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

My name is XXXX XXXX, I was reaching out to you regarding some assistance. 

The issue that Im having with this company, Lendly Loans, they have reported me having late payments from last year from XX/XX/XXXX and XX/XX/XXXX, I checked my credit report from XXXX and XXXX!!!! I have made my payments for this company and they keep reporting me as late. My loan is almost paid off with them this year in XX/XX/XXXX. XXXX sick and tired of this company reporting me late, when I paid last year XX/XX/XXXX, balance. I spoke with a lady who told me that XX/XX/XXXX payment amount was paid and was not returned so I would not be marked as late, I feel this company is very shady and send incorrect information to the credit reporting company!!!!! All this information is from XXXX and XXXX. 

Give me assistance or help on what to do would be very appreciative as Im trying to establish eventually getting a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately. I have been trying to remove this inaccurate information for over 9 months now, please update and comply.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX from wells fargo called me Left a message to call at XXXX I have left several messages he had not returned my call. On XXXX? Please don't forget XXXX was XXXX served my foreclosure on XX/XX/XXXX. I suppose hoping I wouldn't find a lawyer to help me. I am so tired of these antics Can't the cfpb call me. Wells Fargo is not going to help me thru caused this. 


My home at XXXX XXXX XXXX XXXX XXXX XXXX was stolen from me in a foreclosure XX/XX/XXXX In XXXX  my husband got laid off after the bo. Oil spill so I called wells fargo to apply for a hamp modification. I was told I had to be in default before I could apply. Not wanting to lose my house I continue to pay during that time and it placed in a special account (. Never saw that money again ). Finally at the 3 month they key me apply. My documents for the application were lost although not faxed sent in a XXXX XXXX  mailer. Then I received a letter in the mail that I was being foreclosed on. XX/XX/XXXX I was served. ( you have 20 days and I XX/XX/XXXX no lawyer is in their office. Thank God I already had a lawyer we were waiting on me getting served. So I called and the next day we signed on the dotted line and retained a lawyer. On XX/XX/XXXX my 1st case was dismissed with prejudice because wells fargo failed to produce discovery. I was served again XX/XX/XXXX ( this time close to XXXX they just love that ) We hired my attorney again. This time I did a deposition, still no discovery but nationstar takes over in XXXX. They offered me a predatory modification I paid months before I learned it was predatory and refused that. Then. XX/XX/XXXX was a set trial by XXXX county judges. The judge sent out a letter wanting to know what everyone was presenting at trial since there was no discovery. XXXX answers ( and its on my XXXX ) they do not have any original documentation so the trial was continued. In XXXX note # 3 XXXX XXXX asset trust took over. My original lawyer was disbarred and XXXX  kept calling instead of calling my new lawyer. So my new lawyer started a lawsuit with them for calling me at work. At trial for XXXX No discovery, no letter from Judge. The new lawyer i highered stated if we go to trial we will lose!! With no discovery I was forced into a settlement the night before trial. Then I didn't sign for a month When I finally received it a month later which included the dismissal of the other lawsuit we didn't discuss that. All fraud!!!! They stole my house XX/XX/XXXX. Then to top it off they filed a lost note affidavit the day of trial after I was forced into your settlement. Then they paid XXXX $ at an auction for house that way in my name!!! A XXXX $!!!! If they owned the house now are they buying it for XXXX $ why was i not emailed to buy my own house for XXXX XXXX Then the news about the wells fargo settlement XXXXXXXX XXXX XXXX XXXX XXXX XXXX How do I become pay off this settlement and get my money for being a victim of wells farg I am a Florida XXXX XXXX XXXX XXXX Am homeowner in florida since XXXX to go through this horror is rediculous Please help. At XXXX  my home equity is fine stolen. My investment gone. I think this was all fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

On XX/XX/XXXX I deposited, into my Capital One savings account, a bonus check from my workplace of $ XXXXImmediately the next day, Capital One flagged the account and put it under investigation for some reason. The account was frozen and I was not allowed to touch the funds for withdrawal. During the investigation I called Capital One to discuss why the account had been frozen and they said it was just under investigation and they would not tell me more. I ignored the problem while they were investigating the problem hoping it would only have taken a couple weeks to determine there was no issue for my money in my savings account. Throughout the investigation period, Capital One was applying the monthly interest to the amount that was in the account. XXXX  forward to XX/XX/XXXX and I look on the banking app and notice a withdrawal of {$2400.00} had occurred. I quickly called Capital One asking who had withdrawn the funds, since it was a frozen account, and they replied the funds had been sent to the Department of the Treasury XXXXXXXX XXXX Virginia as an unclaimed account and to keep my eye on a website named XXXX to go and claim my money from the state. After this phone call, on XX/XX/XXXX, Capital One sent me a check of {$0.00} because they officially closed out my account for good so I could not access or investigate further. I contacted the claims department in the Department of the Treasury XXXX XXXX  Virginia and they sent me and inquiry form to fill out to determine if the money had indeed been handed over to them. The Department of the Treasury XXXXXXXX XXXX Virginia received my inquiry on XX/XX/XXXX and sent a reply letter. According the Department of the Treasury XXXX XXXX Virginia, I need a letter from Capital One stating the amount sent, date sent, reported name, and the account number. I have contacted Capital One XXXX separate times to acquire the aforementioned letter from them and every time they say they are going to send the letter to my current address and nothing has even become of that letter. At this point since both Capital One and the Department of the Treasury XXXX XXXX  Virginia say they do not have my money, I am not sure where it has disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX19 I paid XXXX XXXX {$2000.00}. Which paid the account in full. As of today on Experian the balance is still {$2000.00}. XXXX and XXXX XXXX have it corrected. experian has not.
Product: Credit reporting or other personal consumer reports

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of noncompliance and negligence, which directly undermines the integrity of the dispute process. Below is a list of the items I am disputing : XXXX XXXX  {$170.00} # XXXX XXXX XXXX XXXX {$640.00} # XXXX XXXX bank # XXXX XXXX  card # XXXX XXXX {$390.00} # XXXXXXXX XXXX XXXX XXXX XXXX ( late payments ) # XXXX XXXX  XXXX ( late payments ) ( charge off ) # XXXX XXXX XXXX XXXX XXXX  ( late payments ) I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 

Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions, I can be reached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened fraudulent accounts in my name
Product: Credit card or prepaid card

I make payments through XXXX XXXX bill pay. I paid {$300.00} on XX/XX/2021 with an additional fee of {$5.00} for the next day 's payment to the company. XXXX XXXX states the payment was sent and received on XX/XX/2021 and the credit card company is saying the payment has not been received as of today XX/XX/2021. Now, First Progress credit card has charged me a late fee of {$40.00} and this has charge has put me over the limit of my credit balance which will be reported to the credit reporting agencies. This will impact my credit which I'm striving to improve and not have any late or over limits on my credit report. This happened once before when the bank was closed for the holiday and I was charged a late payment. I know from working at the bank for years that the processing doesn't close even though the retail side is closed. There's a small crew still working processing transactions. XXXX XXXX has put in an investigation which will take up to 10 days, while in the meantime I am being inconvenienced and impacted by this negative mark on my credit for which I paid my bill in time to be credited to my account. I would like to know who is at fault and my credit is corrected for this mistake. I will dispute this will the credit agency.
Product: Credit card or prepaid card

Found this card in my husbands things after his death. Called to inform them in XX/XX/XXXX that this was not opened by me and I did not authorize My spouse to open this account. Letter sent to Customer Service/Fraud unit on XX/XX/XXXX
Product: Checking or savings account

Tried to access my checking account to pay a bill and got a notice of verification code sent to a new phone number XXXX ( not mine ) Had to get account locked and was told to report to FTC.
Product: Mortgage

On XX/XX/XXXX of 2021. I XXXX XXXX and spouse contacted Movement Mortgage stating. That we had submitted a formal letter and form provided by Movement Mortgage to remove PMI from our mortgage account based off of the equity now in our home due to the increasing demands of real estate. A letter was received stating that the company would soon evaluate our request. Several weeks later I received a letter from Movement mortgage asking me to provide proof of improvement made to our home. I then called and emailed Movement stating that improvement to the home was never the reason we asked for the PMI to be removed but the accrued equity in the home. The Movement mortgage representative then stated they would correct their records and an appraisal would be don on the home with fees charged to us. We were told by the movement mortgage representative that they could not accept an appraisal from us directly. My husband and and I agreed to the terms. After several follow up calls to Movement asking about the status we only received that they were working on it no further action was needed from us. After three months of not hearing any word from the mortgage company, we finally sent a demand letter for information after calling XXXX XXXX and XXXX XXXX for guidelines on removing PMI. Movement stated they were sending our case to escalation but after a week we heard nothing. Then on Friday the XXXX of XXXX, we received a call from Movement Mortgage but was unable to hear the person on the other end. We immediately return the call. The customer service representative said someone that was a costumer service supervisor named XXXX had called us and that she was messaging him that we were on the phone. The representative said she was going to cold transfer us. After 10 minutes there was no sound and the phone disconnected. We called once again to Movement and explained the series of events to the new Movement representative we were put on hold. When the representative return she said XXXX informed her that we would not be available for a call on Saturday and that we have been more than patient and that XXXX should have called us back as he knew we had tried countless time to reach him on this high priority issue. We are within our rights to have the PMI remove but Mortgage refuses to follow its owns process to move forward with our request and we seek assistance with this matter. XXXX and XXXX XXXX
Product: Debt collection

I'm not liable for this debt with JEFFERSON CAPITAL SYSTEM. I do not have a contract with JEFFERSON CAPITAL SYSTEM. They did not provide me with the original contract as i requested
Product: Credit card

I opened a new credit card account with PNC and immediately set up auto pay to avoid any fees or late payments. Their system chose a payment date for me and I completed the setup with my bank account. I review a statement several months later and saw that I was being charged late fees. I called PNC to get this situation corrected and a customer service representative informed me that my payment date was after my due date. The representative told me that she would correct the issue and as a courtesy remove one ( 1 ) late fee. A few months later I reviewed my statement and was still being charged late fees. I called PNC and requested a supervisor review what had happened and to get the recorded calls. I have not been contacted as of yet and am still getting late fees.
Product: Bank account or service

Somebody cashed a fake check with a fake signature ( which the bank did not catch ), emptying my account and now Wells Fargo refuses to refund the amount stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had got notifications on my phone that someone that sent money to my cash app, I looked at who had sent me money and I did not know this person. A few seconds later a different person had logged me out of my cash app and sent someone else money from my cash app. I then unlinked my bank account information from my cash app, as I was doing that I noticed that the money I had in my cash app account that was sent to me from my fianc was gone. I immediately starting chatting to cash app and they told me to call the number, I called the number the next day because that night they were closed, when I called cash app they told me to file a dispute online. I then filed the dispute and the dispute came back on XX/XX/year> as denied because I had my phone with me during the time of the transactions. I called Cash app again telling him that I want my money back and Im not understanding why the dispute came back declined, the person I talked to said on his end it was resolved and that basically im out of the XXXX bucks that I was sent because I didnt send the money, I had gotten the XXXX dollars sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX & XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190.00}, XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX. 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain late payments listed on my consumer report, as obtained on [ insert date ]. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information.

I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ name of company reporting late payment ].

Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed.
Product: Student loan

I have been a XXXX XXXX for almost 12 years. I am writing today because I have been waiting for two years for my PSLF discharge on my student loans to process from the U.S. Department of Education. The loan servicer indicates that I met the qualified number of payments in XX/XX/XXXX. I am now more than 28 months past that date. 

I have called repeatedly for guidance or answers ( both the previous servicer and now our current servicer ), and no one seems to be able to assist me. 

Prior to XX/XX/XXXX, I was assured on every phone call that nothing more was needed, and that the loan forgiveness was in process. We were told to just wait. The servicer indicated that they have done everything they can do, and we are now waiting on a response from the U.S. Department of Education. Then, on XX/XX/XXXX, I was told that no application was on file for me, and I needed to submit a new application. I did this immediately on that day and submitted it through the portal. 

It has now been five months the servicer still does not have any answers for me. They put in a PSLF forbearance in the system, but now the loans are accruing interest.