23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I called Experian and asked if they had received my letter regarding unknown items that did n't belong to me at first the representative said no we can not find your file and and we did n't receive anything and that I need to send them a copy of my drivers license and utility bill with social security card. I sent them this information over a month ago and they still never sent any correspondence that they had received it but I am aware that they did because it was sent certified mail and it was tracked when they signed for it. After I told the representative this he transferred me to another person named XXXX from the XXXX team and XXXX would n't give me his last name or supervisors name and he told me that there was no file number for my report. I asked him for the file number so that they wo n't have any issues finding my file if I need to contact them again but he said there was n't XXXX but how can that be if he found my credit report and told me it 's being reviewed. I asked XXXX from the Alpha team to send me a copy of my report because I believe there are items on it that do n't belong to me because of identity theft and at first he said he could n't because it 's under investigation and then I told him I read according to the Fair Credit Reporting Act you must send the consumer a copy of their credit report anytime they have become a victim of identity theft then he said he will send it within XXXX10 business days. If I 'm not mistaken the FCRA says that a credit bureau must respond with 5 days after they have been notified of the identity theft fraud on a consumers credit report they have failed to do so. I am well within my legal parameters to file a civil suit against Experian and name XXXX from the XXXX team in it also. We spoke on XXXX at XXXX The items on my report that are n't mine and came from a direct result of identity theft need to be deleted from Experian. Here they are below. 
XXXX XXXX XXXX,
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  : Account # XXXX, XXXX : account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  : account # XXXX, XXXX : account # XXXX, Dept of Ed/XXXX  : account # XXXX, XXXX : accounts # 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: Credit reporting, credit repair services, or other personal consumer reports

So Im submitting it again hopefully for the last time. XXXX and XXXX been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, SPEC LOAN SV XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

debt is currently listed with Grant Mercantile Agency as of XX/XX/2017 for {$1500.00} on behalf of original creditor XXXX XXXX company. This is NOT my debt and they have nothing tp identify it as my debt. After repeated calls to both collections and original creditor asking for identification as proof of debt-neither company is able to provide that claiming that they do not habe it and do not need it. I have never been sick a day in my life and never used an ambulance or any other medical transportation in my life. This is NOT my account and I am asking that it be closed and removed from all of my credit reports. Next step will be to get attorney and ask for damages. This is not right to be charged for something I have never used. it is NOT my account. Either show me the identification used to obtain this account or remove it from my credit reports please.
Product: Mortgage

I have a mortgage on my primary residence with Suntrust Bank ( now Truist ). I have been making monthly PMI payments since XXXX, and my LTV ratio hit 80 % in XXXX of XXXX. At 80 % LTV I am no longer required to carry PMI, and submitted a request to have the PMI canceled, and any additional charges refunded. I submitted my request in XXXX of XXXX. Since XX/XX/XXXX I have been billed for PMI each and every month. I have called Suntrust repeatedly to address this problem. I have submitted additional written requests to have the PMI payment canceled and refunded. For XXXX the total PMI premiums collected by Suntrust are more than {$500.00}. Every time I speak to someone on the phone, they tell me the problem is being 'researched '. I refinanced my loan in XX/XX/XXXX, and am very concerned that with the original loan being closed, it will now be impossible to get my PMI premiums refunded. Can the CFPB help me get this money refunded?
Product: Checking or savings account

i was scammed by a company called XXXX XXXX tax relief. they took out XXXX a month from me for almost a year. i asked them to stop since numerous times because i felt this was a scam they assured me that it was not. they were taken XXXX out every month that was not even authorized which i have no idea why it was even taken, they never provided any services to help with my tax relief. i would call them and never got a response. i would email them asking what is going on with my tax relief and they would take weeks to months to even get a respone that they would reach out and they never would but would continue taking money from my account. I finally reached out to my bank Chase to have them stop any future payments and I than reported a claim. they have denied my claim saying its invalid claim that it was an authorized. I feel that my bank should at least try to help me get some of my funds back. they gave me a number for the XXXX XXXX  tax relief which was no help to call and try to resolve this with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had already written XXXX letters to Equifax requesting that they update their records with my current address, XXXXXXXX XXXX XXXX XXXX, North Carolina XXXX, and remove any former locations and out-of-date information. I just wanted one address, one employer, and one phone number to be listed on my credit report, yet Equifax has yet to update this information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.
Product: Debt collection

My credit profile has been significantly impacted by a case of identity theft. Certain accounts were opened without my knowledge or permission by someone close to me, whose identity I prefer not to disclose. This has had a negative effect on my credit score, and I am extremely concerned about the implications of this situation. I have reported this case to the Federal Trade Commission ( FTC ) and they have assigned a report number to this identity theft case : XXXX. I am enclosing a copy of the FTC identity theft report for your reference. The unauthorized accounts listed below have caused me significant financial distress : XXXX XXXX  XXXX XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Checking or savings account

Account Number. XXXX Maturity Date. XX/XX/XXXX.

Term. 24 Months I invested {$1000.00} on XX/XX/XXXX because BBVA Compass promised {$27.00} after 2 years. It has been more than 2 years. 

I had to pay the notary public {$15.00}. postage of {$0.00}. 

I want my money back {$1000.00}. I do not want the maturity date altered to XX/XX/XXXX. 

I want BBVA Compass to pay me {$1000.00} right now.
Product: Vehicle loan or lease

HELLO MY NAME IS XXXX XXXX I AM FILING THIS CLAIM BECAUSE I HAVE REVIEWED MY CREDIT REPORT AND I HAVE SEEN AN AUTO LOAN ACCOUNT WITH WELLS FARGO,
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

There was a post on XXXX selling a {$1500.00} car. I messaged the account as it was a friend of my mom 's. They wanted a {$300.00} down-payment. I sent the money on Paypal on XX/XX/2023. Paypal doesn't offer a cancel button when I found out it was a hacked account posting the listing.
Product: Mortgage

I was never made aware of US Case XXXX, but I qualified for this complaint and was a victim of the multiple violations and abusive servicing practices from XXXX - present that are in violation of the Consumer Financial Protection Act of 2010.

I am filing a complaint against Mr Cooper Mortgage Company regarding their handling of my mortgage following a COVID-19-related forbearance and subsequent Chapter XXXX & Chapter XXXX bankruptcy due to job loss in XXXX XXXX. I believe the companys practices may be in violation of the Consumer Financial Protection Act of 2010, as they involve unfair, deceptive, and potentially abusive acts. 

After my COVID forbearance period, mr Cooper added various fees to my account, including escrow shortages on a completed Ch XXXX bankruptcy, inspection fees, PMI that was not removed as required by 12 USC 4902 ( a ) or ( b ), and their attorney fees, none of which were disclosed to me transparently. These charges were applied without my knowledge, leaving me unaware of the growing costs associated with my mortgage. While requesting & pursuing loss mitigation options, I was notified my home was in foreclosure and additional fees were added. 

My information was exposed in their data breaches that occurred XX/XX/XXXX. I have been notified by my credit monitoring company that aa a result, my information is on the XXXX XXXX. Mr Cooper has not offered to resolve this issue. 

When I recently applied for a modification, the terms offered were unreasonable and burdensome. They proposed extending my loan by an additional 18 years, at a higher interest rate and monthly payment than my current terms. This offer contradicts the purpose of a loan modification, which is to provide relief for borrowers in financial distress. Given these terms, I feel pressured to consider filing another Chapter XXXX bankruptcy, which I would like to avoid. I informed Mr Cooper I was out of town ( and got injured ) and that my husband was in XXXX, AL so we would have to review the paperwork. She said it would have to be signed by both of us, notarized, and returned as soon as possible. On XXXX XXXX, XXXX when Mr Cooper called me, I was at the doctors office getting another XXXX. I informed Mr Cooper I had been having medical issues from XX/XX/XXXX - present, which included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She stated Oh, XXXX XXXX call you back later today. Very rude & inconsiderate in my opinionbecause if it was a more severe situation that could have been a tragedy, or I was XXXX  then what?? 

Overall, I believe that these actions may constitute unfair practices under the Consumer Financial Protection Act of 2010. I respectfully request the CFPBs assistance to investigate whether the added fees, lack of disclosure, and unreasonable modification terms comply with federal consumer protection standards, as set forth by the CFPA, and to help ensure fair treatment for borrowers in my situation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX {$54000.00}
Product: Vehicle loan or lease

XX/XX/2018 To Whom It May Concern : Good afternoon! We have an existing loan with Bank of the West. The loan is for an RV. We are having problems with the RV and the factory agreed to exchange it to a new one. The dealership sent in the paperworks on XX/XX/2018. The bank lost the paperworks and was re-submitted on XX/XX/2018. 

The banks deadline for this Exchange of Collateral is on XX/XX/2018. As of today, it is still not done. We have been calling twice a week for an update. Everytime we call, the bank would say its not completed and would send an email to the Collateral Department to expedite. Bank of the West said they received all the paperworks from the dealership Banning RV and the factory XXXX XXXX. 

Please help us to resolve this issue. Thank you very much. 

Sincerely, XXXX and XXXX
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 XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Mortgage

Due to the mishandling ( purely ignoring ) the information ( insurance documentation ) which began a series of events, a house I own is now in foreclosure. I 've tried tirelessly to have the issues addresses which XXXX XXXX XXXX XXXX even the CFPB, and now, the attorneys handling the foreclosure SHD Legal Group PA, XXXX XXXX, FL ) just ignore all correspondence. I 've continually attempted to proactively address issues prior to 'escalation ' but no one seems interested in that, probably just interested in acquiring a home worth over {$200000.00} for a loan amount that should be $ XXXX or less and I 've stated several times I could pay off with cash. 

I provided SHD Legal Group with not just the information that began this entire situation but at that point they also had my best contact information but they have yet to be in contact. Based on the information I assumed they would quickly reverse course and check the facts to reduce the damages I have suffered ( obviously this has hit my credit ) but they have not at all. 

I 'm also here, just like I 've always been, I 'm not running from this but I 'm getting word of the process server harassing/scaring the tenants and now my work which if someone would just ask to meet up, they just need to be in contact, in writing, everything in writing ... The fact is usually work from home and this past week my XXXX year old mom had pretty serious XXXX and it did n't go too well so I 've been at the hospital quite a bit. This is a two way street though, be in touch, I 'll address their issue of where we can meet up and I request information related to why or why not they have refused to be in contact and consider the information sent to them. I have attached a copy of the emails.
Product: Debt collection

I am writing to formally request a copy of the purchase agreement associated with the account Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account.

If you are unable to provide this documentation within 30 days of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. 

Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities
Product: Mortgage

Final payment was made XX/XX/XXXX. They have not updated the account as showing paid off.
Product: Student loan

I have attempted numerous times since BEFORE the pandemic pause ended to get MOHELA to take me out of forbearance, because I want to work toward Public Service Loan Forgiveness. So I have been making requests since about XX/XX/year>. 

I requested via phone and in writing, but they said the Department of Education/Federal Student Aid was responsible for my forbearance status -- and that they ( MOHELA ) had to make a request for me to be removed. So I obliged and waited for this " request '' to go through. I believe this may be because I had filed a Borrowers Defense Against Repayment form. However, regardless of the BDAR form, I wanted to be placed back into repayment under the SAVE Plan -- especially considering my payments under that plan were {$0.00}.

MOHELA said they requested the DoE/Federal Student Aid, but nothing happened. So I would call FSA. Federal Student Aid would say MOHELA is in charge of my loans and my forbearance status. I filed a complaint with the DoE/FSA . Nothing has moved except I did receive one email communication from the Federal Student Aid. However, now I don't see the complaint show up when I log into Federal Student Aid. I have attached a screen shot of the last communication I received from DoE/FSA . It said " they are happy my forbearance status changed, '' but I sincerely have no idea what they are talking about because as far as I can tell, nothing has changed because I have been in forbearance since the pandemic, despite my requests to be taken out of it. My guess is that it simply changed from XXXX type of foreberance status to another, due to the court blocking the SAVE plan. And now the DoE won't count these payments toward PSLF. However, I never received any official communications about this change in the type of forebearance -- I have no real dates listed as when foreberances started or ended to be able to track this myself. 

I also am not completely sure why the DoE/FSA kept passing me back to MOHELA if MOHELA actually had no control over my forbearance status. It feels like a coordinated effort of forbearance steering and keeping me off of the PSLF track and prolonging my ability to achieve forgiveness for as long as possible.

I believe MOHELA also was inappropriately charging me interest on my loans. Especially considering I was supposed to be on the SAVE Plan, in which interest isn't supposed to accrue. Since last XXXX, when repayments restarted, my balance has ballooned by almost {$4000.00} ( during the payment pause, my balance was about $ XXXX. Now it is at nearly {$79000.00}. I have checked my credit report, and the amounts I see do not make sense to me. I attached a screen shot of my credit report, where you'll see the balance increases starting in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is UNAUTHORIZED and i did not approve it to reflect on my credit reports. XX/XX/2022 I sent a letter to Experian and requested 3 TIMES to delete all payment history from all closed accounts. Experian is in clear violation of the law. Under 15 USC 1681b - I, the consumer and natural person, never gave Experian written instructions to furnish my credit report. Under 15 USC 1692 ( a ) - abusive practices. This is an invasion of privacy. Please investigate these matters and remove the disputed items as soon as possible.
Product: Vehicle loan or lease

I called Chrysler capital on XX/XX/XXXX to ask if they had any hardship programs, they told me I was not eligible for any hardship programs but that they can give me a 15 day extension for the XXXX XXXX XXXX XXXX, I gladly took that because Im in need of all the help I can get. On XX/XX/XXXX I called Chrysler capital again to ask if I can get another 15 day extension for this months bill. This time they said I am not eligible for any hardship programs, not even an extension. When I told the lady on the phone that someone did that for me last month, she said that does not show up on my account and I was not granted a 15 day extension when i was told on XX/XX/XXXX that theyll give me a 15 day extension to the XXXX XXXX XXXX. All calls are recorded so they should have that on file now I have a large late fee on my account for {$560.00} and {$28.00} dollars for a service fee totaling roughly {$580.00} dollars. I dont think thats fair being that I was told by one of the Chrysler capital employees that they will extend my payment due date to the XXXX of XXXX