23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Product: Mortgage

I was processing a mortgage with Cardinal Financial in XXXX Florida, my loan officers name is XXXX XXXX. 

The loan was progressing normally and all appeared to be going well until XX/XX/XXXX. We had a loan commitment date of XX/XX/XXXX. Mr. XXXX was waiting for a condo review to be completed in order to issue commitment. On the afternoon of XX/XX/XXXX Mr. XXXX texted myself and the realtor and told us he had received a verbal Clear to Close. I can provide a screen shot of this text if needed. Based upon this text we allowed commitment date to pass putting our deposit in jeopardy. The next day Mr. XXXX reached out and let us know in fact Clear to Close was not issued and condo review now had concerns. He then worked with his underwriting team until Friday XX/XX/XXXX to resolve the issue and at that point let us know he could not get approval to allow us to close. 

We informed the sellers realtor of this information on XX/XX/XXXX. The seller of the property is now threatening to keep my {$15000.00} deposit or charge me an additional {$3000.00} in expense to issue a closing date extension so another lender may complete my financing. 

Mr. XXXX false claim of Clear to Close being issued has put my family and I in an awful position facing a {$15000.00} deposit loss.
Product: Money transfer, virtual currency, or money service

Wells Fargo Case Fraud number : XXXX XXXX XXXX XXXXXXXX Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where Wells Fargo called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked XXXX weeks. This was not able to be recorded obviously because it was flagged as fraud. 

A wire recall was supposedly requested by XXXX XXXX XXXXXXXX as requested by Wells Fargo over 6 weeks ago. 

I cant get any information at all. The title insurance wont pay out because its fraud and Wells Fargo said theyd return the funds. XXXX XXXX XXXXXXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. 

If Wells Fargo is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. 

I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said Wells Fargo and XXXX XXXX XXXXXXXX aren't responding. 


Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured credit card from XXXX XXXX XXXX and I paid {$100.00} to secure the debt. I asked the account to be closed and the company said my account was closed and I was denied access to the account. XXXXXXXX XXXX is reporting a past due amount up tp {$260.00}. When I disputed this. XXXX and XXXX updated my report to 0 past due but that there was a charge off of {$100.00} to XXXX the original {$100.00} was suppose to be refunded to me, yet I have not received my {$100.00} and There should have been no reporting of past due or charge off.
Product: Credit reporting or other personal consumer reports

I am asking the CFPB to address this complaint and do a through investigation of XXXX XXXX and provide the Monetary Relief that is allowed under the FDCPA and the FCRA. 
Portfolio Recovery reports a Date of Removal to XXXX as XX/XX/XXXX but a different date to Trans Union that is XX/XX/XXXX. 
Also. When disputing with the credit reporting agencies they have ILLEGALLY VERIFIED committing even more VIOLATIONS under both the FDCPA and FCRA. 
XXXX XXXX  has the audacity to send me a reply responding to my request under FCRA 623 ( A ) ( 8 ) ( E ) their letter dated XX/XX/XXXX for the Date of First Delinquency they have on file to prove different removal dates that they continue Illegally ti report differently to the credit reporting agencies that are clear RE-AGING violations.

( Please See Screenshots Attached ).

They use in haphazard fashion 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) illegally to avoid submitting the information I request such as the DOFD that they have on file to PROVE the true date this information will be removed from my credit report.

They bought this account from XXXX XXXX that was being reported by XXXX XXXX  as well. I disputed with XXXX XXXX  and it is no longer reporting on any of my credit reports. It was removed from all my credit reports after multiple disputes to XXXX. 
XXXX XXXX  was reporting a date of last payment as XX/XX/XXXX and it has been removed from all my credit reports. 
My question is how can XXXX XXXX continue to report knowing or should know the account has been Re-Aged. 
But somehow XXXX XXXX continues to report this RE-AGED account with a {$1900.00} Balance. XXXX XXXX # XXXX. 
reports DIFFERENTLY Date of Removal dates on Trans Union and blatantly report a different date on XXXX. There is no DOUBT this account has been illegally RE-AGED and I want it removed by XXXX XXXX because after multiple disputes with XXXX XXXX they finally are not reporting this account ending in XXXX any longer and I want XXXX XXXX to do the same. 
Again, I am asking the CFPB to forward me monetary relief after investigating this companies illegal violations under the FDCPA and the FCRA and have them remove this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with Experian informing them that these are fraudulent accounts but they continue to remain on my credit report. I have previously sent a police report, ID, social security card & identity theft report. I keep telling them that I have never had any Dept of Educcation/XXXX   accounts that I have opened or gave anybody permission to open anything in may name. I am asking that these accounts be deleted and blocked from returning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX  XXXX XXXX XXXX XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and I do not authorize of the hard inquiry that are on my credit report.
Product: Credit reporting or other personal consumer reports

All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX They have two accounts XXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed TN CHILD SUP ACCOUNT XXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history XXXXeach bureau are reporting different payment history- All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX  They have two accounts/update to paid as agreed XXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed-update to paid as agreed on account holders account please update on as I am the authorized user TN CHILD SUP ACCOUNT XXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history-Delete from reports XXXXeach bureau is reporting different payment history-update to paid as agreed
Product: Credit card

I LOST ALL MY BENEFITS AS WELL AS THE UNEMPLOYMENT INSURANCE BENEFITS. 
I CA N'T PAY THE ACCOUNTS OF CHASE CARD AND I COULD NOT PAY WITH MY UNEMPLOYMENT INSRANCE BENITS.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned with the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements, and the representatives you spoke with who verified it WITH AN affidavit if the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware that under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX XXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Credit card

In late XXXX my American Express card 's annual fee was charged. I reached out to american express to request info on when I could close to card and still have the fee waived. I was told I had one month to close the account for a full refund of the fee. One month later I called to close the card but was told that because the month was 31 days not 30 I would not be refunded. Apparently the rules are that you must close within 30 days but I was told 1 month. The representative then offered me a retention offer that would offset the fee. I asked if there was any way they could refund the fee still and they said no. I agreed to the retention offer because otherwise I would lose {$250.00} and figured I could still use the card. I did ask that they review the communication and they said they would open a case and reach back out to me. I never heard from them. 

One year later in XXXX I called to close the account and was told that there never was a case made about the issue last year. In addition I was informed that if I closed that day the retention offer would be retracted. I feel as though I was tricked into keeping the card open for an additional year and by accepting the retention offer I was trapped into keeping the card for one year beyond that. I requested that a review of my account be made to look for the discrepancy but they told me they can not do that right now. 
I did cancel the card but feel I was defrauded out of the annual fee for one year and that again they attempted to coerce me to keep the card for one more year. 

The same thing happened to my wife with her card and we will be filing a complaint through her card as well.
Product: Credit reporting or other personal consumer reports

Information on collection accounts are not being reported accurately to each of the three credit agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting incorrect and inconsistent information to each credit agency.
Product: Credit reporting or other personal consumer reports

Experian is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Experian has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Experian disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Experian is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Experian more fraud has been committed against me. I would like for Experian to give me the document I signed to give consent to share my nonpublic personal information. And if Experian somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Delete and block these accounts that are disclosing my nonpublic personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX While looking over these accounts I have found a plethora of inaccuracies that are violations of the FCRA public law. My legal counsel is prepared to file civil suit ; however, I am giving Experian the chance to resolve this issue outside of the courts.
Product: Student loan

For the past XXXX plus years, I have been contacting Mohela via chat, phone and secure messages. I began work on XX/XX/16 and have worked at my employer the entire time, full time with XXXX time off. Even during XXXX, we were full time working in person. For some reason, my XXXX keeps showing up at XXXX  months which is over 1 year less than what I should be credit with. I know I am not ready for full forgivness yet, but with my payment count being incorrect, when I do qualify, I will have to go through this hassle. Prior to Mohela, I was with XXXX XXXX and certified once a year with XXXX issues. Now, Mohela can not seem to get my payment count corrected. I have talked to agents on XXXX separate occasions, and XXXX of the times, the agent has sent my file off for manual review because they do not understand why my count is not updated. It seems they are missing an entire year of qualifications. Again, I certify every year, around the third week of XXXX. They also had me re-submit multiple certifications which seem to mess my account up further. It seems that if someone would actually look at my account, it is fairly easy to see I was employed since XX/XX/16 and am still currently employed. This should not be this difficult and I fear when I hot my 10 years, I will have more trouble trying to get this corrected. I am requesting someone look at my account as well as all my certifications and updated it to the correct number of qualified payments.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I sent multiple dispute letters to Experian regarding inaccuracies on my credit report. Despite my detailed explanations and requests for proper investigation, these items remain unresolved. Below is a summary of the disputed accounts and actions : 1XXXX XXXX XXXX XXXX Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested statements and proof of investigation. 
2. XXXX XXXX XXXX XXXX  ( Account # XXXX ) : Auto Loan opened on XX/XX/XXXX with a {$25000.00} balance. 
Disputed missed and late payments, requested complete payment records. 
3. XXXX XXXX XXXX  XXXX Account # XXXX ) : Secured Credit Line opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and negative status. 
4. XXXX XXXX XXXX ( Account # XXXX ) : Secured Credit Card opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
5. XXXX ( Account # XXXX ) : Charge Card opened on XX/XX/XXXXXXXX  with a {$1100.00} balance. 
Disputed charge-off status and requested proof of the balance and charge-off. 
6. XXXX XXXX  ( Account # XXXX ) : Secured Credit Card opened on XX/XX/XXXXXXXX   with a {$270.00} balance. 
Disputed charge-off status and requested proof or balance update. 
7. XXXX XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXXXXXX XXXX a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
8. XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
9. XXXX XXXX XXXX ( Account # XXXX ) : Collection opened on XX/XX/XXXXXXXX  with a {$370.00} balance. 
Disputed debt ownership, requested proof from the original creditor. 
10. XXXX XXXX XXXX ( Account # XXXX ) : Collection with a {$430.00} balance, original creditor XXXXXXXX XXXX XXXX XXXX XXXX 
Disputed debt ownership, requested proof from the original creditor. 
11. XXXX XXXX XXXX  ( Account # XXXX ) : Collection with a {$500.00} balance, original creditor XXXX  XXXX. 
Disputed debt ownership, requested proof from the original creditor. 
12. XXXX XXXX XXXX ( Account # XXXX ) : Collection with a {$310.00} balance, original creditor XXXX XXXX XXXX XXXX. 
Disputed debt ownership, requested proof from the original creditor. 

In all cases, I have not received sufficient proof of investigation, payment records, or documentation from either Experian or the creditors to validate these accounts and their negative statuses. This lack of proper investigation violates the Fair Credit Reporting Act. I request that Experian either remove these inaccuracies or provide comprehensive proof of their investigations and the validity of the disputed information.
Product: Checking or savings account

I signed up for Truist this year upon moving, the representative who signed me up I did not ask them to monitor my account of add XXXX credits being taken out of my account. Soon as I locked my account, the credit charges began overnight. I was signed up unknowingly! I see the XXXX pages on the Truist banking app, I never touched or clicked any links. I never input my banking information on anything but where I order my childrens things. I am considering closing this bank account because they have privacy problems with sharing my information I did not tell them to. I want this investigation thoroughly because they are doing things above the job they were given. I keep my cards locked in a safe, nobody else has access to my account numbers that I gave. This is fraudulent, this must be refunded and they should be held accountable. XXXX should not have my bank information at all.