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

Shellpoint Mortgage encouraged me post Covid/government shutdown to do fearbearance plan. Said it would go to the end of my loan and was to help me not hurt me. Then they reported this year on my credit report as delinquent but I was not when Id call them! Then they said the only way to fix it was to do a modified loan which added 10 years to my mortgage! I did and all they did was mark the delinquency as late pmts. They also have pmts I made during government shutdown as no record and I have proof of my pmts. Also now they are posting on my credit report again no record of pmts. I credit score went from XXXX to XXXX! I cant even get a small loan or refinance now. Ive made numerous calls and emails and Im always getting a different story! They are no help and this has been a nightmare and has ruined my credit!
Product: Checking or savings account

i had a chime online checking 's banking and credit accounts and have been with them for about 2 years now and earlier this month i was informed by XXXX or the XXXX the company the either are owned by or work with that my information didn't match with my social and it turned out my last name was misspelled and i sent them a w9 or updated info through mail and then a few days later i called chime to make sure that the updated my info and was told new cards would be sent to me and now yesterday on the XXXX i was emailed that my accounts would be closing after reviewing my information without notice i had about {$1200.00} in those accounts all together and i just wasn't my money back the said the would mail me a check within 30 days which is wrong the should have let me transfer my money to another account or been able to withdrawal it. the haven't give me clarity on where my money is or anything that's my rent money and more
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX  I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!
Product: Debt collection

I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXreditor : XXXX XXXX XXXX, XXXX. 
Convergent Account : XXXXOriginal Creditor : Household Orchard BankDear CFPB : The credit card I once had with XXXX XXXX was closed after 10 years. The account was in 2004.
Product: Student loan

In 2006, XXXX XXXX XXXX in XXXX XXXX offered me loans to pay for schooling. Credits they claimed were transferable, were not. The loans they claimed could be differed, could not be. After a year of schooling I was over {$25000.00} in debt and they wanted me to pay over {$300.00} a month on my loans to pay them as I went to school full time. They lied about everything and it has made my life difficult for these last 10 years. I understand I likely will not receive a reimbursement of the little I have paid off ; yet if you could get them to stop reporting on my credit history and stop haunting my future. 

Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/year> ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Debt collection

Received a letter from Reports, Inc. claiming I failed to respond to previous notices regarding payments to a local hospital. The hospital is one that I visited recently, so I assumed I had somehow missed the payment and immediately paid the collection bill. However, looking at my insurance claims, I now realize I had already paid the bill. 

The letter claimed that I had failed to respond to previous notices, but there were no previous notices. When I called the phone number listed on the letter, I got a menu that had no option to speak to a person. I hit zero to speak to the operator and got a message saying that the number was unavailable. The company 's website says that they are an accredited member of the XXXX XXXX XXXX ( XXXX ) with an A+ rating, but that is a false statement - the company is not an accredited member. As far as I can tell, this is a scam to get money for a non-existing debt, and there is no way to actually contact a person working at the company.
Product: Credit card or prepaid card

I had a Walmart card and this is the credit card is trying to destroy my credit. I have tried consistently to work with XXXX XXXX every month I get a 30 day late alert. First it was XXXX. Then I processed a dispute so XXXX XXXX deleted XXXX and put it for XXXX dropping my score again. I made my payment with rep of {$30.00} and I made it for 3 months. To receive this treatment I feel that this bank it deliberately trying to destroy consumers credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

I, XXXX XXXX XXXX a victim of identity theft. I have been combating this issue with Experian Credit Agency since XX/XX/XXXX after being denied for a loan after learning that I have negative accounts on my personal credit that I had no knowledge of. I have disputed the fraudulent accounts at least XXXX times and everytime they come back verified and accurate. How can this be possible when I have no knowledge of the accounts.My personal information was leaked in several data breaches which is a direct impact of the fraudulent accounts and inquiries that's on my personal credit report. Experian is in violation of the FCRA law that protects the consumer personal credit report under section XXXX and XXXX XXXX XXXX XXXX XXXX I am invoking my right to demand the immediate and permanent blocking of the fraudulent accounts and inquiries. I am beyond exhausted by XXXX failure to take immediate and lawful action. I have caused and continue to cause so much grief. I am unable to purchase a home that I am in need of due to identity theft. The accounts that does not belongs to me and I have no knowledge of is XXXXXXXX XXXX, account # XXXX, balance {$1300.00} open on XX/XX/XXXX, XXXX, account # XXXX, balance {$0.00} but charged off {$10000.00} open XX/XX/XXXX, there is also a collection at XXXX XXXX XXXX., account # XXXX, balance {$2500.00} also the original account for this collection was XXXX XXXX  which was removed from my personal credit as an identity theft account.Also have XXXX inquiries that I didn't authorized, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX all done on XX/XX/XXXX XXXX.
Product: Student loan

Navient.. I have told NavientXXXX In the past years that I have been set up with a Fraud Loan And that the fake XXXX that the money was given to.. XXXX XXXX XXXX was a fake school ... that was later shut down by the Federal Goverment..I have tried to tell them that i could not pay for the Loan at the time they gave it to me... And should have never been approved ..but still they call me all the time. leaving messages ..And when i call them to try to find out what I can do to fix this They try to put me under more Debt.. with bad .interest rates..and there Loan Program..I need help to try to deal with this ..They Navient are saying that i dont qualify for the Forgiveness Program ..Then who does..?? I was tricked by Navient into this Loan..
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan and was sent a denial letter stating XXXX is reporting a bankruptcy in my credit file. I contacted XXXX and they told me there is NO bankruptcy in my credit file. I called Citi back numerous times and spent hours on the phone with no solution. XXXX has confirmed there is no bankruptcy and has sent me my credit report and it does not show a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Product: Student loan

Issues where payments would not pull out of my bank account causing late fees. Also was not offered a income contingent plan. When I expressed interest in one the plan was more then my current payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Experian has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public, however, I am also aware that main provider of this information is XXXX. Therefore, Experian is in violation of the Fair Credit Reporting Act for false reporting. My rst attempt was sent via certied mail USPS ( XXXX ) resulted in a return receipt as undelivered. However, Experian did respond saying the information was " verified ''.

My second attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. Experian responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did Experian verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies?

My third attempt was received via certied mail USPS ( XX/XX/XXXX) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of XXXX  verication. Once again Experian response deemed the information veried.

Laws I can potential le for : 1 ) FCRA Section 623 XXXX v. XXXX XXXX   XXXX  US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information currently appearing on my credit report regarding several accounts that continue to be erroneously reported as linked to a bankruptcy, which has been removed from my credit history. This is in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they maintain. 

Affected Accounts : XXXX CARD - Account # XXXXXXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX Since these accounts are incorrectly linked to a bankruptcy that has already been removed from my credit report, I am requesting their immediate removal to ensure the accuracy of my credit history, as required by 15 U.S. Code 1681e ( b ).
Product: Credit card or prepaid card

On XX/XX/2023 I notice my interest rate on my American Express Blue Cash Card had increased significantly on my current statement. I called American Express to inquire and the representative told me they notified me of changes to my terms and conditions on my statement that ended in XXXX. I do not look at my statements every month so I had no idea this change took place. American express completely changed my terms and conditions for no apparent reason. The reason they gave me is not valid unless I did not adhere to the terms of the original contract, which I did. I have not been late on payments, and my credit is the same as when I applied. I actually just opened another credit account with excellent terms. I should not get unfavorable terms because I would have under current card offers they are offering. This is egregious and predatory. I have never had a credit card company do this to me and I have had established credit over XXXX years. I currently have other credit cards in outstanding condition. Changes of this magnitude should not have been hidden conspicuously at the very bottom of a statement. I should have received a separate correspondence. This is not right and I need this rectified immediately. I have been trying to pay this card off and its like they keep going up on my interest preventing me in doing just that. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and XXXX XXXX XXXX are on it. I have never received any correspondence from their office asking me about this alleged debt. I have never done business with this law office. I did not have the opportunity to dispute this matter as required by law. I am trying to buy a house and this is damaging my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the bill XX/XX/19 I called company XX/XX/XXXX to inform that payment was made via their own website as per their letter for acceptance of a reduced payment option. They reported as derogatory on my credit on XX/XX/19 even though I gave verbal confirmation receipt information and was assured that it was paid in full. I received notification from experian that this was reported. they are in violation of federal consumer protection laws. 
Thank you. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an email from Capital One, checking on a duplicate charge. 
I called the number from the back of my credit card, but I switched the digits, and was connected to someone pretending to be Capital One. 
The number I wanted to dial was XXXX, but when I re-checked it, I had pulled part of the international number from the back of the card. I dialed XXXX instead. ( the XXXX  number on the back of my card is XXXX ) At XXXX, XXXX answered, and told me that the call was being recorded, and suggested a new number XXXX to use in the future. I did not like that answer, and began to be suspicious, but continued to confirm my card information. 
I then hung up on him. But shortly after that, I also received another email from Capital One checking if I had made a purchase. I had not. So I called XXXX at XXXX and spoke with XXXX XXXX She told me that she couldn't do anything right now because their systems are down. I was to call again later. 
I just called again and this time spoke to XXXX at XXXX in the Fraud dept for Capital One. I have told this same story, and asked to cancel this card immediately and please to reissue a new card because I think that I compromised this account. He agreed, and has begun this process. 

I wanted to report the XXXX phone number as fraudulent and hope that you could address this for others.
Product: Mortgage

Hello, Thanks for taking this time to review my request. I have a family of XXXX and usually to prevent any issues with shelter expenses we pay our mortgage upfront with our tax refund. We did so for XXXX in hopes that this year would be a normal year. Then Covid Struck and both my husband and I had to collect unemployment. We applied for a forbearance that would have applied from XX/XX/XXXX - XX/XX/XXXX. We also applied for the first 90 extension which is bringing us through XX/XX/XXXX. We continue to receive letters and call from the mortgage servicer that are quite scarey. We have requested our final 90 days which will put us to tax return time since we are in debt up to our eye balls currently as anyone can imagine. However, the mortgage servicer is reporting that we have exhausted our forbearance allowance under the CARES act. However, that isn't the case. Each time I would contact Customer care Here is the verbiage about our request : Forbearance Plan Terms You are entitled to a forbearance for up to 180 days. As part of your Forbearance Plan, we have temporarily paused your monthly mortgage payment amount of {$790.00} for 360 days, the forbearance term you selected. Your forbearance is effective starting XX/XX/XXXX and will expire on XX/XX/XXXX. During this time, you do not need to make any mortgage payments. You may shorten the Forbearance Plan at any time to reduce the amount of payments which are being paused. Additionally, you may request an extension of your forbearance for up to an additional 180 days.

Your account will not be assessed late fees or penalties during the term of the Forbearance Plan. If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. The terms of your mortgage remain unchanged.

If you have questions about the terms of your Forbearance Plan, please contact us at XXXX. 


The mortgage services information is as followed : In order to assist you, LoanCare has assigned a Mortgage Resolution Advocate to your loan. 
The Mortgage Resolution contact information is listed below : Mortgage Resolution Advocate : XXXX XXXX Phone Number : XXXX Extension : XXXX Email : XXXX Fax Number for submission of documentation : XXXX I have been placed on hold for 30 minute increments at a time then line disconnects. The treatment has been completely horrible. I would ask for a manager and was told one would call me back and not receive a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX all FTC violations freedom mortgage XXXX XXXX XXXX XXXX XXXX XXXX  violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX
Product: Credit reporting or other personal consumer reports

I applied for a business credit card with chase, I have been a card holder since XXXX. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my chase business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.
Product: Debt collection

I have no clue what this debt is for and I did not do any business with your company. Please remove this account from my credit file.
Product: Credit card or prepaid card

They give me. Whats time when applying fir the card first they said they need my identity license and social they put it on holf they said I qualify fir the card but wont send me anytning its so annoying and frustrating how they are
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the 16th which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX me over.