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

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Equifax Upon reviewing my report, I found several errors that I believe require immediate correction. The items in question are listed below : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written confirmation of the outcome within XXXX  days, as required by law. If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$30.00} from Creditor : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Selene finance did not send any documents stating change in loan modification or give me information about new recast Nys haf is looking into where they applied funds and a lawyer is looking in predatory lending practices By trying to put in place a loan modification instead of recast I am still in arrears The bank has not been truthfully with agreement set forth by Nys haf Predatory lender
Product: Mortgage

My condo lawyer tricked my mortgage company into paying her money that I will owe them which is illegitimate - in two different instances. 
1 There was a nonjudicial foreclosure case against me based on false information and trumped up charges ( condo fees paid on time then refused, etc ). My own lawyer scheduled a Temporary Restraining Order Hearing with a Judge to challenge and stop the foreclosure action which required me to pay {$26000.00} to stop the auction sale. Hours before my hearing, I was told that it was cancelled because the condo lawyer got my mortgage company to pay her {$37000.00} - {$10000.00} more than the {$26000.00} required to stop the auction sale. I was deprived of due process, and my opportunity to challenge this illegitimate act before a judge. I now owe my mortgage company {$37000.00}. They did this without necessity, my knowledge or permission. Had they called me I would have told them not to pay and let me have my hearing which likely would have stopped it. I always pay my mortgage on time and have never had a problem with my mortgage payments or any other bills. 

2. I was recently accused of being delinquent in paying my condo fees and was prevented from speaking or voting in condo elections and was told I was not allowed to be on the roof deck because I was not in good standing. The Board president falsely accuses me of not paying assessments and told me that my mortgage company was paying them for me. I had no idea. No one told me. On Tuesday, XXXX XXXX, I spent two hours on the phone with Chase and only them learned that they had been paying my condo fees for 18 months, without necessity, my knowledge or permission. 

Furthermore, there is also a judicial foreclosure case against me, in which my mortgage company is a co-defendant. I have tried to communicate with the mortgage company lawyer, since I am now representing myself, pro se, to get information and to coordinate. He did not want to coordinate with me, which I guess is his right, but he also did not answer most of my calls and emails, except one refusing to collaborate. I asked him how many of my condo fees they paid and whom I could speak to and he did not answer. I think it is in our mutual interest to communicate and work together. I was disappointed. He could have at least told me how many fees were paid.
Product: Credit reporting or other personal consumer reports

I Submitted A FTC Identity Theft Affidavits XX/XX/year>XXXX   Experian CEO XXXX XXXX, Controller and Underwriter has not deleted the negative items off of my consumer report. The negative items are defaming of my character and violating my rights. I have attempted several dispute of the years. which have not been corrected. They are violating my security and right to privacy. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 guidelines for accurate consumer credit reporting, I am formally requesting an immediate update and correction to my credit profile. This notice serves as my formal request under federal and applicable state laws, including but not limited to FCRA 611 ( 15 U.S.C. 1681i ) and state regulations, to ensure my credit report is complete, accurate, and free from any erroneous or outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}
Product: Debt collection

I was a victim of identity theft. I filled out an affidavit with a notary I also have a police report. I mailed, faxed and email my document to Common Wealth Financial Service beginning in XXXX. I have called numerous time to get my situation resolved. I have yet to receive any details of the bill who I owe and why I owe. It has been well over 30-60 days. Each time I call in I get the run around from very unprofessional representatives. We are waiting but never given a description of what.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Loan OfficeXXXX can't access credit report
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

ON XX/XX/XXXX I GOT CHARGED {$36.00} TWICE FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED 4 TIMES FOR {$36.00} FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED ANOTHER {$36.00} ON XX/XX/XXXX I GOT CHARGED OVERDRAFT FEE FOR $ XXXX DUE TO GOING A COUPLE DOLLARS OVER ON XX/XX/XXXX I GOT CHARGED {$36.00} 3 TIMES FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED {$36.00} FOR ANOTHER OVERDRAFT FEE. I AS WELL ONLY HAVE A DEBIT CARD NO CHECKS OR ANYTHING THAT WOULD HAVE TO WAIT TO GO THROUGH FOR THE EXTRA FEES. I HAVE BEEN CHARGED FOR THE ONE TIME {$360.00} FROM OVERDRAFT FEES. 
I HAVE RECENTLY MADE A 2 HOUR TRIP TO XXXX IOWA TO TRY AND WORK SOMETHING OUT AND DISCUSS MY SITUATION AND MY OPTIONS. THE GENTELMAN SAID HE WOULD PUT IN THE COMPUTER THAT WE SPOKE AND LATER COME TO FIND OUT HE DIDNT AND AS WELL 3 TIMES A DAY US BANK WOULD CALL ON MY BALANCE. I HAVE A MEETING IN XXXX IOWA ON XX/XX/2019 AT THE US BANK TO DISCUSS MY OPTIONS AGAIN AND AS WELL OVER AN HOUR DRIVE. I HAVE EMAILED US BANK AND CALLED MANY TIMES AND EVERYONE HAS TOLD ME SOMETHING DIFFERENT. I HAVE ASKED ABOUT IF US BANK OFFERS HARDSHIP AND NEVER GOT DIRECTLY A YES OR A NO. IM ASKING ABOUT THAT BECAUSE FOR ALMOST 6 MONTHS I CAN NOT WORK DUE TO FINDING OUT I HAVE A XXXX XXXX WHICH THAN HAD TO FILE FOR XXXX. I HAVE OFFERED PROVE IF NEED BE TO SHOW MY HARDSHIP AND EXPLAIN THAT IT WILL BE SO HARD TO CATCH UP WITH SO MANY FEES AND WANTED TO SEE IF THEY COULD FREEZE MY ACCOUNT OR MAKE IT WHERE I COULDNT HAVE ANYMORE FEES ADDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account names and # 's above has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have never received a bill. Customer service wont help me take care of setting up payment plans. Company wont give me information to resolve the loans.
Product: Debt collection

SYNCB/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Sent to this collection agency, In the amount of {$900.00}
Product: Student loan

I have been a long term customer with Navient. I was never afforded the opportunity to to apply for an income adjustment because I was always pushed to a deferment although I stressed I was unable to afford payment. In addition, my account suffered XXXX days past due and has affected my credit tremendously. The representative at Navient never tried to accommodate me in my best interest. Therefore, my accounts are in distress as well as myself.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for BANK OF AMERICA XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on BANK OF AMERICA XX/XX/year>. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Mortgage

on XX/XX/2016 selene finance bought my mortgage, on this date I was informed that my monthly payment was going up. from {$770.00} to $ XXXX.I was in chapter XXXX bankruptcy at this time and the new mortgage company knew it from the letter they sent me.This company did not file with bankruptcy courts as bring my new holder or the rise in the paymeny.I informed the company of this, but made no effort to change it.So for the next 14 months I was {$110.00} short, so that comes to {$1500.00} short on my escrow.The company said I am {$4000.00} short.I tried to explan this to them, but I am not getting anywhere wiyh them.If they had followed the bankruptcy laws this wouid not have happened.And somebody needs check their math
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, XX/XX/2020, and XX/XX/2020 an unknown individual gained access to my banking information and made four separate XXXX transactions from my savings and checking account to themselves ( {$490.00}, {$490.00}, {$490.00}, {$490.00} ). During this same time I believe the individual changed my personal email password numerous times as an attempt to keep me from seeing the bank emails that notified me of the XXXX transactions. I would reset my password and then a few hours later I could not access my email. When I looked in my spam folder I saw four emails from the bank notifying me of the transactions. I immediately called my bank to notify them. My case was turned over to their fraud department. The fraud department concluded that because the individual had my login and password, they are refusing to return my stolen money. These transactions were unauthorized by an unknown person or persons.
Product: Credit reporting or other personal consumer reports

My student loans federal and private are with Mohela- they were with XXXX. My problem was I got a credit score drop notification, while my loans were on forbearance, and Mohela stated they put my loans as unpaid for 60 days. I have been on top of my loans for forbearance and a payment plan. I do not have emails stating my loans were out of forbearance and payment was due. I have called Mohela, and they stated they now report on credit scores. I stated that I have my paperwork as electronic email and I did not get notification. I am already struggling to pay all my bills on time but I call and put myself on forbearance or a rate plan that I have coming out every month on my accounts. 
This is devious and it destroyed my credit score. This needs to be reported. They said that my account was in transition from XXXX to Mohela and they cant fix the credit score until the next month. This needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I informed Experian to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. I've also called Experian multiple times to have this removed over past 2 months and didn't removed it. I didn't even ask for a fraud alert. They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago. 

Experian, there should be NO fraud alert on my file! You changed it from extended fraud alert to it now being a one year fraud alert. I've asked multiple times for no fraud alert being on my file. 

Enclosed is ID, social security card, and proof of address.
Product: Mortgage

On XX/XX/2023, Wells Fargo used excess XXXX funds to pay off mortgage without notice and without permission ( complaint already filed : XXXX ). 

On XX/XX/XXXX, I received an email from Wells Fargo indicating that my " new escrow review statement is available online ''. Upon review of the Final Escrow Statement, I discovered an accounting discrepancy between that statement and that of the XX/XX/ ( regular mortgage payment ) disbursements of funds : The mortgage payment detail claims {$420.00} was collected and added to the Escrow account ; however, the Final Escrow Statement indicates that only {$400.00} was collected and added to the Escrow account in XX/XX/, leaving an excess of {$63.00} to be refunded. No explanation of this discrepancy has been provided by Wells Fargo. There also is no detailed accounting for the disbursement of funds from the XXXX account on XX/XX/, which were used to make the final mortgage payment.
Product: Student loan

I've have file a complaint once before about American Education Services aggressive collection practices. Per the recommended resolution of my 1st complaint, i enrolled into their direct debit program. I stopped the scheduled direct debit from happening on XX/XX/XXXX using AES online website. On Thursday XX/XX/XXXX @ XXXX CST, I called to ensure that my direct debit was in fact cancelled for the XXXX of XXXX and the payment moved to the XXXX. The agent i spoke with on XX/XX/XXXX informed me " the payment I submitted to be debited from my account on XXXX was already in process, in fact it was already sent to my bank for withdrawal. '' On the morning of XX/XX/XXXX, i received an email saying that my account was more than 8 days past due?? When i called American education services, i was informed that my payment was cancelled with no notes on when, who, or why it was cancelled. Nor was i sent ANY correspondence telling me it was cancelled. I repeatedly asked the 2 agents i talked to today ( XX/XX/XXXX ) to pull the call record from Thursday XX/XX/XXXX @ XXXX. The agents did and said nothing, only that they had no information the cancellation of my payments BUT they have already repeatedly contacted my cosigner ( and not me the borrower whos making all payments and whos contact info is listed ) multiple times again using aggressive tactics, mis information and not giving any type of accurate information. I was also hung up on by someone in the complaint department after providing my bank account information to pay the " past due bill ''
Product: Credit reporting or other personal consumer reports

Hard inquires on my credit report that dont belong to me.
Product: Mortgage

On XXXX XXXX I received a loan for a home I was Buying. Upon applying for the loan I told the processor that I was going to immediately pay the mortgage down buy putting a large sum of money and was told that that was no problem, that they would recast my loan and that would lower my payment. The Monthly payment is {$1500.00} whish is a sizable amount for me. Less than 30 days later I payed {$90000.00} to bring my loan to XXXX Approximately. 
I notice my loan had not been recast so I called them and was told that there was a {$250.00} recast fee that was never disclosed to me. So after fighting with them I paid the {$250.00} recast fee to get the payment down. Upon checking online again I see that the {$250.00} was put towards my Monthly payment so I call them again. I am told that it takes 2 Months to process the recast to get my payment reassessed. Again not disclosed at the time of the of the payment of the {$250.00} fee. I am not refinancing just wanting my monthly payment to reflect the balance {$34000.00} over 10 years and feel that 2 months of the high monthly payments is long time frame to recalculate the numbers. The fee and lengthy wait was never disclosed to me. I feel this is an unscrupulous practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is not my debt. The company wants to collect twice on a unit. I received notice of this fraud debt when it was put on my credit. Ive never been to court or anything because I never owed. Also telling me that I can rent with them presently if I want to knowing they have debt on my collections that is not in my ownership says a lot about their business practices and ethics. I will not fall into the tactic of renting with them again. Poor management that changed nearly twice a year most likely because of misappropriation of funds and financial practice.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX  XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate date last paid. Delete this account Because XXXX is reporting the date last paid as XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. Delete for violation of section 623
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been in dispute with XXXX, Equifax and XXXX about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX, Experian and XXXX to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Product: Debt collection

I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XX/XX/2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions