23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a friend to send the company a bonded promissory note to pay off my mortgage. The company said they couldn't accept it, but refused to return it. This was in XXXX. They foreclosed on my home, even though they had the payment. We learned, about a week ago, that the company, Wells Fargo has been trading the bonded promissory note for all these years and earning money from it, but never used any of the proceeds to pay off my mortgage, nor did they send any earnings to my friend. This is wrongful foreclosure. I, myself, also sent them a promissory note in XXXX which they kept as well. They have been paid several times over, but still are trying to have the Sheriff to put me and my wife out of our home. My friend sent the bonded promissory note by registered mail. We have also learned that Wells Fargo is also trading the registered mail label account number, which my friend had already claimed as collateral on a XXXX Financing Statement before it was used for the mailing. They have not forwarded any earning to her for that, either.
Product: Credit reporting or other personal consumer reports

SELF FINANCIAL LEAD- ACCOUNT # XXXX I am writing to inform you that there is inaccurate information being reported on my consumer report, which is a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is mandatory for you to report accurate information to credit reporting agencies. 

I am hereby formally notifying you of my demand for arbitration in accordance with my rights under the FCRA. You are granted XXXX  days to rectify and remove the inaccurate information from my report. Failure to satisfactorily address this matter within the stipulated timeframe will compel me to proceed with arbitration. 

Under the FCRA, your company may be liable for fees associated with arbitration, including up to {$2000.00} for the arbitrators fees, in addition to damages resulting from willful neglect and non-compliance, as outlined in 15 USC 1681n. 

This communication serves as my final attempt to resolve this matter amicably before pursuing formal arbitration proceedings. 

I will present my factual evidence in arbitration that proves that this account is being reported inaccurately, inconsistently, incomplete, and deviates from the standard regulations of FCRA or you can remove the account and save time and money.
Product: Credit card or prepaid card

I was making regular payments until XX/XX/2020, until I was positive with XXXX. 
I lost my job due this, and also my father died due to the XXXX, I am now recovering from it. 
I can no longer make the full payments and the interests in late payments have increased a lot. I have tried to get them to help me but they do not, my credit has gone to the floor due to the reports from this company.
Product: Mortgage

We purchased a home through XXXX in 2015. We never missed or was late with payments. We later learned they transferred the mortgage to Roundpoint Mortgage Servicing. Again, we have never missed or been late with payments. If this is a " mortgage servicing '' company, do they own the mortgage or are they servicing it for XXXX. Neither will answer this question. The problem is Roundpoint is rude and difficult to deal with. They charge {$10.00} fee for using the automated system, which is absurd, but we used it once to make sure we were not late with the payment. Now they have sent us a threatening letter saying they will our bank information anytime they wish. I have explained to them we are calling our bank and blocking them from charging our account any further as they have they payment and {$10.00} fee. I only authorized a one time fee but they seem to think they can take whatever money they want. Most important - who owns the Mortgage?
Product: Mortgage

I have had a mortgage with XXXX ( serviced by XXXX since XX/XX/XXXX ). On XX/XX/XXXX, my mortgage was sold/switched to another Subservicer of XXXX, Nationstar. Since that time, my mortgage has not been reported to the credit bureaus. Consequently, I do n't have a current mortgage showing on my credit report. I am in the process of purchasing a new ( additional ) home ( closing scheduled for XXXX ... One week from today ), and my lender is telling me that it can not be processed until my existing mortgage is reflected on my credit report. I have made at least 6 calls to Nationstar customer service to find out when it will be reported. Nationstar told me they are legally prohibited from reporting my info for 60 days following the loan transfer. Today is day 65, and they have given me 6 different answers as to when it will definitively be reported : 1 ) automatically on day 60 ; 2 ) on the 10th day of this month ; 3 ) at the end of the month ; 4 ) at the end of the billing cycle ; 5 ) at the beginning of next month ; and 6 ) ' it has already been reported '. Today, they 'confirmed ' that it will be reported on the first of next month. I have begged them to manually override the system and report my mortgage info now. They said this is not possible. They told me that every lender has different policies, and this is their policy.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX  : ACCT # XXXXXXXX XXXX XXXX : ACCT # XXXX and ACCT # XXXX, XXXX XXXX  XXXX ACCT # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts and inquiries on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Convergent Outsourcing sent me a letter indicating I owed {$530.00}, the original creditor listed as XXXX XXXX ' The letter from Convergent referenced : Client Account # : XXXX Convergent Account # : XXXX I have never had a credit line with XXXX ; I contacted XXXX and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but XXXX  was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, XXXX XXXX
Product: Checking or savings account

Below is an email I sent the bank : I have called for 2 days to see why my payment was returned by you. Below is a screenshot from my credit card company showing the the ach payment for {$150.00} made XXXX was RETURNED by you and I have been charged a {$30.00} return fee. I was told by your representative XXXX at XXXXXXXX XXXX XXXX  that you had a system outage on XXXX  and since the payment was still pending that it would go through. Today I have received from my credit card company a charge of {$30.00} for a reversed payment and this is NOT my fault! There were plenty of funds in the account to cover the transaction
Product: Debt collection

I paid the car in FULL in XXXX 2012. This should NOT be on my credit reports! It was stated on my report that " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. '' I have contacted the company for THREE years with no response!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ) XXXX, XX/XX/XXXX, contents of complaint : this CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency block any 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 consist of a car loan account open with XXXX XXXX on XX/XX/XXXX account number ( XXXX ), a rental lease with XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number ( XXXX ) credit card account with XXXX opened on XX/XX/XXXX account number ( XXXX ), a collection with XXXX XXXX XXXX opened XXXX XXXX account number ( XXXX ). Credit card account with XXXXXXXX XXXX  opened XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer file credit report all of that aforementioned accounts collections are the results 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 collection accounts are the result of identity theft and fraud.
Product: Student loan

Navient locks you out of your account after only three tries when you make an error in typing in your info, but you have no idea which error you made. 

That might not be so bad except you ca n't unlock your account unless you call them during business hours mon-fri But working people ca n't take time to spend a half hour on the phone with them during m-f business hours. 

Why ca n't you even call them on a Saturday?
Product: Credit card or prepaid card

I took a trip to XXXX back in XXXX of XXXX, five unauthorized charges occurred while I was on the trip which I disputed ; dispute results came back with no satisfactory explanation of why they were rejects. 
Following are the transactions detail and dispute results : 1 ) XX/XX/XXXX {$1800.00} XXXX IN  XXXX XXXX XXXX unauthorized fraudulent charge During the visit, merchant had requested my credit card to be held for security reason, I assumed since its a restaurant bar, they wanted to make sure that the bill will be paid, therefore, I was ok with the hold. This charge was paid by a group of us in cash at the end of the night, but the merchant still charged my credit card. 
On XX/XX/XXXX, I disputed the charge, Citi completed the investigation on XX/XX/XXXX with the following statement After reviewing your dispute and the information you provided, were unable to resolve the dispute in your favor. I have never heard of a dispute like this that is so obviously fraud, yet Citi resolved in merchants favor! No further explanation from Citi as why this was rejected. 
2 ) XX/XX/XXXX XXXX identical charges of {$160.00} XXXX  unauthorized fraudulent charges On XX/XX/XXXX, I disputed the charges, Citi completed the investigation on XX/XX/XXXX with the conclusion of resolved in merchants favor. Citi rejected the dispute based upon four identical charge amounts of receipts provided by the merchant four receipts that have four different scribble signatures which none of them match my signature! It is absurd to learn that Citi would trust this kind of evidence presented by the merchant to damage its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXX XXXX # XXXX. I have NOT had this account.
Product: Student loan

I am a client of Transworld System Inc., which owns my student loan debt. I have contacted them ( XX/XX/XXXX, XX/XX/XXXX ), and on several other occasions to correct the information on my account. 

They have sent me the same incorrect information twice claiming that it is the actual balance on the account. In the letter dating XX/XX/XXXX, my reported balance was {$32.00}, XXXX, on XX/XX/XXXX my balance was {$32000.00}. Both are incorrect. The correct amount should be around {$22000.00} ( the exact amount is undisclosed as of now by the creditor. ) in XXXX, TSI was sued by a group of plaintiffs from XXXX for reporting false information about its clients and subsequently lost the case ( class action lawsuit : Sharon Eul v. Transworld Systems , Inc., et al. - Case No. : 1:15-cv-07755 ) Higher Education Loan Program, under which agreement participants were offered settlement to reduce their loan balance to 62.5 % of the principal amount. 

TSI has repeatedly stated in the letters to me that they are unaware of such judgment against them taking place in the court in XXXX in XXXX, and they refused to obey the stipulations of the agreement.
Product: Credit reporting or other personal consumer reports

Inquiry Deletion Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter will notify XXXX that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter.

Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries on my credit report : 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 Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX XXXXXXXX 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: Student loan

I wanted to speak with someone regarding my balance as it was XXXX more than what I calculated. It seems it went up when they moved my loan over to the new EdFinancial. Also, a year or XXXX ago I asked when was my payoff year and they told me XXXX and now it is showing XXXX even with me making monthly payments during the pandemic when there was no interest accruing. I tried to call a couple of times and they didn't call me back. I also emailed them and they have yet to respond. I feel I'm getting ripped off here.
Product: Checking or savings account

I recieved an offer in the mail for a {$300.00} bonus for opening a checking account with Bank of America. I opened the checking account on XX/XX/2019 with the promotion code. I visited the bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US on XX/XX/19 to ask why the funds were not deposited into my account. They put in a request and then called me back from XXXX on XX/XX/19 the bankers name was XXXX. She told me that I had qualified and that I would recieve the {$300.00} promotion in a check or in my account the following week. On XX/XX/19 I visited the bank again, having not recieved the check or deposit as promised. I sat with XXXX who made several phone calls and confirmed that I met the eligability requirements and also that they had sent out the mailer with the promotion to me at my home address. She said that when I opened the account online, the promotion didn't load. I was promised this promotion and have met all the requirements. I visited the bank severals times at the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US and they are still unfairly giving me the run-around and not honoring the promotion that I was promised when opening the account. The account has been opened with funds being direct deposited for 5 months and I still have not recieved the {$300.00} deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone using my parson information to purchase stuff from XXXX XXXX, it wasn't me even I had to closed my account last year in XXXX and I had reported that many times but still not fixed, still received bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX XXXX and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

FOR Experian 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

FOR XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately.
Product: Credit reporting or other personal consumer reports

I recently was looking over my credit report, and I have hard inquiries thats fraudulent that I have Knowledge of on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX. 

I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law. 

I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries. 

I have attached my police report as well. Please remove the unauthorized inquires XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX   Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I authorized an ACH transfer from my checking account at Ally Bank for {$10000.00} to an authorized linked account at XXXX XXXX XXXX XXXX on XXXX. Ally Bank put a hold on the XXXX transfer, and told me they lost the money and can not return it to my checking account. I need it returned so I can pay my auto loan off on time. 

Bank reference number for problem : XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

i originally signed a contract XX/XX/2019 with speedycash account number XXXX I didnt sign a contract with ad astra recovery amount {$1000.00} consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information recieved from other resources .the collection account is also reporting open i have a right to a accurate credit report please remove this account immediately from my credit report and provide me a copy reflecting this account is removed