23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE REPEATEDLY FORWARDED TO WELLS Fargo FORECLOSURE DOCUMENTS THAT I HAVE IN POSSESSION THAT CLEARLY IS A PERFECT EXAMPLE OF " ROBO SIGNING. '' ESSENTIALLY, UNSIGNED NOTICE OF FORECLOSURE DOCUMENTS. IN THE MOST RECENT LETTER RECEIVED ( DATED XX/XX/XXXX, XXXX ) BY WELLS FARGO, THIS COMPANY STATED " WE FOLLOW ALL APPLICABLE FEDERAL AND STATE REGULATIONS WHEN SERVICING ACCOUNTS AND RESPECTFULLY DENY THE ALLEGATIONS OF ROBO-SIGNING AND THAT THE FORECLOSURE WAS NOT HANDLED LEGALLY AND CORRECTLY. '' IN THIS SAME LETTER THE FOLLOWING STATED " WE DENY YOUR REQUEST FOR COMPENSATION. HOWEVER, WE WILL CONTACT YOU IF CUSTOMER REMEDIATION APPLIES TO YOU WE HAVE ALREADY COMMUNICATED WITH MANY OF THE COSTUMERS WHO MAY HAVE BEEN IMPACTED BY THE MATTERS COVERED IN THE SETTLEMENT, AND THOSE EFFORTS ARE ONGOING. '' MY CONCERNS : I AM APPALLED AT THE FALSE ROBO-SIGNING DENIAL ATTESTATION AS STATED ABOVE BY WELLS FARGO. 

I HAVE NOT BEEN CONTACTED WITH REGARD TO ANY CUSTOMER REMEDIATION AND THEIR STATEMENTS IS VAGUE. 

WELLS FARGO DID NOT ANSWER A PREVIOUSLY ASKED QUESTION IN MY PREVIOUS COMPLAINT AS THE WHETHER OR NOT DID WELLS FARGO PROVIDE CUSTOMER REMEDIATION OR FINANCIAL REIMBURSEMENT TO ANY CUSTOMER WHO LITIGATED THEIR CLAIM IN A COURT OF LAW. 

WELLS FARGO STILL JUST REGURGITATE ACCORDING THEM THAT SENSE THE COURT DENIED MY CLAIM THEY ARE NOT RESPONSIBLE FOR " ROBO-SIGNING '' WHICH IS AND STILL IS ILLEGAL. 

ROBO SIGNING WAS ILLEGAL ACCORDING TO LAWSUIT BROUGHT AGAINST BY " CFPB. '' I STILL ELIGIBLE DUE TO WRONGFUL ROBO SIGNED FORECLOSURE DOCUMENTS. 

XXXX XXXX XXXX XXXX FORECLOSURE PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX XXXX XXXX
Product: Mortgage

Mr Cooper had our loan and was reviewing for a streamline modification, we were current prior to covid. They had 30 days to review and said the decision would be made by end of XXXX. We received letter loan was being transfer in XX/XX/XXXX to another mortgage company. 
A call was made to Mr Cooper they said decision would be made prior to transfer because the 30 days would be up. 
The loan was transferred to XXXX servicing. 
They said its no longer XXXX but another investor no such thing as streamline. 
Mr Cooper did not complete our modification and now XXXX XXXX trying to foreclose now.. they did not pickup where mr Cooper left off, this should not be on the customer
Product: Debt collection

I got an noticed in the mail stating I owe money for lights and I haven't had lights in my name for some time now. I was XXXX back in XXXX XXXX XXXX XXXX XXXX and I've told the company this. I don't understand how I can make a call to them I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these companies listed below to pull my credit report. 

XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've disputed with all three agencies about these fraudulent addresses and I'm meet with refusal for addresses I never lived at! I dont receive no corresponding mail at either addresses. If any mail is going to these addresses that's reasons for anyone to cause malicious to me and my creditworthiness. XXXX, XXXX, Equifax, dont have rights to tell me afraudulent addresses can't be removed off my credit report when I never lived there. This is a violation of my consumer rights. 18 U.S.C. 1028A : Aggravated identity theft, 15 U.S.C. 1681e ( b ) : Compliance procedures The following addresses that are reporting from XXXX, XXXX, Equifax are listed below : Address XXXX XXXX XXXX XXXX # XXXX XXXX, UT XXXX XXXX XXXX  XXXX, UT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. These are fraudulent addresses and I don't live at any of these addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau 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 update the following accounts completely from my Credit Reports : XXXX XXXX Balance Owed : {$3900.00}, XXXX XXXX Balance Owed : {$7400.00}, XXXX XXXX Balance Owed : {$4600.00}, XXXX XXXX Balance Owed : {$330.00}, XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

This advertised as a 360 savings account with a 4.35 %, I never received this advertisement and it is now changed to 360 performance saving account without the benefits.
Product: Credit reporting or other personal consumer reports

Experian is reporting several inquiries that do not belong to me. 

Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Experian XXXX Experian
Product: Debt collection

I have hospital debts that are not mine. I remember two instances when I went to the hospital with my mom and I took my brother also for an injury. But I personally never went for myself. I've reached out to the credit bureaus and debt collectors themselves but they haven't responded in 60 days. It pains me to have these incorrect items on my credit report that are causing me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

No investigation was done! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid my monthly car payment to Lexus Financial Services via their app as I have every month - using the same bank account - as I always have. On XX/XX/2021, my credit monitoring services started alerting me to delinquent account from Lexus Financial Services. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, Lexus Financial Services never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. Lexus acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. I have checked incessantly and this error has not been corrected. In fact, a call to Lexus Financial Services indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX  I deposited my check into my savings account and, then now its held from me. I dont know why I literally got this pay from my previous job. They said it was going to be held for 7 days. ITS PAST SEVEN DAYS ALREADY! Chase bank violated the agreement that I signed saying that my deposits may be held up to seven days, its been a week. I got kicked out of my apartment that money was to pay my rent. And Im homeless now because of CHASE BANKS INCONVENIENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical collections company reported a debt incurred by my ex-wife for medical care. I am not liable for the debt, but because my ex-wife supplied the collections company with my prior address and SSN, they reported me to the credit reporting agencies. I was never notified of the underlying collection efforts because the collections company never called me and only used a very old address to attempt to communicate with me by mail. Therefore, only when I saw the {$110.00} attempted collection amount on my credit report in XX/XX/XXXX was I alerted to their collection attempts. I never had the opportunity to dispute the debt before they reported it to collection agencies. 

I disputed the incident with XXXX, XXXX, and Equifax in XX/XX/XXXX. XXXX and Equifax quickly resolved the dispute in my favor and removed the entry from my credit report. Equifax took much longer to conduct an investigation and then its website repeatedly failed over many different days, preventing me from seeing my results. Finally, I called Equifax and received the results of their investigation over the phone. They indicated that because the collection company was able to validate my SSN and address, that Equifax deemed the debt valid. Equifax did not give me the opportunity to explain why the debt was not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is reporting inaccurate, false, and misleading information on a collection account on my XXXX  credit report. A collection agency should not be reporting a collection account 120 days late as the current status. I did not open an account with the collection agency, they purchased the bad debt.

Purchasing a bad debt does not make them the original creditor. Only the original creditor can report me as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.

The collection agency should be limited to reporting information such as : Date the collection account was opened The original amount owed along with the current balance and whether the account has been paid or unpaid No monthly delinquencies should be reported.
Product: Credit card or prepaid card

I got a credit card from XXXX XXXX Comenity bank, a few months ago, have been paying on time for a {$30.00} or {$35.00} dollar purchase, and have been billed with late payments of {$40.00} to {$90.00} in late payments. 
Wrote them a note along with last Payment explaining their mistake, but only to receive latest bill of {$120.00}! 
Also, had a harassment call from them to pay a {$40.00} late fee, which caused me to have kidssymptoms of almost a XXXX XXXX 
Last purchase at store was made with other credit card. 
This is the worst bank and someone should stop them from doing business.Thank You kindly, XXXX
Product: Debt collection

1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and TransUnion credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my TransUnion credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither XXXX  nor TransUnion with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.
Product: Vehicle loan or lease

I ordered my credit report and notice unauthorized auto accounts on my report and need to be removed immediately as I have not written consent to/or have knowledge of this account of ally finicial As well as an unauthorized address as fcra states anything thats unlawfully guaranteed needs to be removed.
Product: Checking or savings account

In XXXX I was contacted via email that my Capital One bank account was under investigation and the funds in my account were currently frozen and not accessible. I was told no other details on what transactions sparked suspicion. I was never given any further contact on when to expect an update or access to my money. I have contacted Capital One multiple times via their customer service hotline, and the account investigation department who have all given me different answers. I was told that the account was frozen due to a transaction that had my new legal name. I did go through a legal name change at the end of XXXX and was awaiting my new Social Security card in order to update my name on my bank account. I was happy to provide the updated documentation to proceed with changing my name on my bank account. Today I contacted customer service and was told that the investigation has been completed in my account is now closed permanently. The representative refused to give me any further details and stated that she was not able to tell me what transactions caused this to happen and she could not tell me when I would expect to receive a check for my funds.
Product: Credit reporting or other personal consumer reports

There was a fraudulent XXXX XXXX account opened in my name. Creditors were double pulling from multiple accounts unbeknownst to me. Ford Motor credit, I paid {$23000.00} ona {$16000.00} loan in just over a year. XXXX XXXX XXXX I paid {$32000.00} on a {$26000.00} loan in 13 months. When I requested ACH authorizations with my signature, they sent me docusign emails that when opened automatically signed themselves with no option to decline, and were predated. 
XXXX  XXXX XXXX did not report XXXX separate payments that were for {$8000.00}, one went to interest.
Product: Credit card or prepaid card

A Fortiva credit card was opened under my name at a XXXXXXXX XXXX  XXXX XXXX  XXXX  in XXXX, Michigan, on XX/XX/2021. They charged {$5000.00} on the card and now have a past due balance of {$1000.00}. I have notified Fortiva and they are working with me to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX EQFX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.
Product: Student loan

On XX/XX/28 I wrote to Mohela why the money wasn't pulled out from my checking. They sent me the generic paper which states it can take up to three days. If I make the payment myself then Mohela will still take out the original auto payment. Which will be my entire paycheck and will bounce everything. So I waited and kept looking for the payment to be withdrawn Now today XXXX my account says no pending payment and now says past due. I did NOT and have not received any correspondence from them about what is going on. Do I pay it manually or are they going to take the money. My first message I did say I am NOT paying late fees. I just wrote to them. Like I told them, I have enough stress in my life and adding this is upsetting and ridiculous. I just need to know what is the issue with the XXXX payment and NOT send me a generic letter.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX,
Product: Money transfer, virtual currency, or money service

There was two attempts on two prior purchases that were denied and then out of nowhere these other two purchases come through and they were approved so I disputed them said it wasnt me ai have know knowledge of it. I didnt do it and theyre playing games cant get an answer out of him whats going on my dispute its been forever I told him I said look used to nine today prior purchases before this one I was your proof this one two of them ones for XXXX yellow ones for {$10.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. under 15 usc 1682 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

Portfolio Recovery Associates account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Portfolio Recovery Associates account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of XXXX XXXX  as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Prepaid card

I have been disputing a gift card that doesn't work since XX/XX/XXXX, and InComm has not resolved my case yet. I called them at minimum 5 times about the dispute and have emailed more than 5 times and have provided documentation 3 times. Their reps told me to keep waiting and in some instances were rude and insulting to me. All requested information has been provided, and they continue to ask for the same information again. They refuse to give me an address to contact them by mail. This is my good faith attempt to resolve this. 

XXXX XX/XX/XXXX - Gift card purchased from XXXX in the amount of {$500.00} XX/XX/XXXX - I tried to use the gift card, it would not work. I called Vanilla customer service, they said they flagged my card as fraud because I may have tried to use it without activating it first. They requested personal information from me and provided an email to send documentation. 
XX/XX/XXXX - I sent verification of my address, copy of my ID, and copy of original purchase receipt via email. They said it would be resolved within 30 days. 
XX/XX/XXXX - InComm requested me to provide my case number. 
XX/XX/XXXX - I replied and provided my case #. Automatic email received confirming they received my email. 
XX/XX/XXXX - I emailed InComm asking for an update, no reply. 
XX/XX/XXXX - I emailed InComm asking for an update, no reply. 
XX/XX/XXXX - I called the XXXX XXXX  asking for an update, that it has been over 30 days. The repeatedly said it takes 30 days, then they said 30 days from from confirming my documents. Waited the 30 days from XX/XX/XXXX, called back, and they still said the same thing. Would not provide further help or information. They said call back if I don't receive a replacement gift card within a week. 
XX/XX/XXXX - Received email from InComm asking for receipt ( XXXX time ) and photos of the gift card. 
XX/XX/XXXX - Emailed requested documents. Received automatic reply email. 
XX/XX/XXXX - Received email asking for a copy of the receipt AGAIN ( 3rd time ).

According to 15 U.S. Code 1693l1 ( b ) ( 1 ), It shall be unlawful for any person to impose a dormancy fee, an inactivity charge or fee, or a service fee with respect to a gift certificate, store gift card, or general-use prepaid card. 

The definition of service fee is A periodic fee, charge, or penalty for holding or use of a gift certificate, store gift card, or general-use prepaid card. 

I was unlawfully penalized for trying to use my general-use prepaid card. The penalty of all funds remaining on hold and inaccessible is a service fee under 15 U.S. Code 1693l1 ( b ) ( 1 ) that Incomm Holdings Inc. neither provided notice clearly and conspicuously for nor did they inform the purchaser before the general-use prepaid card was purchased.

Under 15 U.S. Code 1693m, Incomm Holdings Inc. is liable for failure to comply with any provision of this subchapter with respect to any consumer. I have suffered mental and emotional distress as well as humiliation in an attempt to recover the funds Incomm Holdings Inc. has unlawfully kept and refused to resolve even after my compliance with each of their requests.
Product: Debt collection

In 2023 i see this account in my credit COMENITYCB/IDDEAL, i had never see about this account, and they can not sent my any information