23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX JC pennyXXXX Synchrony Bank placed a hard inquiry on my credit report. I have contacted them 10 times over 12 months. Each time they told me it would be removed via fraud. I have been given case numbers # XXXX and # XXXX. I contacted them again today XX/XX/XXXX as it still appears in my credit reports. All credit reporting agencies tell me they won't remove it as when I dispute it they then contact Jc penny/Synchrony Bank and they tell them its accurate information. This has affected my credit and resulted in me paying more interest and now qualify for cheaper rates. I want a notice in writing stating it's ment to be removed. I want them to also send this notice to all credit reporting agencies with in 30 days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX/XXXX/2024, and I have not yet received a response.
Product: Mortgage

Wells Fargo Home Mortgage There has been nothing but the run around with the issue/issues at hand dealing with Documents As stated on the XXXX XXXX, XXXX letter that has to do with California All Purpose Certificate Of Acknowledgement It is stated by Wells Fargo Mortgage that there is no place for my signature on the California All Purpose Certificate of acknowledgement. as I have uploaded a copy of the document. 
First thing on XXXX XXXX, this document was not presented to me in any way nor did I appear personally. 
This document has a place for the Notary to sign It has Signers Name line it has Signer is representing line Signers other than named above It also stated by the notary I personally appeared so if I appeared why did I not sign my own name as I did the other papers on XXXX XXXX My next issue is nothing nor was corrections agreement nor limited power of attorney discuss by the notary. notary can not act as my attorney nor give legal advice. 
On my originals documents there are over 21 signature lines left blank & there was a charge by the bank for a closing attorney and there was no closing attorney on any signings. 
Other issues I have all the closing documents that was giving to me in the original folder showing as proof all the blank lines as well as charges for a closing attorney that got paid that never rendered no service for closing. 
So there are a lot of issues at hand. 
Personally appeared means me being there and signing or a document stating that I 'm giving up rights on the California All Purpose Certificate Acknowledgement. 
There has been a lot of tricks and wording by Wells Fargo Mortgage Home. 
No matter how you put it Appeared means personally and if Wells Fargo Mortgage Home was doing loans with morals they would not have to play the word game as if I cant or do n't understand. But my documents sign on the closing date is proof with all the pages left blank there was no closing attorney as stated on that day which was charge to FHA in which is fraud by Wells Fargo Home Mortgage
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX v. XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Mortgage

I originally refinanced with XXXX XXXX XXXX XXXX ( NMLS # XXXX ), Loan amount {$140000.00}, 30 yr., VA IRRRL XXXX 2.75 %, PITI {$930.00}. 

My first payment was sent with an extra principal payment of {$360.00} for a total of {$1300.00}. The loan was transferred to a servicer Paramount Residential Mortgage Group , Inc. ( NMLS # XXXX ) XX/XX/2020. 

My servicer disclosed the same loan amount of {$140000.00} and noted that I was in default on my first payment. I notified PRMG of the discrepancy and put out a trace from my bank on the payment made through online banking. XXXX  XXXX XXXX has confirmed that the payment has cleared. Check XXXX {$1300.00} ( extra principle of {$360.00} ) was mailed to XXXX XXXX XXXX XXXX for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/2020.The payment was applied on XX/XX/2020. After notifying XXXX XXXX XXXX, a payment with an initial escrow balances collected during settlement was sent to PRMG. PRMG has misappropriated the first payment of {$930.00} plus the extra principle payment of {$360.00} and has not corrected the balance. 

I have since sent two additional payments for XXXX and XXXX, {$1300.00} & {$930.00} respectively. Check XXXX for {$1300.00} ( extra principle of {$360.00} ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/2020. Check XXXX for {$930.00} ( no additional principle ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/XXXX, XXXX.However, PRMG is still showing that I have an outstanding balance. Additionally, the outstanding loan amount is also incorrect as payments have been misappropriated.
Product: Vehicle loan or lease

When I 1st got the car it was having modular problems the car has to to be restarted every XXXX miles I reported to the dealer who tired to fix it twice and failed. I was sent to there dealer ship in Indiana twice the warranty was expired by 4miles I explained to the dealer youve been sending me to your shop Indiana to riverdale the fact that its not fixed is and should be under warranty it you hadnt had me take the car to your shop twice They said it was nothing they were going to do any the warranty was up which was XXXX miles or 3 months what ever happened 1st The insurance is being paid out of pocket when the care note is supposed to cover all sums The deceptive practices is I had to pay a down payment of XXXX after I was told it was {$500.00} down. Every time I came in. It was XXXX thing and it ended up being another. I had to pay some more money receive cars that didnt run and broke down. It was eventually repo of the cars that they are selling. I dont know accident cars or previous history. I feel like the vehicles were misrepresented and didnt last the length of the loan and, I want a refund after I got the car back from XXXX XXXX drove the car was on flats I had to replace tires, my windshield wiper were broken my windshield was cracked my gas was gone the car wont say running and it cuts off in traffic even more than before they dont wan na admit the damage they did I was going through the finance company I gave them pictures and videos and everything but they didnt want to take responsibility for the damage when they took the car the car cuts off and it doesnt run at the same even worse than before and its just a headache and inconvenience. I want a refund and all payments made return under law I have the right to recent the deal at anytime for any reason the car wont pass emissions so its a problem the dealership gave my a warranty that was bad but the riding back forth and not getting fixed should be there responsibility the refuse to compensate me for the vehicle in anyway they did me dirty and did my kids the same way I referred them to the same car lot and they cars went down faster rhan mine my son car the trans went out my daughter front in fell down and her lights didnt work and she went to the dealership a number of times until the warranty expired hurtful me and my family have been put through with this vehicles I want to finish with the damage that was done during the repossession was intentional vandalism my windshield wipers didnt have whatever that was tide to them in one of the the guy had to put air in the tire when I picked it up and I had to by a tire the next day
Product: Credit card

I have had Bank of America shut off my credit card multiple times, probably XXXX, for no logical reason. I opened up my account 8 years ago in Texas and it became connected to my parent 's account, which is also in Texas. Then, my parents moved to XXXX XXXX, but I still remained in Texas. However, Bank of America continually shut off my credit card because it was being used in Texas, even though I called them every single time to tell them that I lived in Texas and that it was not suspicious activity and that they needed to change my address. Every time, they assured me that it would never happen again. Yet, it happened time and time again. I would be far away in an area that I did not know with homeless people approaching my car and trying to take money from me, and I could not get gas or leave because Bank of America shut off my card again. Last time, I told them that if they shut off my card again without asking me, then I 'm taking all of my money out of the account and moving to another bank and they told me that they would not shut it off again. However, they did about a week later. Then, when I called to say that I wanted to transfer my money and wanted to know the best way to do it, the representative just told me to go ahead and try, but I 'll get fined. She was extremely rude and did not try to rectify the situation at all whatsoever. She did not apologize or care in the least. I am a " preferred customer, '' yet Bank of America shuts off access to my own money time and time again, without reason.
Product: Mortgage

I have been trying to make a payment with my mortgage company LoanCare. I haven't been able to pay online and have finally figured out that they transferred my loan to another company and I didn't receive notice that this was going to happen. I looked in my payment history and it says XX/XX/2019-XX/XX/2019 Loan Service Transferred and everything has a XXXX  balance. I have been trying to pay my mortgage for more than a week now and didn't understand why it kept giving me an error message. I have not idea who my new loan servicer is and I haven't been able to make my XX/XX/XXXX payment! I don't want to go into default for missing this payment. How do I figure out who my new loan company is and if they have everything to receive my XX/XX/XXXX payment?
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help.! I Have reached out to both parties and still no resolution. This company EXPERIAN is in clear violation of the law under 15 USC 1681b. For XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX account # XXXX. They have not done a full complete investigation regarding the above accounts like Ive ask! Failure to provide a proper investigation has caused myself and my family such stress and grief. Ive also filed a complaint with XXXX  as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I fill for Bankruptcy Chapter XXXX at United States Bankruptcy Court for the District of XXXX XXXX . My Creditors ( the ones appear on my Credit Report stated " ..Debit included in/or discharged through bankruptcy Chapter XXXX.. '' on XX/XX/2020. I do not disagree. Only one Creditor did not proceed same way XXXX XXXX XXXX XXXX XXXX XXXX. 
I came to talk after a few attempts ( only record on other side ) within a men XXXX ( XXXX ) to ask why the Institution does report late payments when that Personal Loan were included on Bankruptcy? His answer were " Loan not paid yet ''. Strange are after that call came to appear on my Credit Report " Charge-off ''. Is that legal? I read articles that Experian post periodic and I remember to read that charge-off come to appear 180 past due, this one only 90 days and on following month came appear charge-off. 
The effective date of confirmation of the Plan by the Federal Bankruptcy Court are XXXX. 

On my Credit Report also show " Accounts ever late 12 ( twelve ). Why that appear when all creditors report on XX/XX/2020 the debit are included on bankruptcy chapter XXXX? They not report nothing on the following months.
Product: Debt collection

The information below is from my credit report that this company just put on my report last month. I have spoke to two different representatives letting them know I am a victim of Identity theft and never had an account with them LVNV FUNDING LLC or XXXX  XXXX who they said they bought the debt from. 

I was never contacted by this company before they put this account on my credit report and I was told by the senior representative on XX/XX/XXXX that they don't have time to call every person to validate the debt before having it put on a persons credit report when they purchase the debt. She stated this debt was from sometime in XXXX. 

I gave them another 24 hours to have this removed from my credit report. As this is a result of identity theft and they were informed of this several times. 

Also I did not sign any type of agreements with this company or any that they claim to have purchased the debt from. 

My rights as a consumer have been violated because I was not given the opportunity to dispute this debt before they put this on my credit report. 

This is the 3rd time I have spoken to someone from this company as of today XX/XX/XXXX. 


Account Details Bureau Name LVNV FUNDING LLC Original Lender 10 XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$360.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX-XXXX Remarks
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in the most recent CFPB lawsuit and issues with the platform. Ive used Zelle numerous times and the discrepancies were not handled or investigated from my financial institution or Zelle itself. Recovering lost funds was impossible and also unable to track transactions. The CFPBs findings show that Zelle has neglected to protect consumers and have allowed offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I was giving notice that my credit profile has been breached. I requested a copy of my credit report from TransUnion, XXXX, and XXXX were I found serval errors and unauthorized accounts on my file. I have reached out multiply times to each establishment but they keep saying the information is verified with no other information given. Please help me with these following accounts : XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am applying for a loan modification with Ditech, the third lender purchased during the modification process. During the past year my A/C broke and the replacement caused water damage to the newly installed floor ; that I also just happen to XXXX attempting to install ( amputated with a circular saw ). Additional items with my house during the past year alone, I 've had to replace plumbing parts/repair on aerobic system, replace a broken dishwasher and washing machine. 
I was able to file a claim with XXXX, the insurance company my lender enforced for insufficient coverage previously. The insurance adjuster, XXXX ( asked I call him XXXX ), processed settlement claims/checks for the floor replacement, after deductions approximately {$3800.00} ; and advised the A/C payment would be in two installments, with the final installment paid when the adjuster receives the invoice of completed work. XXXX sent the first installment of XXXX {$1800.00}, and I sent him proof of the work that was completed as instructed but never received the remainder settlement check, nor any explanation or otherwise comments/advice. Therefore, my floors remain damaged, as his report will reflect. The checks were issued in my name and Ditech 's, therefore, I sent for signature after receiving specific instructions sending via XXXX. 

The A/C servicer is 'harassing ' me for his payment. He deserves to be paid but I can not pay him until Ditech releases the check paid toward the A/C. I owe {$2800.00} for the A/C, but XXXX 's Insurance Adjuster has decided to dodge my calls ( ID ), does not respond to my e-mails, or text messages ; same or similar actions with Ditech and its claims department. I have been treated as if I 've done something wrong. It 's ridiculous, and I 'm at a loss for much more effort toward working with these crooks ( for lack of better descriptions ). The Claims Department with Ditech, and/or XXXX ( in-house insurance ) have been willing to respond to my inquiries of the final payment toward the A/C repair with the invoice I submitted, nor the release of checks requiring Ditech 's representative signature/endorsement. 
Because of the long-drawn-out modification process, most recently XXXX/XXXX/15 of yet additional documentation and request to complete the entire modification paperwork/pack my credit is less than perfect, so I 'm in a lease program for the large appliances. Instead of replacing the entire A/C unit, repair/replace parts as described within/enclosed and still owe for that {$2800.00} service, I have had estimates, but ca n't replace the water damaged floor because my mortgage company will not release the monies paid on the claim. 
Appreciate your overseeing of the A/C second/final installment based on completion invoice submitted, as agreed/instructed. As well as, enforcing Ditech to endorse and release the funds issued, currently in their possession.
Product: Credit reporting or other personal consumer reports

Dispute was done XX/XX/year> Experian has failed to correct inaccurate information on my credit report, even after I disputed the accounts and requested an investigation. Instead of properly addressing the issue, Experian has added remarks to my credit report claiming the accounts have been verified. However, the accounts are still reporting inaccurate information, which proves they did not conduct a proper investigation. 

This negligence has caused significant harm to me, including being denied loans, paying higher interest rates, and damaging my financial stability. The Consumer Financial Protection Bureau has filed a lawsuit against Experian for similar issues, such as failing to investigate disputes, relying on unreliable information, and not notifying consumers properly about dispute results. My experience reflects these same failures. 

I am requesting immediate corrective action to properly investigate the disputed accounts and remove the inaccurate information. Experians actions violate federal law, harm my financial well-being, and infringe on my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the Credit Bureaus response about the written requests I sent regarding CONNS. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Student loan

In XXXX of XXXX Sallie Mae Bank reported to the credit agencies that XXXX of my loans were XXXX  days passed due which dropped my credit by XXXX points. I made on-time payments the entire time I've had the loans. I contacted Sallie Mae to discuss the issue and they had multiple account errors with incorrect information, stating I was in the military and that my deferment period was already used. Both of these statements are incorrect. I've never been in the military. I contracted all the credit reporting agencies to dispute the late payments. I contacted Sallie Mae by phone and by mail. I provided proof of all my payments in XXXX and XXXX both on the Sallie Mae site and my bank statements. I have received no response from Sallie Mae and they have refused to take the derogatory payment remarks off of my credit reporting.