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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called XXXX XXXX, XXXX XXXX 2017, regarding the Genesis loan that I received while attending XXXX. The program/school has been found to be fraudulent and thus I requested my private loans to be discharged. There was no supervisor available, nor was there anyone that could discuss or authorize the discharge. I then was then given an incorrect number of someone else to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX by XXXX. The people I dealt with claimed to not to work on commission. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it because the resale value would go up. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card for me but I was never properly educated of the fees involved. They have our ID during this process. Everything was rushed especially when they didn't even gave me enough time to read through the contract and understand it's contents so I can be fully aware of the details of the agreement. They didn't even give me a copy of the contract. I didn't know how to cancel, I was never even properly educated of it like how many days to cancel and such. I was XXXX at the time and I feel like my age was taken advantage of. I have medical conditions such as XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX of the XXXX, XXXX XXXX etc & having this timeshare just doesn't help, it just gives me financial difficulties and negatively affecting my credit scores. I experienced emotional, verbal & financial stress, it caused my wife to have to take medications which caused more medical conditions as we were both not working, plus they will keep calling for payments. This timeshare just causes us stress plus the current problems and issues we have due to Covid, it just makes our situation worse. We tried to get out of the contract but we were not given any options as to how to get out of it. They called on several occasions in attempts to collect money during Covid with threats to file against us. I made them aware that I was not working and they were not compassionate in their effort to coerce me in to making any type of payment. It was too late when they informed me that I could have requested release and given a number to contact. However, after several attempts, I never had any success in making contact with the number given. I called them again, where they informed me that the account had been suspended but it is showing on my credit report as a repossession. The pressure when I spoke to them, not allowing me to read the contract, telling me we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. I was simply defrauded, lied to & taken advantage of.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Dates of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount of Late Payment : {$320.00} I assert that the reporting of this late payment is in violation of the FCRA for the following reasons : According to 15 USC 1681a ( 2 ) ( a ) ( i ) Transactions and experiences between the consumer and the person making the report should be excluded from my consumer report. 

To support my dispute, I am enclosing copies of any documentation related to my account with XXXX XXXX XXXX as well as any correspondence or communication I have had with XXXX XXXX XXXX  regarding this matter. 

Per the FCRA, I have the right to dispute and have corrected any inaccuracies on my credit report. Therefore, I kindly request that you remove the late payment entries associated with my account from my credit report promptly. Additionally, please provide me with a written response confirming the removal of the late payment entry and any other actions taken to address this FCRA violation.
Product: Mortgage

On XX/XX/XXXX contacted Dovenmuehle Mortgage about a late payment in XX/XX/XXXX that should not have been there, the loan was transfered in XXXX with a letter dating XX/XX/XXXX that the loan was paid in full. Called in and was told they would have an answer in 10 days. Called back 10 business days later to be told that they have more time and the person that told me 10 days lied. Have not be able to get any other information from company on multiple calls, in the process of refi due to divorce and this is stopping my new loan
Product: Credit card

I had made a payment to payoff my card online with PayPal Extras MasterCard. Later, I booked a hotel stay using the card XXXX XXXX. As we checked, we noticed one of our belongings were missing. We reported to front desk and they stated they would do an investigation but in the mean time they would refund our stay - in full. I thought my card was at a zero balance. XXXX day I received a late pay notice via XXXX. I was confused. I contacted the credit card company immediately. They stated the hotel charge was not reversed and I had a balance. I was reported 30+ late to the credit agencies for non-payment. I was not aware of any balance and have never been late ever. I have absolutely no late pays on my credit at all. PayPal said they would file a dispute to correct the issue and that I would need to speak with customer service to resolve payment issues. Call was dropped. I called today to resolve the issue and discuss the late payment and make whatever balance payment in full. They stated they could waive the late fee but would not send anything to the credit bureau as a correction. They stated they " could n't '', even if there was a mistake made. I was not happy with this resolution. They stated all I could do was dispute through XXXX or one of the other agencies. I filed a dispute today with XXXX and I am claiming that the 30+ day late on my credit is incorrect. I am asking that this get resolved as soon as possible. This is negatively impacting my credit.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX To whom it may concern.

On XX/XX/XXXX I contracted with Wilshire Consumer Credit / Westlake Financial for an auto title loan. I have satified the standard amortized 36-month loan with 36 full payments but the company now tells me that I still owe {$790.00} after the last installment was paid in full on XX/XX/XXXX.

The following details come directly from the contract 's Federal Truth In Lending Act Disclosures page : Amt Financed : XXXX Finance Charge : XXXX Total of Payments : XXXX   Interest Rate : 83.49 % Number of Payments : 36 Mo. Installment $ : XXXX Payments due starting : XX/XX/XXXX Again, I paid my last ( 36th of 36 ) payment of {$200.00} on XX/XX/XXXX. There is nothing on the contract disclosing any extraordinary fees, monetary amounts ( ie. balloon payments ) or conditions -- it's a standard amortized loan contract.

My loan has never been in default or ever had a 'balance due ' from a previous month. Over the account 's 3 years there were 3 small issues detailed below : I. Twice I've been late on a full installment payment by the due date but both monthly installments were paid in full before the next installment cycle -- never 30 days late. Never was a balance forwarded to the next month, and the two late payment fees of {$10.00} were paid before the next month 's due date. Every month my account has been " current ''.

II. In XX/XX/XXXX I requested an extension due to financial hardship. My extension was approved by Wilshire for the month of XX/XX/XXXX and my XX/XX/XXXX statement reflected the appropriate monthly installment of {$200.00} ( no past due, penalties ... ). This extended my loan 's maturity date one month from XX/XX/XXXX to XX/XX/XXXX.

Again, my account has always been current and has never had a monthly balance forwarded to the following month.

I called Wilshire last week ( XX/XX/XXXX ) regarding this {$790.00} balance. The agent gave a few 'possible ' reasons for the remaining balance but I pointed out none of his 'possible ' explanations were accurate. He obviously was, or pretended, to be incompetent regarding amortized installments loans and the specifics of my account. I requested to speak with a supervisor to get an accurate and truthful reason for the remaining balance. I again explained that I've paid 36 full installments and have never been in default or more then 30 days late on a payment. The supervisor could only tell me that the statement showed the balance and that's what I owed.

I can't get any accurate information from Wilshire. Your help is appreciated. 

Thank you.
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 XXXX  Dear Experian, I am writing to formally express my dissatisfaction with the handling of my credit report dispute. Despite my repeated requests, I believe Experian has failed to conduct a reasonable reinvestigation of the disputed information, as required under the Fair Credit Reporting Act ( FCRA ). As a result, inaccurate and unverifiable accounts remain on my credit report. 

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, highlighting systemic issues that may directly impact consumers like myself. My experience mirrors the CFPB 's concerns, as Experian has neither corrected nor removed the disputed items from my report. 

I demand that you immediately delete the inaccurate and unverifiable accounts from my credit report. Additionally, I request that you conduct a thorough and compliant reinvestigation in accordance with the FCRA to ensure full accuracy. 

For reference, I am asserting my rights under the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) Challenges the 30-day response timeframe.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) Challenges the adequacy of the investigation process.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Challenges reinsertion protocols for disputed information. 
I expect a prompt and compliant response confirming the deletion of these items from my credit report. Please provide written confirmation once the deletions have been completed. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an XXXX  XXXX credit card through Bank Of America. I called for a pay off amount as I had a small balance ( ~ {$400.00} ). I paid that off the balance on XX/XX/XXXX and I was subsequently shown to have a {$0.00} credit balance on my account. The following month they withdrew {$300.00} from my bank account even though there was a negative balance. I called on XX/XX/XXXX once I found this out and they told me that I had to wait 3-5 days for the deposit to clear before they could process a refund. In the past week, they have charged me an additional {$1.00} ( minimum interest charge ) on a negative balance. This is just ridiculous. I called today and they will begin processing a refund ( less the {$1.00} ) which they still need to process. Bank of America steals my money for weeks and charges me for the privilege, all while charging 21 % interest when you use their card. 
B of A is the WORST!
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.
Product: Checking or savings account

on XX/XX/31 to withdrawal money from an atm at citizens bank it did not give me my money and took my card I had to go inside the bank to retrieve my card I got a paper that said incomplete transaction I filed a dispute that very day with us bank and now 2 times since they wont request the video from the atm owner I did not receive my money I had to sign for my card to get it back from citizens bank they could request that also but they havent done any of that
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized use of my credit report
Product: Mortgage

Loancare Services has serviced my home mortgage for more 30 months. I do not know the exact date when they took over servicing the loan. 

I have typically logged in to make payments each month. In summer 2017, there was a problem with the website, and I had to call in. During the conversation, I gave authorization for a monthly payment. The account # routing # used in that transaction was incorrect. I have no idea where the source of the incorrect number - either I gave them the wrong number, they entered a number different than the one I gave them ( over the phone ) or some other error occurred. That should not have been a big problem - mistakes happen. 

However, I was never notified that the transaction failed. The next month I went to make another payment, and discovered that I had been locked out of the website. I called again, and discovered the problem. I requested at that time that they get to the bottom of why I received no notification or alert to this clear data error. 

My payment was not made the following month as well. I can not provide the exact sequence of events, but there were multiple calls both to un-lock the website access and to make the payment. 

After 2 months, we realized that the account number in my record was wrong. We fixed it, caught up all payments, and have been OK since. I have also since set up auto-debit on their site, for the amount of their invoice each month. 

There were two {$110.00} ( that seems pretty outrageous!! ) late charges, which I disputed. Though I never head any conclusion from the dispute, there is now, and has been for 2 months now, a {$270.00} " late fees '' charge on my statement ( which I never receive, but which is available for me to download from the website ). If I call and go through the phone payment process, the total late fee amount is {$220.00}. Who knows where the other {$50.00} comes from. 

It is unclear to me why they did not just charge me the late fees ( they have ACH authorization to charge the amount of the statement ). This seems wrong to me, particularly in light of the fact that they don't send me statements. 

This month, the final straw was that I received an alert that Loancare had registered a 60-day late with credit agencies, indicating I was {$4400.00} behind. This is false, and outrageous. That's where I stand today. 

Loancare 's inaccurate credit reporting has cost me >100 points off my credit scores, and is blocking a home loan approval for a new home I have been trying to purchase for 6 months now. I have engaged a credit repair firm who has gotten their marks removed from XXXX, but the other two still show this inaccurate info, including the most recent incorrect report. 

Before I hire a credit attorney to pursue damages and compel removal of this incorrect information, I thought I'd give you folks a try. I'm optimistic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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, credit repair services, or other personal consumer reports

Experian has failed to investigate and respond to my dispute requests sent on XX/XX/XXXX and XX/XX/XXXX. In their response to my CFPB complaint received on XX/XX/XXXX from them, they further provide proof of their failure to respond to these disputes. This account was always paid on terms and they continue to report it with late payments.
Product: Mortgage

I was deployed to the XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. During this time, my mortgage was sold to a new mortgage provider ; Freedom Mortgage. 

My autopay was discontinued and when I returned back to the states, I learned that I had missed 2-3 months of mortgage payments.

I have paid all the missed payments within 1 month of realizing this, even before my XXXX XXXX orders officially finished. 

Since then, my credit score bottomed out to XXXX and now they are refusing to cancel my PMI due to missed XXXX or more mortgage payments in the last 12 months. 

I feel I should be protected by the civil service relief act. 

I was able to get my credit score within the XXXX again. Freedom mortgage has been incredibly difficult to work with and wont discharge my PMI.
Product: Debt collection

I DISPUTED SEVERAL TIMES WITH COMPANY AND CREDIT BUREAU THIS ADDRESS I NEVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX MO ALSO A ACCOUNT THAT'S NOT MINE TRANSWORLD SYS INCXXXX {$310.00}. 

INSTEAD THE COMPANY IS PRESSURING ME TO PAY SOMETHING THAT I ILLEGALLY OBTAIN USING MY CREDIT I A INDENITY THEFT AFFIDAVIT AND OTHER SUPPORTING DOCS PLEASE REMOVE THESE ITEMS
Product: Mortgage

I always mail my monthly payment ten days early. My XXXX {$680.00} payment was due XX/XX/XXXX, so I mailed it on XX/XX/XXXX. It always takes about ten days for them to post the payment, and they always send me an email that they have received it. This time I got no email. On XX/XX/XXXX, I checked with my bank and the check had not cleared. I called Loancare. It took 45 minutes to speak to someone. They told me that my XXXX payment was lost. I told them that I would put a stop payment on the check and reissue the payment through electronic funds transfer, which I immediately did. I then emailed Loancare what I had done and asked that they not cash the check and that I had put a stop payment on it. They cashed the check on the very same day that they said it was not there and then when my bank rejected it because of the stop payment, they sent it through again. 

Loancare is now charging me a fee of {$80.00}, two {$40.00} charges for a check rejected for " insufficient funds. '' I have contacted them by 'phone, email and letter. The only response that I have received is from my letter, notifying me that they are looking into the problem.

My mortgage was sold to this organization about a year ago, and from day one it has been one unsolvable problem after another. They are very difficult to contact, and they are simply unresponsive if you are lucky enough to communicate with them.
Product: Mortgage

What happen was Bank Of America Attorney came to XXXX, Georgia to Superior Court for the final Order and Judgment. There using the name Bank Of America is Debit Collector, Plaintiff said on XX/XX/2016 was foreclosure sale of the property located at XXXX, Georgia I was not inform of this sale, the Judge went along with the Bank Of America, Debit Collector, but the Judge told me I could file a wrongly foreclosure with thin 30 days, this is what I am going to do, I want to file this complaint first. The Judge give me until XX/XX/2016 to get all of belonging out the house.
Product: Debt collection

The law offices of XXXX, XXXX and XXXXXXXX XXXX have falsely impersonated as XXXX XXXX XXXX. They have sent a letter showing that they act as a third-party debt collector but yet for the same debt they turn around and say they are representing XXXX XXXX and try to sue me and garnish my wages. 

There has been a request for discovery to prove their relationship and to produce any agreements but they only answer with credit card statements which they have not been authorized to have and are in violation of the FDCPA. 

.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.