23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XXXX2017. I received a response ( case # XXXX ) more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..?
Product: Vehicle loan or lease

I SOLD MY XXXX XXXX XXXX XXXX XXXX COMPANY CALLED XXXX. XXXX  CONTACT WELLS FARGO TO ADVISED THEM, THE VEHCILE WAS PURCHASED FROM ME ANDT HEY REQUESTED THE PAYOFF AMOUNT. FULL PAYMNET WAS ISSUED TO WELLS FARGO ON THE XX/XX/XXXX. I ALSO PAID MY REGULAR PAYMENT ON XX/XX/XXXX BECAUSE THE FINAL CHECK FROM XXXX XXXX  HAD NO YET CELARED. IMADE APAYMENT OF XXXX, WHICH ONCE THEFULL PAYMENT HS CLEAR FROM XXXX, I WOULD BE OWED A REFUND OF THE OVER PAYMENT. THE CHECK FROM XXXX, CLEARED ON XX/XX/XXXX. WHEN I CALLED WELLS FARGO, I WAS TOLD THAT THEY WOULDNT ISSUEMY REFUND UNTIL WELL FARGO HAD RELEAED THE TITLE TO THE NEW OWNER, WHICH HAS ABSOLUTLY NOTHING TO DO WITH ME. WELLS FARGO INTENTINALLY HELD ON TO MY REFUND EVEN THOUGH THEY HAD FULL PAYMENT AND THE ACCOUNT CLOSED. I CALELD ON SATURDAY XX/XX/XXXX AND WAS TOLD THEY DIDINT KNOW WHERE OR IF I WAS GETTING A REFUND FOR MY OVERPAYMNET. THHATS WHEN MY ISSUED WAS ESCALTED TO THE EXECUTIVE OFFICE. XXXX XXXX. WAS ASSIGNED TO MY ISSUE. SHE CALLED ON XX/XX/XXXX TO INTRODUCE HERSELF AND SAID SHE WOULD LOOK INTOMY ISSUE. A FEW LATER SHE CALLED BACK AND ADVISED THAT HE REFUND PAYMENT WAS SENT BACK TO MY BACK ON XX/XX/XXXX. I SAID THATS IMPOSSIBLE CAUSE ON SATURDAY XX/XX/XXXX THE RESP RESENTIAVES WASNT EVEN SURE WHERE MY REFUND WAS. SO I TOLD HER OK, I GIVE IT TO FRIDAY XXXX/XXXX/XXXX. I CHECKED MY ACCOUNT WITH XXXX XXXX AND THEY ADVISED THEY DO NOT HAVE ANY PENDING PAYMNET FROM WELLS FARGO AND IT SHOULDNT TAKE MYRE THAN 2 OR 3 DAYS TO RECV A REFUNDED PAYMNET. I CALLED WELLS FARGO BACK, THEY ARE GIVEING ME THE RUNNING AROUNDTELLING ME TO CALL MY BANK AFTER I HAVE ALREADY CALLED THEM. NO WONDER WELLS FARGO HAS USCH A SORRY REP, BECASUE THEY TRY ANDGET OVER ON CUSTOMERS AND THEY WELL DOCUMENTED. I WANT MY XXXX BACK NOW!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accoun # XXXX XXXXaccount # 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 fumish a account without my written instructions
Product: Mortgage

I have repeatedly asked Caliber Home Loans to change the address that my statements are sent to, completing this information on the payment coupon ( an industry standard method for notifying address changes ) at least 4-5 times now. Every time, Caliber employees ignore the request and just process the payment and do not change the address of record.
Product: Credit reporting or other personal consumer reports

promo inquiries and closed accounts on my credit report inaccurate reporting of two accounts XXXX ) XXXX XXXX XXXX that account was sold to another bank once its been sold from the original creditor that's null and void and can't collect anything. 
XXXX XXXX XXXX XXXX that account was closed in 2023 that's not revolving if its closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bankruptcies with XXXX, XXXX and Equifax and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the XXXX major reporting agencies XXXX, XXXX and Equifax that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.
Product: Mortgage

On XX/XX/XXXX. I filed a complaint regarding the mishandling of my VA mortgage by Freedom Mortgage. 

The issue was addressed regarding my exemption of XXXX XXXX taxes, however, Freedom Mortgage continues to show my account as being delinquent regardless of my proven and documented mortgage payments. I have been advised that despite my exemption, and proof of payment, I am still delinquent for my XXXX payment. This is the fourth time I have addressed this matter with their Customer Service reps who each have offered differing excuses. I even paid a {$250.00} shortage for a XX/XX/XXXX payment, and was advised that this would bring my account up to date and that my new payment reflecting the non-advalorem taxes would take effect on XX/XX/XXXX. 
I HAVE RECEIVED NOTICES THAT MY ACCOUNT IS STILL DELINQUENT DESPITE HAVING DOCUMENTED PROOF OF MAKING THE MONTHLY PAYMENTS. The argument remains to be based on collecting the escrow for Taxes I did not owe!! The respondent to my first complaint was a XXXX XXXX XXXX, who no one seems to know at Customer Service. 

As a retired XXXX  Veteran, I truly find that such treatment and outright shuffle games are inconsistent with the espoused values of " taking care of veterans '' that such Financial Institutions often make to sell their services. The egregiousness of this whole issue is that I have spent over four months attempting to resolve this issue with little resolution. My next step is to initiate legal action against Freedom Mortgage for their incompetence in handling what should be a simple matter of reconciliation.
Product: Checking or savings account

Since XXXX, we have had an Equity Line of Credit account that was initially opened with Washington Mutual but has been with JP Morgan Chase Bank since Chase purchased WAMU. One of the features with this account was a no-fee checking account. In XX/XX/XXXX, Chase sent us a letter explaining that our checking account would automatically become a " Premier Plus Checking Acount '' on XX/XX/XXXX. We were told in the letter that this new Premier Plus checking account would be exactly the same as our previous account with only one BIG difference : there would now be a {$25.00} monthy service fee! There was no decent reason given for the new large fee ( other than possibly " Greed! '' ) and thus far this year, Chase has netted {$150.00} in fees from us for doing nothing more than they ever have since assuming the account from WAMU. We believe this is a clear violation of the original terms of our original Equity Line of Credit Account agreement we signed in XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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 consists of XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXX **** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX XXXX XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX XXXXXXXX **** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Recently, I found a missed credit card payment on my credit report, despite the fact that in over 20 years I have never missed a credit card payment of any kind. The payment was for a Brooks Brothers store card managed by Citibank, and I missed it because I never received a bill. Citi claims that I elected to switch to paperless billing XX/XX/2015, despite the fact that I never use paperless billing for any card and the email address they had on file was outdated. I asked them for screenshots to show me where I selected paperless billing, but they have declined to provide those screenshots. 

This switch to paperless billing coincided with Brooks Brothers changing the bank that was managing their card. The first time I logged on to the new Citi website is when they claim I chose to switch to paperless billing. I presume what happened on that first logon is they fooled me into selecting paperless billing with small print, a confusing question and/or a box that was pre-checked to move to paperless that I did not notice. I say " fooled '' very purposefully. I never intended to stop receiving paper bills and instead send bills to an email address I never use, but Citi insists that I did and it is my fault, despite the fact that they will not show me proof of what I selected. Now my credit score is suffering from this situation. 

I have appealed this to Citi multiple times and have gotten nowhere. When I spoke to them about filing a complaint with the CFPB they discouraged me from doing so - their representative said the CFPB would visit their office, they would show the CFPB that I was the one who selected paperless billing, and they would dismiss the complaint. This strikes me as exactly the reason the CFPB was created in the first place - the bank confuses the customer, the customer complains, the bank says " it was your fault, deal with the consequences. '' On top of that, to tell me " do n't bother going to the CFPB, they wo n't help you '' seems borderline unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NSTAR/COOPER  Account Number : XXXX This is not mine.

2. Identity Theft Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Product: Mortgage

I filed grievance with the federal agencies regarding the transaction of note with my servicer. They never addressed the mortgage broker fraud and appraisal fraud and the many regulatory and statutory issues that I submitted for their review. All they did was state, they serviced the mortgage properly and any issues with the transaction of the mortgage is to go back to my home builder. My home builder did not do the mortgage which they are servicing as an agent of the mortgage holder. Now they sent a letter of intent to foreclose. They never addressed one issue that I raised regarding my transaction of the mortgage. They failed and refused to do so. As a consumer using the grievance process to try and resolve with them has failed do to their refusal to even address one issue I raised. I have now sent copies of my letter attached to my State Attorney office and the banking regulatory agency of my state for help. I also sent letter to HUD and FTC and CPFB and Office of the Comptroller of the Currency. Hopefully these agencies will be involved to help me as a consumer regarding these serious issues raised and to be addressed to me as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX appears on my report, but I do not have an account. It shows a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Transunion, XXXX and XXXX they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are with Equifax. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Equifax credit score. 
00039 Serious delinquency Note : According to Equifax reporting on XXXX XXXX, " You have a stellar payment history! 100 % '' 00010 Ratio of balance to limit on bank revolving or other rev accts too high Note : According to Equifax reporting on XXXX XXXX, " You aren't using too much of your credit card limits. 1 % used. '' 00014 Length of time accounts have been established Note : According to Equifax reporting on XXXX XXXX, " Your oldest account is 4 years, 7 months old. Your credit history looks pretty new. '' 00006 Too many consumer finance company accounts Note : According to Equifax reporting on XXXX XXXX, " There's a solid number of accounts on your report. You have XXXX. '' Note : There is a XXXX XXXX XXXX XXXX account which I have strenuously disputed for a number of years under closed accounts. That account is due to fall off the Equifax credit report this year. I am requesting the account be eliminated from my Equifax Credit report and a rapid recalculation occur using accurate and updated reporting. 
Note : I previously sent Equifax legal court documents reflecting my name, XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX and all derivatives be stricken from my credit report. No one is reporting credit activity under XXXX XXXX XXXX or derivative and the name should be permanently stricken.
Product: Debt collection

Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. 

They were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. 

Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.
Product: Mortgage

Good morning. 

In XXXX of XXXX my mortgage was transferred from DITECH Mortgage to XXXX Mortgage. In the process DITECH reported that I had not made my XXXX, XXXX and XXXX payments. This was not the case. I called DITECH and spoke to a CSR on 5 occasions in the past 40 days. Each time they told me it was an error on their part and that it would be fixed. In the past 40 days I 've received 6 foreclosure packets in the mail and the new loan servicer, XXXX shows that I 'm in default and will NOT accept my XXXX or XXXX payments. I 'm stuck in mortgage lender XXXX and ca n't get out. Can you help?
Product: Debt collection

I closed my XXXX internet account and returned the model to the XXXX  location via XXXX and verification. The executive office of XXXX kept reassuring me that my account was closed and paid in full via email. Today I received a text from a collection agency, TSI regarding my XXXX account which is supposed to be closed and paid in full. 

The executive office reassured me this would not happen and I have various emails. I reached out to XXXX today about this matter as this is unacceptable. I don't understand why XXXX keeps doing this and they seem to be incompetent with regards to handling billing matters.
Product: Debt collection

CREDIT MANAGEMENT LP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2024 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran a credit report for a loan without my consent, never the loan results was consulted with me, and I was not interested in any of their stuck vehicle. This wil result in lowering my credit score. Was informed by XXXX XXXX
Product: Debt collection

This is in relation to Capital Accounts LLC, address showing on my XXXX  credit report is XXXX XXXX XXXX, XXXX, TN. Phone number XXXX. 

I saw a collection account on my credit report for the amount of {$660.00}, owed to XXXX XXXX. This was surprising to me, as I had only ever in my life been to one XXXX, and it was one located 2 miles from my house ( XXXX is located in XXXX, OH - a place I have never been ). Clearly this account was not mine so I contacted Capital Accounts to have it removed from my credit report. 

When I first called on XX/XX/XXXX at XXXX ET, they could not locate me based on my information - name, social security number, date of birth, phone number, etc. This should have been a red flag for them but they required me to go back to XXXX to get the unredacted account number for their own collections account. This was an inconvenience but there was no other way to proceed, so I did so. 

I then called Capital Accounts LLC back on XX/XX/XXXX at XXXX ET. I gave the representative ( XXXX? ) the account number and she asked me again for my personal information, which she indicated did not match what they had on their side. Again, this should have been a red flag for them but they indicated they would contact the client ( XXXX XXXX ) to figure out what went wrong and that they would call me back on either Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at the latest. 

Having not heard from Capital Accounts, I called them at XXXX on XX/XX/XXXX to check the status. The representative on the line was rude and told me I would " just have to wait until they called me back ''. He then proceeded to rudely hang up on me. 

After this call, I decided to directly call the XXXX in question ; the lady there was very receptive, quickly identified that the account was not mine, and agreed to reach out to Capital Accounts to have the issue corrected. 

My complaint here is that Capital Accounts LLC wields a fair amount of power in placing collections onto people 's credit reports ; an errant entry there can wreck a consumer 's credit score and cause real damage ( monetary and otherwise ) as a result. I felt that Capital Accounts LLC was disorganized and unwilling to assist a consumer who clearly had been incorrectly tied to a collection - all of that on top of their lack of diligence in the first place in terms of how they tied the collection account to me ; it appears they did nothing more than look for XXXX XXXX ( a fairly common name ) born in the same month and year as I, and grabbed the first person they saw ( or perhaps grabbed the first one with an excellent credit score ). This company needs to fix their processes or, failing that, should be shut down. I sincerely hope that no other consumer has to go through what I went through here.
Product: Debt collection

On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, XXXX, I notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have noticed Collection Agency Information located on my credit reports. Also, credit reporting inaccurate & incomplete information without proper notice and validation of the debt may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Ive written to the Collection Agency to notify them of their unlawful mistake. Furthermore, XXXX never properly contacted me concerning any debt owed with a balance of {$19.00}. However, I have disputed a similar debt from a different debt collection agency in XXXX of XXXX. I also requested that the debt collection agency send a copy of my dispute letter to the original creditor to ensure XXXX is aware of my dispute with the debt. The collection agency never responded to me. Finally, there is more than one person with my name in the database at XXXX. I respectfully asked for XXXX  to promptly inform me in writing of the results when XXXX has finished with its investigation regarding this medical bill of {$19.00} at my address. I did not receive a response from XXXX For transparency, I informed XXXX  that I may file this letter as a complaint with the Oklahoma Attorney General as well as the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax security breach, it is advised that consumer 's put freezes on their accounts with all XXXX credit reporting agencies, yet it is only Free due to the breach on Equifax. Other agencies charge {$10.00}. I feel that since Equifax is responsible, they should pay these fees for the consumer.