23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was recently renting an apartment with XXXX XXXX. Upon move out they sent me a statement of charges I did not agree with and tried several times to discuss charges with the property manager. I called multiple times a week for over 2 months ( the months of XXXX and XXXX ). I even resorted to emailing. The manager avoided me at all times, promised to return my phone calls and emails several times and then sent me to collections. You can not ignore a dispute and then send someone to collections. I have all times stamped photos of the conditions I left the apartment in, my several attempts at discussing the problems with management, and their failure to ever address my concerns. They are charging me a total of {$380.00}.
Product: Credit reporting

For the past 3 days, I have been trying to obtain my free credit report from Experian, via the " annualcreditreport '' website. Each time, I answer the preliminary questions ( name, SSN, etc ) and get to the XXXX screen ( specify which report you want ). I request only the report from Experian. At that point, the request fails. I get a message from my web browser ( XXXX ), stating that it can not validate the security certificate for annualcreditreport.experian.com. When I tell the browser to continue anyway, I get a message from Experian, saying that my request can not be processed at this time, try again later. In previous years, I have been able to request the free credit report from Experian and the other XXXX companies, via the annualcreditreport.com website. I suspect that Experian is causing this problem deliberately, to prevent people from obtaining a free credit report from Experian. Furthermore, there is no way to contact Experian via email to report the problem. I request assistance from CFPB to obtain this report, and that CFPB take action against Experian.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX, XXXX XXXX
Product: Mortgage

I had financial difficulties last year that led to me being unable to make payments on my mortgage. I reached out to my bank, Zions Bank, for options to get my mortgage payments back on track in XXXX of XXXX. They had me open an application for assistance with their loss mitigation department. As part of the application, they had me upload online multiple items to document my finances. After completing this, I was told to wait and hear from them. The response I eventually got from them was a letter stating that they were unable to provide any repayment options for me because I was not making enough income. They said I should contact my local HUD agency for help. I filed an application with the HUD agency but was denied because my loan was too large. I then filed an appeal for loss mitigation options with Zions because by that point my income had increased. I was told I needed to resend all new documentation, which I did. Once I had sent in that documentation, I got a letter stating that they needed additional information. I uploaded the additional information before their given deadline. Then I got a letter stating that I had not uploaded what they needed by the deadline so my application was closed. I called the bank and could not get through to anyone for days because of " high call volume. '' Eventually after hours on hold I was able to reach someone who told me to please open a new application and start over, which I did, only to have the exact same scenario play out where I was told I did not upload documentation when I did. This happened multiple times and drug on for months. I again called and called, was hung up on multiple times, but eventually reached a supervisor in loss mitigation, XXXX XXXX. She told me that this time I should directly fax her all the information, to ensure it was received. I did this. I got a letter stating that they had received my information but that they needed two additional documents by XX/XX/XXXX. I faxed those to XXXX on XXXX XXXX. After not hearing anything back for about a week, I called in on XXXX XXXX and was told they didn't see the documentation I had faxed on my file, and to please upload it online and wait until Friday XXXX XXXX to hear something. I did. On XXXX XXXX I received a letter stating that I had not sent in the required documentation and that my application had been closed. On XXXX XXXX I again called in and complained that I needed to speak to a supervisor because I had proof that I had submitted the required documentation. I was eventually hung up on. On XXXX XXXX I sent a letter via fax to XXXX, asking her to please call me and detailing what was happening. I have not heard back. On XXXX XXXX I called and asked to speak to a supervisor. I was on hold for an hour and eventually hung up. On XXXX XXXX I called and asked to speak to someone in loss mitigation but could not get through because of " high call volume. ''
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXX/XX/2023
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 : Account XXXX Account Name : XXXX XXXX XXXX : : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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

I did not open a XXXX XXXX credit card on XX/XX/2021. I did not use, authorize, or consent to my information being used to open this account.Equifax, XXXX, XXXX have not removed it from my reportXXXX XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an inaccurate account reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion credit report as of XX/XX/2018 it shows a collection/charge off account for the entity XXXX XXXX. I do not have nor ever had such account as listed as XXXX XXXX.
Product: Credit card or prepaid card

I have been making consistent payment every month towards my XXXX Credit Card, belonging to Comentiy Bank. Last month ( XX/XX/XXXX ) they reached out via phone asking When did I plan on paying my past due amount of {$77.00}. And called me every week asking to pay an additional amount because they did not receive my payment. 
On XX/XX/XXXX after receiving my bank statement I mailed a copy of my bank statement of XX/XX/XXXX and XX/XX/XXXX because I also made a payment in XXXX and Comenity Bank sent statement to the Credit Union that I wasnt making my timely payment. As well as a cover letter with my account number. XX/XX/XXXX They called me at 2x at XXXX and again at XXXX to ask again for back payment. I have already sent XXXX payment. 
Im tired and frustrated with the constant calls and rude languages. Ive made my payment on time and have the proof for it. 
I want something done immediately.
Product: Credit reporting

XXXX credit card did not resolve my disputed {$230.00} charge and now they are assessing me late fees, interest and reporting me to all the credit reporting agenies. 

Similar to CFPB XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX filed an Affidavit in a court case in XXXX County, Florida, that states my note and mortgage DO NOT incorporate XXXX Servicer Guidelines. ( My Loan Servicer is  Nationstar d/b/a Mr. Cooper ). This Affidavit was filed to prove XXXX has no obligation to honor Hurricane Irma Assistance protocols that are outlined in their Servicer Guidelines, as I have demanded they do. 

However, a year earlier, on XX/XX/XXXX, in another Court Hearing in XXXX County, XXXX Counsel had insisted there had been no protocol breaches because the Servicer Guidelines say so, and attached two pages from a Servicer Guideline to support that position. They used the very same Guidelines that they claim a year later are not even applicable to my mortgage, completely contradicting themselves in doing so. Obviously, both positions can not be true at the same time. 

This could easily be considered as Perjury, and is going to be addressed in Court. 

I ask CFPB to issue a finding of fault in this matter, and sanction XXXX and their Loan Servicer, Mr. Cooper for this dishonest and prejudicial action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XXXX/XXXX/XXXX against TransUnion credit bureau XXXX, For their refusal to block trade-line I have requested due to Identity Theft. I had forgotten to include a copy of the Affidavit form TransUnion implies is the only form they will accept. I want to make sure their is mounting evidence the form was filled out correctly and notarized. It was mailed back on Monday XXXX/XXXX/XXXX. Therefore TransUnion has 4 days to delete the fraud trade-line. I have forwarded all this information to the XXXX and members of XXXX. 
I would also like to place on the record that prior to my identity being stolen ; -I have NEVER missed a payment in over 25 years of having credit. 

I typically never carry a balance on my credit cards and my credit history backs this fact up. 
Therefore, for TransUnion to not recognize the clear deviation of my credit pattern over the last 25 years is more proof their investigation is reckless or no investigation was ever conducted. 
Further, it must be asked why TransUnion chooses to error on the side against the victim whereas, some harm can not be repaired. Whereas, the alternative if TransUnion had BLOCKED the requested information and then conducted a proper investigation as the law requires. Any information can always be re-added.
Product: Mortgage

During the coronavirus pandemic. Pennymac loans will not defer payments when people are out of work. I called and they said they said they wont unless forced to.
Product: Debt collection

I already disputed with another collection agency for the XXXX from XXXX XXXX and it was taken off my credit report how can another collection agency put it back on my credit report again? Diversified Consultants is the collection agency that has put it back on my report. Why can't it be taken off now?
Product: Checking or savings account

On XX/XX/2023 Wells Fargo processed XXXX ATM withdrawals from XXXX different checking accounts totaling {$3000.00} along with several XXXX purchases. WF has refunded the XXXX purchases, but has not refunded the {$3000.00} stolen from my account. 

The first attempts to withdrawal the money were DENIED, however WF approved the subsequent transactions without ever verifying my identity. This is opposite how they would handle any credit card transactions. Once there is attempted fraud on the account, i don't understand why they would approve additional transactions The Wells Fargo case number is : XXXX
Product: Credit card

The transaction date was XX/XX/year>. The merchant was XXXX. 

I disputed the charge as soon as I saw it. This happened with two different credit cards. One company resolved this for me the same day I reported the charge. Apple Card ( Goldman Sachs ) has, over the last two years and after my re-asserting the dispute at least a dozen times, continued to essentially accuse me of fraud. This is after thousands of legitimate transactions that I do not dispute. For some unknown reason, Apple Card ( Goldman Sachs ) has chosen to, over a single {$100.00} transaction, attempt to compel me to pay for a transaction that I did not conduct. 

I suspect that the XXXX mobile application was somehow compromised in XXXX, resulting in the fraudulent charges. I can not, of course, be sure about that. Again, one company helped me and Apple Card simply has not. 

I refuse to pay for a transaction I did not conduct. Every other credit card company I have ever done business with seems to follow a policy of not holding their customers responsible for fraudulent charges. In this instance, Apple Card is, in essence, accusing me of fraud. 

I seek any and all assistance in this matter, as it has become clear to me that Apple Card and Goldman Sachs are seeking to take money from me. They have committed resources that more than likely far exceed the {$100.00} transaction in question.
Product: Debt collection

I was not aware of the this bill until XX/XX/2023 when I checked my credit score and talked to my insurance agent and XXXX. Because the billing statement has my wrong address which does not include my APT number, I was never properly notified.
Product: Mortgage

I contacted PHH Mortgage on XX/XX/2020 inquiring on how to transfer my loan and deed to my sister in law ( Loan Assumption ). 
the representative with ID # XXXX ( XXXX ) told me that i will received a package in 7 days. We will need to complete and send it back to PHH Mortgage. 

On XX/XX/2020 called again and spoke to XXXX and he told me they will expedite the package because was not send yet. 

XX/XX/2020 still did not receive the loan assumption package and called again. i requested to speak to a manager and i was transfer to XXXX, ID # XXXX. He told me he will call me back once the package was mail. on XX/XX/2020 he called to let me know i should received my package soon because it was mailed out on XX/XX/2020. 

XX/XX/2020, still did not received my loan assumption package, called back and representative with ID # XXXX after i explained my frustruation, he told me that the package will me sent by E-mail and Fax in the next 24 to 48 hours, he copy all my information ( E-mail address and Fax # ) and placed me on hold and then hang up the phone on me. 
a few minutes late he called me back and promissed to fax and e-mail the documents. 

XX/XX/2020, did not received an E-mail, fax or package by mail. 
called again and spoke to representative with ID # XXXX, then he proceed to fax me a letter with instructions on how to request a loan assumption .... again no application was sent or anything else. 

I am frustrated by now and still need to transfer my home to my sister in law. 

Best regards, XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$400.00} DPT EDXXXX XXXX Balance Owed : {$5000.00} DPT EDXXXX XXXX Balance Owed : {$8100.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$2800.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Product: Checking or savings account

On XX/XX/23, I instructed my financial institution to send a check to Bank of America to the credit of my private party mortgage holder 's account. On XXXX, the mortgage holder advised that the check was returned to her account, and I paid a second time. Subsequently, she provided a copy of what Bank of America sent her, and they claim the check was altered or fictitious. 

I went to my financial institution, XXXX and asked for proof of payment, which is attached. I then sent a letter to Bank of America, copy attached, with proof that the check cleared and requested that they reverse their error as the check was paid, and credit XXXX XXXX XXXX  account. 

To this date, no funds have been returned to her account or to my account, and Bank of America has not responded.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.
Product: Checking or savings account

I was on XXXX from XXXX to XXXX before XXXX. My account got hacked and there was multiple login attempts. I had cancelled my debit card around XXXX and asked the bank to send me a new one which they refused to provide. There were charges of up to XXXX dollars on my account. When I reached out to the bank to dispute and investigate as well as provided them some information and a police report. Chime bank corp has refused to investigate my claim rather closes it days before the provisional credit dead line. I keep having fights with them about this. There are multiple login attempts as well on my account to which I keep bringing to there knowledge as apart of the issue and they wont respond.They keep sending me false links to provide documentation.
Product: Credit card

RE : CFPB Case number XXXX Be advised this case has been settled and closed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of Ed/XXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account XXXX Please remove all non-account holding inquiries over XXXX  days old. 
* Please add a Promotional Suppression to my credit file.

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

I am a victim of identity theft and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency Experian XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX MOBILE, AL XXXX Re : Account XXXX XXXX Subject : Final Request for Correction of Credit Information Before Formal XXXX Dear XXXX XXXX XXXX XXXX I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : XXXX XXXX XXXXXXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cc : CFPB FTC States Attorney General