23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home is currently in foreclosure with LoanCare LLC. I called to request a reinstatement amount. I was given a reinstatement amount of {$16000.00}. In my calculation, this amount is incorrect and I previously requested a payment history in writing TWICE but my request was never processed. I was told on the XX/XX/2020 to send the payment via wire transfer. I went to my bank at XXXX CST to send the wire. I called XX/XX/2020 and was informed my wire was not received. I was transferred to Supervisor XXXX Agent #  XXXX. He sounded sleepy or possibly inebriated. He spoke in a very unprofessional tone. He was able to locate my payment but said he did not know when it would be applied. I explained to him a loan servicer can not delay applying a payment. He said he would research. I explained the amount they gave me to reinstate my loan was good through XX/XX/2020. LoanCare has hindered me every step of the way in my attempts to save my home from foreclosure. They have given me misinformation and lied about what options I had to keep my home. This is just another in a long list of tactics employed by this company to try to remove me from my home. I received a letter yesterday stating I agreed to sell my home. I never agreed to that either. Now today you are unable to apply my payment? It is not only fraud but discrimination.
Product: Consumer Loan

I would like to file a dispute with Wells Fargo Auto Finance. Wells Fargo is negatively reporting a debt owned on credit reports that has already been satisfied from a insurance settlement. The debt is invalid which is evidenced by them releasing the lien of my vehicle and giving me the title. I currently live in Illinois which is a title holding state and a title is not released until loan is satisfied. I have reached to all three credit company 's to dispute this issue but was not able to get it resolved because Wells Fargo is stating that the debt is valid.
Product: Money transfer, virtual currency, or money service

I was scammed by a scammer posing as the XXXX XXXX, the IRS, and the Treasury. I sent money to the scammers using Western Union, XXXX XXXX, and bank transfer. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Western Union and the XXXX  police, but it didn't work. I contacted the XXXX  police two years ago before I started my XXXX  XXXX, but it was no use. This is a scammer 's XXXX address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a scammer email address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Experian Credit Reporting Violations Under 15 U.S. Code 1681 Dear CFPB Representative, I am submitting this formal dispute regarding Experians inaccurate and improper reporting on my credit file, which violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ). These errors are negatively impacting my credit standing and must be corrected immediately. 

The following accounts are inaccurately reported : 1. XXXX XXXX XXXX Reported as negative, despite having a zero balance. 


2. XXXX XXXX Incorrectly listed as negative with a XXXX balance. 


3. XXXX XXXX Reported as a charge-off with a balance of {$880.00}, which is incorrect. 


4. XXXX XXXX Listed negatively even though the balance is zero. 


5. XXXX XXXX XXXX XXXX Incorrectly reported as a charge-off for {$14000.00}. 


6. XXXX XXXX XXXX XXXX ( Second Account ) Reported inaccurately with a balance of {$2700.00}. 


7. XXXX Multiple closed accounts still listed, including one with a {$1300.00} balance. 



Experians Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i requires Experian to properly reinvestigate disputed information. 

15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain accurate and verifiable consumer data.

These inaccuracies have negatively affected my credit score and financial opportunities.

Requested Action I formally request that the CFPB : Investigate Experians failure to accurately report these accounts. 

Ensure Experian provides verifiable proof of the accuracy of these reports or removes them immediately. 

Hold Experian accountable for compliance with FCRA regulations. 


I expect a written response from the CFPB and Experian detailing the findings of the investigation and any corrective actions taken. If Experian fails to comply, I am prepared to escalate this matter further, including seeking legal action. 

Please confirm receipt of this dispute and provide guidance on the next steps for resolution. Thank you for your prompt attention to this matter.
Product: Student loan

XX/XX/2015 I filed a chapter XXXX fed loan service gave the trustee an amount of XXXX  on  paper the amount was paid the bankruptcy was dismissed by the court fed loan service refuses to acknowledge this they have created a bill that no longer exists they are charging me late fees on a loan that isnow paid and is over 31 years old over 16.000 has been paid on an XXXX loan I have paper work to prove the amount they gave the truster
Product: Credit reporting or other personal consumer reports

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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, 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. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights including Equifax. 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.
Product: Credit card

I pulled a credit report a few weeks ago and I noticed an credit card was reporting on my credit file and I have wrote them several times requesting information regarding this account and I have no knowledge of this account but the company will not send me the Information I have requested
Product: Debt collection

My domestic Partner an I ( XXXX XXXX ) have been severely harassed by Atlantic Credit & Finance of XXXX, VA for a credit card debt that has been previously paid. XXXX carefully explained this to Atlantic and have received several calls demanding payment. Even when he provided banking evidence of XXXX cleared checks that paid off the debt, he still received harassing calls. Atlantic never contacted the original credit card company, XXXX Bank, to confirm that they received an deposited the checks. Their collector 's demeanor has been condescending, illogical and demeaning. XXXX individual, XXXX XXXX, was particularly rude. It appears they are trying to get compensation from anyone for whatever effort they have expended.
Product: Vehicle loan or lease

Company is reporting as delinquent but received a letter the states account has been paid per agreement
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late open account and the unjust presence of a charge-off on my credit report. Despite my diligent efforts to rectify these issues, they persist, adversely affecting my creditworthiness and financial standing.

A charge-off entry has been unjustly placed on my credit report. Despite providing evidence and documentation proving that this charge-off is erroneous, it remains, tarnishing my credit history and impeding my financial opportunities.

I have made previous attempt to dispute and correct these inaccuracies, providing comprehensive documentation, including payment records and correspondence with creditors, to support my claims. However, despite my efforts, the credit reporting agency has failed to rectify these issues, causing undue hardship and frustration.

Therefore, I request the following actions : Correction of the late open account to accurately reflect my payment history.

Removal of the unjust charge-off from my credit report.

Thorough investigation into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews.

Clear and transparent communication regarding the steps taken to address my complaint and prevent similar inaccuracies in the future.

I urge your agency to prioritize the swift resolution of these issues to restore the accuracy of my credit report and mitigate the adverse effects on my financial well-being.

I expect a prompt and satisfactory resolution within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to correct or remove these accounts in my credit file : XXXX XXXX  Balance : {$21000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX  Balance : {$19000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Checking or savings account

My account was closed on XXXX/XXXX/2012 due to suspected fraud activity in the amount of {$97.00}.
I was never notified of this and only discovered this information by accessing my XXXX XXXX report. When I have contacted the bank, they have no information on how I can resolve this issue.
Bank of America XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting

I filed a complaint against Transunion due to their verification of a debt issue. The following week, in retribution, they lowered my credit score by XXXX points even though there was absolutely no change in my report. It has been several weeks and they refuse to raise the score to the previous level. I printed the XXXX reports showing the only change was the score and NOTHING else. I thought this process was to help consumers but now feel threatened that companies can harm my credit for complaining about them. I find this frustrating and feel the entire reporting system is broken and needs an overhaul. I pay my bills on time and pay off credit cards every month and yet find my score does n't represent that.
Product: Vehicle loan or lease

Ive had problems in the past with fraudulent activity on my Navy Federal account and I believe it happened once again. Just recently I had an inquiry placed on my credit report from NFCU about an auto loan that was not authorized by me.
Product: Mortgage

My loan was recently sold to another co mpany ( LoanCare ) an d I was surprised to learn they are bumping up my loan by about $  XXXX /month.   They are telling me they have the right to charge a 6 % cushion to cover taxes and insurance. My taxes and insurance have gone up and I realize I need to pay that. How do they have the right to charge an ADDITIONAL 6 % cushion on top of that increase?   I have several home loans and this is the only company that does this. They know what my insurance and taxes are ( at least the the other companies I deal with seem to ) I have been trying for several weeks to get them to let me escrow it myself which I was told by them over the phone would not be a problem. However, they are not responding and are charging me late fees for not paying the ADDITIONAL monies they want.      XXXX   XXXX   XXXX , TX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My XXXX XXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get XXXXredit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 



Waiting for a Reply, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services has been reporting late payments to the credit bureaus it sends my information to. This reporting is false and should be removed. I have called the company multiple times explaining how this is inaccurate and they tell me it's an issue with their automated reporting that they are working on fixing ; however, these false statements have continued to appear on my report.
Product: Checking or savings account

XX/XX/2023 my XXXX account was logged into by an unknown individual and they've ordered two gift cards from this place called " XXXX 's XXXX XXXX. '' The location of this person is in XXXX, XXXX, XXXX according to the bank statement transaction. I reported it the same day to my bank and contacted XXXX. XXXX lied to me multiple times by different people telling me how they handled the situation. The very first time, I called XXXX. They told me that they canceled both cards and reported them to the fraud department. I hung up that day feeling relieved that everything was sorted out. I noticed I didn't get any emails about refunds and contacted them again about it and told me that they were going to process my money refund then and then they wrote me two fake emails like everything was official and solved. Later, I contacted them again and multiple people from XXXX just kept playing around with me like they were gon na help me and kept transferring me to different people who didn't help and only lied too. After that, I gave up with XXXX and called my bank. They told me how they received both my disputes and were gon na raise an investigation on them. Later, I was denied any funds from the fraudulent transactions. I opened a rebuttal to the denial with all the proof ( my location, I gave them my ssid over phone, suspicious websites I went to, etc ) I could and was denied again. I googled the XXXX XXXX XXXX because I didnt orginally know what that was and I found out that I'm not the first person who was charged fraduently by this location on this websibe called XXXX XXXX XXXX Here 's the link XXXX XXXX XXXX XXXX and also that same day I got that strange charge, my email was flooded with scam emails ever since. I today saw that they changed my transaction name to just XXXX and not the XXXX XXXX XXXX. got a new bank card, password, and reset my XXXX account and now I will switch everything over to a new email I've created. There were only two situations in which I may think I have got my details stolen : 1 ) I went to this website called XXXX : XXXX. I had last put my banking information there to purchase something for myself. 2 ) The other was me with someone with XXXX. I gave them my XXXX email address to send me money and we had a " trust '' situation going where I had sold them a game account without any security. The account was sold for exactly XXXXXXXX XXXX the very next day, I've lost that exact amount. The seller didn't have my banking details directly but the game account details was the same email I used for Chime and the same password I use for Chime. " XXXX '' and my old password was " XXXX. '' I don't know what to do so I did research and found this place.
Product: Student loan

I had a payment with due date XX/XX/2017. 
I paid the amount on XX/XX/2017. 
I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY. 
I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ). 
I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed. 

I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX - XX/XX/2019, appears to be late on report. This account was never late. Please correct and update. 
XXXX XXXX  - I am unaware of this account. I never authorized this account. Please investigate and delete. 
XXXX XXXX XXXX - I did not authorize this company to inquire on XX/XX/2019 about my report. I did not authorize this inquiry. Please remove.
Product: Mortgage

MY MORTGAGE LENDER ( CALIBER HOME LOANS ) HAS DENIED MY LOAN MODIFICATION REQUEST AND THEY INSIST ON A SET OF WRONG ASSUMPTIONS ABOUT THE VALUE OF MY HOME!!! 
CALIBER REVIEWED ALL MY DOCUMENTS AND THEIR MODIFICATION DEPARTMENT STATED THAT MY INCOME IS SUFFICIENT TO QUALIFY ME FOR ASSISTANCE PLANS, BUT THEY SAID THE VALUE OF THE HOUSE IS TOO HIGH. 
I HAVE ASKED THEM REPEATEDLY TO PLEASE REVIEW MY EVIDENCES ABOUT THE POOR CONDITION OF MY HOUSE 'S INTERIOR, BUT CALIBER DOES NOT ALLOW ME TO AT LEAST PRESENT MY PROOFS OF THE LOWER VALUE!!! 
THIS IS SO UNFAIR TO ME THAT THEY WONT EVEN LOOK AT MY OWN COMPLETE APPRAISAL!!! 
THEY SHOULD AT LEAST JUST LOOK AT MY EVIDENCE, AND ALLOW ME TO PRESENT MY INFORMATION, AND THEN DECIDE IF I QUALIFY OR NOT. 
FURTHERMORE, I CURRENTLY HAVE AN ACTIVE FILE THAT AS OF TODAY CALIBER IS STILL REVIEWING FOR MODIFICATION AND THEY JUST ASKED FOR MORE ITEMS FROM ME. SO WHY ARE THEY REFUSING TO POSTPONE THE SALE DATE TO COMPLETE THEIR OWN REVIEW PROCESS???!!!! 
I 'M A SINGLE MOM STRUGGLING VERY HARD TO SAVE THE HOME FOR MYSELF AND MY KIDS AND THE LENDER SHOULD TRY & SHOW SOME GOOD FAITH TO COOPERATE IN FINDING A SOLUTION, INSTEAD OF CONSTANTLY PURSUING ONLY FORECLOSURE!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in numerous ftc documents and proper documentation under the FCRA 15 USC 1681c-2 to have information blocked and deleted from my consumer credit profile theses companies disregarded my federal law rights and now will be held liable for these violations.
Product: Student loan

I want to understand why my alma mater would try to ruin my life and my credit by prematurely sending my University Loan to collections? The facts are simple. The loan was sent there erroneously since I was not actually behind on payment by XXXX or XXXX months like the loan servicer ECSI contents. Thats not even possible considering the loan only became due in XX/XX/XXXX. Furthermore, I only learned of the loans existence in XX/XX/XXXX. That is to sayI thought all of my loans were serviced by the same company. So when I applied for deferment with XXXX in XXXX like XXXX XXXX suggested, I believed I addressed my student debt. Obviously, now I see this wasnt the case. 

At first when I was getting threatening correspondence from Heartland ECSI, I thought it was in error. But it turns out the majority of the loans associated with my undergraduate degree are indeed in deferment because XXXX made the process easy. My ECSI-held University Loan was the exception. Which is confusing because all of my loans were serviced by Heartland ECSI at XXXX point. Additionally, in regards to Heartland ECSI, I filled out a forebearance on XX/XX/XXXX only to be told the next day that I still had to pay hundreds of dollars worth of interestsomething they really shouldve mentioned beforehand. Then to make matters worse, every subsequent email from ECSI said I had until XX/XX/XXXX to complete my forebearance by paying the outstanding interest and yet, XXXX XXXX sent my account to collections on the XXXX! What a terrible birthday/XXXX  present that was. Ive been trying to reach Accounting or the Financial Admin at XXXX via phone but have been unsuccessful. I sent an email very similar to what Im writing here. I also reached out to XXXX XXXX who didnt treat me as professionally as their name would suggestand after a brief unpleasant conversation with one of the XXXX representatives, I filed an official written dispute of the debt via email.