23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a VA Home Mortgage in XXXX through Wells Fargo National Association. In XXXX after my divorce, my ex-husband applied for a new VA home loan to take over the mortgage. Wells Fargo refuses to send me a copy of the closing documents we signed in XXXX with closing attorney XXXX XXXX. I have tried to get the closing documents from XXXX XXXX, but he stated, he does not have any copies of the closing documents. 

I have asked Wells Fargo to send me a copy of ALL of my loan documents, I need a copy of the original loan documents in XXXX and the closing documents I signed in XXXX. 

My loan documents were changed and altered after I signed them in XXXX. 

I have NEVER been released from the original loan. 

My ex-husband and I met a the closing attorneys office in XXXX to sign closing documents, but I recently learned, they never issued a new loan. Wells Fargo did an assumption instead, so why did we meet with the closing attorney?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX XXXX for years and my account has been reflecting that I am not paying my child support. I pay my XXXX XXXX directly at the XXXX XXXX  XXXX Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery.

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter.

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.
Product: Credit reporting or other personal consumer reports

I received a email ( one ) stating I was late paying on a capital one credit card. I never applied or used or owned a capital one credit card. I called customer service, lady stated that card was never activated. Assumed it was taken care of. I receive another late email months 4-5 later. I called spoke to a man who stated I dont see any of those notes on this account. I stated I want a hard copy bill or list of transactions on this so I can use my legal services at work to fight this. Never received anything, figured it was taken care of. Now Im trying to get a car loan. I have had perfect XXXX and over credit score that is now down to XXXX because of this capital one card. I have a mortgage thats my debt. I have paid everything car loans, credit cards, student loans on time in full. Why would I let {$2000.00} credit card ruin my credit? Ive disputed on all 3 credit reports. This is absolutely ridiculous. How can this be taken care of? Im a single full time working mother. I dont have time for this.
Product: Payday loan, title loan, or personal loan

I got a title loan in XXXX XXXX cash express ; in XXXX was quarantined due to XXXX & in middle of ice storm. They cant take pymts over the phone. They told me since Im out of state I can do XXXX bill pay but they have no corporate # so bill pay cant be done. You are asked to send money in name of cash express workers name which cost from $ XXXX {$16.00} per month : theyve been harrassing & threatening me since XXXX when I had XXXX and they cant take a debit pymt over the phone they wanted me to get out in spite of CDC warning nor could anyone make it to XXXX due to ice storm so they received pymt a little late due to it being mailed. I cant even find a legitimate business license for this company they have no corporate ID for bill money pymt and its unfair to send to just a workers name and make extra fees be of, ive asked the owner to call me ( XXXX ) and he said since Ive made complaints no one could speak to me, the harassment is getting out of hand they tried saying XXXX pymt was {$1.00} short when a worker gave me the amount at XXXX money Srvcs XXXX KY THE WORKER HEARD AMOUNT AND MONEY ORDER MADE AND SENT OUT now they say it was a new worker she erred and its my problem to fix. I live on a XXXX check. Have had 2 title loans in the past out of state o SC & they were paid off and easily paid with a legitimacy to the company. Something is wrong when a company cant provide you with a license # or corporate ID. I have proof of all pymts made. My original loan stated {$100.00} ... .since XXXX XXXX incident it goes up every month causing undue hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I filed bankruptcy, I experienced a financial hardship due to XXXX, I lost my dad ( a veteran ) due to XXXX, and I was fired from my job. I applied for a forebearance, and I have explained that I am currently experiencing financial difficulties, but I want to keep the home and I am requesting a lower payment. They sent me a refinance, which INCREASED the monthly payment, increased the interest rate, increased the amount owed to be HIGHER than the original amount purchased in XXXX, and started the loan over to a new 30 year mortgage! I REFUSED to and agree and I told them this was predatory lending!! 

They then stated they would do a " partial claim '' for {$31000.00} and HUD would put a lien on the home and I would owe a " balloon payment '' at the end or the current mortgage, or if I sell them home. XXXX delivered the modification papers on Saturday, XX/XX/XXXX and the interest rate has still changed to 5.5 % ( which is higher than the original 4.25 % ), and it says the loan is now 40 years to XXXX, instead of XXXX which should be remaining and my loan ends in XXXX! My last mortgage statement shows the balance is {$160.00}, XXXX but this paper work says the new balance will be {$210.00}, XXXX!! I do not understand how and/or why they are changing these figures, but it seems like a scam or rip off and they are taking advantage of people due to a Pandemic and financial situations that are out of anyone 's control!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I paid my XXXX Mortgage Payment on the XXXX of the Month, in the month that it was due. Its due on the XXXX. I went into the local branch to pay my payment, I included my late fee. I notified the teller of this information. Associated Bank Processed my payment on the XXXX of XXXX. They reported my payment late to the credit bureau. My account now shows delinquent on my credit report and suffered a XXXX point drop in my score. I paid my payment in the month it was due. This is inaccurate. Please help me resolve this issue. Thank You!
Product: Credit card or prepaid card

On XXXX/XXXX/2022, I called Citi XXXX XXXX XXXX XXXX XXXX Customer Service at XXXX. I did not want to pay {$99.00} for the next year membership and wanted to cancel my card account. A customer service representative told me if I pay the {$99.00} membership fee and spending {$1000.00} in 3 months, I can get XXXX mileage reward points of XXXX XXXX. I believed what he said and paid {$99.00} membership fee on XXXX/XXXX/2022. 

I spent more than {$1000.00} in 3 months since XXXX/XXXX/2022. On XXXX/XXXX/2022, I called the card Customer Service about my reward mileage points. I was total the reward mileage points are NOT XXXX. I can only get XXXX mileage points instead. I believe that the Citi XXXX XXXX XXXX XXXX XXXX Customer Service cheated me. This is business fraud!
Product: Credit reporting or other personal consumer reports

This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Identity theft and fraudulent activities XXXX XXXX ( XXXX ) XXXX this cfpb complaint has been filed to request pursuant to fcra 605b ( 15 U.S.C 1681c-2 ) that you TransUnion credit reporting agencys block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX XXXX XXXXXXXX with a balance of XXXX, another collection account opened at XXXX XXXX XXXX XXXX with a balance of XXXX, and an collection Account opened on XXXX from XXXX XXXX XXXX with a balance of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections. The aforementioned accounts, collections on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Debt collection

My  Homeowner Association for a  rental property in  XXXX   XXXX  changed  XXXX   XXXX . I had automatic payment for the  HOA f ee, but the automatic payment did not get set up with the new association resulting missed payment from  XXXX   XXXX  forward to present.     The association contacted a collections agency to collect the debt from me and sent a letter to me on  XXXX   XXXX ,  XXXX . I was not aware of this incident until this collection letter. The amount owed is {$400.00} and {$50.00} in late fees from the association for a total of {$450.00}. The collections company is asking for {$910.00}, when the amount I owe is {$450.00}.     This amount is grossly marked up. This is more than double than the original amount owed and is unfair and unreasonable.     From what I understand from t  he Fair Debt Collections Practice states they can not collect more than the amount owed.
Please help.
Product: Debt collection

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX  and XXXX reports immediately.
Product: Credit card

dispute is about Sears credit card who is owned by Citibank. Sears credit card # XXXX. Sears claims that I have not paid my bills for XXXX, XXXX, XXXX of 2015 of which carries a late fee and a processing fee for each month. I was XXXX informed of non-payment when I received harassing phone calls from sears/Citibank 's collection department. I received these calls starting XXXX XXXX, 2015. But, since XXXX 2015, I have not received any bills from them either by email or regular mail. I am more than willing to pay but I want the late fees removed because I never received their bills. They accused me of changing my email. I have the same email for over 15 years. They accused the postal service for non-delivery of mail. I 've been living at the same address for over 40 years. They informed me that the only way a late fee can be removed is by a manager 's OK. I asked them for a manager to call me to resolve the matter. The only person I was able to contact who is not a manager but who did absolutely nothing is XXXX XXXX at the Citibank 's Response Unit. No manager has ever called. To add insult to injury, I have a Citibank credit card ( unrelated to sears ) and I get email notifications and regular mail with no problem. I 'm just frustrated trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/ and XX/XX/. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Attn : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the lease. If they can not provide this, per FCRA they must remove this from my credit file. 

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

This is a complaint about the handling of the security breach that happened XXXX XXXX through XXXX XXXX. 

The only protection Equifax is offering at no charge is for one year. This needs to be extended to life. It also should be provided from an outside source not related to any credit reporting agency and paid for by Equifax. This is because Equifax has shown they can not be trusted to keep the data secure. 

Equifax should be investigated about this breach and made to explain the delay in notifying the public. They should also be investigated for insider trading.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I sent in a dispute on XX/XX/XXXX and did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns. 

I have outlined the disputed accounts in my previous correspondence with XXXX : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX : Account number XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX Account number : XXXX XXXX | XX/XX/XXXX : Inquiry XXXX XXXX ( Original XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) : Account number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ), AMOUNT {$1000.00}, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XXXX I made a purchase of {$3000.00} from XXXX with their store branded credit card. The purchase was of a sofa, a dresser and smaller decor items. I received the decor items on XXXX which had a combined value of {$62.00} less any taxes due. Being larger items, the sofa and dresser required a bulk shipping agent to deliver. Their total combined value was {$2300.00} less any taxes due. In addition to the {$2300.00} for the furniture, XXXX levied a {$410.00} shipping and handling fee for the use of the bulk shipping agent. In total, {$2700.00} is the pre tax amount charged on my store branded card. For the next 2 months, the bulk shipping agent would open delivery window dates for the furniture to arrive to my door. On 4 separate occasions I would select a date within their window, take a day off from work to prepare only for the shipper to cancel delivery. Over the course of two months I contacted XXXX XXXX separate times to have the issue resolved and each time they were XXXX helpful. Fed up, I contacted XXXX on XXXX and was able to escalate the issue far enough to where a representative, in writing, confirmed the cancellation of the remainder of my order and stated that a refund will be placed on my store branded credit card once the company received their shipment. This led me to file a transaction dispute with Synchrony Bank, XXXX XXXX XXXXXXXX XXXX for their store branded credit card, on XXXX. Since I have never taken ownership or possession of the furniture items, and the fact that XXXX, in writing, had agreed to cancel the shipment and issue a refund, I felt I had no obligation to continue making payments. On XXXX, Synchrony declined my dispute. I had it reopened on XXXX. It was declined a XXXX time on XXXX. I had it reopened on XXXX. It was just declined for a XXXX time on XXXX which has led me to the CFPB. How can I be responsible for paying on an item for which I have NEVER had possession of?