23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX XXXX XXXX due to covid. My XXXX XXXX XXXX is in bankruptcy status within the year. I am requesting acceptance of my application for modification. I am requesting a copy of my mortgage statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I have sent numerous documents over to global lending services in regards to the loan that was never signed by me. I have sent over my police report which includes an identity theft form, from the state police as well as the original loan that I signed for, XXXX XXXX XXXX has continuously failed to properly investigate this matter, they have sent the loan that was not signed by me and this has been a back and fourth matter for months. Each time I call in, I am told that this matter has been closed and resolved when it has not. They stated I never sent a police report or the original loan that I signed which is dated, XXXX XXXX. I have never signed a loan for any other date or any different rates then what I signed for on XXXX XXXX. It has been over XXXX days since XXXX XXXX XXXX has properly investigated this matter.
Product: Credit card or prepaid card

In XXXX, 2020, I purchased a computer at PC Richard using my PC Richard XXXX card. I had nothing but problems with the computer. I was frequently in touch with PC Richard and its agents about the trouble I was having. I tried to return the product to PC Richard and they refused to accept it or issue any credit/refund, etc. I ultimately took the computer to my own repair person who said it was irreparable and belonged in a trash heap. 

I contacted Synchrony Bank, the issuer of the PC Richard Credit card and filed a written dispute. They claim they never received the dispute. I filed another dispute and was told to wait for a response from the merchant. I never received a response from the merchant and was ultimately informed the dispute was NOT resolved in my favor. 


This is an unfair trade practice between a store and the bank who issues their credit cards. They are acting together to sell cheap products and defraud consumers. My dispute was not acted on in good faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Removal of Derogatory Items and Unauthorized Inquiries from My Consumer Report To Whom It May Concern, I am writing to formally demand that Experian immediately remove all derogatory remarks and unauthorized inquiries from my consumer report. I have disputed these inaccuracies on several occasions, provided supporting documentation, and disclosed my status as a victim of trafficking. Despite my efforts, Experian has failed to properly investigate or resolve my disputes in accordance with federal law. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a thorough and timely investigation into any disputed items ( 611 of the FCRA, 15 U.S.C. 1681i ). This obligation includes notifying data furnishers of the dispute, reviewing all relevant information, and correcting or deleting any inaccurate or unverifiable information. Your failure to conduct proper investigations and provide timely results constitutes clear violations of these legal requirements. 

Furthermore, I remind you that the Consumer Financial Protection Bureau ( CFPB ) has recently sued Experian for engaging in sham investigations of consumer disputes. This demonstrates a pattern of non-compliance and disregard for your legal obligations under the FCRA. 

I demand the immediate removal of all derogatory items that I have disputed, as well as any unauthorized inquiries listed on my consumer report dating back to XXXX. These include, but are not limited to, accounts and inquiries that I did not authorize or that were added as a result of identity theft or trafficking. 

Additionally, the FCRA provides for statutory damages of {$1000.00} per violation for willful non-compliance ( 616 of the FCRA, 15 U.S.C. 1681n ). I hereby demand compensation of {$1000.00} for each violation of the FCRA related to your failure to properly investigate and address my disputes. 

If Experian does not correct my report and provide proof of such correction within 30 days of receipt of this letter, I will have no choice but to escalate this matter. This may include filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as pursuing legal action to enforce my rights under the FCRA. 

Please treat this letter as formal notice and govern yourselves accordingly. A copy of this letter and all related documentation is being retained for my records. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Ad Astra Recover Services has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent two certified letters dated XX/XX/2018 and XX/XX/2018 requesting verification that the alleged debt is mine, including any documents bearing my signature agreeing to this alleged debt. Ad Astra Recovery Services. has responded to the letter from XX/XX/2018 with a printout of an itemized document ; however, they have not responded at all to my second letter request for signature validation of alleged debt dated XX/XX/2018 which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature or a second response ; however, they are still reporting inaccurate information and have not reported the account as disputed on my credit reports. I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to get credit and my reputation. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt that this account be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Product: Mortgage

I have a complaint against my mortgage servicer Ocwen Loan Servicing Inc. I have an FHA home loan with them and I got behind on a payment. When I was able to pay past due amount I sent it and they sent it back refusing my payment stating that the amount was insufficient. The amount I owed then started from {$900.00} to what I owe now {$18000.00} and this amount has continued to grow. They have recorded a default on my loan and I feel strongly that they are trying to take my house. The bank will make money on the insurance that is on my loan if they foreclose on my house. They have repeatedly and I believe deliberately stalled on modifications of my home loan. I am seeking assistance from counseling agencies to help me keep my house.
Product: Mortgage

The home in question was to receive repairs due to a storm. 
The Insurence was to pay the claim and the remainder amount upon completion. 
The mortgage company created delays while the home was unlivable creating additional cost. 
Once the contractor signed the required forms abd the owner signed their part the mortgage company took the funds and kept it then did not complete the repairs. 
Once we received notice that the city was to condemn the property due to the initial repairs not completed we kept repeating the request for the initial funds and they refused repeatedly. 
We are at a cross road to which I have had to mortgage another property to save this home from the city completely condemning it by order. This has added considerable expense since due to codes the whole home had to be upgraded. 
Thus added cost for Engineered plans rebuilding the entire home. 
Please help as they left my aunt destitute and homeless with additional storage cost and so much more negative impacting issues. 
The bank intentionally kept the repair money from the insured to force them into homelessness and a position of destitute while agreeing with the insure company for less than the agreed amount to recieving funds without the owner signature. For all payments they received. 
It was their fruditiouse responsibility the complete the repairs abd not burden the city with additional public cost and avoid depreciation of the investment to which they intentionally refused committing harm to life and limb of the owner and clients. 
Signed XXXX XXXX. 
Please correct this injustice as I know it is not just happing to as and as other bank have done to which you addressed and won.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX Billing me for loans I did not take out or authorized. I did not sign or give permission to anyone to sign for me
Product: Mortgage

We were having trouble paying the mortgage before this last time and was kind of forced to sign a contract that doubled the monthly payment and add a balloon payment if we fell behind again. When Covid hit we were behind one month. I called to let Selene Finance know what was going on. I was told to just keep making the payment with the late fees included until we could catch up. So we did that for the next six months until my wife lost her job because of Covid. I called Selene Finance to ask for help they said we would be fine as long we didn't get behind two months and if we did we could just make the double payment and foreclosure wound not start. I lost my job next but my wife started a new job. I called and asked if we could do a modification after I heard that some changes had been made because of Covid. I was told that they were not a bank and that my loan was owned by investors and they only offered certain packages. One being a forbearance plan that would again double my payment. At this point, I started to research Selene and talking to just one person, when she would call me back. I started to ask who the investors were and I never got an answer. Shortly after this on XX/XX/20 I was told that they were going to send me an application for loss mitigation. I started work again and I was not able to communicate with Selene because of my hours but my wife was in contact. She filled out all the paperwork and sent everything in the last thing I heard from the lady was we needed to fill out a couple more things. We never could get back in touch with the lady we were working with. but my wife said she spoke with someone who said they have a special forbearance that came up. It would suspend payments until XX/XX/20 then we would have to pay for six months. It was the same plan and the modification was never spoken of by them again. We were sent another contract to sign and send back. But we have reached out to you first.
Product: Mortgage

Rep for Carringotn mortgage posted sale on door for XX/XX/2020! Asked for covid disaster relief, faxed in XX/XX/2020 and as you can see faxed XX/XX/2020 and XX/XX/XXXX but still foreclosure? Rep said on hold til XX/XX/2020 but a foreclosure for a XXXX XXXX loan! Was on unemployment just started back to work this month, i make XXXX  and hour now but need help!
Product: Vehicle loan or lease

Hello, I bought a XXXX XXXX XXXX from Carvana. I am financing through XXXX XXXX XXXX XXXXXXXX. Carvana was giving my loan draft and even called my credit union to make sure the draft was okay. They told me everything was okay and I picked up the car on XX/XX/XXXX. Now my credit union is telling me the car is overpriced and they won't pay over the 125 % of the loan. Carvana is coming after me for the remainder of the loan which is almost XXXX. I have gone back and forth with both Carvana and XXXX XXXX XXXX XXXX said Carvana would take the XXXX because I have had the car since XX/XX/XXXX and now Carvana sent me an email where my credit union said I must pay the rest
Product: Credit card or prepaid card

The synchrony bank amazon prime store card has been charging interest fees without disclosing the correct payment amount to avoid interest fees. I called today to ask where online or on the invoice to determine that amount. I have been paying on time according to the promotional balance information and have been charged interest fees for a year. During my call, the representative from synchrony confirmed there was no way online or looking at the invoice to determine how much should be paid to avoid interest fees. In my opinion this is done specifically for synchrony to mislead consumers. I asked for them to refund all the interest fees and they said they were only to remove for one month. I would like to see the synchrony to remove all interest fees, and to clearly provide what payment is necessary to avoid interest fees online and within their statements.
Product: Debt collection

Received Collection Letter on XXXX from Capio Partners, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Capio offered to SETTLE XXXX XXXX XXXX medical debt dated XXXX for {$380.00} ( 40 % off original debt of {$630.00} ). 

I immediately accepted the offer and paid the {$380.00} on XXXX via Capio 's online payment system ( {$280.00} via Personal Credit Card and {$100.00} via XXXX Visa Debit card ). 

10 months later on XXXX, I received another letter from Capio about the same debt, attempting to collect the additional {$250.00} ( {$680.00} less {$380.00} ), even though we had mutually agreed that the debt was settled for {$380.00}. 

On XXXX, I mailed a U.S. Postal Service Certified Mail Receipt letter to Capio, explaining that I do not owe this debt and that they must cease collection efforts until they provide written proof of the debt per the FDCPA. I received no such documentation. 

On XXXX, I received another collection letter from Capio, again attempting to collect the same {$250.00} that was settled in XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I use capital one bank My direct deposits are on Thursdays I havent received my deposit. 
I called capital one, waiting time was long but I managed. They hung up on me when I asked what is happening with my direct deposit paycheck and its been XXXX days. I need my paycheck they are holding my money back I also have applied for a credit card with Capital one. Never received the credit card that was supposed to arrive before XX/XX/XXXX. Its XX/XX/XXXX and it still says on the app that it is being processed. What is going on with capital one?
Product: Credit reporting or other personal consumer reports

This complaint has been submitted to the CFPB to formally request, in accordance with FCRA XXXX ( 15 U.S.C. XXXX ), that you, as the Bureau credit reporting agency , remove from my consumer credit report any information stemming from identity theft and fraud within XXXX business days of your receipt of this complaint.
Product: Debt collection

I recently reviewed my credit report and I noticed that you have furnished fraudulent activity on my report. The account Carter-Young XXXX does not belong to me. I have previously requested proof of the alleged debt however you was not able to provide me with any physical evidence bearing my signature on a consumer contract. According to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I demand the immediate removal of this account from my credit profile.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that 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. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an ongoing and unresolved inconsistency in how my payment history has been reported by TransUnion. This issue has been disputed multiple times in the past, yet despite my efforts, no corrective action has been taken. Upon reviewing the accounts ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX ), XXXX has correctly reported the payment history, but TransUnion has reported it incorrectly. This persistent inaccuracy is a direct violation of the maximum possible accuracy requirement under 15 USC 1681e ( b ). It also represents a willful failure to comply with the FCRA, which mandates that all information reported to the credit bureaus must be accurate, complete, and substantiated. Despite having disputed this issue repeatedly, TransUnion has failed to take appropriate action and continues to misreport my payment status. This demonstrates a clear violation of 15 USC 1681n, which addresses willful noncompliance in the reporting of inaccurate information. XXXX refusal to update this information violates my rights under 15 USC 1681i, which requires that a credit bureau correct any disputed inaccuracies after conducting a reasonable investigation. The fact that this error has persisted despite my repeated disputes shows a blatant disregard for my legal rights and an unwillingness to resolve the issue in a timely manner. I demand that TransUnion immediately correct this error by updating my payment status to reflect PAID OR PAYING AS AGREED, as reported accurately by XXXX.
Product: Credit card

I signed off of a card that I was on with my ex girlfriend with Bank of America in XXXX and I never received another bill from them after that. She continued with an account with them making purchases and payments with the monthly bills being sent to her house then she put in for a change of address XXXX other times .I never knew the other XXXX addresses. She passed away in XXXX of XXXX. I was at XXXX XXXX to purchase a new phone XXXX of XXXX and was denied credit due to a negative credit report from Bank of America. I contacted them after receiving a credit report and that is when I found out she was using the card and had put in XXXX change of addresses. I was told from them that only the main card holder can change the mailing address. I did not even know the last XXXX. I requested the signature card with my signature as the main card holder as well as the change of address request with my signature in XX/XX/XXXX and again in XX/XX/XXXX. My attorney requested the same in XXXX and XXXX of same year and I requested the same in XXXX of this year. All they with send is copies of monthly statements. I know they have to provide this information within 30 days of the request. I agreed to pay them $ XXXX month until the issue was resolved but they are not complying with my request so I revoked their right to debit my account until they provide me with what I asked for.
Product: Consumer Loan

I leased a XXXX XXXX XXXX from Ally Auto. At the end of the lease, I opted for the buyout option. At Ally 's direction, I secured financing and sent payment to them for the buyout amount, they deposited the funds. A couple weeks later they called me and advised they made an error and illegally sold me the XXXX as they are not licensed in the State of Florida to sell cars and they would have to reverse the transaction. They sent the funds back to my credit union. Afterwards they instructed me to take the vehicle to a local dealer in Florida. At the dealership, we decided to lease a newer vehicle as opposed to buying the XXXX and turned it in on XXXX XXXX, XXXX. I then received a letter from Ally advising they were charging me {$270.00} for lease extension fees because the vehicle was not turned in prior to XXXX/XXXX/XXXX. I detrimentally relied on the information they gave me concerning the buyout. Had they provided me the correct info from the beginning, I would not have turned the vehicle in late and therefore would not have incurred the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of Fraud/Identity theft. XXXX continue to conspire with these companies who report information that's not accurate. 
These late payments, closed accounts, hard inquires. In accordance with fair credit Reporting act accounts XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681 Section 608/623 as well.

15 USC 1666A : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>. 

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history.

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card . 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX.