23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XX/XX/XXXX, I received an advertisement letter from a XXXX XXXX attorney 's office, stating a lawsuit was filed against me by Midland Credit Management on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, Place 1 : XXXX. Later in the day, on XX/XX/XXXX, I XXXX Midland Credit Management to get an XXXX # to call to inquire. I called XXXX & spoke to a female Law Dept representative. I told her of this letter I'd received today, stating Midland filed a lawsuit against me, I asked what it was about, as I'd not received ANYTHING ELSE in regards to a lawsuit, I was incredibly confused because there is nothing from Midland Credit Management on any of my 3 credit reports, nor anything from XXXX XXXX on any of my 3 credit reports & I had no idea what was happening. She stated a lawsuit was filed against me for a supposed debt over {$2000.00}, Midland purchased from an old XXXXXXXX XXXX credit account I'd from XXXX, when I was single, from XXXX & before. But if I paid in full or agreed to pay $ XXXX for the entire " owed '' amount, I'd not get in trouble, I'd not have mine or my husband 's wages garnished, I'd not have a judgement against me, I'd not have any bank accounts garnished & I'd not have anything " taken '' that I owned. I informed her that 1st, the " over {$2000.00} '' amount Midland says I owe was MUCH more than what I'd owed to original creditor long ago & my only income now is XXXX XXXX  XXXX, I incurred the original debt when I was single ( before I was ever married ), when I lived in XXXX & my last payment to original creditor was made in XXXX. I now live in XXXX & a lawsuit has apparently been filed against me in XXXX, tho I lived in XXXX when I'd original credit account. XXXX statute of limitations on credit card debt is 4yrs & it's been more than 4yrs since a payment was made to original credit account. I've not been served any court documents yet. This Midland Credit Management representative refused to listen to anything I'd to say & continuously stated I must pay ASAP to not get into legal trouble. I stated I owned nothing, no property, I get food stamps, am talking to her on a free Government cell phone & this is an old debt from a different state from before I was married, I'd been served no court documents & nothing was on any of my credit accounts.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One wrongly did a derogatory mark on my credit knowing that the case # XXXX and # XXXX on cfpb was in my favor. According with the last statement I did not have to pay what they were wrongly charging me but also they gave me MONETARY RELIEF AMOUNT of {$320.00}. Even with those cases was in my favor Capital One still decided go ahead and charging me anyways and on top of that they put a derogatory mark on my credit.
Product: Debt collection

Scott Parnell & Associates, PC. 's ( XXXX ) Attorney Michael J. Scott ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called XXXX XXXX and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?
Product: Debt collection

LVNV Funding LLC is being negligent and unfair. This company has damaged me financially and emotionally. This situation is overwhelming and I hope to get a fair solution. 

Account involved : LVNV Funding LLC account, opened on XX/XX/2019, highest balance {$2200.00}, original creditor :XX/XX/XXXXXXXX. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). This company has committed multiple violations of the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act and California Credit Reporting Agencies act : USING AUTOMATED DIALER. 
EXCESIVE PHONE CALLS WITHOUT PRIOR AUTHORIZATION BY LVNV AND ITS SUBSIDIARIES. 
CALLING DESPITE PRIOR NOTICE TO STOP CALLING. 
MISREPORTING DATE OF LAST ACTIVITY. 
UNSUBSTANTIAL INTEREST CHARGES BY ORIGINAL CREDITOR. 
FAILURE BY ORIGINAL CREDITOR TO PRODUCE DEBT INSTRUMENT AND PROOF OF CHARGES. 
REAGING ACCOUNT. 
NEGLIGENCE. 
UNFAIR BUSINESS PRACTICES All I am asking is the cancelation of debt and deletion from all bureaus. 

Please be aware that I am willing to take this issue to the next level. If judge is needed, I will take the case to a courthouse so I can get a fair solution to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX & XX/XX/XXXX, two different unauthorized transactions ( {$1500.00} each ) amounting to {$3000.00} was sent out of my Wells Fargo saving account via XXXX without my authorization. Due to the fact Wells Fargo is not my primary bank, I did not notice these transactions until XX/XX/2023, I immediately called Wells Fargo and filed a dispute ( Case number XXXX ). I was told that the investigation may take until XXXX business days for a resolution, and Well 's Fargo instructed me to change my username/password for security purposes. Today, XX/XX/2023, I received an update from an supervisor that my case has been denied. I was very shocked, as without doubt I did NOT make or authorize these transactions. I went straight into the branch and the branch manager filed an " Escalation complaint '', the complaint number provided is XXXX. I was told it would be assigned to a member of the executive office within XXXX business days. 

Well 's Fargo does not understand or seem to care that this money is my livelihood and savings, and they do not seem to be taking it serious. Within XXXX hours they had a decision, when I was told it takes XXXX business days, they clearly rushed the investigation and didn't do proper due diligence. I attempted to reach out to Wells Fargo at XXXX PM and spoke to XXXX XXXX - Customer Advocac. I have filed a police incident number and that is XXXX, XXXX XXXX Police department and I have also filed a fraud alert with XXXX XXXX XXXX ( mobile provider ) because the fraudulent person may have gotten access to my credentials some way or another, both are attached below. 

I am demanding full credit of {$3000.00} back to my account and for the person who did this to be held accountable.
Product: Credit reporting or other personal consumer reports

i requested XXXX and keypoint to Please remove the unauthorized inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of 30 days I have filed a dispute in regards to inaccurate and false information on my credit report. Ive attached a copy of my dispute mailed in certified to Equifax and they are still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account.

Further more, I would like to make a formal complaint that Ive tried calling Equifax Over 10 times this week and every single time Ive called Ive asked for a representative in the fraud dispute department wants transfer it over there when you speak to the representative and let them know that you are looking to dispute inquiries and accounts due to fraud they immediately transfer you to their survey line essentially ending the call. I believe Equifax is training their representatives to not help consumers over the phone and performing unethical practices. 

Once I finally got a hold of a representative she told me that she could not help because I did not send in my Social Security card which violates my consumer rights. So Im Making a formal CFPB complaint that you will correct Equifaxs actions. 

Below Ive written what is also included in the files uploaded, my disputes for inaccuracies on my credit report.
Product: Credit reporting

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is negative. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2020 even though I received a XXXX Cancellation of Debt from XXXX XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

had an account through Chime Bank and my card was stolen. I lost over XXXX of my stimulus check, I filled a dispute and was not given anytime to send in my claim form. They never sent it to me until I had to call them and remind them. 

I was told I had time to get it in and the next day they denied me. They never received any of my responses or evidence and would not send me any Information the investigation and closed my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

My wife is shopping for home loan pre-approval and provided information to XXXX XXXX NMLS ID # XXXX ( XXXX ) XXXX XXXX and provided my S.S. Number which she copied incorrectly. XXXX took it upon herself to pull my credit via other means as she did t have to correct XXXX number. Also, when I had a conversation with XXXX XXXX I specifically asked if the credit pul would be a hard inquiry, which she informed me it wouldnt. I called to speak with her and she became irate yelled at me and then hung up on me. I would like the situation rectified as my XXXX XXXX has decreased because if this.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXXXXXX XXXX, {$8600.00} opened XX/XX/XXXX, XXXX {$23000.00} opened XX/XX/XXXX, XXXX {$13000.00} opened XX/XX/XXXX, XXXX XXXX {$3100.00} opened XX/XX/XXXX, XXXX XXXX XXXX {$380.00} opened XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit file Equifax deleted my accounts that should be on my credit file. 1. XXXX  credit card 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX these are all of my credit cards that have positive ratings this error has caused my credit score to drop 110 points. This is unacceptable
Product: Debt collection

Dear National Credit Systems and CFPB, I am formally disputing the validity of this collection account and requesting its immediate removal from my credit report. While National Credit Systems , Inc. ( NCS ) has provided a breakdown of charges, they have failed to establish that I am legally responsible for this debt for the following reasons : 1. No Verifiable Evidence That I Owe This Debt I never lived at the address associated with this alleged debt.

There is no record on any credit reporting agency ( CRA ) that supports my residency at the stated location.

- The contract document provided contains only a typed set of initials, ( from some IP address that Ive discovered, using XXXX XXXX, indicates it was from the city of XXXX, XXXX Ive lived in XXXX XXXX XXXX and moved here from XXXX XXXX where I was born and lived most of my life ), which does not constitute legally binding proof that I entered into any agreement or assumed financial responsibility. 
- Providing a list of charges does not prove that I personally incurred or authorized any financial obligations.

2. Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate or unverifiable information to CRAs.

- NCS and the original creditor have failed to provide sufficient legal proof tying me to this debt, yet they continue to report it. If this debt remains on my credit report without proper validation, this constitutes a clear violation of the FCRA and I will consider legal action.

3. Failure to Validate Debt Under the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S.C. 1692g, I have the right to request full validation of this debt. This means providing : - A legally binding contract with my wet ink signature. - Verifiable proof that I resided at the property.

- A legally enforceable agreement obligating me to pay the charges. Simply providing a breakdown of charges does not satisfy this requirement. The burden of proof lies with NCS and the original creditor, not with me.

Requested Action : I demand that National Credit Systems , Inc. and the original creditor : Immediately remove this unverifiable debt from my credit report under 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Provide indisputable proof that I signed a legally binding agreement and resided at the property.

If they can not provide proper documentation, they must cease all collection efforts and remove the account permanently.

If this matter is not resolved, I will pursue all available legal remedies, including a complaint with the Federal Trade Commission ( FTC ) and possible litigation for violations of the FCRA and FDCPA. I expect the CFPB to investigate this issue thoroughly, as I have been disputing it for almost XXXX years without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. 
I also paid XXXX XXXX XXXX  in full and asked if my credit can be updated, I submitted a dispute with XXXX  XXXX  and was told that the debt was still not paid, and my XXXX  XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was repossessed by XXXX XXXX XXXX XXXX. On XX/XX/XXXX I talked to loss mitigation said they are in the process of charging off my 2 credit cards with 2 loans. They said the total of my charge off would be XXXX. I said that I would like to pay off my auto loan to get my vehicle back. They said that would be okay, if it was before XX/XX/XXXX. They informed me they will hold off on the charging off, If I paid off the auto loan, repo fee, and storage fee by XXXX. She said the total will be XXXX that they also would not give me my title tell the other account have been paid off. on XX/XX/XXXX I paid the bank XXXX and loss mitigation supervisor told me it did not cover the repo fee and they would just be tagged onto my other debt that is owed. At the time I asked how much it would be and they would not informed me cause they didnt know how much it would be. They also said they would email me my paperwork and did not. Later on XX/XX/XXXX I received a call from the same loss mitigation agent that has been talking with me throughout this repossession. 
she was asking for a verbal agreement on how much I can pay a month to settle my other debt. I just started my new job on XX/XX/XXXX so just gave a rough estimate of XXXX. Now I been paying XXXX every month so far. I ask when I might get my title since the auto loan is paid off and they stated when my debt is paid in full. Its been a fight to get any documents from them about my repossession, or a charge off. They stated they cant provide any documentation of the charge off because they will have to send my account to legal and my car would be repossessed again. Its been a struggle cause I can not pay anything but the XXXX or they send me email starting avoid any possible legal action at this time. After demanding the repression paper work they only will send me the documents of the paperwork that I signed to get my vehicle back and not the auto loan being paid off and the total. When ever I do they said they cant provide it or they will need to send my account to legal. I have no paperwork showing that they can hold my title for collateral for my other debt. Every person I talk to said this very strange for a bank to be this way. So I am reaching out to see if they are doing everything correctly. Thank you so much for your help
Product: Credit card

I mistakenly transferred money from BoA checking to a BoA credit card WAY more than what I owe. I tried to stop the payment immediately but the BoA manager said I needed to wait until the payment went through to the CC and it would be returned to my savings account in 24-48 hours. 

I called back after 6 days wondering where my refund was and they said the money would be returned to me in up to 14 days. Meanwhile, I can not pay my bills and am bouncing checking which they say I'll have to pay fees on. I don't see why it takes 14 days to return an overpayment to a BoA Credit Card when the money came out of a BoA Checking Account. 

I've spent more than 6 hours on the phone trying to work this out as I need my money to pay the bill. Everyone I've spoken to at BoA says that the people at BoA who authorize the refund can not be contacted by anyone at the bank.
Product: Mortgage

I am paying extra principal and on an every two week payment plan, and I am trying to get a written amortization schedule. I sent my request in writing only to be told via e-mail on XX/XX/XXXX that I must call. 

I called today and spoke with someone in Customer service. She told me to go online and there was a calculator there that I could use, so I kept her on the phone so that she could help me, only to discover that the calculator could not compute this for my situation. I asked to speak to a manager, and received XXXX ( who can not give out her last name ), Escalation Specialist, # XXXX, who also could not assist. 

All I want is a written amortization schedule showing how this loan will be paid off over time by making my every other week payment and extra principal. I was told that they could not give me this in writing because it would be an estimate. That makes absolutley no sense since this is a fixed loan, paying it a fixed way, with a fixed interest rate and a fixed amount of extra principal. 

Is something being hidden by Flagstar that they can not show? It is very odd. 

I will appreciate your assistance.