23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am the borrower, and I have continued to be subjected to undue stress by the mortgage servicers. First it was XXXX, now it is Ditch. I was approved for a HAFA short sale by the previous servicer, XXXX prior to XX/XX/2016. XXXX, unilaterally serviced released the loan to Ditech, which caused the buyer at the time to cancel the purchase agreement. The new buyer/offer was then submitted to Ditech, and they cancelled the purchase agreement, when it was determined both the septic tank and roof required replacement. Upon further inspection of the property, it has been in fact, determined the septic tank and roof require replacement ; see attached reports. As a result the subject property value continues to decline. Ditech refuses to work with me on a reasonable offer from the new buyer. I have a representative & supervisor who are not cooperative with the agents working on the short sale.
Product: Vehicle loan or lease

I have a car loan with Westlake Financial. They are very aggressive in attempting to bring me current. My payment is 5 days late and they have called me 23 times in the last 5 days. They have also sent emails and push notifications from the app. I believe this is harassment and there's no reason to reach out this much. I understand my payment is late and arrangements are being made to get current, however, the excessive calls are unnecessary and I have been told previously that even with a payment arrangement I would still end up getting automated calls and probably emails.
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 XXXX XXXX XXXX Dispute Regarding Civil Liability for Negligence under 16810 Dear Sir/Madam, I am writing to formally dispute the issue related to my case concerning civil liability for negligence under Section 16810, which I believe has not been handled correctly. I am seeking resolution based on the legal framework that governs such matters.

I am aware that, as per Section 16810, there are specific guidelines under which negligence may lead to civil liability, and my situation may have been misinterpreted or mishandled in error. I request that a thorough review of my case be conducted, as I believe my claims or concerns have not been adequately addressed. The negligence referenced here pertains to inaccurate credit reporting. 

The key points I would like to bring to your attention are as follows : Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days.

I hereby request the Experian : 1- Conduct a thorough reinvestigation of the following dispute accounts or items, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Provide me with all documentation used to verify the accuracy of the disputed information. XXXX Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

I trust that the CFPB will give this matter the attention it requires and that a prompt and fair resolution will be reached. I look forward to hearing from you with confirmation of your receipt of this letter and any necessary next steps to proceed. 

Please feel free to contact me at [ phone number ] or [ email address ] should you require further information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

this is the second time i have contacted you. FIa was asked by me when they closed my accounts due to BUSINESS decision to eat my balances. i claled today to check was told to call a XXXX XXXX number that just asked me for my money that is not what i asked. so no letter or call to date has resolved it. i feel i should NOt have to pay the remaining balance due to how they treated me and closed my accounts. i will not endure any other adverse impact either to my credit.
Product: Credit card or prepaid card

Apparently something has gone askew as I received an online notification today that my account was past due. You will note my pay record reflects that the account has been paid in full with each billing statement for years. On XX/XX/2020, I made payment of {$130.00} in full with all intention of the payment being processed on XX/XX/2020. However, for reasons that defy my understanding, your system reflected that the full balance due was to be applied on XX/XX/2020. You will note additionally that I customarily pay all credit cards in full on or before payment due date, intending this payment to be the same scenario. The confirmation # XXXX dated XX/XX/2020 reflects a month later which is highly irregular and not at all in context with my payment activity. The statement indicated payment was due on XX/XX/2020, yet I am just getting some notification today that something has gone askew. 
I would appreciate your company doing two things : ( i ) proceed to process the XXXX payment as of the intended date, XX/XX/2020 ; ( ii ) waive the late charge of {$28.00} plus the additional interest of {$3.00}, a total of {$31.00} as well as any future interest charges assessed. 
Frankly, I have never encountered an error such as this one, not with XXXX XXXX XXXX, XXXX or XXXX XXXX where I maintain other credit cards. However, it seems that every time a weird issue arises, especially where some late charge is incorrectly assessed by Synchrony. There have been issues with lack of notification of other actions where Synchrony Bank is involved and I am seriously considering terminating any further credit relationships with your bank.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information reporting on my consumer file with TransUnion on four separate occasions, but they failed to respond in a resonnable time frame. I first reached out to TransUnion concerning the fraudulent account on my credit file on XX/XX/year>. However, after many attempts from me to resolve this issue, TransUnion is still reporting the account on my credit file. It is important to note that this account was found to violate my rights and was removed in XX/XX/year>. I also informed TransUnion that the furnishers of the information are most likely unreliable sources and/or giving them false information about me. I'm now seeking a remedy. In accordance with the Fair Credit Reporting Act This account violated my rights : XXXX. This account is inaccurate, incomplete and not adhering to compliance standards. I require that any mistakes be fixed permanently. 
On XX/XX/year>, I also requested another investigation with TransUnion into the matter. However it has been more than 90 days and TransUnion has still not completed their investigation or they just ignored my request. For that reason I demand that this account be removed from my credit report for good seen that it is way outside of normal investigation period. 
According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. It is important to note that I previously requested the information that TransUnion used to verify the accounts with the creditor but did not receive anything even after 90 days of my demand letter. TransUnion must remove the account from my credit report in a reasonable time frame and inform me of the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TRANSUNION, STILL BLOCK ME FROM REVIEWING MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. It never fails if I look at one report like XXXX I will not be allowed to access my credit report that the three credit agencies block me from such as TRANSUNION AND XXXX. I am having to pay for services to see whats falsely being reported. To know and find the organization to realize had I intentionally meant to be late I would not fight this as hard as I am. I am getting ready to turn the big three and fico over to my attorney one man should not fight this hard.
Product: Credit card or prepaid card

I have a Paypal Mastercard and a due date of the XXXX, on XX/XX/XXXX I had a payment due of {$25.00}, on XX/XX/XXXX at XXXX I made a payment of {$50.00}. I received an email thanking me for my payment at XXXX. I then received an email on XX/XX/XXXX at XXXX XXXX stating my payment was processed. I then go online at XXXX XX/XX/XXXX and notice I have a late fee. I call the XXXX number and she states their system has not updated and that the late fee will be removed. I tell her there should not be a late fee if a payment was made on time prior to XXXX like your contract states. She then tells me the same thing. Reading online these seems like a tactic they use to collect late fees from customers who pay on their due dates. This can not be right. Thank you
Product: Credit card or prepaid card

Late fee of {$7.00} should be waived, my balance was XXXX, and XXXX credit card played a game with me, they added the disputed amount of {$240.00} in the balance and then immediately charged me the late fee of {$7.00} they should stop playing these games with the customers. 

They are unnecessarily wasting a lot of time on the phone to verify the account and filing a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Acct type : Collection ; XXXX XXXX XXXX Acct : XXXX Acct type : Debt Buyer ; has violated my rights. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file as a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 section 602. States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Removed and delete all account in accordance with laws listed above
Product: Credit reporting or other personal consumer reports

Navy federal 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 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 navy federal has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against navy federal, 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 navy federal 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 Navy federal inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I got approve for an XXXX XXXX card for XXXX. I had a balance of like XXXX and some change. My payment was due on XX/XX/2021. I called in on XX/XX/2021 and asked for pandemic assistance because I had filed for XXXX through the Virginia XXXX XXXX and that program would not be up and running until XX/XX/2021, because President Trump did not signed the bill in time, and I would not have any funds until XX/XX/2021 or later. The agent stated " no worries I can remove the late fees and we agreed that I would make a payment on XX/XX/2021. A couple days later they decrease all my credit from my account that made my score go down about 80 points. I have never had a late payment ever on my credit history nor a late payment on all my accounts. from being out of work because of the pandemic I had to live off my cards and under {$300.00} a week from XXXX XXXX so I'm trying to survive with a wife with XXXX XXXX who a high risk individual to covid-19. I only used the card like one time. when called in to resolve the matter the played games on the phone pretending like they was transferring me to another department while still talking to the same agent. I was really was being taken for a ride trying to get them to communicate with me about the matter. I paid the card off on XX/XX/2021 like I agreed to with the customer service agent and was told by the agent that they did not know would my credit would be restored or not while I took a decrease in my credit score. They still did not take back all of the late fees that was applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXXXXXX Balance : XXXX 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital One sent me mail to apply for a credit card and get an Express Answer. After applying I got no answer except for a notice saying I would get more mail in weeks. I got a hard inquiry on my credit and no answer. 

I have all the paperwork and I am going to hire an attorney and file a formal complaint in court. 

This is misleading to say the least and is malicious.
Product: Debt collection

The original credited was XXXX for which I received the information that it was sold to another collection agency I been fighting this case for almost a year. I have been sued and my wages are being garnish and all I want is proof that I actually owe this money. I haven't been serve correctly I havent beeen inform of my right or no one is giving an explanation other than you owe the money.
Product: Credit reporting or other personal consumer reports

XXXX has XXXX Fraudulent Inquiries on My Credit Report : - XXXX XXXX XXXXXXXX XXXX, XXXX Transunion Has XXXX Fraudulent Inquiries on My Credit Report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/2015 Balance ( XXXX ) as of XX/XX/2015 still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/2015 {$1500.00} still in collections area Experian, XXXX , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/2015 {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one has some how got access to my personal information and trying to get credit cards in my name. I have fraudulent inquiries on my credit report
Product: Checking or savings account

I received 2 OD fees on my Regions checking account on XX/XX/XXXX without my account going into an overdrawn status. I called customer service and they were only willing to refund one fee in the amount of {$36.00}. 

I have received several fees in the past that I didnt agree with on this account, but Regions were not willing to resolve. I am wanting a fee audit conducted on all of the fees assessed to this account from 2007 to present. 

Regions website will not allow me to go back to 2007 to provide all of the fees assessed to the account, and I am asking that the bank goes back in their system to view these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is report wrong information on my credit reports. The information that is being reported on my credit reports is false. XXXX XXXX XXXX is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. I have also never received a " dunning letter '' for XXXX stating that they own the debt and intend to start collecting practices. They have been reporting this account monthly for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you.Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX 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 wrote Experian XXXX and XXXX and let them know I was registered owner of XXXX XXXX XXXX XXXX XXXX XXXX and that they are some accounts showing under the securities account number thats property OF XXXX XXXX LIVING trust and needs to be removed please see attachment.
Product: Debt collection

Disaster Forbearance. XX/XX/XXXX, hurricane Ian. We lost : power, roof singles, fence, storage units. Our online business stopped making money. we lost a lot of money due to trying to get our home back in order. The insurance did not cover everything, our deductible was XXXX XXXX. 
We had a mortgage with XXXX at very low interest rate. they allowed us to get a disaster forbearance for 3 month XX/XX/XXXX payment, XX/XX/XXXX payment, XX/XX/XXXX payment, they said they would add the missed payments on the end of the mortgage. We called XXXX XX/XX/XXXX, and asked for an additional month. they stated they could do another XXXX months forbearance. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
On XX/XX/XXXX we called XXXX to get this taken care of. we needed to pay our XXXX payment. 
We were informed they sold our mortgage effective XX/XX/XXXX to our new mortgage company M & T Bank. We called M & T bank but were told we can't make our mortgage payment for 30 days due to the sale and they needed to input data. so needless to say, they would not accept our money stating they did not know how much we owed them. So there was no way they would do what XXXX stated putting the forbearance payments to the rear of the current loan. They said that a VA loan did not allow this action. 
M & T sent a letter XX/XX/XXXX stating our account is 188 days delinquent and we owed {$13000.00} to make our mortgage account current! we called M & T and they stated our loan was in underwriting meaning they would not honor our original mortgage with the low interest rate. They said the new loan would be at current rates. 
They said i need to get the loan current for at least 5 months, over {$8000.00} asking if we could pay that today. My wife is on social security, and I am on XXXX. 
This is a classic bait and switch. I don't know for sure, but the original mortgage company may have done something illegal, and the fix was selling the loan. I don't feel as though we have been treated fairly. I'm not sure why we were told something that obviously would never happen.