23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went on mortgage forbearance when the pandemic first started due to loss of income from my small business. I was assured at that the time that the forbearance would not negatively affect my credit once I was ready to start loan repayment. I kept calling my mortgage company, Loan Depot throughout the initial forbearance and upon extension of the initial term to make sure that it wasn't going to hit my credit and find out when I should start the repayment process. 

As of XX/XX/XXXX, I was ready to start repayment and called in to request the repayment plan. I was told that deferment was possible and to call back on XXXX. 
Since then I called every other week or so to get an update on repayment status and each rep I spoke to kept mentioning that my application was in process and to to call back on the following week. I have documented all my call and persons I've spoken to since then. ( Pasted below ). 

I continued to call every other week since XXXX and the reps kept telling me that it's in underwriting. On the most recent call today, now XX/XX/XXXX I was told that deferment is no longer possible since it's been 18 months and that the only option is now a loan mod at a higher rate and a credit ding showing loan modification on credit. This was shocking news to me because I was told otherwise from the very beginning when I first took the forbearance and again upon extension and every single call I made through the repayment application process XX/XX/XXXX. I've essentially been put in a worse situation given the forced loan mod that I'd need to take at a higher rate, and loan mod ding. 

Call notes : XX/XX/XXXX th XXXX call in before XXXX Extension approved XXXX ID XXXX XXXX XXXX Request for extension : XXXX XXXX ID XX/XX/XXXX XXXX Number to resume payments : XXXX XXXX call in should have email spoke XX/XX/XXXX ID XXXX Name : XXXX XXXX Said that I don't make any payments until defferal is approved XX/XX/XXXX suspense account to be applied once deferred approval ( will not go to the past due amount ). 
ID XXXX XXXX XXXX Made payment of : {$1500.00} new payments confirmation : XXXX XX/XX/XXXX called XX/XX/XXXX XXXX XXXX no need to make payments yet no issues on credit. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ID XXXX XX/XX/XXXX XXXX XXXX XXXX ID XX/XX/XXXX XXXX XXXX XXXX still waiting XX/XX/XXXX - called and said still with underwriting XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX said I need to send family trust info in XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX c/b in 5 days ( XXXX transfer to tx XXXX ) XXXX : XXXX XX/XX/XXXX Maize XXXX updating title info XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX 
said c/b XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX says c/b tomorrow XX/XX/XXXX XXXX calls back saying titles are now ok but loan defferal no longer available only loan mod at higher rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report that were originally disputed with the company.
Product: Checking or savings account

I have made a complaint to close my account with, Bank of America and transfer the funds. But they closed it and I didn't receive any bankers check as they have Promised. 
Complaint reference # XXXX
Product: Checking or savings account

My contractor walked off the job so I sent a termination letter and issued a stop payment on a check for {$14000.00} on XXXX. 

The bank 's processed the check on XXXX, I called on XXXX, XXXX and XXXX and the bank said this appeared to be a " software bug '' which allowed the check to be processed and that I had followed the proper procedure. The bank then tried to issue a fraud affidavit which failed 30 days later.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Debt collection

XX/XX/2022 - I have disputed this " debt '' in writing, and over the phone with XXXX XXXX XXXX, with New Era Asset Management ( XXXX ). I have repeatedly asked him not to contact anyone other than myself, and he calls other family members leaving harassing voicemails on their phones. This is for a fraudulent payday loan company that I have never had any contact with, yet this person continues to harass me and my family.
Product: Credit reporting or other personal consumer reports

USC 1681s-2 deals with the responsibilities of furnishers information. The debt was written off as a profit loss which is a tax write-off. I demand a 1099c form from the following accounts XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX is XXXX but it is reporting as derogatory account. 
XXXX XXXX XXXX XXXX for XXXX. 

If the following company can not provide the 1099c, please remove accounts from XXXX and Experian Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to urgently address a persistent issue with Experian regarding inaccuracies in my credit report due to identity theft. I diligently followed all required steps, including filing a report with Identitytheft.gov in disputing to remove the fraud accounts. Experian insists on disputing the validity of my documents, despite the removal by other bureaus. Both XXXX and XXXX have already removed these accounts due to identified errors.
Product: Credit reporting or other personal consumer reports

In it's clearest form, the XXXX fraudulent XXXX XXXX accounts should be blocked or deleted from credit file. All data are presented in federal Trade Commission Identity Theft Report. The report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card application Fraud. HSBC has a help line but I have been on hold every day this week for 3 hours each day and I cant get anyone to answer the phone. XXXX XXXX XXXX. 

They must have 3 people working the phone for thousands of calls and they DONT CARE ABOUT THE CONSUMER. 

The issue is my credit report shows unused lines of credit for {$200000.00} opened by a criminal. 

Please help me. if it helps. I have some old friends that you work with from the FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account info Account name : XXXX XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Can you update my address and name on my profile.
Product: Debt collection

My Bottomline figure on my loan amounted owed is going up instead of down why? I am paying triple time and these folks are cashing in quicker then my Bottomline figure should be going down even quicker. That figure is going up. 
I seen well before I decided to step into these people offers something is a miss. 
First off this debtor stated they gain 200 % profit on that money. 
Second if this is allowed, why do you folks allow such practice? 
Finally, I will also suspect a change of hands in finance institutions as a form of power gain. 
This means my credit is out in the open for any type of predator/power grasp to push out to happen. 
This means you folks are not doing your job to protect the consumers and citizens of this country. 
You need to wake up to these groups on the move. I stepped into this so you can kick thier dirty thieving XXXX. 
Why should anyone need to complain to get action? Signing a contract does not have anything to do with fair business practices. 
NO WONDER THIS COUNTRY IS IN BANKRUPT MODE. YOU ALL NEED TO BE FIRED. 
Fix the problem XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services was alerted that I was out of the country due to illness and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XXXX of XXXX and XXXX of XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified Wells Fargo dealer services of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Product: Student loan

I submitted an XXXX XXXX XXXX XXXX XXXX XXXX  ) that was processed on XX/XX/XXXX, according to my email records. Within that email, it was stated that at latest, the XXXX application would be completely processed within four weeks. 

It is now XX/XX/XXXX and its obvious that Mohela, my student loan service provider and who oversees my loans through the Department of Education, has failed to process my XXXX application as my most recent W2 verifies my income. Unfortunately, a XXXX XXXX  monthly loan payment does not accurately reflect the information I submitted with my most recent tax return. 

I want this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX, and account # XXXX from 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 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 {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Credit card or prepaid card

I have reached out to Wells Fargo on several occasions each time I was denied a hardship application due to fact Wells Fargo refuses to provide consumer with written confirmation of their offer, then refuses to due business with any consumer that exercises their right to complaint with CFPB or seek class actions. 

I have made several attempts to seek financial assistance through Wells Fargo hardship program due to XXXX, each time during discussion if I raise any concerns or ask for written confirmation my call is transfer to their escalation department, I then placed on permeant hold, then call is disconnected and I have to repeated this process now going on ( 3 ) months. 

Wells Fargo is engaging in discriminatory business practices against XXXX XXXX selectively declining hardship application and telling consumer if we exercise our right to file complaint or seek legal assistance they will not refused to provide assistance. I spoke with a representative by the XXXX and XXXX XXXX XXXX refused to allow me to complete a financial hardship application, both threaten to terminate call if I filed a consumer complaint.
Product: Debt collection

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation
Product: Credit reporting

The rental company that I am renting from has filed numerous evictions against me because I pay my rent after the XXXX of every month with a late fee. These evictions are now showing up on my credit and background report. I am still currently in the residence and have never been evicted nor have we been to court for this. My rent would always be paid by the time papers were delivered to our house This is information is definitely incorrect. I would like for it to be removed immediately
Product: Checking or savings account

I received in the mail on, XX/XX/2023 ( it was post marked XX/XX/2023 ) a letter informing me that I have opted into overdraft protection however I have never had an account with Regions bank. I have not authorized anyone to open an account nor have I opened an account. I need this resolved please. I have never had this happened before and it is scaring me.
Product: Student loan

Request for Full Discharge of Student Loans Due to Misleading Information and Mismanagement Attn : I am writing to formally request the discharge of my student loans due to the misleading information I received regarding repayment options and the improper management of my loans. This request is based on the guidance I was provided, which has significantly harmed my financial situation. 

Throughout the course of my repayment, I was not fully informed of the income-driven repayment plans that would have offered more affordable payment options and allowed me to work toward loan forgiveness. Instead, I was misled into choosing forbearance and deferment, which caused my loan balance to increase significantly due to capitalized interest. This misinformation has put me under unnecessary financial strain and has compounded the amount I owe, far exceeding the original loan amount. 

Additionally, there have been discrepancies in how my payment status was reported to credit agencies, negatively affecting my credit score. These misrepresentations have delayed my ability to pursue better repayment strategies and contributed to the financial burden I now face. 

Furthermore, I have called your representatives numerous times over the years, seeking guidance and clarification. Unfortunately, each time I reached out, I received little to no help. I was often left without clear answers, prolonging my financial difficulties and leaving me in a state of confusion regarding my options. This lack of support has exacerbated my situation, and I believe it reflects a failure in your responsibility to properly assist borrowers like myself. 

Given the misleading and negligent handling of my loans, and the repeated lack
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian In reviewing my credit report from Experian, I found unauthorized addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX SC XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete
Product: Mortgage

I have been attempting for several years for my mortgage servicing company ( SPServicing ) to remove the private mortgage insurance from my loan. Several years ago they were provided an appraisal from a licensed appraiser that also showed the loan to current value below 80 %. I have also made sufficient extra payments to have the loan at 65 % of the original loan value and they still refuse to remove the PMI. Multiple attempts to correct this have been made in writing, to which SPServicing only responds with a form letter advising they are following company policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated and be provided with methods used to verify the account and names of individuals. As well as documents showing my signed consent/agreement. The inaccuracies are highly injurious to my credit score, and financial well-being. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.Please provide the names and business addresses of each individual with whom you verified the accounts so that I may follow up. Please send me an updated copy of my credit report after your investigation. 

This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist I've contacted these companies several times still nothing no response just continue to violate my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX