23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the reporting of my auto loan account [ Loan Account Number ] as reflected in my recent credit reports from the three major credit bureaus : Equifax, Experian, and TransUnion. 

Specifically, I believe there are XXXX critical errors that need to be addressed : XXXX. Incorrect Interest Rate : The interest rate on my auto loan is being reported incorrectly. According to my loan agreement, my interest rate should be [ correct interest rate ], but my credit reports reflect [ incorrect interest rate ]. Please review the loan agreement and correct this error. 
2. Inconsistent Information Across Credit Bureaus : I have noticed discrepancies in the way my auto loan information is reported to each of the credit bureaus. For instance, [ mention the differences, e.g., different balance amounts, incorrect payment history, etc. ]. This inconsistency is negatively impacting my credit score and needs to be corrected immediately. 

I have enclosed copies of my credit reports from all three bureaus, which highlight these errors, as well as a copy of my loan agreement for reference. I request that you investigate these inaccuracies and update your records to reflect the correct information. Additionally, I ask that you notify all three credit bureaus to ensure the correct information is reported to them. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified items listed below still report to my credit report after numerous written requests. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these items, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7900.00}.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY CREDIT PROFILE WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2
Product: Mortgage

I have qualified and been approved for a loan modification from PPH mortgage. I have made the 3 trial payments.

PHH is refusing to accept my signed agreement for what appears to be no reason, as I have already provided two notarized documents. PHH Must accept one of the documents that I have sent as I have done my legal obligation and have been fighting really hard get the documents over to them. I have been calling daily also to get updates.

I am attaching : 1. the first notarization that is the MOD agreemet legally signed and notarized with proof instructions, I have initialed all pages and signed on XX/XX/XXXX. I have sent this via mail to PPH as well as email and they confirmed that they have received it but they deny the signature stating that they need wet ink. however the original loans docs are also with docusign. 

XXXX. I did a second wet sign and have mailed it by XXXX but PPH refuses to acknowledge the order, I have attached the shipping label and the pictures of the document within, I have emailed this, they responded and said that is it not signed by all parties, however this is not accurate, I am the only owner of the house, the other party that needs to sign is PHH, there is noting I can do, only PHH can sign, but they are stating that its not signed by " all parties ''. 

They are literally blocking all my attempts to get them the document. This is abusive and deceptive, and all the proof is attached, and I wish to be made whole. 

I am attaching proof for mailing of both times, as I have paid for notarization twice and shipping twice to try to do everything possible for them to accept the doc. attaching proof of both mailings. 

the second mailing has a tracking number that is included in the attached file, this is to show that it was sent and to verify. PHH can no longer say that they didnt get the doc. It has been sent twice, once in docusign and once in wet ink. 

PHH has over XXXX recorded calls that relate to this case.
Product: Mortgage

Prior complaints that have been closed without sending to company for answers are : XXXX XXXX Also filing a complaint with the XXXX XXXX for the CFPB for deleting I wish to report and file complaints on employees XXXX in the XXXX XXXX IA XXXX XXXX XXXX XXXX Lead Escalations XXXX XXXX and XXXX XXXX Case Specialist for transacting with me as a mortgage customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I further wish to discredit the business practices of Wells Fargo that are continuously riddled with lack of integrity, underhanded, and deceitfulness that constantly subject them to investigations and fines - internally and externally - including fake account scandals, falsification of internal interviews, anti-money laundering, failure to pay imposed fines, lending practice violations, and the list goes on. 
Why should an institution like this be allowed to operate and why am I being held XXXX as their customer? No person in their right mind would ask a convicted XXXX  XXXX to baby sit for them and that is exactly what I am being subjected to as a customer by their refusal to allow my loan to be serviced by another company with scruples and integrity. They should not be ( https : //www.consumerfinance.gov/ ) Submit a complaint / Complaint filed PRODUCT OR SERVICE Mortgage TYPE Conventional home mortgage ISSUE Trouble during payment process CONCERNED ABOUT FORECLOSURE? 
No HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes MISSED PAYMENTS? 
No allowed to service any loans given the historical track record and treatment of customers and employees alike. 
I am amazed to find that once I filed previous complaints on this institution that to cover their XXXX they completed reviews all of my accounts, past and present, and started " finding '' money that was due to me, even so small as sending me a check to cover less than {$3.00} in overcharged interest, that was rounded up to {$5.00} as a courtesy, on a loan had been satisfied for over 15 years ... .why? STANDARD BUSINESSOPERATION PRACTICES OF WELLS FARGO ... HIDE EVERYTHING AND DO NOTHING UNTILCAUGHT AND THEN COVER OUR XXXX. Why in XXXX 's name is this institution allowed to operate on an ongoing basis? over $ XXXX in fines and violations in the past 22 years and over XXXX violations and convictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters on XX/XX/2023, from the postal office. Here is my receipt number : # XXXX. The purpose of the letter was to request an investigation and removal of fraudulent and incorrect accounts on my report. Initially, I had some hope, but unfortunately, nothing changed. This time, there are renewed dates with incorrect information and possible fraud, as well as a new address where I have never resided. This is a clear case of fraud and abuse of my rights. Attached, you will find the receipts along with the letter and additional proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please assist me in having these accounts removed. This not only affects my life but also my family 's. 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 account # XXXX XXXXXXXX XXXX account # XXXX XXXX. XXXX  account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX  account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.
Product: Credit card

To whom it XXXX concern, On XX/XX/year> I was charged the reoccurring membership fee for an American Express XXXX XXXX. After XXXX  years of membership I want to cancel. Sometime before the XXXX of XXXX I made a phone call requesting to cancel the membership and refund the card. I was advised the account would stay open until payment was complete. the call was abrupted ended before I could confirm something happened. I am a XXXX XXXX XXXX XXXX and was not able to make time to call back. I then made a call again on the XXXX, where the card was confirmed to be canceled and refunded, but again was cut off during my inquire. Another call was made on or about the XXXX to reconfirm this, to which I was disconnected. 
Finally, today I reached someone again. I was able to give the previous details due to XXXX XXXX XXXX call system. It did not however record my first call, or details of the XXXX. I called them today, XXXX XXXX to follow up. I was informed that the request was made but never followed through with on their end. My original complaint of the second call was that I was cut off and not able to address this in the first place. On todays call I was informed that I was out of their XXXX  day refund window by XXXX  day according to their info. 

I want a refund for my membership as this year it is too much of a financial burden. I did my due diligence attempting to address this issue, was unaware of this policy, and now am forced to retain a credit card through my membership fee being withheld. This does not seem ethical or fair, I would love some help.
Product: Debt collection

THIS HAS BEEN GOING ON SEVERAL MONTHS, MAYBE 2-3 YEARS BUT THE DEBT IS NOT BEING LOWERED BY PAYMENTS TAKEN FROM MY SOCIAL SECURITY CHECK. THIS HURTING ME CAUSING ME TO HAVE TO TAKE A JOB TO EAT. 
MY HUSBAND IS A XXXX XXXX XXXXXXXX VETERAN AND IS XXXX XXXX XXXX AND I AM XXXX XXXX XXXX. WE ARE BOTH IN POOR HEALTH.
Product: Credit card or prepaid card

On XX/XX/2019 I noticed my credit score dropped. Then noticed it was because XXXX credit card had decreased my limit by 3,000 dollars. I have very good credit and have never had a decrease in 27 years of having credit cards so this made no sense to me. I called them. They said it was due to inactivity and the only way to try to fix it was to request an increase which would be a hard inquiry which would make my credit score go down even more. I dont think this is right. Its penalizing consumers with good credit and reducing their credit score. I think its bad business practice and that is why I am filing this complaint.
Product: Mortgage

I was falling behind in my mortgage payment, I received a letter from Caliber Home Loans offering financial compensation for a Deed in Lieu Foreclosure in XX/XX/XXXX. I was hesitant at first because I did not want to lose my home. I received another offer from Caliber for less money that the first one and after reviewing my options, I accepted their second offer ( for less money ) in XX/XX/XXXX. I was told I had until XX/XX/XXXX to leave the property and hand over the keys to a local representative. They offered me an extra week if I needed to to turn in the keys, which I accepted. It was n't until I handed the keys over on XX/XX/XXXX that they told me that they would now have to " investigate '' my personal finances to see if I had other properties and I would have to wait 4-6 weeks. This information was not told to me at the beginning of the process but what could I do, the keys were already turned in. I would call Caliber at least once every week to check on status of the process with little results or information. On XX/XX/XXXX I received a letter form Caliber Home Loans stating that my application was being held up because records showed there was a junior lien on the home by the state of Arizona. After talking to the state tax department, they assured my that there was not a lien on the home. They did tell me that there was at one time a lien on the home for tax purposes back in XX/XX/XXXX but the lien was released once the back taxes were paid in full. According to the letter I recieved from Caliber, I had 30 days from the date of the letter ( XX/XX/XXXX ) to respond and clarify the problem holding up the process. On XX/XX/XXXX, I faxed the necessary paper work from the county recorders office stating that the lien was released in XX/XX/XXXX over to Caliber. Upon faxing the lien release, I called Caliber to verify that the fax was received, I was told that it was and that a manager would call me later that day. There was not any call from anyone from Caliber that day so I called back on XX/XX/XXXX and spoke with the manager about my matter. According to the manager, my application was to be denied even with the lien release being submitted to them way before the 30 days due to the fact that the property foreclosure date was scheduled to be the following Wednesday ( XX/XX/XXXX ). I feel that I did everything asked of me and followed all their directions in a timely manner and before the foreclosure date. There are multiple phone calls that were initiated by myself to see if there was anything that can be done on my side to try to avoid something like this. One of the representatives even advised me to get back the keys and try to negotiate a cash for keys instead of a Deed in Lieu. I feel I was just given the run a round this whole time and I let the manager know. I was told to by the manager to write an email to her boss to see if there is anything that they could do. I have lost faith in the system.
Product: Debt collection

IN REGARDS TO : RESURGENT CAPITAL SERVICES. XXXX XXXX XXXX XXXX, SC XXXX. I HAVE NOTIFIED THIS COMPANY THAT THE CREDIT CARD THROUGH XXXX XXXX XXXX WS OPENED FRAUDULENTLY AND THAT I HAVE NEVER HAD A CREDIT CARD WITH THEM. I SENT SEVERAL CERTIFIED LETTERS ASKING TO VALIDATATION AND DEBT VERIFICATION FOR MY RECORDS TO PROVE TO THE COMPANY THAT THIS ACCOUNT IS NOT MINES, AND I AM A VITICM OF IDENTITY THEFT AND ITS TAKING ME ALOT OF TIME AND MONEY TO GET THESE ITEM REMOVED FROM MY CREDIT REPORT. MY INFORMATION WAS STOLEN WHEN I WAS INVOLVED IN A TORNADO THAT SWEPT THROUGH XXXX TEXAS IN XX/XX/2015 AT THE TIME THAT'S WHERE I RESIDED THAT MADE IT ON THE NEWS AND I LOST EVERYTHING. I NEVER RECOVERED MY PURSE AND MY CAR WAS TOTALLED DUE THE DAMAGE. THE ADDRESS ASSOCIATED WITH THE ACCOUNT WHEN I ASKED THE REP WAS SOMEWHERE IN XXXX XXXX TEXAS AND I HAVE NEVER LIVED THERE.IM TRYING TO RESOLVE THIS MANNER IN THE BEST POSSIBLE WAY I CAN BUT I AM NOT RESPONSIBLE FOR THIS DEBT. SO ONE HAS BEEN USING MY INFORMATION TO OBTAIN CREDIT IN MY NAME AN ITS UNFORTUNATE FOR ME IM LEFT TO DEAL WITH THIS MADNESS.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX - XXXX {$2100.00} XXXX  - XXXX {$3400.00} Accounts : XXXX - XXXX {$0.00} XXXX XXXX  XXXX - XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Made many attempts since XX/XX/2021 to have outdated personal information updated and it still appears on current credit report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent several letters to XXXX and Experian stating that I did not owe XXXX or XXXX XXXX Hospital XXXX dollars. I disputed the debt and I requested that XXXX and Experian investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) XXXX gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX XXXX Hospital is closed down since XXXX XXXX ) XXXX does not Respect the Law
Product: Consumer Loan

Back in late  XXXX , early  XXXX  i spoke to the manager at the bank that financed my car and explained my situation. At that time i was in the process of starting a new job and made payment arrangements with the same manager. The payment arrangements were that i pay  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I had informed her that when i first get paid at my new job that i would not have a full paycheck to make the payments for  XXXX . Towards the end of  XXXX , i had a family emergency and that i could work, due to my family bereavement and emergency. And now they do not want to work out anything with as of now because the vehicle is in the process in being set up for repossession. Since I left my previous job in late  XXXX  of this year, i have obtain new employment with a different agency and obviously i can not afford to pay what i owe right now because i have not got paid yet with my new employer.