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

I am writing to express my concern and dissatisfaction regarding the handling of fraudulent items on my credit report, particularly in response to my initial attempt to have them removed. 

I provided detailed documentation and evidence to support my claim of identity theft and fraud. However, despite the seriousness of the issue and the evidence presented, the fraudulent items remain on my credit report. 

This failure to address the issue adequately is unacceptable and has caused significant distress and uncertainty. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX **** XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$920.00} XXXX  XXXX XXXX : {$380.00} XXXX XXXX Balance : {$3000.00XXXX XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

On XXXX/XXXX/15, Wells Fargo Mortgage Representative XXXX XXXX and I worked out a deal for an approximately {$270000.00} loan. I have a Loan Application and Truth In Lending Disclosure from that date which I signed and which XXXX told me I was locked in at 3.875 % and used the box on the TIL form which said it was not an estimate to assure me as such. For 6 weeks after that, I was in constant contact with Wells Fargo to ensure that everything was still going smoothly and continuously reiterated the need for the closing to be no later than XX/XX/XXXX. Consistently, I was informed that this would not be a problem and that everything was progressing nicely. On XX/XX/XXXX ( 2 business days before closing ), I received notice that my rate would actually be 4.125 %. Knowing that I could not delay closing by even a day, Wells Fargo purposefully snuck in a higher rate. In total, the bank is going to get {$14000.00} more of my money over the life of the loan. I have filed complaints with Wells and they have so far claimed/admitted the following:1 ) They do not have a loan application for my loan on file. I sent them the one I signed showing 3.875 % and they continue to act like it does not exist. 
2 ) They do not have a signed copy of the TIL disclosure for my loan from before the date of the closing ( a violation of TILA ). 
3 ) The TIL Disclosure I have which specifically shows that the numbers on it are not an estimate does not mean that the rate is locked in. Nor did I ever get any official notice of being locked in at any rate before the closing. 
4 ) E-mails and verbal conversations with XXXX XXXX and XXXX XXXX ( the origination person ) assuring me throughout the process that everything is what they claim it is do not count for anything. 
5 ) Documents which detail the contractual obligations of the relationship either are ( a ) missing, ( b ) do n't exist or ( c ) are proprietary and can not be shared with me to prove that I have not been wronged. 

I would like to know what my legal options are and if these violations of TILA will lead to any regulatory or governmental punishments.
Product: Mortgage

1. Ditech, Financial has repeatedly charged fees that are unexplained fees without adequate explanation. They refuse to speak with me regarding this matter. I am executrix of an estate and have tried to continue the mortgage payments as instructed until the Probate process is done. Letters of Testamentary and other info as requested has been forwarded to Ditech, but they constantly say they do not have the information. However, they accept my checks. Letters from them are confusing and contradictory. Their actions are unsavory and they refuse to cooperate effectively. 2. I am requesting that the account is reconciled to reflect accurate charges immediately. 3. I have several correspondence from Ditech that states late fees, delinquences, content that states changes/adjustments. However, this information is not definitive and change with the next correspondence. 4. Ditech does not adequately sevice this loan. 5. This company shows all indications that their means of operation is illegal. One can not make demands or threats, if they have not adequatly explained what the customer needs. This company is the same as Green Tree that was sued. Ditech should not be allowed to operate period. All monies need to be returned or at least waived until the account is fully corrected and correctly operated.
Product: Checking or savings account

I was supposed to be paid my direct deposit from my occupation on XX/XX/year>. I did not review the early deposit and have bills to pay up to {$600.00}. I was not able to pay bills on time as there was a company wide issue with deposits. It is XX/XX/year> XXXX  night and I still have not received the funds. Capital one owes me money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$730.00}
Product: Debt collection

This company sold me a car that hood flew up on me on the expressway and when contacted they said it was nothing they could do. I continue to get calls til this day harassing me about a debt that they sold to a collection agency without my permission this is unlawful and I want this off my credit report asap.
Product: Credit card or prepaid card

I purchase a service that later on I realized was a scam. I contacted the merchant and he denied giving me a credit stating that there was no return after 72 hours. I received this announcement after 72 hours. The merchant sent me a link for a XXXX  call which I could not connect. After this I requested the credit card, Capital One, They requested me to fax a letter to them explaining the matter. After that they sent me a 2 page questionnaire, which I filled out, including my emails back and forwards to connect with the merchant. The Capital One replied that they could not remove the charge because I did not had a contract with the merchant, a contract that I never received, and a document requesting me return on something I never received. 
Later on, searching the web I found the merchant on the list of scams. XXXX XXXX. 
I learned my lesson. Please help me to remove this charge. Thank you XXXX regards, XXXX XXXX
Product: Checking or savings account

Requiring y'all to look into my new case with more helpful information for the old case XXXX   Case # XXXX and : CFPB Case # XXXX new case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX  has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.
Product: Mortgage

I found out that the home 's insurance premium had not been paid at the end of XXXX 2015 and it was coming due XXXX XXXX. My homeowners insurance agent called me and told me that the premium had NOT been paid and they were going to have to cancel coverage on the home. I IMMEDIATELY called Nationstar and they confirmed that there are escrow payments set aside to pay the homeowners insurance Nationstar promised to send payment right away and assured me that it was an oversight. I assumed that this was taken care of as Nationstar had assured me of. 
My agent called me in XXXX, 2015 and said I was NOT going to have any coverage on my home if it is n't paid soon. What to do? I again called Nationstar who promised that payment was on the way. What kind of lender let 's an insurance premium lapse on a home they 're holding a mortgage on? I called Nationstar again. In fact my agent and I had called a dozen over several weeks. They always assured me payment was coming, like they are playing a game or something. So, XXXX XXXX came and went and my insurance company, XXXX, had dropped my homeowners policy. XXXX had never received the insurance premium payment. So, I am currently without homeowners insurance on a loan that Nationstar is holding the loan for.
Product: Debt collection

XXXX and XXXX are attempting to collect a debt that has exceeded the legal time limit. The debt is an auto loan from XXXX that I cosigned for my ex-husband. The vehicle was surrendered in XXXX. After calling them, a call that was recorded and they have referred to in a previous dispute, their representative told me that they had never seen a debt that old before. After disputing the debt, in retaliation XXXX and XXXX have added late payments to my credit report, in XXXX on a XXXX XXXX XXXX debt that has no late payments. 

Last year I had XXXX XXXX that caused XXXX and I don't have very long to live, and what this company has done to me and my credit report has forced me to stay in a rented home in a bad area that is bleeding what little finances I have dry.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. This account is not accurate. I notified in writing and online Experian that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account is closed and paid in full. It is however reporting payment schedules as inaccurate. All payments were made on time and not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

On XX/XX/XXXX I enetered into an agreement with Point.com for a second mortgage which was supposed to be based on future equity. 
The original loan amount was for XXXX. The loan was based on an appraisal that was for XXXX and I would be able to payoff loan in 10 years or less. 
In XXXX of XXXX I again got appraised for a value of XXXX which I thought would the mean I owed this company 67 % of the difference in the apparaised value plus the original loan meaning I owed them XXXX. 
When I spoke to them they said that the total owed at the time was over XXXX and now to date it is over XXXX. 
I have consulted an attorney and they have looked at this as predatory lending. 
I have discussed with them at length and they do not accept appraisals except for the numbers they use that they say are national averages. 
If this continues they will eventually be able to charge me double the loan amount in % years.
Product: Debt collection

Cedar Business Services is trying to collect money not owed ( This is a collection account ). My credit report states that this acount was opened on XX/XX/2019. I have previously disputed this item with XXXX  and through your website. They reported back to XXXX  that the account was possible fraud, however did not remove it from my credit bureau and continue to report it on my credit. Cedar Business Services is in violation of credit protection laws. I never once received information from them to even dispute this information with their company during the allowable 30 day period. I am currently disputing the item again with XXXX. My next step is to file a lawsuit to get this information removed and have everyone comply with the credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XX/XX/XXXX my credit was pulled for a XXXX auto loan which I fully agreed to. Since this date, there have been 2 additional unauthorized hard inquiries, one on XX/XX/XXXX and another on XX/XX/XXXX. The subsequent hard inquiries were not authorized. I do not understand why 3 separate inquiries were needed since my original application.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX  is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by DOGE because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

Transunion is also a semi government agency that needs to be chopped or massively overhauled by DOGE which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. XXXX XXXX XXXX!!
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. I am disputing the following negative items, which I strongly believe
may be linked to a data breach : XXXX - XXXX - {$XXXX} XXXX  XXXX - XXXX - {$XXXX} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$XXXX} XXXX - XXXX XXXX {$XXXX} XXXX XXXX XXXX - XXXX XXXX {$XXXX} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress.

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. Account details in dispute : * Creditor or Institution Name : XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section XXXX of the FCRA, I have the right to have my credit report accurate and verifiable. Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. * Communication records showing my relationship with this account. * Evidence showing that the account is valid and accurate. If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. Thank you for your attention Sincerely : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX is in violation of my rights, this corporation is reporting transactions on my consumer report. According to 15 U.S.C 1681 2A states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. I have contacted this company to remove this account from my consumer report and they have not fulfilled my request. 15 U.S.C 1681 also states that an account can not be furnished without my written consent. This account is currently on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was placed for collection ( {$19000.00} ) from XXXX XXXX XXXX. 

It's not me, I never rented a house from the creditor XXXX  at XXXX  XXXX ( Rent/Lease ).
Product: Checking or savings account

My parents transferred money from their Edd prepaid card to my Bank of America account, but they said my account did not have their name, so my account was frozen in XX/XX/XXXX. The total amount is XXXX XXXX Then they told me to close the account and the amount was reviewed and returned to me and my parents. I called countless times and did what they said. I got my first check about XXXX $ but the rest XXXX $ is still frozen until now XX/XX/XXXX. In the latest call, they said they were still reviewing but didn't have any information about it. 

I don't know what they're reviewing or why they haven't dealt with it for so long. 
The staff who answered the phone didn't know that and couldn't give me any information like documents or case numbers or when it would be resolved, just let me wait. 

I can understand why they froze my account, but I went to the bank for the first time to prove the identity of myself and my parents, and then did what they said. But I can't stand them freezing my and my parents ' funds for so long now.
Product: Mortgage

i have send a loan modification package to shellpoint on  XXXX   2016 . all requested documents were send to the bank on time i got a response from the lend er 2  weeks ago regarding my loan modification status shellpoint had declined my loan modification because they said i have equity i have ordered an appraisal report from a lisenced appraiser value came out at  XXXX  i also odered a pay off statement from the bank and i owe {$410000.00} i have no equity please help
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law.These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00}XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX/DOFED XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00}XX/XX/XXXXXXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$17000.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX XXXX Balance : {$17000.00} XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}