23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> I was denied for a Home Equity Loan from XXXX XXXX despite being qualified. They said that I had put down a business purpose on the loan, which was not my intent, and now they are refusing to loan to me at all. 

I am a XXXX veteran and small business owner and this is discrimination
Product: Debt collection

I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with WELLS FARGO and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, copy of my credit report, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing a WELLS FARGO account on my credit report because it is not mine and I did not open it. WELLS FARGO has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. WELLS FARGO sent these letters on XX/XX/23. I have since started a second investigation with WELLS FARGO and the 3 credit bureaus. I advised WELLS FARGO that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which WELLS FARGO does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed WELLS FARGO and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised WELLS FARGO and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature, it should be removed. However, they continue to end the investigation in WELLS FARGO favor, even though they have not validated the debt with documentation bearing my signature.
Product: Credit reporting

In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, XXXX and Experian received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 and XX/XX/21 I have received a letter from disputes that I have made over fraudulent information concerning my consumer report over at TRANSUNION. I contacted TRANSUNION via phone about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX  and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit. They sent me back the investigation results however no true investigation was done. I am requesting a reinvestigation of this matter without the use of the XXXX system to verify the information on my consumer report that is pursuant to federal law and request evidence of that investigation pursuant to FCRA and the FDCPA.
Product: Mortgage

This is to inform you we have just got confirmation about two weeks ago from XXXX bank that there were some incorrect billing errors on the account that then transferred to you. While we are still exploring how to work this out best, I do now understand why there was a delay in continue the forbearance with you, and you reporting that appropriately. I will add, my only grievance, at this time with the information we have, is that it is disappointing to see you failed to report I qualified for mortgage assistance relief in XXXX, did not communicate with the payment portal, which caused for a delay once you transferred it again ... and you failed to report that I was approved for the payment to the new servicer. They can see in the notes they have from you the application was pending, but you also did not report to them the loan was in forbearance... again, just causing delays from non relayed information, that seems to be from carelessness rather than direct intent. If you have suggestions on how you would like to see the incorrect mortgage amount transferred to you, please let me know, otherwise I will be in touch once I get more information from HUD and a lawyer on how to proceed. Thank you.
Product: Payday loan, title loan, or personal loan

Kashable was withdrawing funds from payroll account on a bi-weekly basis. I signed a contract allowing Kashable to withdraw funds in the amount of the loan agreement of {$100.00} I did not authorize Kashable to withdraw the amount of {$100.00} I made several attempts to resolve the issue with Kashable. My concerns about my privacy and these unauthorized transactions have me feeling violate. I thought I could trust the company, Kashable, but evidently the records show how they operate business. They are scandalizing my credit score with falsified information. To settle this breach of contract on this day, XX/XX/2020, I am requesting that Kashable settle the remaining balance of : Loan ID : # XXXX {$2200.00} with XXXX amount ( {$0.00} ) owed from the borrower/myself, XXXX XXXX, and also remove anything that is pertaining to their company, Kashable, from all three credit bureaus. 
I have also attached the loan agreement and the documents of payment history that came directly from Kashable website ( kashable.com ) obtain by entering my username and password. I'm greatly looking forward to resolving these issues as soon as possible. I will conduct a follow up within the next 7-10 business days. 

XXXX XXXX
Product: Debt collection

XXXX to XXXX phone calls a day XXXX days a week
Product: Credit reporting, credit repair services, or other personal consumer reports

Well for the last few months I have been sending XXXX XXXX, Equifax, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXX bank account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account XXXX XXXX XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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

In accordance with the Fair Credit Reporting act 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.

I reported this account as Fraud to all 3 credit bureaus and Transunion is still reporting this fraudulent account on my report. 

The other bureaus deleted and blocked the account from reporting,
Product: Mortgage

I have been writing to you for the last 2 years and have filed my complaint about Rushmore Loan Mgm. Both have been futile. No one has done anything for the consumer.

I begged them and asked them to give me a relief. In 2006 I purchased my house for XXXX. I put a downpayment of XXXX. When I went to closing I owed them according to their records which I have not accepted I had to pay them XXXX!!!! 

For almost 14 years I paid all these loan sharks, yes I call them loan sharks ( XXXX, XXXX, XXXX and now Rushmore ) nearly XXXX and yet, I owe more than I did 14 years ago. ON what basis I am not sure? 

I asked them to explain everything but their explanation is zilch. They also charged me XXXX in arrears! I asked them to explain this or at least forgive the arrears. They refused. I settled with my second loan on this very property for XXXX. That means after all the costs involved which included taxes, fees, real estate fees, etc. I would come out with XXXX!!!! 

Rushmore and their partners or " investors '' whoever they are, rob people like me everyday. They do not care if I own or lose my house. Their motto is to protect their investors and their investors want to make 200 percent on their investment. 

This has been a trend and it will not go away until institutions and orgs like yours really start doing something about it. Why should banks and loan sharks make so much out of the misery of the citizens of this country when I personally tried to keep my house, pay my mortgage and try to own a brick in my house. 

Why don't you really do something. Because Rushmore and alike will continue fleecing people who have no rights and no power. 

Rushmore got XXXX out of me. And I am left with the pieces never being able to buy anything. I also wanted to get out of this horrible loan, yes a horrible loan. 

I will expose Rushmore in every way I can. The least they could have done would have been to forgive the so-called arrears. 

On top of it after they got all this money illegally ( yes illegally ) they sent me a letter asking for more! I guess they didn't get enough. 

XXXX XXXX
Product: Credit card or prepaid card

Capital One XXXX XXXX XXXX XXXX XXXX IL XXXX. When I got the credit card in XXXX I signed on for 23 % interest no annual fee on the internet. In XXXX they charged an annual fee of {$19.00}, I disputed that couldn't find my copy of the terms, until recently. Since I started paying and not using the card the interest rates it has increased 1.6 % every year since without notification.

I called and spoke to Capital One, XX/XX/XXXX customer service in XX/XX/XXXX because the interest rate rose to 27.65 %, she stated they would lower my interest rate on sales back to 23.15 % and it would stay at 27.15 % on sales for 6 months, I said ok. I received a letter around XX/XX/XXXX stating I agreed to a variable rate, which I never agreed too.

On that day she went to reading me about a variable rate and I was told if I didn't agree my interest rates would return to 26.65 % for all purchases. This has happen to several friends and family with credit cards. My credit score continue to rise, but these interest rates steady rise, is this legal? I never thought Capital One would do this, one thing I learned when applying for a Credit card never do it electronically I will stick to paper. I have uploaded statements from Capital One showing the rises in interest rates and I never was notified of the increases until they switched me to variable rate in XX/XX/XXXX by force.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 


FCRA section 605 ( a ) ( 5 ) generally prohibits the reporting of any adverse item of information... which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX XXXX reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for XXXX.
Product: Mortgage

I closed my loan and refinanced with this mortgage company 3 months ago, I still haven't received my signed documents. In addition the mortgage servicing company can not display my new loan information or provide me with an avenue to pay my mortgage online. Lastly I recently received a letter from my Home Insurance company stating my payment wasn't paid, even though I have been consistently paying my mortgage on time every month. When i called CMG 's customer service line they indicated the payment wasn't paid, and the number they had was different, but regardless they still didn't pay it on time.

When speaking to their customer service hotline I ended up speaking to 5 different people, because no one would take responsibility and kept transferring me to a different group, when asked to speak to a manager they put me back in the main queue where i had to do the prompts again to get back to the customer care group. Their service was VERY sub par and the fact that they aren't paying my insurance on time is frustrating. 

Refinanced mortgage on XX/XX/21 - as of today XX/XX/21 the online portal still shows loan paid in full from previous mortgage and no new information. 

Home Insurance was due XX/XX/21, at {$370.00} when speaking to their rep today they said the payment was set as {$350.00}, but indicated it wasn't paid. 

On XX/XX/21 I called asking " XXXX '' about when the portal will be available to pay online and review my documents. She said it would be ready by XX/XX/21 60 days from when my mortgage closed. As of today XX/XX/21 nothing has changed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that XXXX has submitted an XXXX XXXX XXXX ( XXXX  ) form with the reference number XXXX. The form states that there is no chargeback and no balance due as of XX/XX/2020. 

Given this update, I kindly request that this information be reflected in my credit report and that any erroneous entries associated with this matter be removed promptly.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, XXXX XXXX Dear XXXX I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Illinois, particularly under XXXX XXXX XXXX XXXX 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Illinois state law, including identity fraud statutes relevant to XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Specifically, Illinois law under the Identity Theft Enforcement and Restitution Act underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Illinois state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Illinois state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting

all XXXX credit agencies have me reported as deceased.do n't know how long it has been on my report.i recently applied for credit report and discovered why my cards are being canceled.i keep getting the run around.i want to know who, why, when and what information was reported and why it was n't verified with vital/records, social security administration, employment or insurance dept.this is a headache, lots of phone calls, writing letters/stamps, time consuming and getting them to understand after repeating the same thing over and over.my main complaint is why was n't it investigated before sending to credit bureau and who regulates procedures/policies for credit agencies to follow before entering information on citizens record,