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

To Whom It May Concern, I am writing to formally dispute the results of an investigation conducted by your agency concerning inaccurate information on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit information and to conduct a thorough and reasonable investigation when a dispute is submitted. However, your agency has failed to fulfill these obligations. 

On XX/XX/year>, I submitted a formal dispute regarding specific inaccurate information, e.g., a fraudulent account, incorrect balance, or late payment. However, your agency failed to properly investigate the matter, as evidenced due to lack of documentation actually reviewing the report Under 15 U.S.C. 1681i of the FCRA, you are legally required to : Conduct a reasonable reinvestigation of disputed information. 

Provide me with a summary of the investigation and its findings. 

Correct or delete inaccurate or unverifiable information. 

Due to your agencys continued failure to report accurate information and conduct a thorough investigation, Experian is now facing legal action for violating FCRA laws. If the disputed information is not corrected or removed immediately, I will proceed with further legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential litigation. 

Please respond in writing within the legally required XXXX period, confirming that a proper reinvestigation has been initiated or that the disputed information has been corrected or removed. If you require additional information from me to facilitate the reinvestigation, please notify me promptly. 

I appreciate your immediate attention to this matter and expect full compliance with federal law. Please send your response to the address listed above. 

These account are in accurate and i want them deleted due to in accurate reporting XXXX XXXX XXXX XXXX showing charged off twice and i sent cease and desist and they are still communicating with me XXXX XXXX XXXX XXXX XXXX this account is showing that it was charged off XXXX times XXXX XXXX XXXX, XXXX
Product: Student loan

A request was made to ED financial to refund the amounts paid during the COVID pandemic on XX/XX/2022. 

I have yet to receive a refund, nor have I even received a time frame for expected refund. 
It has never taken any company that Ive dealt with, more than 4 weeks to process a refund. 

This appears to be common complaint online regarding ED financial services- Mishandling of refund requests, delay in refund submission request, delay in processing refunds.
Product: Mortgage

Good afternoon. 

I'm filing this complaint with the hopes that you'll be able to step in and unwind the horrible situation that has been created by XXXX XXXX XXXX, XXXX regarding the sale of my home. 

I've been in active foreclosure for a bit - due to XXXX  and my divorce- and instead of modifying my loan prior to transferring it for service to Selene Finance, XXXX XXXX sold it 'as is. ' Subsequently, I've received letters from Selene offering assistance, but received none. 

Moving forward, I was notified of an initial sale date on my home, for XX/XX/XXXX XXXX letter from XXXX XXXX XXXX, XXXX, informing me that the sale had been postponed to XX/XX/XXXX. These attorneys are representing the BUYER/TRUSTEE and not Selene Finance . 

I've also had multiple conversations with Selene over the past couple of days and they have only ONE recorded contact by XXXX XXXX XXXX - a call made on XX/XX/XXXX, requesting a Reinstatement Amount. I was in conversation with them ( XXXX ) and expressed my ability to fully reinstate my loan, covering all past due payments, late fees, penalties, etc totaling {$83000.00}. 

But, in a follow-up conversations with XXXX XXXX XXXX XXXX, she was extremely combative and dismissive when I told her that I'd have funds available by way of my XXXX. She shut all my efforts down, claiming that the funds wouldn't be available in time to stop the sale. I could've very easily gotten a letter from my XXXX trustee guaranteeing the funds, but XXXX XXXX blocked all communication and my home, unfortunately, went to sale on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the sale has NOT yet been certified and I'm requesting intervention on your behalf to allow us the opportunity to reinstate my mortgage with Selene. I had a conversation with them this morning ( XX/XX/XXXX ) and they assured me they would escalate this file upon my submitting a written explanation and both the complaints with the CFPB and the Missouri Division of Finance. I'm available to speak with you anytime on this matter! 

Thank you so much in advance and wishing you and enjoyable rest of your day, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just checked my credit report, and I don't understand why this collection is showing on my XXXX and Experian credit reports because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. I also have the right to privacy, and these Credit Reporting Agencies and this company are violating it by putting this inaccurate account on my credit reports. Delete this inaccurate collection account and mail me a corrected copy of my credit reports. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX ending in XXXX that the date of first delinquency was XX/XX/XXXX, this account should therefore have been removed off my credit report on XX/XX/XXXX. Equifax has not done day stating " the info is correct '' however i have supplied documents ( attached in this complaint ) to Equifax showing payment history and a loan analysis sheet indicating the dates of delinquency on the loan and corroborating my statement above. I obtained these documents DIRECTLY from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.
Product: Debt collection

After closely analyzing my most recent credit report, I identified various accounts that appear to be incorrect and were added without my permission.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, where Experian has either corrected nor removed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XXXX XXXX 2024, I attempted to transfer {$50.00} from my Marcus by Goldman Sachs XXXX. I was told on the app and on the browser that they were unable to make the transfer and that I had to call them. 

I made the call and verified my identity with the first rep ( XXXX XXXX XXXX XXXX XXXX  ) and was security department for further verification. The security rep told me that he would make an outbound call to my number to verify. He did not call me. 

I called back into the line, verified my identity again and was sent to another security rep who told me that she was not only unable to verify me with my number on file but that there is no other way for them to verify my identity and that my only course of action was to wait XXXX business days to call back and try again. 

They have refused to tell me why my initial transfer was blocked, why my number and account information was not sufficient for verification, and next steps to resolve the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX the information provided in calculation using XXXX XXXX software is incorrect. The customer 's first name bracket is [ XXXX XXXX ] and the last name bracket is [ XXXX ]. The customer possesses a full charged green battery full name issued by department of state, and the calculated score displayed is from a error red battery account name without a name bracket or state that was partially charged by customer from XXXX to XXXX. 
Customer is an armed civillian to result in human error by state clear star staff and customer 's name bracket is provided to supply a correction to false information file. A foreign militant adjusted titled name of application.
Product: Student loan

I had to call national credit services in XXXX, wa so i could talk to them about the student loan. i told them i think that it might not be mine because i went to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, not XX/XX/XXXX. i asked to be able to look at the documents so i could see because i remembered seeing the discrepancy years ago. they wouldn't tell me anything about it. they just said that since it was consolotated that they didn ; t have any information on the original. documents. it wan ; t until after they made the payment that they told me that the bill was incurred in XX/XX/XXXX. but they wouldn't tell me anything else and wouldn't email me the information. 
i just want to seee the documents and i want to cal the consolodation company and find out what they have. and i want to make sur e that it was me, so i'm not paying for someone else 's education. 
if it's mine, i'll be fine with it, but i want to make sure. and i was denied that right. 
i feel that i was treated like a subhuman and preyed upon. 
i want justice, i should be able to see the information on the bills that i am paying.
Product: Mortgage

I sold a rental property and closed XX/XX/XXXX of 2022. The bank 's yield maintenance fee was 3 times the amount I anticipated. I emailed my rep and asked her why this amount of {$36000.00}. In our emails it became apparent the bank was using 10 years to figure out my yield maintenance fee rather than 5 years which I always had believed. I had approximately one year left for the 5 year anniversary. She told me the numbers were correct after providing some calculations. When I read the mortgage note I found the wording vague confusing and convoluted and tailored for the bank 's advantage. They charged me XXXX on a loan of {$240000.00} with a balance of {$220000.00}
Product: Credit reporting or other personal consumer reports

I turned in my lease with Ally Bank ( auto ) in late XXXX, early XXXXXXXX XXXX XXXX and leased a new XXXX with XXXX XXXX. Upon turning in my lease there was a disposition fee I wasnt aware of, and the dealership where I returned the vehicle and got a new one did not take care of this fee. I was made aware of it via email and I took a settlement that was offered for this fee not realizing this would be reported to credit bureaus as a charge off over a fee I didnt even realize was something I needed to take care of. This fee was {$390.00} of which I paid {$230.00}. I would have paid it in full if I realized this would be reported negatively to credit bureaus as a charge off. This has completely ruined my credit taking it from above an XXXX to below a XXXX. I have called since XXXX of this year to get this resolved and still havent got anywhere. I have offered to pay the {$150.00} difference to get this removed from my credit report. They have told me that they can open the account back up and I can pay the difference for the fee ( {$150.00} ), but they wont stop reporting the charge off. Thats wrong and terrible business practices. I am so on top of my credit and Ive never even had a late payment. My credit and livelihood are being ruined over some fee that Ive never experienced before when leasing a vehicle and Ive had 3 leases so far. This is ridiculous and needs to be resolved.
Product: Debt collection

Never received any notice of debt in three years, debt pops up on credit report. Contacted company to verify debt, they refused to send out any information. Finally decided to give up and see if they would settle the debt for a lower amount because I am trying to get a house and can not have this on my credit, they refused to send me any information by mail, or even email and told me I could pay a lower amount. The next day they called me and said unless I paid right that moment, they were taking away the offer. They threaten with wage garnishment and legal action, all while REFUSING to send you any information on your debt or agreement to pay!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several unauthorized accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and these accounts and inquiries were fraudulently opened or accessed without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you permanently remove the following entries. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$4600.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6500.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$9500.00} Unauthorized Inquiries XXXX. XXXX - XXXX XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am saddened to report that XXXX, Experian and XXXX are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.
Product: Credit reporting

i asked for information to be removed as it was paid and released but credit reporting companies refused to remove items
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRIES REPORTING ON MY CREDIT REPORT
Product: Mortgage

I refinanced my mortgage through Credence Funding Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. We closed on XXXX. The first payment was due on XX/XX/XXXX. I was XXXX   in XXXX and sent my payment to Credence Funding on  XX/XX/XXXX they cashed my check for {$820.00}. I then received a notice that my mortgage had been sold to XXXX XXXX XXXX  XXXX XXXX, IN XXXX. The funds from my first payment has never been transferred from Credence Funding to XXXX XXXX. This has resulted in account being late every month. I have a copy of the cashed check by credence. I am hoping someone can assist me in getting this straightened out. Thanks in advance. 

XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXXDept Of ED 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 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.

Chapters VIEW ALL
Product: Debt collection

To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX XXXX Helzberg ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )
Product: Mortgage

My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.
Product: Mortgage

Loan Depot XXXX. XXXX. I shopped around for mortgage lenders and compared fees. I ended up going with Loan Depot, Loan XXXX XXXX XXXX who promised me Loan Depot would meet or beat any lenders price and fees. XXXX also told me he would cover the costs beyond my deposited amount of {$490.00} required for the appraisal to get the appraisal scheduled. I was very adamant about not wanting to pay more than {$490.00} in total for the appraisal albeit on my credit card or added to the closing costs. He agreed and said he would cover it. I felt comfortable accepting his word because every time he said WE WERE ON A RECORDED LINE. When the appraisal was done, the costs of the appraisal {$1800.00} - {$490.00} were added to the loan. I asked him to fix it and he didn't respond for almost 10 days. XXXX XXXX who works with XXXX reached out to me for more documents which I immediately provided. I told XXXX to elevate the issue since I had not heard from XXXX and that LOAN DEPOT committed to cover the appraisal costs beyond {$490.00}. She said she would listen to the recorded calls. I then received a heated call from XXXX XXXX, XXXX 's manager who said XXXX did not make this commitment and that I either pay or they would refund my deposit and cancel the loan. I asked him to play the recorded calls to hear XXXX 's commitment and he wouldn't. I then got an email from XXXX 's replacement, XXXX XXXX, asking me to fund the closing amount on the loan. Also advising that XXXX was no longer with the company. I then called Customer Care at Loan Depot and after 7 tries, XXXX XXXX agreed to listen to the phone calls and call me back with her findings the next day. She didnt call so I called and talked to XXXX XXXX who put me on hold for about 3 minutes. He then told me management listened to the calls and didn't hear anything regarding a commitment for the appraisal costs. I asked to hear the recordings and the call logs to verify it against my cell phone which tracks this log and time duration of each call. XXXX said no and that he couldn't help me any further. I bought down to a lower interest rate and now rates are higher. I want this refinance. How to I prove Loan Depots commitment if I can't obtain the recorded calls? Do recorded calls only work for the benefit of the lender and not the consumer. Thanks, hoping for a positive outcome. Loan depot now closed my loan and plans to.refund my {$490.00}. This is unacceptable.