23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I fell behind on the payment because I simply forgot about the loan. Didnt receive notification that the company stated that they sent me. I ended up getting a summons to go to court. I contacted the company and made payment arrangements and was told the court date would be cancelled. This was on XX/XX/2018. I payed {$500.00} and told the manager that I would pay {$400.00} in 2 weeks time. She said that was fine. In less than 2 weeks I made that payment and was told the court date was cancelled. 3 months later I find out that they had not cancelled the court date after all and the agreed amount payment of {$1300.00} keeps changing. To pay this off I ended up paying a total of {$1800.00} which was {$500.00} more than I agreed to pay. I requested several times for a list of fees and what was I was being charged for or a copy of the judgement against me and was declined everytime. I was hung up on twice after asking what I was being charged for. I just finally paid this because I didnt want any more interest to acrue, but I think I was scammed.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX 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

XXXX XXXX score has not changed and it is much lower than XXXX, XXXX and XXXX. Navy Federal has not been able to answer my questions. They continue to deny me expect for an auto loan. Something is wrong with the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;
Product: Credit reporting or other personal consumer reports

15 USC 1692 cc is a section of the United States Code that outlines the rules for debt collectors. The section states that, except as provided in section 1692b, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector1. The purpose of this subchapter is to eliminate abusive debt collection practices by debt collectors and to promote consistent State action to protect consumers against debt collection abusesXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX If a consumer notifies to a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Also if the consumer has requested all communication be stopped the debt collector must stop communication. Reporting to my consumer report is still communicating.
Product: Mortgage

Recently we opted to turn in the keys to a home in North Carolina because we could no longer afford the home. Things were moving along and we have gotten everything out of the home and sent a letter to have Wells Fargo take over the home. We received an email stating there was a problem with the title being recorded in another county different from where thee home is located. Then we received an email stating that there was a document from the closing that had not been signed. We then learned we now have to sign all the documents from the initial settlement which was in XX/XX/XXXX. Then we were told the document were fromXX/XX/XXXX. This is all strange because inXX/XX/XXXX we requested a second mortgage for {$50000.00} what we got instead was a Home Equity Loan for {$120000.00}. When we learned of the mistake we wrote letters and complained that this was not what we wanted. Because of the HELOC we were stuck paying fees and interested when in fact if we had gotten the second mortgage in XX/XX/XXXX and our first mortgage was left as it was we would have paid off both loans by now. To now be told we need to sign " ALL ' documents from first this company it set out many red flags. 

We want the process to be over, however signing documents from over 10 years ago is cause to be alarmed. We are questing if the initial request for the second mortgage was a bate and switch. Therefore we want an investigation into this situation. 

Spoke to XXXX XXXX at Wells Fargo Headquarter his number is XXXX ex. XXXX And XXXX XXXX Wells Fargo Home Mortgage Default Servicing - Default Decisioning HL Liquidations XXXX XXXX Wells Fargo Home Mortgage - Liquidations WO and XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, IA XXXX XXXX XXXX XXXX ext # XXXX
Product: Debt collection

On XX/XX/20, I paid all outstanding medical debts by phone to Healthcare Collections Inc. I  was offered a cash discount ( I did not ask for this ) and accepted it. I was given a confirmation number : XXXX. I was told that the items would be removed from my credit report XX/XX/20. On XX/XX/20, HCI reported the cash discount as an outstanding debt AND as a late payment. I spoke with them again today, and was informed that I paid it off at the wrong time - that they require two weeks to charge off the discount THEY offered, and that the fraudulent item they have reported to XXXX  will be removed XX/XX/20. When I stated that I was trying to buy a house and this fraudulent item was affecting that, the collection agent said " Well, that's the way it goes. '' When I informed him that I would be filing a complaint with CFPB, he hung up on me. I have disputed the item with XXXX, however, HCI 's bad-faith game-playing with my credit report is damaging to me personally, and I have no doubt that others are being damaged similarly.
Product: Debt collection

I am unaware of this debt from CNAC in the amount of {$9700.00} on XX/XX/XXXX. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report immediately. I sent a letter to CNAC via certified mail. It was delivered on XX/XX/XXXX and I received no response. You have violated my rights by not responding to my request to give me the option to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported on Equifax that I owe {$420.00} which is incorrect I Called XXXX XXXX XXXX XXXX  showed proof that I had video recording of me dropping the dropbox off XXXX XXXX company telephone number They change the price from XXXX to XXXX which I do have proof of I also pay them every single XXXX of {$190.00} I have my proof of receipt from the company by email They did say theyre reporting this to the credit bureau to have taken off But I reached out to have this taken off which Equifax credit plays said they would investigate and do so and they failed to do so Every time I try to get in contact with them they will not respond This is hurting my credit for unjustified reporting fraudulent report Keeping incorrect information on my account is hurtful I have proof if Im able to upload I would like to show everything please
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX  and XXXX but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
Product: Mortgage

The owner is deceased. All documents have been submitted from the XXXX  Court. This house is a part of an Estate. Ocwen Loan Servicing, first asked for a loan Modification application, we did it, and then they came back and asked for an Assumption  package we did it, Family Transfer package we did it. We sent information concerning the administrators we did it. The person taking responsibility for the loan is the grandson everything was verified by Ocwen.They requested a new Deed with the grandson as the new owner we did it.On XX/XX/XXXX, the new request of Applicant Information Form and the Owner Occupancy Certification was submitted. Then in XX/XX/XXXX the loan was transferred to PHH.

All of these applications and proofs submitted was not accepted or acknowledged by PHH even though PHH is an Ocwen Company.

The person that we worked with was at XXXX XXXX ext. XXXX ( Ocwen ) With PHH, it took 3 months to just talk to some concerning the account and had to call back multiple times and still got no information, but they would put a sale date on a property that complete all of the requirements.We tried to send proofs of all the documents submitted they refused. We completed the new loan modification for PHH they said we did not need too. Yet they have a sale date for XX/XX/XXXX. 
The whole month of XXXX starting XX/XX/XXXX. Each time we called we rece3ived another story after being put on hold for at least 10 times if they transfer you to the right department.We spoke to XXXX XXXX Qualifying Assumptions, then each time we called they told us that the case was esculated, we spoke to ID XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX on XX/XX/XXXX and this person said that there were no esculation and nothing was being done to stop the sale Ocwen though everything was done before the transfer. We called back and each time we were transferred they hung up on us. We had scheduled appointments they never called and the assigned representative could not be reached.

We never received a notice of sale from Ocwen or their attorney we found out though a person coming to see the house and from calling PHH.
Product: Checking or savings account

I had unauthorized debits made when my card was stolen I made a police report and talked to capital one 360 and they gave me XXXX dollars for a pay they didn't even make the payment but debit me and they got my balance at - {$620.00} on my personal account and now they never gave the XXXX $ back to my joint account witch is for me and my wife please help me out! I just would like my money back I been loyal to capital one 360 for 2 years straight I'm very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for years asking XXXX and Equifax to delete erroneous and incorrect account information off of my credit report. Currently a company called XXXX XXXX is sitting on my credit report without a account number XXXX XXXX and XXXX XXXX that doesn't even have account numbers are all a part of my identity theft. They have stalled and stalled and ignored my request to delete. I have sent to them multiple times my drivers license and the Atlanta Police Report and Federal Trade Commission Affidavit only to have no actions taken. My information was stolen and used and I demand deletion of the incorrect reporting information. My creditworthiness is important to me. 

What XXXX and Equifax always does is send communication back saying they can't locate the information that I am requesting stalling and stalling until I give up. 

XXXX and Equifax has failed to follow fair credit reporting and ignored my identity theft. 

Shows XXXX XXXX open XX/XX/2015 which is past the Georgia statue of limitations reporting. Please Delete as per XXXX has the same error reporting twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX TransUnion XXXX XXXX XXXX XXXX , IL XXXX ( or ) XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX File Number : XXXX Pin Number : XXXX Dear TransUnion, XXXX, XXXX, and XXXX XXXX XXXX/ XXXX XXXX XXXX , I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX/ XXXX XXXX XXXX, with file number XXXX and an alleged amount owed balance of {$260.00}. I want to inform you that I have never conducted any business with XXXX XXXX XXXX, and receiving this information in the mail is extremely concerning. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It is important to note that this account is only reported on XXXX and not on TransUnion or XXXX, which raises a significant discrepancy between the credit bureaus. This inaccurate reporting is adversely impacting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

The Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when you receive notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. It is your responsibility to cease providing inaccurate information to any CRAs and to ensure that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I have attached documentation below that clearly shows my insurance provider during the period of XX/XX/XXXX. It is perplexing why there would be two car insurance policies associated with my name. Furthermore, I believe that the furnisher of this information, XXXX XXXX XXXX/ XXXX XXXX XXXX , as well as XXXX as the credit bureau , are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

American Express damaged my credit by XXXX points secondary no negative action on my part.All they have done to date is return fees assessed improperly due to their error. 
They did not properly assess my appeal and failed to return my credit levels to their original unlimited status. 
These actions damaged me by causing a loss of between XXXX an XXXX credit rating points. { depending upon the credit reporting agency } Additionally, a clerical error by customer service in adding my physical address resulted in the closure of my checking account and denial of reopening a personal or starting a business checking account due to their damage to my credit rating which brought my rating from XXXX - XXXX. 
This is the final complaint that I will lodge as an exhaustion of avenues before suing American Express banking if my credit rating is not restored to its pre damage levels. 
Doing business with them for XXXX years and am currently looking
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Complaint Against Experian 's Noncompliance with Final RulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Experian has refused to block the items in my credit report that are directly linked to human trafficking. Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of XXXX trafficking, in accordance with the XXXX XXXX. I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/19 I had several unauthorized transactions to happen on my account. I immediately called sofi and made them aware of what was going on. I was emailed a letter saying that they had begun an investigation and that my account would be credited it 10 days if they hadn't completed the investigation. That was apparently in to me rather that the situation at hand. They went on the next day saying they where. Closing my account dye ro a policy violation. When I ask for explanation np. Was provided. On the XXXX business day I called in and inquired about what was the hold up on my credit and almost instantly they denied my dispute without explanation. I even contacted the merchant where this happened who let me k ow the never contacted him for anything So much for their investigation.
Product: Credit card

I made a new account and I been waiting on them to tell me or verify I cant get another card it always giving me an area when I try
Product: Debt collection

I've gotten several calls now from a company called Sequium.

Sequium has several times now called my business phone number ( I own my own company, XXXX XXXX ) with an automated recording saying I owe a debt to be collected, does not describe or name the debt, and when I try to follow their menu through to a real representative, it says " searching for your account information '' and then the line disconnects. It has also called and the automated recording calls me by another business name, ( mixed up the phone numbers somehow? ). Again, I could not reach a real person. 

The calls are harassing. I've received multiple just today and I owe no such debts.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding several errors and inaccuracies I have identified on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and Experian has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) by : -Reinserting fraudulent accounts that were previously removed without notifying me.

-Refusing to permanently block identity theft accounts, instead subjecting them to continuous investigations.

-Failing to remove new fraudulent accounts, despite receiving all required identity theft documentation.

I first reported identity theft XX/XX/2024 and provided : FTC Identity Theft Report, Police Report, and Written Fraud Statement, amd over 4 hours of telephone calls with their fraud department. Despite this, Experian has conducted 13 separate investigations since XX/XX/2024, violating FCRA 605B, which requires fraudulent accounts to be blocked immediately. Some fraudulent accounts were deleted and later reinserted without notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
I have also received threatening scam calls from an individual claiming to have access to my personal data, proving this fraud is ongoing.
Product: Mortgage

Ditech.com misapplied a payment of mine months ago ( XXXX ) and has failed to fix it. I have called them multiple times, and they have continued to promise that they are " researching the problem ''. However, they continue to send me collection notices and threatening letters, even though they have admitted that they see where the misapplied payment occurred. 

This has gone on for more than 60 days, and I have been unable to get anything more out of them than " we've escalated it to the VP of our department ''. 

Meanwhile, they are sending me letters that sound more and more like they are trying to take legal action against me, even though this is not my error. 

I'm concerned now that they are reporting this to my credit, but they are " unable to confirm '' that as well.