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

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

DISCOVER- Acct # XXXX Late payment XXXXPlease see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

Discover and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXXXXXX XXXX  Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXXFURNISHER REPORTING INACCURATE DATA AND XXXX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE XXXX XXXX  Acct # XXXX Account Opened XXXX XXXX-payment history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXXHow can the payment be marked 30 days with no data available for other months in XXXX?
Product: Mortgage

I received a call from Penny Loan Mac that I was past due on my mortgage payment in XXXX. Apparently, there was a payment notification change sent to my email address instead of my mailing address. I have yet to receive the payment change notification and its effective date. Apparently, some smart person at Penny Mac decided that customers that have mailing statement preferences should get electronic notifications relating to payment changes. Additionally, the company does not have controls in place to ensure that customers are opening emails or receiving these IMPORTANT notifications. 

ALL of my important statements/notifications are sent to MAILING ADDRESS NOT MY EMAIL so I can open them and take action. I now have 3 late charges and two past due payments. You wouldn't hesitate to start foreclosure proceedings due to the XXXX person who came up with this bright idea to send notifications vie email for customers that have mailing preference. 

I want this situation remediated asap and all 3 late charges refunded I want ALL payment notification sent to my mailing address like my statements I want a letter explaining what my balance is because I paid the difference and made the payment change immediately however your deceptive company decided to take my monies and apply them to late charges instead of my payment that is due putting me behind two payments when all of the payments were made. 

The CFPB should work with Penny Mac to find out how many other people have been affected and remediated. This is an unacceptable practice.
Product: Mortgage

Wells Fargo did a bait and switch for a low interest loan. It's an inquiry into our credit which will lower our credit rating and cause us to explain this to future lenders. 

Wells Fargo approached us for offering a loan on an upcoming purchase. They gave us rates over the phone for what we wanted to borrow, and sent us links to apply to it. The rep, XXXX XXXX from XXXX CA, told us in that conversation in midXXXX we'd be able to pay 2.625 % on a {$500000.00} loan for a purchase. It sounded terrific so we started the application to get that submitting our details of accounts and they ran our credit checks XXXX marks against us of course ). 

The pre-approval letter came through with a higher rate at 3.0 % which was confusing. We were reassured again that we will get lower rates and once we had a property to assign it to, then the exact details would match the purchase at the rate we expected, which was now 2.5 %. We were excited about the even better rate and found a place to apply our $ XXXX loan at an amazing 2.5 % rate. We get the purchase agreement in line with the seller and ask Wells Fargo for a pre-approval letter. That pre-approval letter never came. 

We followed up with our rep, XXXX XXXX, as to what the situation was. He now tells us after we gave Wells Fargo our bank statements, our tax returns, pay stubs, W2, etc. that we needed to transfer {>= $1,000,000} to Wells Fargo in order to get that rate. This was NEVER disclosed to us before. We never were told we'd have to transfer all our assets to Wells Fargo to get this loan rate. 
Next, XXXX XXXX tells us that he opened the account ( without our approval ) and can't give us the pre-approval letter we expected because of a so called computer glitch, but to " just get your real estate agent to talk to me ''. 

We have found better lenders but Wells Fargo has caused a blemish on our credit record and have not confirmed that they will close the inquiry to help repair the damage to our credit scores.
Product: Credit reporting or other personal consumer reports

I am sending to notify you that the following companies have made unauthorized inquiries into my credit report. The companies and the corresponding inquiry dates are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. All late payments should be remove from my credit report.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against The Bureaus , Inc. for committing identity theft. I have never given The Bureaus , Inc. any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with The Bureaus, Inc., and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving The Bureaus , Inc. any right to collect on this alleged debt. It is in my belief that The Bureaus , Inc. are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from The Bureaus , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If The Bureaus, Inc. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until The Bureaus, Inc. can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and The Bureaus , Inc. continues its collection efforts, I will file for litigation for actual damages caused and The Bureaus, Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report recently I noticed there are fraudulent accounts on my report. I would like these accounts removed as they are retraining me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXI DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Product: Debt collection

I've had my credit frozen with all 3 bureaus for over a year. Only unfroze last fall for a few days for an auto loan. Monitor my credit every month, and in XXXX noticed a collection from Southwest Credit Systems on behalf of XXXX XXXX. This is not my account. Talked with rep at Southwest and the address for the account is in XXXX, NC. I live, and have lived for 25 years, in XXXX, NC, and have never lived in XXXX. Not sure how my credit was even accessed with the freeze. Very much want the account taken off my credit to restore my near XXXX credit score.
Product: Debt collection

Dear Consumer Financial Protection Bureau : I was sued in small claims court by XXXX  XXXX and went to court on XX/XX/XXXX. The collection agency that took me to court was Atty. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX claimed I opened an account with them on XX/XX/XXXX and paid perfectly until XX/XX/XXXX. I filed bankruptcy in XXXX and all credit card accounts including XXXX XXXX was discharged in Chapter XXXX bankruptcy on XXXX of XXXX. There was no way that four months later after Chapter XXXX discharge XXXX XXXX nor would any other credit card company extend me any credit let alone a high balance of over {$7600.00}, which they stated I owed. I went and filed an identity theft report with The XXXX police department to have them investigate if anyone was using my identity because the Collection Agency insisted this was a new account opened and I know I did not do it. I presented all evidence in court and the Collection agency presented their evidence. The judge agreed with me that there was no evidence that this was a new account and the collection agency could not present a contract, any receipts or evidence of payments from me during the XXXX XXXX time period that I supposedly paid on the account. The judge dismissed the case and asked that the case be removed from the docket of the Court and all cost incurred be taxed against XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX removed the Collection Account from my credit report and XXXX XXXX closed the account and removed the negative account from my credit report.

The Problem I am having is with the Collection agency Portfolio Recovery, LLC. Without any notification or opportunity to present my information to dispute the validity of the debt, Portfolio Recovery has put this old collections account, which has run the statute of limitations, been ordered removed from my Credit Bureau report in court, back on my report showing the account opened in XX/XX/XXXX. I have written the three Credit Bureaus on several occasions asking that this account be removed. I have sent a copy of the Judges order and even asked how a Collection company can collect on an account that has been removed from my Credit Report by the original creditor, has inaccurate dates, be allowed to remain on my Credit Bureau files. I am repeatedly told by the Credit Bureaus, that the account has been verified. Please help me with this issue. It is causing me harm and disqualifying me from promotions on my job and all types of credit rejections all because this rogue company feels they can just take advantage of the consumer and violate the Fair Credit Reporting Act. I had never heard of Portfolio Recovery until they showed up on my Credit Bureau reports, which I went to court and did all I could to take care of.
Product: Mortgage

We had a XXXX XXXX XXXX XXXX XX/XX/XXXX. We reaffirmed the 1st mortgage ( XXXX XXXX  ) and included the 2nd mortgage ( US Bank ). Case # XXXX On XX/XX/XXXX we received a Notice of Foreclosure from Attorneys for US Bank The XXXX Case # XXXX - ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ). 

We have an attorney assisting : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH. XXXX T. ( XXXX ) XXXX EMAIL XXXX We have the ability to pay the balance of the 2nd mortgage ( approximately {$85000.00} ) and have attempted to ger a payoff from US Bank. This has been going on since XX/XX/XXXX We also have been approved for a cash out mortgage to pay the US Bank XXXX. We informed our Loan Officer, ( XXXX XXXX XXXX # XXXX ) of all of this before we made our application. He assured us he had discussed our situation with a US Bank underwriter and that there would be no problem. However, it became apparent he did not discuss our situation with and underwriter and we were told it was declined because US Bank had filed the foreclosure. 

XXXX  # XXXX We have had no success getting a contact to get this to a resolution. We have contacted the Consumer Loan Dept. They service the HELOCs, as well as loss mitigation. 

The contacts we have made will not supply a phone extension nor last name. 

We requested " Assistance '' and were given a link that required us to complete a Credit Application. We submitted this an 14 days later received a packet with a request to complete the application we had just completed. 

The bank has a full Residential Mortgage Application with an appraisal ( XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX ) - Mortgage Application # XXXX We were assigned a Case Manager, XXXX XXXX ( XXXX ext. XXXX ) on Friday XX/XX/XXXX ). We have called 4 to 5 times per day on Friday XX/XX/XXXX, Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. The case Manager has never answered and we are told that " anyone can assist us. '' None have been able to and eventually we are transferred to " Customer Service '' who then transfers us back to Loss Mitigation.
Product: Debt collection

To Whom It May Concern, This letter serves as formal notice that your actions and/or conduct, as described below, are unlawful and infringe upon my rights. Unless these actions cease immediately, I will have no choice but to pursue all available legal remedies. 

Description of Violation : [ Provide a detailed description of the conduct or actions that are causing harm or infringing upon your rights. Be clear and specifice.g., unauthorized use of intellectual property, harassment, defamation, breach of contract, etc. ] Demand : I demand that you immediately : 1. Cease all actions described above.

2. Refrain from any future conduct that infringes upon my rights or violates applicable laws.

Legal Grounds : [ Briefly state the legal basis for your claim, e.g., citing copyright law, harassment statutes, defamation laws, or breach of contract terms. ] Consequences for Noncompliance : Should you fail to comply with this demand within [ insert deadline, e.g., 10 days of receipt of this letter ], I will have no alternative but to pursue legal remedies, including but not limited to filing a lawsuit, seeking injunctive relief, and pursuing monetary damages. Please note that this letter may be presented as evidence in such proceedings.

Reservation of Rights : All rights, remedies, and claims are reserved, and this letter should not be construed as a waiver of any legal or equitable rights available to me.

Acknowledgment of Receipt : To avoid further legal action, I request written confirmation within [ insert deadline ] that you have received and are complying with this cease-and-desist letter.

If you have any questions or believe this notice has been sent in error, you may contact me at the information provided above. 

Sincerely, XXXX XXXX This template covers general situations and is not legal advice. If youre dealing with a complex matter, consult an attorney to ensure the letter adheres to your specific legal needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am authorizing this complaint on my behalf. I can't believe you guys are taking advantage of me. I AM VERY UPSET, the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax. Mortgage was showing the last four years all payments were 120+ days late which dropped my score over 50 points. The error was corrected in the fact that the payment history was changed back to what it should be. Equifax refuses to give me the points back on me credit score. I have spoken to an agent and they told me basically it's not their problem and they won't give me the points back on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a phone call from this company about reducing my debt and improving my credit score. I was told, verbally, that they would verify my debt with all my credit cards and other creditors. they also told me not to pay anything to any company and ot keep a list of any creditors that called me. I electronically signed an agreement with this company on XX/XX/2023. They were going to charge me XXXX a month, for the first three months, then XXXX a month for the remaining 21 months of the agreement. However, once my husband read through the entire agreement, it was only to verify my debt through third party collection agencies. None of my debts are currently in collections, and therefore there is nothing to dispute. My husband tried to call on numerous occasions to cancel, and each time the phone was busy and he was then disconnected. They charged my debit card XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The only communication I received from them was on XX/XX/XXXX, when I I received a call that they were having a problem processing my payment. My husband spoke to one of the agents, named XXXX, and told him the payment was debited to his account on XX/XX/XXXX. We inquired exactly what they had done for us so far, and we never got an answer. My husband told them we wanted to cancel, they switched us to another person, who put us on hold. After a long hold we were told someone would call us back at XXXX XXXX. I missed that call, and when I called back a few minutes later, I was put on a long hold and disconnected. Now today, after telling them we wanted to cancel, my debit card was charged another XXXX. I tried calling, and nobody responds to my calls or the email I sent to cancel. They told us one thing on the phone when we started this. This company is promising services that they do not provide, and hopefully they can be fined out of existence so nobody else gets ripped off
Product: Credit card

Out of the blue on XX/XX/2024, I received a credit card statement from Synchrony Bank referencing a Paypal Credit Account in my name and that a payment was due. The charges were {$1000.00} and {$1400.00}. I immediately called the company and filed a complaint that I never requested an account in my name, I requested proof of where I actually requested the account, I requested proof of how they " authenticated '' me as the person actually requesting and/or opening the account and proof of where I signed or authorized charges on this account. The only thing they have done is confirmed that this account was fraudulently opened. However, it is clear that there account opening procedures are not adequate ' including there failure to authenticate applicants, failure to obtain legitimate proof and identity of who they are doing business with and proof of who is actually making charges/purchases on the accounts they open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records.

2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile.

3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account. 

4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.
Product: Mortgage

Had a mortgage and refinanced with Bank of America they used the wrong tax ID number and legal description which I did not know they had done. then I filed a chapter XXXX to which they hid the error remitted the corrupted mortgage documents to FHA XXXXand the loan has a retired tax ID and legal description. I tried to get them to correct as they have both the houses which is lot one and lot XXXX using the old legal description and tax ID number. they lied claimed they were correcting the error instead was trying to sell the loan to Nationstar mortgage who told me they refused to buy it because of the corrupt documents. they stiffed FHA FHA has an insured mortgage with no property -- actually no Tax ID or legal description with XXXX housesI sent all the information to OCC which they claim they remitted to you I can recopy all the documents and send them