23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I have been having problems with our 2nd Mortgage with Wells Fargo since our bankruptcy in XXXX. I went to a special XXXX hearing before the bankruptcy judge regarding his concern about us reaffirming the 2nd mortgage. We went to our bankruptcy lawyer and address his concern but the lawyer felt we would be in jeopardy of losing our house if we did not sign it. We signed the 2nd mortgage which was a balloon interest only coming due at 10 years. 
In XXXX my husband was laid off and I was without work XXXX XXXX XXXX, XXXX XXXX XXXX. We were struggling with payments and the balloon payment was due in XXXX of XXXX. We tried several times to refinance the XXXX mortgages together but could not get enough equity to do this. We qualified for the Helping Michigan 's XXXX XXXX XXXX XXXX loan program for the period of XXXX XXXX through XXXX XXXX. Wells Fargo started working on our refinance of our XXXX Mortgage in XXXX or XXXX of XXXX before it was due in XXXX XXXX. They kept the loan refinancing going for 12 months. During this time they would call weekly ensuring that once they got the paperwork figured out we could start making payments and continue on with it. During this time it was found out that they were reporting us delinquent on our payments even though they would not let us send in a payment. 
We finally got the loan back refinanced and have been making payments regularly since. There was concern during this 12 months that they was something not quite right but they continued calling and assuring me the loan was fine. 
Since the refinancing my husband and I are still looking to put the XXXX loans together and refinance but every time we try this the banks have been telling us the numbers do n't add up. Our local banker Now in XXXX XXXX has told us XXXX of the credit bureaus are reporting the loan as being XXXX in XXXX. I have been on the phone with Wells Fargo for the last month and they can not come up with the proper paperwork that I have requested : 1 ) Reaffirmation hearing from our bankruptcy. 
2 ) Paperwork on the refinancing of our balloon payment. 
3 ) Removing our delinquent marks from the credit bureaus. 
At this time I feel that Wells Fargo has more than harassed me through our time holding our 1st and 2nd mortgages with them and caused great stress and lost time dealing with their run around. I feel they are being fraudulent towards us by never producing any paperwork or answers when needed. We would like this resolved.
Product: Credit reporting or other personal consumer reports

There is a charge off on my credit report from NMAC Whenever a company list an account as a charge off on your credit report theyre claiming that theyve ran off the balance as a total loss so now they have to report to the IRS & send me a 1099 for the balance that they wrote off that they say I owe So being that the account is ran as a charge off, but I never received any of the1099 cancellation of debt form the account is inaccurate and has to be removed
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing unauthorized and unverified accounts on my credit
Product: Debt collection

Learned of collections from checking  XXXX   XXXX  never got mail or phone notifications! I looked up company 's name  CBE Collection  but did n't contact them to settle amount.
Product: Student loan

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Debt collection

NATIONAL CREDIT SYSTEMIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CA NATIONAL CREDIT SYSTEMIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NATIONAL CREDIT SYSTEMis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not true, I was not late on ( Month, Year ), I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated credit report reflecting the changes.
Product: Debt collection

I noticed on my credit report that Second Round LLP has us in " collections '' XXXX from Second Round called me on XXXX/XXXX/15, i did not receive a letter, no verification when he called, he did have some personal information but not exact, he pulled our credit report w/o our consent. He was " fishing '' for info, during his call he THREATENED to take legal action if i did n't agree to pay. He said he would send a verification letter, he never did. He got very hostile when i questioned him. I never heard back until i saw them listed on our credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the company, SELF FINANCIAL/LEAD BANK, has not properly addressed my dispute regarding a fraudulent account on my credit report. This account was opened on or around XX/XX/XXXX, and I had no knowledge of or involvement in its creation. The account shows a credit limit of {$1000.00} and a high balance of {$950.00}. The last reported activity was XX/XX/XXXX, but Ive never used this account. 

I contacted the company and/or the credit bureaus to dispute this account and requested proof that I had authorized it. To date, I have not received any supporting documents, such as a signed agreement, application, or transaction records, showing that this account belongs to me.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. Credit reporting agencies and creditors are required to investigate disputes and remove unverifiable or inaccurate information. If the company can not validate this account, they are legally obligated to delete it from my credit report. 

The lack of action from SELF FINANCIAL/LEAD BANK has caused harm to my creditworthiness, and I am requesting the immediate removal of this account. I also ask that the company provide a written explanation of the steps theyve taken to investigate and resolve this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payments for XXXX  Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX  account. Despite previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate. 
Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement.

TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID. 
Copy of my Social Security card. 
A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/year> and XX/XX/year>. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I am the co-signer to an application for student loan consolidation for my daughter. XXXX XXXX engaged in significant delays asking for the same information repeatedly, then denied the application. One representative coached me to falsify submitted documents. Another breached my confidentiality by disclosing information to the loan application on XX/XX/2022. Another also breached confidentiality while i was on the phone with my daughter on XX/XX/2022, but i never provided approval for the information to be divulged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXX XXXX XXXX : {$320.00} ; XXXX XXXX XXXX XXXX XXXX : {$560.00} ; XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$640.00} ; 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  Account # XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX Account XXXX : # XXXX ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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: Debt collection

Harris & Harris , Ltd. has been trying to collect a debt that had been paid. They would not let me speak to a manager and would not send a receipt showing that the debt had been paid.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Product: Credit card

I have XXXX credit cards XXXX was Walmart and the other is Old Navy credit card. My credit was fine until Synchrony bank took it over. They lowered my credit line to XXXX dollars above my credit limit for both cards.This to me is entrapment for bad credit reporting. this bank has created hardship for easy payment system on the internet. I had refuse to do automated payment with them because they take unauthorized payments from your bank account. their customer service is atrocious and rude. this bank is creating more debt for me because of the interest fees, late payments, over-limit charges and they hold onto your payments for at least 2 days after you have confirmation. this allows them to late charge you also.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting 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 Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX tied to temporarily lift a credit freeze that I placed in XXXX for a mortgage application. XXXX website no longer uses the pin number I was issued and gave me no way to lift my freeze, even though I could access my report and see it was frozen. I tried several of their phone numbers and was unable to get it lifted through any of them. This could jeopardize my ability to purchase a home. No issue with the other two agencies, whose freezes were placed at the same time. Easy to do online.
Product: Credit reporting or other personal consumer reports

I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.
Product: Debt collection

On XX/XX/XXXX, ProCollect marked a bill for {$1500.00} as delinquent on my credit history via XXXX and XXXX. However, a quick glance let me know that they have clearly the wrong person. The name on the profile did not match up with my name, and a quick XXXX search found the right person that they should have been going after. 

The original creditor was an apartment complex in XXXX, NY, for rent in XXXX. I have never resided in the state of New York. A quick XXXX search found a XXXX student with the exact name matching the record on XXXX- who is not me. This is a clear case of mistaken identity, and ProCollect has not taken the steps to remove this charge from my credit report, despite clear evidence that this person is not me ( Driver 's License, Voter 's Registration, etc. all show that I am a different person )
Product: Credit reporting or other personal consumer reports

I am formally submitting a complaint against Experian for refusing to remove unauthorized inquiries, fraudulent accounts, and incorrect addresses from my credit report. Despite submitting multiple disputes, along with an FTC Identity Theft Report and supporting documentation proving these accounts and addresses were the result of identity theft, Experian has failed to take appropriate action.

The accounts were opened fraudulently, and their inclusion on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .The following accounts were fraudulently opened in my name : 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 

Additionally, the following credit inquires are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my Fifth Third Bank Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my Fifth Third Bank Cred Card account XXXX Fifth Third Bank re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and Fifth Third Bank refused to investigate properly and correct the erroneous information.