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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$3400.00}
Product: Payday loan, title loan, or personal loan

I applied for a loan of XXXX with One Main Financial loan. On the enitre site and terms did it not state that I have to be a resident of North Dakota nor a problem with my address. I have made multiple calls to both the XXXX branch and XXXX branch told them my address. I also told the XXXX branch what my address is and located for. I called the OneMain Financial branch in XXXX and XXXX, ND and I informed of the XXXX XXXX XXXX XXXX XXXX nd is my address. I informed that the house in XXXX XXXX  XXXX is on sale and i need the load for multiple things like deposit and car. I went to the XXXX   nd branch due to the fact that the XXXX  branch bus directions online lead me there. The person at the desk printed my ID off I told him my address, ask me for more information, I told him my address and if there anything I need. Just a Social Security Card. I gave them a passport and he said I have ot be a resident. I have already informed that and he kept taking more and more info about my social security and my dob. I have called XXXX and they stated I need a address on which i gave. I even gave my bank mailing address for my bank info.
Product: Payday loan, title loan, or personal loan

I have unsecured installment loan with Wells Fargo ( account # XXXX XXXX XXXX XXXX ) that was arrange through the company that replaced my furnace and AC unit in XXXX. The original loan amount was approximately {$13000.00}. 

In the spring of XXXX I had a flood at my home and I arranged for XXXX XXXX XXXX to mitigate the damage which cost XXXX ( cheque # XXXX ) In XXXX of XXXX, made my month payment to Wells Fargo of {$230.00}. I also paid XXXX XXXX the full amount owed. Unfortunately, I placed the cheques in the wrong envelopes ; XXXX XXXX received Wells Fargo 's payment and Wells Fargo Received XXXX XXXX ' cheque. I was alerted to the mistake when the accounts received people at XXXX XXXX called saying the received a cheque made out to Wells Fargo. The agreed to return the cheque to me. 

I called Wells Fargo 's Customer service number on or about XX/XX/XXXX and informed them of the error. They stated that had cashed the cheque made out to XXXX XXXX and Credited my loan account. 

I explained the mix up and asked them to refund the amount I had paid them in error and inquiring why they cashed a cheque that was clearly not written to them. 

Wells Fargo agreed to return the money to me in ELEVEN day less the loan payment amount and would charge a late fee of {$38.00}. 

At time of writing ( XX/XX/XXXX ) I have not received the reimbursement I asked for and paid for with the service fee. 

Now XXXX XXXX is beginning legal action for non-payment. 

Please help me recover my money.
Product: Student loan

I qualified for Public Service Loan Forgivness back in XX/XX/year>. Received a letter from StudentAid.gov stating my remaining two loans qualified for forgiveness and would be discharged within 30 days ( letter was on XX/XX/year> ). One loan was discharged. The remaining loan is still on MOHELAs site and StudentAid.gov. MOHELA said it could take 90 business days. They still have yet to discharge my loan which StudentAid.gov shows I have fulfilled my obligation to receive forgiveness on.
Product: Checking or savings account

Loan was paid off and a year later It shows account was charged off.
Product: Debt collection

This letter is regarding subject account XXXX  XXXX, which you claim my account was charged off {$2700.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Furthermore, this account has been paid in full of a final payment of {$750.00} made on XX/XX/2024. I request that you provide documentation of the complete satisfaction and payment of this debt and that its reporting to all credit bureaus to the same. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank lowered the credit limit on my Walmart Credit Card by {$2800.00} for no reason and without notice. This makes it appear that I am using a higher percentage of the available credit and lowers my credit score and FICO score. One of the reasons cited is that the accounts listed on the report have balance and the balances are too high. The reason that the balance appears to high is banks lower the credit limit making appear that I am using a higher percentage of the credit limit and Synchrony has not provided any notice or statement on the credit report that they reduced the credit limit. I would like for them to explain what this accomplishes and what the objective is by lower my credit limit. When I called to discuss the robotic representative just read me a letter that they claim was sent but never received by me. When I asked if there was an appeals or review process I never received an answer and the representative just hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt at trying to rectify this matter with Experian. Either the credit bureau disputes specialists are blantanly disregarding the irrefutable facts of the inaccuracies on my credit report or thier E-Oscar system is auto denying my disputes in regards to this account. 

Someone from the CFPB please take a look at this screenshot from Experians webiste from today XXXX and as you can see this is grounds for deletion. 

How is the original balance owed {$1500.00}, but the balance being reported is {$1500.00}? 

This is INACCURATE REPORTING. This is 100 % irrefutable grounds for deletion. Factual reported data straight from Experian.com. 

Ive already contacted XXXX XXXX at my state attorneys general office to assist in this matter as well as Experian 's business ethics are in question at this point.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Transaction number " XXXX '' ===== XX/XX/XXXX Completed XXXX XXXX XXXX, XXXX. 
" consultation '' {$400.00} Contacted XXXX Bank : to request a refund from a bad merchant. Claims that XXXX does not have any capability to request a refund. 

Contacted Zelle : claims that all inquiry needs to be communicated through XXXX, and refuses to address or provide any support.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX - Incorrect Employers XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX Incorrect Address XXXX XXXX - Incorrect Address XXXX  - Incorrect Date of Birth XXXX, XXXX, XXXX XXXX Incorrect Name
Product: Credit card or prepaid card

Hello, I made a purchase using a XXXX credit card in XXXX totaling {$35.00}. Within XXXX weeks, I attempted to pay the card but the XXXX website was down. When I was finally able to log in, I noticed I was charged a late fee. I decided to call but the lines were also down so I decided eventually to message them. I informed them that I was charged a late fee and that I would like to have it waived since that was not my fault. Their website is constantly down. I explained to them that they were continuing to charge me a late fee over that initial late fee and they decided to credit my account with $ XXXX this is less than the late fee they are charging me. They noted that I wasnt charged a late fee for XXXX months- but that was in XXXX and XXXX because I had made a payment for my initial balance, not due to any of their own generosity. Somehow- despite paying {$36.00} and supposedly getting a credit of {$29.00}, I now owe {$100.00}, all stemming from the late fees that have been piled onto my card. Ive tried to have this issue resolved through XXXX messaging service and there is no form of accountability for their own poor payment services. This has been a very frustrating situation, especially considering their slow customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX with equifax waited 30 days never got a response in the mail I called equifax on the phone spoke with the repsentative would not give me information on dispute told me i got a response in the mail online my credit reports customer dispute .. but there is no action taken if the account was verified or not its XX/XX/XXXX no answer .. I also disputed XXXX XXXX  and with a 609 letter waiting to see proof that the account belongs to me i never got a responed i sent in information in XXXX XXXX and i was suppose to get a a disputed response by XX/XX/XXXX no response in the mail the loan company XXXX XXXX is a fraud account i never open or signed for i also tried to get in touch with possible finance and i cant get through to them
Product: Credit reporting

Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Equifax requesting that the inaccurate debt information and public record listed on my credit report be removed. I did not receive a response.
Product: Mortgage

In XXXX of XXXX I submitted a written request to Wells Fargo to have the property tax portion of my escrow account payments disbursed when payments are due rather than annually, as is allowed per Wisconsin Statute XXXX paragraph XXXX due to my fulfilling the requirements of XXXX paragraph XXXX. I spent countless hours on the phone will all levels of customer service, who insisted that I must adhere to a single tax escrow payment annually. Only upon citing specific sections of Wisconsin and Federal statute did Wells Fargo agree to follow the law. 

XXXX taxes were disbursed without incident, however upon receiving my escrow account analysis for XXXX I noticed that Wells Fargo disregarded this requirement in XXXX. In XXXX XXXX, Wells Fargo disbursed the entire property tax payment in XXXX rather than in two installments per my written request. In addition, they miscalculated the actual amount of property taxes due, and based the new escrow analysis on annual taxes of {$3700.00} rather than my actual taxes which are {$2400.00}. This early payment combined with the wrong tax amount caused a shortfall in my escrow account, which Wells Fargo is attempting to recoup by increasing my monthly payment. 

If the correct disbursement terms had been followed, the escrow analysis would have found there is more than a two month surplus in the account which is the maximum cushion allowed under Chapter XXXX of RESPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 reporting or other personal consumer reports

Notice of Legal Violations Credit Report Inaccuracies I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify TransUnion of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX  XXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Request for Thorough Investigation : I kindly request that TransUnion conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed ASA. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. 

Thank you for your understanding and cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have paid off M & T BANK, but they refuse to offset their books to show my account paid in full on XX/XX/2022. In addition to this Writ of Quo Warranto was sent to XXXX XXXX and XXXX XXXX XXXX. Then recorded on the public record. 
The deed was reconveyed to me and recorded on the record and signed off of by the chief judge and yet M & T and their XXXX partners are trying to disregard all of this and give the false impression that they have a legal interest in the home. Their shadow title and their claim as the principal XXXX XXXX XXXX attorney in fact has been dissolved and recorded on the record Georgia revocation of Power of Attorney. 
XXXX XXXX. is the attorney and debt collection company in this collusive XXXX action. Their CEO XXXX XXXX was also served with a writ of Quo Warranto and he did not answer. He was also sent the recorded revocation of power of attorney dissolving the attorney-in-fact relationship and their fraudulent activity. Seeing that XXXX and M & T refuse to adhere to the law but use a statute ( which is not a law ) to justify their actions I am forced to present them with the attached lawsuit for their criminal activity. XXXX XXXX has been served with a special deposit to access the spendthrift account and offset the account according to the FAS XXXX, XXXX books. I am also ordering the judge to subpoena both sets of boos and all accounts as Banks are known to keep more than one set of books. one liability and one asset. usually, the accounts have no knowledge of the other. So when a complaint like mine comes in they can not fine the offset documented. They will show up in court and sign an affidavit to testify and not lose sleep because they genuinely do not know of the separate books. The other misconception is that banks deal with money... they do not they are in the business of selling securities which begin as promissory notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from UNITED AUTO CREDIT CO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Mortgage

I originated this loan in XX/XX/XXXX as my primary residence. Since then, I have repeatedly told Dovenmuehle that my mailing address should be the same as my property address. I purchased this home as my primary residence and sold the other home I was living in during XX/XX/XXXX. As you can imagine, that means I moved out of my old house and into my new house, which is the subject property. 
I have no connection to the home I sold but the company has consistently refused to updated my mailing address. Each time I call in, they tell me that it's their policy that they must receive a signed request from both borrowers to update the mailing address. I have explained to them each time that I will not be doing so, this is not an update but a correction. There has been no change in my mailing address since I originated this loan. It's their responsibility to correct the error that they made when they set up my loan with the wrong mailing address. They just keep quoting policy and will not see reason. 

I spoke to a representative named XXXX today XX/XX/XXXX and a supervisor who told me they were unwilling and unable to help me. I explained that I would be submitting a complaint if they did not try to help me, and they still had the same unhelpful and uninterested attitude about the whole situation.
Product: Mortgage

Wells Fargo offered lower payments during covid and since then I have been charged late fees and they say I have missed a payment showing an additional mortgage payment is due. I have written the company and showed no payments missed. I have called repeatedly to no avail. Recently I tried to do a cash out refinance but was turned down. This has been going on since covid.
Product: Mortgage

First of all, thank you for handling my Complaint. 
After reading the Consumer Financial Protection Bureau Rules to protect homeowners,I can briefly write my Complaint by saying that:"Rushmore Loan Management Services has violated each and every one of the Rules"
I am trusting that you will base your final conclusions on facts and evidence and not words written in a piece of paper, that is why I am presenting each of my TRUE statements with documents attached.
Please, know that the least I expect is the same from Rushmore.
On XX/XX/XXXX 2014, Instead of Rushmore informing me that they were the NEW Servicer, I found out because I received an e-mail XXXX, saying that Rushmore was going to continue processing my Loan Modification request and Rushmore HAS NOT UNDERWRITTEN MY FILE! (Exhibit G).
For fifteen months I have been calling and sending e-mails and ALL Rushmore's employee refused to talk to me. All of them refer me to Rushmore Attorney, XXXX who does not answer either!
My Complaint has more characters that the ones remainning therefore I will be attaching my three pages Complaint for your review and consideration.
It is with gratitude in my heart for the existence of Consumer Financial Protection Bureau that I place this complaint against Rushmore.
Sincerely,
XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. 

I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. This lack of support is deeply troubling and raises questions about the effectiveness of Zelle 's consumer protection measures. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and fraud. 

As a consumer, I believe it is crucial for financial platforms to prioritize the safety and security of their users. I urge Zelle and my financial institution to take immediate steps to improve their handling of disputes and to implement stronger protections against fraudulent activities. 

Thank you for your attention to this serious matter. I look forward to your prompt response and a resolution to my concerns