23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Put in application for loan modification! Uploaded documents including contribution letter. Don't get a phone call from the person handling it. Just get a letter requesting up date contact info and options for modification. I went from XXXX XXXX taking 5 months with modification to selling the loan to this place. I have every document sent to loss mitigation and my representative!! 

I even sent to the loss mitigation representative to her email and XXXX plus faxed to XXXX. 

I don't know what they want!! Their website sucks!! Can't upload to portal without error messages.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity as the inquiry below. 
XXXX XXXX XXXX XXXX XX/XX/year> Equifax
Product: Mortgage

Carrington Mortgage Services , LLC falsely reported our loan as delinquent to the credit reporting agencies for my spouse and myself, which is showing up as a major derogatory mark on our credit reports. In XX/XX/2022 we were offered general terms of a Mortgage Modification from XXXX with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/2022 and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

Carrington is saying they never received the paperwork from XXXX ; XXXX is saying they sent everything. 

We are NOT DELINQUENT, rather XXXX and/or Carrington are delinquent, yet we are the ones now suffering the consequences of this both of our credit ratings have decreased by over XXXX points, we are receiving demands of payment from our credit cards, and our interest has increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online I we nt to www.AnnualCreditReport.com to get the one free cred it report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.     MY COMPLAINT : Equifax and   XXXX   both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words,  XXXX  and Equifax put up every possible roadblock to make it difficult to obtain t he one free cr edit report per year that citizens are entitled to by law.     MY REQUEST : Please make Equifax and  XXXX  comply with the law and provide citizens with one free credit report per year ONLINE like TransUnion does.     Thank you
Product: Credit card

Synchrony keeps stalling saying give them 30 days. It's been 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX SEND ME FOR THOSE XXXX ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY.

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT
Product: Credit reporting or other personal consumer reports

Subject : Urgent Report : Unexplained Credit Score Drop and Stolen Car Situation Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a concerning situation involving XXXX and Chase Bank, and I seek your assistance in resolving the issues at hand. 

Recently, I received an alert from XXXX notifying me of an XXXX drop in my credit score. Upon further investigation, I discovered that XXXX removed my mortgage and installment accounts ' credit history, specifically my car loan with JPMCB auto. This is perplexing, as my credit report is clean and in good standing, and I have been making timely payments. Strangely, my last payment was just last week. 

Adding to the complexity, I received a letter from Chase Bank congratulating my sister, who is the cosigner, for paying off the car loan. This is perplexing as well, as I am the sole owner of the car and have made all the payments, including the final one last week. The letter was addressed solely to my sister, and it mentioned sending her the title in the coming weeks. 

The situation is further complicated by the fact that my car was stolen on XX/XX/2023, by an individual named XXXX XXXX. The theft occurred at the XXXX, XXXX XXXX, XXXX XXXX employees ' private parking, and the police report number is XXXX. Despite providing all relevant information, both Chase Bank and the XXXX Police Department have been uncooperative in helping recover my stolen car. 

I am deeply concerned that after reporting this discrepancy, XXXX XXXX re-add the account to my credit history, adversely affecting my credit score. I urgently seek your intervention and assistance in resolving both the credit reporting issue and the lack of cooperation in recovering my stolen car. 

I appreciate your prompt attention to this matter and your assistance in rectifying these challenges. Thank you for your time and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquires : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed collections that were on my credit report that I had not been aware of. The company XXXX XXXX XXXX can not produce any type of contract that I XXXX XXXX have or had with them. Experian removed one collection from my report but not the others which are from the same company.
Product: Credit card or prepaid card

I have been a cardholder with American Express since XXXX. On XX/XX/XXXX, I received a {$200.00} statement credit with a description of " XXXX XXXX XXXX XXXX '', see attached document. On XX/XX/XXXX, five weeks later, I received an email from American Express stating that " they have credited my account more than they should have ... '', see attached document. 

I called American Express customer service and ultimately spoke to XXXX ( ID # XXXX ) regarding this issue. She explained to me that this credit was given in error and that there were many cardholders who received a credit in error. She offered no further explanation nor did she feel it was the responsibility of American Express to provide further justification. 

If AMEX had made an error to only discover it five weeks later, as a valued customer they should NOT have penalized me for their error. What this company is essentially doing is penalizing their cardholders for their mistake. I have as well as many others I 'm sure have already appropriated funds received from this credit, so in essence, I am being penalized for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX XXXX credit card account listed on my XXXX XXXX, XXXX  and Equifax credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.
Product: Debt collection

I have contacted them numerous times. I have send below letter. I cc : FRCA They have failed to provide PROOF signed documentation, ID uses or any other documents that VERIFY I had an account with XXXX who they are trying to collect for. They send statements, that do not PROVE anything about how the account was opened in 2012 supposedly. They are falsely reporting on my credit report. I have also filed a fraud affidavit with XXXX in this case. 







Please be advised this is my SECOND WRITTEN REQUEST. 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Checking or savings account

I filed for California Unemployment Benefits online in XX/XX/2020. I did not receive my Bank of America ( BofA ) issued debit card and thought there was an issue with my claim. I was finally able to reach an EDD representative on XX/XX/2020 and was told my claim was active and advised to call BofA about getting a card sent to me. 

On XX/XX/2020 I spoke with a BofA representative who located my account and informed me that the initial card was fraudulently activated and used and she proceeded to close that card and issue me a new one. The rep also reset my online banking credentials and PIN so that I could access my account online. I was told to contact the claims department to file a dispute for the unauthorized charges made to my account. On XX/XX/2020 I filed the disputes. I was told BofA would issue a provisional credit and mail me more claim information in the next 7 -10 business days.

After receiving my card, I created a login for online access and didn't see any credits applied to my account. I called the claims department back on XX/XX/2020 and a rep told me there was some kind of system error affecting many accounts and that she would need to " escalate '' my claim. Again I was told I'd receive credit within 10 business days. On XX/XX/2020 I still hadn't received any credit so I called the claims department again and was told because of a banking holiday on XX/XX/2020 the tenth business day was XX/XX/2020 and the credit would be applied then. XX/XX/2020 still no credit. I called the claims department again on XX/XX/2020 and was told no time-frame could be given.

I have not received any correspondence from BofA regarding my disputes. My claim with EDD is in good standing. Federal Law and BofA 's cardholder agreement establishes my right to receive provisional credit for unauthorized transactions within 10 business days while the bank investigates my claim. In this context, Bank of America is violating this right by failing to issue credits to my account for these fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded to Complaint XXXX & Complaint XXXX stating that the disputed fraudulent inquiries were removed. That was a lie. On XX/XX/22 I received confirmation XXXX through my Equifax.com that the disputed inquiries will remain after only a 10 day investigation and no proof these inquiries belonged to me. This is not in compliance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Westlake financial was paid by my insurance company and XXXX  coverages, a XXXX loan was paid, they said it was {$80.00} left over and repeated me XXXX  days late. 
I have tried to talk to Westlake several times but the language barriers and people there are no help, this {$80.00} has cost me a lot of money and time these past XXXX days it has hurt my score XXXX points, and I cant get approved for anything at the moment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Credit card

A promotional purchase was made on XX/XX/2023 for {$6900.00} for a 24 month promotional deferred interest with XXXXSYNCHRONY CAR CARE. 
Monthly payment options were discussed at the time with a XXXX representative that monthly payment amounts would be approximately {$290.00} per month. 
Synchrony monthly statement was issued on XX/XX/2023 with the minimum payment of {$340.00}. Synchrony customer service explained that this was calculated at 5 % of the outstanding balance, It also stated I agreed to the terms and conditions of this purchase. 
I was never given this information at the time of purchase. The higher minimum payment is unexpected and does create a hardship on my monthly budget since I am on fixed income and not employed.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan during the first financial crisis in 2007 for my first mortgage. It was a predatory loan, I was told I needed a primary loan ( 1st ) and a line of credit ( 2nd ) for 100 % financing option. I had the loan since 2007 with no issues. Although I know this was a predatory loan with an super high interest rate, I wanted to keep to my commitment and agreement so I did not challenge any of the circumstances. The loan was sold off several times until I was in the hands of Specialized Loan Servicing. I received a notice from Specialized Loan Servicing that my payments will be going from interest only to principal & Interest and that they wanted me to sign a " modification '' so I can only be on interest only. I thought this was only beneficial to Specialized Loan Servicing and after 10 years of paying Interest only as agreed, I was excited to see my principle go down so I declined this offer they Specialized Loan Servicing Sent to my house almost every week. ( They were sending me certify mail with A Pre Approval almost every week ). I received a credit notice from my bank for a negative credit inquiry which was shocking. Specialized Loan Servicing reported to the Credit Agency. I have never had a late payment my whole adult life and now all of the sudden I had 31 which was mind blowing. My credit was ruined. I called Specialized Loan Servicing and was told essentially that this was due to me not signing the modification. I asked for help and was diverted from any type of assistance that would help me. I asked for the original documents I signed so i can review the terms or have an attorney review them and til this day I have received nothing. I pleaded for direct help over and over again with someone in leadership who can help me and was denied. I offered to show bank Statements with proof of payments made to them and was not helped. I asked more then a dozen times to speak to a manager who can help me. I wanted to meet my obligation for my debt and get a clear understanding of what was and has happened and was denied this bare ask from Specialized Loan Servicing. 
This was an extreme retaliatory doing by Specialized Loan Servicing for not taking the offer they gave me in paying interest only to principle & Interest payments. They ruined my credit and attached 31 late payments to my credit report. Please Help Me!
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment reported on my credit report for the account with XXXX XXXX Account Numbers : XXXX ). This late payment is inaccurately reported, and I am requesting its removal based on the provisions of the CARES Act. 
The CARES Act, signed into law on XX/XX/year>, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under specific circumstances. According to 15 U.S.C.

1681s-2 ( a ) ( 1 ) ( F ), if a consumer makes an arrangement with a lender or creditor for payment accommodations due to the COVID-19 pandemic, any adverse credit reporting during this period is prohibited.

During the COVID-19 crisis, I made arrangements with XXXX  XXXX for payment accommodations due to financial hardship directly related to the pandemic. This should have protected my credit report from any negative reporting during the accommodation period. The late payment reported is in direct violation of the CARES Act amendments to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX has violated my rights ACCT # XXXX XXXX XXXX has violated my rights ACCT # XXXX XXXX XXXX XXXX IN {$420.00} has violated my rights ACCT # XXXX XXXX XXXX  {$3200.00} has violated my rights ACT # XXXX XXXX XXXX and Credit XXXX has violated my rights ACCT # XXXX XXXX XXXX XXXXXXXX has violated my rights ACCT # XXXX XXXX XXXX {$410.00} has violated my rights ACCT # XXXX XXXX XXXX {$210.00} has violated my rights ACCT # XXXX XXXX XXXX has violated my rights XXXXXXXX 15 U.S.C SECTION 602 A. STATES I HAVE 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