23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial XXXX, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then Onemain reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at One Main threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!
Product: Credit card or prepaid card

Dear Sir/Madam, We have Amex gift card that was used to buy XXXX furniture at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Because of unfortunate life events, my sister had to move to XXXX from XXXX  and we returned furniture to XXXX. XXXX returned money to the Amex Prepaid card. We returned items that are valued more than the Amex prepaid gift card, which we pointed out the XXXX representative at the time. She informed us that since she didn't get error, we should be ok and the gift card is like credit card and the total amount will be there. Total amount returned was {$610.00}. This transaction was done on XX/XX/2020. 

While moving from XXXX to XXXX the gift card got misplaced. We found it later. While trying to use it after a year, we found out there is no balance on the Amex prepaid card. So we inquire with Amex customer service, we were informed that since the amount was more than the prepaid card, Amex returned the fund to XXXX. 

We called XXXX customer service, and was informed that they can't see this transaction online and we have to go the store. We live in XXXX XXXX and it is not possible to go to XXXX. I couldn't find the solution and want to see if cfpb can help us. 

I have return receipt. Amex customer representative email and XXXX customer representative emails. Please let me know what can I do to resolve this issue. 

Best Regards, XXXX XXXX XXXX
Product: Mortgage

I have been asking for assistance to stay in our home. I lost my job back in XXXX as an XXXX XXXX XXXXXXXX due to a lack of work. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My wife and XXXX daughters are just trying to recover from this nightmare and now have the income to afford to stay in our home however Citadel is not or has not helped us to date. Citadel reevaluated our escrow mutiple times in the same year leaving us paying a substantially higher amount for the entire period I was out of work. This seems illegal as all of a sudden they said we were short like XXXX XXXX dollars in escrow. We have been trying to get a mortgage assistance package approved for a long time, they are always asking for something else saying this is missing or that when we already uploaded what they've asked for. When we bought the house I'm XXXX  we agreed to pay XXXX a month, they had us paying XXXX a month for 6 months while I was unemployed. I only owe XXXX. This is too much money. They seem to not want to help. I now work for USPS, this is a good job. What more do they want? Please help!
Product: Credit reporting or other personal consumer reports

Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. XXXX XXXX is imperative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Im revoking all rights of them communicating with you through XXXX text/calls In your dispute letter your requesting debt validation. 
Your also requesting the purchase agreement between them and the original creditor. 
Youre also requesting that they furnish proof that they are licended and bonded. 
DEPTEDNELNET
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with AAFES ( Military Star Card ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, XXXX, and XXXX Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is XXXX  years. 

Please help to remove and expunge this debt immediately. 


Thanks so much! 

XXXX XXXX
Product: Student loan

Ive  am sti ll paying for a Student Load  (   XXXX   XXXX   XXXX   ) si nce   XXXX    .The original loan was    XXXX  Dollars I am still paying extremely high late fees and high interest for over 20 years later for this loan due to a default. .I make prompt monthly payments.Can you help help me?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to pull my consumer report or to open any accounts in my name. This is Identity Theft. Please remove all attached items.
Product: Credit card or prepaid card

I had a XXXX card thru Wells Fargo for my floors. Received it around XX/XX/2020. Started losing jobs but i did my part and called Wells Fargo. They held off for a couple of months I made payments. Every other company made arrangements because covid just kept on getting worse. Instead Wells Fargo stated they could only extend assistance for a few months then everything would go back to normal. Meaning fees, interest, balance due. 
But covid made things worse. Wells Fargo didnt see it that way and closed my account within less than a year and reported me to credit bureus. I tried to make arrangements but was told because my account had a discount of no interest for a year i had to wait until that year was up. When it was i was hit with all the interest. I went from $ XXXX to XXXX. I was able to continue making payments but the balance hardly went down because i was still getting hit with late fees and more interest every month. 
My credit is done. My pockets are done and the only option that was given to me was {$110.00} per month to stop the interest on a XXXX balance. I py it biweekly and it still doesnt make a dent. 
Now i see news reports that Wells Fargo just settled for wrongful closures and practices in the tune of $ XXXX. Im not looking for money because i know i owe them but i need my credit report corrected and assistance in lowering this unjustly balance during the height of covid. 
Can someone please help me? 
Thank you
Product: Debt collection

Pioneer Recovery has just taken over my student loan without my knowledge after I had filed a complaint with XXXX and is harassing me and my family and my work place looking for me. While I am trying to straighten things out with XXXX I would like them to stop the phones calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to make a dispute for my account against XXXX, they have closed my account when i try to make an order so i shouldn't have been charged or received anything..there is four transaction that american express needs to understand, XXXX  closed my account and there no way for me to make a contact to them. I can't even send them a message. I want my money back! and I hope nobody else is going through what I am this is why I am here as well. 

I'm fighting against XXXX and I hope american express could understand. For my XXXX XXXX Card 1 ) XX/XX/XXXX XXXX XXXX {$230.00} 2 ) XX/XX/XXXX XXXX XXXX {$250.00} 3 ) XX/XX/XXXX XXXX XXXX {$210.00} 4 ) XX/XX/XXXX XXXX XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a credit inquiry made on my report by XXXX XXXX XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being investigated.
Product: Mortgage

I have not received my XXXX statement which will show the XX/XX/XXXX payment due details. It is now the XXXX of XXXX. I have already made the payment but after contacting the lender Shellpoint Mortgage Servicing several times they have not provided an answer or reason and have only emailed me the XXXX statement which I already have. Not only have I not received it, it is not on the website via my login as with all other months. This is highly unusual and is very deceptive in that they are not providing me with the statement.
Product: Mortgage

I surrendered the home in my divorce in XXXX. My ex-husband was not able to refinance the mortgage and fell behind. Several lawyers advised me that I would have to file bankruptcy to prevent the mortgage company from attempting to collect the debt. The bankruptcy was XXXX in XXXX, including that mortgage. That account showed " included in Bankruptcy '' until earlier this year when ShellPoint Mortgage acquired the loan. A new open mortgage appeared on my account showing missed payments, and in foreclosure. The account was listed as an open, individual loan in my name for that property on my credit report. 

I contacted ShellPoint and spoke to Loan Mitigation XXXX XXXX XXXX. She informed me that filing bankruptcy did not do anything to keep me from being liable for that debt, and that the company could legally report the information on my credit report. She said that the information would remain until my ex-husband made 3 trial payments and they received a copy of the divorce decree and quitclaim deed. I also spoke to a gentleman in Account Services about the incorrect information on my credit report. I advised him that the account should show closed and the comment should state " XXXX in bankruptcy ''. He said that they would not remove the information and that they had every right to collect on the debt, even if I had released it in bankruptcy. There was a notice before that call that it was a recorded conversation. 

I have repeatedly sent the certified divorce papers and quitclaim deed. XXXX continued for several weeks to say they have never received them. Today she has claimed that they received them, but they have to make sure that it " suffices to remove me from the loan ''. Also, she continues to claim that payments haven't been made, despite proof my former spouse has provided that the money was sent and withdrawn from his account. 

ShellPoint has blatantly violated Federal Bankruptcy laws as well as the Fair Credit Reporting Act. They have bullied me and outright lied about my rights as a consumer in an attempt to collect a debt that was XXXX in bankruptcy. They have provided inaccurate information to the credit bureaus to be filed on my credit report, and refuse to remove it. They hold my credit XXXX while they attempted to collect a debt from my former spouse. I have filed disputes with the credit bureaus, but the disputes cam e back that ShellPoint verified that the information was correct.
Product: Credit reporting or other personal consumer reports

RNN Group LLC called my employer to verify my employment. I have not applied to anything recently to warrant an employer verification, nor have I given any agency or business permission to verify my employment. I called RNN Group to find out why they were calling and they asked me for the last four of my social security number. Then they told me that they called my employer by mistake and that they had the wrong name. Seems like a lie and seems like either a scam or they are violating collection rights. I dont have any bad debts that Im aware of to collect on so I have no idea why they are calling. They would not tel me why.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have failed to fulfill their 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 XXXX, 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 XXXX and Equifax have 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 XXXX 's inaction violates federal law and my rights as a consumer. 

I sent XXXX dispute letters by mail to both XXXX and Equifax XX/XX/year> and again XX/XX/year> with proof of identity.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple written disputes to Equifax credit bureau regarding the extreme amount of inaccurate information and balances that are reporting on my credit report. The 1st letter that sent, via certified mail, was on XX/XX/XXXX. On XX/XX/XXXX, i received a online notification that an investigation was in progress. On XX/XX/XXXX, i received notification that that an investigation was completed ; the inaccuracies remained on my report and they continued to violate the law. Equifax also failed to grant my request to provide the original documents/ signatures used to verify that the information was 100 % accurate along with FRCA guidelines. Also, on XX/XX/XXXX, I mailed in a follow-up dispute to challenge the inaccuracies, and i also the requested the method of verification as well. As of XX/XX/XXXX, I have not received any correspondence from Equifax. The company continues to violate the FCRA by reporting erroneous information that is damaging to my credit report. Below are the following accounts that I have disputed with Equifax : XXXX XXXX Balance- $ XXXX Reporting as 11 charge-offs, along with an inaccurate balance and reporting. XXXXXXXX XXXX : Balance- $ XXXX Reporting inaccurate information as a charged- off account, along with incomplete information. Equifax continues to report as 100 % accurate and verified. XXXX  : Balance- $ XXXX XXXX XXXX XXXX XXXX was recently listed as the creditor reporting on this account. I requested validation of debt directly from the XXXX XXXX, via certified mail, and they refused to comply. Equifax removed XXXX XXXX XXXX as the creditor and added XXXX. This information is inconsistent with the information report my XXXX credit file. XXXX XXXX : Balance- $ XXXX Incomplete information and an inaccurate balance. XXXX- $ XXXX XXXX- Balance- XXXX XXXX Listed as a duplicate. XXXX XXXXXXXX XXXX XXXX XXXX Reporting inaccurate information that there is a past due amount of {$2600.00}. Equifax has failed to conducted a thorough investigation and to ensure that this account is reporting 100 % accurate. Also note : My name is XXXX XXXX, and I this is not a third party person, such as a credit repair company filing a complaint. I am filing this complaint on my own behalf. The 2 written disputes that I have submitted to Equifax have been sworn affidavits, that requires a signature in the presence of a Notary Agent. I also have receipts verifying that all of my correspondence was sent by certified mail, which bears my signature as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit score went down over 100 points in XX/XX/2020. There were no derogatory remarks on my account and the other credit agencies reported an increase in my scores. I called Equifax, spent well over an hour on the phone and was only offered a free credit report in the mail. Nothing was resolved. Now once again I checked my score today and again they dropped it over 40 points. My scores from all the other agencies are around 600. Equifax has it at XXXX!!! Ive been on time with all payments and working very hard to increase my score for the last 9 months and theyre destroying me.
Product: Mortgage

Wells Fargo Home Mortgage Has not recorded a rescission of a notice of a notice of default as required by California Law ( Assembly Bill 278 ).
Wells Fargo Home Mortgage Has approved the Short Sale of the property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX . All parties have approved the short sale. Proof of funds and financing documents have been provided to Wells Fargo Home Mortgage ( Authorized agent of beneficiary ). As per California Law, Wells Fargo Home Mortgage must record a rescission of a notice of default.
Wells Fargo Home Mortgage has failed to record a rescission of the notice of default.
Please have Wells Fargo Home Mortgage comply with California Law.
Product: Mortgage

Dear Sirs : I was offered and I accepted a forbearance plan, and when applied for modification more than once after that ; it was denied. 

Then I was offered a shorter forbearance plan during which I made 2 full payments, and after that, I was required to pay the full reinstatement amount to satisfy the account, by paying several months, which I obviously and clearly couldntdue to the very same reason I fell behind initially ; when the XXXX XXXX XXXX  ( XXXX ) affected and dramatically reduced our income, and we were forced into adhering to the forbearance plan. 

Subsequent Monthly payments have added to the amount, increasing it to over {$11000.00} approximately ; as of XX/XX/year>. 

We respectfully requested PHH Mortgage Servicing Company to move that balance to the end of the account, as a exception and courtesy, since we now have a lower monthly payment and have no problem covering it, now that I am receiving an additional {$1800.00} a month from Social Security retirement benefits. 

Thanks in advance for your kind attention. 
We are looking forward to be approved for this exception by PHH and the investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

As per FCRA XXXX, we need to remove any incorrect accounts from my credit report. Could you please review the documents? Some accounts have been inaccurately reported, with incorrect amounts and dates.