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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car finance company called to thank me for paying on time for the past 4 months and asked if I would like to lower my interest rate. I had to take another call and in that time he ran my credit without my permission. He called me back and said he can lower my interest rate to 20 % after looking at my credit. I paused and explained I never gave permission for my credit to be run. Im in the middle of looking for a new home and having a baby in XXXX so I would never allow my credit to be viewed while Im in this process because a home is more important right now. He apologized for doing this and said he has never done this before without permission and this was the first time. He gave me the number to the credit bureau to file a dispute but the credit bureau said they cant remove it but that only the financial institution can which he told me that he couldnt. One Main Financial is the company that ran my credit without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information in my transunion credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed two items on my credit report : XXXX and XXXX XXXX. 

I initiated these disputes, requesting an investigation to ensure the accuracy of the information. If the items are found to be inaccurate, I am exercising my rights under the Fair Credit Reporting Act to have them removed. 

I will be submitting supporting documentation to demonstrate the timeline and outcomes of my disputes. This includes evidence that the items were investigated by another credit bureau, found to be inaccurate, and subsequently removed due to my submission of supporting information. 

Specifically regarding XXXX , a dispute for investigation was sent on XX/XX/year>, received by TransUnion on XX/XX/year>, and reviewed. The results of this investigation were provided by TransUnion on XX/XX/year>. Additionally, I will include the report from TransUnion containing their investigation results ( File Identification Number : XXXX ), which was generated on XX/XX/year>.
Product: Credit card

I been receiving letters in the mail in regards to two credit cards I never applied for. First credit card is for XXXX  XXXX I had a credit check showing up on my account As well as I received letters in the mail and the account showed p on my credit report. I called XXXX XXXX  and they told me they would report this and close the account. The account still shows up under my credit report and just recently I started receiving letters again this all happen in XXXX. Now a new account was opened for Capital one without my consent and I received a letter in the mail saying they need more information if not my account will be closed.
Product: Mortgage

The bank holding my mortgage ( XXXX XXXX ) was taken over by Chase with the assurance that all ACH instructions would remain in place and there would be no issues. The attached spreadsheet and accompanying statements detail ( XXXX ) funds credited to the mortgage that were not deducted from my checking account in XXXX ( XXXX ) funds sent from my checking account that were not credited to my mortgage in XXXX, and ( XXXX ) automatic payment not sent in XXXX although the XXXX payment went through fine. In XXXX while out of the country, I checked e-mail and received a notice that I was in arrears and called Chase and made a double payment over the phone. There was no explanation as to why this might have happened from them. I would like to know where the XX/XX/year> {$1500.00} ended up. This has negatively affected my credit and I want them to reverse this action and restore the good credit that I have worked a lifetime to keep.
Product: Mortgage

I was provided PMI cancellation documentation with my mortgage and on monthly statements, which Wells Fargo did not want to honor. Wells Fargo then stated via a letter and multiple levels of customer service that they would require a 70 % loan to value which could only be established via appraisal. Wells sent a form to determine the appraised value, which had an inflated appraisal cost of {$850.00} versus home purchase appraisal cost of {$660.00}, which suggests that Wells is receiving some sort of alternate consideration from the appraisal company - XXXX or they are intentionally misleading their clients during the closing process. Wells 's most senior customer service, refused to match the pricing of a qualified appraiser or charge the same appraisal cost as was initially charged for the purchase of the home. 

Wells has now agreed to honor the disclosure on my monthly statement and at closing, only after referral to the presidents office and my provision of the statement from closing. However, Wells is still requiring an appraisal for a home purchased 18 months ago when the documentation provided at closing suggests that an appraisal is required only sometimes, the implication of the disclosure is to protect Wells Fargo during a falling real estate market and not just to improve Wells Fargo 's profits. The cost of the appraisal equals about XXXX years of PMI. 

This process has taken months to resolve and suggests that all Multi-Family homes ( XXXX unit dwellings ) are being incorrectly processed in Wells Fargo 's systems in regards to PMI and that Wells has a systematic program to intentionally over charge customers requesting relief from PMI to inflate profits through additional PMI or consideration from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XXXX. I walked into waldorf chevy with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( XXXX  and Transunion ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on Equifax or transunion. 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but transunion and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.
Product: Mortgage

Mechanic Bank. loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX www.mechanicsbank.com XXXX Mechanics Bank has increased my XXXX Mortgage loan by {$1000.00} for a year because they did not take enough out for the Escrow account. I am playing catch-up with my escrow account because of Mechanics Bank incompetence . I relied on them to be truthful and accurate. 

Mortgage Loan was transferred to this servicer in XX/XX/XXXX. No welcome Letter, no introduction. One bill from their XXXX XXXX site. 

XXXX ... There is no internet site to review mortgage information. All correspondence is email or mail. I have contacted them via phone but they don't have a Mortgage Loan specialist... The people I talk to are only interested in Auto or Banking transactions. It takes 25 mins to find someone who understand mortgage loans.

I have to send payment by USPS mail because they do not have Bill Pay. Payments sent via mail sometimes get lost. I had to wire money into the account so it would not occur late fees. 

Terms and conditions for ACH are unacceptable to me. The ACH form says they can withdraw any amount from my account they deem fit. I refused to sign that ACH form.

My refusal to sign the ACH form has saved me many times from their mistakes.

Some other issues I have experienced with Mechanics Bank in the last 3 years : 1 ) Mechanics Bank tried to make me pay for my HOA insurance changing. They sent a demand letter for it. They admitted their mistake but it could have put me in a hardship.

2 ) Wire mortgage payments because they were losing mail. Had to resort to sending certified mail to get tracking.

3 ) Escrow account mistakes causing me a undue hardship.

The reason I am writing today is : Mechanic Bank did not take the correct amount for the escrow account in XXXX. 

In XX/XX/XXXX I received a letter in the mail from them showing a new amortization schedule. it was XXXX pages.. the first XXXX pages said everything was fine but the schedule was going to increase {$400.00}. I was not upset but I thought it was just another one of their incompetences I had experienced and did not want to get into it with them. I had been FED UP with them for quiet sometime. 

I missed the 3rd page of the letter.. They had fallen behind on the escrow and were demanding {$1600.00} a month... this is {$1000.00} higher than my mortgage payment is now.. 

This is an undue hardship by Mechanics Bank on me and my family..They are supposed to be a professional organization. THEY ARE NOT A PROFESSIONAL BANKING ORGANIZATION. 


They should not be in business of federal mortgages.. Mechanics Bank needs to be investigated by CFPB for their business practices. 

The person I have talked to at Mechanics Bank XXXX XXXX. 
Tel XXXX
Product: Credit card or prepaid card

I purchased a size 11 XXXX XXXX shoes online on XX/XX/19 ; They arrived on XX/XX/19 the shoes were too small. I returned them on XX/XX/19. The shoes were sent back to me. I called to find out why they said because I wore the shoes. I was upset because they sent the wrong size and accused me of wearing a shoe that I could not fit. They sent a size 10 when I wear and ordered an 11. I tried to resolve it with my credit card company Banana Republic they credited my account for the charges while in dispute. They sent me a survey asking me to rate my satisfaction with my dispute. I called, to ask about the survey, and was told the decision was in my favor by the gentleman on the phone. I asked what do I do with the shoes because I can not fit them, he replied contact the store directly. On XX/XX/19 the charges were reposted to my account. I called the Banana Republic again to see what was going on. I was told they had no record of my dispute. I asked to speak to a supervisor or manager. The manager informed me there was no record of my dispute, and the charges were added back to my account because the ruling was not in my favor. I was livid. She said she would reopen the case and make a note of our conversation.
Product: Credit reporting or other personal consumer reports

According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXXXXXX XXXX XXXX  needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, Transunion, XXXX and any other furnishes of my personal credit.
Product: Mortgage

I am writing to inform you of the unfortunate set of circumstances that lead to my home loan ending up in a foreclosure.. I was laid off in XXXX. I called XXXX  XXXX XXXX immediately after I was given the news that I was laid off.. I was concern for I was never late and I wonder if there was a program or any type of help that could help out until I found a job and make the new income adjustment work. I will never forget how this day has changed my life. 
I spoke to a customer service to a gentleman by the name of XXXX XXXX was very accommodating. He went on to tell me that there was nothing to worry about because the government had just signed " bailout money " for borrowers like me. He mentioned that in order to qualify for 2 % modification all I had to do was to miss three payments. I went home and told my husband and he was very reluctant. I went on and miss the payments. I did not hear anything from the bank for months. Shortly after I received a forbearance letter asking for all the money that I had missed. 
After paying the three payment on trial period the modification disappeared. The two subsequent payments were never found. I applied for a modification again four times. All documentation was sent in. I was denied four times with out an explanation. My marriage ended because all the stress. 
Since XXXX  XXXX XXXX advised me to skip my mortgage payments, they quickly transferred the loan to XXXX and then to Shell point. I feel I was defrauded by my bank. I am also victim of predatory lending. I must comment that XXXX  XXXX XXXX rewarded employees for denying applications and referring customers to foreclosure, according to the statement. A collector by the name of XXXX said who placed ten or more accounts into foreclosure in a given month received {$500.00} bonus. Other rewards included Gift cards retail stores or restaurants, said XXXX and XXXX XXXX. 
Who worked as a collector from XXXX to XXXX. 
original publication XXXX XXXX XXXX XXXX This loan was based on stated income and had apparently an inflated appraisal. 
I I am requesting the wet ink note be provided. Signature appears to be forged. 
I have done a forensic review. 
I also want an explanation about my note and mortgage which is owned by XXXX XXXX. 
Please explain to me how XXXX XXXX can maintain that they own the note if Shell point also is claiming ownership .I need this matter resolved.
Product: Debt collection

On XXXX XXXX, 2015 around XXXX I was contacted through XXXX by a relative that they had been contacted by an XXXX XXXX at XXXX about my debt. I did not give permission to contact this relative nor did I list this relative as a person of contact on my payday loan application. I do not personally have this relatives contact information and they do not have my we are not close and only communicate through social media. This is a clear violation of Fair Debt Collection and also an embarrassing, conflicting, and confusing situation in which this companies debt collecting is practicing. It is unacceptable and violates XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance XXXX, XXXXXXXX XXXX XXXX  balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was opened by XXXX XXXX, the original purchaser on the vehicle. After some time, XXXX decides he doesn't want to be the buyer of the car and asks the dealership, XXXX, to come off the loan. The dealership then decides to run my credit, which was unworthy of a loan through their lenders. The vehicle was then asked to be surrendered, so the vehicle was returned to the dealership, and I am not responsible for the debt. They also have not reported it on my credit for years, and I've obtained copies of my credit report to prove it. I want it removed from my credit report and they are liable for damages, I've not been able to purchase a new vehicle because of this loan that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Exeter Finance for their improper treatment of my payments on my credit account. I believe that their actions are in violation of consumer protection regulations, specifically the Fair Credit Reporting Act ( FCRA ) which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I paid the car off early we settled on an amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account XXXX XXXX which is 7 years old and XXXX  transunion and XXXX will not remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I received feedback from LexisNexis referencing an address where I told lexisnexis that my identity was stolen, and used, the furnisher pacer has stated that they do not supply addresses, please remove this inaccurate ch XXXX bankruptcy # XXXX account from my record, I will include the ID THEFT packet to show that my identity was stolen, along with the local police department and FTC report
Product: Credit card or prepaid card

My account was flagged for bankruptcy mistakenly by my creditor and my account was frozen. I am a XXXX XXXX and rely heavily on XXXX advertising. XXXX pulled my adds once the bank in question placed my account, unlawfully, in bankruptcy. This resulted in a loss of revenue and sales for the duration of 7days until the dispute was settled and they returned my account to good status. As well, I suffered mental anguish and distress, taking off work from my regular job to correct this. Clearly, by their own admittance, they were at fault and I seek financial retribution.
Product: Debt collection

Someone opened an account in my name on XX/XX/year>. I have no knowledge of this account. I never received any bills, payment coupons, phone calls. The account shows that after paying 2 months, XXXX and XXXX I stopped paying the bill. This bill has been placed on my XXXX credit file for missing payments XXXX, XXXX, and XXXX. It was placed in XX/XX/year>. This account has been fraudulently opened in my name. 

It was placed by Hillcrest Davidson & Associates and it shows on the credit file as : Hillcrest Davidson & Associates original creditor : XXXX XXXX XXXX Date Opened XX/XX/year> Account No. XXXX XXXX XXXX as of XX/XX/year> Phone No. XXXX XXXX XXXX