23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work with PHH mortage and I am not getting anywhere. They first gave me a repayment plan which I they set up and was suppose to send me paper work to sign with amounts and dates due. I never received it and lost my payment plan and when I asked about it they said they don't need the paper signed, when they originally said they did. I then have applied XXXX or 4 times for modification, which everytime they deny me saying my home appraises to much. Which it may appraise as high as they say if it was fixed up and in a different town. I sent an appeal and they ignored me with an appraisal attached. Now I'm expected to pay almost XXXX to bring my mortage current which I can't. If they wouldn't have strung this along so long I could have brought it current earlier. Now the only option they will give me is short sale or deed in lieu. Which I don't want I want to save my home. They won't even offer me a forbearance or modification. The payment plan they did offer me was ridiculous, which I would have made work if i would have gotten the paperwork so I knew when the payment were suppose to be made. I now after the down payment of XXXX it was monthly installments of around XXXX. Which was way more than what was behind. They are a horrible company and don't speak XXXX and get rude very fast. They can't answer questions just read off a computer. Asked for a supervisor and it was the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shock how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  The first error date open XXXX is reporting XX/XX/XXXX while Experian and XXXX is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while Experian and XXXX does not have a closing date. 

The third error account status XXXX and Experian is reporting closed while XXXX is reporting open. 

The fourth error payment status XXXX and XXXX is reporting current while Experian is reporting late 150 days The fifth error last payment XXXX  and Experian is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {$0.00}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : TRANSWORLD SYSTEM INC XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX RESURGENT RECEIVABLE CARE OF CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX Subject : Request for Debt Validation Dear RESURGENT RECEIVABLE I am writing to request validation of the debt referenced in your recent communication dated [ insert date of the communication ]. This request is made pursuant to my rights under the Fair Debt Collection Practices Act, 15 USC 1692, which entitles me to request written verification of any alleged debt. Please provide the following information regarding the debt : 1. The amount of the debt. 2. The name of the creditor to whom the debt is currently owed. 3. A detailed explanation of how the debt was incurred. 4. Documentation that verifies your right to collect this debt, including any agreements or contracts. 5. A copy of the judgment ( if applicable ). Until I receive the requested validation, I dispute this debt and request that you cease all collection activities. Please note that you are required by law to provide this information, and failure to do so may result in the cessation of all collection efforts. Please respond to this request at your earliest convenience. You may send the validation to my address listed above. Thank you for your attention to this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter asking them what method of verification they used prior to reporting the Bankruptcy on my credit report. Experian 's result is " The compnay that reported the information has certified to Experian that the information is accurate. '' Who is the company. I have asked Experian several times to report the name of the company who is certifying and verifying the bankruptcy and they refuse to answer me. I am requesting that Experian either disclose the company that provided the information or remove the bankruptcy from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding my repeated and unsuccessful attempts to have fraudulent items removed from my account other relevant entity. Despite my diligent efforts and numerous communications with your company, the fraudulent items remain unresolved. I have made no less than ten attempts to address this issue. Each time, I have provided all necessary documentation and information as requested, including : Despite these efforts, the fraudulent items remain, and I have not received a satisfactory resolution or explanation. This ongoing issue has caused significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Please help me remove the following items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX, has violated my rights. 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 an account without my written instructions.
Product: Student loan

I am paying my loans off to Fedloan services. As I try to pay ahead each month for my XX/XX/XXXX statement they said the amount owed for that month was {$0.00}. They did not have anything saying I would still need to pay interest for that month and what that amount that would be to keep me current for interest payments. Now for XXXX months in a row they have been taking all of my payment to catch up for the interest they say I owed in XX/XX/XXXX. They admit their statement said I owed {$0.00} for the month and that they did not bill me for interest, however I was somehow supposed to know that I should have made an interest payment. 
I asked " am I suppose to guess an amount and send it since you said my payment was {$0.00}? '' They did not have a good answer for me. 
I feel they purposely told me not to pay anything in XX/XX/XXXX so they could make more money on my interest payments. 
I would like to see them add to their billing statement explicitly {$0.00} owed for principle and {$140.00} owed so you do not get behind on interest. 
Thank you
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Checking or savings account

On XX/XX/XXXX, I called Chase Bank in order to report an unauthorized charge of XXXX, XXXX withdrawals of XXXX and XXXX withdrawals of XXXX from the same ATM each time from my checking account/ debit card on the day before, XX/XX/XXXX and XX/XX/XXXX. I filed a claim for fraud, as I was scammed and they informed me how scammers stole my card information including my PIN and I was reassured that I would be credited the amounts lost by the XXXX of XXXX. 

Yesterday, XX/XX/XXXX, I received a notice that my claim was denied and I was charged an overdraft fee of XXXX for being over the overdraft amount, over XXXX ( due to the unauthorized charges and withdrawals ), contrary to what they told me that if it was due to fraud, the amounts would be given back to me. 

Today, around XXXX XXXX XXXX, I called Chase Fraud department and was told I only told them about the withdrawals even though I know, for a fact, I informed them of all of the amounts lost to me, so including the XXXX unauthorized transaction. 

The company canceled my card on XX/XX/XXXX and issued a new card to be mailed to me after I reported the then, pending transaction and unauthorized withdrawals. They informed me that I was scammed and told me it was likely that the scammers used a digital wallet in order to withdraw and to pay for the unauthorized transaction from the XXXX XXXX ( XXXX ). I am owed XXXX + XXXX + XXXX XXXX which forms a total of XXXX to my checking account. 

Thank you, I hope I gave enough detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraud resulted into a hard inquiry on my Equifax report. I disputed the fraud with XXXX and they have cancelled the account. 

I went to Equifax 's website to submit a dispute for the hard inquiry. When submitting a dispute for the hard inquiry, it does not allow attachment of documents ( skips from Step 1 to Step 3 when you click proceed ). The inquiry is then automatically rejected because no  documents have been attached to the online dispute. No effort is made to contact the original company who made the inquiry or the consumer who submitted the complaint. 

Additionally, when the dispute is rejected, users are provided with a Customer Service Number to contact ( XXXX ). This number is an automated system for ordering credit reports and does not allow the user to reach a customer service representative. 

While documents can be submitted online for disputes, documents for a hard inquiry can not be submitted via methods other than mail or fax. 

I view the combination of these items above as Unfair, Deceptive, and Abusive act towards it's customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/21 your agency stated that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you,
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 Bureaus ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with 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 inaction violates federal law and my rights as a consumer.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting this follow-up complaint regarding Synchrony Banks handling of my XXXX Secured Card account. Despite my previous complaint, new evidence and responses from the bank have reinforced my position that their actions were both inaccurate and unjustified. 
1. False Claims of Dispute Initiation : Synchrony Bank continues to assert that I initiated disputes for two transactions ( {$130.00} and {$16.00} ). However, I have repeatedly clarified that I never initiated any disputes. This claim by the bank is factually incorrect and unsupported by any evidence provided by them. 
2. F

ailure to Provide Evidence : In my latest response to Synchrony Bank, I requested proof that I initiated these disputes. To date, the bank has failed to provide any documentation or correspondence substantiating their claim. Their inability to produce evidence strongly suggests that their assertion is baseless. 3. Unjustified Account Closure
: The bank closed my account on XX/XX/year>, citing vague and generic reasons that do not apply to my case. I have had no delinquencies, have always made payments on time, and corrected the initial issue of incorrect bank details immediately upon realizing the mistake. Synchrony Banks decision to close my account two months after resolving the issue with my bank information is both unfair and disproportionate. 
4. Harmful Impact : The closure of my account has negatively impacted my credit report and financial standing. This decision was based on the banks own error in labeling the transactions as disputed and their subsequent mishandling of the situation.
Product: Credit reporting or other personal consumer reports

I am submitting this present complaint to follow up addressing the fraudulent items listed below that are currently appearing on my credit report, which is a violation of federal law. Again, I appreciate that some of these items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that several fraudulent entries still persist. Under the provisions of the Fair Credit Reporting Act, specifically 15 USC sections 1681, it is mandated that the listed items in the ID Theft report be promptly removed within the legally stipulated timeframe. The continued reporting of inaccurate information is adversely impacting my credit standing. Below is a summary of the fraudulent items that are still present on my report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Product: Debt collection

XXXX attempted to collect a debt by mailing me a statement on something I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed Equifax, XXXX XXXX and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX County records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX County records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I  look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX rly have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX unauthorized inqury
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Amount : {$14000.00} XX/XX/2015 The signature was obtained by false pretences with the intent to cheat and defraud. 
I was lead to believe that I was just a reference to help the primary buyer. 

The dealership conducted the transaction in a manner that created a likelihood of confusion and misunderstanding. The contracts were signed separately. 
The primary buyer drove to my house to obtain my signature. I didn't have any form of communication with a representative from the dealership. I was never physically present at the dealership. The dealership and I never correspond nor did we communicate via phone or any other type of digital/non-digital form of communication. This process was initiated and finalized without my involvement. by the dealership, Ally Financial, and primary buyer. 

The legitimacy of the loan documents can not be validated by any witness. most importantly, it is impossible for any of the parties involved to produce said document with a notary seal and signature. 

The dealership fostered an intense sense of urgency ; significant enough to motivate the primary buyer to produce a cosigner. They had a reckless disregard for the truth. The result was intentional misrepresentations and Fraud. In addition, the lender, ( Ally financial ) did not perform their due diligence and enable the dealership to comfortably engage in fraudulent business practices.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for inaccurately reporting my consolidated student loan as defaulted despite my on-time payments. 

I consolidated my student loan through XXXX and have made all payments on time. 
Despite the consolidation, XXXX continues to report the loan as defaulted, damaging my credit score unfairly. 
I disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but the servicer failed to update my information correctly. 
Reporting false or outdated information is a violation of FCRA 1681s-2 ( a ), which requires furnishers to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I have several car inquiries on my credit report that does not belong to me. My credit report shows I work at XXXX XXXX which is incorrect