23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/year> - Lakeview/XXXX  received {$12000.00} check from XXXX for endorsement for needed house repairs from XXXX XXXX. 
XX/XX/year> - Submitted written request requesting immediate return of funds so that the roof and fence replacement work can commence expeditiously. 
Ongoing - Phone calls, emails, and submission of contract, invoice, insurance information, and XXXX. 
XX/XX/year> - LakeviewXXXX insists on sitting on the money even though it will only take each contractor one day to start and complete the work. They are basing this action on the fact that my loan was going through modification at the time of the hurricane. All payments have been made on time in accordance with the agreement, and the account is not delinquent. Despite numerous appeals, including the fact that I was undergoing ( and have now had ) XXXX XXXXXXXX, they refuse to release the funds to me as requested. 

Please see the attached documents for further details.
Product: Debt collection

XXXX XXXX XXXX purchased as a debt buyer an HSBC account XXXX which was already in default but agreed by HSBC not to be my debt due to Identity Theft. Unfortunately in XX/XX/2013 XXXX XXXX took the position that they acquired this account and started a brand new collection action. I have notified XXXX XXXX within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$4000.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life.

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Mortgage

Filing a complaint regarding Wells Fargo Home Mortgage & their inability to process our modification request on a VA loan that ultimately resulted in wrongful foreclosure action taken by WFHM back in XXXX of XXXX. I reached out to Wells Fargo recently ( XX/XX/XXXX ) after seeing the news that $ XXXX settlement had been reached for parties that had been part of wrongful foreclosure actions & failed mortgage modifications attempts by Wells Fargo from XXXX until as recently as XXXX. 

My VA loan was wrongfully foreclosed upon in XX/XX/XXXX due an error @ Wells Fargo 's hands because of mismanagement of our escrow accounts funds. Making matters worse, Wells Fargo took {$4700.00} to begin working out the modification process that was sent through XXXX XXXX per WFHM instruction. Faxed 100 's of pages of tax documents on top of sending them money but money was never applied, paperwork lost & foreclosure action was taken after all we had done @ the instruction of Wells Fargo to avoid them taking the house. 

Upon contacting Wells Fargo recently, they have NO record of our loan transaction, since it was purged from the system.. & anything after XXXX is supposedly no longer available to Wells employees XXXX 

The National Foreclosure Settlement Act found that Wells Fargo had acted negligently & foreclosed on our home of 30+ years in error. Wells Fargo mislead us into the modification process, mishandled important documents & monies we sent them to find a resolution to problem ( Which they caused ) & still 10+ years after the fact -- My VA benefits have been destroyed & a veteran, as well as their family were displaced due to WFHM missteps. 

My hope is that the CFPB will hold Wells Fargo Home Mortgage accountable for the actions they took that have caused irreparable angst, stress, loss of sleep & embarrassment due to errors on their part that caused the loss of my family home in XXXX Alaska. Their lack of record keeping & accounting is still awe shocking 10 years after the event. 

Hopefully, this time with your help, some sort of justice can be had from all the horror these folks have caused myself, my wife & family. 

Respectfully submitted, XXXX XXXX
Product: Debt collection

I received a debt collection notice dated XX/XX/2019, from XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX ) for the amount of {$900.00}. 

This is for a medical debt from a nearby hospital who ignored my calls to dispute the fact that I was double charged for services. 

I did not receive the debt collection notice until after XX/XX/2019. 

I have made efforts to pay the debt online however the website is inaccessible : it has numerous error pages when trying to login, seems very insecure with provided " usernames '' written on the notice - and passwords that are way too simple, and overall the website is not user-friendly. I did manage to make an account however after trying to make a payment, I get an error. A week later I tried logging in to the website again which gave me an error. 

I have tried calling CBCS at their provided number, XXXX, but I am always met with a difficult to hear voicemail after waiting on hold for several minutes. I do not understand what is being said on the voicemail. 

My complaints include : * I was not given time to dispute the debt because I did not receive the notice until after 30 days * I am unable to even pay the debt online or over the phone
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I moved to my new home in XX/XX/2018 and we had XXXX XXXX installed into our home. From day one, the equipment was not working because it was installed incorrectly since we have a smart home and the technician did not connect to the server properly. We called XXXX  and scheduled for a technician to come out 3 different times and they never showed up. After paying about 1.5 years for a service that we were never able to use from day one, and paying about XXXX dollars each and every month, we had them send a box to return the equipment. 

Recently I saw that a collection agency for XXXX XXXX reported on my credit report a collection for about XXXX dollars that was due which brought my credit down over 100 points, right at the time we are in the process of buying a home, and this killed us from being able to qualify for the loan now. 

I contacted XXXX last week and made a complaint and they said they would have someone from the back office look at this and try to fix the problem. I told them the equipment was returned and that I should not have to pay any extra charges for services that I never was able to enjoy. 

Well, today they told me that the equipment was credited and they would update it with the collection company but that XXXX is still outstanding for breaking a 2 year contract. I told them the equipment was never working and 3 times we had an appointment for someone to come out and they never showed up, so if anyone broke the contract, it was them, but yet I continued to pay for 1.5 years. 

This was reported to XXXX XXXX andXX/XX/XXXX. I filed a dispute with both and XXXX  took it off, but XX/XX/XXXX did not. 

I really need to have this off of my credit report as this company is charging for something they never installed properly, and now it is causing me not to get my dream home for their failure to property fix my issue. 

Please have this taken off of my XX/XX/XXXX credit report so that I can finally get my home. 

Thanks so much.
Product: Credit reporting or other personal consumer reports

In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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. 

XXXX U.S.C XXXX XXXX ( A ) ( a ) 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. 

Delete the accounts below. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to XXXX  showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX  and XXXX have deleted this account off my credit report.
Product: Debt collection

Company first contacted me on XX/XX/XXXX at XXXX XXXX. XXXX. It was an automated message for a XXXX. I called the number back and they were looking for my son for a debt that was charged off in XXXX for {$63.00} at XXXX XXXX. I advised them I had paid that debt years earlier. The man on the phone connected me to what he referred to as the XXXX XXXX XXXX. I advised again to XXXX that the debt was paid and he wanted to give me an email address to send the letter of satisfaction to. 

I requested their address so I could send the letter, once found to them via registered mail. XXXX would not provide an address stating it was a time sensitive matter and if I did not comply via email, they would send the sheriff to my sons address with a warrant. I warned them that I would take legal action on both them and XXXX if a sheriff showed up. He hung up on me. I found out later that they are also calling my future daughter in law nearly every day, several times a day. 

Today/ XX/XX/XXXX at XXXX XXXX. XXXX, they called again. This time I told them they were calling the wrong person and to remove my number from their calling list. The man did not identify himself and began swearing at me, calling me a XXXX XXXX before hanging up. 

The company identifies itself as XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, Trans Union, and XXXX  have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score,  inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

The details of the dispute are as follows : Disputed Information : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Date ( s ) of Occurrence : XX/XX/year> Amount : {$1500.00}
Product: Debt collection

I told company it was fraud and they refused to provide info or delete account. My information was breached in the XXXX breach and social security number was used
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent disputes to experian and XXXX XXXX to asked them to delete my 2 bankruptcies off my credit since I contacted XXXX XXXX and the courts and XXXX  XXXX have deleted the bankruptcies off my credit and the courts dont report to the credit reports so they need to be deleted per XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.
Product: Money transfer, virtual currency, or money service

Your tracking number XXXX Date of transaction : XX/XX/2021 XXXX ET. Transferred using western union XXXX $ from my bank account to XXXX XXXX account. 
The transfer is supposed to take 4 days. 

Got an email on XXXX XXXX that thr transferred is completed and money will be available on XXXX XXXX. 

Did not receive money. 
On following up on XX/XX/XXXX again, was transferred multiple times between various departments Customer service to Compliance department and back to Customer service XXXX from customer service department XXXX # XXXX acknowledged that I was being transferred repeatedly between departments because they did not know what to do. 
Western Union did not even log my complaint and asked me to call back again. 

End result is XXXX $ were withdrawn from my account and never sent to the recipient account, with western union not assisting or acknowledging what the problem is.
Product: Vehicle loan or lease

In XX/XX/2021 I changed my car continuing with a new lease. I have not been late with my monthly car payment. The only thing I asked the financier to change the payment date after the first 15 days of each month due to the economic crisis caused by Covid. The financial company did not make the change and they began to unfairly charge a fee for late payments and I have made them every month without letting me put together two months. Second, my husband XXXX XXXX also drives this car and he has a XXXX pass from the motor vehicle office. He spent several weeks parking this car in a public street post managed by the city and they issued fines. My husband XXXX XXXX went to the XXXX city office and started a claim because people who put this pass on the front window don't have to pay to park. Suddenly my balance increased and it was because this financier paid the fines without consulting me without waiting for the claim to end in the city of XXXX and they would remove the fines. So my balance is high because they paid the fines without notice and the late fee for alleged late payments.
Product: Credit reporting or other personal consumer reports

XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower XXXX XXXX. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXXt Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Checking or savings account

All transsation from XXXX are being denied by truist bank. I have went to the branch office and sat for XXXX hourd to try a correct this problem. Now any transcartion online is denied without explanation. This undeserved action by truist bank is affecting my credit rating..This action by truist bank is highly undesirable banking practice. I am afraired of -what =next with this bank. I hace tried their corp office. I got an very poor and unproffessional response/ I have no where else to turn Your help is deeply apreciated Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 


XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXXXXXX this account doesn't belong to me. Please delete.
Product: Debt collection

I have been looking thru my credit score and i have notice i have several different claims that am not aware or have ever open a cell phone with XXXX. and still they report that i owe them $ XXXX.iam trying to fix this so i can continue with my life and hopefully fix my credit.
Product: Debt collection

I am writing to address a concerning matter involving Charter Communications ( XXXX ) that has resulted in my unjust placement into collections for an alleged amount of {$340.00}. I am providing you with a detailed account of the situation, including relevant dates, amounts, and actions taken : Date of Equipment Return : XX/XX/2022 Description of Incident : On the specified date, I returned the equipment to Charter Communications, as evidenced by the attached receipt. Despite this, I have been erroneously charged {$340.00}, with the claim that the equipment was not returned. 

Action Taken by Charter Communications : Despite providing evidence of the equipment return, Charter Communications has still placed me into collections for the alleged amount. This has adversely impacted my credit report.

Resolution Requested : I request that the collections account related to this incident be promptly removed from all credit bureaus. The attached receipt serves as irrefutable evidence of the timely return of the equipment. I believe it is imperative to rectify this situation promptly to restore the integrity of my credit report.

I appreciate your immediate attention to this matter and trust that it can be resolved promptly.

Sincerely,
Product: Student loan

The last correspondence with CFPB. Navient stated they had no control over the situation until they got word from FAFSA. 

I was sent a letter from FAFSA on XX/XX/22, stating that the Borrower Defense Loan was discharged. And Navient would notify me of this notification and refund me of any payments made to them. 

Thus far, Navient hasn't reached out to me via email or portal to inform about this letter. But are still aggressively trying to collect payments via marketing options.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, Capital One has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy 15 USC 1681, section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit for any purpose. Capital One is reporting 10 missed payments, 5 on one card, and 5 on another. There are only 4 months that are reporting not current in XXXX. One card is from XXXX to XXXX of XXXX, and the other is from XXXX to XXXX of XXXX. Disputed was once taken on my end, but the company refuses to change or erase the inaccuracies.
Product: Student loan

Been charged XXXX per month for my loan spoke to XXXX about updating my information and to apply for idr. Was on the phone with XXXX XXXX which i have documentation of and was told my payments would be revised to about 200.00 dollars and my name change was corrected just had to fax paperwork which i did. Next month exepect to make my first XXXX dollar paument and recoeved a bill for another XXXX. Called again and was told they had no record of any call and did not recieve any information to change my loan repayment or my name and was hung up on!