23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article XXXX highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in XXXX XXXX. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article XXXX and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article XXXX of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated. 
XXXX XXXX
Product: Student loan

My student loans were discharged in XXXX of 2023 Due to being a XXXX percent permanently and totally XXXX XXXX 

In XXXX I contacted XXXX and they told me I didn't need to do anything and I would get a refund of the negative balance on my account Within 5 to 7 business days direct deposit. I gave it XXXX weeks there was no deposit I called my hella back they told me the refund request had been canceled due to the operator not putting in the memo what the refund was for. I resubmitted a second refund request and asked for a confirmation number I was told that XXXX  does not provide confirmation numbers. I waited about 2 more weeks and then I called XXXX again this time I recorded the phone conversation inform them I was recording the phone conversation and explained the situation. After informing the Mohela agent that a lawyer told me they had to give me a confirmation number I was able to get a confirmation number and was told my check would be direct deposited on XX/XX/XXXX of 2023. Yet again the day came and passed and no deposit and I called him back. Finally after getting to speak to a supervisor I was told that my refund had just been submitted to the XXXX Treasury on XX/XX/XXXX and it was out of their hands now. 

Each time I was on hold for over 2 hours there are many times that I was on hold for almost 3 hours and then hung up on. 
They will not call you back and they refuse to give you any information that is accurate. I explained to multiple agents that they are giving everybody the runaround to delay issuing refunds. 

Each customer service representative will tell you something different they lie mislead and give false information in hopes of delaying the refund process.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I opened a credit card account with BB & T Bank. 

I began using my card and making timely payments. On or about XX/XX/XXXX I attempted to use my card and the charge was declined. I called BB & T and was told that they did not know why my card was declined and to try again. I attempted to use the card the next day, again declined. 

I called BB & T and was told that I needed to speak to someone in a specific department ( they would not tell me the name of the department ) and that the person was out and would call me back. 

I never received a call back. I proceeded to call BB & T several times seeking information over the next few days, finally I was told by someone that " we are closing your account, you will receive a letter in the mail. '' On or about XX/XX/XXXX I received a letter in the mail from BB & T stating they were closing my account and reason given was " no longer maintaining relationship with this customer. '' I had a balance with BB & T when this happened, of approximately {$1000.00}. I had autopay setup and the balance was subject to a promo rate of 0 % APR. I called and asked BB & T If I needed to pay the balance in full or if I could just let the autopay run its course. I was told that while I could not make any new charges, I would still have access to my online account and could let the autopay run or make additional payments. 

On XX/XX/XXXX, I noticed that on my XXXX  credit file, the account has been listed as " charged off '' causing my credit score to tank. My last autopay on the account was on XX/XX/XXXX. I called BB & T to inquire what had happened, and was simply told " you should dispute it. ''
Product: Credit reporting

Dear Sir / Madam, I want to view my annual credit report and since I moved to XXXX, website is not allowing to view / download my credit report. Getting message that " this option not allowable in your country '' and instructed to approach you. Request you to let me know how can I get the report. Also let me know how can I reach you or you will be reaching me to get my contact & other details. ( Mentioned above not to share contact info and other details in this area ). Looking forward your response at the earliest. 

Thanks in advance, Thanks & Regards, XXXX XXXX ( XXXX ) XXXX.
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 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 an 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 XXXX 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

I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from My Credit report for myself XXXX XXXX last XXXX of social security number is XXXX, XXXX XX/XX/XXXX. PLEASE DELETE THE FOLLOWING XXXX. XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX  XX/XX/XXXX {$34000.00} XXXX XX/XX/XXXX {$140.00} XX/XX/XXXXXX/XX/XXXX {$1400.00} XXXX XXXX  XX/XX/XXXX {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance
Product: Mortgage

This what I emailed mortgage company. 

I have reached out to village capital numerous times and I have not yet since XX/XX/XXXX got a response or correction on my mortgage. I have made my payments every month and Never been late! I always pay at the end of each month so it would apply to the next month payment by XXXX and somehow you have me as missing payments and accessing late fees to my loan. This all came about after my buy down fell off in XXXX. My payments were {$1600.00} at the start of my loan in XX/XX/XXXX with buydown. Then, you said I was short in my XXXX escrow analysis by {$380.00} so you said you had to add {$31.00} to my payments starting XX/XX/XXXX until XX/XX/XXXX. But you added {$96.00} the difference amount and that brought my payment up to {$1700.00}. Now, when the buydown fell off, my payment went to {$1800.00} because {$140.00} was added back because buydown drop off. OK the problem came when in XXXX you added {$140.00} back again on to my now {$1800.00} payment making look like a {$140.00} was credit again so it showed {$2000.00} in payments from XXXX XXXX. I brought that to your attention and now it's showing misapplication reversal on my payments all the back from XXXX and it's saying I'm late now from XX/XX/XXXX when I'm not late at all. You added a {$55.00} late charge assessment and would you please go back manually look at the payments you will see I payed at the end of every month so it would be applied to first of following month. Please, correct your mistakes and remove {$55.00} late charge. If this has been reported recently to credit bureau please update that also that I'm up to date. I also have bank statements that shows I made all my payments on time, every month, and before due date. It has been almost 30 days since I first reached out about this problem and I hope this is corrected in a timely manner. 
Show quoted text
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB nave brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

4. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

5. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

6. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Mortgage

IN 2015 escrow analysis the servicer ignored the prelim and actual tax assessment from the township creating large underpayment to escrow. Upon the next year escrow analysis the escrow payment is drastically increased per month due to previous years underpayment. I erroneously made the same payment I was making but within two days made up the difference. The differential payment was made well ahead of the grace period. I continued to get late notices since then because the partial payment was applied to principal and not my monthly payment so my principal has been paid down but I am now considered to be behind by a month. Fortunately I was in a position to withstand this dramatic monthly increase in my payment but even I will be adversely affected if I need to make an extra full mortgagee payment to correct their numerous errors. I brought this to their attention but they responded by ignoring the discussion on the phone where they agreed there was an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX to XXXX, XXXX. TRANSUNION is not providing any proof to uphold a company on my credit report whom I have no business or contract with.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX  Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXXXXXX XXXX Date XXXX XXXX XXXX XXXX Date : XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

Account name XXXX  XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts, which have been incorrectly attributed to me and are not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened or reported without my authorization and do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request an investigation. 

I kindly request that Equifax investigate these accounts and remove them from my credit report. Thank you for addressing this matter promptly. If you require additional documentation or information, please contact me directly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX. XXXX XXXX XXXX OPEN BALANCE {$160.00} COLLECTION ACCOUNT XXXX XXXX XXXX  OPEN BALANCE {$170.00} COLLECTION ACCOUNT XXXX. XXXX XXXXXXXX XXXX  OPEN BALANCE {$340.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX  OPEN BALANCE {$560.00} COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX OPEN BALANCE {$990.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX  OPEN BALANCE {$3100.00} COLLECTION ACCOUNT XXXX. XXXXXXXX XXXX CLOSED ACCOUNT {$520.00} REPORTED BALANCE XXXXXXXX XXXX LOSED ACCOUNT {$61.00} REPORTED BALANCE
Product: Mortgage

I have an urgent problem with the servicing of the mortgage on my property in California. ( I am living in XXXX, XXXX XXXX. ) Green Tree, which was awarded the servicing of my mortgage a few years ago, seems to have merged with a different company. I have not received a statement in 3 months. I have received no notification of the situation and no information about where my mortgage is held now. There is no online contact information for either company. 

I have continued to send my mortgage payment to the Green Tree account, so as not to trigger default problems. Payments are continuing to be received but there is no acknowledgement. Without any information about where the mortgage and who is servicing it, this now seems extremely foolhardy. 

I need : A letter from the company which is now responsible for my loan. 
Account number, address, phone number, and working Internet URL. 
I need a report confirming payments received in year 2015 and full electronic access to my account ( URL which works in XXXX XXXX. 

NOTE : Green Tree was never able/willing to give me access to my account online. 
After I complained to CFPB about not having access to my data, company was ordered, and agreed, to send me monthly statements, showing the current principal and last payment. That arrangement worked until three months ago. If notifications were posted on the Green Tree site, I obviously had no access to them. 

The new mortgage company needs to be aware of this IT problem at Green Tree, which cut off all electronic information outside the XXXX. 

I need this ASAP. I can not continue sending money to a nonexistent company which does not have an Internet presence with a phone number. 

Attached : scan of the last statement I got from the Green Tree mortgage company. 
My account number and address information are there. 

Thank you so much for your assistance. 

XXXX XXXX XXXXXXXXXXXX DETAILS According to this source XXXX Green Tree does not exist anymore. Its listing Green Tree Servicing XXXX XXXX XXXX XXXX Mortgage Services https : //www.greentreeservicing.com/ brings brings blank on XXXX search. ( That 's in XXXX XXXX. 

By searching complaint groups ' sites, I have found that the presumed successor company is Ditech, but their site is also unavailable : https : //www.ditech.com/ " This webpage is not available ''
Product: Credit reporting or other personal consumer reports

I.C. System Inc has used my consumer report improperly by reporting information involving medical transactions with XXXX XXXX Which is a violation of XXXX act. I.C.Sydtems Inc does not and never has had expressed or implied consent from the consumer to report non public personal information without any valid court order or direct consent from the consumer which is also a violation of FDCPA 15 usc 1692. I. C SYSTEMS Inc does not have any written contract stating that XXXX XXXX owes I.C.Systems Inc anything. I.C. SYSTEMS INC does not have any contract with any signature on it with I.C.Systems Inc which is a violation of 18 usc 894 conspiring against me in coercion to pay a debt that is not owed. I.C. Systems Inc is in violation of trafficking of persons per 18 usc XXXX  XXXX. I.C. Systems Inc. Is in violation of 15 usc 1692 for violating the permissible purpose of a credit report.
Product: Vehicle loan or lease

** This is not a duplicate complaint** Westlake Financials Services received a affidavit of truth and a cease and desist letter on XX/XX/2023 Westlake financial services violated 12 CFR 1026.4 ( B ) ( 8 ) which talks about premiums for insurance against loss or damaged property. The GAP insurance on the retail installment contract is not included in the finance charge. Westlake Financial Services violated 16 CFR 433.1 ( f ) which mentions what a " contract '' is and that is between the seller and the creditor. The retail installment contract that is linked to account number XXXX is not supposed to have our names on it therefore there should be no obligation to pay since XXXX XXXX XXXX was already paid on this contract. Westlake Financial Services violated 12 USC 83 which states no association shall make any loan on its own stock. Westlake Financial Services violated Texas title 4 subtitle A chapter 302 ( b ) which states the maximum amount interest that can be charged is 10 %. Any rate above 10 % in the state of Texas is considered usurious. On account XXXX we are contracted for 11.99 %. We were not made aware of our rights.
Product: Debt collection

I went in to have some tests run at XXXX XXXX and they were given a list of tests to run by my surgeon for a XXXX clearance. They ran all of them but one test was the wrong type of test that I had already paid for. So they told me to come back in the next day at no charge to me since it was their mistake and get the correct test. Then XXXX XXXX started sending me bills. I called XXXX XXXX and they assured me I did not owe for this as it was THEIR mistake and they would notify XXXX XXXX as well. Now the account is in collections and damaging my credit when I NEVER owed it to begin with! This needs to be removed immediately!