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

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

I called to ask for pay for delete letter for the $XXXX debt that I had with Portfolio Recovery before I paid it. They said that they couldn't send one before but when they got the payment in full, that they would delete the account from all credit reporting agencies within 30 to 45 days. When I called about a month after it as paid the rep told me they couldn't delete and that they would send me a paid in full letter. They claim the calls are monitored and recorded, so I would like for them to go over my conversation with the rep who told me the account would be deleted from all credit reporting agencies and delete this account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting a method of investigation for inaccurate accounts that were claimed to be verified so that I could follow up. The FCRA gives 15 days for this information to get to me. However, it has been 6 weeks and I still haven't received the request!!!
Product: Credit reporting or other personal consumer reports

I have been paying my mortgage since 1999, for some reason since Shellpoint Mortgage Servicing Company took over my mortgage loan, my payment history has not been reported to consumer reporting agencies. This matter has been effecting my credit worthiness, I am not able to qualify for best interest rates of a new home mortgage financing, due to this error. Want to mention, that finisher has to provided, maximum possible accuracy to consumers credit report, written by Fear Credit Reporting Act. Please fix this error ASAP. Thank you.
Product: Mortgage

I am XXXX XXXX XXXX and am having a very difficult time with CMG Mortgage / XXXX. Since XX/XX/2019 I have been applying for a modification. I was never able to communicate to the same person which always caused confusion. CMG always seemed to lose my paperwork, which I constantly had to re-email the same documents. For the past 2 weeks I have been emailing the final documents needed for the loan modification review. I have used all the emails CMG has told me to send it to. Now that CMG has ALL the required documents they have turned around and told me it is too close to the sale date to review. Basically CMG has been lying to me the whole time and never wanted to review me for a modification. This is bank fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disrupted information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues a 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 experiences, where Experian has neither corrected nor removed the error
Product: Student loan

This is regarding a request to change plans from IBR to PAYE that I made in XXXX. On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required. I received a letter on XX/XX/2018 stating that my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. 

I filed a complaint with CFPB on XX/XX/18, and followed up with an email to XXXX on XX/XX/18, and then a phone call on XX/XX/18. I was told that my request would be processed in 7-10 business days. I received a response here on XX/XX/18, that XXXX was working on my request, as I had called them, and my request had been put in motion. I also received a response from XXXX to the email, which was similar, in that they said I had contacted the company and the request was in motion. I called on XXXX and spoke with employee XXXX to see if anything had been done, and the representative told me it had not yet been 10 business days and she didn't know how my request would be handled. 

Everyone I have spoken with has told me I am not in forbearance, but I am, and I did not request to be. My request to the company on XX/XX/XXXX and XXXX to the company is for my account to be restored to where it was before I requested the switch. That includes reversal of the interest that capitalized. I acknowledge that I overlooked a sentence on page 8 of the form that says when you leave a plan that interest is capitalized. I overlooked it because it is not on the signature form, and now I have been made aware. There have been multiple mistakes on my account in the past, and I just did not feel like I would get neutral advice. 

It is beyond the 10 days, and there has been no restoration of my account, and the account does not reflect that a decision has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. 3500.00 XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Product: Credit card or prepaid card

I incurred repeated late fees for {$3.00} charge. First bill was {$7.00} in late fees, next was {$17.00} in late fees. Total balance was less than {$34.00}. They never called me to inform me my payments were late, they never sent any correspondence via US Mail or email. The only way I found out was through credit reporting agencies. 

I promptly made the payment, but now my credit score is down 50 points.
Product: Debt collection

I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, Couch, Conville & Blitt, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of XXXX XXXX XXXX - XXXX. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for XXXX. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access
Product: Money transfer, virtual currency, or money service

I have so many unresolved issues. This world is full of scammers so Ive been scammed through my business and others business. This happened to me at least XXXX plus times.
Product: Mortgage

On XX/XX/2021, my husband and I reached out to Mr. Cooper to refinance one of our investment properties. The purpose for selecting Mr. Cooper was the mortgage is currently held by this company and there was a streamlined process. We could provide loan estimates from other lenders and be on our way. We provided the required documents on XX/XX/2021 and were in constant contact, providing 3 months worth of paystubs from each of our employers, tax returns x 3 years, discussed the cash out options, uploaded copies of homeowners policies, etc. I received a call requesting an explanation of my pay as you are taking home less than half your salary each pay. I provided an explanation, I am approaching retirement age in 5 years, pay State and Fed taxes, OASDI, health benefits, retirement savings life insurance-they should be able to determine these routine deductions. 
***After the appraisal was completed, we had to add batteries to the smoke detector and send pictures to prove this was done. I was asked to provide a statement explaining my Allotment SV which is only {$150.00} per pay allocated to my savings account ( a secondary direct deposit ). The most disturbing request was to submit a bank statement showing we have at least {$5200.00} in reserves-checking or savings. XXXX** My credit score is over XXXX, my husbands score is high XXXX, the mortgage is currently with Mr. Cooper and we have not been late or requested forbearance, etc. ***We were also asked to show proof of home owners insurance on the property Mr. Cooper is paying for monthly. XXXX The home appraised for significantly more than our current loan to value on the property ; we qualified for this refinance with using only income from our employers, although we have been in business more than 10 years and I have income from a second job as a real estate agent. 
I am not sure what the scrutiny is related to, however, as of XX/XX/2021, we feel there is something more to this refinance process that is NOT being revealed, because we are being asked to justify and/or provide very insignificant items related to this effort. Some investigation into this company is warranted, as we are well-established having stellar credit, longevity on our jobs, own several properties and have purchasing power. 

Please help get to the bottom of this/1
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with both XXXX XXXX  and Experian. Neither one can show where this account was ever late and even sending in my credit card statements XXXX XXXX refuses to send anything to me. 

My attorney told me to make a dispute here with CFBP and get this PDF to Experian and file separately on both companies which I am doing so that we can get both into court here in MS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent various letters to have Equifax correct the wrong information that they are reporting.
Product: Credit reporting or other personal consumer reports

I am seeking a mortgage but have been experiencing significant delays due to errors on my credit reports from XXXX, XXXX, and TransUnion. The same accounts are being reported with different payment statuses and delinquency information across the bureaus, creating confusion that are negatively impacting my score. I've contacted all creditors to verify accuracy and request updates, specifically asking for clarification on the varying payment statuses, but the issues persist. Years ago, my wallet that contained my Social Security card and many identifying documents was stolen. I reported this to the police and obtained new documents quickly, but I'm concerned that some accounts may be fraudulent, contributing to the inaccuracies on my reports. I urge the CFPB to assist in resolving these discrepancies quickly to avoid further delays in my mortgage application and protect my creditworthiness.
Product: Debt collection

Transworld was asked by me on XXXX/XXXX/16 and XXXX/XXXX/16 to provide proof that XXXX XXXX XXXX owns this debt because I never signed any contracts with them. Transworld wanted me to settle this debt at XXXX % without giving me the proof that I asked for. They turned over the accounts to a collections law firm which can sue over this. I want all XXXX accounts removed to my credit report due to fraud. I only received some documents after it sent to a collections law firm, this is not legal to do this per the attorney I spoke with. The set up of how Transworld fits into this equation is not clear because it states that XXXX XXXX XXXX owns this debt but why did not the owner notify anyone that they owned debt shortly after it was purchased, it shows to me that Transworld and XXXX XXXX XXXX wants to muddy the waters by not disclosing everything. Transworld claims they ca n't remove any credit reporting but XXXX XXXX XXXX should remove due to fraud. The paperwork shows XXXX XXXX XXXX, XXXX XXXX XXXX, and then XXXX XXXX XXXX therefore the loans went through several channels ; no way that XXXX XXXX XXXX owns this debt. I had a conversation with XXXX XXXX and they acknowledged that they owned for a short time. It is illegal to make anyone pay this loan because the loans went through several channels which makes proving that XXXX XXXX XXXX own the debt a problem plus Transworld did get into trouble for not sending the validation of debt before sending this debt to a collection law firm. The loans should be removed from my credit report completely because XXXX XXXX XXXX and Transworld just violated the FDCPA by sending the loans to a law firm to avoid sending a validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with Ally is paid in full. Still shows on all credit services. Ally said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. Ally states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit
Product: Credit reporting or other personal consumer reports

The reason for this is because I have been in contact with the FTC and have been told that my Identity has been compromised due to the XXXX  XXXX XXXX XXXX. Apparently there was a Kohl 's account opened in XXXX  using my information. According to XXXX own admission. My information was part of their data breach. I'm wanting to dispute this fraudulent Kohl 's account and remove it from my credit report. Please help.
Product: Debt collection

ATTENTION TO XXXX  XXXX XXXX ( XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Checking or savings account

I was unable to access my funds due to an unjustified bank hold. The bank teller called XXXX and falsely reported an XXXX XXXX sending the entire police force XXXX XXXX to kick in my door. I still don't have my money the bank the check came from cleared on their end but I still don't have my funds many XXXX XXXX XXXXXXXX XXXX forced us hands in the air they ordered me down I'm so traumatized
Product: Checking or savings account

I disputed {$950.00} in fraudulent charges made between XX/XX/year> and XX/XX/year> in XXXX, XXXX, and XXXX. Despite my claim, Wells Fargo denied my dispute without explanation or evidence of an investigation. Once noticing the charges, I locked and disabled my card and let Wells Fargo know of the unauthorized charges immediately. I was not contacted for additional details or provided any reasoning behind the decision. Under the Electronic Funds Transfer Act ( EFTA ) and Regulation E, financial institutions are required to investigate unauthorized transactions and provide a written explanation for claim denials, which Wells Fargo failed to do. 
I request : A full explanation of why my claim was denied. 
Reimbursement for the unauthorized transactions. 
Confirmation that Wells Fargo conducted a proper investigation. 
Attached are screenshots of the disputed transactions, the claim details, and Wells Fargos denial. Please assist in ensuring Wells Fargo follows federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to Equifax in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested Equifax to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have Equifax to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent Equifax documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified USPS mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by Equifax. 
Thank you for your attention to this request, US citizen.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement require
d with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Money transfer, virtual currency, or money service

My husband and I are in the process of purchasing our first home. We waited until XXXX on XX/XX/2020 to get the greenlight about our mortgage loan before I sent a request for a wire transfer. 

I sent the request at XXXX on XX/XX/2020. Note : This was an hour after the Ally Bank wire cutoff time. 
About an hour later I called Ally Bank because I never received a reference number for the wire. I was told that the wire department would contact me to verify the wire and that I would get a call around XXXX the next day ( XX/XX/2020 ). 
Today XX/XX/2020 - the day of my house closing - I called at these times : XXXX, XXXX, XXXX, and XXXX. 
Every single time I mentioned that we were on a time crunch due to us closing on our house today. No one ever mentioned to me any sort of delay or mentioned that they needed additional information to make the process go by quicker. 
Since I sent the request after the cut off time on XX/XX/2020 it allegedly didn't give the wire department sufficient time to get the verification for the wire to send out today, XX/XX/2020. My closing officer got involved and nothing was accomplished. 
We didn't end up getting keys to our house today because the wire was never sent despite the urgency of the matter.
Product: Mortgage

I was instructed by the FDIC to make this complaint with your Agency. In XX/XX/year>, I received a letter from M & T Bank advising that my mortgage was going to increased. I called ( XXXX ) XXXX and spoke with a Customer Service Rep. I was told that my mortgage was being increased because my taxes and insurance increased. The increase was {$1200.00}. I asked him to document my record and inform that I will be paying the increase on my own which I did. However, my mortgage was still increased though I have a fixed interest rate. I called M & T Bank several times to enquire why my mortgage was being increased. I also provided copies of the payments that were made and still, the bank is doing nothing to put my mortgage back to the original amount. In addition, every time, I pay my mortgage, the bank is taking a large amount out of the payment as fees. Also, the bank is not putting the correct amount in my Escrow then they turn around and say my mortgage was not paid on time or that my mortgage has to be increased because my Escrow Account funds are low. Furthermore, I was informed that two payments were made to XXXX XXXX though I only had XXXX insurance for one year. I was informed that {$1100.00} was paid but only {$800.00} was returned. However, M & T Bank is doing nothing to have the rest of the money refunded so it can be put back in my XXXX Account.
Product: Mortgage

I have sent all my documents several times to the loan modification processor and I keep receiving request for the same documents. They ask for us to complete documents that are already completed and sign. We are being treated unfairly. 
One of the document requested was the taxpayer first act document. We sent it and they just told us it was not complete and as you see it was signed and sent via mail and email on XX/XX/22