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

Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$1000.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX verify the validity of the debt owed to XXXX XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

I received a small business loan from XXXX XXXX XXXX XXXX in XXXX. The loan was secured by my house as collateral. XXXX XXXX XXXX  was acquired by XXXX XXXX in XXXX. I paid off the loan in XXXX. Although the loan number has changed over the years due to BMO acquiring XXXX XXXX XXXX the original loan was never discharged or recorded as being paid off. 

The original loan is still showing as a lien against my house which I'm trying to refinance with XXXX XXXX ( BMO currently has the mortgage ). I've tried contacting BMO about discharging the original loan. I've made many phone calls and related my situation to at least 3 different people. I have a rate lock with XXXX  expiring on XX/XX/XXXX. I've already lost {$1000.00} due to the delay of closing my new mortgage and now I might have to settle for a higher interest rate which will cost me even more money. BMO has been unresponsive to my situation. The last conversation I had with them was at XXXX on Friday, XX/XX/XXXX informing me that the person I was speaking with couldn't help me because it was a business loan and I had to contact their business lending department. Everyone I've spoken with was told this was a business loan. WHY DID IT TAKE A WEEK AND 6 PHONE CALLS FOR BMO TO TELL ME I WAS TALKING TO THE WRONG PERSON? This is now a time-sensitive issue caused by BMO 's incompetence and negligence in not discharging my loan over 6 years ago.
Product: Mortgage

On XX/XX/XXXX, I called Mr Cooper regarding 2 past due payments in which I requested a repayment plan. My repayment plan was developed and approved then told as long as I made the payment by the end of the month I would be ok. My repayment payments are XXXX from XXXX - XX/XX/XXXX and XXXX payment was successful. On XX/XX/XXXX, I made my payment of {$670.00} and cleared my bank on XX/XX/XXXX. Due XXXX XXXX deceptive practices, I monitor the mortgage account 3-4 times a month. OnXXXX, I reviewed the mortgage account only to find they made reversal starting XX/XX/XXXX. In addition, approved in XX/XX/XXXX was canceled without any notification from them. My XX/XX/XXXX payment was reverse and Mr. Cooper where they told me several reasons that did not make sense. Then it reflected there is a payment due XX/XX/XXXX in the amount of {$710.00}, a reversal for {$670.00} and {$530.00} ( did not process a payment for XXXX ) Mr. Cooper states they do not know why payments were reverse because there werent any notes. Ive gotten 3 different answers none of which makes no sense. The tactics that being used to affect my mortgage payments, to foreclose and stress me into selling my home to cease and desist. I would like to stop receiving calls from XXXX XXXX to sell my home. I have been in my home over 45 years and would like stay in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 Student loans that are reported on my credit that are more than 7 years old. The timeline for reporting debt to a credit report is 7.5 years and these debts are well over that. The government plays games by selling your debt or changing the name of the loan or debt management company that has your loans. Why would my loans be transferred to a debt management company when I haven't asked for any debt consolidation? Not to mention I was never made aware that my loans were being transferred to anyone other than the Department of Education ( which is who I thought the loans were taken out ). Per my research " When your loan servicer gets bought or your loans are transferred, you will receive a notice from your current student loan servicer and a welcome letter from your new servicer. The promissory note that you sign for each new student loan requires both the old and the new servicer to notify you of the change. You should receive a letter from each of them when there is a service transfer. You may also receive notice from the Department of Education if your federal student loans are being transferred. " I have attached all of my loan information, also the information showing when my loan entered repayment and all of those dates were more than 7 years ago, so why is it still on my credit?
Product: Credit card

I made a " promotional '' purchase at Lowes in XX/XX/year> for {$2200.00}. When I made this purchase, I was not informed about " deferred interest '' nor was I given any paperwork that disclosed this information. I was told by the store employee that interest would begin being charged when my promotion expired if the promotion wasn't paid off. No one told me that I would be charged {$1500.00} interest 2 years later when I most certainly have paid off the original promotional amount. I have been paying between $ XXXX {$300.00} every month to Lowes , believing these funds were being allocated toward the promotional purchase. This amounts to at least {$3600.00} paid over the course of 2 years since that promotional purchase ( {$1300.00} over the original promotional purchase ) Instead, Lowes has been applying my funds just to the interest charged monthly on my account balance. When I would pay above the minimum payment, my next minimum payment would be raised above what I paid the previous month with constantly increasing interest. Trying to pay off this card was becoming nearly impossible with the interest preventing me from touching the principal balance, and the {$1500.00} interest that was charged in addition to the standard $ XXXX monthly interest made for {$1700.00} charged to me in just interest. I contacted Lowes card customer service about these issues ( the exorbitant interest charged on expired promotion, and the inability to allocate my payments to said promotional purchase ), and they closed my account so now I can not access any of my purchase information until I receive a new card. This did not solve my issue and in fact just adds to my predicament as I now can not access previous statements, current activity, etc. 

A representative at Lowes also told me there was a specific option when paying online or on the phone to direct my payment toward promotional purchases ; however, no such option exists either online or on the phone. My options when paying online are : payment amount, payment date, and account to pay from. When attempting to pay over the phone, I am directed to make my payments online, and proceeding through the unnecessarily long process to pay over the phone also does not provide that option. So, trying to pay off promotional purchases are made as difficult as possible, and customers are deliberately misled so Lowes and Synchrony can profit. 

I feel this is all very predatory and people should not be tricked this way.
Product: Debt collection

Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$450.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing 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. Investigation report number is XXXX completed on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

XXXX ' XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I sent a letter to you disputing XXXX accounts as erroneous on XXXX certified mail, return receipt requested. I received notice in the mail that you received the dispute on on XXXX. It is now XX/XX/XXXX and I have not received a response from you. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely, XXXX XXXX
Product: Debt collection

Dish company has tried to collect a debt I do not owe. Dish turned me into collection agency early last year and after I provided all documentation the collection agency at that time removed me from the debt. This was removed in XXXX XXXX. Now a XXXX collection agency is trying to collect this " so called '' debt again. It is possible for you to look at the XXXX main credit card reporting companies to review my case. I thought when this was removed from my report that year I was done with this case, Some of the paperwork or documentation I no longer have as I did n't think I would need. Can I bring legal action against the XXXX XXXX for trying to ruin my credit. If you look at my credit reports you will see I have excellent credit. Also the collection agency XXXX has now gone through did n't even bother to send me a letter or any correspondence that this was going on my credit report. The balance XXXX say I owe is {$430.00} which is very much not correct. This case started back in XXXX of XXXX. Please advise what to do. This is so wrong what I have been through with this company. Would love to expose this company for their rotten tactics. Please advise. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation onXX/XX/XXXX, and the credit bureaus are taking too long to respond.
Product: Debt collection

I Have made numerous calls to get information on a separate debt after pulling credit report. Contacted debt collector listed and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted them today to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$34.00}. I stated that my credit report showed something else and that is when she stated I had this one too. When I explained that I was not aware of this bill nor does it show on my credit report the agent told me I still had to pay it. I spoke Paramount Recovery to a XXXX today XX/XX/2022. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX XXXX, myself and Paramount Recovery. This is not the case. I have not signed any documents with Paramount Recovery ever.
Product: Debt collection

On approximately XX/XX/XXXX I responded to a claim for received medical care XX/XX/XXXX. I informed Online Information Services in writing that the claim was fraudulently made because I was attending Technical Training for the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I have continuously provided certified documentation only to have them say that it wasn't good enough. I've completed the companies fraud application, provided proof of military service, bank records to show that I was not residing in AZ during the period of service, copy of passport and state ID. I hold a XXXX XXXX XXXX and I am concerned that this companies failure to communicate will put my career in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX  XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX  XXXX XXXX Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX  XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX  XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Product: Mortgage

On this data, XX/XX/XXXX, Freedom Mortgage Corporation ( FMC ) refused my payment to bring the account current. I called in and spoke to 3 people, 2 supervisors, XXXX, XXXX XXXX XXXX? ) & XXXX. Each one of them refused my payment outright. I asked repeatedly for them to take and they all denied the request. I am willing, able and eager to bring the account current yet FMC is using revenge tactics to block stifle this account from being accurately processed.

I am still unable to make a payment online. FMC has blocked my online account since XX/XX/XXXX. I tried again this afternoon to get online and was denied access with no explanation or reason as to why they are blocking my access.
Product: Student loan

I attended The XXXX - XXXX from XX/XX/XXXX-XX/XX/XXXX. The school used all my information to take out the loans for me to cover the expenses. However, I was signed up for expensive subprime loans that they knew were going to fail. I was denied income based payments after the grace period. After graduation I was making $ XXXX/year as a XXXX with loan payments of over $ XXXX/month. I also believe they failed to properly allocate my monthly payments I was giving them. The payment was broken up over XXXX different loans. I have also been denied the option to consolidate. Some loans are extremely low interest while others are very high with large balance. Was only allowed to consolidate my federal loans. I have never missed a payment so why am I still being punished? Currently, XXXX loan is at 11.125 % with a balance of {$9900.00} while another is at 4.25 % with a balance of {$8600.00}. They allocated my payments to pay off the loans with the lowest interest rate first. Resulting me to have higher interest fees over the life time of the loan. XXXX of my loans have been paid off and the rate range was 2.36 % - 6.80 %. My current loans with balances range from 4.25 % - 11.125 %. This is also after the slight deduction for having automatic payment set up.
Product: Mortgage

The company put the mortgage account under someone's XXXX who never owned the property. I have tried for XXXX XXXX to prove that person never owned the property. They continue to provide tax information and all of it has the wrong XXXX. I have provided the trust documents and they still refuse to put it under the proper XXXX. I have gotten a lawyer involved and they still refuse to change the information. There is not one person to go to so you have to explain the situation to a different person each time you call. 

The company is SPS ( Select Portfolio Servicing ) In XX/XX/2022 I reached out to change the account name because the Account name because the account was associated with grandmother not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead of updating the account name to match the SSN they updated the SSN to match the account name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided various documents proving she never owned the property but company has not changed the information. They agree that the property belongs to me but they have so many departments that can not interact with XXXX another that nothing has been done. I need to file taxes but they continue to provide erroneous tax information
Product: Mortgage

I received my new mortgage amount from Arvest Mortgage Company which increased from {$740.00} to {$1200.00}. Most of this amount is for the escrow. The house I bought was a new house, and I was informed by the previous mortgage company servicing my mortgage to be sure to add extra amounts to the payment for the escrow account which I did. 

Around XX/XX/XXXX, I contacted Arvest to see if I could work out a better mortgage payment by lowering the escrow amount by {$200.00}. I received a reply that this is what the calculations came up to and pretty much indicated that there was nothing they could do. 

Around XX/XX/XXXX, I contacted them again, telling them I am a XXXX XXXX  on a fixed income and would they please have it reviewed and see what could be done. I received a reply that it would be reviewed and that I would receive a response by XX/XX/XXXX. As of today, XX/XX/XXXX, I have received no response from Arvest.

There are many homeowners in my subdivision that had their mortgages raised anywhere from {$500.00} to {$800.00}. At this point, I am not sure how long I will be able to stay in my home.

Anything you can do to help with my situation would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The dates from XX/XX/2019 thru XXXX of XXXXare dates when my social security number and personal data was compromised and stolen and used for fraudulent purchases and accounts Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting or other personal consumer reports

I decided to cancel my Bank of America credit card after they were unable to initiate a dispute for a fraudulent charge on my account. The following month, I called Bank of America to make a payment. During that call, I asked the representative if this would be my final payment or if there would be any remaining balance in the next billing cycle. The representative assured me that this would be my last payment and that no balance would carry over to the next statement. 

Unfortunately, this information was incorrect. The next month 's statement showed a balance of approximately {$8.00}, which I was unaware of until I noticed a 60-day late payment on my credit report. This significantly impacted my credit score. Despite multiple attempts to resolve this issue with Bank of America and the credit bureaus, including filing a dispute, I have been unable to rectify the situation. I have consistently been responsible with my credit cards, and it is frustrating that my credit score has been severely affected by an {$8.00} balance.
Product: Mortgage

Mr Cooper, loan servicer, failed to pay flood insurance from escrow. We paid insure directly. Customer service not responsive. Link provided to update Ins info, " XXXX '' does not work. Mr Cooper took over loan service but did not advice flood insurer, XXXX, to update them. Mr Cooper cust support does not allow contact with a service rep by phone. Mr Cooper threatens to buy insurance on my behalf that may be less coverage, higher premium. Impossible to deal with these people.