 24 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is frozen with Equifax and when I attempt to unfreeze my credit they require me to mail them all the documents required to steal my identity to a single and known point of failure. 

I asked and they will not allow me to fax them the documents or email them the documents. 

I refuse to place copies of my Social Security Card, Birth Certificate,  and a bill with my name and address on it into an envelope and mail them to Equifax, particularly to an address where it is known such pieces of mail go to, making it a target for identity thieves.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ) Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), another account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a phone line account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and XXXX collections accounts opened at XXXX XXXX solutions with a balance of ( {$730.00} ) and another collections with a balance of ( {$530.00} ) that appears related to the aforementioned accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights 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.
Product: Mortgage

My husband died XXXX. I asked that my mortgage be modified with a more manageable payment due to my altered circumstances. I thought they did as my new payment was just over {$1500.00}. Pennymac indicated that I wasn't paying enough and began threatening foreclosure. Hardship led me to appeal for loan modification but Pennymac has become aggressive now. I have been paying a little over {$1500.00} faithfully and on time. They have apparently indicated some default to the credit companies that has led to hardship. I had a car accident and had to get another car when mine was totaled. I ran into a low credit rating due to Pennymac 's action.
Product: Checking or savings account

I have a Health Savings Account ( HSA ) with Optum Bank , Inc., doing business under the name " Optum Financial ''. For the past XXXX  months, ever since I terminated mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, my account has been incurring a monthly " account maintenance fee '' which I did not agreed to. This fee did not and still does not appear on the fee schedule on Optum Financial 's website, either before I XXXX XXXX XXXXXXXX  or at any time thereafter, and I did not receive any notification about it by mail or e-mail.

I have contacted Optum numerous times about this issue, starting on XX/XX/XXXX when I first noticed the discrepancy. At first, they told me that the fee had previously been paid by XXXX, and that they started charging it to my account when I XXXX XXXX XXXX XXXX. I asked why this fee was deducted when the written schedule of fees doesn't authorize it, and they were unable to provide any justification. I was told that the discrepancy would be investigated, and I called back about XXXX times over the next XXXX weeks but was continually told that the investigation was still pending. The company repeatedly promised to call me back with updates but never did. 

Dates of my phone calls : * XX/XX/XXXX * XX/XX/XXXX ( XXXX calls ) * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX On XX/XX/XXXX, I spoke with an Optum Bank supervisor named " XXXX '' on a recorded phone call. She confirmed that Optum Bank was aware that the monthly maintenance fee was not included on the schedule of fees, but said that regardless, it would not be refunded because the maintenance fee was as-is. 

Please see the attached documents in support of this complaint : * Account statements showing the monthly maintenance fee ( charged aXXXX XXXX XXXXXXXX, XXXX times between XX/XX/XXXX and XX/XX/XXXX, totaling {$30.00} ) * The current " HSA Fee and Interest Schedule '' ( dated XX/XX/XXXX and still current as of XX/XX/XXXX, accessed via the Optum Financial website ) which does not show a maintenance fee * The " HSA XXXX  XXXX '' governing the account, which states that the " Schedule of Fees '' is the authoritative document governing fees that I owe ( unless XXXX notice is given ) l see highlighted sections on page XXXX XXXX XXXX XXXX * The XXXX XXXX consent policy '' stating that Optum Bank 's website is a legally recognized means of delivering the account agreement and fee schedule
Product: Student loan

My name is XXXX XXXX and I am desperately trying to seek some assistance from Wells Fargo about a personal business matter. I have been a student loan customer of Wells Fargo Bank since XXXX of XXXX. I have taken out a total of XXXX separate private educational loans, with XXXX of them being paid in full with no late payments. They are as follows : Acct # XXXX - {$2500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3400.00} - Paid in Full - Perfect Payment History. 
Now to the last XXXX private educational loans that I have from Wells Fargo. The following XXXX loans are in Charge-Off status with Wells Fargo : Acct # XXXX - {$3400.00} - Charged-Off - {$1300.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
Acct # XXXX - {$5700.00} - Charged-Off - {$2200.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
I lost my job in XXXX of XXXX. When I lost my job, I still made my payments to all of my loans on time and complete until the company I was working for transferred me from XXXX XXXX, XXXX to XXXX, XXXX in XXXX of XXXX. At this time, my co-signer/co-borrower took over my payments for me ( XXXX XXXX, my grandmother ). She did this for me until I found them to be charged off. My phone number, address, or email were never the same as my co-signer/co-borrower. I never received a single notice for a 30 day late, 60 day late, or a 90 day late on these loans. I also never received any notice directly to myself of any charge-offs until both loans were charged off and outsourced to a collection agency ( who then transfered them back to Wells Fargo ). After they were transfered back to Wells Fargo, I done everything in my power to pay them off in full as fast as I could.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a XXXX charge on my credit report with all the bureas especially XXXX  since XXXX and I disputed the charges with them at which they did nothing. Then I filed a police report they still didnt open a investigation finally I disputed it with XXXX  and have been since XXXX and they have left that fraudulent charge as a bad collection account in my credit file when I am the victim and had my account paid in full. when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Product: Credit reporting or other personal consumer reports

XX/XX/2024 a XXXX XXXX account was added to my Equifax account . I have already disputed it twice and it still hasnt been removed. This is not my account and I have had it removed successfully from my XXXX account.
Product: Student loan

Prior to MOHELA becoming my loan servicer, I expressed concerns related to the failure of the Dept. of Ed. to recognize my full time employment with the US Dept. of Homeland Security ( TSA ) and certify the months of XX/XX/2018 and XX/XX/2018. 

I have provided a W-2 and paystubs that indicate beyond doubt that I worked the required hours for a qualified employer. 

My loan servicer is now ( and has been for quite some time ) MOHELA and after numerous requests sent to them to address this issue- they have finally responded, only to state that I need to return to my previous servicer. 

Unacceptable! 

MOHELA is my servicer, and the servicer for PSLF, and they need to make this correction. 

I am only asking for what is just, proper, and right - to get credit where credit is due. I worked full time for the government and I can not believe I must go through such efforts to fix this error. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent activity has been reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account and inquiry : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

JP Morgan Chase has failed to pay our dispute JP Morgan Chase has failed to provide us their Dispute Policy and what are my rights
Product: Bank account or service

I am XXXX and my wife XXXX XXXX, have a chase checking and saving accounts. Somebody scam and wire all money from XXXX accounts, in XXXX Transactions in 2 days. Ones that person who did that, was moved from saving to checking account {$3900.00}, then wired too. Everything was happen at XXXX XXXX and XXXX 2015. All details for these wire transactions included with printed statements. Chase told me, I have to make a police report for further actions ; otherwise they ca n't help me with this money refund, because 35 day already passes. My understanding is, that this scamming was done by some chase employee, because this suspect knew my balance and, or access to accounts without hawk account password nor email account password, witch is required to access both email and chase bank accounts at the same time. In 2 month, I did n't get any alerts for this scamming by phone, email nor texting, witch is supposedly to notify me and indicated for this horrible scamming ...
Product: Credit reporting or other personal consumer reports

This is my second time disputing inaccurate and fraudulent accounts found on my credit report. After receiving my consumer report in the mail last month, I started to dispute with all the companies involved. I My information has been leaked multiple times because of data breaches with companies such as XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX  etc. I feel like I'm being ignored. Someone has used my information to open up account in my name.

I am writing to dispute inaccuracies on my credit report formally. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlighting that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports.

As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called into Experian to dispute inaccurate information, remove past addresses, phone numbers, employers, etc. 
The first representative was incredibly unhelpful and violated second 605 and 609 of the FCRA by refusing to dispute inaccurate information, removing outdated information. 

The representative outright refused to dispute addresses and names. When I asked to speak to a supervisor, she outright refused to transfer me. Eventually I threatened a complaint with the CFPB if she refused to assist with removing the information and disputing inaccurate information and accounts on my credit report. 

At this time, per the FCRA pending legal action will be taken if this is not resolved. You can reach out to me via email or phone listed in my credit report. This is a direct violation of my consumer rights and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow I was charged for Transunion service when clicking through a link for a FREE credit dispute service. There was no cart, receipt, or bill of any kind shown before being charged. I only noticed because I was sent a receipt to my email. I was simply trying to create an account.
Product: Checking or savings account

I told the XXXX location my wallet was stolen and that the car was stolen. I also went to the police and have a case # with the XXXX Police Department : XXXX. 
The rental was made XXXX XXXX XXXX 2023. The total charge to my account was XXXX.
Product: Mortgage

Carrington Mortgage XXXX XXXX XXXX XXXX, TEXAS XXXX, has been contacted on numerous occasions by phone and email ( email attached ) requesting when I reach 78 % and a request for date of when Carrington has the PMI coming off. I explained when with Total Mortgage the original holder of the Mortgage that my PMI was to come off XXXX XXXX XXXX 
Carrington just continues to give me a run around and sent out a letter stating that I have to pay {$190.00} to have the property reassessed, which has nothing to do with my request. Please help me, they are blatantly ignoring my right s and my protection, thumbing their noses up at the Law.
Product: Mortgage

Yes back in XXXX  I think can't remember exact dates. Wells Fargo made me lose my home. They said I had owed them {$5000.00} and that was not true. And they said if I didn't pay we would lose our home. Well I was laid off my job at that time and we were not able to pay {$5000.00} for something we did not do. So we ended up losing our home because of Wells Fargo
Product: Credit reporting

Experian is reporting fradulent debt that does not belong to me from XXXX XXXX XXXX for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information.