23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Michigan XXXX XXXX XXXX has on my credit report that its a charge off of {$350.00}. I havent received any 1099 or any other forms about this charge off also I payed the {$350.00}. Please investigate this account. Its hurting my credit years later after I paid it off and the company lied by writing this off.
Product: Mortgage

While I was in forbearance with my mortgage lender they are not supposed to send any negative remarks towards my credit bureau which they have been I have contacted the credit bureau I have contacted my bank lender and not I should have been done to remove this negative remarks I want action being taken against them and I want these negative remarks be removed from my credit as soon as possible. The name of the bank lender is planet home lending
Product: Student loan

To whom it may concern ; I 've some concerns regarding my current student loans and came across your web site thinking you might give me some direction to my quandary. 
Student loan servicers, whether for-profit, not-for-profit or government agencies, should be accountable for serving borrowers fairly, efficiently and effectively. The " Joint Statement of Principles on Student Loan Servicing '' states that student loan borrowers have protections so that they will be treated " fairly '' even if they are struggling to repay their loans and have assurances that student loan servicers, both in the marketplace and through federally-contracted companies, " are held accountable for their conduct ''. 
But I find that this is inaccurate - Loan servicers do n't apply repayment funds equitably to the interest and the principle balance, such as in a home mortgage. This is unfair practice that keeps the borrower in debt for longer periods of time at greater expense on long term notes. 
I have been in repayment for some time now and found out that my loan servicer has only been applying my payment to the interest only. At this rate I will constantly accrue interest and never have the ability to pay down the principle amount, costing thousands of dollars that are charged to me unfairly. 
Is there some resolve to this mess that can give me some direction so I can feel better about paying on my loans? 
I would appreciate any guidance you can offer, A frustrated borrower
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, I XXXX XXXX do deeply apologize for the past complaints against XXXX XXXX XXXX and XXXX due to my lack of knowledge, though this complain is more about transunion and XXXX, they do not have the authority to make a report without any written consent, they made a report and technically stole my information and that is wrong please fix this with them so they can delete all inquiries, especially XXXX XXXX, XXXX XXXX had continuous charge offs past due amount of days. Please fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting a credit card that has been reporting information to them. XXXX XXXX has been an active account with a {$300.00} limit for time now and it does not reflect on CRA Experian. It reflects on the other, but not Experian.
Product: Credit reporting or other personal consumer reports

A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to XXXX, Equifax, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with necessary proof of investigation.
Product: Vehicle loan or lease

My vehicle was stolen XX/XX/18. XXXX paid off their responsible portion, and GAP paid off the remaining. Nissan then stated the remaining deficiency is due 30 days from the  date GAP paid their portion. The remaining balance is XXXX {$3800.00} yet they refuse to set up any type of arrangements with me to help. The contract does NOT state the balance would be due in 30 days if this occurred it states I would be responsible for the remaining balance which I completely understand, however I had to purchase another vehicle and do not have ~ {$3800.00} laying around to pay. I tried to pay with a credit card and that was also refused therefore I have no options left and they say there are no arrangements that can be made. This is unfair to the consumer and the contract does NOT state this is the requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

XXXX says the balance is {$830.00} experian says it is {$0.00} XXXX says it is {$830.00} date opened XXXX  states XX/XX/2017 experian states XX/XX/2017 XXXX states XX/XX/2017 not all equal
Product: Credit card

I opened a new Wells Fargo account in order to take advantage of a 0 % APR on transfers. On XX/XX/2023 I used the Wells Fargo app to make a transfer of {$1100.00} from my XXXX XXXX card to the Wells Fargo account. The app didn't make the transfer so I tried a second time. That time the transfer went through. Days later I found that my XXXX account had not been paid at all. I contacted Wells Fargo who opened a case ( # XXXX ). At that time I was told if I had done the transfer over the phone they could of corrected the issue immediately, but since I used the app the case would have to go to research and may take up to 60 days for results. 

By XX/XX/XXXX I had found out that the funds were transferred from a XXXX 's account and that XXXX was giving Wells Fargo the run around about releasing the funds back to Wells Fargo. I obtained the XXXX number XXXX and the XXXX 's account number and called XXXX 's myself. I was told that the card number ending in XXXX was not a XXXX 's account. Keep in mind I do not have nor I have I ever had a XXXX 's store card or credit card. 

By XX/XX/XXXX I spoke to a supervisor at XXXX XXXX who told me to contact XXXXXXXX XXXX All Divisions at XXXX. I received no response from the email I sent. 

XX/XX/XXXX I was connected to XXXX XXXX, an Escalations Representative in the XXXX XXXX XXXX XXXX for XXXX XXXX was sick at that time. The clinic had put me on three different prescription meds and I was not feeling well. XXXX told me that since I was sick she would send me a letter with instructions on how to call Wells Fargo Customer Service and facilitate a conference call with both Wells Fargo and XXXX. The purpose of this call was for me to give verbal confirmation to XXXX 's allowing them to release funds back to Wells Fargo. 

When I received the letter on XX/XX/XXXX it did not contain the expected instructions and contact numbers. Instead it informed me that Wells Fargo considered the case closed and that I owed them the {$1100.00} plus interest and late fees. I immediately called XXXX but this was the day before XXXX and I only got her voicemail. I left a message telling her what the problem was and to please call me. She still has not called me back. 

On XX/XX/XXXX Wells Fargo called in an attempt to collect the funds. I asked the associate to just go ahead and put their supervisor on. I spoke with XXXX who said the case looked like it was still open at that time. I thanked her but decided I had had enough of this run around. I contacted the Florida Attorney Generals office via their website. I was given the CFPB contact information in that email.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate and consistent on my credit report. 

Experian stated that the account below was properly investigated and that it will remain on my credit report. The account was verified to be accurate. How is that possible when the date of last activity is inconsistent with all 3 bureau. This account is grounds for an immediate removal from my credit report. As far as I'm concerned there was no proper investigation completed. 

XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed a complaint on PNC BANK because of the inaccurate information I seen on my credit report regarding a repossession. On XX/XX/2023 XXXX XXXX the Executive Client Relations ask if I can reach out to her and I responded to her email immediately. I called no answer or response to my email I sent to her and it XX/XX/2023 she still hasnt reach out or responded. She knows PNC BANK violated my rights as a consumer and FCRA under state law. If this repossession is in collections why is the original balance reflecting on my credit report. After a car is sold a consumer dont owe that original balance anymore. Why isnt it showing that this account is in collections? Why is this reporting inaccurate information on my credit report and why wasnt the documents I requested sent to my mailing address. I feel PNC BANK do this to a lot of people because they didnt think I will catch the scam they are trying to pull on me. I want this removed from my credit report immediately due me the inaccurate reporting information.
Product: Debt collection

There is a Debt Collection Agency based in XXXX, Florida. They know how to rotate their number, so the recipient like me does not recognize it is the same agency. The number rotates from XXXX ( appears XXXX ), XXXX, XXXX, XXXX, XXXX, then again XXXX, XXXX. Calling me almost daily since they just started this on XXXX/XXXX/15 during my working hours or XXXX the same day. They Claim I owe a debt with XXXX of a Card I used to own known as XXXX. Believe this is an old debt back when I was in my early XXXX, which I 'm now XXXX old. Please, please need your help to stop harrassing these calls as I know these types of agents with debt agencies get paid commission to successfully sell on a debt to be paid. My Debt is beyond the Statute of Limitations in the XXXX Florida Area. This company is based out in XXXX. Please keep me updated and desperately need your help to stop the Harassments. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied an apartment because of wrong information reported on my XXXX report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the green apartments XXXX and XXXX i spoke with the credit agency XXXX XXXX and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX   and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX and XXXX three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...
Product: Mortgage

I was charged late fees by PHH mortgage in XX/XX/year>, even though it was because of a system error on their side. Here 's the timeline : XX/XX/year> : My mortgage was transferred to PHH mortgage XX/XX/year> : I made mortgage payment for XX/XX/year> XX/XX/year> : the autopay for XX/XX/year> didn't happen because it wasn't set up by PHH mortgage ; I had sufficient funds in my bank account for the payment XX/XX/year> : I made payment for XX/XX/year> manually through PHH website I attached my bank statements for XXXX, XXXX, and XX/XX/year> as evidence. I request PHH mortgage remove the late charges.
Product: Mortgage

The borrower, Ms. XXXX received a notice on XXXX of a Trustee Sale scheduled on XXXX. Mr. XXXX contacted the lender on XXXX to request Mortgage Assistance. She was informed by a representative that the lender, Nationstar Mortgage LLC would not allow her to pursue a short sale because they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why she was n't provided with the notice at least 37 days prior to the Sale date so that she would have had enough time to request mortgage assistance. The representative stated that such notice was something that they were not required to do and that the Sale date will go through as scheduled. However, pursuant to XXXX XXXX of the California XXXX XXXX, " The sale date shown on this notice of sale XXXX be postponed XXXX or more times by the mortgagee, beneficiary, trustee, or a court. '' Furthermore, pursuant to XXXX " At least 20 days before the date of sale, deposit or cause to be deposited in the United States mail an envelope, sent by registered or certified mail with postage prepaid, containing a copy of the notice of the time and place of sale, addressed to each person whose name and address are set forth in a duly recorded request therefor, directed to the address designated in the request and to each trustor or mortgagor at his or her last known address if different than the address specified in the deed of trust or mortgage with power of sale. '' Ms. XXXX did not receive such notice via Registered or Certified Mail and thus the Lender did not provide proper notice.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to bring to your attention a concerning issue I recently discovered on my credit report. On XX/XX/XXXX, I obtained a copy of my credit report from ( Equifax, XXXX, and XXXX ) and was alarmed to find XXXX unauthorized hard inquiries listed on my report. 


EQUIFAX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized hard inquiries in question were made without my knowledge or consent, and I have no affiliation with the entities that initiated these inquiries. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to safeguard my financial well-being.

I kindly request the assistance of the Consumer Financial Protection bureau in investigating and rectifying this matter. I believe that these unauthorized hard inquiries are not only a violation of my privacy but may also negatively impact my credit score. I have filed a dispute with ( XXXX, Equifax and XXXX ) on this matter more than 30 days ago and nothing has been done. 



Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, Equifax, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the XXXXXXXX XXXX to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report Also this is a defamation to my character as a consumer XXXX XXXX XXXX and I am trying to get a house and these negative inaccurate fraudulent and erroneous negative remarks and accounts is hindering me and my credibility as a consumer this is not fair and I will seek litigation pursuant to 15 U.S. Code 1692k - Civil liability
Product: Prepaid card

tried to check balance by logging into XXXX It is {$100.00} gift card given to us on XXXX ( not sure my or son 's ). we usually keep all cards together and then try to use when in need. we don't keep account of who gave, and many times person who gives gift card is anonymous, they don't write their name. 
I called XXXX and they are asking me to load my information such as DL or call and check with person who gave gift card or provide receipts. I tried to explain that when I give gift card, we don't give receipts such put card on the envelope and the gift it. 
Used so many gifts card but never came across where I need to provide my personal information to use gift card gifted.
Product: Credit reporting or other personal consumer reports

On credit report there is on XXXX XXXX credit report agency that is under the previous please do not use people with similar names and personal information address on this is likely on equifax credit bureau which really I have no information from them at this time. However the attachment from XXXX XXXX shows XXXX addresses XXXX is my aunt and uncles house where I have never lived XXXX XXXX XXXXXXXX XXXX see attachment. Not the most agreeable b family but no I never visit let alone ever lived there ever. So as address no it is not correct
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX  XXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person. 

Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer
Product: Mortgage

I On XX/XX/XXXX, I noticed a notification of a document that I was prompted to review from my mortgage company, Mr. Cooper. I logged and found that a Escrow Analysis had been done and found that I was in deficit of {$10000.00} and my mortgage payment was going to increase from {$2800.00} to {$4900.00}. Needless to say, I called Mr. Cooper and they stated that I have an Escrow had a deficit and I have a new AV in the amount of {$17000.00}. This in my opinion could only be true had I done any major home construction improvements like add a bathroom, expand a kitchen, add a deck. I have done nothing. My home is a new construction and as the Tax Assessor explains that because it was a new construction and was under the reporting of the builder, my first year taxes did not include the home structure Assessed Value. So that's why there was a lump sum payment at the end of XXXX in the amount of {$10000.00}. 

Mr. Cooper is stating that they have reviewed the Tax Assessors website and looked up the property and have made an estimated assessment that my taxes will be at year end {$17000.00}. When in fact if you look at the tax assessors letter its clear that the estimated AV, based on XXXX interest rate because XXXX interest rate has not been distributed, will be {$11000.00}. The Tax Assessor explained that when the XXXX interest rate is distributed, it would never be in excess of thousands of dollars. 

My main complaint is that I believe that Mr. Cooper like many financial institutions are preying on people with FHA Loans that consistently pay their mortgage with ways to make more money on those accounts. I say that because Mr. Cooper representatives have been literally hounding me to refinance, I receive an insane amount of emails, phone calls and letters. They are promoting some FHA refinance package that allows people to refinance with no credit check, no downpayment. I understand that there are programs around like that for people who are in severe financial distress I am still employed so I though I struggle with balance, I am not in that place. 

I am reporting this complaint because practices like this do a couple of things : 1. Allow people to lower their payment who are not in need to do so and limits resources to people who may desperately need to lower their payment. 
2. Allows banking institutions like Mr. Cooper get away with financial bullying If I did not have the mental acuity to call the Tax Assessors office to get answers, I would believe the mortgage company and would probably be forced to sell my home or refinance which could ultimately be the cause to me losing my home since Mr. Cooper so strategically generates these scenarios.