23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Mortgage is in forbearance. The mortgage co I am dealing with has been deceptive and had terrible customer service. I have had to call them regularly about my forbearance as their website takes me in circles. Each time I talk to someone on the phone they do not know what they are doing. They have been misleading, misinformed, unhelpful. They will send me no paperwork about my home being in forbearance. Their excuse is they are backlogged, but they will escalate the request, which of course never achieves a result. Every three months I am charged a late fee for my mortgage of {$290.00}. When I call and say it is in forbearance, they say " You only requested Forbearance, you were never granted forbearance '' .They are always trying to force me into a Loan Modification. They have been deceptive, have terrible mortgage servicing practices, mistreated the consumer, terrible mortgage servicing misconduct, and are putting me at risk for losing my home. They have taken servicing shortcuts and charged me unnecessary fees. They have deceptive and abusive practices. They have harmed me as a consumer. I have spent hours on the phone with these people and it always falls on deaf ears. I have documented every call.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX  report number XXXX due to identity theft and financial hardship being caused by a false negative remark attached to my credit. These negative remarks were removed due to investigation being proven. They were then placed back on my report inaccurately. Since refiling, Experian denied to follow up with the investigation. I was recently notified of the lawsuit filed against this company ( experian ) by the CFPB. They alleged the company of accepting unreliable information, failure to notify consumer dispute results, and inaccurate reporting. This aligns with my situation. Experian has done nothing in attempt to remove nor correct any inaccurate information. I'm requesting this derogatory mark be removed or corrected immediately as its affecting my livelihood, and placing me under financial distress being unable to be approved for housing, auto loans, rental housing, mortgage loans. Experian violates my right as a consumer a well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you of my intent to sue in the XXXX XXXX of XXXX XXXX. I have made several attempts to settle this matter with you personally, but to no avail you continued to violate my rights as a consumer and a natural person under XXXX. 
I notified you to cease and desist communication pursuant to 15 USC 1692c ( c ) and to validate the debt pursuant to 15 USC 1692g ( b ), however, you failed to cease communication to credit reporting agencies and other third parties. You never properly validated the debt and failed to provide the verification that I requested. 
The responses you sent me will serve as proof that you have violated my rights as a consumer and a natural person. May I remind you that I have the right to be informed, the right to privacy, the right to be heard, and the right to redress. 
Your actions have publicly defamed me, including my credit worthiness, credit standing, credit capacity, character, and general reputation. You were supposed to exercise your grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Due to your unfair practices, I have lost confidence in the banking system. 
I am suffering from emotional distress, anxiety, and fear, all in which I am currently seeking counseling for. The number of damages you have caused me is unbelievable. You are civilly liable to me for such damages pursuant to the FDCPA, FCRA, and The Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints against this company with you Experian, an I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes. Experian failed in its basic duty to investigate and resolve disputes about inaccurate information on my consumer report. This is a clear violation of the FCRA as this is not accurate or complete. 
DELETE THIS IMMEDIATELY! In XXXX, I know I have the right to be protected by the FDCPA, a federal law. The FDCPA prohibits collectors from behaving abusively, harassing you, or trying to deceive you. It's also the law that allows you to send a Debt Validation Letter- and says that if a collector can't verify a debt, you don't have to pay it. The statute of limitations on reporting account applies to the laws under XXXX XXXX year minimum.The CFBP protects consumers from unfair, deceptive, or abusive practices and takes action against companies that break consumer law. However, they have many additional roles. This includes the following : Write rules, supervise companies, and enforce the law in order to protect consumers from deceptive and abusive practices ; Enforce laws that outlaw discrimination in consumer finance ; Accept consumer complaints ; Enhance and empower consumers through financial education ; Laws like the ones I have listed, 15 U.S.C. 1681e ( b ) : 15 U.S.C. 1692g ( b ) : 15 U.S.C. 1681 ( a ) : 15 usc 1666b. I request immediate removal of these items, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX ORIGINAL CREDITOR:01 XXXX XXXX  ) XXXX. XXXXXXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX XXXX XXXX Inquiring inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> as it is incorrect and does not reflect my true credit history. XXXX until present day XXXX, I have filed multiple complaints against this company with you with certified mail with return receipt. Exhibits will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints trying to have inquiries that was found in mg credit reports, they did not resolve the issue, these inquiries are fraud and I want them off my report, there is over 29 inquiries on my Equifax credit file and Equifax is ignoring the fact that these inquiries I do recognize at all and they need to removed, I will send a FTC Identity theft report With this complaint, this is my third complaint and nothing has made been done, it is my right under the fair credit reporting act to dispute any information that does not belong to me, I am disputing these inquiries as fraud, do not put no fraud alert on my report, I will keep filing complaints until these inquiries are disputed off,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal and final demand to immediately delete the inaccurate and unverifiable account referenced above from my credit report. Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681s-2 ( Fair Credit Reporting Act ), I have the right to dispute any erroneous information on my credit report and demand immediate correction if the information can not be fully verified.

You are hereby notified that you have 30 days from the receipt of this letter to : Provide full legal validation of the debt, including all original signed agreements. 
Remove this account from all three major credit reporting agencies ( Experian, XXXX, and XXXX ), as the continued reporting of this inaccurate information constitutes a violation of federal law. 

Failure to comply within 30 days will leave me no option but to take immediate legal action against your agency for violations of both the FDCPA and FCRA. This includes pursuing legal action to seek statutory damages, actual damages, and recovery of all legal fees. Additionally, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your agency is held accountable for these violations. 

This is your final notice to resolve this matter promptly. Please confirm that the account has been deleted from my credit report and that you have ceased all communication with me regarding this matter, as per my rights under 15 U.S.C. 1692c ( c ). 

I trust you will handle this situation professionally and in compliance with the law. I look forward to receiving confirmation of the removal within 4 days. 

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

Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX  and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Payday loan, title loan, or personal loan

Ive been paying in advance towards the principal and paid it down to {$11.00}. I tried paying the loan off online but was directed to call the bank. Its been difficult to communicate with representatives because I cant understand their convoluted explanations and also due to foreign accents ( no offense intended ). 

Now theyre saying I owe an additional {$290.00}. I requested to speak with a supervisor but no supervisor was available. Ive been trying to get this resolved for the last month with no resolution. Please help. TY
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person
Product: Debt collection

AD ASTRA RECOVERY SERVICES Account number XXXX- is reporting a collection for {$310.00} on my credit report for the debt that is NOT mine. I called and have written letters to AD Astra to state that this is not my account and that I never have done business with Original creditor XXXX XXXX XXXX  CA- they refused to take this off my report they asked for my social # phone # and where I worked now they are aggressively harassing me trying to collect a payment on this fraudulent account ... ad astra threatened to arrest me if I didn't pay this debt that is not mine to begin with ....
Product: Mortgage

XXXX had originally applied for a mortgage modification in XXXX. After XXXX submissions ( they lost or misplaced XXXX ) finally the XXXX was discovered and they assigned an account person to our case. After a few weeks we were notified by phone that the application had been approved and they would be sending us paperwork and agreement. The agreement was a lowering of our payment to {$1300.00} per month and interest rate reduction to 3 %. They also instructed us to NOT make any mortgage payments as this would delay processing. After a few weeks of not receiving anything or being contacted we called them. We were told that our agent was no longer with wells fargo and they had no information on our new mortgage modification agreement. We were told we would have to resubmit paperwork. My wife and I were disqusted with wells fargo and decided they were not going to do anything for us. Wells Fargo continued to send us mortgage modification packs ( at least XXXX ). Finally I thought I would try again. I called and told them our past problems and all the application submissions. I was told they HAD our application and it had been denied by a investor. Something they mysteriously never revealed to us in the past. I asked if wells fargo was holding the mortgage and who this " investor '' was. They said they could not divulge that information, but the investor refused to lower the interest or payment of the mortgage modification. I did n't know an outside investor had a say over mortgage. modifications and over wells fargo. We are still receiving mortgage modification packs from wells fargo, even though the had denied our application. We have had late payments in the past but are current at present time. Since the crash my wife has lost a substantial amount of income and we 've used savings and investments to keep up. I am retired and on fixed income. Wells Fargo has done nothing to assist, except send us foreclosure notices and threatening letters. Oh but they continue to send us the mortgage modification packs. What do they want from us, send in they application for the XXXX time so they can lose it or deny it again. So the " investor '' can deny it, sorry. I 've also discovered that the Office of Comptroller of Currency has a Consent Order against Wells Fargo for failure to comply. I believe this is about the same scenario as we 've experienced with Wells Fargo. Other Big banks have been released from this order by their compliance, Wells Fargo was not one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXX and mainly all medical bills from XXXX 's I had to have, I looked on XXXX XXXXXXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is United Revenue i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Debt collection

A request for AWA Collection to validate the debt they are trying to collect from me was requested in XXXX of XXXX. I also requested copies of a signed contract i have with AWA Collection that would create a contract with them giving them authority to report through the company AWA Collection on my credit report. They did not validate or respond to my request in writing or via email or any other form of correspondence. 
This is a violation of 15 USC 1692g and the FCRA provides remedy for that violation in 15 U.S code 1681n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Account in question : Account name : AWA Collect Account number : XXXX Account type : Collections Date opened : XX/XX/XXXX Status : Collections Account Date Last Reported : XX/XX/XXXX Balance : {$500.00} After I disputed this account with AWA they have continued to harass me by increasing the account {$1.00} ever month and reporting that increase to the credit reporting agencies. This is a violation of 15 U.S code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score today and it dropped 50 points. When I checked the cause of it, it says that an account was closed between a XX/XX/XXXX and XXXX of 2019. It say SYNCB/PPC credit card appears to have been closed. Looking into the name, it shows it is PayPal. I have never in my life had a paypal credit card. Now its showing the account as closed. This seems like some kind of fraud. I have a paypal account but it is connected to my bank and my bank card. I do not have any lines for credit card so I need this corrected, as Ive been working very hard to improve my credit score.
Product: Student loan

I had a private navient loan in default which I settled in full last month ; however, this is not updated on the navient web portal, and it is not updated on my credit report either. Upon calling Navient multiple times, the reps always say its the wrong department before finally transferring me to a number that I get hung up on.
Product: Mortgage

I paid my mortgage via online through Citi bank at XXXX XXXX  and while trying to finalize the payment during the last step a red pop up came up and stated error please try again later. Then at XXXX XXXX  I logged back on and made the payment and it allowed me to complete the last step and pay the mortgage. But when I looked at my account it had two debits for both payments pending. I tried to stop it online but was I unsuccessful. I called Citibank and after a ridiculous 20 minute wait and vetting process finally spoke to a representative who informed me that they could not help me and transferred me to another representative who told me to call XXXX. XXXX is the company who services my loan. XXXX   representative tells me that they cant refund me and j would have to go through Citi mortgage and they gave me the number. I then called Citi mortgage and they told me to call XXXX, so I asked to be transferred to a supervisor who then Gave me more of a runaround and absolute nonsense. How can I not get a refund on my money from my bank when clearly a glitch in their system cause this issue. All I want is my money back from the double payment. Please help because they wont
Product: Credit reporting or other personal consumer reports

XXXX or XX/XX/year> XXXX accounts with Wells Fargo were opened in my name without my knowledge and permission. Someone used my social security number, address, and identity without my knowledge and permission. I had a insurance check claim with XXXX, {$19000.00}, and the claim check was deposited into the Wells Fargo account without my permission and knowledge. I was made aware of the account XX/XX/year> and went to Wells Fargo to file a claim. A fraud and identity claim was filed. Wells Fargo declined my claim, stated I had given permission to open the account. Wells Fargo allowed my information to be used online to open the account and the funds to be spent.
Product: Debt collection

Now I am being charged by Experian for a bogus charge against my credit card and my checking account. A charge of {$24.00} has been charged against my Credit Card/ Bank account with out any authorization from me. 
I was never notified or have I spoken to anyone at experian regarding a charge against my Credit card or my Bank account. 
I have had to destroy my C/C from my bank and dispute this charge by Experian that Once again " I never authorized ''. had no idea I was going to be charged and have no idea what the charge is for? 
I want experian to be held totally responsible for all of my inconveniences. and to send me a letter of apology.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Debt collection

I have XXXX negative marks on my credit report from your company I believe the original lender may be medical. I have tried contacting multiple times. I would like an itemized list on what exactly I allegedly received to owe this debt. XXXX of the marks are for the exact same amount. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me. I am requesting that you allow me to verify the alleged debt. Thank you.
Product: Debt collection

Received notification of XXXX owed to Milestone Parrish Llc. Contacted collection agency via email and stated debt was not mine and requested validation. XX/XX/2023 I received a letter in the mail that was supposed to be the debt validation. The paperwork sent has the date the account was opened and the amount owed. The signature on the contract is not mine nor does the paperwork indicate the location where the account was opened nor a copy of the identification presented/collected at the time the application was completed and the account opened. 

Whomever opened the account provided my checking account information for automatic debit of the payments. When I noticed the deductions I contacted my bank and reported the activity as fraudulent. 

That was over XXXX years ago. I was never contacted about this account or the alleged delinquent payments until last week. 

Again I have no knowledge of this account.