23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1.We obtained a loan modification under the MHAA. We had continued to make every mortgage payment due. Our mortgage was purchased by Nationstar, XXXX, TX. 2. We filed for bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. We continued to make our payments and were credited {$1000.00} principal payments for three years as a loan modification payment incentive. 3.In early XX/XX/XXXX, we were informed our payment would increase and I contacted Nationstar to discuss a refinance. I was told our mortgage was in default and had been since XX/XX/XXXX. 4. I learned our payment amount had increased in XX/XX/XXXX but WE HAD NOT BEEN NOTIFIED OF THE INCREASE ( even though our bankruptcy had been discharged and we received other correspondence from Nationstar at our address of 27 years ). Because I did not pay the new payment amount, Nationstar claims we had " missed '' the XX/XX/XXXX payment and had been delinquent every month since then. Also, WE RECEIVED NO NOTICE THAT OUR PAYMENTS WERE DELINQUENT. 5. This caused us to be denied our incentive of two years ' {$1000.00} principal reduction payments and caused our payment history to appear atrocious. 6. I requested the company age the payments current, notify the credit reporting agencies and apply two {$1000.00} principal reductions. Nationstar acknowledged they had not notified us of the increase but denied responsibility for the resulting payment shortages which they classified as delinquencies and they refused to remedy the damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this account with experian and they refuse to remove it even though I have shown proof that this account is not suppose to be showing on my credit file any longer. I reached out to these bureaus back in may and sparked an investigation. This account has already been removed from 2 of these credit bureaus and experian refuse to provide documentation to verify how and why they are still reported this account. It is my understanding that all three bureaus are to report the same information once an account is reported other wise it is inaccurate and must be deleted from the repository. These accounts were already requested and removed from XXXX  and XXXX  and they need to be removed from experian as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 a account without my written instruction
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items unfamiliar. 
I have explained the discrepancies of the inquiries XXXX XXXX XXXX XXXX, and XXXX XXXX my records the information you are reporting on this account is unrecognizable. I would like that you remove this information from my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

This is a fraudulent account
Product: Mortgage

The mortgage company made errors in applying payments, and we have repeatedly asked them to send statements verifying the amount they say is due. Each time the amounts vary and none of the statements match in the system, in the email correspondence and on the online bill-pay system. They have applied payments incorrectly and refuse to explain any shortages. The result has destroyed our credit. We have paid out property taxes privately and they still say we are short thousands of dollars. Our property taxes and insurance is less than {$1500.00} per year, and the current escrow balance is over {$9000.00}. When we ask for a breakdown, we are only provided a confusing and unofficial answer.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX my XXXX XXXX XXXX was totaled in an automobile accident by XXXX XXXX XXXX. Odometer reading was XXXX. The XXXX was towed away from XXXX XXXX XXXX. Salvage title retained by XXXX XXXX XXXX. 

The XXXX was part of my Chapter XXXX Bankruptcy. The Bankruptcy was DISCHARGED XXXX XXXX XXXX. I paid off the balance of the payments mid XXXX XXXX. Well Fargo Dealer Services does know and acknowledges the BK Discharge but insists it must get a letter of confirmation from the Trustee, XXXX XXXX XXXX. There is NO WAY I could have gotten a DISCHARGE without paying off the balance of the remaining 4 or 5 months of the BK plan. 

Anyway, no amount of calls and complaints to Wells Fargo Dealer Services has gotten a LIEN RELEASE. Including a call to Wells Fargo " Office of the President '' which is a team of people who take complaints about Wells Fargo. They told me they have 15 days to respond and gave me a case number. The office of the Comptroller of the Currency gave me the Wells Fargo corporate number they have ... it is to a call center in XXXX XXXX, SD, who could not put me through to the corporate office. I did call the WF Corporate office in XXXX XXXX myself. Their answering machine says they are not taking calls ( no matter what time of day I called ). 

I still DO NOT have a lien release so I can get the insurance payoff for my totaled car. I need the payoff to purchase a car. My bankruptcy attorney has said that Wells Fargo has complicated several cases for different reasons and wished me " luck '' in dealing with WF. 

Please help me to expedite my XXXX automobile title LIEN RELEASE which I am entitled to!
Product: Debt collection

I am requesting multiple documents for an alleged debt that XXXX claims I owe. 
XX/XX/XXXXr ( FYI ) : Money do not exists, only credit/debt ) I am requesting for my records : Financial Statements to show the proof of the Cash Flow Statement column, the cash flow that was coming into this separate concealed account that was created between the dealership and the bank without my knowledge. ( The ledger book ) Balance Sheet Statements Income Statement showing this security was created for the purposes of XXXX, the dealership and the bank gains as assets while it became a liability and a loss to me. 

Proof that there is a Certificate of Indebtedness for this security/alleged debt. 

Auction Bill of Sale I want to know how much did XXXX redeemed off the balance on the pending loan. XXXX breached the peace by entering on an DO NOT ENTER PRIVATE cubit that was closed gated and forcibly entered my property without my consent. 
I was uninformed and they concealed the fact that they kept what was supposed to be compensated back to me after the vehicle was sold. XXXX didnt give me an opportunity for a redemption. XXXX gives us an opportunity of a redemption. Why XXXX doesnt? 

IRS Form 1099-C form if one exists.

IRS Form 1099-OID if one exists.
Product: Checking or savings account

My son ( who has a joint account with me ), unknowingly deposited a fraudulent check for {$2700.00} into his account on XXXX XXXX for the sale of a bicycle for which he was asking {$700.00}. The person who sent him the check asked him to electronically transfer a portion to them ( {$2000.00} ) to a QuickPay with XXXX payment to " XXXX XXXX XXXX ''. The bank made the funds available to my son right away ; even though it was significantly more money than had ever been in the account and the check was a personal out of state check. My son believed that he confirmed the check had cleared by seeing that the funds were available in the account prior to transferring money the following day ( XXXX XXXX ). A few days after the funds had been electronically transferred ( XXXX XXXX ), the check bounced as having been from a non-existent account. 
We filed a complaint with the bank ECW # XXXX and the bank has claimed that because it is a joint account, and I have a long standing relationship with the bank the funds were made available right away. They also said that there are many criteria that determine when funds are made available, but didn't share those criteria with me. 
The same bank wouldn't give my son a credit card ( with only a {$500.00} credit limit ). When I stated that this was a much bigger loan, that we didn't even ask for, the bank said " this wasn't a loan ''. 
We ( my son and I ) have filed a police report with the local police and filed a report with the FBI online.
Product: Credit reporting

I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). Both reports contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from TransUnion. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... XXXX Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. It is now past 30 days and according to the FDCPA this account needs to be deleted. 

I have brought the fraud as well as this matter to TransUnion XXXX times, ( XXXX Tracking XXXX received XXXX/XXXX/15 ), ( XXXX Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the lack of validation by the collection agency and requesting to delete this account from my credit file. 

TransUnion repetitively delay the process by doing an investigation and responded on report number XXXX with NEW INFORMATION BELOW. If the collection agency can not validate the account within the require 30 days, following the FDCPA it needs to be deleted from my credit file. Upon escalating this to TransUnion, and the delaying of correcting the reporting of this account, this is now a violation of the FCRA and this account needs to be deleted. 

I have been a victim of identity theft which has caused a lot of harm to me and my family. I have been trying to clear up the damages with a lot of friction from TransUnion. 



Attached : copy of the debt validation lettercopy of the debt invoice by XXXX to TranUnionTransUnion reporttracking informationpolice case reportFederal Trade Commision case
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Brite Financial for inaccurate credit reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). The company has reported misleading and incorrect information on my credit report, negatively affecting my credit score and financial standing.

Details of the Issue : 1. Incorrect Balance Reporting : My credit report states that I owe {$13000.00}, even though the account was charged off and closed on XX/XX/XXXX. If the account was charged off, the balance should not remain unless transferred to a collection agency, which has not been properly reported. 
XXXX. Contradictory Payment History : My credit report claims that I made 22 % of payments on time, yet almost every month since XXXX is marked as late. Additionally, my last payment is recorded as XX/XX/XXXX, even though the account was closed in XXXX, which is inconsistent. 
XXXX. Discrepancy in Loan Terms : The loan was supposed to last 48 months, but the account was closed prematurely in less than two years. If the vehicle was repossessed, the balance should have been adjusted accordingly, which has not been done. 
XXXX. Failure to Correct Disputed Information : I have disputed this information with the credit bureaus, but XXXX XXXX has failed to verify or correct these inaccuracies as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). 

Desired Resolution : I request that XXXX XXXX and the credit bureaus immediately investigate and correct these errors by : Updating the account balance to reflect the correct post-charge-off amount. 
Correcting or removing the inaccurate late payment history. 
Providing documentation verifying the accuracy of the reported information. 
Removing the derogatory status if the account was improperly reported. 

If this matter is not resolved in a timely manner, I will escalate my complaint through additional legal channels. 

Thank you for your prompt attention to this matter. 

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

I've attempted to dispute this reporting error on my credit report several times with TransUnion. TransUnion continues to follow the guidelines set by the FCRA in validation of this so called debt that there reporting that I owe. Attached to this complaint is proof that due to the non validation of the mentioned account it has been removed from the credit report provided by XXXX and XXXX.
Product: Credit card

I have received a notice from the IRS stating that I have a cancellation of debt that was not included on my tax return. After much research and contacting the credit card company, I found out that someone had stolen my personal information and had a credit card issued. I am now having trouble with the financial bank to get this erase, and informing the irs that this is not my debt. the Irs is stating that I owe {$1100.00}.
Product: Debt collection

To whom this may concern, there is a company by the name of Ad Astra Recovery Service that is reporting to the credit bureaus that I owe them for an amount of {$310.00}. I have no knowledge of this account. I have disputed with this company on multiple occasions and this still remains on my credit report. This is damaging my credit score that I am working to keep in good standing.
Product: Credit card

Once I received my Home Depot credit card I was unable to use it. After calling customer service several times I was told I needed a verification code that Citibank was going to mail out to me. Its been more than six months and I have not received the verification code in the mail. When I received the bill it was under a different name. I called the XXXX XXXX customer service and was unable to get anyone to help me. This is very frustrating and disappointing on how XXXX XXXX company is so big and they can not help their customers. Although, I have been paying the bill, I feel very uncomfortable with this situation. I am not sure if the correct account is being credited. I feel like I have been taken advantage and no one seems to care or know how to fix the problem.
Product: Debt collection

I received a letter on my job in reference to an outstanding balance of {$1000.00} on account # XXXX. The letter reference the balance and advised its an attempt to collect debt. Further down in the letter it stated " If our client initiates a lawsuit and obtain a judgment against you, the may pursue their lawful recovery options, which may indicate any or all of the following based upon legal procedures allowed : Garnishment of wages ( states excluded : XXXX, XXXX, XXXX, XXXX ), liens placed on property including automobiles, real estate, or other real property, and seizure and auction of personal property. They were contacted on XXXX/XXXX/16 and was advised a payment would be made on XXXX/XXXX/16 which is a Saturday. I was contacted by phone on XXXX/XXXX/16 at XXXX from XXXX by a gentlemen asking me questions about why my daughter made the payment arrangements, why did n't I call and then stated my wages would be garnished and was trying to help me out. I was very uncomfortable with the call and the reason why this gentleman was asking questions by daughter and the threat issued. Unfortunately I was n't able to catch his name because the call really made me nervous and uncomfortable. I was advised he and the company violated the fdcpa laws by issuing a threat to me.
Product: Credit card

I had opened this credit since XX/XX/XXXX. And I have paid the payment on time, never one time missed. However, from XX/XX/XXXX up to date, there are two, three times that I only authorized the credit card company to ACH my bank account once on the payment due day. But the credit card company ACHed my bank account twice on the payment due day. Such as the payment due day of XXXX, XXXX was on the XXXX XXXX XXXX, and I Authorized the credit card company ACHing my bank account once of {$28.00}. However Credit card company ACHed my bank account for {$28.00} two times.

Today, I spent more than three hours on the phone with customer service dept of credit card company with no result. They admitted they made mistake but they dont want to fix it, just putting me on hold and then cut me off the phone.

This type of cases have happened twice since I open the credit card with them. I dont remember when the first time happened. But the second time happened this week.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX  XXXX XXXX account, the funds left my citizens bank account but were never credited to my sons XXXX account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank he stated citizens bank has not responded to multiple requests regarding the funds which are no where to be found. Today I also spoke with a XXXX supervisor named XXXX ( Personnel number XXXX ) he stated that he could not give me an update on the case and that the back office will respond to citizens bank whenever they can, I advised the rep that it has been over a month since the issue, he stated the bank could not provide me with a credit. I CAN ONLY BE REACHED AT XXXX.
Product: Checking or savings account

There was a {$200.00} transaction made on my account with no explanation there was a XXXX transaction with no explanation and then they closed my account
Product: Debt collection

I was contacted by Premium Asset Services LLC, and by a woman named XXXX XXXX. She left a message to verify employment at my office. I contacted the number back and refused to verify my identity over the phone. I asked them not to contact my office again. I have repeatedly asked them not to contact me by phone. I have asked for written documentation of the alleged debt and have not received any other communications regarding this matter. I called the number back to request a mailing address so I could mail a " cease and desist '' letter. The manager I was connected to gave me false information and verbally harassed me on the phone. I have refuse to verify any information via phone.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for any transactions that I made
Product: Debt collection

I have never any relationship with the following company : PERFECTION COLLECTION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX At a former resident there was a alarm service monitoring contract with a company called XXXX XXXX XXXX. The contract with this company expired and I thought that would be the end of business with them. It was not, they sent several people to the house stating that they had to upgrade the equipment in order to continue to " monitor '' the house. Needless to say the equipment was never installed. I was in constant communication requesting that the services be disconnected permanently, staying on the phone for hours only for the representative to tell me that they could not verify my information. This debt is invalid simply because monitoring services could not be conducted on the equipment installed at my old house. Can either the original company or debt collection company provide an proof showing alarm activity and that they were able to provide monitoring services?
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Experian ] [ Dispute Department ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Request for Reinvestigation of Inaccurate Information in My Credit Report Pursuant to the CARES Act, FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ), and TILA Dear [ Experian ] Representatives, I am writing regarding an open credit card account that appears on my credit report, showing a late payment record in XX/XX/XXXX. This late payment occurred during the period when certain financial protections related to the pandemic were still in effect. Considering the protections established under the CARES Act, I am requesting that this inaccurate entry be removed from my credit history.

I am citing the following considerations based on applicable laws : 1. CARES Act : During the XXXX pandemic, the CARES Act provided consumer protections. Many creditors offered payment relief or deferments to impacted customers, and credit bureaus were expected to accurately reflect these accommodations in credit reports. I request that this account be reviewed under the CARES Act, and that the recorded late payment be removed to accurately reflect the impact of the pandemic and any possible relief measures.

2. FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ) : 1681e ( b ) : This section requires that credit bureaus maintain reasonable procedures to ensure accuracy in credit reports. The inclusion of a late payment during this period is inconsistent with my financial situation during the pandemic and represents inaccurate information.

1681i : This law grants me the right to request a reinvestigation when disputing the accuracy of an entry in my report. Please conduct a thorough investigation and remove or correct any inaccurate information on this account in my record.

1681s-2 ( a ) and ( b ) : The FCRA requires information furnishers to update and correct any errors in reported information. I request that you contact the issuer of this credit card to ensure they report the account accurately, removing the late payment from XX/XX/XXXX. 
1681g : Under this section, I have the right to receive a copy of my credit report and a detailed report of any reinvestigation. I ask that, upon completion of your investigation, you provide me with a full copy of my updated report.

3. TILA ( Truth in Lending Act ) : TILA requires that lenders provide clear and accurate information on loan terms and conditions. If my lender offered a deferral during the pandemic, recording a late payment without proper notice and clarity may be a violation of TILA. 


Please proceed with the immediate removal of this late payment or any information that does not comply with FCRA, the CARES Act, and TILA. I appreciate your attention to this matter and look forward to a favorable resolution within the 30-day period stipulated by law. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX