23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint because GINNY 'S does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the FCBA. They never responded with the documentation requested and required by the FCBA.
Product: Mortgage

XX/XX/scrub>XXXX XXXX XXXX  wire transfer for a final mortgage payment ( {$1100.00} ) initiated from XXXX XXXX to Mr. Cooper account with XXXXXXXX XXXX 

XX/XX/year> completed wire transfer confirmation. Wire transfer was rejected requesting more information. I was not contacted by XXXX, Mr Cooper, or XXXX XXXX about requesting additional information. After a full week of contacting Mr. Cooper who still did not receive the payment we ( Mr. Cooper agent and I ) contacted XXXX XXXX about the wire transfer. We were informed of the issue and I provided the requested information to XXXX XXXX to send to XXXXXXXX XXXX  Another week goes by and I contacted Mr. Cooper, they still did not receive the wire transfer. I ask if they com contact their bank and check the status but I was told to contact XXXXXXXX XXXX and that the agent is not able to. This delay caused the wire transfer to no longer be the valid payoff amount. 

XX/XX/year>, I contacted Mr Cooper and was told to do a new final payoff amount. A Mr Cooper agent said, if the wire transfer does eventually go through and the account has already been paid in full you will receive the wire transfer amount back. I completed the new payoff amount and then contacted I contacted XXXX XXXX to request that the wire transfer be cancelled, if it has still not been accepted by XXXX. As it's no longer valid and the account it was for has already been paid in full. 

XX/XX/XXXX I've still not received the wire transfer refunded. I've contacted via Email Mr Cooper and informed them that Ill be file a complaint for XXXXXXXX XXXX and Mr. Cooper regarding this issue.
Product: Credit reporting or other personal consumer reports

As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From TRANSUNION with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late Payments
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Vehicle loan or lease

I am having issues with my billing statement. I am behind every billing period because for misc. and late fees that was acquired during an incident in XXXX of 2018 with Nissan Motor Acceptance Corp. I was late with a balance owed of {$2400.00} I was going through job loss and needed time to adjust the balance. which I let them know that. I was still making my monthly payments even though I was behind. This lasted two months, but on the third month I was one day away from making my payment with the intentions of paying both due and past amount to get caught up and my car was repossessed. Such a let down for me because I really worked hard to bounce back. Afterwards I wanted to pay off the full balance and they would not accept my visa payment and forced me to catch a bus to XXXX XXXX to pay for the balance. I politely explained this situation with them and asked for understanding. They tacked on {$540.00} tow fee on my statement. Since then i have been current except I refuseed to pay this fee which makes me late every month. I have tried to work with them even escalated to consumer affairs. And nothing has been done for me, a honest hard working customer. I have {$100.00} in late fees now and growing. On top of paying over 11 % in interest from the actual company im financing with this should not have been a problem for them. Please help. I also do not know why my payments have different amounts applied to interest and my principal. Please view the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had informed XXXX 's representatives of my financial hardship which started in XX/XX/XXXX. At the time, there was no hope for me to pay my bill on time as I couldn't even have enough money to eat after paying my rent. I tried numerous time to pay even the smallest amount but no compassion from XXXX XXXX, my account was sent to collection. Having this card since XXXX, that's the way loyalty is rewarded with this company. 
In XX/XX/XXXX, I initiated a monthly payment to pay my debt in FULL. The charge-off is not accurate since XX/XX/XXXX as the debt was recovered in full! I was informed by XXXX 's representative in Credit Services Department that the Charge-off information in my credit report would be removed from my credit report once the debt is paid in full. I made numerous attempts to removed this from my credit report but no success! XXXX 's mislead its customer and then refuses to do its part.
Product: Checking or savings account

XX/XX/XXXX and XX/XX/XXXX on both dates {$240.00} was drafted from my account from XXXX XXXX I utilized XXXX movers for XXXX hours for {$120.00} an hour to load in XXXX XXXX, XXXX and unload in XXXX XXXX, during the process my table was damaged, mover stepped on the post of my dining room table and my XXXX inch flat screen XXXX XXXX XXXX XXXX XXXX was damaged/ dropped. It had a crack in the screen, lines were running through, it blanked on and off and then did not come back on at all. XXXX was barely XXXX XXXX XXXX. Company has a {$1000.00} liability insurance which they advertise and only offered me {$17.00} for my XXXX. I contacted Wells Fargo to create a claim and despite them having the information of how much was paid, when and to whom they fail to work on my behalf stating they didnt have the receipt of how much was paid, they refuse to open a new claim and have the company reimburse my funds, they are my bank which I used my bank card and they withdrawal from my account on both dates should be receipt evidence. I told them the company is not returning any calls, text or emails in order to get receipt copies.
Product: Student loan

MOHELA changed my payment plan without my consent. They also billed me with one day notice not the 3 week notice. My loan was being transferred to the new site and they sent me a bill before I could even log on because it was still not fully transferred. 

Today they sent a letter saying my payment plan had been changed, but I never initiated a plan change and I did not consent to this. 

They removed my SAVE plan just so they could charge me more. My bill will go from {$200.00} to over {$1500.00}! 

I need my SAVE plan restored and not for MOHELA to freely change my payment plan without my consent. I see this has happened to numerous other people as well.
Product: Mortgage

I submitted a hardcopy letter and payment receipt to my Mortgage company ( LakeviewXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 stating that I had already paid my property taxes for whole year ( paid in full {$840.00} on XX/XX/2022 ). I never received any reply or acknowledgement of my letter. I received an email on XXXX XXXX, XXXX  stating that a disbursement was made on my behalf for {$420.00} to my property taxes. I sent an inquiry as to why a payment was sent after it was already paid in full. I never received a reply. I called and resubmitted my inquiry on XXXX XXXX, XXXX  via their online inquiry page. I received an automated reply stating that my inquiry was being sent to the proper department for review and should receive a response soon. However, today is XX/XX/2022 and I still have not received any reply from this company! I have had the same problem with this company for the last three years. I have asked to remove the Escrow and just allow me to pay my property taxes and homeowners insurance on my own, which I already do anyway. In the last two years, I have had my homeowners insurance policy cancelled and I had to call to reinstate them because my Escrow sent the payment, but not with enough time to process a " bulk '' check to the company. I asked why they were still sending paper checks and " bulk checks '' instead of handling my payments electronically, or paying them directly from my Escrow to their company to avoid termination of my policy for not getting their " bulk check '' out in time. I never received an answer to that either... 
I have asked to remove the Escrow altogether because they are doing a poor job with taking care of things or following instructions. A mishandling of my money and time! I was told they couldn't remove the Escrow unless we had paid off a certain percentage of the loan. We have refinanced twice with this company and each time, they still XXXX something up. Since I am not worth the courtesy or a return phone call, a return email, or a follow up correspondence letter, I am filing this complaint now. I am tired of being ignored.
Product: Credit card

Underpaid Comenity-Lands End Visa Credit Card by {$.00} by mistake on XX/XX/year>. Bill was {$14.00}, and I paid {$14.00}. I recieved a bill from them but did not open it in time as I had not charged anything further to Lands End and did not expect a bill.

The bill was for {$16.00}, {$14.00} in late fees and {$2.00} in interest. Called Comenity and they waived the late fee but would not waive the {$2.00} interest. I paid the {$2.00} a day late on XX/XX/year>. Now I have received another bill for {$33.00} but was told on the phone by a Comenity Supervisor that {$18.00} is due and there will be no further waiver of fees. I paid {$20.00}, the {$2.00} overage both to annoy them and to make sure there would not be another {$2.00} interest charge. 
I asked to cancel the credit card on my first call expecting to be transferred to someone who could waive the {$2.00} fee and accept the day late payment without further charges. Instead the original customer service person cancelled the car. 
In summary the {$.00} error has cost me {$22.00} and a card that I enjoyed using.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$11000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all late payment history from XXXX XXXX XXXX account # XXXX XXXXXXXX because the late payment history is inaccurate and reports differently on all 3 bureaus XXXX XXXX  shows XX/XX/2018 paid on time, XXXX XX/XX/2018 paid on time, XXXX XX/XX/2018 show 30 days past due.
Product: Vehicle loan or lease

Taking advantage of consumers. Never applying payment amounts to principal balance. Doing this for years. Acting like they are giving auto loans like a bank and functioning like one in your interest when in actuality they prevent you from paying off your loan early and reducing balance and saving in interest.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint to FIFTH THIRD BANK NA regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the FIFTH THIRD BANK NA will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Today on XX/XX/XXXX I made yet another call to this credit reporting agency. I was transferred to employee " XXXX '' who claimed he did to have an employee number to provide me with and would only say " I am out of XXXX, TX '' he argued with me endlessly that Experian is NOT required to follow federal reporting standards of completeness and COMPLIANCE or XXXX XXXX reporting laws. He explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. He said they refuse to delete the information that is being reported wrong and there is nothing he or Experian will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. I have kept very accurate records sinceXX/XX/XXXXof all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint. I have also recorded the conversation dated todayXX/XX/XXXX for my records.
Product: Money transfer, virtual currency, or money service

Zelle transf made or received in XXXX incorrectly, no resolution
Product: Checking or savings account

Truist bank. 
I opened an account on XX/XX/XXXX or XX/XX/XXXX XXXX and deposited a check for XXXX $ ( est ) They told me it would be a week ( XX/XX/XXXX ) before funds are deposited. The next day ( day after opening account ) my account was closed for fraud. 
It has been over a month and they haven't told me what was going on. 
I'm really upset as the money was from a loan and I've had to make payments already on the amount. 
They will not give the money back at all.
Product: Debt collection

My credit card ( XXXX ) had unauthorized transactions via XXXX XX/XX/2017. Two charges of {$370.00} from someone who had shipped something using my card number. XXXX immediately sent a new credit card and voided the charges. I received invoices from XXXX  for a remaining balance of {$110.00} and {$370.00} and called them to inform them of the fraud. They voided the charges as well so now there is a balance of {$0.00} on their end. I called Transworld Systems Inc. ( Collections ) telling them what had happened. They are saying that I owe two balances of {$120.00} and also {$420.00}. They told me they are waiting on XXXX to give them the information, but case has been closed since everything was resolved in XXXX and there is a {$0.00} balance. I am concerned about my credit score since they are trying to collect money from me that I do not owe. I filed a police report and also obtained case numbers from fedex today. XXXX said they can not reopen the case due to the date and there not being a balance. This sounds like something that should be resolved between XXXX and their collections agency, but if neither party are in contact with each other, I'm assuming my credit will take the hit if no actions are taken. I currently do not have a way to scan all of the documents into the attachments, but I am happy to provide whatever is needed via fax.
Product: Debt collection

XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

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 involving my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that CFPB take appropriate action to ensure Equifax complies with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$1000.00} XXXX XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$14000.00}
Product: Debt collection

Minnesota Court File No. XXXX Midland Funding LLC as successor in interest to XXXX vs XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Case Type : Default Judgment Location : XXXX Debtor ( s ) XXXX, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor ( s ) Midland Funding LLC as successor in interest to XXXX Entered Date : XX/XX/XXXX Docketed : XX/XX/XXXX XXXX Orig. Amount : {$1300.00} Curr. Principal : {$1300.00} Judicial Officer : XXXX, XXXX XXXX. 
Type : Judgment Status : Active I have never been contacted by Midland Funding or the original creditor XXXX before, until I just received a garnishment summons that threatens to garnish my savings account. 

After receiving this summons, I discovered a judgement was entered for this debt XX/XX/XXXX in XXXX County, Minnesota. I never received notice that a judgement was pending in my name, nor any debt collection letters or phone calls regarding this prior to the judgement, or after, until this garnishment letter now, or I would have disputed it. It is not my debt. 

I contacted XXXX XXXX XXXX XXXX, the attorneys for Midland Funding, and was told this was a credit card debt with the original creditor being XXXX, with a principal balance of {$1300.00}, and issued under my maiden name XXXX. They are now seeking an unpaid balance of {$1900.00}. 

I have never applied for, obtained or received a credit card from XXXX. In fact, I have never even had a credit card with a limit higher than {$300.00} in my name ever. The only credit cards I have ever owned are from XXXX XXXX and XXXX. I also have not lived in the county of issuance ( XXXX County ) since XX/XX/XXXX, nor have I used my maiden name ( XXXX ) since I was married in XX/XX/XXXX XXXX my last name is XXXX ). 

Neither Midland Funding or XXXX XXXX XXXX XXXX will supply me with any further details relating to this debt for a possible identity theft investigation. In fact, they will not even supply proof that the debt belongs to me. They may have mistook my identity for another person who actually owns this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in equifax security breach of XXXX. My equifax credit report has not updated since XXXX of XXXX. When I pull my credit report online I have history all the way up to XXXX of XXXX. Starting in XX/XX/XXXX until current date, all of my report information is showing to be cleared and lost. I have no report information, several lenders I have used have not been able to find my equifax credit report and its affecting me financially. I would like Equifax to correct their problem and update my report to reflect my current credit information. I have made several attempts to email Equifax customer service on this matter as well as several phone calls. They try to assure me that there are no issues when I can login to their website and all reports after XX/XX/XXXX show absolutely no information at all. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an erroneous account on my credit file. I recently checked my credit and noticed that I have an account reporting on there that I am not aware of and does not look familiar to me. I am on someone's account as an authorized user but it is not my account. I never signed anything authorizing this account to report on my credit and I never requested to be added on this line of credit. I need my name removed the the account and deleted from my credit file immediately. This is not my account and I was never aware of this.