23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We signed papers for a 30 year home equity line of credit, with a 10 year draw period which are interest only payments, then a 20 year repayment period with principle and interest payments. This Home Equity was signed with Wachovia ten years ago. We just found out our monthly payments are {$500.00} a month, not the principle and interest that we were told. So our home equity line will be paid off in 3 1/2 years, so my question is what happened to the 30 year home equity line? At the time of the signing of this paper work we were NOT told about the {$500.00} monthly minimum payment for the repayment period, we were told principle and interest and that it was for 20 year repayment term. When we found out about this we were beside ourselves, we would not have put us in this type of repayment position. Wachovia was not straight forward on this loan and did not explain to us the repayment of {$500.00} they told us just interest and principle only. Wells Fargo now owns the loan. When we found out about this issue we tried to fix it first by visiting our local branch which was no help whatsoever. The bank ended up calling corporate and handing me the phone to explain the loan that was giving to us. We were getting different answers from the customer service at Wells Fargo. We were told several times that we owe principle and interest payments on several occasions, then we were told that there is a {$500.00} minimum monthly payment for the repayment period. So, we tried to refinance an another home equity loan with a fixed principle and interest, only to find out that we were declined for a number of reasons. First because our home did not have the equity, which we highly disagree on and second, we owned our own various businesses for the last 13 years. Lastly, we were declined for having to much credit by owning our business. We also have a revolving business credit for our inventory. The underwriters never called to question anything or give us a chance to explain our current business model. The customer rep that called us to tell us we were declined transferred us over to the hardship department. On another note our credit scores are above XXXX, never missed any payments or had late payments on anything ever. We do not want to file for a hardship, first of all this is for late payments or missed payments and this is not true to us. This will show on our credit report as a hardship and lower our credit scores. Why should we be jeopardized? When the original loan was not explained to us properly and we tried to fix this with a refinancing of the original loan. We have not receive any help from Wells fargo, just phone transfers to the loan modification department. This must be resolved without loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

with Covid 19 I have tried to fix my credit and start all over again. I got school loan paid off and summit it to them. still on my credit. I am a single mo that left an XXXX, XXXX  XXXX  x.I have been starting over moving forward .try to get Bk off that was my x .I also have bad credit and have not been able to get car .I take bus. but now with cover I stuck and need good credit so I can Live a life with my kids away from x. I have had a good job butcovid shut us down.I hope to be back doing  XXXX  in the next month I need help getting all negative stuff from my x off credit and continuing build good credit.
Product: Credit reporting or other personal consumer reports

I am a victim of the massive Equifax data breach that exposed sensitive personal information entrusted to Equifax, and as a direct consequence of this breach, I have discovered fraudulent accounts established in my name.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unresolved disputes I have raised with XXXX, Equifax, and XXXX regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ).

Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date.

Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to this matter.
Product: Mortgage

In XX/XX/2020 we called the mortgage holder regarding covid concerns in regards to the possibility of one of us being furloughed with loss of wages due to the pandemic. We were advised that could apply for some kind of financial assistance/forebearance plan. We were told by the person on the phone that he would submit a form and we should hear back within a month. We were also advised that if we needed to do a lesser payment at that point in time that it wouldn't be a problem. 
A month went by and we had not received any communication so we called the mortgage company again. This person informed us that no application had been filed but that they would do it now. So we went through the process again for 20 minutes. 
Another month went by and the same result, we demanded to have a manager call us up to get going on they issue that they now created. After speaking with a manager we waited for another month... 
Again nothing, this time we got a callback from their escalation team, the lady name was XXXX XXXX. We have the email correspondence from her. After much back and forth we were told that we would have to refinance with them to get the now 2 payments of {$1500.00} in forbearance. 
This was not what we were looking for and the sneaky way they went about it was not professional. We all of a sudden got an email from another person from the mortgage company telling us that they needed our SSN and income, pretty much the same information you give to start a new mortgage application. So I asked what was going on? While they didn't want to answer the question at first they told us that they were putting information together for a new loan without our consent. 
Of course then they denied us the forbearance plan and they all of a sudden they told us that our payments were overdue - two ( 2 ) {$1500.00} payments-. 
They told us that this had to be brought up to date so we wouldn't get penalized and they started to tell us that we originally had 24 months to bring the balance up to date but because we had spent time on the application that was now down to only a few months. 
At that time I felt bamboozled by this company. No one knows anything or gives you really bad advice. 
So to put latest problem with them. Our home value has gone from the original value of $ XXXX to over $ XXXX giving us the option to remove our mortgage insurance in accordance to their own guidelines. 
When we called and asked for the process to start and pay for an evaluation no one gave us any useful information as usual. 
We then got a letter and a check ( attached ) that we had been denied since the loan to value ratio was less than 80 % from the original appraisal. This was exactly why we were paying for the appraisal in the first place. 
I have since called several times and got different answers as to why we were denied yet the only thing that haven't addressed is the loan to value? 
We have complied with this company for over 2 years back and forth and there is a lack of knowledge and misguidance. 
We are current on our payments and our loan to value is above the 80 % they are requiring. 

Thank you XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries arent mine and shouldnt be on my credit report. 

DateXXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX, XXXX, OH XXXX DateDec XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX DateOct XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX DateSep XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, RI XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateJul XXXX, XXXX CompanyXXXX XXXX, XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX DateApr XXXX, XXXX CompanyXXXX  AddressXXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX, XXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateDec XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX AddressXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX, XXXX CompanyXXXX  XXXX, XXXX AddressXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Request OriginatorAXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Request OriginatorXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX  XXXX DateXXXX  XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a student XXXX opened at Sallie Mae financial loan # XXXX This account has resulted in several fraudulent derogatory marks appearing on my consumer FICO credit report. I do not recognize this account appearing on my consumer credit report maintained by you. It was not opened, made, or initiated by me and is the result of identity theft and fraud following my leaked confidential information during the XXXX data breach. I have attached my proof of address, social security card, screenshot showing my information was affected, and a copy of my filed FTC report as proof from the US Federal Trade Commission that all of these consumer credit accounts are the result of identity theft and fraud. 
This XXXX XXXX opened by another individual by the name of XXXX XXXX added my name to the loan # XXXX on Sallie Mae student loan who did so without my knowledge or my permission/ authorization unlawfully. In this matter I ask that my name be detached from this loan and it be removed immediately from my credit report under false statements and inaccurate information that was applied to my credit report without my knowledge, consent. Please remove loan according to the law of unlawful conduct.
Product: Credit card or prepaid card

On XX/XX/2023, I submitted a payment for the statement balance to my XXXX XXXX XXXX on Synchrony 's website. The payment deducted successfully and the balance reflected a {$0.00} balance. 

On XX/XX/2023, I woke up to a second payment for the same amount deducted from my checking account. After further investigation, Synchrony submitted the payment a second time even though the balance reflected a {$0.00} balance. The amount taken in both cases is {$390.00}. Only the payment on XX/XX/2023 is valid. After an hour of fighting through customer service and arguing, the only resolution provided is to " contact my bank if I have a problem ''. They claim to not see this payment anywhere in their system in spite of it not only showing up in my Synchrony account transaction list, but with providing confirmation numbers. The confirmation numbers for the XX/XX/2023 transaction do not match those of XX/XX/2023 transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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

I have submitted multiple letters to XXXX and XXXX Bureaus requesting the account listed below reported not only fraudulent but in multiple violations ..... 

XXXX XXXX # XXXX 15USC 1681 SECTION 602A states I have the right to Privacy 15USC 1681 SECTION 604A section 2 ... states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX XX/XX/2021
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : CAP ONE - XXXX, CAP ONE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a request to Experian twice asking to properly update their information concerning XXXX XXXX XXXX [ Account XXXX ]. I have never opened an account with XXXX XXXX XXXX. Experian has refused to correct the erroneous information or even acknowledge the two letters I have mailed to them. Please help.
Product: Credit reporting or other personal consumer reports

Inaccuracies, misuse of information, and pulling of credit without authorization
Product: Credit reporting or other personal consumer reports

Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX XXXX, do my daily activities, left me with XXXX XXXX XXXX, and I am in the middle of a XXXX  claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a XXXX. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT ATTACHED ) The FCRA was created to protect the privacy of consumers confidential information and to ensure CRAs do what's fair and equitable for the consumer in which XXXX has failed to do as they are reporting a FRAUDULENT XXXX ACCOUNT ON MY CREDIT REPORT. XXXX has allowed XXXX to Intrude upon my private information. 
BLOCK THE FRAUDULENT ACCOUNT AS REQUIRED BY LAW ( FCRA ) TO PREVENT ME FROM OCCURRING FURTHER DAMAGES.
Product: Debt collection

Requested Verification of debt, I have sent numerous letters to this company for verification and I have not received anything back, but still reports to the credit bureau as accurate.
Product: Debt collection

FROM : XXXX XXXX XXXX XXXX/XXXX/XXXX TO WHOM IT MAY CONCERN : I DISPUTE THE COLLECTION ACCOUNT BY PUGET SOUND COLLECTIONS ON BEHALF OF XXXX THE CORRECT AMOUNT IS {$1400.00} NOT {$2100.00}. 

During the past 12 calendar months, XXXX billed my health insurance, XXXX XXXX XXXX, for XXXX different service dates. The total amount XXXX XXXX has been paid to date in XXXX is {$6600.00}. A total of {$7100.00} was billed. I am not responsible for the charges that total {$1400.00} from XXXX XXXX, XXXX. Attempts to collect any amount from me should be ceased and this account immediately canceled. 

I have paid the maximum out of pocket amount for my XXXX XXXX XXXX XXXX XXXX XXXX insurance plan. XXXX claims, including this one from XXXX, are still being processed by XXXX XXXX XXXX. I have never received any bills or notices from XXXX. I became aware of this account from my XXXX credit report. 

My health insurance carrier, XXXX XXXX XXXX, is still processing this claim for services on XXXX XXXX, XXXX. XXXX XXXX XXXX thought that my auto insurance carrier, XXXX, was financially responsible for this claim. This is simply not true. I had a policy limit of {$10000.00} for XXXX XXXX Protection. That amount was exhausted quickly by other claims. XXXX XXXX XXXX is responsible per the terms of my health insurance policy. Ultimately, they will have to pay this claim. 


Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

We refinanced with Nationstar mortgage XX/XX/XXXX and we have never been late or delinquent in our payment. 
We made two payments XX/XX/XXXX and XXXX of them ( XX/XX/XXXX, which was paid early and intended for XX/XX/XXXX ) was misapplied by Nationstar to the principal by mistake. In addition monthly payments were short XXXX cents for a total of XXXX cents, which was remedied by a payment of {$1.00} and acknowledged by Nationstar. We had been speaking with Nationstar representatives and received a written note from them on XX/XX/XXXX that this matter is resolved. We were assured after each phone call that the account would be rectified and that " we should not worry about it reported as delinquent ''. However, on XXXX XXXX to our astonishment we received XXXX reports from our credit monitoring company XXXX stating that our perfect credit score is ruined because of XXXX has reported that we are delinquent in our payment for 30-60 days. Despite phone calls, written messages and online efforts we have not heard back from the company. 
This matter is particularly important to us since XXXX is a XXXX who works full-time and requires good credit for student loans of which he now is under scrutiny from credit agencies. I trust you will intervene to resolve this matter and make sure that Nationstar cures our credit reports and states to credit reporting agencies that they have reported us by error. 
XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This appears to be an Experian reporting issue, but their inability to correct the problem, despite numerous calls of me explaining the issue, re-disputing, etc. has not led to them actually fixing the error. This is an account they show as going into collections in XXXX of XXXX despite me sending proof of payment and other details to them. This should violate the FCRA, and I am asking, due to their error, for them to remove the XXXX ( XXXX ) XXXX from my credit reporting. This is causing financial harm and is a direct result of their negligence. I have XXXX XXXX XXXX  showing correctly with XXXX, which I have also attached, leading me to further believe this issue is an Experian reporting issue.
Product: Bank account or service

When I signed up for this checking account, I chose the option for no overdrafts ( if I did not have the funds in my account, then the transaction would be denied. ) However, Huntington has allowed my charges to go through when there were not the funds in the account and recently charged me {$130.00} in overdraft fees. ( XXXX overdraft charges and an " extended '' overdraft fee )