23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband died on XX/XX/2017. He died intestate with a minor child and a wife. At the time of his death we lived in a house that was his separate property, left to him be his mother. At the time he died, I did not know if he had paid the monthly mortgage. So four days after his death I went to the bank and advised that he had passed away and that I was not sure if he had paid the mortgage. I had the mortgage information. Wells Fargo accepted the payment. I also called the life events team at Wells Fargo that same day and advised of the death. I advised that as soon as the death certificate was available. I would get it to them. When the death certificate became available. I took it to a branch of Wells Fargo and paid the mortgage. I contacted the mortgage servicing division and advised that I would be seeking to become the successor in interest on then mortgage and requested the necessary documentation. I continued to pay the mortgage. On the 5th payment, I went to the bank to pay the mortgage but this time Wells Fargo refused to accept it. I was told that since I was not on the mortgage they could not accept payment from me. This even though I had been paying the mortgage since my husband 's death. I contacted Wells Fargo again. This time I was told that they did not have my husband 's death certificate. I told them that I had gave them a certified copy as soon as it became available. I requested information on the status of the payments and Wells Fargo refused to give my any information on the mortgage payments. They sent me the forms they needed for me to apply to become the successor in interest. To become the successor in interest. they were aware I was required to prove an ownership interest. I advised that I would be filing the necessary paperwork/pleading in probate as soon as it was determined who would be my stepson Conservator. I gave them all the necessary information to confirm that my husband had left a minor child who was unrepresented. While I continued to resolve the issues with the child and the estate, Wells Fargo foreclosed on the house without notice to the estate. Wells Fargo foreclosed in my husband 's deceased mother name! At the time of my husband 's death he was the sole obligor on the mortgage. Neither I nor the estate received any notice from Wells Fargo. I am currently litigating against Well Fargo for what they did. This case happened Texas. Texas has law that says that a Dependent Administrator can set aside a foreclosure of a person who dies intestate within four years of the death of the obligor! Even though this is the law in Texas, Wells Fargo refuses to follow the law and is continuing the litigation at great expense to the family. Wells Fargo stole from my family! I am still fighting but I want the CFPB and the public to know that Wells Fargo continues to harm its customers even though that are penalized by its regulators! Wells Fargo has not changed. They just will not stop destroying the lives of their customers!!
Product: Credit card

First off I pay my belk and amazon payments on time, however the bank lendholder for the companys is Synchrony. After they decided to check my credit which is lower now because of more debt they decrease the credit limit and up the payments.. I did not ask for an increase in credit. I always paid them on time. Now they called constantly and even called every Sunday morning at XXXX. Now they have my account as late because I 'm not able to make the amount they have not set as the lowest payment. So I pay what I can until I can pay it off. This all happen in one month back in XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit report that I do not recognize
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. 
XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

There was an inquiry on my credit report by Winn Law Group out in XXXX CA. My credit report IS locked and they still got through! After searching their name on the internet, turned out it is debt collection 'lawyer ' according to the reviews. 
I haven't had any debt for 12 years!!! never heard of them, never heard from them! I had to put a fraud alert on my credit report and had XXXX  to investigate the inquiry. How is it possible in this age and technology for scambags to have access to the post private information??!!
Product: Mortgage

I have several accounts with Pentagon Federal Credit Union ( Pen Fed ). Due to the pandemic I became behind on one of credit cards with the Pen Fed. I contacted Pen Fed and was told that my HELOC was in jeopardy of closing if a payment wasn't made that day. I made the requested payment to keep my HELOC open and not negatively impact my credit score. 
Despite the agreement the HELOC was closed anyway. I called the bank and was told that a supervisor would look into the matter. I called several times and was told the same thing. Then today, XX/XX/XXXX I called and was told that the HELOC was closed due to my credit score dropping. The loan is a secured loan and after reading all of disclosures no where is it stated that the account can be closed due to credit score. It does state that the credit union has a right to freeze the account for non payment. But this was not the case. 
The credit union made a verbal agreement to keep the account open but not only did they renege on that agreement that closed the account for reasons that were not part of the disclosures documents when the HELOC was opened.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
Please remove this inaccurate address as soon as possible. This is not my home address. Please verify and delete it immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I the consumer was not given a explanation how to exercise on how I can exercise a nondisclosure option of nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint sent regarding issues with equifax and having my credit card closed due to equifax contacting credit company to have my account closed due to an error on equifax end with my social security last 4 digits being incorrect. I submitted all forms requested by equifax and received a credit report in the mail ( finally as i was never able to receive a credit report prior ). However i am still unable to access my report online even with using the confirmation number from their own report mailed to me. I am unsure if the company has my correct full social security at this point and questions asked to identify myself is not correct and do not belong to me. 

I contacted equifax by phone a few days ago and no help was offered. I want to open a credit card but fear it will be closed again due to equifax and destroying my credit once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiry on Credit Report Dear XXXX XXXX XXXX am writing to formally dispute a hard inquiry that has been listed on my credit report. I have reviewed my credit report and noticed the inquiry from the companies listed below. I do not recall authorizing this inquiry and would like to request that it be investigated.

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. I do not recall applying for credit with these companies, and I believe these inquiry may have been made in error or without my consent.

Please investigate this matter and remove the inquiry from my credit report if it is found to be unauthorized. I would appreciate written confirmation of the results of your investigation.

Thank you for your attention to this matter. Please inform me of any further information you require in order to proceed with this dispute. 

Hard Inquires that need to be taken off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the  freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

1. The loan servicer is PennyMac Loan Services. 
2. The Loan Number is XXXX. 
3. XXXX states the investor is XXXX XXXX. I have confirmed with XXXX XXXX directly tha they are not the investor. 
4. I also called XXXX XXXX and they confirmed they are not the investor. 
5. The only other possibility is that the loan is in a pooled Trust. 

6. I have sent PennyMac Loan Services 10 Qualified Written Requests by affidavit to acquire certified copies of the Promissory Note and the Deed plus information about a forensic audit to determine who the investor ( s ) is/are. For the past 3 years PennyMac Loan Services has refused to respond to any QWR. 

7. PennyMac has also modified the loan over 50 times by accounting fraud and fraudulent insurance and is forcing me to pay for these modifications in violation of a 2015 Superior Court judgement when the court ordered them to stop and pay restitution. They have refused to follow the court order and are threatening foreclosure if I don't pay them.. even though I have made every single payment on time with extra principal they insist I own them more money even after the court judgment against them. 

I am requesting assistance from the CFPB to please instruct PennyMac Loan Services to immediately respond to the Qualified Written Request and provide the requested information, including certified copies of the Promissory Note, the Deed and Title, and the investment Trust information for the forensic audit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint regarding inaccuracies on my credit report that continues to negatively impact my credit from Discover Bank. Despite my effort to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX, I resides at XXXX XXXX XXXX XXXX, XXXX GA XXXX. On XXXX the XXXX 2021 I sent the 3 credit bureaus XXXX XXXX, TRANS UNION a demand to see Verifiable Proof ( an original contract with my signature on it ) they have on file of the accounts I'm disputing. Its been 30 days later I sent them another letter asking for my results of my investigation, and still nothing.
Product: Credit card or prepaid card

American Express cancelled my card, and denied my request to be reinstated. I sent a few requests to have my credit limit increases and was denied also.
Product: Credit reporting or other personal consumer reports

I transferred the balance of my Capital One Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my Capital One Credit Card which is no longer {$1600.00} it's {$0.00}
Product: Credit reporting or other personal consumer reports

During COVID I had financial issue, like many people, and I got behind on my credit card payments. I worked out a plan with Discover to make payments. In XX/XX/2023 I paid off the balance in full, in the amount of {$5200.00}. 

I asked Discover to send me a letter stating my balance was paid in the full, the amount I paid, and to state I had a XXXX balance on that account. They told me a letter like that could not be done. 

My credit reports show that Discover wrote off the balance. it does not say " Paid in full '' with a XXXX balance. Discover told me that's what it would say.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank is continuing to report a late in XX/XX/2014, this account has never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got Bank statements from Bank of America. I have not ever had an credit card, checking account, or savings account with Bank of America. On XX/XX/2022, i received 7 statements of other people opening an account in my name with my birthday and my Social Secruity number. The total amount of the 7 statements is {$25000.00}. Each statement was in another persons name. I have called Bank of American and have started a dispute with them. I told them I have never had an account with them and told them that this was fraud and identity theft. The have closed the account and working on the situation. I also called the police and filed a police report on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Product: Credit reporting or other personal consumer reports

Westlake financial is reporting inaccuracies on my credit report for XXXX of XXXX. I filed a complaint and that was rectified. However, when filing the initial complaint there were no other discrepancy with any other month until the XXXX dispute was rectified. After this Westlake reported an inaccuracey for XX/XX/XXXX and XX/XX/XXXX. They have failed to fix this despite my constance calls and disputes. Although I have the payment history and Westlake can see this information they do not take responsibility for the inaccuracey.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit card or prepaid card

On XXXX I was flying XXXX to Florida. When I approached the baggage check counter, a XXXX employee encouraged me to open an American Express Gold Card. She explained I would get my bag free and be awarded XXXX miles if I spent {$2000.00} in the next two months, which I did. She DID NOT explain or disclose orally or in writing that the miles award could or would be declined for any reason. 

In XX/XX/XXXX I noticed my miles award had not posted. I contacted American Express customer service on XX/XX/XXXX to inquire why. I was told the miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. None of this prior activity was mentioned as a cause for award decline when I opened the card ( which technically was a different extension of credit than the one opened in XXXX - different terms/rate, etc. ). 

The customer service rep opened a case for escalation/review - # XXXX on XXXX. On XX/XX/XXXX, I still had not received the miles award so I called American Express customer service to inquire of the status of the case. I was once again told my miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. Again, at no time was I orally or in writing notified that opening a card previously ( one with different terms and conditions ) could or would result in decline of miles awards. 

XXXX employees encouraging, offering and facilitating an American Express extension of credit without fully disclosing terms and conditions, orally or in writing, I believe is not legal.