23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage modification was denied by our servicer Bank of America ( BOA ). We checked with XXXX XXXX XXXX XXXX through XXXX and they confirmed that we are clearly qualified under the HAMP but BOA still denied us. In their denial letter BOA did not even consider the PRA that we requested. In the same letter BOA states that we are approved for Short Sale and they will release their mortgage lien on our property even though they will accept proceeds that are less than the amount we owe. They say that they are willing to accept a lower amount in a short sale but not reduce our principal in order for us to be able to afford and continue to stay in our home. 
Our mortgage is not owned or guaranteed by Fannie Mae or XXXX XXXX. 
We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We obtained our mortgage on or before XXXX XXXX, XXXX. ( Origination date XXXX/XXXX/XXXX ) Our mortgage payment is more than 31 percent of our gross ( pre-tax ) monthly income. ( Current mortgage payment {$1600.00}, our monthly gross income is {$3500.00} ) We owe up to {$720000.00} on our XXXX mortgage. ( We currently owe {$480000.00} ) We have a financial hardship and are delinquent in mortgage payments. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
Our loan was originated by Countrywide Home Loans and then in XXXX it was assigned to XXXX as XXXX for XXXX XXXX CWALT Inc ( certificate Series XXXX ). CWALT is Countrywide Alternative Loan Trust. So no one knows who the real investor/owner of our loan is and BOA is our loan servicer who is refusing to modify our mortgage which may force us to loose our home. Up to date we paid to BOA over {$250000.00} for our {$460000.00} mortgage loan and according to their statements we still owe them {$480000.00}. We also understood that BOA is fully capable of internally modifying mortgages up to 25 percent of net monthly income as well as offering substantial principal reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 the account number on the account doesnt match my account number I reached out to them and they didnt change anything
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN reporting of XXXX XXXX XXXX is a unsubstantiated assertion. 
This is my 6x time requesting removal. EXPERIAN has mastered denying CFPB investigations. Check all prior responses from EXPERIAN. 
XXXX / XXXX / XXXX / XXXX ... 
Attached is exhibit of the account reporting from EXPERIAN report.
Product: Credit card or prepaid card

On XX/XX/2020 I called Care Credit/Synchronicity Bank regarding my Care Credit Account. I am in the process of considering Bankruptcy. My income was drastically lowered due to COVID19 and ultimately I was laid off of my job in XX/XX/2020. My only income is unemployment which is less than my monthly costs of mortgage, insurance, XXXX and taxes. I inquired about negotiating a settlement which would also work on the {$1600.00} in interest and fees that Synchronicity Bank has charged me on borrowing {$2000.00}. I spoke to XXXX who is an Account Manager for Synchronicity Bank. When I stated to him I am trying to negotiate a possible payoff rather than bankruptcy he told me he would check to see if I qualified for a settlement. He then told me that I did not qualify for a settlement. When I asked why he told me he could not tell me.. '' I have to go by what the system is telling me ''. I asked again and he told me he could not tell me why. I was told however that I could pay {$42.00} a month for five years. I can not cover my basic living expenses, not including utilities or food, yet Synchonicity is ensuring they collect on their PREDATORY lending practices. This is shameful and should be criminal how much they are charging and continuing to profit on the demise of working class persons as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my Federal Student Loans with XXXX in XX/XX/2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.
Product: Credit reporting or other personal consumer reports

Dear Rocket Mortgage Upon reviewing my consumer report, I noticed that it inaccurately reflects late payments on the following account : Account Name : ROCKET MORTGAGE Account Number : XXXXXXXX XXXX XXXX XXXX This reporting is incorrect, as I have consistently maintained on-time payments for this account. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of late payments on my report violates this provision by inaccurately representing my payment history. 

Inaccurate information on a consumer report not only misrepresents my creditworthiness but also unfairly harms my ability to access financial opportunities. These errors violate my rights under the FCRA and must be corrected. 

Reasons Why This Reporting is Inaccurate : 1. I have never missed a payment on this account.

2. The creditor has not provided me with any evidence to substantiate these alleged late payments.

3. The erroneous reporting suggests a failure to follow the FCRAs requirement to ensure maximum possible accuracy.
Product: Debt collection

Contact by the debt collector XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was made via USPS on or around XX/XX/XXXX ( letter dated XX/XX/XXXX ). Limited information was provided. It came to my attention that collector had called my mother asking to speak with me. When asked what it was in reference to she was hung up on. I contacted the collector by phone and was asked to verify name, address, and date of birth. I refused to provide date of birth since to my knowledge that was not information that the collector had. Collector told me that without that information she would not speak to me and hung up. My mother was contacted at least 2 other times each time collector was told that I was not a resident at that number. 
On XX/XX/XXXX I wrote a letter asking for many details to verify the debt. This letter was mailed certified on XX/XX/XXXX. I received notice 10 days later that the letter had been received. 
On XX/XX/XXXX I received a response to my letter detailing the debt as lab work ordered by my dr on XX/XX/XXXX and completed by XXXX XXXX XXXX. I knew this to be my very first prenatal visit and that prenatal visits were covered 100 % by my insurance. I contacted my insurance co who informed me that the lab used was out of network at the time ( lab is now closed and filed for bankruptcy and being investigated by feds ) Insurance paid in network costs at the time. I contacted my dr who was in network at the time of service. I was told immediately to file a dispute that many patients had contacted them regarding this lab and debt collector. That it was possible that the lab had conducted tests that were not ordered by the dr . 
I then called the collector to verify filing a dispute. I was told by the collector that since I had contacted them via letter and they had replied that my debt would soon fall out of dispute and that I would be responsible for paying the debt. I mentioned no correspondence with the lab regarding the debt and receiving no correspondence other than a letter from the collector. I mentioned the phone call to my mother to which they denied even having her number. When I insisted again that she had been called more than once, I was told that her number had been removed. I asked why I was never called if they supposedly had my phone number and they told me they had on record that they had called 6 times and are not allowed to leave messages. In my line of work it is not considered contact unless you actually spoken with someone ... 
I feel that this is all very fishy. I do not feel that I legitimately owe the money and feel that further investigation should be completed before being pressed for payment. I also feel that all of the information that I requested was not provided and that communication was not properly handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collector has confirmed that the debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

They gave me a card from XXXX XXXX I signed up for it got approved but I had to pay XXXX and now XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit agains Experian, alleging systemic issues such a failing to forward consumer-provided evidence to furnishers, accepting unreliab responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg 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 crime which antedates the report by more than seven years. 
XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXXXXXX XXXX  XXXX XXXX : ACCOUNT # XXXX XXXX XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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 XXXX XXXX is reporting Inaccurate information on my consumer report to XXXX, XXXX XXXX XXXX. 

XXXX federal is reporting Late payments which is a violation of the FCRA. 15 USC 1666b Timing of Payments- ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the metro XXXX guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent ftc.gov paperwork involving fraudulent activity to Equifax concerning unauthorized/fraudulent inquiries.According to FCRA section 604 By law unauthorized/fraudulent activities must me delete/remove. 

I demand unauthorized/fraudulent inquiries be remove/delete. 


UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX, Account number : 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 602 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 belonged to my ex-boyfriend. I filed a domestic XXXX case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$9000.00} XXXX , XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX Inquiry : XX/XX/2022
Product: Student loan

For the past 10 months I have submitted my application 3 times via mail, fax, and uploading straight to the website for PSLF to both MOHELA and XXXX. Neither website says they have received my loan and the XXXX XXXX number for PSLF and website says they can't find my account. However I am able to login to my account online. I have tried to call multiple times and emailed the website. Each time I call I am on hold for over 2 hours each time and nobody answers the phone. I would like to be able to reach someone and submit my PSLF before the deadline XX/XX/2022.
Product: Student loan

I borrowed less than XXXX thirty years ago, and I have paid in over XXXX over the years. This is more than double what I borrowed and they say I still owe over XXXX and are not eligible for forgiveness eventhough I worked over 10 years for XXXX full time. I did not ask for my federal loan to be assigned to Sallie Mae or Navient. I also did not receive the covid deferment as in the stimulus package and the president 's executive order.
Product: Debt collection

On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " Capital One Retail Services '' and the amount was {$1300.00}. I immediately contacted Capital One and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original Capital One charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.
Product: Student loan

I have been paying loans with Navient for 13 years. My balance has gone roughly from {$20000.00} to {$15000.00}. Periodically, XXXX XXXX sends me a notification that my Navient balance has increased suddenly and quite severely. The last one being over {$1000.00}. I am never late- I've never been in default. I can not seem to get my balance to decrease and finally pay it off. I don't qualify for Student Loan Forgiveness because of the type of loan I have, I think? I want to know why my balance increases sharply periodically and why this loan isn't closer to being paid off.
Product: Credit card

I have Amazon card with Synchrony bank. I paid it off a while back, but they still sending me bills.
Product: Debt collection

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. LVNV FUNDING LLC ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. LVNV FUNDING LLC ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX XXXX  XXXX XXXX  ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX  XXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

In early XX/XX/XXXX, I went to make my car loan payment and noticed that my balance said " XXXX ''. This was not correct and I called Wells Fargo immediately. It was determined that a car dealership had accidently paid off my loan ( when it meant to pay off another loan ) and it would take a week to get the loan reinstated. I said over and over again that I was concerned about two things : accruing any fees and this hurting my credit. I was assured neither of these would happen. 
After about XXXX weeks, my loan was still not reinstated. I called Wells Fargo and they indicated no one from the dealership had returned their phone call. I asked them to please contact the dealership as I wanted to get this issue corrected. I had to continually call over and over again to check on the status. Once the issue was finally corrected ( after about XXXX weeks ), I noticed that I had an additional charge of {$13.00}. I called and inquired about this and the first gentleman I spoke to said " Do n't worry, just make your regular payment and this fee will fall off ''. When I went to make my next month 's payment, the fee was still there. When I called in to inquire, I was told that because my account was " Paid Off '' for a period of time, I had to pay this fee for the accrued interest. 

I was assured over and over again that I would not have to pay any fees and my loan would " return to normal '' once this was fixed. My husband and I did absolutely nothing for this to happen - we were victims of bad luck ( or a bad employee who did n't verify the loan information before they paid it off ). I have spent hours and hours on the phone attempting to resolve this issue. All I am asking for is that the fee of {$13.00} be removed so I can continue to pay my car loan amount that I was paying before this whole mess happened. 

I submitted a complaint through wells fargo 's website and it was handled extremely poorly. I finally received a letter in the mail well over 30 days from the time I submitted it and it mentioned NO WHERE what my actual complaint was. I would like to get this issue corrected and put this whole mess behind. I believe that Wells is dragging their feet on this issue in hopes that I will pay the fee.
Product: Prepaid card

Card is still not working after multiple attempts. This is getting out of hand the issues with using these cards. Purchased {$500.00} card on XX/XX/year> Also, sent in documentation to XXXX from both XXXX and XXXX. Here is email : Please make active or send replacement to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX Sending card, id, and address docs as requested. Please confirm.
Product: Consumer Loan

I have had my loan with Westlake financial for 26 months, however on my credit reports they have only reviewed XXXX payments. This is effecting my ability to get a home loan and also my credit score, a home loan requires atleast 12 months of review to be considered an active line.
Product: Debt collection

Tried getting credit cards and can't due to credit report and what's on it on this lvnv funding is in there and preventing me from living life comfortable I never opened this account and don't know who did
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX, XXXX, XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.