23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech makes up amounts for payments and late fees. They misapply payments and late fees to create defaults. I have complained to Ditech numberous times about their practices. They refuse to do anything about it. I have requested a copy of a default letter to provide the date. They refuse to provide it. When i call my appointed representative, it ALWAYS goes directly to voice mail and no call back is ever received, even when Ditech is given express permission in the voice mail to do so. They are a corrupt and fruadulent company and need to be shut down. In XX/XX/XXXX, I cured a default, which included lates fees. Today, I called to let them know I was curing another default, supposedly complete with late fees. When i asked about the late fees, I was told that they have some fees from XX/XX/XXXX and XX/XX/XXXX. I explained to them that this was impossible as the amount paid in XX/XX/XXXX brought the entire account CURRENT, INCLUDING late fees. Still, this default is for 2 months of payments and late fees supposedly. My late fees are {$41.00} and I was told and have it on RECORDING that they can not raise my late fees. I have been charged as much as {$100.00} in late fee, even though they tell me that by law, they can not go over the {$41.00}. Today they are charging me {$160.00} in late fees, which does not add up to two late fees or even three late fees. Not to mention a late fee was included with my payment for XX/XX/XXXX. My payment is {$1200.00} and I paid {$1200.00} Where did the additional money go? Green Tree is not applying payments to my account correctly and admitted as much today when they claimed they were still charging me for late fees in XX/XX/XXXX and XX/XX/XXXX!!! Then the rep changed the story when I told her it was IMPOSSIBLE that there'd be any late fee prior to XX/XX/XXXX still owed on this account. Someone needs to ensure that this company applies funds correctly to all consumer accounts. If they can not do so, then there are plenty of financial institutions who will.
Product: Student loan

got a student loan XX/XX/XXXX never graduated but XXXX sent certificate anyway the loan was for XXXX moved around a lot but finally tracked down. i paid when i could and when i could not they snatched my and my husbands federal and state taxes which totaled over XXXX dollars.then XXXX sold the contract to navient and i still owe XXXX dollares now navient is going to garnish my wages again thank you for any help you can give me XXXX. XXXX. the school was computer processing institute in XXXX ct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card that I have never used. XX/XX/2020 I called customer service to ask for an annual fee waiver and close the account. The representative agreed to waive the fee and suggested to keep the account open and to increase my line limit. I accepted the Rep deal. I just found out that I am overdue and my credit score was hit with a XXXX points drop. XX/XX/2020 I called the customer service line, spoke to an agent # XXXX named XXXX. I explained the situation and was told that the fee waiver was not granted later after it had been accepted. I asked XXXX to have XXXX XXXX to submit a dispute over the credit reporting agency to fix my credit score but she said we can not do that. I asked to speak to a manager but she kept me holding on the phone over 45 minutes and she kept telling me I am still waiting for her supervisor. I believe that it was not my fault to have my credit score hit. I feel that XXXX XXXX did unfairly treated me. Please see the attached image that show that they waived and came and charge back again. I already paid the past due amount and submitted a dispute with Equifax already. 
I look forward to have a follow up on my complaints. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Final Warning Dispute Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 1681e ( b ) This letter serves as my final warning to Experian regarding the 10 inaccurate accounts listed on my credit report. I have previously disputed these accounts, yet you continue to report them despite your obligation under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 1681e ( b ).

It is evident that your investigation into my dispute was both lazy and inadequate. By relying on the automated e-OSCAR system to handle the investigation, you have completely failed to meet your statutory obligations to conduct a thorough and reasonable review of the disputed information. The law demands that Experian use reasonable procedures to ensure maximum possible accuracy, and this reliance on an automated system is a blatant violation of FCRA 1681e ( b ).

Additionally, when you claim to have updated the information in response to my dispute, the reality is that no such update was made. The accounts remain exactly as they were, and this false representation is yet another violation of your responsibilities under the FCRA. You are required by law to remove or correct inaccurate and unverifiable information. Continuing to report these accounts in their current form is not only misleading, but also a clear demonstration of your willful disregard for federal consumer protection laws. 

If you do not delete these 10 accounts from my credit report immediately, I will have no choice but to escalate this matter further. I am prepared to file a lawsuit against Experian for willful non-compliance with the FCRA, and I will also be notifying the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) of your violations.

This is your final opportunity to correct your errors and comply with the law. I expect confirmation of the removal of the disputed accounts from my credit report within [ set a reasonable time, e.g., 10 days ]. Failure to do so will result in legal action without further notice.

This version emphasizes that Experians reliance on e-OSCAR violates their duty to conduct a proper investigation, while also addressing their failure to update or remove the incorrect information. The letter warns of legal action if the issues are not corrected promptly.
Product: Credit reporting or other personal consumer reports

Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006.

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX 
Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX ( Transunion ) XXXX XXXX XXXX XXXX 
Account Number XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Experian on XX/XX/year> and they are sending me stall letter via email by doing this I believe they are trying to stop me from disputing inaccurate information on my credit file. i received another stall letter today
Product: Credit reporting or other personal consumer reports

Account XXXX XX/XX/2024. 15. U.S.C 1681 section 602 A. States I have the right to privacy. 15.US.C. 1681 604 states a consumer reporting agency can not furnish a account with my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the late payments for the following accounts removed from my transaction history on all three credit bureaus. ( I sent 3 letters with ID and my gas bIll - no response XXXX XXXX ). According to the law FCRA 15 USC 168Ai- all late payments should be removed. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX .... & Account number XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax by mail that account XXXX   XXXX {$3500.00} is a fraudulent account and stems from identity theft. I submitted a fcra 605 ( b ) letter requesting the account be blocked and removed from my credit file. Along with the letter was the id theft report. I did not receive communication from Equifax notifying me that the block request under fcra 605 ( b ) was not honored and stating a reason why. Equifax then placed a fraudulent account under regular dispute. 

This fraudulent account should be removed from my credit file due to not notifying me in writing within the time frame under fcra 605 ( b ) if a block and deletion of this account was rejected. If this account is still on my credit file from 7 business days of Equifax responding from this complaint. I will sue Equifax in small claims court for fcra 605 ( b ) violation and punitive damages.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hearby request Validation of debt collection practice act ( FDCPA ). 
Statements alone are not sufficient evidence of debt. As establish in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account with XXXX XXXX XXXX if you fail to comply with this request. I will have option but to pursue legal action against your company
Product: Checking or savings account

On XX/XX/XXXX 5 charges were made on my account. The transactions were titled " XXXX XXXX XXXX XXXX '', and the first charge was {$190.00}, and then four charges of {$76.00} ( totaling of {$500.00} ). I've called my bank many times and gone in person. They have been so unhelpful. They denied my fraud claim because they were able to trace the transaction back to my phone, but I feel like scammers have definitely figured out a way to make the transaction be traced back to my phone when in reality it wasn't. Chase doesn't want to reopen my case unless I provide " evidence '' that I didn't make the purchase. I've asked what is it that I need to provide but they refuse to tell me anything. I've talked to so many people now and no one is doing anything. I'm not sure what I can do to get my money back. I found out yesterday, the transaction was literally XXXX. I feel like that in itself should be enough evidence that it wasn't me since I've never dealt with XXXX  and I don't even know where I would even begin. Scamming in XXXX has been something that has happened countless times, so I don't know why Chase doesn't believe me when I say it wasn't me. I have a feeling it's because they're going to have to pay out-of-pocket, so they're trying to refuse any claim I'm making.
Product: Credit card or prepaid card

I had fraud in the amount of {$1000.00} on my credit card and bank refuses to compensate me. Branch Banking & Trust Bank Case # XXXX XXXX XXXX
Product: Debt collection

Hello, I have filed multiple disputes with Experian regarding an account I have in collections - XXXX XXXX  account- in their credit report. I previously successfully filed a report with XXXX in XXXX, and had the account deleted from my credit report for it is inaccurate as it is not my account. 

I filed a dispute with Experian in XX/XX/XXXX regarding said account. They reached back to me expeditiously, probably too expeditiously to make a sound decision as they had found that the account was 'accurate ', and it is to remain on my account. The dispute that I filed with XXXX on the same day as Experian 's is still ongoing. Furthermore, I filed subsequent disputes inputting as much information as I could regarding the account. They only allow one 210 characters to input information, which is egregious in my honest opinion. How can one expect a company to adequately review, on their behalf, a financial dispute from the past when only allowed to provide 3-4 sentences of information. 

Experian has repeatedly said that the information is accurate, while not acknowledging the other individual, XXXX XXXX XXXX, in the contract from where the collection stems from. Thus, balance amount, and the collection itself is inaccurate - as previously found by XXXX. They have also 'updated ' the account in dispute, but have provided no further information on how the dispute was resolved, and what led to that decision. I have attempted to file subsequent disputes with more information but Experian has barred me from doing so on their online portal. With COVID-19 ongoing, I personally do not find it safe to file disputes by mail, and expose myself to possibly dangerous social settings. 

At this point, I am led to believe the Experian is possibly working with the collection agencies themselves to profit off of inaccurate credit reports, and debts by risking peoples ' livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both XXXX and XXXX are reporting this account incorrectly despite several dispute requests.
Product: Mortgage

Our mortgage with Suntrust included terms for automatic termination of our pmi once our original loan met 78 % LTV. I verified with Suntrust, via several phone calls that that date was XX/XX/2019 and that our account should reflect this termination of pmi on XX/XX/2019. This date came and went and I once again called to ask why it was not removed from our loan account. I have requested to receive, in writing, from Suntrust the date our loan is due to have automatic pmi termination but have not received this. When I call the representatives I speak with, including supervisors, either tell me that it should be removed or that they are not certain why it hasn't been and I should write a letter and send it to the pmi department, even though this should be automatically processed as per our loan terms! To make matters worse, Suntrust has merged with XXXX XXXX XXXX XXXX XXXX to form XXXX XXXX  as of XX/XX/2019. So I fear we will be lost in the transition and will still not have this resolved.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit card or prepaid card

We chalked up {$470.00} worth of reward points with Comenity Bank and asked for a cash back for that amount. They then deposited to our account with a credit union {$4.00}. This took place on XX/XX/2023. My wife has made multiple calls and emails to try and correct this error since that date. We have received many different answers on when this was to be corrected. We even asked for a supervisor to talk with and then they hung up on my wife. We feel that after 30 days plus of waiting that this needs to be resolved. Please respond by email or phone as to when this will be corrected. Thank you,
Product: Credit card or prepaid card

On XX/XX/XXXX, made payment at ATM on Bank of America, XXXX XXXX, WA. Did not receive a receipt or copy of check and payment as usual. The machine also would not give check back..contacted the bank and they stated there was nothing they could do and advised us to contact Visa. After being on hold and never able to speak with a live person, we were finally given a number to call to resolve the issue. 
We did talk to a live person and the person said they would take care of it and to look for a letter in 7 to 10 days. In the interim, Visa declined our payment to other creditors because of lack of payment, NO notice was given that our account was suspended during their investigation ( keep in mind the Visa had our check somewhere in their cyber land }. 

We made a payment from our debit card and our account was unfrozen. It is now XX/XX/XXXX and the check has not cleared our bank, which begs the question, where is it? 

All in all, we are not happy with Visa. They neglected to tell us our account would be frozen until the matter was resolved. This is unreasonable after being a customer for 35 years, always paying the card off in full every month. 

If the check magically appears, we will have made two payments in the month of XXXX. 

I think the local branch should be able to open the ATM and retrieve the check. The company should make an honest effort to employ live people and not leave people on hold after speaking to a robot.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX , XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

They are calling and harassing myself as well as family members saying I committed check fraud on a payday loan. I have never taken a payday loan on line.Threatened me with arrest and then claimed that they will see me in court. The call comes from an unknown number. Messages left to call this company ARA XXXX XXXX XXXX. They spoke with my brother a woman named XXXX XXXX saying I committed check fraud. That is also the name left on my voice mail and my daughters stating I committed check fraud. I called the rep no name given refused to send proof said I would see it in court. Then transferred to legal dept supposedly but he answers as the office manager. Spoke with XXXX XXXX who called me a thief told me maybe I should close my mouth. Tried to get me to confirm my social and checking. Gave past personal information address and checking account number as well as an email address none of these in use for several years and tried to threaten my family with legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$52.00}
Product: Debt collection

I am very sorry I have talked with the Capital One account specialist and there is nothing they can do to help me & my situation. I lost both my jobs in XX/XX/year>XXXX  due to a XXXX XXXX being XXXX, there is nothing more I can do, in the meantime I have again NO income {$0.00}. again I'm SORRY. XXXX
Product: Credit card

Dear CFPB Team, I am writing to file a complaint regarding fraudulent activity involving an Amazon Credit Card account issued by Synchrony Bank. Despite my repeated efforts to resolve this issue for past 7 months, neither Synchrony Bank nor Amazon has provided assistance or transparency in addressing the fraud. 

Details of the Issue : Account Name : XXXX XXXX Account Information : I never received the physical credit card and do not have the account number. 
Fraudulent Charge : XXXX $ + the growing interest for furniture purchased in Washington State. 
Date of Charge : XX/XX/2024 Charge ID : XXXX ( It was a given number from Syncrony ) I did not authorize the opening or use of this card, yet fraudulent activity occurred on this account. Specifically, someone used this account to purchase furniture in Washington State, using my billing address in Georgia. I immediately reported this as fraud to Synchrony Bank and Amazon, but both parties have failed to resolve the issue. 

Synchrony Bank denied my fraud claim thrice, stating that the charge is valid, even though I never received the physical card or authorized any transactions. I have repeatedly requested proof of delivery or tracking information for the purchased item, but they have refused to provide it. 
I reported the fraudulent charge to Synchrony Bank and Amazon as soon as I became aware of it. I filed a fraud dispute and an appeal with Synchrony Bank, but my claim was denied multiple times. I requested proof of delivery or tracking details for the item purchased, which was ignored. 

Impact : This situation has caused significant distress, as I am being held accountable for a fraudulent charge on an account I did not use or receive. The lack of transparency and refusal to provide supporting evidence undermines my trust in the handling of this case. 

Thank you for your attention to this matter. I am available to provide any additional information as needed. 

Sincerely, XXXX XXXX
Product: Debt collection

I disputed this account with AFNI, INC., the items were removed off my credit bureau only to pop back up again. I had initial signed up with service for XXXX XXXX XXXX XXXX. The service was not up to par in my city more like dial up speed so I cancelled out my services and XXXX switch my service pack to XXXX. I mailed back the router and was informed that no charges would occur. Yet I have charges on my credit report and no one will answer my question as to what those charges are for.