23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I initially refinanced with XXXX XXXX  on XX/XX/2020. During the loan process they added {$2000.00} in closing fees to the mortgage making my LTV ratio 80.29 percent. When I inquired about just paying the closing fees to avoid PMI they added additional fees in the way of point to my loan. Not wanting to restructure my whole mortgage and lose thousands of dollars I told XXXX XXXX  to go ahead and just add the closing costs to the original loan. The services informed me that once the loan was processed I could pay the {$2000.00} in a principal payment to reduce my LTV ratio below 80 percent and have the PMI removed. After completion of the refinance my loan was transferred to WellsFargo. I added that principal payment on XX/XX/2020 prior to my first scheduled payment. I then called WellsFargo to inquire about taking off my PMI. I have received several denial letters from them stating I need my house to be re-appraised. The cost is another XXXX dollars. I think this unfair as my house was just appraised by XXXX XXXX  and the loan is less than 2 months old. I am writing because I am out of options and dont know how to proceed as WellsFargo is being unreasonable.
Product: Credit card or prepaid card

Synchrony Bank states on their website at https : //www.mysynchrony.com/servicing.html that customers suffering financial hardship may receive fee adjustments, deferred payments, extending an existing credit card promotion, and reevaluating your credit limits. I contacted them in regards to my care credit. I asked for a deferment due to covid related issues, I missed several days of work/pay. They told me they no longer offer deferred payments. They stated only options I have is if I let my account go delinquent. Once I do that, then call them back. I asked what the options would be. They stated to close out my account and put me on a repayment plan. I told them I wasn't interested in that, I only needed help this month, payment due on XX/XX/XXXX for my XXXX statement. They said the promotion of deferred payments expired in XXXX, yet part of their hardship advertising is extending credit card promotions. Its all false advertising. 

Synchrony bank is falsely advertising financial help for customers, when their only option is to close out your account and put you on a repayment plan. They implied I needed to not pay, go delinquent on an account that's never been delinquent, just so they can help me by closing out my account - which was still not guaranteed acceptance on the repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX  and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.
Product: Debt collection

on XX/XX/2019 I settled an account in the amount of {$1000.00} with agent XXXX at ext XXXX company phone # XXXX on XX/XX/2019 I called and requested to speak to a supervisor were aggressively and unprofessional on multiple call backs and being hung up on by a representative who refused to give her name on a recorded line, only identified as employee ID XXXX. I was never transferred to the XXXX at ext XXXX who was previously in charge of my account I was never transferred to to manager or supervisor, I ask questions that as a consumer I had the right to ask : Have you received my consumer dispute from XXXX if yes yes what was the date of receipt? Have you sent an XXXX request to the 3 major credit bureaus requesting that this account be deleted from my file, if so when, because I called XXXX XXXX and XXXX and they have not received any request from Southern Management Systems. I preceded to ask employee ID XXXX, if the call was being reported and if she was aware that I had rights to ask the questions I asked under FCRA, she proceed to tell me that I was being condescending and annoying by calling repeatedly and hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, those 2 accounts Were sent to collections which means it is illegal for Equifax to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Product: Vehicle loan or lease

My ex / children 's father stole my identity and opened a car loan with me as a couple signer against my wishes. I did not even know this account was on my credit report. They have it charged off and closed and it is not mine it needs to be totally removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " XXXX XXXX XXXX XXXX XXXX XXXX '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
Product: Credit card or prepaid card

This account offers reward dollars based on card use. From my opening account to the end of XXXX XXXX I have earned in excess of {$390.00} in reward dollars which had been reported on my online account information. In mid XXXX. I noticed that the amount had been reduced to less then {$25.00}. I have never used or authorized the use of this money to pay balances or be sent to me. I pay my account balance in full every month. I called customer service on XXXX occasions in the second week of XXXX ( I didn't record dates, not thinking the the problem wouldn't be resolved ) Both times the agent would only tell me how points ( dollars ) are earned and credited at the end of each statement cycle. During the second contact I requested to speak to a manager and after I repeated my request for an explaination as to where the missing funs where, she informed me that the matter would have to be refered to an area dealing with rewards and the she would do so and that they would get back to me. I requested a phone number for that area and was told that they would not supply a contact number. The bank advises that all calls are recorded so I expect that you could secure their recording to verify my information. Next I emailed customer service on two occasions XXXX. XXXX and XX/XX/XXXX and requested a detailed accounting to show where the money had gone and also requested information on how to withdraw the funds ; both inquires were answered with a message that did not address the inquiries being made. I could not make copies of these correspondence off of thier website ; hopefully your office can also request copies of these. The online account inromation now shows a total rewards balance of some XXXX dollars. My take away from this issue is that this money is missing and the Banks system is standing in the way of providing any explaintion as to where the funds have gone and why. I will stop short of using the word theft. I would greatly appreciate your agencies assistance in resolving this matter so that I may receive the funds which are mine buy my use of the credit card issued by the Bank. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 

XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$9600.00}
Product: Debt collection

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX The above called me before XXXX CST. This occurred in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Product: Debt collection

All 3 credit bureaus have a debt listed under my name for a cable bill from XXXX services for a house in North Carolina. I live in Maryland, and I have never lived in North Carolina. Also, the name on the bill is not my correct name. This bill was sold to a collection agency called I C SYSTEM for the amount of {$530.00}. Their contact info is : IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. 

I have called them and disputed the claim and they refused to remove the debt from my credit report. I have disputed this information with XXXX and the debit was not removed from any of the XXXX credit reports other than notes saying : Account information disputed by consumer, meets FCRA requirements. How do you dispute a bill that does not belong to you when the period in time the bill was accrued you did not live in the state in which it was accrued, never lived their. Lived in MD for over 25 years. Never owned property outside of Maryland. Also XXXX does not operate in Maryland ... Seeking help taking this false debt collection reporting off from my XXXX credit reports. This is gross abuse of my civil rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I previously contacted Experian, XXXX and XXXX in regards to account listed on my personal credit report that is listed as a Charge off/ Collection. The account is listed as XXXX XXXX with an account number attached as such : XXXX. This vehicle was completely paid off with no balance owed by XXXX in 2018. This company is continuously reporting false and incorrect information on my credit report which is not a reflection of my character. After contacting these credit bureaus XXXX founded that this account was placed on my report with incorrect information and no balance was owed at any time and DELETED the account. XXXX and Experian are not completing their due diligence which is greatly affecting my life. I have asked several times for documentation which legally validates the account which they continuously fail to provide to my person. These companies are including fraudulent information on my credit report from companies who pay their salaries and not acting in the best interest of the consumers. These practices are malicious and indecent. How can one company come back and state their information should have not been placed on my credit file and deleted it but these companies are sending letters to my address stated VALIDATED with no validation information or documents. I want this account reinvestigated immediately providing these bureaus with 15 days because I previously gave them more than enough time and information in the past. I would like all findings and conclusion correspondence via CFPB and then an updated copy of my credit report to be mailed to my address. I do not want this complaint closed until the investigation has been completed and I am providing with all documentation in the event they say the account is Validated. I am seeking payoff documentation and all payments XXXX XXXX received from XXXX, all notices I was forwarded in regards to a balance, the original contract associated with this account, my signature bared on the original contract and all documentation produced to your party.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report. The items listed below are either incorrect, unverifiable, or do not belong to me. I request immediate investigation and correction under the guidelines of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a credit card with this company. Someone stole my information and apparently opened up an account in my name, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursue litigation
Product: Credit reporting or other personal consumer reports

About XX/XX/ I got alerts from identity guard about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Product: Credit reporting or other personal consumer reports

I am submitting this request to prompt an investigation into the fraudulent inquiries listed on my credit reports. I urge the XXXX Credit Bureaus to initiate an investigation as stipulated by law. Listed below are the fraudulent inquiries that need examination and removal : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; Birchwood/Lower, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all negative items on my credit report due to the data breach that has affected my personal information. In accordance with the Fair Credit Reporting Act, 15 U.S.C. & 1681, I am seeking immediate assistance to correct the inaccuracies on my credit report that have been impacted by this incident.

As a result of the breach, my personal data may have been compromised, and I believe the negative items currently on my credit report may be the result of fraudulent activity or errors directly tied to this breach. These items are not reflective of my true creditworthiness and have been caused by circumstances outside of my control.

I kindly request that you investigate the matter and work with the relevant credit reporting agencies to ensure the immediate removal of any inaccurate or negative information from my credit history. The breach has caused significant distress, and it is crucial that my credit report accurately represents my financial history, free from adverse effects of unauthorized or fraudulent activity linked to the breach.

To assist you in your investigation, I have attached copies of relevant documentation regarding a breach. 

Please confirm the steps you are taking to address this issue, and kindly provide me with a response within the timeframe stipulated by law. 

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

XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer USA for XXXX XXXX XXXX XXXX I had 3 years ago I no longer have and they still charging me I been gave back the cart and signed paper XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Report Number
Product: Payday loan, title loan, personal loan, or advance loan

I am asking information about the class act lawsuit on Onemain Financial. I am one the victims that were deceived to take other unnecessary financial products, increasing the amount of the borrowed debt. How can I be added into the lawsuit? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 XXXXXXXX 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 or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you