23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

With College expenses and sick children and job loss, our original loan was with XXXX XXXX pic a payment. So we were able to request a Loan Modification.in XX/XX/XXXXOur payments were XXXX a month and the 2nd Mortgage, we did a loan modification with.. Wells Fargo , and they agreed to a loan Modification : of XXXX a month so things were manageable. When Wells Fargo took over, XXXX XXXX, pic a payment,, ( XX/XX/XXXX ) they started every few months increasing the loan modification amount ... XXXX here and there ... ..both on the 1st and second mortgage. Now ... .our 1st Mortgage is XXXX and the second is XXXX a month ... .and we can not afford paying this. They also sent letters saying because of assessment changes escrow, we also had to pay more money on some years..XXXX, and added that to our mortgage payment making it even more expensive ... .each month : XXXX. I called several times, and told them we had job loss, sick kids, college expenses, and asked them twice to do a loan modification and we filled out all of the paperwork for loan modification, and all the paperwork they sent to fill out which we did, was filled with forclusure options ... ..so upsetting .... with Wells Fargo and twice we were rejected. We continued to struggle, each month. 
I contacted them many times and faxed letters, asking to forgive the late fees, of XXXX per month if the payment is not made on the XXXX of each month. So far we have made payments every month but it usually is paid after the XXXX of the month, so we owe at least XXXX or more in late fees. They said, they will not refund. I told them the original loan modification amount is what we agreed to and that they are not supposed to increase our mortgage montly payment from XXXX to XXXX for the first and the 2nd, XXXX to XXXX .. ... they did anyway, knowing we could not afford it. I told them I talked with a Non Profit ... .loan modification company, they said, Wells Fargo legally should not be allowed to increase our Mortgage payment from the original XXXX on 1st mortg. and XXXX for 2nd Mortg. Please help.
Product: Mortgage

XX/XX/2019 XX/XX/2019 XX/XX/2019 Had An insurance claim during the hurricanes, Had everything repaired and within the time needed 90 days. M and T bank and insurance company had communication issues which caused a 2 month delay of transfer at no time. M and T had been taking Penalties From my escrow and charging me on my bill. Theft!
Product: Debt collection

This couple has been reporting on my account for years I have tried a number of times to get this item removed I let them know I was a victim of fraud/if therft. There is over XXXX account with different retAil stores that have me associated with. They removed value city but there are other that are harming me. I recently had my paycheck garnished by a law agency they hired.
Product: Debt collection

noticed a new account on my credit report that is not mine. I have reached out to the collection agency and received no assistance.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE BANKRUPTCY FCRA VIOLATIONS To Whom It May Concern, I am writing to formally dispute the bankruptcy reporting on my TransUnion credit report. I have never filed for bankruptcy, and the U.S. Bankruptcy Court in Los Angeles has confirmed this. This inaccurate reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and must be removed immediately.

Details of the Disputed Bankruptcy Bankruptcy Court : U.S. Bankruptcy Court, Los Angeles County Filed Under : XXXX XXXX ( Incorrectly Assigned ) Case Number : XXXX Supporting Evidence Included A written confirmation from the U.S. Bankruptcy Court Clerk, Aarron, confirming that I have never filed for bankruptcy. 

Copies of my XXXX and XXXX credit reports, which do NOT show any bankruptcy. 

FCRA VIOLATIONS BY TRANSUNION 1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy TransUnion has a legal duty to ensure all reported information is accurate. Reporting a bankruptcy that does not belong to me is a direct violation.

2. FCRA 1681i ( a ) ( 1 ) ( A ) Inclusion of False Information The U.S. Bankruptcy Court does not report to credit bureaus. TransUnion is reporting incorrect information obtained from a third-party source, violating federal law. 

3. FCRA 1681i ( a ) ( 5 ) Failure to Properly Reinvestigate If TransUnion previously " verified '' this bankruptcy, it failed to conduct a proper reinvestigation, making the reporting unlawful.

4. FCRA 1681g ( a ) ( 2 ) Failure to Disclose Source of Information I am demanding that TransUnion provide the exact source of this bankruptcy record. If it can not be verified with official court documentation, it must be deleted immediately.

5. FCRA 1681c ( a ) ( 1 ) Mixed File Error The U.S. Bankruptcy Court confirmed that multiple individuals with the name " XXXX XXXX '' have filed for bankruptcy. This is a clear mixed file violation, and the inaccurate bankruptcy must be deleted immediately. 

DEMAND FOR IMMEDIATE ACTION XXXX. I am formally demanding that TransUnion : XXXX. Immediately delete the inaccurate bankruptcy from my credit report. 

XXXX. Provide written confirmation that this bankruptcy has been permanently removed. 

Disclose the exact source of this incorrect information. 

Failure to comply within 30 days will result in formal complaints to the CFPB, FTC, and California Attorney General for willful FCRA violations. Additionally, I reserve the right to pursue legal action for damages under FCRA 1681n, which allows for statutory damages of up to {$1000.00} per violation, plus attorney fees. 

This is my final notice. If TransUnion can not provide court-verified proof of this bankruptcy, it must be removed immediately. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

XXXX XXXX : XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Mortgage

The date it all started was XX/XX/2017. Amount in question is {$13000.00}. It all started when Specialized Loan Servicing LLC ( SLS ), volunteered and paid {$13.00}, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, in a disputed matter I had with them. Afterwards SLS placed the amount into my escrow account and increased my mortgage to {$1300.00} from the {$330.00} per month, I have a modification through the Home Affordable Modification Program ( HAMP ). I have tried to work it out with them, but have reached the end with them starting foreclosure. I never signed any loan agreement for the amount in dispute. I have not missed a mortgage payment in over 13 years prior to this matter happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over XXXX  years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over XXXX different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. 
I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of XXXX  and changing my life this is a step back for me especially because this isn't my debt. Please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My financed vehicle was involved in a total loss settlement that resulted in the loan balance being paid in full. Due to the delay in closing the claim, I continued to pay the monthly payments as scheduled, for the periods of XX/XX/XXXX and XX/XX/XXXX. As the insurance company payment was retroactively applied, the finance company refunded me the balance of those payments that I made in the interim. 

In processing the adjustment to my account, the XXXX rescinded those legitimate payments and erroneously notified the Experian credit reporting agency that I was delinquent for the period of XX/XX/XXXX and XX/XX/XXXX. This has resulted in an erroneous 60 day delinquency to be associated with my credit profile. 

I would request that this erroneous notification be immediately removed and that XXXX be assessed an appropriate penalty.
Product: Debt collection

XXXX XXXX, I retained XXXX XXXX XXXX XXXX  ) ( XXXX XXXX  from XXXX NC XXXX ( XXXX XXXX XXXX ) to move me from two XXXX ' XXXX XXXX units, XXXX, NC to my new residence XXXX XXXX XXXX, XXXX, NC XXXX I paid in full on site with my Wells Fargo VISA card ( WFVisa ) # XXXX WFVisa posted charge of {$1600.00} on XX/XX/XXXX on my account XXXX. I paid total card charges for that period. 
Later, XX/XX/XXXX, I received my Wells Fargo VISA statement with four ( 4 ) consecutive postings from XXXX XXXX ( XXXX NC ) on XX/XX/XXXX. I immediately called WFVISA & cancelled card, started fraud investigation with WF Visa and receive new WFVisa card account number. I called the XXXX contact phone numbers and both sites were non-working numbers. I contacted the NC BXXXX XXXX XXXX  & they disclosed XXXX was not an approved mover for NC State & with more information would file a claim against XXXX with the NC XXXX XXXX. WFVisa Claim # XXXX for the 4 postings are XXXX ; XXXX ; XXXX and XXXX totaling {$13000.00} in charges. WFVisa staff have been less then supporting with investigating the claims. Each WFVisa review states : merchant XXXX provided documentation to support services for XX/XX/XXXX postings. XXXX XXXX XXXX, XXXX XXXX Sheriff 's Department has accepted my claim & started an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX, XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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 U.S.C.1681. Wakefield and Associates : account # XXXX...... Wakefield and Associates account # XXXX... ..has Violated my Rights. 15 U.S.C. 1681 section 602-A states that I have the right to privacy. 15 U.S.C. 1681 section 604-A, section -2 also states : that a Consumer Reporting Agency can not furnish an account without my written instructions. 15 U.S.C. 1681-C ( a ) ( 5 ) section also states : no Consumer Reporting Agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than record 's of conviction of crime 's which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Student loan

I am currently on a graduated repayment program for my Sallie Mae student loans. I usually pay around {$190.00} per month, however, I'm a little behind and currently owe {$380.00} for last month 's payment and this month 's. 

I have reached out to Sallie Mae a few times between XX/XX/XXXX and XX/XX/XXXX. Aside from reaching out to them myself, they have been calling me non-stop to get my account " current. '' Each representative I speak with basically threatens me by saying if I don't make the payment by a certain dateXXXX XXXXstthey 'll report me to the credit bureau AND drop me from the graduated repayment program. 

Aside from being threatened, here are my issues : 1. I have been financially affected by the pandemic, and Sallie Mae advertises VERY CLEARLY that their borrowers are their first priority and that they will help in any way that they can. When I called MULTIPLE TIMES for said help, the representatives told me that I have no other options. Not one person I have spoken to has put me through to someone who maybe can help or even knew what to do other than reading off their script. 

2. I'm on the graduated payment program for a reason. It's because I couldn't afford to make payments upwards of {$700.00} per month. At this point, I'd like to add that no one would help me during that time either and in order to get onto the graduated payment program, I basically had to stop making payments so the company would get scared and put me through to a resolution specialist. So, if I can barely afford to make my payment of {$190.00} right now, how am I supposed to afford $ XXXX per month if they kick me off the program? What am I supposed to do then? 

I have filed a complaint directly with Sallie Mae, but surprise, surprise, they haven't gotten back to me. I am absolutely disgusted with the way I'm being treated and with their XXXX XXXX representatives calling me to demand money and threaten my good name if I don't pay. These are unprecedented times, and my account has been in good standing for the past year and a half. It's not as if I'm just withholding moneyI 'm barely keeping up with rent and the other bills I have to pay! It's ridiculous that Sallie Mae 's only concern is driving their borrowers into the ground with debt and predatory interest rates with no life raft during times like these. 

I did my part by contacting Sallie Mae to find out what my other options are. All I needed was a little breathing room to catch up on my payments which is more than possible within the next week or two, but they don't seem to care. Pre-pandemic I was becoming more and more financially stable, and now I'm lucky if I can afford the gas for my car or groceries. What Sallie Mae is doing is criminal and someone needs to put an end to it.
Product: Money transfer, virtual currency, or money service

I went online on a website XXXX XXXX XXXX XXXX XXXX. I received a text from a contact form I filled out. We talked by text, and then by phone. We agreed on sell of a kitten. {$550.00} on XX/XX/2022. I used XXXX through my bank, Capital One. The money was transferred. I set up a time to pick up the kitten and went to pick up the kitten. The person did not show and stopped responding to texts or calls. This individual tried to scam me again by asking to ship the animal for another amount before they stopped responding at all. I contacted my bank immediately. Reported the incident as fraud, gave all the texts and information about the transaction. Capital One, which is XXXX of the XXXX large banks that own XXXX XXXX XXXX which owns XXXX. Capital One is trying to deny refunding my bank account for the {$550.00} by saying it wasn't a fraudulent charge since I was the one who made the transaction. This is not what was questioned to begin with. This transaction, and however many more this person has been allowed to make through XXXX with other people, are scams. They are taking people 's money and the banks are doing nothing about it. And, then the banks refuse to refund the money. I want Capital One to return my {$550.00} that was sent, and I want Capital One and the other banks to start investigating and tracing down the people they are allowing to scam people through their banking systems.
Product: Credit reporting or other personal consumer reports

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

LEGAL NOTICE NOTICE OF CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES AND REQUESTING INFORMATION AND INTENT TO SUE XX/XX/XXXX AFFIANT : XXXX XXXX XXXX. XXXX DEFENDANT : BMW Financial Services NA , LLC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX number : XXXX CO-DEFENDANT : XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX GO AFTER BMW Financial Services NA , LLC XXXX BONDS TO SUE UNAUTHORIZED BONDS XXXX XXXX CONTRACTS, DOUBLE RECOVERY, INSURANCE FRAUD, SECURITIES FRAUD, FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS, CHAIN OF ASSIGNMENT USC 1666B BILLING ERROR ALSO SEND THE BONDS INFORMATION AND THE HIGHEST BIDDER ACCOUNTS, RECEIVABLE ACCOUNTS PAYABLE ( AR ) ( AP ) FULL DISCLOSURE PRINCIPLE, REVENUE RECOGNITION PRINCIPLE, INVESTORS DOCUMENTS ACCOUNT # XXXX DEAR DEFENDANT : BMW Financial Services NA , LLC IVE RECENTLY REVIEWED MY XXXX XXXX XXXX XXXX CONSUMER REPORTS IVE NOTICE THAT YOU HAVE AND XXXX XXXX ] FINANCING TRUST/BOND ACCOUNT/REMARK AS A CHARGE OFF WRITTEN OFF or PROFIT LOSS FOR ACCOUNT # XXXX AFTER FURTHER CONVERSATION WITH MY IRS AGENT / AGENCY IN WASHINGTON DC FEDERAL FINANCE DIVISION/US TREASURY. I WAS ADVISE THAT I REQUEST A COPY OF THE 1099 C & BILLING ERROR OF BEING LATE FROM BMW FINANCIAL SERVICES NA LLC. SO, I AM REQUESTING A COPY OF 1099 C THAT YOU SENT TO MY PERSON ACCT : XXXX XXXX XXXX. MATCHING THE SAME DATE THAT YOU GAVE MY PRIVATE PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT Also please send CERTIFIED RETURN RECEIPT WITH MY XXXX XXXX XXXX THAT IVE RECEIVED IT. [ IRS FORM 211 WHISTLE BLOWER AWARD ]. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. IF YOU CANT FURNISHED THE ABOVE REQUESTED INFORMATION DELETE THIS ACCOUNT IMMEDIATELY. SINCERELY, AFFIANT : XXXX XXXX XXXX  XXXX XXXX, XXXX far from being dead CESTUI QUE VIE ACT 1666 Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1-308 ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES INC PER HJR -192 1933 USC 6802 XXXX  XXXX XXXX XXXX  If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more. USC 1681a FRAUD SUIT 18 USC 1028A
Product: Credit reporting

Unable to find a way to file this type of complaint through the dispute system for Experian. My credit score dropped from XXXX two weeks ago to XXXX this week. There is no reason documented in my credit report why it should have dropped, all XXXX of my credit accounts are in good standing and never late. i have been paying XXXX accounts to XXXX every month. There are no major inquiries into my credit. There are XXXX old old negative accounts due to a real-estate short sale in 2010 but they have been accounted for all this time. there is no indication as to why is would have dropped. They keep mentioning that missed payments are the biggest reason for drops in a credit score, but i see no account or know of any account where I have missed a payment or was late on a payment. I would like to have a reason or have my credit score restored to the XXXX that it was before. Thank you. -XXXX XXXX XXXX