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

Prosper said that one use there pre- approval form to see if they will be approved for a loan or not before they apply for a loan. I did the application online and was pre-approved {$28000.00}. To make sure that this was correct I called in and spoke with an agent and re do the application over the phone. She once again told me that I was pre- approved for {$28000.00}. I even got an email from the agent stating that the funds would be deposited in my account within 1 to 4 days. I then checked my email and I saw an email from prosper stating that they were no longer going to give me the loan because they were unable to verify me. This sounds like rubbish to me. They pre- approved and then sent me a letter stating that they were not able to verify me so they cant give me the loan. I proceed with the hard pull on my credit report based on the fact that Proper 's agent said that the I was pre- approved for the loan. There is now a hard inquiry on my XXXX credit report from Prosper and I want it removed immediately as Prosper lied to me that I was approved for the loan and then cancel the loan application after the agent t said every thing was good. 
I never would have proceed with the loan application if the prosper agent never said that I was pre- approved for the loan. Kindly remove prosper hard inquiry from my credit report immediately.
Product: Mortgage

I submitted a complaint to the CFPB on XX/XX/XXXX ( complaint # : XXXX ). This is a follow up because the CFPB closed my complaint based on my original servicer 's response. 

The servicing for my home loan was transferred from The Money Source to XXXX XXXX effective XX/XX/XXXX. I am trying to get a 1098 form for XXXX from The Money Source and they appear to have shut down and are not providing any tax documents. I called The Money Source at their number ( XXXX XXXX XXXX ) repeatedly to request the 1098 form. They do not answer the phone with a live person no matter how far you go into their menus. I used to be able to log in to their website ( XXXX ) but the website doesn't appear to be inexistence anymore. 

TMS responded to the CFPB. TMS thinks that the new servicer, XXXX XXXX, issued a consolidated 1098 tax form that included the interest payment made to TMS in XX/XX/XXXX. This is incorrect. The 1098 issued by XXXX does not include the interest payment for XXXX and explicitly states that it includes payments from XXXX through XXXX. I will attach the 1098 forms for XXXX and XXXX in case the people involved don't have computers. 

The TMS response tells the CFPB to tell me to call the new servicer ( JMJ ) to resolve this issue. Sorry, it is the servicer 's responsibility to provide tax information to the borrower. 

A cynical person would think that the CFPB is ignoring this issue because it means higher tax revenues to the Federal Government. Why do we have the CFPB if you aren't going to look at - and resolve - real issues with financial lenders?
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX - XXXX Credit Bureau ( s ) Involved : -Credit Bureau ( s ) : Equifax XXXX XXXX, XXXX I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : 2. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX with account number XXXX is inaccurately reported a open account on my Equifax and XXXX report, then reporting as collection / Chargeoff account on XXXX XXXX Date open shows XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax and XXXX Charge off accounts can't report a balance or past due amount Payment status is inconsistent XXXX and XXXX states Charge off and Equifax states 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to Equifax XXXX XXXX XXXX and XXXX on XX/XX/XXXX. 

- XXXX, Equifax and XXXX have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.
Product: Mortgage

My mortgage was sold to a new company, I was notified via a letter dated XX/XX/2018. In the letter it stated in order to set up electronic payments, as I was currently making to my old mortgage company " XXXX XXXX XXXX '' as I had since the loans inception, the new company CMS ( Carrington Mortgage Services ) states it would cost a {$5.00} fee unless prohibited by law. I called the CMS customer service number on Friday XX/XX/18 and explained that I could not access my account using their provided loan number. They explained the account was not fully set up and I would have a 60 day grace period whereas there would be no late fees charged. I then explained I had never had to pay any charges to pay electronically and this option was needed for me since I travel for work and need the ability to pay this way. They said there were other methods available and I could use them instead of paying what they call a convenience fee of {$5.00}. Other options : I could pay a {$10.00} fee and use XXXX XXXX or I could purchase stamps and mail payments when able to ( I'm not always near a post office ). Another option ( which is free ) is I could set up automatic withdrawals from my bank account. I am not comfortable with this method. 
As I see it, if an existing loan was sold, it should be sold with the same conditions that exist with the old loan. The customer should not have to pay additional fees for features that were already there. As far as convenience goes, it is more work for the bank to open a letter and then input the information in a computer than it would be if I paid electronically, the information would already be in the computer system. 
Another problem is CMS wants to increase my payments so they can have a larger escrow balance. Why? 
In conclusion what I'm looking for is the same terms that were in place with the old mortgage company. Please help. Is this legal and what are my options?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked on XXXX XXXX, 2017 due to not having proper security on their website which has the personal info of millions of people. Apart from that, they set up a website in order to check if your information was compromised and have the nerve to tell you to sign up for their premium services. Such services will disqualify you from seeking any type of compensation for this colossal mistake on their part. They mishandled sensitive information and now want customers to sign up for an extra service, even if the first year is free, it 's insulting.
Product: Credit reporting or other personal consumer reports

Avant reported my card late in XX/XX/year> due to their error .. they finally agreed to fix it and remove late reporting! yet it now again shows as late on my XXXX remove late reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry showing on my credit report from comenitycapitalXXXX I already contacted the lender and no accounts are open and or pending to be open with them. I have never open an account with this lender before and never did this inquiry to open an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to dispute this account with XXXX and Southwest Credit. I have never lived at service address and have never requested service there. This is a cable bill that i did not authorize. Dispute confirmation # XXXX.
Product: Debt collection

I checked my credit report and seen Wakefield And Associates on my report. I called and tried to resolve the issue and no one had gotten back to me. I have had a medical card since birth. My medical bill 's are covered with that yet this company is saying i owe. I would like help to get this off of my credit. 

The information is : Date. XXXX XXXX2018 Amount. {$120.00} There are also 2 other companies as well saying I owe medical bills although i called my insurance and they say i am fully covered. The information follows : XXXX XXXX XXXX Date. XX/XX//18 {$1100.00} XXXX XXXX XXXX Date. XXXX/XXXX/18 {$790.00}
Product: Prepaid card

I was sent a vanilla gift card on XX/XX/XXXX. Upon receipt, I activated the gift card, and it was authorized for {$100.00}. I proceeded to use the gift card, and it declined. I contacted customer service ( XXXX ), and they said the card was authorized and could be used. I tried numerous times, at several different merchants, and the card continued to decline. I contacted customer service again, and was told that they would reissue the card. I received the reissued card, activated it, and had the same issues. I contacted customer service again, and they said to give the card XXXX hours before using it again. I did that, and it continued to decline. I contacted them again on XX/XX/XXXX and requested that they open a case for a refund. I was told that it would take XXXX weeks for the refund to be issued. I contacted them again on XX/XX/XXXX, to inquire about my case, and was told a check was issued. I contacted them again on XX/XX/XXXX and was told that my case would be escalated so that a refund could be issued ( yes, this is AFTER they had already told me they had issued and mailed my refund. ). I have tried repeatedly to get this situation remedied with no success.
Product: Debt collection

Bank of America is constant sending me email and text msgs about a few closed accounts. 

With this I request Bank of America to stop with the day in day out harassments and accept my settlement offer...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX XXXX XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in XXXX and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have XXXX days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX  days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and XXXX  per violation.
Product: Debt collection

XXXX XXXX and their collection agency XXXX have claimed that I owe them {$340.00}. I have never had service with XXXX, I have never lived in an area that XXXX has provided a service, and I have never received a bill from them. They have negatively affected my credit and have refused to remove a derogatory entry on my credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

At chase XXXX XXXX today I spoke to XXXX and she confirmed this is fraud. she indicated that XXXX XXXX has the case but she has always had the case and this is a big fraud cover up from within. please provide the updated information revolving around loan XXXX to the CFPB.
Product: Credit card or prepaid card

I was charged {$740.00} on X/XX/17 by XXXX XXXX for a reservation that was not authorized by me. I was the passenger for the reservation, but the purchase was made and authorized by a 3rd party, using the 3rd party 's credit card information. XXXX did not credit my charge card after I disputed it with Chase ( credit card company ) stating that becuase I used the ticket and my phone # and email address were associated with the reservation that I must have authroized the purchase to my credit card. That is NOT the case. The 3rd party provided their credit card information ( including billing address ) via phone for the reservation and mistakenly I WAS BILLED. I can not reach the 3rd party at this time, but that is not relevant. XXXX XXXX provided documentation to Chase in response to my dispute showing the WRONG BILLING ADDRESS in the transaction, so therefore I did not authorize the charge, since the billing address associated with the charge is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I received a notification from my credit monitoring app indicating the closure of a credit card account due to my low credit score. Upon reviewing my credit report, I discovered a substantial drop in my credit score and an unfamiliar account in collections. The collection agency involved is WAKEFIELD AND ASSOCIATES, INC, acting on behalf of XXXX XXXX XXXX XXXX. WAKEFIELD AND ASSOCIATES XXXX INC was assigned the account on XX/XX/XXXX, and the Date of First Delinquency is XX/XX/XXXX. 

Despite making several attempts to reach out to XXXX XXXXXXXX XXXX XXXX, I have not received any response. At the time of the alleged incident and currently, I possess health insurance to cover any emergency care expenses. I have no recollection of receiving a bill from XXXX XXXX XXXX XXXX, nor do I recall receiving treatment at an emergency room affiliated with them. Even if I had used their services, my insurance would have covered all relevant expenses. 

To address this issue, I sought legal advice and had a letter requesting debt verification drafted by my attorney. This letter was mailed on XX/XX/XXXX. Unfortunately, I have not received any communication from either XXXX XXXXXXXX XXXX XXXX  or WAKEFIELD AND ASSOCIATES, INC, despite more than 30 days elapsing since the letter was mailed. However, my credit reports now indicate that the debt is in dispute and meets FCRA requirements, indicating that the letter was received.
Product: Student loan

Transferred to MOHELA from XXXX. Payment listed are incorrect and have not been able to get correction via phone or email. Transition to SAVE was not performed despite recertification attempts. payment due listed on FSA differs from payment listed on MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis about 3 bankruptcies showing on my Lexis Nexis file. I inquired about the information they are reflecting and they responded that they was unable to verify the bankruptcies and they would remove it from my report. They have failed to remove the bankruptcies from my report and in which has delayed the removal of the items from the bureaus.
Product: Debt collection

Receivables Performance Management is a 'supposed ' collection agency that has put an account on my XXXX credit report which is NOT MINE. I disputed this a year ago, XXXX 2014, through XXXX and it was removed from my account. 

Well, when I went this week to get a Home Equity Loan ( 100 % equity in my home and XXXX credit score with XXXX ) I was denied because of a {$83.00} 'collection ' for XXXX XXXX that Receivables Performance Management put BACK on my credit report in XXXX 2014. 

When I called XXXX and AGAIN disputed this I was told about them putting it 'back ' in XXXX 2014, and I was given the name and number for Receivables Performance Management, XXXX. I called the number numerous times and it rings and rings and then you get what sounds like an 'answer ', but it goes SILENT, no person, no voicemail, nada, zero. 

So, I got online and found ANOTHER NUMBER for them and this number just goes to a voicemail for a XXXX '. After reviewing the numerous complaints online I found that XXXX ' NEVER RETURNS CALLS. This is a total SCAM COMPANY. 

Their address is listed as follows : Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX. 

I know that you have had MANY complaints filed about this company, please, please DO SOMETHING TO STOP THEM as they are ruining people 's lives, myself included. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, stipulates the necessity of removing any inaccurate accounts from my credit report. Could you verify the documents? Some of the accounts listed have inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Debt collection

Ncb Management Services I paid this collection after agreeing on the phone with the agent that they would delete this account from all credit agencies. I've contacted them many times since then, and all they send me is a receipt for the account that I agreed to pay on in the event they would update my credit report/delete the account. 

I was told that within 30 days of payment my credit file would be updated and the account removed from each reporting agency, this has not been done.
Product: Debt collection

I have been trying to fix my credit, I sent out multiple letters to XXXX but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.