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

This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a previous error on my credit that I was unaware of. I only discovered this error after being denied several times for loans. I had that issue resolved, but the resulting inquiries are still on my credit and have done nothing but cause more denials in credit since excessive inquiries hurt quite a bit. As a business owner I can't have these issues, especially since they are a result of a previous mistake. And the process to contest inquiries is made nearly impossible by the credit bureaus system. Thank you.
Product: Mortgage

Statebridge Company or one of it 's employees cashed a check for {$3100.00} that was sent to them to be applied to my escrow account. I have called daily since check was mailed to them and have been told they had not received it. The check was issued by XXXX ins and they confirmed today that they check was cashed XX/XX/2016.After speaking with XXXX different representatives and I confronted them with the fact that they had, indeed cashed the check I request to speak with customer service manager and was instead transferred to the insurance department. They have refused to respond to my written request to apply funds to my escrow account as request.
Product: Credit reporting or other personal consumer reports

ARBRITRATION WILL BE FILED IMMEDIATELY IF THIS IS NOT RESOLVED WITHIN 4 BUSINESS DAYS. 

Transunion has removed XXXX and XXXX XXXX Account from report, but not XXXX. These accounts are a resulto INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX & Transunion File Number : XXXX, XXXX, and XXXX. 

Consumer rights have been violated per 15 U.S. Code 1681n - Civil liability for willful noncompliance & the Fair Credit Reporting Act, Fair Debt Collection Practices Act. INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX, and Transunion report showing proof of claim that 2/3 accounts were removed from the Identity Theft Report. 

We are inquiring to know what does XXXX considered to be a reasonable procedure when investigating your disputes? What steps are taken when a dispute comes through to your company? Is your team looking for the verification and tangible evidence? 

Provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. Explain what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. What certified documents were reviewed to conclude your investigation? Has the Consumer been informed of any steps to take in order to further protect their identity or prevent future fraudulent activities from appearing on their credit report? Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft? As such, the Consumer is exercising their rights under 605B of the FCRA to request the removal of fraudulent items from the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX I Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
Product: Mortgage

My mortgage company dont want to deferred my mortgage payments according to the recent law XXXX XXXX XXXX XXXX XXXX XXXX and they only did it on XXXX, XXXX and XXXX but I lost my job and now they dont want to respect the law and would like me to pay or get of any assistance
Product: Credit reporting

I purchased a credit report from Experian for {$5.00} and got it with no problems. However for XXXX months afterward I was charged {$19.00} for credit monitoring which I never asked for. Called the company and requested a full refund and they would only credit me with XXXX months charges. Moral of the story is read the fine print on these forms because even the credit agencies will cheat you if they can get away with it. Case # is XXXX
Product: Student loan

Dear senior CFPB officials ; My input on junk fees associated with award year XXXX student loan charges, mandatory back charges by lenders and banks called 'consolidation ' but these do not make one loan, it's just unexplained, multiple one-time fees imposed on students who hold a student loan and have the loans transferred under the power of the student loan lender and not by student request, in fact, these changes and charges are against my will. Initial charges were unclear, I have paid over 8 % interest on what should have been subsidized loans due to the involuntary, multiple initial loan amounts, subsequent consolidations and loan transfers. 

Unexpected loan amounts and thousands in fees for mandatory, involuntarily imposed loan transfers and consolidations which are changes adding fees that seemed too high ; and fees where it was unclear why they were charged. 

If this was a well-regulated, well-supervised banking industry, the most competitive in the world, then why am I locked into indentured servitude with a 47 year repayment plan? As a consumer, I never was able to benefit from the ability choose how the bank was lending to the school to meet their tuition needs. I was left in the dark about the amounts charged, {$10000.00} for a diploma mill ( not a real school with an XXXX XXXX ) and not aware I was being ripped off due to the non-cooperative nature of the lender, and the school being insolvent at the time of the enrollment and then disappeared after the State of California 's involuntary Administrative Dissolution. 

It's also somewhat unclear as to how effectively you at the CFPB will help regulate the fees that student lenders charge initially and the consolidation abuses that follow it and increase the principals without the knowledge or consent of the student debtor. Let my public input will you to try to better enforce efforts to free me. I have been a federal employee for 13 years. I have paid over XXXX, made at least XXXX payments, with XXXX of those being during federal employment which began 2008 and continues today. Not only did a fake school rip me off to begin with, leaving me at minimum wage, but the 8 % interest, compounding fees for multiple consolidations assigning thousands more to the principal, I have been wronged and deserve this to be heard and for policy to change for bad schools that lock kind people into bad loans, and the federal policies that increase the principal of them. 

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Product: Credit card or prepaid card

In XXXX of XXXX i contacted target regarding fraudulent charges that had occurred on my Target sore card account. The fraud department assured me i will not be liable for said fraud charges and they will initiate an investigation. I asked in the meantime what will i do about the balance and the representative informed to do nothing until i receive a letter about the results of the investigation. 

Fast forward to XXXX i was alerted by XXXX that i have a XXXX late payment from Target store card. I was shocked because i did not receive any correspondence from target since i last spoke with them in XXXX. When i called the customer service number i was told the instigation was completed XX/XX/XXXX and i had a balance left on the card that became past due. I informed the representative that i never received any correspondence from target regarding the completion of the investigation nor did i received any alerts/Emails/Calls or letters that i had a balance due. They apologized and had the matter escalated to the rep who handled this case. I was told the XXXX late report would be removed but no such thing has happened. My credit score has dropped by XXXX and im in the middle of purchasing a home.
Product: Mortgage

I have submitted the required short sale packet to the required email address over the minimum 30 day submittal requirements and OCWEN has had me resend it to two additional departments during that time period. My sale date is coming and I still don't have any answers or hope in site of the sale date being postponed for file review. I have been told it takes 30 days to review and to be assigned a rep to handle my account. It has been over 30 days and still no new info on a rep being assigned to my account. I would like the sale date to be postponed so I can avoid a foreclosure and continue with the short sale.
Product: Debt collection

I got a letter from Cavalry on XX/XX/2020 about an obligation for XXXX. With all the scams going on, I sent a validation letter on XX/XX/2020. Calvary responded on XX/XX/2020 which incorporated a generated bill statement expressing that was confirmation and it's my obligation which doesn't meet the FTC guidelines of what constitutes proper debt validation is. None of the documentation had my signature on it and the pertinent documentation mentioned to demonstrate the debt is mines wasn't sent. I reacted with a second letter on XX/XX/2020 requesting them to validate the debt and informing them of their violation of the FDCPA. I've enclosed all letters sent and received. I'm waiting now on my request for a validation letter
Product: Credit card

I signed up for a one time credit report on XX/XX/2023 for XXXX dollar..and cancelled it a few days after because i had the option to cancel after 7 days so i would not be charged every month for {$29.00}. Well low and behold they charged my c ard for {$2900.00}. I called PNC Bank -- the issuer of the card and filed a dispute as soon as i saw my statement on XXXX XXXX 2023. 

This credit monitoring business is a scam. As soon as i saw the charge on my PNC bank card I immediately called and filed a dispute. I get a letter from XXXX XXXX dated XX/XX/2023 on behalf of XXXX XXXXXXXX XXXX. I have no idea who XXXX XXXX is but they denied my dispute, The card says PNC bank on it. 

XXXX XXXX is allowing these scam outfits to make false charges. I dont know who XXXX XXXX is or XXXX XXXXXXXX XXXX XXXX  My card that was charged was issued by PNC Bank visa.. I cancelled my card and was reissued another one.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open account on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open account persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of this inaccuracy. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of this late open account not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into this late open account, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct this error and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of this inaccuracy. I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open account on my credit report. Please consider the significance of this issue and its impact on my financial wellbeing. Please help me correct this account immediately : XXXX XXXX XXXX Balance Owed : {$260000.00}.
Product: Checking or savings account

XXXX 2023, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX. he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX, does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX. After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) paid in multiple transactions. The payments were initiated through my account with WELLS FARGO BANK. WELLS FARGO never warned me about potential risks associated with those payments. I have tried to resolve the issue with WELLS FARGO. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of today, the bank has not offered a compensation for the losses I have suffered.
Product: Mortgage

I XXXX XXXX XXXX, obtained a " Interest Only '' Loan with XXXX XXXX inXX/XX/XXXX, and I paid flawlessly until notified XXXX onXX/XX/XXXX that I was scheduled to retire in XX/XX/XXXX and wanted a Loan with Payment on the Principal not just the interest by a Loan Modification. On XX/XX/XXXX, XXXX informed that the Loan was now being service by XXXX. 
XXXX steadfastly continue to ask for the XXXX  over and over while changing Loan Representatives whom continue to say the file is incomplete. When they finally offered a Loan Modification, it was based on MY SALARY, not my RETIREMENT BENEFITS! 
I listed the property to SHORT SELL, but XXXX kept refusing the offers, then the Mortgage was transferred to Carrington Mortgage Service on or about XX/XX/XXXX. 
I used XXXX XXXX XXXX XXXX of Florida to help prepared the Loan Modification Packages and after several Months of sending packages to different Loan Representatives, we finally assigned a thorough, competent Representative, XXXX XXXX, who informed my Representative, XXXX XXXX of XXXX XXXX XXXX, that the Underwriter denied the Loan Modification because my retirement income of XXXX and my non-contributing Borrower, and Spouse retirement income of XXXX was insufficient to offer a Loan Modification based on their Investor 's Guidelines. 

As Seniors we worked hard and retire only to be told we can not remain in our home after paying for 15 years XXXX plus to XXXXXXXX XXXX over {$320000.00} IN INTEREST ONLY!
Product: Mortgage

The lender did not send us the certificate of occupancy but instead sent someone to our residence to verify occupancy, not once, but twice!!! Then we received the form in the mail and they claimed they had sent it prior. They harrass us!! We had company! It was embarrassing! I think they want our home or something! They wo n't send us the form so my wife can speak on my behalf because she understands all of this fair debt and banking but I do not. They insist they have to talk to me. I am the borrower and she is the non borrowing spouse but if I say they can speak to her, why ca n't they. Why can they just randomly send someone to our house? This is our home!
Product: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt.

This includes, but is not limited to, the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed explanation of the debt, including any interest, fees, or other charges.

Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I noticed lots of errors listed on my Equifax credit report, so I called them about incorrect addresses listed along with credit inquiries I have no knowledge of. I spoke with someone at the company by the name of XXXX XXXX in the fraud department, she actually removed the inquiries from my credit report and gave me a confirmation number of XXXX. Equifax has yet to update the credit report nor mail me an updated copy after I have requested it several times. I honestly believe at this point they are just lying to there consumers to get them off there phone and continue to make money off them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, XXXX, XXXX, LexisNexis and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX from XXXX XXXX. In XXXX XXXX the company ( XXXX XXXX ) was sold to XXXX XXXX XXXX XXXX In XX/XX/XXXX, the vehicle was stolen and a police report was made, and was also reported to the insurance company. The insurance made all payments for the vehicle. In XXXX of XXXX I started getting calls from XXXX XXXX requesting payments. I explained that the car was paid off to XXXX XXXX by insurance and the continued to call. In XXXX, XXXX a payment of {$100.00} pop up on my credit report stating that I made a payment when I didn't make " any '' payments to this company. So I contacted them and told them that I didn't make any payments and I was told that there was nothing I could do about it. So I disputed it with Experian, XXXX and XXXX and they said it was valid. In XXXX and XXXX of XXXX XXXX more {$100.00} payments pop up on my credit report. In XXXX of XXXX another {$100.00} payment pop up again. " I am not making these payments ''. This company is reporting fake payments to keep this account on my credit report.