23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in forbearance for a while and during that time I signed up for the HAF program. Right before my last moth in forbearance I was given 3 options for the past due amount. The option I selected was the Partial claim to move the amount to the back of the loan ( At the time I didn't know it was a HUD program ). 

Almost a week later I find out I was approved for the HAF program and I quickly contacted my mortgage company SWBC about it. Since the beginning of the forbearance my calls get directed to the collections department and they aren't the most helpful crew. During that and ever call I made or they made to me this point was raised. At no time was I advised that this program would need the lumpsum payment made to HUD and not them. 

Towards the end of XXXX the XXXXAF program sent them a lumpsum and the first months payment. SWBC just sent both the payments back to the HAF program. They stated because of the partial claim I now show no payment due. I asked them why was it not to the loan? They had no answer for that.

I'm now having to go back and forth with 3 different companies ( SWBC, HUD and HAF ) and I feel like there's nothing happening to correct this. I'm now officially late on my mortgage they are going to put this on my credit and no hope in site.

My family and I need help and feel like this situation has just made it worse for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receive a responds stating my dispute was verified. I requested a Method of Verification and it was not provided. I have proof from the courts that they don't provide any proof to credit agencies and they informed me although it's public records the courts do not report to any agencies. I was informed by a representative that your agency do receive files from a 3rd party vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Checking or savings account

I placed an order for a handful of items for my XXXX dinner online from my home in XXXX IL to the XXXX in XXXX IL to pickup!! Not knowing they use XXXX whom I have never and will never use as they are a bunch of crooks it is all over the internet!! They took the order then at the end after I paid using my debit card I noticed they had the wrong pickup location, it said XXXX IL which is up by XXXX IL about XXXX or XXXX hours north of me!!! I then tried to chat with the picker and gave them all of the information and told them of the error and told them to stop and not pick it or to contact the XXXX IL store to pick it as I am in XXXX and they ignored the chat and completed the order and set up a pickup time! I contacted XXXX corporate and they sent me back to XXXX who I had already contacted where some XXXX girl would not listen or help and refused to cancel and refund my {$19.00} for the groceries I never received which is FRAUD!!! I asked for a manager and she would not let me talk to him then said he would tell me the same! I told her I would call corporate and she said they would tell me the same and that I would just have to cancel and wait XXXX stays for my money but she never cancelled it!! I then filed a dispute with my bank US Bank in XXXX IL and took in all attached documents and complaint form they gave me after they applied the provisional credit and now they are denying me and taking it back claiming I received the products I never received as they were delivered to XXXX IL XXXX hours north of me!!!! I want this complaint sent to the FTC and bank regulators and I am sending a copy to XXXXXXXX XXXX office too!! The FRAUD is going to stop!!! These businesses, third party processors and banks are working in cohoots and committing theft and fraud!! I also want you to send me a list of banks that will accept my XXXX checks that are honest near me so I can leave this crooked bank!!
Product: Credit card

I am writing to request a rebate of the late charges I paid over the XXXX month billing period ended XXXX/XXXX/15 and the 48 % increase in interest charges during this period when my interest rate was increased from 14.24 % to 27.24 %. This caused me to be charged approximately an extra {$1000.00} in interest. The late fee charges were {$110.00}. 
I was told by both XXXX XXXX and American Express in many telephone calls to wait until after the XXXX payment plan was approved before requesting abatement of these onerous charges. In a call to American Express on XXXX/XXXX/15, I was told that they no longer handle my account and referred me to XXXX XXXX. In a call to XXXX XXXX, I was told that AE had to handle this request. XXXX internally transferred the call to AE but I got the same previous automated response. I then wrote a letter dated XXXX/XXXX/15 to AE outlining essentially what I am reporting in this complaint and got no response. 
I believe I am due abatement consideration fro the following reasons : - It took AE XXXX months to approve my payment plan with XXXX XXXX when all the other cards approved the plan in 5 business days or less- an unreasonable delay and one XXXX said was unusual. 
-During the XXXX months XXXX XXXX made payments to AE on my behalf that were actually in excess of the plan AE ultimately approved ( {$580.00} vs. {$650.00} paid ). 
-I maintained telephone contact with AE during the process ; informing AE that XXXX month 's payment would be late because of my requirement to prepay XXXX. I could not afford to double pay during this transition period. 
- The increase in interest charges is astounding and I would consider userousI believe I should be refunded the excess interest and the late fees.
Product: Payday loan, title loan, personal loan, or advance loan

Lending Point Loan opened XX/XX/XXXX in the amount of {$2800.00} ( Loan XXXX XXXX XXXX ). 
This loan was paid off XX/XX/XXXX. However lending point never reported paid off balance to credit bureaus. 
When I saw this I called on XXXX I was told that " there was a glitch where all the paid off loans were not reported ''. 
I spoke to a supervisor by the name of XXXX and she gave me a case review # - XXXX. She said that I will receive an email about the correction however I never did. 
I will like help on why this company did not accurately report to credit bureau for six months. Thank you Lending point Tel # - XXXX XXXX XXXX XXXX
Product: Credit reporting

I had a credit report of XXXX obtained a copy of your EXPERIAN Credit Report. I have not applied for any credit cards. I am concerned about a fraud attempt to open a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The info about the XXXX XXXX XXXX that supposedly went into default in XXXX is incorrect. The date of first delinquency of that loan is XXXX, There was no payments made for over a year prior to the next enrollment in school. This is going to be a court battle if you do not accurately reflect this account with the first delinquency being the actual first delinquency. Your records are wrong. This loan should have been removed long ago but at the latest by XX/XX/XXXX. Your payment history and delinquency dates are incorrect. I am asking you for the final time before I take legal action to report this loan accurately. I have the numerous investigations done by Transunion which show that this was to be removed XX/XX/XXXX when I asked Transunion when they would remove it since the date was approaching, they resubmitted a request for information to you, where you provided information that was inaccurate ; pushing the removal date from XXXX to XXXX which is incorrect based on 1st delinquency - The previous investigation and records you provided to transunion was that this loan would be removed by XXXX All other reporting agencies have taken care of this account.
Product: Debt collection

I received 2 separate medical bills totaling {$18000.00} in XXXX, XXXX. The bills were from XXXX in which I had medical insurance. After numerous complaints they sent me two separate letters saying that the bills and my account is no longer active and we are instructing the credit bureaus to remove the account off my file. First of all the charges were bogus. My credit used to be XXXX, now it is XXXX. How do I get this fixed? I have the two letters but my credit score is messed up as well as my wifes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inaccuracies on my report. LexisNexis continues to tell me that the insurance carrier, XXXX, has 'verified these as accurate ' however, the information is wrong and has been edited to reflect my information, after the claims were disputed, even though these claims are not mine. They are either fraudulent, or more so, I believe LexisNexis and XXXX are confusing my information with someone else 's.
Product: Vehicle loan or lease

On  XXXX , I purchased a   XXXX    XXXX   XXXX  with  XXXX  miles on it with a rebuilt title. I disclosed to USAA that it was rebuilt title. The only reason I bought the vehicle was because they also sold me a  XXXX  mile warranty for the vehicle. I would not have bought the vehicle otherwise.   on  XXXX , I brought it to the dealership there was a sensor that needed to be replaced and should have been covered underneath my warranty. I was told it was not,  XXXX  who owned the warranty said they do not cover rebuilt titles and refunded me the cost of my warranty.   USAA stated they would give their phone associate remedial training, but I am now stuck with a vehicle I do not want because I have no warranty on it. I would not have bought the car if I could not get the  XXXX  mile warranty.
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 these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Exquifax has the wrong Credit Score at XXXX and my Credit Score should by XXXX. XXXX  and Exquifax ate Discriminating against me because I am XXXX XXXX. I want a full investigation into XXXX  and XXXX because they both are Quity of XXXX Discrination. I want XXXX  and Exquifax to correct my Credit Score to XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to formally request the removal of this negative information 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on my credit report. I believe that these entries do not accurately reflect my financial behavior or current standing. I have made every effort to resolve any issue and have acted in good faith to improve my creditworthiness. Since XXXX my identity was compromised and as of the last 2 or 3 years if not more, more accounts have been appearing on my credit profit that I am not in control of. In light of my consistent efforts to maintain financial responsibility. I kindly request that you review my case and ensure that my credit report is a true and fair representation of my financial story. Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally looked into my credit and saw a collections from Enhanced recovery co L Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Debt collection

Received a letter from " Credit Control LLC '' with a business address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The letter stated that the current creditor is " XXXX XXXX XXXX ''. The letter stated the original creditor was " XXXX XXXX XXXX XXXX '' for the amount of {$1900.00}. I do not have any recollection of a purchase for that amount or from that company. 

I XXXX searched XXXX XXXX & Credit Control LLC and it had hundreds of reviews stating it is a scam. To confirm, I called XXXX XXXX XXXX XXXX requesting information on the purchase as it was not something I recognized. XXXX XXXX XXXX XXXX looked through their data bases- they confirmed there was nothing with my name, XXXX XXXX XXXX, email or phone number associated with any purchases at their store ( XXXX ). However, my credit karma account is showing XXXX as a delinquent account opened on XX/XX/year>. I would like to get this dropped from my credit.
Product: Credit reporting or other personal consumer reports

This was the letter I sent the FTC... 

I am writing to file a formal complaint against all three major credit bureausXXXX XXXX, and XXXXregarding discrepancies in my credit report and the ongoing reflection of a poor credit history, which has severely impacted my financial well-being. 

My personal information, including my Social Security number, has been compromised in the past, leading to fraudulent activity and erroneous entries on my credit report. Despite repeated attempts to rectify these inaccuracies, the credit bureaus have failed to address the issues effectively, resulting in continued harm to my creditworthiness and financial standing. 

The discrepancies in my credit report have led to unjust denials of credit applications, making it increasingly difficult for me to access necessary financial resources for basic living expenses. This situation is unacceptable and has caused significant distress and hardship for me over the years. 

I urge the Federal Trade Commission to intervene in this matter and take appropriate action against the credit bureaus for their negligent handling of my personal information and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The FCRA mandates that consumer reporting agencies, such as XXXX, XXXX, and XXXX, maintain accurate and up-to-date information in consumers ' credit reports, which clearly has not been the case in my situation. 

Furthermore, I believe that the credit bureaus ' disregard for my previous claims and their continued inclusion of inaccurate information in my credit report constitute a violation of Section 611 of the FCRA, which requires them to conduct a reasonable investigation upon receiving a dispute from a consumer. 

I find it unethical and unprofessional for these companies to neglect their duty to ensure the accuracy of consumers ' credit reports, especially considering the significant impact that such inaccuracies can have on individuals ' financial lives. 

I request that the Federal Trade Commission thoroughly investigate my complaint and take decisive action to compel the credit bureaus to correct the errors in my credit report, cease any further dissemination of inaccurate information, and implement measures to prevent similar issues from occurring in the future. 

I believe that the credit bureaus ' conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : * Failure to maintain accurate credit information ( FCRA 623 ( a ) ( 1 ) ( A ) ) * Failure to conduct a reasonable investigation of disputed information ( FCRA 611 ( a ) ( 1 ) ( A ) ) * Failure to correct or delete inaccurate information ( FCRA 611 ( a ) ( 1 ) ( B ) ) * Failure to provide a complete and accurate disclosure of consumer rights ( FCRA 609 ) Thank you for your attention to this matter. I look forward to your prompt response and resolution of the issues outlined above. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing these items thats on my credit profile for the last year. Some how my father accounts are reporting to my profile. Hes XXXX XXXX XXXX and im XXXX XXXX the XXXX. The accounts listed below do not belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1st conversation, XX/XX/XXXX, XXXX received a message from XXXX XXXX. Called number XXXX. Spoke with a person. He told me the purpose to collect a debt from a Check & Go pay day loan account opened on XX/XX/XXXX. Account was closed on XX/XX/XXXX. The amount borrowed was {$500.00}. Due to interest, I now owed {$1400.00}. Tried to get me to settle. Told the person I did not open an account with XXXX XXXX XXXX for {$500.00} - he knew the last 4 of my social, my address, continued to tell me letters had been mailed ( which I never received ). Told him I wanted to dispute the debt as I am fastidious about my credit and this was not on my credit report, and that I had been monitoring my credit heavily since XXXX. He was not happy however he complied. 

2nd conversation,. XX/XX/XXXX, XXXX Received a Robocall XXXX from XXXX, this time claiming to be XXXX XXXX XXXX and my ref number was XXXX. To discuss the matter, I should call XXXX, When I called, the woman who answered, XXXX XXXX, if that is her name, did not state the company name. I explained I was responding to a XXXX and before I could finish, she asked me the phone number associated with the account, which I gave to her. She proceeded to tell me, very forcefully, that I was in violation of not paying a debt with Check & GO ( proceeded to list all their company names ), made by me with XXXX XXXX, formerly of my previous address, now at my new address ( she had all the details ) and how when I got the loan, I did make a few payments but stopped and now I owed a ridiculous amount. That I had paid my loan down to {$750.00} but I declined a settlement on the previous call. Told me that XXXX letters had been mailed- which I've not received - and that it was up to ME to pay my debts, not the debt collector to keep up with payments. Tried to tell her I checked with XXXX XXXXXXXX XXXX, she interrupted me and continued to say that XXXX had signed off, she had an affidavit and that I would be served. I could not get a word in, she kept interrupting me, when I would try to speak, she would yell over me and finally I asked if this conversation was being recorded. She said, yes and it will be played back in front of the judge in XXXX XXXX court. I said, good then he/she will be able to hear how unhelpful you are ... and then I hung up. She then called me back from another phone line - XXXX - and told me that I would be served papers and my wages garnished on my voicemail. All of the numbers used by this company appear as XXXX XXXX XXXX  ' when I do a XXXX search. The last number used with a XXXX area code, does not come up with any information, including public business information.This person was rude, threatening, and used bully tactics to try and convince me to pay a debt that is not mine. I have checked again my credit report and I have XXXX record regarding XXXX, XXXX XXXX Check & Go.
Product: Credit reporting or other personal consumer reports

I spoke to TransUnion on yesterday and today. Yesterday the young lady said that the Bankruptcy was removed from my report. Today I look and it is still on there. So I called again and this time another person told me that it will stay on there for 10 years. First of all they are reporting that I filed bankruptcy last month which is totally incorrect. Transunuion is the only company reporting this. I asked that they remove it f on my file and they have yet to do it.