23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XX/XX/2021 I filed a fraud affidavit with Synchrony Bank. Someone had used my card without my knowledge or permission. My fraud claim was denied, stating that statements had been mailed to my home. I rent rooms in my home and tenants have access to all areas of the house. Someone used my card, as their own, charging and paying the minimum, and charging more. I am a XXXX senior and I knew nothing about this. Mastercard states that I am not responsible in the case of fraud. Synchrony continues to bill me for charges that do not belong to me.
Product: Mortgage

We applied repeatedly to Wells Fargo Mortgage Services, aka Wells Fargo NA, Company for mortgage modification for 4 years, and were repeatedly denied during that period of time. We provided all financial and hardship documentation repeatedly and as requested by Wells Fargo Mortgage Services. This described period of time occurred from XX/XX/XXXX to XX/XX/XXXX, the first full year of applying was pro-active on our part prior to missing any mortgage payments. During the full XXXX years of applying for the modification, documentation provided to Wells Fargo was repeatedly 'lost ' by them or expired due to lack of processing by them. Provided proof of income was miscalculated by Wells Fargo numerous times. Attached herein in .pdf format is 48 pages of documentation applicable to this complaint. Post bankruptcy, we filed a complaint with the Colorado Attorney General 's Office. On our behalf, the Colorado Attorney General inquired directly to Wells Fargo concerning our mortgage modification denials. Wells Fargo then offered us a temporary trial modification which we agreed to and fulfilled. After the temporary modification, Wells Fargo denied us a permanent modification, and, as reason for denial, presented bogus title encumbrances, which we were able to immediately disprove. The Colorado Attorney General 's Office immediately escalated our case and, as a result, Wells Fargo offered us a permanent modification. We were required to sign a promissory note to Wells Fargo in the amount of over {$90000.00} as a condition of modification approval. Another 10 years was added to our mortgage at an interest rate of 5.375 %. We believe had we not been denied the mortgage modification due to Wells Fargo and its employees negligence in not correctly and properly applying our correct income and allowing our modification application to continually expire without proper processing, the {$90000.00} in arrears would never have accumulated. Nor would it be currently attached to our current modified mortgage as a forbearance. This forbearance stripped us of the equity in our home, and it caused us undue duress and hardship. Please see attached .pdf file for full documentation and dates related to our complaint. Thank you.
Product: Mortgage

Nation star indicated that tbey would automatically modify my second lien loan after my first lien was done. That was back in XXXX. Every month I am told it is in process. Finally in XXXX I recieved loan documents indicating what my new payment would be starting in XXXX. I returned them signed and have yet to receive any additional information. In XXXX I called to make the payment and was told my loan was in default when I was transferred to the modification program they told me it was just taking longer to get documents proceeded but all was good and to send in a payment in the new amount the next week. It is now ebs of XXXX and I am getting certified letters that I am in default. I paid the new payment amount in XXXX and XXXX. I just want them to resolve this mess as they are reporting me to credit bureau.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach XXXX XXXX XXXX XXXX - {$15.00} XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration.

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors.

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX 's XXXX ( XXXX Bank XXXX XXXX Account # XXXX ( redacted ), 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( Experian, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST This complaint has been ongoing for over 2 years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a XXXX XXXX XXXX I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX This account was included in my XXXXXXXX XXXX XXXX and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and Im moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX loan tradeline from all credit reporting agencies within XXXX  days from the date of this dispute
Product: Debt collection

Penn Credit Corporation calls my home phone several times a day. I 've answered when I 'm at home, but they have poor automated calls, and it starts with " if you are that person, press 1 '' I never hear the person 's name! When I do press 1, I do get connected to a person, but they ask for someone I never heard of. When I tell them that, they never apologize or offer to remove me from there call list, and the calls persist. I do not want to be contacted by them again, unless it pertains directly to me, which I doubt, since I am not in arrears with any financial or consumer entity.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and multiple inquiries that have appeared on my credit report as a result of a recent data breach in which my personal information was compromised. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be removed from my report immediately. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XXXX XXXX TransUnion Credit Bureau XXXX XXXX XXXX XXXX XXXX PA XXXX Account NumberXXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report. I recently obtained a copy of my report and noticed that a medical debt from XXXX XXXXXXXX XXXX XXXX has been listed on my file. I believe this debt is either inaccurate or has not been properly validated, as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 USC 1681i ], I am exercising my right to dispute this account and request an investigation into the accuracy of the information. According to the FCRA, TransUnion is required to conduct a reasonable investigation and verify the accuracy of the disputed information. 

Additionally, under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA )XXXX XXXX XXXXXXXX XXXX XXXX is required to provide verification of the debt, including the following : 1. The name and address of the original creditor.

2. A detailed breakdown of the amount of the debt, including any fees or interest.

3. A copy of any agreement signed by me showing I agreed to pay this debt. 
4. Documentation showing that XXXX XXXX XXXX  XXXX is legally entitled to collect this debt. 

Furthermore, under UCC 9-609 and 9-610, a creditor must possess legal standing to collect or enforce this debt. I am requesting proof that XXXX XXXX XXXX  XXXX is the legal owner of this debt and has the authority to report it to credit bureaus. 

Please also provide validation that this debt has not exceeded the statute of limitations for collection as per UCC 2-725, which stipulates that actions must be commenced within four years after the cause of action accrues. 

I request that this account be marked as in dispute while the investigation is being conducted. If the debt can not be validated as accurate, I expect it to be removed from my credit report, per my rights under the Fair Credit Reporting Act ( 15 USC 1681c ). 

Please notify me of the results of your investigation in writing and send a new copy of my credit report if any changes are made. 

Thank you for your attention to this matter. I look forward to resolving this issue in a timely manner. 

Sincerely, XXXX XXXX
Product: Mortgage

I am refiling my complaint against United Wholesale Mortgage Company, Case # XXXX as I find their response to be wholly inadequate. Further, I attempted to contact them at the number provided, and it was not working, causing me further concern. They have generically written assurances, without responding specifically to my request that my records be destroyed since I pulled my XXXX mortgage applications. Furthermore, as they claim to be following financial regulations, I would like to have copies of all regulations that they believe apply to my case.
Product: Credit card

I received a billing statement XX/XX/XXXX stating I owed XXXX by XX/XX/XXXX. I log onto my account XX/XX/XXXX and I select pay total amount on the website and on the statement the numbers stilled showed XXXX so I paid that amount. XX/XX/XXXX XXXX hit with a XXXX interest fee. I call customer service the first person I spoke said since my account was closed they wont adjust the interest and he couldnt hear me. I called in an hour later I called and spoke to someone and they said I need to pay 2 consecutive months total balance in order to not get anymore interest. I requested a manager she said she wont waive the fee and I shouldve called in for a pay off. I said o line gave me the option to pay the total amount why didnt online reflect what I actually owed? I would like the interest of XXXX to be reimbursed I paid them over XXXX and thats what it said I owed this is such a scam
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX DATE - OPENED XX/XX/scrub>XXXX XXXX XXXX  - BALANCE : {$140000.00} Account Name : XXXX XXXX - DATE OPENED XX/XX/scrub>XXXX XXXX XXXX  - BALANCE : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple credit disputes to XXXX XXXX, XXXX, and experian regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX & XXXX XXXX XXXX- {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account 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 XXXXXXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.
Product: Payday loan, title loan, or personal loan

As a service member protected under the Military Lending Act ( MLA ), I should not have more than a 36 % Military Annual Percentage Rate ( MAPR ), including costs like calculating your interest rate and finance charges and other added charges. 

After reviewing my documents, I am sure the interest is more. On the agreement, the interest rate is 22.84 % with a {$1900.00} origination fee. Then on the lending disclosure is has the loan will cost me an XXXX of 27.49 % yearly. 

None of the monthly statements I receive includes an interest rate or XXXX, so I am unsure what is being charged. The statement shows how much interest is being paid. The statement of the XXXX and a clear description of the payment obligation must be provided in writing in a form the covered borrower can keep. 

Also, the consumer has my bank account information stored on their website, which I can not remove. Under MLA, a consumer can not require or use a check, electronic fund transfer, or other methods of access to financial accounts maintained by the covered borrower for repayment. It is prohibited for a creditor to use a borrowers account information to create a remotely created check or remotely created payment order to collect payments on consumer credit from a covered borrower. 

Signed documentation was never processed for this loan and is not in portal documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I own my home free and clear. Pretender lender loan servicer " Ocwen Loan Servicing '' using its cozy relationship with XXXX and XXXX, using fraudulent trustee sales that was taking place in just days as a weapon to coerce me into signing a increased none negotiable fraudulent {$750000.00} loan modification settlement in order to save my home from being auctioned off by crooked shady Ocwen 's buddy XXXX in just days. Then Ocwen and its crooked lawyer " XXXX XXXX '' would not allow me the right to have a congressional hearing before congress to tell my story about all the years of being under severe stress by these companies servicing 's abuses which has caused me serious health troubles, serious harm. Now, after Ocwen, XXXX and XXXX all threatened with fraudulent trustee sales, Ocwen is now using pretender lender loan servicer impounds account as another weapon, forcing my private homeowners insurance into the pretender servicers phony impound account. I paid my private homeowners insurance policy in full because I own my home free and clear. I received a refund from my homeowners insurance company. Pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX, all have committed fraud against me. I have evidence of Ocwen putting years of forced placed insurance policies on the pretender lender loan servicers account when I had my own private homeowner insurance policy at all times. Do n't worry Ocwen litigation crooked lawyers puppet XXXX will tell everyone 2=2=5 the sky is green grass is blue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit monitoring service alerted me that Bank of America pulled my XXXX   credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with Bank of America in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called BoA credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called XXXX  to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from BoA to request the removal of the inquiries. 
At the moment, it is difficult to contact BoA for help.
Product: Debt collection

Explanation of complaint : I went to the hospital at XXXX XXXX XXXX XXXX XXXX XXXX Wa. had XXXX XXXX removed and after I was healed up I went to a follow up with the doctor that did the Procedure at his office at XXXX XXXX XXXX and he told me the procedure was not necessary and that the hospital did it to make money off of me and I wouldnt get a bill from him never got a bill in the mail from him one day I get a letter from collection bureau of Walla Walla after the doctor retired or moved and I told them the same I was told and disputed it and I filled a complaint with Washington department of health and am still waiting to hear back today XX/XX/22 I got a notice of small claims and says I have 14 days to respond case # XXXX out of XXXX XXXX before I had a chance to hear back from my complaint I had made just got the bill today XX/XX/22 from the doctors office by email and Im not disputing all of it only XXXX of it Im disputing I made a complaint to XXXX XXXX XXXX XXXX and they waved all cost because of what happened