23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved on XX/XX/18 with my mortgage lender, XXXX XXXX, for an Affordable loan modification to lower my mortgage payment from {$1200.00} to {$1100.00}. I was told that I would have to make 3 trial payments and my payments would become permanent at or around the same amount of the trial payments. I was notified in XXXX that Mr. Cooper/Nationstar would be servicing my loan starting in XXXX, after my final trial payment was made. I was told that they would honor the terms of my modification. I successfully completed my trial payments and anticipated receiving my final approval from Mr. Cooper but what I received was an approval for a modification that would actually raise my mortgage payment to {$1300.00}! This amount was not at or around the amount of my trial payment, nor was it affordable which is what I was approve for by XXXX XXXX. I have spoken to several people with Mr. Cooper who refuse to honor the terms of the modification that I agreed to when I was only 2 months behind and could have reasonably caught up on, now I am in default and in danger of foreclosure unless I accept these unfair terms.
Product: Debt collection

I have tried to explain to Kansas Counselors that the amount they are trying to collect has been paid in full to the provider. This bill was part of a settlement from wreck. My attorney and I have both tried to have this conversation with them and they refuse to take the documentation provided as prof this matter has been fully resolved. I am not paying a company whom I did not contract services for a bill that Ive already paid in full to the provider whom I did contract services. I did not provide my information to them and Ive explained to them they need to take this matter up with the originally creditor whom was paid in full. Please help me resolve this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Formal Complaint - Inaccurate Verification of Debt by Equifax For whomever this may concern, I am writing to file a formal complaint against Equifax regarding the accuracy of their debt verification process, as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). 

Recently, I discovered an erroneous debt on my credit report ( " XXXX, XXXX XXXX XXXX '' as listed with company on my credit report ), which was initially verified by Equifax. However, another reputable credit bureau company subsequently verified this debt as invalid and promptly removed it from my credit report. I must highlight that Equifax verified this debt without providing any substantial information to validate its authenticity. 

The absence of a wet signature or a clear date associated with this debt raises serious concerns about its legitimacy. I would like to bring to your attention several relevant legal cases, such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Equifax, wherein the respective credit bureau companies were held accountable for their failure to properly validate similar debts. 

According to the FCRA, it is mandated by law for credit bureaus to conduct a reasonable investigation upon receiving a dispute from a consumer. In this particular instance, Equifax has failed to meet this legal obligation, as they neglected to perform a thorough investigation into the disputed debt. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate actions to ensure compliance with the FCRA by Equifax. Furthermore, I would appreciate your assistance in rectifying this situation promptly, as the inaccurate reporting of this debt has had a negative impact on my creditworthiness and financial well-being. 

Enclosed with this complaint, you will find copies of all relevant documentation supporting my claim, including the deletion confirmation from the other credit bureau company. 

I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost seriousness and work towards resolving the issue effectively. I eagerly await your prompt response and a resolution that upholds the principles of fairness and accuracy outlined in the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I, XXXX XXXX XXXX, have recently discovered that I have been a victim of identity theft. Below are the incorrect transactions or experiences that I was not aware of being reported to my consumer report, nor did I give my expressed consent to allow such reporting. I was not the beneficiary in the inquiries listed below and on my consumer report and was unaware of such inquiries until now. The transactions/experiences as well as the incorrect personal information is to be deleted from my consumer report as it is damaging my reputation and alters my being able to provide for my family. 

Please remove and delete the following transactions/experiences : 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  ( late payments reported on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX XXXX ( late payment reported XX/XX/XXXX ) Erroneous Names & Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I asked that XXXX, XXXX, and experian delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX  XXXX that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX number is XXXX also known as csf solutions. XXXX said account that I have no binding contract with is XXXX collections located at XXXX XXXX XXXX XXXX, MA. XXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXX demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus experian, XXXX, and XXXX immediately
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX multiple times, yet the errors remain unresolved. Despite my efforts to have the information corrected, the credit bureaus have failed to take the necessary actions. 

The following violations apply to this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This challenges the 30-day response time for investigating disputes, which was not adhered to in my case. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This challenges the investigation protocol, as no adequate results or findings were provided to support the disputed information 's accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges reinsertions protocols, as the disputed information has remained on my report without proper notification or validation, contrary to FCRA requirements. 

I request that the CFPB investigate these violations and ensure that the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and adhering to proper dispute resolution procedures.
Product: Debt collection

Every single day for the last year, they keep calling me from multiple numbers. Saying I owe money from one of my charged off credit cards. I tell them I dont have money right now and they said we need you to pay at least {$50.00} today can you do that? And I say no I cant because I dont have the money available right now and they continue to harass me and say well how much can you pay today. We need some amount of money today so your account doesnt default and a legal judgment is posted against you. Then they tell me I need to give them my bank account routing number and they will take the money out when I think Ill have it available ( post dated ) and I tell them Im not sure when Ill have it available and Ill call then when I have the money and they CONTINUE to call and harass me.
Product: Checking or savings account

1- Open a High-Yield Savings account with XXXX owned by Webster Bank 2- After a month, interest rates started to go up in other banks but not in this bank 3- Decided to withdraw my funds from Webster on XX/XX/XXXX 4- Setup up external transfer with my regular bank XXXX XXXX XXXX XXXX Checking Account ) 5- Been waiting for two weeks for my transfer to happen but Webster Bank held my funds hostage and asked for a ) Latest bank statement of XXXX XXXX XXXXXXXX and b ) Copy of my Florida Driver 's License. I sent the documentation via their encrypted server ( as requested ) and called them a few times validating they received the documents. 
6- They stated it would take up to 3 days to review/clear/reject the documentation 7- Today, on XX/XX/XXXX, received an email that they " Stopped '' my transfer without any explanation 8- And they also, eliminated my access to my account, the bank log in does not work 9- The transfer is for only {$5000.00} USD, not a large amount and they are holding my funds hostage, please need your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, TransUnion Bureau was notified to delete all addresses and phone numbers listed on my credit report/file. A certified dispute letter ( certified tracking # XXXX ) was sent directly to the company for corrections to be made immediately. TransUnion has been advised of the violations being committed according to code 15 USC 1681a Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called US Bank several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Product: Credit card or prepaid card

Capitol One sent me an advertisement for a Quicksilver credit card quoting me a 16 % APR after XX/XX/2020 so I applied and was approved. 

However when my credit card terms and conditions arrived today they had increased their APR after XX/XX/2020 to roughly 26 %. 

I called Capitol One to try and correct what I assumed was a mistake both both a worker named XXXX and his supervisor XXXX told me that they couldn't change the APR so I closed the account. 

Capitol One is effectively baiting and switching their customers. This is immoral and ( I assume ) illegal as they did not honor the APR terms that they had guaranteed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

I got a loan with chime financial for XXXX in XXXX of XXXX. It was a 3 month payoff agreement. Consisting of XXXX per month ending in XXXX of XXXX. I paid two payments as agreed and was delinquent up until XX/XX/XXXX in which paid off the remaining XXXX. They have let this remain on my credit report as if I never paid it off and reporting me late after the loan was paid in full. I have XXXX several time since then but they information is coming back accurate as if I never paid it off. I dispute with XXXX  one and time was deleted because it was verified that the debt was paid. I have to someone at chime financial and they have told me that it was paid but it is still on my credit report and was flagged as collections on XXXX  since then.
Product: Credit card or prepaid card

XXXX and XX/XX/XXXX, sent negotiable instruments which Chase processed but did not adjust amount on balance. Account paid in full. They altered a negotiable instrument but claim it wasn't accepted.
Product: Debt collection

XXXX I purchased a refrigerator, microwave oven and a television from Conn 's Plus Appliances. They delivered the items a week later. Upon delivery I expressed that I did not want them to install the microwave or the television because it was to expensive and I had someone else install the tv. Two days later my husband returned the microwave because it was not the one I originally selected and it was the wrong size and did not fit the inlet space over my stove. They charged me a restocking fee for returning the microwave and have NEVER adjusted my original bill to reflect the deduction for the returned microwave or deducted the charges for the installation of the tv. I payed the monthly bill ( late 2 times ), initially they were harassing me and calling me at work. I asked them not to call me at work and they stopped. XX/XX/XXXX I tried paying the balance off but it is incorrect and I refused to pay the incorrect balance. My payment is due on the XXXX of the month and they call at least 10 times a day for the payment. My husband and I have been to the store and no one is ever there that we can speak with. When they call me at home and I inquire about an adjusted ( corrected ) bill, they say they are transferring me to customer service and the line goes dead. I am at my wits end. I am considering getting a lawyer. I 've tried reaching someone at their home office in Texas, to no avail. I went to their website and it was full of complaints ( I submitted one also ). Please help me get resolution in this matter ASAP! 

Very, very DISGUSTED P.S. My initial monthly payment was late because I was told the first payment was not due till XX/XX/XXXX but it was actually due on XX/XX/XXXX ; I requested my payment date be changed to the XXXX of the month and that was a big hassle also.
Product: Debt collection

Collector keeps calling me after debt was paid. Keeps trying to record phone call and I am not comfortable being recorded. Threatens me with increased collection tactics, higher interest paid. 

Also original creditor is charging fees not agreed to in the original agreement signed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with Comenity Bank. One being the Ultamate Rewards Card and the other being a Visa with XXXX. 

I paid off these cards on XX/XX/XXXX and they are still reflecting as having a balance with all three credit bureaus. After looking closer to the credit reports it looks like the balances and/or payments have not been reported since XXXX of XXXX. I reached out to their customer service lines today ( XXXX XXXX, XXXX @ XXXX ) and was told in both instances that their credit reporting systems have been inactive since XX/XX/XXXX and they do not have an estimated time of repair. 

Isn't it their due diligence to report accurate information? 

I am in the process of buying a home and this will directly affect the rate I will get. I believe I have disputed this already but will check for details as they then reported the balances shown were accurate. This would then be fraud? 

What can I do to fix this problem since I have disputed with no positive outcome?
Product: Mortgage

On XX/XX/2014 I made a principal payment ( {$300.00} ) that Wells Fargo put in unapplied funds. On XX/XX/2014 a regular mortgage payment ( {$560.00} ) was made. Then on XX/XX/2014 they applied the extra payment to the balance ( {$94000.00} ) after the regular payment. It should have been applied to the balance ( {$94000.00} ) before the regular payment. Wells Fargo says they can't go back but 90 days. If I made a mistake Wells Fargo would go back 90 days! Where's the accountability?
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with M & T Bank on XX/XX/XXXX after speaking with a Teller at their XXXX XXXX  branch who informed me that they were running a {$200.00} promotion to open a new account using the code XXXX. Since I was a XXXX resident she stated that I would qualify for the code and that I should come back to open an account or open one online. Both my boyfriend and I opened our own individual accounts using the XXXX code since we just moved to XXXX and needed a local bank. We qualified for all of the terms to receive the {$200.00} but it never posted within the 90 days like it was supposed to. 

When I reached out to M & T regarding this on XX/XX/XXXX, they replied on XX/XX/XXXX stating that my name was n't included on the offer, but that they continually offer new account sign ups in branch, via radio, mailing, or internet for all customers, new and existing. 

However, I feel that is not a fair business practice and false advertising to potential customers as it was advertised to me in branch by their employee and both my boyfriends and my accounts qualified for the promotion.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and despite my repeated efforts to notify Experian, XXXX, and XXXX about the fraudulent information on my credit reports, they have failed to remove the inaccurate addresses, phone numbers, and employers that do not belong to me. This situation has caused me significant distress and has the potential to harm my financial well-being. 

I have sent multiple letters to XXXX, Experian, and XXXX detailing the fraudulent information and requesting its removal, but to no avail. The addresses, phone numbers, and employers listed on my credit reports are not associated with me, and their presence is a result of identity theft.

The fraudulent accounts and personal information on my credit reports, as well as the addresses mentioned in the documents I provided, clearly indicate that my identity has been compromised. Despite my efforts to rectify this situation, the credit bureaus have failed to take appropriate action.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act. It is crucial that the inaccurate and fraudulent information on my credit reports is promptly removed to prevent further harm to my financial reputation and well-being.

Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting

It is time for my daily complaint with Equifax because they are breaking the FCRA and the CFPB seems to be doing nothing. On XXXX XXXX, I talked to XXXX, XXXX XXXX XXXX, and XXXX XXXX, all XXXX said their investigations are not complete and nothing was reported to Equifax , meaning they are lying about verification. If the have verified my information then I want Equifax to attach a copy of the verification to their response of this complaint, something I have asked before and they have refused. Might I also add that the XXXX XXXX XXXX account is attached to an unknown name and said it was charged off with someone using my wife 's maiden name in 2014, I have sent proof that her account with XXXX XXXX XXXX was changed to her married name yet Equifax ca n't seem to grasp this concept. Next, XXXX is a fradulent account but let 's put that aside, this debt was discharged in a settlement agreement signed by their representative, that I have also provided and was allowed to do so for financial purposes. TransUnion has actually done an investigation and found all XXXX of these accounts fraudulent yet Equifax seems to be lying or have proof that TransUnion could not find. You must have to have a XXXX to work at Equifax. I am again sending my proof for XXXX XXXX XXXX and XXXX but I 'm sure Equifax will lie and say these debts are verified and the CFPB will allow them to trample on my rights. Also, Equifax should have received my bill for my contracted services, I never asked to do business with Equifax and though they never asked to do business with me, I am still charging my hourly wages ( 12 hours a day, 7 days a week ) as well as lost sales revenue since they are the cause of this and I have them a discount at {$20000.00} dollars. I meant what the letter said, this line of credit will be reported to XXXX as either paid or unpaid on all XXXX numbers found for Equifax Inc.
Product: Debt collection

Bank of America and third parties of bank America keep calling me, family members & places Ive worked threatening to be sunmon me to court to pay a debt that was over 13 years ago.