23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a federal worker and qualify for the student loan forgiveness program.I submitted the original certification form on XX/XX/XXXX and a recertification form on XX/XX/XXXX. I have not received any information and/or notifications on my correct payment count. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this issue has not been resolved. Each representative keep informing me that the process takes up to 90 day ; however, it's been almost 20 months since the original form was filed. I am trying to ensure that the correct count is made and that they are not trying to force me to forgo the forgiveness process. No one at XXXX are wiling to help me. They just keep telling me that they will resubmit the forms. I have no clue what to do next.
Product: Mortgage

Wells Fargo owes me all the money I paid for my duplex that they stole from me. It appears they were collecting or foreclosed on a XX/XX/XXXX deed of trust with XXXX XXXX. 

I was not in default when they returned three of my payments in a row. Offered me a modification I could not afford. Then foreclosed 1 business day after denial of revised modification. 

Even more striking is that they were paid anyway in XX/XX/XXXXor XX/XX/XXXX for a fraudulent mortgage that was already released in XX/XX/XXXX. 

I want this fixed and I wand the restitution Wells Fargo was ordered to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 XXXXXXXX Subject : Formal Dispute of Account Information XXXX XXXX XXXX XXXX Dear XXXX XXXX, I am writing to formally dispute the inaccurate information being reported on my credit report regarding an auto loan under XXXX XXXX XXXX, which was opened on XX/XX/XXXX. According to your records, this account has been charged off with a balance of {$29000.00} as of XX/XX/XXXX. However, this account was initially held with Honda, and I made several payments under the original contract. Honda subsequently sold the account to XXXX XXXX, and you are now inaccurately claiming that I made no payments.

Violations Cited : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( b ) : You have failed to maintain accurate records by reporting false payment information. I made payments under my contract with Honda, and your reporting of no payments is in violation of this statute, which requires data furnishers to report only accurate information. Please investigate and correct the inaccurate reporting immediately. 
Truth in Lending Act ( TILA ) - 15 U.S.C. 1639 ( a ) ( 1 ) : As a creditor, you have a legal obligation to disclose any changes in the ownership of the loan. There was no clear notice of the sale or transfer of my loan from Honda to XXXX XXXX, nor were the terms of the loan or the status of payments properly communicated to me. This lack of transparency is a violation of TILA, specifically related to failure to disclose the loan transfer and its impact on the payment history. 
Deceptive Practices - Federal Trade Commission Act ( FTC Act ) - Section 5 : Your actions in claiming that I owe money when payments have been made, and failing to account for those payments, constitute deceptive practices under the FTC Act. This unfair and deceptive conduct has caused significant harm by falsely inflating my debt and damaging my credit standing.

Resolution Sought : I request that you conduct a full investigation into this matter and provide me with proof of the debt as well as an explanation for the inaccurate reporting of no payments. 
I request that you correct the payment history on my credit report to reflect the payments made under the original contract with Honda. 
Should XXXX XXXX continue to report inaccurate information or fail to correct this error, I will seek all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FCRA, TILA, and FTC Act.

Supporting Documents : Attached are copies of proof of payment made to Honda and any relevant documentation showing that payments were applied to the original account. 
Please address this matter promptly, as these reporting errors are causing ongoing damage to my credit report. I expect a response within 30 days of receipt of this letter, in compliance with the FCRAs requirement for investigation and correction of disputed information. 
Sincerely, XXXX XXXX
Product: Credit card

XX/XX/XXXX I signed up for a Wells Fargo XXXX XXXX card to take advantage of a XXXX, no interest financing for an engagement ring purchase. I began to make payments to the outstanding balance appropriately so that the balance would be paid in full in exactly 12 months. XX/XX/XXXX, I decided to add additional wedding jewelry purchases to the card and assume a new 12-month no interest financing offer. I continued to make payments on the card to pay off the first balance by the XX/XX/XXXX deadline. I later discover that the payments were being applied to both financing offers through an inexplicable system algorithm, and that while I thought I was paid in full by XXXX, their system showed an outstanding balance on the first offer. They then proceed to exercise their clause to charge 27.99 % APR on the remaining balance. 
When I called to ask for remedy through changing how the payments were applied to each offer, they alleged that they had no ability to control how the payments were applied and could not give me " credit '' for having paid the first full balance by the 12 month deadline. They then offered to reduce the total interest charge by 25 %, and were unwilling to accept a counter-offer of something which I thought was more reasonable, which still accepting fault for something I ( and they ) could not control. I called to request audience with a level of management above the Supervisor level but was denied. I am disappointed with Wells Fargo Financial National Bank and their inability to accept responsibility for maintaining a system which has full control over people 's financial matters with no ability for human override.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. As a result, I disputed this identity fraud with this company on XXXX, and even filed with the CFPB on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the  Fair Credit Reporting Act to proof my case. 

But until now, this company says the account is not showing but it is with just a few variations now. as I am writing to you, this company is still reporting this fraudulent account contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need to be removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened - XX/XX/XXXX I am attaching the dispute letter/documents I sent, Equifax response and my small claims forms, in case they need to reference or review.
Product: Credit reporting or other personal consumer reports

When it comes to XXXX, they are giving me a very, very hard time regarding my credit report. They are not telling me how the inaccurate information on my credit the report is being verified. Who is the party verifying this? The late payments that is on my credit report from XXXX XXXX is still giving me a hard time regarding this matter. The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX for {$330.00} Account number XXXX  XXXX  XXXX  for {$37000.00} COLLEction Account Number XXXX
Product: Credit card

I did a simple {$700.00} balance transfer from my Citi Bank XXXX XXXX account to my XXXX credit card account on XX/XX/23. XXXX provided me with the cashed check copy. Citi Bank kept saying they never received the check. I provided them with the copy of the check I got from XXXX showing they received and cashed the check on XX/XX/23. Citi bank told me they applied the money to the wrong account and would correct the issue and apply it to my account. Over a month later, Citi bank informed me they reversed the balance transfer and sent the money back to XXXX. A few weeks later, I contacted XXXX and they had not received the {$700.00} back. I called Citi bank on XX/XX/23 and spoke to a supervisor. He told me that Kentucky XXXX XXXX XXXX has the {$700.00} and he refused to provide me with any proof of who or what this company is and proof that the {$700.00} was sent back to XXXX. He said " The money is gone and we can't give you any info on the agency or any proof the check for {$700.00} was sent back to XXXX. It's not our problem anymore. '' So now, I have a {$1400.00} debt on a {$700.00} balance transfer that never went through to anyone and XXXX is saying that since the check they sent was cashed by Citi Bank and not returned to them, I'm responsible for the {$700.00} Balance transfer. And Citi bank says that since they no longer have the {$700.00} Balance transfer because they sent it back, I owe them the {$700.00} as well. I've been fighting this since XXXX and reached the end of the commutation in a stale mate
Product: Credit reporting, credit repair services, or other personal consumer reports

Guardian finance is still reporting on a account that is closed and should be removed its been 7 years
Product: Debt collection

This debt that has been sent to collections has another persons name, and it also has my name and a different date of birth ( which is not my birthday ). I will attach documents showing this debt collection that does not belong to me. This is my 3 rd attempt trying to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because a charge-off and collection account with Ford Motor Credit account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX , XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.
Product: Mortgage

Select Portfolio Servicing ( SPS ) has now contact family member in attempt to harass me for a mortgage loan that was dismissed by a judge. I have made prior complaints on SPS for leaving notes and taking pictures of my property every month on Saturdays, but now they are calling my relative in attempt to humiliate me more. I want SPS to stop with harassing tactics and leave my family and relatives alone. Please advise,
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor. 
Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX  XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing XXXX XXXX which has been closed and satisfied long ago still on my credit report. This account needs to come off of my report. 
It is also showing XXXX account which is not my account, it was closed but it is still showing up on my credit report. This also needs to come off of my report. This is stopping me from getting a car.
Product: Debt collection

Portfolio Recovery is illegally reporting an alledged debt on my credit reports that is not mine.This alledged debt reports as account # XXXX on report ( s ), This company has violated my rights under the FDCPA and FCRA. 
I mailed letters certified to the credit bureaus disputing the inaccurate, injurious and erroneous information that is not mine.I also mailed a validation request that was mailed certified as the dispute letters all article numbers availible upon request This company responded to my validation request by sending paperwork that has nothing at all to do with me, Another violation committed by this company is continued collection activities, This company may also be liable for willful non- COMPLIANCE as it knowsor should know that the allledged debt they continue to report in my credit files are inaccurate, erroneous and injurious to my credit standing and overall financial status. 
I plead with the CFPB to assist in this matter.I want all this false information remove from my credit report ( s ) IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XX/XX/2022 - The collection agency manager XXXX was threatening not to accept my payments and was XXXX me. She demanded my XXXX info before answering any questions.
Product: Credit card

Bank of America is reporting an adverse credit card account on XXXX XXXX which I was placed as an " Authorized User ''. I wish to have this removed from my credit file and not be an authorized user on this account. I would like this deleted immediately off my credit file on XXXX XXXX and any other credit bureaus they are reporting this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many letters to Experian, XXXX and XXXX about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.
Product: Mortgage

to whom it may concern ; i 'm writing this note because i 'm looking for some guidance in dealing with a situation which i 'm unfortunately stuck in and can not seem to extricate myself from. 
I started a mortgage modification process with XXXX almost 2 years now. while going through the modification process, XXXX apparently sold my mortgage to Shellpoint Mortgage Servicing with a P.O. in XXXX MI. 
I was n't very comfortable with how the process was proceeding so I requested to resume my payments to avoid further delinquency while we get the modification finalized. they returned my payments stating they can not accept payments while going through the modification process. 

here is the problems i 'm currently going through. repeatedly sent loan modification documents for 1.5 yrs now. bank keeps asking for more documents or claim they have not received documents sent. 
I engaged the assistance of a mortgage counselor just to ensure that the problem was n't with me. we gathered the documents requested, but every time we 've been to court they indicate to the judge that they are still missing documents. 
most recently I received an email from their attorney that my modification was declined because they did not get the information requested or there are documents provided in non pdf format and they could not view. when I saw the list of items they claim they did not get, it was the 1st time ever seeing them. in addition, I 've been submitting scanned documents in jpeg format for quite some time so not certain why after all this time they are not able to view. all this after receiving a letter from them on XX/XX/2017 that they 've " received your complete request for a loss mitigation program '', and they are currently reviewing the package to determine if the referenced loan qualifies for one of their programs. the notice i got from their attorney that they are missing information was on XX/XX/2017. 
I 'm now submitting a request for an Order of Mediation with the courts, but I fear that the bank will continue with the same practice of not really evaluating the application while my principal balance continue to balloon. 

Please help. 

thanks
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX