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

The vehicle loan with XXXX XXXX XXXX XXXX was wrongfully repossessed in XX/XX/XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.
Product: Mortgage

I am writing to you in reference to loan number XXXX. I have documentation from XXXX of XXXX formerly known as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX employees which states Wells Fargo sold the above mentioned loan to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX became the servicer of the loan in XX/XX/XXXX. It is my understanding that in order for anyone or any entity to sell a mortgage or a promissory note, they must first be the legal owner of the mortgage and the promissory note and in order to sell a loan to a XXXX trust, must be the originator of the loan. So, when it was stated to me by XXXX 's employee that XXXX XXXX Bank purchased the loan from Wells Fargo, exactly what did XXXX XXXX purchase? I also have a letter from XXXX XXXX XXXX XXXX XXXX stating they purchased the loan from Wells Fargo. Did XXXX XXXX purchase the promissory note? In the state of XXXX, the mortgage is purported to follow the note, not the other way around.Everything that XXXX XXXX has stated is in direct conflict with the XXXX XXXX court records. XXXX XXXX court records indicate that the mortgage and the note in question were BOTH purchased by XXXX. in XX/XX/XXXX. Wells Fargo has stated they sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The recorded court records also reflect that XXXX XXXX Inc is the sole assignee, not a nominee, not a beneficiary and not a trustee. In fact, the recorded assignment not only shows that Mortgage XXXX XXXX XXXX XXXX XXXX is the owner of BOTH the mortgage and the note but that XXXX, XXXX. is the assignor, which would have made them the legal owner at the time of the assignment. This also reflects that they were the legal owner of BOTH the mortgage and the note when Wells Fargo allegedly sold the loan to XXXX. The assignment of the mortgage and the note were recorded in the XXXX records in XX/XX/XXXX. This would make the purchase of the mortgage or the note by XXXX from Wells Fargo is fraudulent. I would appreciate a response. Thank you in advance for your time and cooperation in this matter.
Product: Prepaid card

My statement contains so many discrepancies, I can not explain them all in XXXX phone call. The statement does not show deposit of XXXX, on the XXXX, or - XXXX, XXXX collection ( XXXX ). It does not show my XXXX direct deposit from XXXX. Amounts : XXXX  & XXXX It shows a deposit of XXXX on the XXXX XX/XX/2023. This did not show on my payment logs for the XXXX. The deposit of XXXX from XXXX, is showing on XXXX. The $ XXXX XXXX from the XXXX XXXX, show on XXXX. I get paid immediately after each order. There are also XXXX other payments that show on the next day and over XXXX  was transferred to XXXX XXXX and should have only been, XXXX. And There is even a charge missing from XXXX. That shows on statement in XXXX, plus XXXX unauthorized transaction.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report XXXX XXXX willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the harm caused to me due to their fraudulent credit reporting practices. XXXX XXXX has knowingly reported inaccurate information on my credit report and failed to take corrective action, despite being notified in writing and through fax communications. 

Details of the Account and Issue 1. Account Information : Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX Date of Purchase : XX/XX/XXXX XXXX. Inaccurate Reporting : XXXX XXXX is inaccurately reporting this account as a charge-off on my credit report. According to the Internal Revenue Service ( IRS ), a charge-off or cancellation of debt must be reported as gross income using IRS Form 1099-C if the amount exceeds {$600.00}. XXXX XXXX has failed to provide this form, which indicates the debt has not been properly canceled, and their reporting remains false and misleading. 
XXXX. Failure to Comply with XXXX Regulations : XXXXXXXX XXXX  actions violate the FCRA, which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. They are also noncompliant with IRS regulations regarding the proper handling of charge-offs and debt cancellations. 

Timeline of Events and Evidence XXXX. Certified Dispute Letter Sent on XX/XX/XXXX : I sent a certified dispute letter to XXXX XXXX on XX/XX/XXXX, notifying them of the inaccurate reporting on my credit report. XXXX XXXX received this letter on XX/XX/XXXX, as confirmed by XXXX tracking. 
XXXX. XXXXXXXX XXXX Response on XX/XX/XXXX : On XX/XX/XXXX, XXXX XXXX responded with a letter claiming they were unable to process my dispute due to insufficient information. However, my original dispute letter included all necessary details and the reasons why the reporting was inaccurate. 
XXXX. Follow-Up Fax Sent on XX/XX/XXXX : To address their response, I faxed a follow-up letter to XXXX XXXX on XX/XX/XXXX at fax number XXXX. This letter : Confirmed receipt of their XX/XX/XXXX response. 
Restated the inaccuracies in their reporting. 
Clarified that they were required to take corrective action by XX/XX/XXXX, which marked XXXX calendar days from their receipt of my original dispute letter on XX/XX/XXXX. 
XXXX. Failure to Take Corrective Action : XXXX XXXX failed to comply with the XXXX deadline and has not corrected or deleted the inaccurate information.
Product: Credit reporting or other personal consumer reports

After noticing multiple errors and inaccuracies and notifying both XXXX and cfpb There are still inaccuracies and incorrect information being displayed on my report My name is only spelled and reads XXXX XXXX XXXX, Employed should only read XXXX XXXX XXXX XXXX XXXX XXXX XXXXc and the address should reflect XXXX XXXX XXXX XXXX XXXX Md XXXX, XXXX XXXX XXXX XXXX Md XXXX and XXXX XXXX XXXX XXXX Md XXXX. XXXX XXXX is a fraudulent address There is also still an inquiry from XXXX XXXX XXXX which was not authorized by me. 
No phone number should be listed as I prefer in person contact to avoid any confusion involving my identity. 
As a XXXX  I am constantly fighting to protect my personal identity, bank accounts and more including family. 
Me and my Girlfriend are currently still facing identity theft and are constantly being attacked by whoever has my information I have been battling with identity theft since XXXX  and the XXXX data breach has only made it worse for myself and now my girlfriend who is now finding unauthorized accounts and more under her name she did not even know existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX I have always maintained that I had paid this account and then only then they started charging late fees, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. 
Looking at my Experian credit report now, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. 
They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate .incomplete and is no longer fair. 
This account should be deleted from my credit report. 







XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Saying I owe at Wells Fargo and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased two air plane tickets from the merchant ASAP Tickets for the cost of {$950.00} and {$990.00} to a flight to XXXX on XX/XX/2021. 

Upon arrival to the airport I immediately proceeded to check in with the airlines, XXXX, but was denied entry on the basis that the Covid policy changed from 72 hours to 48 hours the prior week. I had the proper negative covid results but did not receive any direct notification that the policy has changed, only a link within the booking confirmation was circulated. By that time I had the test scheduled and everything planned for the trip. 

After upon hearing that I could not board the flight I immediately called ASAP tickets to see if they could help the situation but they did little to help, along with the airlines themselves. 

I attempted to changed the itinerary but merchant customer service was unresponsive. I then immediately filed a dispute with the credit card, Citibank, on XX/XX/2021. 

They opened the dispute and provided me with conditional credit while the dispute was open. 

Citibank contacted the merchant and the merchant responded after nearly a month with their paperwork. I then provided my paperwork along with my comments. Nearly another month went by when the merchant was again allowed to provide additional information but I was not. 

Citibank ended up denying my dispute on the basis that the ticket was non-refunded able and suggested I should get in touch directly with the merchant. I strongly believe that the dispute was done haphazardly and only focused on the " non-refundable '' element of the merchant 's policy and not the fact that I was not provided adequate information regarding the Covid policy changes. 

The merchant has a history of providing terrible customer service. As you will see in my documentation I contacted the customer service many times but never had a concrete response regarding a refund or potential travel credit.
Product: Credit card

XXXX XXXX spoke to customer service ( chase XXXX XXXX XXXX XXXX agent who said she could not offer promotions being offered to New Card members to myself who has had card since XXXX. Pay my bill in full each month. I explained that being a loyal card holder that I receive no promotions. Better if I cancel card and reapply to get ex. Bonus points, companion pass etc. I explained that I would like to speak to the retention department which she stated she didnt think they were opened ( it was XXXX XXXX XXXX  ) then she transferred me and a recording came on stating they were busy and to call back. Disconnect. Too bad Chase/XXXX do not care about loyal paying customers.
Product: Debt collection

Dear Cfpb ; CCS Companies. 

There are XXXX accounts under name name and ssn number on my credit report that i believe is fraud and i have no knowledge of this company. I am writing to formally dispute the existence and validity of XXXX alleged accounts appearing on my credit report, which I believe to be fraudulent. These accounts have been confirmed by you, the CCS XXXX, despite my lack of any prior knowledge or relationship with your agency or the original creditors associated with these debts. 

Upon reviewing the details provided by the credit reporting agency, it is evident that there are numerous inaccuracies in the reporting of these accounts, which directly contravene the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In an effort to resolve this matter amicably, I request that you provide the following documentation as proof of the alleged debts : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) pertaining to this matter.

Documentation of the legal basis for your collection of information. 
Documentation of the legal basis for your collection of the alleged debts. 
Proof of your authorization to conduct business or operate in my state. 
Evidence of the alleged debts, including any contracts or instruments bearing my signature. 
A comprehensive account history, detailing any charges added for collection activities. 
I am filing this complaint due to the violation of my consumer rights as guaranteed by the FCRA and FDCPA. Specifically, I assert the following violations : Violation of 15 U.S.C. 602 ( a ) regarding privacy rights.

Violation of 15 U.S.C. 604 ( a ) ( 2 ) concerning the furnishing of account information without my written consent.

Furthermore, I demand an immediate cessation of all communication and collection activities related to these disputed accounts. Additionally, I request the prompt removal of these accounts from my credit report, as they are unrecognized by me and lack any basis in contractual obligation. 

Your actions have also violated specific provisions of the FDCPA, including but not limited to : 1692d : Harassment, oppression, or abuse in connection with the collection of a debt.

1692e : Use of false, deceptive, or misleading representations.

1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt.

1692e ( 5 ) : Threats of legal action not legally permissible or intended.

1692g ( b ) : Failure to disclose clearly the validation rights of the alleged debt.

1692f : Use of unfair or unconscionable means to collect or attempt to collect a debt.
Product: Student loan

CFPB I want to submit complaint for the improper use of my important information that was obtained by or several people who used my identity for their own gain that has caused a lot of damage to my credit score and to my own personal financial security. I know 100 % my credit was used improperly and without my consent. My information was linked and use for other people purposes. I need for this information to be handled right.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX XXXXXXXX
Product: Mortgage

Dear Director of Consumer Financial Protection Bureau, I am writing you regarding the deceiving practices manifested by United Wholesale Mortgage.

UWM is BYPASSING you and they TAKE ADVANTAGE OF ME. 
United Wholesale Mortgage DOESN'T ANSWER the COMPLAINTS Take for instance the complaint XXXX. 
They falsely pretended to respond by adding to their response tens of pages UNRELATED with the issue. ( none of the pages is relevant to the complaint ). 
This manipulates your website ( CFPB ) and also BYPASS a legal requirement to respond in 60 days, because in fact they never answered. 
I am addressing this concern since it already happened 2 times to me with my previous complaints. 
I believe your role is to protects us as consumers, but UWM practices creates so many " entreprenurial '' misleading to BYPASS YOU and to hide the overcharges and violations.

I repeat : THEY MAKE IT LOOK LIKE THEY ANSWER but in reality THEY ATTACHED TENS OF PAGES UNRELATED WITH THE ANSWER because they can BYPASS YOU and AVOID to CORRECT THE ABUSE AGAINST ME.

Please read carefully the COMPLAINTXXXX AND PLEASE READ CAREFULLY THE ANSWER. 
They BYPASS you and they make you CLOSE THE COMPLAINTS without actually answering. 
This creates lots of injuries to me as a consumer. If they BYPASS TO ANSWER HERE, ON CFPB website, can you imagine how much they VIOLATE RESPA on other circumstances and avoiding to answer or to correct the abuse?

This means I remained injured and this system is BYPASSED AND COUNTERPRODUCTIVE. please help! Please look into this situation, this company acted very dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX  XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX   XXXX XXXX  XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX ; by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX ; And to Equifax via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received and email from XXXX onXX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Product: Vehicle loan or lease

In XXXX of XXXX my car was repossessed due to late payments. They show me 30 days late in the months leading up to the repo. They had a technical glitch that affected thousands of customers. In a press release they promised no customer would be compromised. I'm not sure if the glitch was the problem but here is my concern .... 

In XXXX of XXXX they are reporting to the credit agencies a payment of {$970.00}. After a year of my car being repossessed I've finally managed to figure out with GM Financial customer service that they received a payment of {$480.00}. Because of their error and complications on making payments because of their glitch, my payments showed late when they were supposed to be a month ahead. 

I tried resolving this with them but they said they said I did not have an account with them. I never received all the proper documents when my car was repossessed and only found out when the lot my car was towed to called me to have my personal belongings picked up. 

Finally a year later I'm able to confirm with GM account details. But every call I make to them they send me to different departments to answer my questions. But with no resolution. 

I was given no opportunity to make right on my loan because of their negligence and am seeking help to resolve the matter of their wrongful and unlawful reposession.
Product: Mortgage

This is from XXXX XXXX from XXXX and XXXX. " The modification and documents on the house were not done properly and at the time of the foreclosure sale he was still on title, therefore, he is entitled to his 50 % portion. '' I believe I was mislead by Wells Fargo and their title company XXXX XXXX XXXX, and when I was entitled to surplus funds I only received half because of them. I was never told this. I believe your company never found this out and therefore I am them victim of Wells Fargo loan modification scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 158 USC 1681. 

XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I received a text message about debt but have no idea what this is for or what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged hard inquiries attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *******
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I've tried to apply for an apartment and was denied due to an inaccurate and unlawfully reporting account onto my credit report. FAIR COLLECTIONS & OUT are reporting multiple balances to different CRAs and has violated the Fair Credit Reporting Act pursuant to 15 USC 1681s-2b and are liable for actual damages and statutory damages of {$1000.00} per violation. I have not been able to apply for housing or a vehicle to commute to work due to this error. I have contacted the company and they respond with frivolous letters that does not address my issues. They claim that I owe a balance that I do not owe and they even admitted to it verbally on a recorded call.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. the consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified I demand these payments be updated to paid on time immediately. thank you for your understanding and prompt action!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint LENDING TREE is CONSTANTLY sending me Emails/Texts on my personal financial history WITHOUT MY CONSENT!!! Example ... How they know my remaining balance of mortgage. My options of personal loan. I went on website to learn more about OBTAINING A PERSONAL LOAN ... But NEVER AGREED UPON IT!!!!. Please help ... THANK YOU FOR YOUR TIME