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

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Debt collection

ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability.
Product: Mortgage

I am a XXXX XXXX XXXX  at the XXXX XXXX unit at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX. This complaint is in reference to my client, XXXX XXXX, who has a mortgage currently serviced by Fay Servicing. 

Borrower : XXXX XXXX XXXX : XXXX Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX 
Loan # : XXXX Servicer : Fay Servicing XXXX XXXX went into default in XXXX of XXXX and as of XX/XX/XXXX owed approximately {$4200.00} to reinstate. My organization is operating a program to reinstate eligible homeowners in foreclosure through Community Development Block Grant funds provided by the CARES Act and distributed through the City of XXXX XXXX. 

We determined XXXX XXXX to be eligible for program benefits and sent {$4100.00} to Fay Servicing on XX/XX/XXXX by wire on her behalf, to cover the six months of default from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX stated that she could and would continue repayment from XX/XX/XXXX onward. I received written confirmation on XX/XX/XXXX that our wire was received and applied to XXXX XXXX 's account but that it fell short of the XXXX payment she had agreed to pay by {$170.00}. 

XXXX XXXX attempted to pay this amount over the phone by ACH debit directly from her checking account by providing the Fay Servicing representative the routing/transit number and account number off of a check. Instead of debiting my client the {$170.00} she owed, they debited her account the full {$4300.00}, as if they hadn't already received and acknowledged the {$4100.00} payment from us. This caused her bank to return it as not sufficient funds. Fay subsequently charged XXXX XXXX an NSF fee of {$10.00}, on top of the fees her back levied against her for the NSF charge. 

Fay assigned a single point of contact to XXXX XXXX, one XXXX XXXX, who was extremely difficult to reach. I tried calling at least 5 times over the course of XXXX and XX/XX/XXXX. When I did reach her, she claimed to have been trying to reach me. My client experienced the same difficulty in communication followed by recriminations of XXXX XXXX trying to get in touch with XXXX XXXX. XXXX XXXX was rude to me when we did finally speak and hung up on my client when she was confronted with the mistake regarding the ACH debit overcharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the Equifax hack, my information has been disclosed improperly. I fear this will affect my ability to successfully apply for credit in the future and places me at higher risk for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint includes this very agency who in my opinion has failed to protect we the consumer and citizen. After years of the same complaints I received the latest report from one of the reporting agencies still incorrect and even after faxing them the correct information. By design and by fact of multiple situations they evidently can not report accurately as witnessed by the numerous reports to your agency alone. My credit report remains wrong hence impacting FICA scores. Allegedly this agency [ CFPB ] has oversight as posted on the WWW. Yet these frauds and it is fraud in my opinion because agencies and entities that base their financial and other decisions off of the product they deliver is receiving false and misleading information, inaccurate and out of date evidently deliberately. Even third parties who gather are even more out of date. Hence they do not and never can have the true and timely information. The system is by design a failure and a major impact to the American consumer and citizens. Any decision deliberately furnished and known to be false perpetrates a fraud upon me and mine and that is a violation of the law. In my opinion for anyone involved in any of these organizations to actually believe this is ethical, and honorable is beyond comprehension.
Product: Mortgage

Dear Sir or MadamI am in constant amazement of your companies business practices. Attached please find a loan of a property I purchased in XX/XX/XXXX. The property address is XXXX XXXX XXXX XXXX NC XXXX. It is a XXXX bedroom condo that I purchased for {$110000.00} as an investment property through Wachovia. I have called Wells Fargo many times to this day to have this property loan NOT listed as my primary residence XXXX XXXX XXXX XXXX Florida XXXX. Many times when I call Wells Fargo they tell me there are too many numbers in my loan XXXX maturity date XX/XX/XXXX and it is not a Wells Fargo loan. They also list the loan as a Mortgage Equity Loan Statement! I then explain it is an old Wachovia loan and then they go oh! But do n't you think after XXXX you would have consolidated the loans and had proper Wells Fargo loan numbers attached to the old Wachovia loan numbers. XXXX things I need I was dealing with XXXX XXXX XXXX in your loan dept and I asked him for XXXX, XXXX and XXXX rates on my existing payoff of {$74000.00} and that they need to remove my Primary Residence off this loan and then that is when the fun starts. I then email him all of my information and he will not answer emails or phone calls. No one form Wells Fargo will call me back, answer emails or return any messages. Could someone please get back to me it should be an automatic refi, I have never missed a payment and I want to get my primary address cleared up and the North Carolina address for the property cleared up. I do not know whom to talk to as I have sat on hold for hours at a time and have been bounced around from department to department with no resolution. It should be an auto refi and go forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed XXXX items on my XXXX consumer credit report that was allegedly furnished by the company Affirm. My dispute was delivered to Affirm on XX/XX/2021 and they have failed to respond to my dispute within the XXXX day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is Equifax due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX. 

I have also disputed with XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018. 
I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus. 

This item XXXXXXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you Equifax has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you Equifax and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXXXXXX XXXX is indicating you Equifax are the party in this matter not reporting information accurately. 

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted. 

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency. 

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I open up a cash app account my name is XXXX XXXX and I wasn't spending over {$100000.00} so I didn't have to get my account verified to use {$150.00} so I got {$150.00} to put in my account because I'm I was stranded in another city and I can't get back home so they sent me the money to pay for me a place and they did not access of it talking about I need to verify but I never had to do this before it went against all the terms and conditions and they've lied going back and forth I've called several times to try to get it taken care of and I'm getting the same results they talking about 6 months I've talked to several agents and I mean I need my I need my money because I'm homeless and I need them I need to be compensated for all this drama that I've been going through and if this can be taken care of ASAP it'll gladly be appreciated thank you the name of the company is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted Nelnet in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX XXXX XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Checking or savings account

By the poor service received from this bank, today XX/XX/2021 I sended a order letter to close the account immediately, the bank dont want to close my account. Here I attach letter sended by email and fax to the bank.
Product: Debt collection

A debt of {$98.00} was paid to the collection agency. Info : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX A debt owed is still showing in my credit report after it was paid and I would like to have that removed please. It is taking more time then expected Conformation number of debt paid : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

looking at all the data listed I am interested in processing disputes with transunion on my credit report for all inaccurate information listed. this is hurting my file I need all data removed asap. please delete the following information requested.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution price was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2018, we received an ordinary mail from Chase, apparently a credit card account was opened through XXXX XXXX, ending in XXXX, and we were charged XXXX annual prime fee. We are XXXX XXXX members but were unaware of this credit card account or the fee. 
We called the number on the Chase bill given us, spoke to several representatives with XXXX accents, and found out this was a legitimate fee, but no idea why the credit card account was started. We were less upset, but really have cut out unnecessary credit cards and asked to cancel this card The representative assured us the card would be cancelled and the prime fee would be transferred to our other credit card acoount, actually also from Chase, ending in XXXX. He asked out email to send us confirmation. 

Today, we received another bill from Chase for the XXXX account. We called the number provided on the chase bill again, bounced to security department who would investigate the charges BUT THEY SAID THERE WAS NO RECORD OF THE FIRST PHONE CALL! 
I was willing to pay the XXXX, but was sure i gave our othe rcredit card to the first caller and felt this had to be resolved, Why had they no record of my call? would this happen again when i hang up? who did I give my other credit card info to? 

I couldn't get them to give me a confirmation number, or case number to prove we had called today. They said they have adequate records by recording the call and placing a memo in my chart. They also stated they would send me a letter confirming they cancelled my account, but no other proof we called was offered. After an hour on the second call, I am no further along, as i have no proof that I have paid these charges or cancelled this credit card other than THEIR word on the phone. This is the number I called the first time. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfamiliar things on credit report after selling XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 called couldnt verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry made on account XXXX Inquired on XX/XX/2019 couldnt verify XXXX  Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry XXXX   CARD Inquired on XX/XX/2019 called couldnt verify
Product: Debt collection

Re : Docket XXXX XXXX XXXXXXXX To Whom It May Concern : I am filing a formal complaint against Pressler , Felt & Warshaw , LLP due to their inaction in resolving the illegal withholding of my wages through a XXXX for a debt that, as the attached response from the law firm confirms, I do not owe. I do not have an open file with them, yet they are still withholding money from my account. Their acknowledgment that I do not owe them anything should be sufficient for them to immediately contact XXXX and release my funds without further delay. XXXX XXXX  has informed me of the docket number above and instructed me to contact the law firm, as I did a long time ago, to resolve this matter to no avail. 

I am once again attaching the proof that the law firm requested, which was sent to them via email on XX/XX/year>, two weeks ago. This proof demonstrates that my wages are being unfairly withheld, that the money belongs to me and nobody else, and that, as of today, I am still waiting for a resolution and the release of my wages. I am in urgent need of these funds to cover my expenses. 

I request that Pressler , Felt & Warshaw , LLP resolve this matter without further delay. Please take immediate action to release my funds and bring this issue to a prompt conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following alerts from all three of my credit reports : XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

I received a call back in XX/XX/XXXX about a debt. I told the lady that I spoke to I request a debt validation be sent to me. I also told her I want all communication to be sent via email and not to call me on the phoneI did not receive a email for three months she proceeded to call me again today ( XX/XX/XXXX ) to ask me why I have not responded to her while we was on the phone. She sent me the debt validation message. This is well past the 30 days that I requested that validation and she still called me after I said not to call.
Product: Mortgage

Green Tree Servicing is foreclosing on my home when they DO NOT OWN THE MORTGAGE and legally can not foreclose long with the fact that they do not service the mortgage either. I contacted Green Tree they claim they are not foreclosing yet the law office claims that Green Tree is in fact having them proceed with the foreclosure even though they do not service it or own the mortgage not to mention that the documentation I have requested for the last 6 years regarding the note and payment I have not received
Product: Prepaid card

On the morning of XXXX I viewed the transaction history on my Wisely by ADP pay card and there was a transaction I did not make for {$14.00} made for or by XXXX XXXX XXXX XXXX. I immediately contacted the Wisely customer service center to report it and cancel the card. They have since given me the run around regarding this Transaction and then sent a notice with the finding that it was not a fraudulent transaction. Upon review and multiple attempts trying to discuss this issue with someone the only advice was to write a formal request to receive the documents used to make the decision and reopen the claim. So on XX/XX/2023 I mailed them a letter to the dispute address provide and have since still been given the run around and told they did not receive my request. I keep getting hung up on or told the only option is to wait for a call back but nothing is done. This is horrible to treat people like this and I understand people lie but if they looked at my transaction history and actually investigated they could see I did not make this purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, XXXX XXXX, Equifax, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, Equifax or XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ' XXXX XXXX XXXX in Statement Say.. I am a Victim of Identity Theft. 

Explaining and Stating ' that Identity Theft Victims have additional Rights ' as States ', Local Consumer Protection Agencies, as well as ' the State Attorney Generals Office may enforce ' their own State Laws ' and Federal Rights Laws ' of Consumer Reporting. 

Compliant ' In ' the Request for the Removal of Background Information upon ' XXXX XXXX XXXX  Investigation of Inaccurate Information of Identity Theft since ' XX/XX/XXXX. 

Type of Problem ' as the CFPB brought Data Issues of concerns of Identity Theft for Investigation to my attention in XXXX. 

What Happened ' was Cause for an FTC Affidavit that was submitted to a number of Speciality Reporting Agencies regarding the Inaccurate Information in the continuing concerns of ( ID Theft ) since ' XX/XX/XXXX. 

What Company ' XXXX XXXX XXXX XXXX ( Phased-Out ) Who is Involved ' XXXX XXXX