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

I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need. 

The Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 608, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section 611, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section 608 to offer consumers a free copy of their file once a year upon request. 

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system. 

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company. 

I appreciate your compassion and your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts. 
Please investigate these accounts as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a new product through Paypal. The product arrived opened and missing pieces. I requested a refund and opened a dispute with Paypal. Paypal alleges emails were sent and not responded to and therefore closed my claim. Within days when the claim appeared closed on my Paypal account, I contacted Paypal again who provided dates that messages were sent by email ; however, after reviewing my inbox and junk folder, I verified that I never received the alleged emails. Paypal then refused to provide copies. 

Although Paypal also maintains its own message center, these alleged emails were not copied to that message center and these communications also do not appear in Paypal 's own resolution center console. 

Obviously I can not respond to communications that are never sent. Paypal violated its own customer agreements and in effect, stole my money.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Experian credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.
Product: Vehicle loan or lease

on XX/XX/2023 i tried to put in another application that a untied auto credit worker " XXXX '' told me to put in because the previously told me to put in because the first application with stated on my file that the contract was returned when they never even approve the first contract because the car dealership sold me a car with the transmission was gone. It wasn't able to drive and I was with my XXXX kids so I go and fill out another application and gets rejected and it got rejected because it says contract return now XXXX told me the underwriting department was going to fix the issue today XX/XX/2023 I speak to a supervisor. Tell him the issue Oh yeah, this is why and we can't fix the issue then while on the phone with a supervisor, they remove what was noted on file stating that contract was returned and then switch it to be O can't verify my income. Now the application was denied from the get-go that a contract was returned. Now they go and remove that note and put some other note up there that wasn't the issue from the beginning so now I can't get a loan at all. Force information was told to me and I would like this issue to be resolved because it's stopping me from getting the car loan they told me they was going to fix it and never fixed it and now they switch the whole cell and put a different note up there which was false information. They wanted income to be verified, but never ask for the proof.
Product: Student loan

I decided to refinance my student loans with Discover to save on some interest as I was getting a lower rate with another service provider. 
My loan was paid off at Discover on XX/XX/2018 and there was an excess payment of more than {$3000.00} on the account. 
One week later, on XX/XX/2018, I contacted Discover to find out about the status of my refund due to the overpayment. 
I talked to the customer service representative and her supervisor and I was told Discover has a right to hold onto the payment for upto 45 days. They are really busy with processing thousands of student loans so they can not verify the payments have been applied to my account accurately. In about 45 days, they will mail out a check which will take another 7-10 business days for me to get my money back. They have a right to hold onto my money ( they gave me an exact amount {$3300.00} ) as they look to verify all closing details. If they have the exact amount of refund owed, that means the payment have been posted already. I never had a late payment on my account and no payments have been missed ever on the student loan. But they still want to ensure that ' no extra unknown charge ' pops up on my account in this timeframe I think it is a really unfair practice that it takes them upto 45 days to post my payments accurately and they have a right to hold onto my money for that long. I am accruing interest on the refinanced loan while Discover decides to hold onto my money for close to two months and not doing their job in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, Experian and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue.
2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE with the fair credit Reporting act First progress, COMENITY BANK, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Mortgage

I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers.   I n   XXXX   XXXX   XXXX  , I re ceived a loan modification from   XXXX   XXXX   XXXX   .    The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate.   I n   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    was now the new servicer and I was making my payments of  XXXX  which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately.   On  XXXX   XXXX ,   XXXX   XXXX   XXXX    started charging me a fee for the city taxes. I disputed the charges with   XXXX   XXXX   XXXX   and the   XXXX   XXXX   XXXX   . I continued to make the required payments of  XXXX .      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   started sending me checks for different amounts. I sent the checks back to   XXXX   XXXX   XXXX   with a letter stating their error in posting my payments in a timely matter. This went on for two years.     On   XXXX   XXXX   XXXX  ,  I received a letter that   GreenTree will now be the new servicer.
Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem  anding that I send a check to bring my loan current.   On     XXXX   XXXX   XXXX  , my loan went into foreclosures status.
I continue making my pay  ments but they were never credited to my home loan.    Greentree held my payme nts form  XXXX  to  XXXX  and the money was never taken from my banking account.    GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current.   I had no communications with the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

JEFFERSON CAPITAL SYSTEMS WERE ERASED FROM MY CREDIT PROFILE FROM XXXX AND XXXX SEVERAL MONTHS AGO BECAUSE OF AN ACCOUNT THAT I DO NOT HAVE WITH THEM. AND THEY NEVER ONCE PLACED ANYTHING ON MY XXXX ACCOUNT NOW ON XXXX OF THIS YEAR THEY JUST PLACED A COLLECTIONS ACCOUNT FOR {$550.00} ON MY XXXX ACCOUNT WHICH IS ILLEGAL AND UNETHICAL. BECAUSE THEY KNEW THAT THEY COUD N'T PROVIDE ANY DOCUMENTATION THAT I HAD ANY ACCOUNTS WITH THEM. I WANT THEM TO IMMEDIATELY DELETE THIS NOW
Product: Mortgage

Truist has repeatedly sent me letters falsely stating that my mortgage is not being paid on time. I pay my mortgage on the XXXX of every month, which is within the grace period. I have been doing this every single month for nearly 13 years and have never once been late. When BB & T owned my mortgage, I never received a single letter like this. Yet, I have started receiving these letters from Truist, which are always dated the XXXX of every month, falsely stating that the bank has not received my mortgage payment. These letters threaten interest and late charges and state that they are an attempt to collect a debt. 

I called Truist about this over the summer ( 2022 ) and informed them of this problem and that I, in fact, have never missed a single payment. They told me it would be fixed, and for a while it was. Then I began receiving these letters again. 

These letters are false, upsetting, annoying, and potentially defamatory ( if they are being published to a third party ). My concern is that Truist is going to either intentionally or unintentionally report this inaccurate information to the credit bureaus, damaging my credit. If this happens I will take aggressive legal action against the bank. 

Truist can easily check my records to see that these letters are falsely accusing me of not paying my mortgage on time. This is, therefore, an easily correctable problem. I want Truist to stop sending me false statements that I am not paying my mortgage and to please update their system to stop sending me these letters. 

Truist needs to stop automatically sending mortgage customers late notices on the last day of the grace period, since a payment can still validly and timely be made on that date. In other words, they need to wait until at least the XXXX of each month to send these. 

I dispute any statement from Truist that I have been late with any of my mortgage payments.
Product: Credit card or prepaid card

Wells Fargo is restricting the number of payments I can make from a non-Wells Fargo account. I've tried reaching out to them multiple times and they just keep stalling. I've tried to pay this account in full MULTIPLE times now but just keep getting the following message. In short, they're attempting to force me into creating a bank account with them just to pay this card which I have zero interest in doing. 

" You have reached the daily or monthly limit for the number of online payments to this account ( s ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment.
Product: Debt collection

I received a letter from American Cordaius International stating that I owe XXXX a {$30.00} debt as of XX/XX/23. I don't have a debt on my XXXX and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from XXXX but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. 

A photo of the letter is attached.
Product: Mortgage

SLS Mortgage is FRADULENTLY charging Consumers false and made up charges and then providing FALSE reports they make up but provide no proof of any payments made on behalf of the properties. 

I made a prior report CFPB Report XXXX and they provided a report THEY, SLS did allegedly in XXXX to PRESERVE any Property and the area and pictures are NOT EVEN my building or property. The pictures they attached of the alleged property they charged a Property Preservation fee which was NOT required in XX/XX/XXXX was NOT EVEN MY PROPERTY, not a single picture is my condo. 

They further alleged they made payments required by City of XXXX which City of XXXX has no record of on my specific property and the City further stated that anytime any agency makes a payment a detailed receipt is provided via confirmation of e-mail and they have tracking or receipt numbers to which SLS refuses to provide and states they have none. 

Spoke to XXXX XXXX the Loan Originator and they do not have ANY RECORD of fees from or for SLS and they claim they DID NOT INSTRUCT or pay or charge SLS neither the {$200.00} in XXXX nor the {$75.00} in XXXX. 

I have contacted a Class action attorney and hopefully with CFPB we can get consumers rights from continually being violated by such deceptive and fraudulent companies like SLS Mortgage Services.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the below-referenced accounts that are currently reported on my credit file. Despite previous attempts to dispute these accounts, the discrepancies and practices observed persist, indicating potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

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 Under the FDCPA and FCRA, consumers are entitled to accurate and fair reporting of their credit information. However, the handling and reporting of these collection accounts have not adhered to the standards set forth by these laws. 

Given the failure to adequately address these issues through the dispute process and the potential violations of consumer protection laws, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will lead me to escalate this matter. I will pursue further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Product: Debt collection

This complaint involves the collector, GRANT & WEBER and their ACCOUNTS, XXXX, AND XXXX appearing on both XXXX and XXXX  credit files of mine, POST-DISPUTE. 
The original creditors that sold these debts to GRANT & WEBER were medical service providers that treated me often under emergency conditions.Because at various points I became XXXX and XXXX XXXX, the providers had a duty to do their required part of EMERGENCY MEDI-CAL so that after sufficient recovery I would be able to meet the XXXX requirements of coverage by completing my part.This was not done by the care providing party whether we were in a hospital environment that had a staff social workers or in a clinic where staff that handle insurance could have made themselves available to handle this paperwork.This provider documentation is an everyday business problem of the original creditors ... .Instead the service provider ( s ) billed me personally without regard for my medical condition and even the ability to care for myself.The characters, Grant & Weber habitually verify or " certify '' in @ 24 hours have no regard for me or this system of complaint.ALL GRANT AND WEBER ACCOUNTS SHOULD BE DELETED IMMEDIATELY FROM MY CREDIT FILES.
Product: Money transfer, virtual currency, or money service

XXXX ( grocery store ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Attempted to use an out of network ATM ( USAA terminal in main lobby ). The transaction proceeded as follows : 1 ) Inserted the ATM card 2 ) Machine asked if I wanted a balance on my receipt ( yes ) 3 ) Input my PIN 4 ) Machine printed a receipt and then asked if wanted something else ( yes ... machine had yet to offer a cash withdrawal ).

5 ) Selected fast cash ( {$40.00} ) 6 ) Machine showed an access fee of {$3.00} 7 ) I selected NO and walked way. 

According to my bank ( XXXX  XXXX XXXX XXXX ) I was billed {$1.00} twice.
Product: Mortgage

My wife and I were separated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX. The original mortgage holder, ( interest only mortgage ) until XX/XX/XXXX, had modified my mortgage by allowing a lower interest rate ( from 6 % to 4 % ) resulting in lowering the monthly payments by {$1000.00} per month. 
XX/XX/XXXX, Capital One took over the mortgage and defaulted the interest rate back to the original high rate ( 6 % ) which increased the payments by $ XXXX/mo. Since my financial conditions had not changed, I asked for reconsideration. On XX/XX/XXXX, after six months of providing various documents and being in constant communication with the Capital One account manager, I was offered a loan modification that was supposed to help me. However, after going through the trial period ( which I paid on time ), I was offered a plan that was approximately $ XXXX/mo more than the ING amount. Naturally, the higher payment could not be met since it was even higher than the defaulted rate I was requesting a reprieve from. I had no choice but to reject the offer. I also continued making the full payments for XX/XX/XXXX and XX/XX/XXXX. However, in XX/XX/XXXX Capital one sent me a notice for foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

account # XXXX XXXX XXXX ( XXXX ) account # XXXX  XXXX XXXX ( XXXX ) account # XXXX XXXX  XXXX ( XXXX ) 15 U.S.C. 1681 section 602 A. States I have the right to privacy and cording to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 card or prepaid card

This card was payed off in XX/XX/XXXX and there were charges made on it inXX/XX/XXXX then the card was defaulted on in XX/XX/XXXX these are fradulent and I wasn't aware of them till recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

After changing to a commissioned based job from salary, I fell behind in this payment. The new company was the right choice as now I earn 3 times the income however, it cost me some missed payments. When I began to earn a better living I was able to catch up on missed payments. I called and explained my situation with a customer service representative and I was told they understood and were willing to help me remove my 4 missed payments if I brought the account current. I  was not quite ready financially but I thought it was generous terms and worth forgoing other financial responsibilities to get caught up so I paid it up to date. Unfortunately, the reported missed payments were never removed and when I call they claim they never agreed to such terms.
Product: Checking or savings account

Fraud charges made on my debit card linked to my checking account. I reported it right away to my bank. My bank stated there was insufficient evidence to prove the transactions were fraud. They were international transactions that I did not make. Charges were : XX/XX/23 {$1000.00} merchant : XXXX XX/XX/23 XXXX merchant : XXXX XX/XX/23 {$530.00} merhcant : XXXX I was unable to reach these merchant because the transaction statements had no number or website connected to them. 
I called my bank numerous times for the credit refunded. They stated to wait 10 days. Nothing happened. I called again and was told over the phone my dispute had insufficient evidence. I wrote an appeal letter and also emailed an appeal.