23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am constantly ignored for weeks by staff assigned to my home loan, I am update at best once a week on status of my loan, I am lied to by the loan offer on closing date an required paper and etc. I leave constant email, voicemails, and text messages and I never get any kind of replied only when I file a complain with customer service do I get a reply. I was yelled at by one of the loan team for filing complaints than she basically called me a liar. I am XXXX XXXX XXXX and I have to report to my new duty station on XX/XX/XXXX. Me and my family are homeless right now because the mortgage company told us they would close on the XXXX and than the XXXX of XXXX, and told use we be closed before our current lease was up so we where good to move but they lied and there for we are homeless right now. It is XXXX XX/XX/2020, we spent all our money waiting in a hotel for them to close cause they keep promising they will close that week than the next and the next and I'm still being ignored, lied to and insulted by this company I am about to lose the house I'm trying to buy because they do not do their part and constantly lie about need paper and the statues of the loan. I want some kind of responsible and respect and apology form them for this has uprooted me and my families life made us XX/XX/XXXX and all I get is lie and insults form them. There is absolute no respect for a customer or people who serve.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian. The account number is : XXXX and the company Is the XXXX XXXX XXXX because there was an incorrect amount of late payment on my report. I was recently notified that the CFPB was filing a lawsuit against Experian. They alleged that the company of accepting unreliable information and failure to notify consumer dispute results. This aligns witn my current situation! Experian has not attempted to remove or correct the information. I am requesting that the derogatory remark be removed or corrected immediately as it is affecting my chances of getting a house car and start a business. Experian violates my right as a consumer as well as federal laws.
Product: Credit card or prepaid card

I applied for a Best Buy credit card and was approved for a Citi Bank card and was not aware that there was a {$59.00} annual fee. When I received the card, XXXX weeks later, I activated it but did not use it. In XXXX I paid the {$29.00} minimum payment when I realized that there was a balance due to the annual fee. XX/XX/XXXX, I contacted them as I realized I was XXXX day late paying the bill and they reversed the late fee and told me if I paid {$31.00} it would pay the account in full. 
However, I just received notification that {$30.00} was due this month, XX/XX/XXXX. I contacted Citi Bank and spoke to the representative who said she would remove the late fee but I would need to call back to cancel the card because the system was under maintenance. 
When I called back and spoke to the manager, he said that he could not remove the late fee because I made the XX/XX/XXXX payment XXXX day late. 
I told him that the person I spoke to on XX/XX/XXXX had said that I only needed to pay the {$31.00} to make my account current and he had removed all other late fees. 
The manager was not willing to assist in any way and kept saying he would have to go back and review the notes from the XX/XX/XXXX call but I had made the payment late so the late fee would stand even though the representative had told me my account on XX/XX/XXXX was current and paid in full. 
He refused to remove the late fee and said I had to pay it or it would be reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan. 
XXXX Inquires on XXXX, XXXX XXXX on XXXX, XXXX inquires on Transunion. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform http : //www.experian.com. With all that being my credit score should be in the 800s. Minimally high 700s. 
XXXX XXXX XXXX  which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the http : //www.experian.com and XXXX platforms there is a section in http : //www.experian.com called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.
Product: Vehicle loan or lease

TD Auto Finance was contacted, in regards to a statement claiming a passed due amount. Td informed me that there was a payment missed and I have been charged a passed du amount for close to a year the amount as of the statement dated XX/XX/XXXX {$410.00}, the total payoff amount including the late fees was {$850.00}. 

I paid the amount of {$430.00} to agent id # XXXX ( confirmation number XXXX XXXX the agent told me this is the amount owed minus the late fees. I asked at that time to speak with a person who can assist me in handling the late fees. I was told that it has been noted in the account and a manager was contacted, and will contacting me promptly. 

I have made multiple attempts to contact a manager, XX/XX/XXXX ( manager notified and will call me back ), XX/XX/XXXX agent # XXXX ( manager notified and will call back ). XXXX ( manager notified and will call back ) I called a few more times which i did not keep record of, but every time was noted in my account on TD banks side. 

There has never been an attempt to be contacted by TD auto finance before XX/XX/XXXX, the date of the initial debt collection letter. 

The payment has been on auto pay since the initial payment XX/XX/XXXX. Supposedly 1 payment was missed and no 1 have over {$400.00} in late fees. I have not been contacted regarding late fees until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed had fraudulent accounts on my report, I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent XXXX XXXX account still reporting on my Equifax after XXXX XXXX took account out my name. Equifax is refusing to remove this fraud XXXX XXXX account from my credit.
Product: Debt collection

I am trying to get united credit and collection to validate this account belongs to me. I have no contract with this creditor and have not recieved paper work validating this is my accounts. I have no knowledge of this inaccurate account reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The fraudulent accounts are XXXX XXXX {$14000.00}, XXXX XXXX {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX account XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. Fraudulent Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian that they received onXX/XX/2023. They responded with an email ( attached ) datedXX/XX/2023. In the email, they allege that the dispute : " does not appear to have been sent directly by you or to be authorized by you. '' The email also said that : " As a precautionary measure, we have not taken any action on your alleged request. '' The dispute in fact came directly from me which is why in the dispute letter I included a copy of my Social Security Card and my current bank statement which is something only I would have access to. Experian is using this tactic to stall the process. Please enforce them to follow the law & investigate my dispute or delete the accounts if they can't do an honest investigation. I'm including a copy of the exact dispute I sent them so that the CFPB can see the tactics Experian uses to circumvent an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an Account by XXXX XXXX XXXX listed on my consumer report. I have never done business with this company. Company claims that I owe them money. I've sent my dispute requesting information proof of my debt owed to XXXX XXXX XXXX. The company sent me an unsigned unnotarized statement of charges owed to another company. XXXX XXXX XXXX included a partial copy of a lease contract to which they are not a party. Again, I have no knowledge of this company and I believe that this information belongs to somebody else and is mistakenly appearing on my consumer report. I have included a identity theft report herein.
Product: Checking or savings account

I have been trying in vain to get a refund back fro a wire transfer with BBVA Compass for several months to no avail. I have callled their Customer Service Numbers and Fraud Department several times, and every time say a month goes by with no response ... ..I contact them to see if there are any updates and the customer service agent has no idea who I am, can find the complaint/refund request or anything. Most of the time I am transferred to a customer service branch in another country who I can barely understand and vice versa. 

The wire was for {$38000.00} on XXXX XXXX, 2017 which is a HUGE amount for me and I have not been able to get this resolved in several months. It was not until yesterday that I just went to my local branch office in XXXX where the staff helped me out and filed a refund request on my behalf. The Branch manager ( XXXX XXXX ) kindly told me that the chances were not good to get a refund because of the time that had passed, but I have been trying to get the refund through writing the Corporate office and filing a complaint over the phone for several months. That was well within the time period for me to have gotten my refund by now. 

Please help me in this situation, this has caused tremendous stress to myself and my family and I just want it resolved. Thank you
Product: Debt collection

Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update of in the payment history. A charged off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account.Account Info Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

I have reviewed my credit report and found several charge-off accounts that I believe to be inaccurate or unverifiable
Product: Mortgage

In early XX/XX/2022, my loan was transferred to NewRez LLC from XXXX XXXX XXXX. I only received notice of the transfer. No welcome letter from NewRez or goodbye letter from XXXX XXXX XXXX. My first letter from NewRez was my mortgage statement on XX/XX/2022. 

Unfortunately, I have been trying to resolve this and your customer service department has not performed well. In late XX/XX/2022 I paid XXXX XXXX XXXX {$1200.00} for an appraisal of my property for PMI removal. I had this request processed in XX/XX/2022 and at that point my account was in flight from XXXX to NewRez. I have called on several occasions trying to get this and other technical issues resolved since then with no progress. 

The timeline is as follows : XX/XX/2022 : XXXX XXXX XXXX XXXX {$1200.00} along with {$9100.00} to principal balance to achieve target XXXX. 
XX/XX/2022 : Partial release approved and PMI removal in-progress after XXXX payoff XXXX 
XX/XX/2022 : Transferred to NewRez XX/XX/2022 : Calls customer service for update on PMI and also technical issues ( unable to login to portal or app ). Tickets logged as action from this call. 
XX/XX/2022 : Calls customer service again as I had not received any update to the PMI request or the technical issue. Additional tickets and internal complaint logged from this call. Had to send in the appraisal as customer service couldn't find the original appraisal from XXXX ( attached ). 
XX/XX/2022 : Received call regarding PMI. I explained the case with XXXX and she informed me she will continue to investigate the issue. 
XX/XX/2022 : Received direct message that I have to resubmit a request for PMI removal with another appraisal, which was already completed in XXXX ( attached ). Newrez 's letter states it is an additional minimum {$400.00} charge to redo work that was already ordered. 
XX/XX/2022 : Called customer service again to escalate PMI removal issue and was provided executive email contact information for escalation. 

To resolve the problem, I am requesting your help in getting PMI insurance removed from my account as I already went through all steps needed with XXXX XXXX XXXX
Product: Debt collection

indecome global services same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, ocwen, XXXX DEBET Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors XXXX and conspirators named indecomm global services, XXXX, OCWEN, XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, Gmac, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by indecomme global services prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure mill law XXXX Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX XXXX 's Motion to Dismiss in the case Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX, XXXX, et al., No. XXXX, XXXX XXXX ( XXXX., XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund XXXX to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
Product: Debt collection

I first disputed a debt collection online and asked for a method of verification on XX/XX/2019, I also asked for my personal information to be updated and for my innacurate and incorrect names and addresses to be removed. Experian immediately verified the debt without informing me of how it was verified or what documents it used to verify this account and made no changes to my name or address. I disputed this same collection again in writing and through certified mail on XX/XX/2019 and politely asked to be sent every and all information used to verify my debt such as a contract binding me to this collector or any sort of receipt verifying the dollar amount that they are alleging I owed them. I also provided them with a copy of my identification and proof of current address in order to update my innacurate personal information such as names and addresses. Experian verified my debt within 10 days and failed to provide me any documentation and also failed to update/delete my incorrect personal information.
Product: Student loan

I re-applied for my income based loan program and linked to the IRS. The link was successful. Now, my interest was capitalized and the program was not applied. I do not belive it is my responsibility to manage the technology of NelNet, and if the link didn't work, they should take steps to rectify. I will call them again, however, the customer service usually provides incorrect information. Last time, the reapplied my payment incorrectly, causing a " late '' payment and the loss of a .25 % interest rate reduction. This company is dishonest and is taking advantage of borrowers just trying to make ends meet and pay off student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognize your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pro Collect representative called my work cell phone. She explained that there is a debt owed to their Client ( XXXX XXXX  ) for {$600.00}. She asked if I knew or was notified about the debt. I said no, she then confirmed my address. She then demanded that the debt be paid immediately, or I would face consequences such a negative impact to my credit report. As I tried to explain that I will not pay any debt that I know nothing about, she spoke over me about the ramifications of my decision, and then said it would be be immediately reported to the Credit Bureaus. I told her that was a clear violation of the FCRA without validation of the debt, to which she responded that I should stop talking. She kept talking even when I repeatedly asked her for any opportunity to speak. I eventually hung up on her attempting to talk over me. I know nothing about this debt, there has been no attempt to collect other this phone call I received today. The original creditor has made no attempt to contact me about this debt, therefore all I have the voice of the loud and abusive Pro Collect representative..
Product: Credit reporting or other personal consumer reports

I'm trying to change something on my Experian profile. But when I try to log in to Experian, it keeps attempting to send a verification code to an old phone number. ( No option to send a verification code to my email, which has not changed. ) When I call into the toll-free number, it just goes through an endless loop of audio directions, with no option to speak to a live person. VERY frustrating. Worse yet, it asks if you want to sign-up for their Premium Service ( for a fee ), which would allow you to speak to a 'dedicated customer service representative '.

I XXXX  and found a number for their corporate offices in XXXX XXXX, CA. ( FYI, they have moved their corporate headquarters to XXXX, XXXX. ) I called out there and actually got through to a human being.

This is ridiculous and a way to coerce you to sign-up for their Premium Service . Not cool! Please get them to change their customer service policies. Thank you. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company to ask a correction on the lenght of credit history with the PC Richard Company. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with XXXX correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX report.