23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company XXXX XXXX no longer opens as XXXX instead https : XXXX, looks like a scam, no one seams to be aware that perhaps XXXX  no longer exists, I WANT TO MAKE MY payment on time and NO ONE is aware of this, yet when I manage to contact them XXXX they ask for my loan #, I gave it to them and they kept saying NO you do not have a loan with us, and next they ask for my SS. to that I did not accept, again it is a mess this looks like 2008 again and they purposely transfer you to the automated system, if you say the wrong thing this will place you on hold, yet if you want to buy or you pretend to be a buyer the answer is immediate, and the loop starts again .... 
On XX/XX/XXXX at XXXX I have tried again and again and no one knows what the XXXX is happening .... great XXXX XXXX Supervisor `` believed that the loan was purchased '', ... " we buy thousands and thousands of loan / portafolios '' stated the previous rep, Mr. XXXX stated that transferred to another " live licensed rep '' at the end of the call " sorry the representatives are gone for the day. ", Gentlemen, this really XXXX  looks like 2008 again, this is destroying AMERICA and is happening during you watch, I hope someone does something about it, I can not imaging man and woman in uniform dealing with all this red tape, when instead of returning to his families they have to spend days trying to " PAY ON TIME THEIR MORGAGES ''. but you can always call Mr. COOPER .... right? sorry I forgot since is so big SO BIG you can do nothing about it. 
Sad ..
Product: Debt collection

On XX/XX/year>, an account with LVNV Funding LLC was opened, with an outstanding balance of {$440.00}. The account has been reported as open and was placed for collection. I am disputing the account information, as I did not have a direct business relationship with LVNV Funding LLC, and they are not the original creditor. 

The charges have been inaccurately reported, and I believe the information is incorrect. I am requesting clarification and documentation to verify the validity of the account and charges. 

This issue has caused discrepancies in my credit report, and I am seeking resolution and correction of the information reported by LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

I have submitted several dispute letters during the months of XXXX, XXXX, and XXXX requesting detailed information and contracts pertaining to the debt in question. To date, I have not received any evidence demonstrating that I am responsible for this debt. As a result, my credit score has suffered, leading to significant financial distress and hardship. I kindly request the immediate removal of this debt.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to remove an unauthorized hard inquiry that was pulled by XXXX XXXX on XXXX XXXX, i was told by an Equifax respresentive in order for them to remove this inquiry i will need supporting documents, XXXX XXXX has contacted Equifax to remove this inquiry and i am submitting supporting documentations supporting the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted XXXX, Equifax, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to XXXX, Equifax, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, Experian reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has experian communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding my credit report. Despite multiple disputes submitted to your bureau, I have only received stall letters without any substantial verification of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX account number XXXX. ( Please see page 2 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX, however Transunion has not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

I had a XXXX and the XXXX XXXX representative sold me an online advertising renewal on XXXX XXXX, 2013. She also had me sign an annual renewal on our print advertising that was NOT due to renew for 6 months, but she found it convenient to go ahead and have me sign both at the same time. Please see Attachment pages XXXX, in which I signed in XXXX for the contract which should have been signed in XXXX ( for print ads to start in XXXX of same year ). 

The XXXX was sold in XXXX 2013, and the new owners decided to not renew the print advertising contract. I have attached an excerpt of the sales contract, " Schedules '', which has the XXXX shown as a contract that will transfer to the new owners. I have attached an email from me to the XXXX agent XXXX XXXX, in which I am trying to verify when the contract would renew and inform her that the business has been sold. She did not respond. Apparently, because I had signed in the distant past, XXXX to print the advertising in their new book. 

I had many phone calls with the XXXX XXXX XXXX rep assigned to the case, but whenever I called in response to another collection notice, the answering agent seemed to have no access to the last phone call discussion and we had to start all over again. Unfortunately, since most of this occurred over phone I have no written proof. 

XXXX the pre-mature contract renewal came to light, and after multiple discussions, XXXX admitted that the billing problem all happened because of the early signing, which was not their usual way of operating and probably done solely out of convenience to the sales person. They admitted that they should have verified the contract before printing the XXXX XXXX. XXXX agreed this was their wrong and said they would not hold me or the new business owners responsible for that contract. 

NOW, about a year later, I get a letter from a collection agency ( which turns out to be XXXX but does not use their name ) trying to collect {$1300.00}. I again called to fill them in that this is not my business anymore, and that XXXX has agreed that they do not have a valid contract, and that they probably just failed to do good record keeping. I was transferred to XXXX XXXX, who was rather aggressive, and that the account was in " pre-legal '' and that if I did n't pay I could just go to court to settle it. I was trying to explain to her the circumstances of the sale of the business, and she said the debt was in my name and it was mine and I was gong to have to pay it. 

When I asked for information regarding who would be the appropriate governing body to which I would file a complaint about inappropriate collection efforts, she said there was none. I rephrased that I would like the contact information for someone to which I could file a complaint, and she insisted there was no regulation of commercial collection accounts, but I was welcome to XXXX it. I feel this can not be true.
Product: Credit card or prepaid card

I applied American Express XXXX XXXX XXXX Credit Card on XX/XX/XXXX. It did not show any pop-up dialog to indicate ineligibility of the welcome bonus. After two months, I was able to meet and exceed minimum spend, but they said I am not eligible for the welcome bonus because of the credit history or something else. But I did not have the same credit before. The only card I had in American Express is Gold gard I applied 10 months ago. I used Gold card very often every month.
Product: Checking or savings account

I was never notified about a possible account closer. My account was closed with no notification and my pay check direct deposit was held. I am being denied access to my funds and am facing an eviction because of this. I have tried to reach US band on many occasions to remedy the situation and they have refused.

Violating my rights to access my funds that are not owed to them.

They have caused me undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining 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 v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. collection XXXX  Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit card or prepaid card

I was hoping this would work its self out but it just seems to be getting worse. Netspend/westernunion/XXXX XXXX, I literally have 12 prepaid cards now from them, they wont stop sending them and combining them with other accounts and cancelling them this is getting ridiculous. I'm supose to have been getting my stimulus check on their and I have no idea if thats happened now or if it was rejected because they closed they account or had a block on it. All my accounts were blocked for 2days, I had them all unblocked just to see they were all blocked again. After I just took this screen shot to upload with this letter, I know longer have access to my account again they just locked them all again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has never sent me a bill or verification for this debt with XXXX XXXX XXXX XXXX  I do not agree to owing this debt. I would like the credit bureau to investigate and require XXXX to show proof that I owe this debt to them.
Product: Credit card or prepaid card

Around XX/XX/XXXX I noticed two strange looking charges in my statement. 
Thus I stop card and ordered investigation. 
Later I received letter that everything is OK and I don't have to worry because I have zero liability. In beginning of XXXX this year I closed my account paid in full. Right in the day of payment ( XXXX ) Capital One posted that amount back to my account, ( due date was XXXX ). I called them back, they assured me that this amount {$32.00} will be removed ( and I saw in online, I can provide the screenshots ). But soon as I hung my phone, they post those charges back. 
After that I made numerous phone calls, and company workers were lying to me ( every time - new version ), about what's going on. When I had to order fraud dept, they use to put me on hold and hung up on me. 
I have all screenshots and dates/names of situation. Charges does not exist, charges appears, disappears, being in process of removing and appears again. I thing that company Capital One uses this dirty practice to steal couple dollars from me as a late fees, as they tried in XXXX. 
Anyway, please protect me from this swindlers, and protect another Americans from this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized inquiries from my credit report. I am a victim of identity theft, and these inquiries were made without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the removal of these items from my credit report.

Fraudulent Inquiries : 1. Inquiry Name : XXXX XXXX o Date : XX/XX/XXXX XXXX. Inquiry Name : XXXX XXXX o Date : XX/XX/XXXX To support my claim, I have attached the following documentation : A copy of my government-issued ID for verification.

Proof of my current address ( utility bill or bank statement ).

A copy of the police report documenting the identity theft incident.
Product: Mortgage

On XX/XX/2022, Wells Fargo misapplied the payment from the homeowner 's assistance fund I contacted them immediately showing them their mistake and they did NOT correct it. They started sending threatening letters claiming my account was delinquent. In XXXX they started harassing me at work with collections calls threatening foreclosure proceedings. In XXXX they kept harassing me and also started calling the owner of the company I work for and repeatedly harassed him about me and possible foreclosing on my house making him question me about longevity with the company. They charged me late fees then credited back without fixing the underlying problem they created in the first place. They denied my attempts to adjust my future payments by possibly removing mortgage insurance ( I have over 40 % equity in my house and my income is half of what it used to be ) because my account was behind in payments. They have unfairly prevented me from making modifications to my loan. They fixed misapplied payments in XXXX XXXX months and dozens of phone calls after I brought it to their attention.
Product: Debt collection

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).
Product: Mortgage

We refinanced our home in XXXX. The mortgage was paid off by XXXX XXXX. Our previous mortgage holder was Nationstar Mortgage. Nationstar paid to XXXX XXXX insurance our premium for the year before it was due, and while we were in the process of refinancing, we also switched from XXXX XXXX to XXXX XXXX insurance. XXXX XXXX refunded to Nationstar our premium of {$490.00}, however Nationstar refuses to refund to us the {$490.00}. Instead, they sent us the attached letter stating " We can confirm that a refund in the amount of {$490.00} is available to XXXX XXXX XXXX for prepayment made. You may need to request XXXX XXXX XXXX to obtain any refund. '' We have not been able to find a company called XXXX XXXX XXXX. On the XXXX of XXXX, I spoke with XXXX at Nationstar. She gave me her supposed phone number XXXX, which I have repeatedly called and at which I have left voicemail with no return calls. When I spoke with XXXX on the XXXX of XXXX, she assured me that a check for {$490.00} was being " expedited, '' and that we would receive it in " 14 business days or less. '' The attached letter dated XXXX XXXX, XXXX RE : Research Reference # XXXX, contradicts XXXX 's promise. We do NOT have the disposable income to be able to afford losing nearly {$500.00} - we were assured, in the refinancing process, that our escrow would be refunded to us and that it would be available for making our first new mortgage payment, which was clearly untrue. We are distressed in the extreme, losing sleep and worried about making ends meet. Our lawyer has advised us to continue registering complaints with the Consumer Financial Protection Bureau ( you ).  Thank you for your assistance.
Product: Credit card

Dear CCB/BJs Club Customer Service Team , I am writing to address an unexpected report of late payments on my credit file for XXXX XXXX XXXX XXXX recorded as 30 and 60 days late, respectively, on my CCB/BJs Club account . This entry was surprising, as I believed that I had made timely payments based on my statements. Its possible that my monthly statements may not have reached me, leading to an unintentional delay. 

In light of our positive relationship, I respectfully request that you consider removing these late payment entries from my credit report as a goodwill gesture. Additionally, I kindly request a refund of any late fees assessed due to these circumstances, as this was not an intentional oversight on my part. 

In accordance with the Fair Credit Billing Act ( FCBA ), sections 15 USC 1666b and 1681i, I am disputing these entries due to potential inaccuracies. Promptly resolving this matter would not only help maintain my credit standing but also reinforce the positive experience I have had with CCB/BJs Club over the years. 

Thank you very much for your attention and assistance in this matter. I look forward to your favorable response and to continuing my valued relationship with your team. 

Warm regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, inaccurate information about my inquiries is constantly reported on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

On XX/XX/2023 I order pop on veneers order XXXX paid {$590.00} by PayPal and received the {$49.00} dollar kit but was never used. On XX/XX/2023 I asked pop on veneers for a refund and they refuse On XX/XX/2023 I open PayPal case XXXX to requested refund of {$540.00} because I deducted {$49.00} for the kit and PayPal declined to dispute refund. I email pop on veneers and they don't want to refund my money I never used their service
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN