23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I disputed a charged in the amount of XXXX from a merchant who did not provide the service. I was given a credit for my purchase. They then took the credit away stating that the merchant provided proof that I received the service. I asked for this documentation and asked to reopen the dispute I was denied this request. I was never given the documentation from the merchant and was not allowed to reopen the dispute. I submitted a large amount of documentation showing that I never received the service from the merchant.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We had mortgage with XXXX XXXX  from XXXX. When pandemic start we took 6 months forbearance from bank and we have been told there is no penalty or extra interest for not paying mortgage for 6 months. Everything what we did not pay is going to extend our payment period for 6 months. In meantime XXXX sold our mortgage to Carrington and they told us that all terms what we have with XXXX stay the same. In XX/XX/XXXX we continued to make regular mortgage payments to Carrington. They send us 3-4 times done papers to sign regarding forbearance. We did and I find out how they charge me almost {$8000.00} for some extra interest for not paying mortgage and plus they extend my paying period for 2 more years. If I want to left them and go with another lender, I have to pay them more then my original mortgage was 6 years ago, regardless I already made around {$80000.00} in payments toward mortgage. I called them and they refuse to go anything yo correct that. They said how I sigh to be agree with that, I wouldnt never sign something like that if I havent been somehow tricked to do that, or mislead with some high profile language where I didnt understand everything correctly. I think that their actions is wrong and damaging for me without any reason, especially their refusing to fix it. I am not able to hire law firm to finish my business. 
Think you for understanding,
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. XXXX or XXXX other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX XXXX XXXX reports invalid fraud lent information stating a address I did n't live within I also have proof to prove my report and also they reported I owe something to them but I do n't owe anything because I left due to domestic reasons and it was on the news. The original report was made back in XXXX/XXXX/XXXX but I am no longer even in that place and still putting unverified information on my report this information is not correct and not valid. Date of my last activity was not XXXX,
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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
Product: Mortgage

Mr. Cooper makes it incredibly difficult to actually speak with a live agent ; forcing self service and messaging as the sole option. On XX/XX/XXXX I contacted them to advise not to [ ay my home insurance as i was changing companies. That simple request took two phone calls, five minutes of menus and once I finally reached an agent I had to be transferred. My message to them sharing my frustration in their online message center was met with a response explaining how to notify of insurance changes, This had nothing to do with my message. I had similar frustration om XX/XX/XXXX trying to determine if the premium to the new carrier had been paid. When I finally made it through the menu to reach a live agent their system disconnected the call. Again I contacted them via the message center, They responded on XX/XX/XXXX that my premium had been paid on XX/XX/XXXX. I just spent nearly 20 minutes on the phone again ( XX/XX/XXXX ) as I see no escrow disbursements in my account. XXXX advised me no payments had yet been made and it was scheduled to go out. He agreed to send via overnight delivery.. The information I was trying to obtain in all of these interactions can not be fulfilled via self service. There seems to be an effort to force self-service for all transactions, even when it is no the appropriate venue. To me, this would seem to violate regulations around XXXX and is incredibly frustrating. Thanks.
Product: Credit reporting or other personal consumer reports

I Hired XXXX XXXX, so I did not have to file bankruptcy. Years ago to take care of all this. I paid them but it doesn't look like they didn't do what they said. so let me start from the beginning. XXXX my mortgage com. sent me a letter asking me if I am wanting a modification. I was having a hard time paying my bills at that time. The payments we low. I Sign the paper and send it in.But it was no modification, they refinance me for 30 years. Did not know right away until I seen my maturity date XXXX, I thought it was a mistake. Because I was XXXX years old. Hello, they sold my mortgage to XXXX mortgage because they knew I was mad.so here I am! Been here 25 years. With a XXXX mortgage. And a bad credit report. On XXXX making XXXX a month and now XXXX XXXX XXXX. And trying to figure out how to pay my XXXX mortgage balance. I see a lot of things wrong on credit report. I have a XXXX IRA with XXXX along ways to go. And if I thought I own anyone money I would pay. I take care of my business and pay my debts. Thanks XXXX XXXX XX/XX/year>.
Product: Credit reporting

Trans union is charging me XXXX dollar every month buy their services are do weak Over the phone. They do n't protect the members customer service which is in XXXX doest know what is credit score is or how they can assists me. Previously deleted items after investigation that they does belong to me were inserted after several months latter. They have mislead me and became bias which is FCRA violation.
Product: Vehicle loan or lease

I have had issues with Friendly Finance Corporation : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX We have requested a full statement several times and even fax multiple request and still no Statements. 

We fell behind on our payment and negotiated a Bi-Weekly payment of {$250.00} which has been deducted several time from our accounts in the last several months. They have constantly reported missing payments on our ( my spouse and I ) credit report and will not supply a statement as to how and if our payments are recorded. 

We are dealing with several agents from friendly finance and the harassing phone calls at work. We have specifically requested both verbally and written for them to stop calling my wife work but they will not stop. They have both our cell phones and prefer to call my wife 's work. She has been reprimanded by HR as they call and introduce themselves as Friendly Finance and asked HR multiple times if the vehicle was park at the office as they would like to know in case they need to repossess the car. 

Friendly finance has continue to harass us - debit and collect payments from us and refuse to give us a statement while reporting missing payments on our credit report. 

We have also called to request a statement as we are considering options to pay off the loans.
Product: Vehicle loan or lease

Hello, on XX/XX/year> I called at XXXX American credit acceptance to work out a payment plan to get my car back from repossession. I originally let them know I was going through bankruptcy & I wanted to leave my car loan out of the bankruptcy & work with them on a payment. I asked the rep if there was a way I could have an extension on the account and I pay a month bill and get my contract restructured & he agreed. Later at XXXX I called back to see if I could get the loan restructured and the agent was very rude & didnt allow me to speak. The agent also hung up on me. I called back again to speak to a supervisor at XXXX and the supervisor stated they were going to escalate the matter. I told them I was going to report them to the consumer agency and sue them for customer mental abuse & slander during a stressful moment in my life. I asked them to let me get my vehicle back & restructure the lease & they still said that it wouldnt be a guarantee. They currently are charging me {$510.00} a month with a 24 % interest rate & I am now finding out even the interest is illegal in Florida to be this high. I want to take full action on this company soon as possible. American credit acceptance phone number is XXXX / complaint Thank you
Product: Mortgage

I originally applied to refinance my mortgage with Flagstar Bank on or about XX/XX/XXXX. The original loan estimate was for a {$640000.00} mortgage at 3.125 % with XXXX points. I have responded to every request for documents, usually within an hour or two of the request. My credit is very good ( XXXX  score around 750 ) and we got a good appraisal of {$850000.00} dated XX/XX/XXXX. On that date the only thing we were waiting on was the appraisal, and when that was delivered I thought the closing was imminent. Because of delays and apparent understaffing, mismanagement or incompetence at Flagstar Bank, however, no closing occurred and that original mortgage morphed into a {$640000.00} mortgage at 3.25 % with XXXX points, and now they are offering a jumbo mortgage of {$680000.00} at 4 %. I have been very diligent in communicating with them, and usually I must wait a week until I hear back from them, if ever. I have left numerous phone calls that have not been answered. I believe I have missed the best opportunity to refinance my mortgage and get in a better position financially because of Flagstar Bank 's incompetence, mismanagement or incompetence. Their online tracking tool originally showed a closing date of XX/XX/XXXX, then XX/XX/XXXX, and now here I am a week later and there is still no closing in sight. I am hereby requesting your assistance to get my mortgage refinance completed at something approaching the original terms.
Product: Credit reporting or other personal consumer reports

On XXXX I was contacted by XXXX via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called XXXX XXXX XXXX at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against XXXX for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that XXXX is acting unlawful. 

This filing is also being sent to XXXX AND EQUIFAX as the updated FTC Report. 

Furthermore, EQUIFAX on XXXX DENIED my request to remove XXXX  noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!
Product: Credit reporting or other personal consumer reports

I have contacted the loan people spoke to them they said they have closed it. it's paid .they advise me to dispute it because as far as they concern it is closed. But it is still on my credit report please remove and update my score. My is score is XXXX reading XXXX? When it's XXXX please!
Product: Debt collection

Dear XXXX XXXX XXXX, XXXX, XXXX, and XXXX I am writing to dispute an account that is appearing on my consumer report. The account, with account number XXXX, is over 7 years old and should no longer be appearing on my report. I request that you take immediate action to remove or delete this account from my consumer report. 

As a consumer, I have the right to have accurate and up-to-date information on my credit report. The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies remove any information that is inaccurate or outdated. The account in question is over 7 years old and, therefore, should no longer be appearing on my report. 

Furthermore, I would like to grant your company the opportunity to amicably resolve this matter. I request that you take the following steps to rectify this issue : Confirm that the account in question has been removed or deleted from my consumer report. 

Provide me with written confirmation of the removal or deletion of the account from my consumer report. 

Take any necessary steps to ensure that this issue does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. Please contact me at your earliest convenience to confirm that the account has been removed or deleted from my consumer report. 

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

I have attempted on three occasions to get this issue rectified with Executive Office of Well 's Fargo. I was approved for a three month COVID forbearance plan which ended in XX/XX/XXXX. My payments were to be restarted XX/XX/XXXX. I paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( which was the last payment ). I called the company in XXXX as I noticed the account was not updated correctly with the successfully received payments. Instead, my account was immediately closed and N/A was listed for those months as if they have no recollection of receiving my payment. They are in direct violation of the Fair Credit Reporting Act as this information they are providing is false and the accurate information as not been updated. Failure to correct it is a direct violation of the FCRA. I received a letter from them and a telephone in regards to this situation. The specialist XXXX in the Executive office said " it would take a month or so for the account to update. '' However, that is not true and it has not. I called again and was told I completed a year 's COVID 19 forbearance and that is not true. I have documents of the three month ONLY COVID forbearance plan that was initiated and the ONLY thing that I have ever agreed to with them. I have paid them in good faith for three months and they have refused to update my credit report. They have caused MORE harm by just quickly closing my account and NOT doing what should have been done which is report my account as positive to the credit bureau. However, they would be so quickly to report it if it were negative. I am so dissatisfied and unimpressed by the Executive office at Wells Fargo. It is a complete joke. I called about four weeks ago and was promised a call. No call and no more follow up notices by email. This is insane.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS CUSTOMER STATEMENT AS IT IS NO LONGER REQUIRED ON MY EQUIFAX CREDIT REPORT. 

I DID NOT AUTHORIZE THIS COMPANY TO PULL AN INQUIRY ON MY CREDIT REPORT NOR DID I GIVE THEM MY SS # OR BIRTHDAY AND IM VERY CONCERNED HOW THEY GOT THIS INFORMATION/ PLEASE DISPUTE THIS INQUIRY ASAP/
Product: Checking or savings account

My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Early this year I have closed my account Checking Account XXXX and my Overdraft Line of Credit account XXXX with Citizens Bank. XXXX XXXX XXXX XXXX, XXXX XXXX It took a while to ascertain that all the balances were XXXX before the account was closed. I never received a written confirmation of the account closing. 

In early XXXX I noticed that Citizens bank reported a 30-day past due balance on my account which significantly dropped my credit score. I reached out twice to the Citizens ' customer service with the rep always assuring me there's no balance one my account  and that they are not sure of the origin of the adverse credit report information. 

When I finally got on the phone with a more senior rep named XXXX and can be contacted at XXXX, I was informed that I somehow have a {$7.00} balance on my account and since I have no account with them, I can not get a bill - neither in the form of a letter, or a phone call or an email. And the late fees are accumulating, and the fact that I am not paying is leading them to report to the credit agencies.
Product: Debt collection

In or around XX/XX/XXXX my daughter was in a car accident in which my car was a total loss. My gap coverage only covered a portion because during Covid 19 Honda Financial allowed us to put a few payments to the back of the book if there was a financial hardship. I was left owing over XXXX dollars. I continued to pay Honda Financial XXXX a month even though I no longer had my car. Some months I paid XXXX dollars. I paid it all the way down around XXXX dollars. Honda Financial told me I had to pay the whole XXXX at once or they were going to place it on my credit as a Charge off and it would affect my credit. I never paid Honda late since purchasing my car in XXXX. I was told because I never paid late they would let me continue to pay the XXXX. I had only 3 payments left when Honda Financial placed it on my credit. My credit drop almost XXXX points. I worked hard for my credit. I was in contact with them. I never paid them late and for them to place 3 payments on my credit was very disheartening. I worked hard for my credit and it was an honest debt so I continued to pay even after I no longer had the car. Please help me. Im a XXXX  parent with XXXX kids trying to do the right thing. I just want them to remove that charge off and let me pay it. Someone has to regulate these companies. Honda didnt take me to court because they knew the judge would throw it out because I was paying them and they refuse to take the payments even though I only had 3 left. Im going to try to take them to civil court. Thank you in advance!
Product: Mortgage

So XXXX XXXX and i am so XXXX, theyre giving us a hard time. So much effort, money and time. We are supposedly to be treated equally. We dont deserved these. 
On 1st week of XX/XX/XXXX, I requested and inquire about Loan Assumption since we have an FHA Loan, our mortgage is assumable per their office. They ( XXXXXXXX XXXX-Lakeview/XXXX ) sent the Loan Assumption Packet dated XX/XX/XXXX and was receive only on XX/XX/XXXX which need to be filled up, signed & w/ completed requirements, Within 30 days grace period and need to be submitted on or before XX/XX/XXXX. So i was rushing, emailed on XX/XX/XXXX and waited for more than month and has been denied due to XXXX missing legal document, which Deed of Transfer If i dont call them, we will never know what is missing, not updating us the status nor any progress of our application if i dont bothered calling them almost everyday, we are waiting for nothing. We have the right to be informed what is the progress or if we are incomplete even thru mail or email, Case Closed. 
So we asked them if they can open a new case. 2nd Case for Loan Assumption Packetmade on XX/XX/XXXX, received loan assumption packet only on XX/XX/XXXX thru mail. So, immediately emailed on XXXX again w/ registered from XXXX XXXX deed of transfer - transfer of ownership. We spent a lot of money, lawyer, docs & property tax. And we are definitely sure, we completed the application and again denied dated XX/XX/XXXX by calling them XX/XX/XXXX. Ive been asking them what is the reason, and no reason, they dont know., so inefficient, disorganized. This is my XXXX child sho love this home, we fought to win back this house from foreclosure. We got this home back to us again. Thru your help because we begging fir your assustance. 
We really really need your help. Please help us, whats is going on. 
Emailed again all dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX