23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I put in an application 4 business days ago, when I was contacted they asked for more information, but could not give any information about the status of application. 

When I asked the agent who specifically told me they were the loan officer for their NMLS # in order to confirm who they were, they refused. I was asking for the information because the call seemed off. 

The person went back and forth and wouldn't give me any info on the company or status to withdraw the application. 

They wouldn't withdraw my application. 

I asked for a supervisor and was hung up on. 

Agent on the phone was named " XXXX '' phone number called from was XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent money to someone I found on XXXX XXXX XXXX XXXX for a XXXX they stopped contact after the payment went through never got my money or tracking number for the XXXX
Product: Mortgage

The state of Texas gave me 100 % tax exemption due to me be 100 % XXXX through the department of va and i submitted the paperwork to the bank on XX/XX/XXXX so that my taxes can be removed.starting a week after that date they started telling me to call back every 2 days to check on it. When they finally admitted that they had it they started telling me random statuses and to call back in 2 days. on the XX/XX/XXXXi asked them what to do about the payment being that it was due and the payment amount was going to change. i was told that i should just wait because the payment amount would definitely be ready by the XXXX. well now they are saying that it should be done by the XXXX and i need to pay the full amount that contains the taxes that the state of taxes doesn't even charge me for because i don't want the late payment to hit my credit. in the last month they have given me lie after lie and now i am in financial hardship. I cant get a honest answer out of anyone and when i am told that they will call me back they never do. i called on the XXXX of XXXX and they told me that its now not going to be touched until the day after the last day that i can pay without it being considered late and the reason that its taking them so long is because my account is new. they are charging me tax that i do not owe and dragging their feet from payment to payment. their business practices is predatory towards XXXX veterans and i really need this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to TransUnion last XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiry that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX and recieved a letter that they pulled my credit report from a a company called " SAGESTREAM , LLC ", I'M extremely concern due to the fact this company i never heard of and they are not one of the Credit agencies allowed to provide this information. Also show my score at XXXX which is so wrong becuase my score is XXXX with XXXX  and XXXX and XXXX. 

I want my file removed from them and want to know who authorized them to put my information in their system ..
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to Transunion and XXXX on XX/XX/2020 and has attached a copy of the letter that was sent below.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report i noticed some inquires that I did not make nor did i approve anyone to pull my credit report.
Product: Checking or savings account

Not able to access direct deposit due to companies third party having a technical issue.
Product: Credit reporting

I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.
Product: Checking or savings account

Complaint : Associated Bank has failed to pay a {$600.00} promotional bonus within 120 days to me for opening a new checking account. 
XXXX XXXX XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at XXXX XXXX XXXX branch on XX/XX/23 XXXX 
I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/ contacts within the bank who have authority to escalate and render a solution.She says the matter is fixed, yet I wait, the bank remains silent, and does not pay the {$600.00} bonus. I sense the bank is simply stonewalling. I have fulfilled the terms of the promotion to qualify for the {$600.00} level bonus and desire the bank to take action and complete their legal obligation to pay the bonus in a timely manner without further delay. 
This is a reasonable request.
Product: Checking or savings account

I sent a XXXX payment for landscaping work and got scammed. There was no show and I have contacted the person with no response. The date of the XXXX payment was XX/XX/2023, the day of the service was scheduled also for XX/XX/2023. The amount was for {$130.00}.
Product: Mortgage

I fell behind on my mortgage a few years ago and then the pandemic hit. My mortgage company never offered me any sort of forbearance. I contacted a HUD counselor and she helped me with a loan modification. It took a long time going back-and-forth because every time we would send in what the mortgage company said we needed they would always say we were missing something. This went on for about three months. They finally excepted my modification on XX/XX/XXXX of 2021 and on XXXX XX/XX/2021 they told me my modification had been denied. Im not sure why because in my letter I had told them that I had one full years worth of payments I could pay towards my account. So if they were to take that and then they put me in the forbearance program and put missed payments to the back of my loan I wouldve been OK. When I spoke to them they told me pretty much that I had enough equity in my house that if they were to foreclose on it they would make money. I will admit I have had a lot of financial problems But I really am trying now. I have plenty of money to make my mortgage payment every month and Fay servicing does nothing except for XXXX you around. They are definitely not there to help They just want to foreclose on your home. Ive been in my home for 30 years and I definitely do not want to lose it.You call and half the time you cant get anybody on the phone. 
They told me that they was going to go ahead with the foreclosure unless I came up with {$32000.00}. I told him that there was a moratorium in place until the end of XXXX They told me that my investor does not participate and any programs like that
Product: Debt collection

Credit Collection Services has charged me for an amount that I do not owe. They are collecting on behalf of XXXX for an amount that I absolutely do not owe ( {$1000.00} ). This incorrect amount is listed on my credit reports : XXXX, XXXX and XXXX and it has and continues to compromise my credit worthiness. I reached out to CCS and tried to file a dispute but was unsuccessful. CCS asked that I provide verification that I had coverage after my Auto Insurance Policy with XXXX canceled in order for them to consider adjusting my account. I did submit proof yet nothing has been done to correct the error.
Product: Mortgage

I was contacted by Loan Care and informed that they would be collecting property taxes from my escrow totaling over XXXX dollars. 
I called Loan Care and informed them that my property taxes are exempt because I am a XXXX veteran. I also explained to Loan Care that the Title Company submitted the property tax information in closing of the mortgage loan and the exemption is recorded in XXXX County Deed of Records. Loan Care informed me that I am not allowed to speak with the tax department and to send them a tax bill. 
I explained that I do not receive a tax bill from XXXX XXXX XXXX because the taxes are exempt and I had already sent Loan Care the property tax information. Loan Care disconnected the call. I called back to Loan Care and they told me that they were not going to ask the title company for any information and they did not receive my tax information. 
I am asking for Loan Care to accept my Property Tax information from XXXX County and the Department of Veterans Affairs and then update my records. I am also asking that Loan Care stop having people answer calls that do not have authority or competence to handle customers needs. 
Finally, I am asking Loan Care not to collect money from my escrow account for property taxes and to address the issue of the Loan Closing being improperly handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never really looked into my credit til my wallet went missing and to my surprise I saw accounts that I have no idea about and I'm demanding that these accounts be removed immediately from my report, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Please honor my request or support your reporting with signed contracts and any other physical documentation that will substantiate these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus reporting Collection from XXXX XXXX as originated from XXXX at XXXX XXXX XXXX. They also report the data of the debt with XXXX XXXX as XXXX XXXX. 

The debt is currently in dispute The amount is also incorrect
Product: Credit card

Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a HUD homeowner located in XXXX, LA. I took a forbearance based on the " CARES act '' passed by Congress last year in XXXX. However, my mortgage company, Loan Depot, has put negative items on my credit report, which have caused my credit score to drop over 100 pts. I asked for my payments to be put at the end of my loan, and resume my payments on a regular schedule, but my mortgager refused, and gave me a loan modification instead. Loan Depot wanted me to sign documents, which sells my loan to another financial institution and my first payment with the new mortgage company is not due till XX/XX/XXXX. However, Loan Depot reported me as having a late payment in XX/XX/XXXX, even though I was still under forbearance. I am being treated unfairly and need help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported my mortgage late after I was placed on a repayment plan that was hold harmless and did not inform this would be the repercussion which in turn hurt. my credit, preventing me from refinancing.
Product: Credit card or prepaid card

I have multiple accounts with Synchrony Bank providing me credit at multiple retailers. I have kept all of my accounts in good standing, always paying off the cards or making monthly payments on time. Out of no where Synchrony cut all of my credit limits to within {$20.00} to {$50.00} of my current balance. For example, Lowes. My Lowes account had a limit of $ XXXX. I had a XXXX balance and it was cut do a limit of {$150.00}. XXXX XXXX had {$8500.00} limit and was cut down to {$600.00} as I had a {$580.00} current balance. I have two accounts at Sams Club with this bank. I had account protection/security purchased but cancelled this during the first week of XX/XX/2022. They continued to debit monthly charges for this security and will not refund. Because of this both my Sams accounts have accrued these fees bringing both over the limit and am now being charged multiple fees every month. 
Multiple others as well, all in good standing. Because of this my debt to credit ratio skyrocketed and my credit score dropped almost 200 points. I have a car lease that is up this year. I just found out that because of my credit utilization so high and score so low, that I will not be able to purchase out my lease or lease a new vehicle. I was also working on getting approved for a mortgage on a property but that was cut as well. I understand Synchrony is taking this action on many card holders. Either lowering credit limits, or closing accounts. They have closed two of my accounts that had XXXX balances. I worked very hard to stay above water during the pandemic. I was unemployed for two years yet I continued to meet all of my monthly obligations and was never late or over the limit on anything. This is how I'm paid for being on time every month?? This has caused me to miss paying other bills over the last few months and completely ruined me financially. Soon I will have no transportation and no options to turn to. I don't know what to do as I've never been in this type of situation before. Is there any help out there??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report. 

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violations : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion without proper notice Undated late pay Charge off listed as open Collection account with a limit Account Number : XXXXXXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA XXXX XXXX Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, 605B XXXX XXXX  XXXX XXXX XXXX Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They made our credit record with Equifax, and first it was not authorized by us, second does not have who is the " REQUEST ORIGINATOR '' and third the phone number that is presented ( XXXX ) does not connect to any entity commercial of XXXX / XXXX  to file the complaint. Therefore, we request the elimination of said inquiry from our credit record as it falls under the category of " hard inquiry '' and affects our empiric. 

The credit record that has been affected is mine and that of my wife. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( LoanCare Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XX/XX/XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX  XXXX XX/XX/XXXX, Report XXXX. XXXX ) ; and XXXX  ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to LoanCare Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this. 

Your assistance will be much appreciated. 

Sincerly XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the issue remained. I am extremely frustrated and need this resolved immediately. Please review the documents Ive submitted carefully so that I dont have to deal with this distress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and falling 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 consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC , XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/scrub> 2025 XXXX XXXX XX/XX/scrub>, 2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

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

I am writing to formally lodge a complaint regarding the ongoing issue of inaccurate late open accounts on my credit report. Despite multiple attempts to rectify these inaccuracies, the issues persist. This letter marks my fifth attempt to resolve this matter, and I am seeking immediate and effective action. Despite providing all necessary documentation and evidence to support my claim, these inaccuracies remain on my credit report, adversely affecting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and your agency is obligated to investigate and correct any inaccuracies within 30 days. Please help me correct the late open accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

High Desert Creditors has placed a collection account on my credit when they never once contacted me and attempted to validate this debt. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I have lived at the same address for 11 years and not a single notice has come to that address yet it is on my credit report. I am a XXXX and this is impacting my employment.