23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **RE : Dispute of Reporting and Cease and Desist Request*XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the reporting of the above-referenced account on my credit file. I do not have any recollection of this account, and it appears that it is past the statute of limitations for collection in both Wisconsin and Tennessee.

Moreover, you have not obtained my written consent to furnish my information to any credit reporting agencies, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681s-2, you are prohibited from furnishing information regarding a consumer that you know or should have known was inaccurate.

Additionally, I would like to point out that 15 U.S.C. 1666b prohibits the reporting of unauthorized payments. Since I do not recognize this account, the reporting of late payments is unauthorized and therefore inaccurate.

In light of these violations, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as any reporting to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing of their refusal to pay an alleged debt, the debt collector must cease all communication.

I would like to emphasize that the following laws have been violated in your handling of this account : 1. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent ( 15 U.S.C . 1681s-2 ).

2. **Fair Debt Collection Practices Act ( FDCPA ) ** - Continuing to communicate regarding a debt without valid consent ( 15 U.S.C . 1692c ( c ) ).

3. **Regulation Z ( Truth in Lending Act ) ** - Prohibition against reporting unauthorized payments ( 15 U.S.C . 1666b ).

I expect your immediate attention to this matter. Should you ignore this request, I will not hesitate to seek legal action to protect my rights as a consumer.

I would also like a letter of deletion notification sent to XXXX so that I can have proof sent to the other agencies for immediate removal! 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Debt collection

My wages are being garnished for non-judgment spouse for medical debt that belongs to a man I am not legally married to. Supporting documents include : date he and I were married and date he and his first wife were divorced showing that he was still in a legal marriage to his first wife at the time of our marriage. This is called Bigamy and voids out my marriage to him. I filed a claim of exemption showing this fact but I am still being garnished and have to appear for a hearing.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was unfairly charged for overdrafts on an account that I didnt have overdraft on. The last activity on the account was I withdraw {$20.00} more then what was in my account at an atm and they charged me an overdraft fee plus the {$20.00}. I tried to close the account however they wouldnt close the account until I brought it out of the negative. A few monthly later I received a letter from Wells Fargo crediting my account back the overdraft fee and the {$20.00} in the total amount of {$70.00} that I currently owed bringing it back to {$0.00} and closing my account. Well it has been about a year and a half to two years and I just received a letter saying I not only owed the original {$70.00} now I owe {$170.00} and it was sent to collections. When I called they told me the overdraft was due to my second to last transaction where I sent a friend money on XXXX not the last transaction at the atm denied ever bringing my balance to XXXX or ever closing my account. They told me the new fees were for a monthly membership continuing to charge my account that I know will cancel the subscription before overdrafting plus my account wasnt charged In the months before the letter stating they closed my account and plus I was paying the fee from my new bank account. So they lied about me that
Product: Credit reporting

Experian credit report states that I opened an account with XXXX XXXX 2006 which is not true. What is the reference number used to support this account being opened in 2006 by this company? This account did not exist
Product: Student loan

Nelnet accepted my payment online for {$200.00} through my checking account which is also my credit card its the same account then they refunded the money. I was on a low payment plan because I was laid off but that was set to expire which means my payments would go up to {$600.00} a month I cant afford that. Meanwhile I am gaining interest of around {$500.00} a month I owe {$65000.00}. Upon graduation XXXX said I owe them XXXX more dollars and never gave me my XXXX degree I have no transcripts and no degree and the school has closed. I cant get a job because Im a XXXX I shouldve never been approved for the program in the first place. I am driving a truck and have been since XX/XX/2014 when I graduated.
Product: Credit card

I am resubmitting this complaint as the last complaint did not get sent to the company, and the issue has never been resolved. This is not a duplicate complaint! CITI bank closed my CITI XXXX credit card account in XX/XX/XXXX and just before that, Citi charged a {$95.00} annual fee for my CITI XXXX card for the year XX/XX/XXXX to XX/XX/XXXX on XX/XX/XXXX. CITI has sent a letter confirming that the {$95.00} annual fee will be refunded in the subsequent statement ( see attachment highlighted in yellow ), and Citi Bank has a policy to refund all annual fees if the card is closed within one month after the annual fee is charged. I have called CITI customer service several times and got confirmed by the different agents about this annual fee refund policy. I already paid this annual fee of {$95.00} from my linked XXXX XXXX account on XX/XX/XXXX. Until now almost 3 months I have not received the {$95.00} annual fee refunded to my credit card account. I have called CITI customer service many times, and each time the CITI agent promised CITI would refund the annual fee within 3-5 business days, but the refund never arrived. I think CITI should value integrity and do as you agreed on writing. Please refund the {$95.00} annual fee of my CITI XXXX card to my account immediately. Thank you!
Product: Mortgage

RE : Ocwen account # XXXX I have spent this past year attempting to short sale my home. I have done everything that Ocwen has asked ; submitted the appropriate paperwork, responded to and scheduled phone calls with my " XXXX '' and was given a verbal approval in XX/XX/XXXX to pursue a short sale XXXX no paperwork provided XXXX. This is after they denied me a deed in lieu and offered me a remodification that I could not afford ; they attempted to bully me into moving back into my home by denying a short sale. I have even had large orange notices posted on my door to publicly shame me ; this is illegal in the state of Pennsylvania. I regularly scheduled appointments with them to update them on the sale of my home ; their last scheduled appointment with me was on XX/XX/XXXX. Each scheduled phone call required that I begin back at square XXXX, explaining my story and reason for short sale while the " relationship XXXX '' claimed that this information was not already there. I repeatedly asked for transcripts of our conversations and even asked for them in writing but it was never provided. 

As soon as I had an offer on the horizon, Ocwen stopped contacting me by phone. The first offer was submitted on XX/XX/XXXX ; they did not respond for XXXX weeks. The buyer wanted to close on XX/XX/XXXX. Ocwen claimed they did not receive the offer despite the fact that it was listed on Equator and my realtor had a confirmation receipt of the listing. My realtor resubmitted the offer. They declined the offer and said it needed to be within 10 % of the appraisal ( for which I was never provided a copy ). The buyer provided a new offer, almost within 5 % of the appraisal ; my realtor uploaded it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I contacted Ocwen to see whether the sale was approved ; the buyer wanted to close before XXXX. They stated, again, that there was no new offer, yet my realtor has confirmation of its posting to XXXX. He submitted it again on XX/XX/XXXX. On XX/XX/XXXX, my realtor confirmed with Equator tech support that an Ocwen employee named XXXX removed everything from the system pertaining to my house. My realtor now has to do it again. 

This is mortgage fraud. They are deliberately attempting to prevent the sale of my home so that they can foreclose and get a payout from the federal government.
Product: Mortgage

I apply for the morgage assistent programs in XX/XX/2022 but my application is still in revew and Idont have any answer yet, also I apply for loan modification trow my bank flags star bank but they said they never receive the papper work I supose returd I tried to make partial payment but dou my estatus forclosure they only accept full payment and right now I am not in position to make the full payment of XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, one unauthorized transaction occurred on each day. The first unauthorized transaction had a sum of {$500.00} and the second transaction had a sum of {$300.00}. Both transactions were accomplished through XXXX to a completely random email. I called the very same day to dispute the transactions with my bank ( Wells Fargo ). They told me they will file a claim and the issue should be resolved within 10 days ( Both transactions at the time were pending ). I called the next day to have my account number and online banking account replaced to prevent any more possible unauthorized transactions. I also mentioned to the specialist to make note my email that is tied to my online banking account has been under multiple attempts to sign in from other people besides me ( I have the XXXX alerts ). The specialist said this would benefit my case as this can mean my account was hacked. After 14 days when I first made the claim ( today ), I called to see what was going on with the claim. That is when they told me my claim was denied for I made both transactions and I was trying to trick the system. The account that received the amount is now unregistered with XXXX which makes it even more suspicious that it was not me who approved the transfer.
Product: Student loan

I'm going to school to earn a PA degree and license in psychiatry. I'm attending the XXXX XXXX XXXX to help obtain that degree. Back in XXXX this year, I receive notifications that NelNet had closed my student loan accounts as paid in full. Based on that information, I decided to start school this past summer and ALL disclosures/information presented to me showed I had {$0.00} in outstanding loan balances. Then, today XX/XX/XXXX, I receive an e-mail from XXXX stating that I had over XXXX XXXXXXXX in outstanding student loans. I get online and make a couple of calls to try and get this looked into. I tried calling NelNet and their wait time was XXXX minutes. I sent them an email but no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information being reported in credit files maintained under my social security with XXXX and Experian. They claim the information was reported by Federal District, US BKPT CT FL XXXX from XX/XX/XXXX. <P/>I challenge the accuracy, compliance and reportability of these entries. I have sent confirmation verifying that these entries were not entered by the entity in which my credit reports claim. I have concerns of identity theft and have filed a report with the IC3.gov on account I have received threaten emails from scammers including my social security number and demographics. Therefore, I do not consist to automative reporting from 3rd party data companies. Even upon this verification XXXX and Experian still insist on reporting this information. My initial request for validating this information with these credit bureaus was on XX/XX/XXXX and a second request was made after they claimed the information was validated. Their claim was inaccurate and conflicted with the verification letters I sent them from the court stated they did not report the information. <P/>XXXX has complied with this request, however they continue to report inaccurate information as well. They are reporting US BKPT CT TENN from XX/XX/XXXX. My initial request to validate this information was also made on XX/XX/XXXX and included a letter from the court stating they did not report this information. As of XX/XX/XXXX I have also initiated a security freeze with XXXX XXXX in efforts for me to clear up some inaccurate information being reported to the credit bureaus. <P/>All three credit bureaus continue to report the of XXXX XXXX XXXX for XXXX XXXX XXXX in the amount of {$4300.00}. They claimed 1st of date delinquency XX/XX/XXXX. I moved out XXXX/XXXX/XXXX. I m I have disputed this with XXXX XXXX XXXX who insist their information from XXXX XXXX is accurate and therefore validated. The credit bureaus continue to report this information dispute the evidence I have supporting that this information is missing data and inaccurate. The evidence XXXX XXXX XXXX has supplied me as validation was a move out inventory sheet which lacked my name, apartment unit, signature and the start lease date was incorrect. They included this with a copy of the first two pages of my signed lease and an itemized billing statement that reflected a base rent that conflicted the signed leased, legal expenses for filing eviction despite I have moved out 3 months prior to their eviction, and claims of damages. My evidence included their evidence pointing out the discrepancies, my noticed to vacate and XXXX XXXX acknowledgement of my notice to vacate prior to my moving out. I also included a copy of a rental verification for another property where XXXX XXXX still acknowledged I had submitted my notice to vacate prior to my moving out. I have filed a complaint with the Better Business Bureau for this unfair and inaccurate reporting by XXXX XXXX.
Product: Mortgage

My mother passed away and I inherited the subject property. The bank said they would work with me to advoid foreclosure in XXXX XXXX the FC is sale date is XXXX XXXX, XXXX. I was advised of what documents was required to be reviewed. I have sent all the required documents. ( XXXX, XXXX, Tax 's return, XXXX form, XXXX ; Dodd Frank Certifcate, XXXX paper work ; Quit claims deeds from all parties. My SPOC ( rep assigned to my loan ) continues to tell me i havent sent the correct documents. When I ask what documents I need to send she does not know. When I requested to speak with a manager I am denied I was advised someone would call back. That did not happen. I called again and was told the only person that I could talk to is my SPOC to whom was not available. I requested for a manager and was denied again. I spent 4 hours on the phone ( begging ) requesting to speak with a manager to get some answers, finally I spoke with a Admin Manager by the name XXXX XXXX ; Whom still was unsure of what documents were still needed. He then adv me my request for a review was closed due to insufficent documents on XXXX XXXX. XXXX said he would re- open ( re- activate is what he called it ) my request. I also asked several times for the FC sale date to be postponed I was denied that. The FC sale date is currently scheduled for XXXX XXXX, XXXX. I previously asked at the beginning of theis process would there be enough time for the reveiw. I was advised in XXXX, XXXX I did n't need to worry about the FC sale date because they have plenty of time to review me. Hence they have not reviewed me for any options and the FC sale date is still set. I asked several time cane the FC sale date be postponed until the can figure out what documents are still needed. Im still waiting for a answer. I live in the house with my XXXX child and we have no where to go if I loose my house. Im just asking for someone to pleae help me save me home.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. This prolonged inaction is causing me significant financial and emotional distress. I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$7000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX Equifax and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " canned '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Consumer Loan

Dear Investigating officerFollowing up on my phone conversation with your agent, I am filling a complaint against Wells Fargo in regards to my car loan. The statement I receive from them does not include how my payment is being applied between the principal and the interest, and any fees if applicable. I have reached out to them to request a more detailed statement, and was advised that they can not send any different statement that the one I currently receive with the limited information. I believe that such operations are not only unethical but break the law, more precisely, the Act of 2009, signed into law by President XXXX Obama - Public Law XXXX -- the Accountability Responsibility and Disclosure Act of 2009. 
Thank you and kind regards, XXXX XXXX
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result.. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, XXXX has to do this on there own. They don't have much empathy either, just take the money and not willing to help. The XXXX XXXX XXXX has been paid, I would like XXXX to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!
Product: Money transfer, virtual currency, or money service

Cashapp- over draft fees, money withdrawal to companies without my consent.and loans transition fees.
Product: Credit reporting or other personal consumer reports

In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX apartment investors/ and Fair XXXX XXXX XXXX XXXX Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.