23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My loan installment is $ XXXX/month. 
Loan taken out in XXXXXX/XX/XXXXpayment due in XXXX. 

On XX/XX/XXXX, I called customer service and made a payment of {$1100.00} to cover my XXXX, XXXX, and XXXX payments. 

On XX/XX/XXXX, I called customer service and made a payment of {$740.00} to cover my XXXX and XXXX payments. 

On XX/XX/XXXX, I called customer service and made a payment of {$740.00} to cover my XXXX and XXXX payments. 

Today, they say one month 's portion of the XXXX payment was applied to principal, so I am past due one payment. They will open an investigation, and may, or may not, credit my account for making 7 timely payments. 

I would add that, # 1, this company has changed over to new software in XXXX of this year, and really has very little information concerning account activity prior to that time. And # 2, when i called in XXXX, they certainly did not tell me my account was past due. 

Now, they insist you can not pay your account ahead and there is nothing they can do? I do n't have an extra {$370.00} to send them simply because they are incompetant? This will adversely affect my credit score, which i was trying to repair with this loan, It is very unfair.
Product: Credit reporting or other personal consumer reports

Fourth Notice to Equifax Equifax , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX  ( Case No. XXXX ) Demand for Immediate Removal of Unauthorized Accounts Due ; Equifaxs Data Breach Theft My file keeps showing FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, Equifax has failed to take appropriate corrective action. Equifax continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand that Equifax immediately remove the fraudulent accounts from my credit report. This situation has been exacerbated by data security breaches involving Equifax Data Breach ( XXXX XXXX. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX. XXXX XXXX $ XXXX XXXX. XXXX, XXXX  Equifax have continue to fail at conducting a timely and meaningful investigation, as mandated under XXXX5 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax and XXXX XXXX XXXX XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. Equifax violations of the law and their actions, or lack thereof, constitute the following : Failure to Investigate : Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reinvestigation of disputed information within 30 days of receipt. Equifax has failed to meet this obligation in my case ; Negligence in Reporting : Under 15 U.S.C. 1681e ( b ), you are obligated to ensure that all reported information is accurate and up to date. Your continued reporting of unauthorized accounts fails this standard ; Failure to Provide Notice : Under 15 U.S.C. 1681i ( a ) ( 6 ), Equifax must provide the consumer with a written notice of the results of its investigation. To date, I have not received adequate notice regarding my disputes. 
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions
Product: Credit reporting or other personal consumer reports

Opened Experian account XX/XX/year> after receiving multiple pieces of mail of someone trying to open credit cards in my name. Froze credit. 
XX/XX/year> My Experian account was hacked, e-mail changed, phone number changed, and password changed. Experian XXXX XXXX account was opened in my name. 
XX/XX/year> I called Experian and reported that my account was hacked, faxed proof of my identity. Never received phone call advising anything was missing. 
XX/XX/year> Canceled Experian XXXX XXXX account. 
XX/XX/year> Called Experian to follow up advised missing utility bill. Faxed license, SS card, and utility bill with requested information. 
XX/XX/year> Called Experian unable to reach anyone by phone. Unable to unlock account as information still had hackers information. E-mailed Membership support requesting assistance and update. 
XX/XX/year> Experian Membership support advised information was not received. Re-faxed everything, unable to upload through portal. 
I am still receiving letters that someone is trying to open accounts and credit cards in my name. Experian is the only company that I have had trouble with resolving issue.
Product: Debt collection

On XX/XX/XXXX, Friedman , Framme & Thrush , P.A . garnished my wages ( {$550.00} ) stating that I was not compliant with a set payment arrangement. Per conversation with an attorney at the firm, I missed a payment from XX/XX/XXXX. As of current date, I had not received any correspondences from the firm and continued to make all payments timely as agreed in the original settlement. In addition, I provided proof of payment. A writ of garnishment should have never been requested/issued on XX/XX/XXXX. The communication between both the attorney and the legal firm has been subpar suggesting that after contact my employer to reverse the garnishment although my employer was within legal rights to execute the garnishment.
Product: Credit reporting or other personal consumer reports

I have a charge off that is not mine I have uploaded all asked for documents including my drivers license social police report everything! The will not take it off my report even though I have provided proof! I have the right for everything in my report to be 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I, hereby declare under penalty of perjury that I am the victim of identity theft. In Match, 2023, I discovered that someone had obtained my personal information without my authorization and used it to apply for credit, resulting in the following inquiries on my credit report : I did not initiate or authorize these credit inquiries, and I believe they are the result of fraudulent activity committed by the identity thief. I am submitting this identity theft affidavit to request that the credit reporting agencies remove these inquiries from my credit report, as they are not a true reflection of my credit history. 

Additionally, I am disputing negative marks regarding open credit accounts that were reported on my credit report by XXXX, XXXX, and XXXX. I believe that this information should not have been included on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ).

As you are aware, this provision excludes from the definition of a consumer report any report that contains information solely as to transactions or experiences between the consumer and the person making the report. In my case, the negative mark that was reported relates solely to a transaction or experience between me and the creditor, and therefore should not have been included on my credit report. 

With the exception of XXXX XXXX XXXX, which should be deleted in its entirety due to identity theft, I also want to bring to your attention that the balances being reported on the other open credit card accounts are in fact, XXXX ( {$0.00} ) and should be marked Paid As Agreed, and are under dispute under the Truth in Lending Act ( TILA ), specifically under 15 U.S. Code 1640 ( a ) ( 1 ) and 12 C.F.R. 1026.38.

Under these provisions, I have the right to dispute any billing errors or unauthorized charges that may have been applied to my account and those accounts should accurately reflect my true account status until the disputes are settled, to the satisfaction of the consumer. I have already initiated the dispute process with the creditor, and have provided all relevant documentation to support my claim. 

Given the facts presented above, I am requesting that you remove the negative mark from my credit report as soon as possible. As the negative mark was included in error, I trust that you will take prompt action to correct this mistake and ensure that it does not happen again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$140.00} debt being reported by XXXX XXXX XXXX now the collection company XXXX XXXX On my credit report that is incorrect. The overdue balance is for XXXX and I have not had an XXXX  account or phone for at least 8-10 years. The account, I assume, belong to my now deceased husband from whom I was separated from XXXX forward. I had notified XXXX XXXX XXXX back 8 to 10 years ago on a few different instances that I no longer had a phone number associated with them or a phone and to remove me from the account and they told me each instance that they would. Since his death Ive been harassed by XXXX calls On numerous occasions, too numerous to list and I have explained the situation each time to no avail. I also contacted XXXX XXXX XXXX and was told that I would need to speak to the collection company. I disputed the charge on my credit report and the XXXX XXXX investigation found the information to be accurate thus it was not removed.
Product: Payday loan, title loan, personal loan, or advance loan

I was advised by XXXX XXXX ( recommended by the scammer XXXX XXXX, aka XXXX XXXX XXXX XXXX XXXX see attachment ) to obtain a LightStream loan to fund an investment opportunity presented by XXXX XXXX. I was informed that this loan would provide easy cash access for a business venture promising passive income opportunities. Based on their advice, I applied for and received the loan from LightStream. 

However, I later discovered that the investment was a scam orchestrated by XXXX XXXX. I provided detailed information and evidence of the fraudulent scheme to LightStream, but they did not honor my dispute. As a result, I have not paid the loan. 

I submitted the LightStream loan funds of {$50000.00} to XXXX XXXX of XXXX XXXX for investment services on XX/XX/year> ( please see bank wire transfer statement ). On XX/XX/year>, XXXX XXXX ( aka XXXX XXXX ) posted on his XXXX page ( XXXX XXXXXXXX ) that he purchased a red XXXX car from XXXX XXXX XXXX XXXX. The {$50000.00} LightStream loan was intended for investment, not for purchasing the car ( please see attached ). Additionally, I have not received any payouts. 

I am seeking assistance in resolving this matter as I have been a victim of a scam. I believe that LightStream should waive the loan taken out under fraudulent pretenses. 

I've also included the following supporting documents : The invoice from XXXX XXXX for coaching me through the loan process, which could have been done independently. 
Complaints from XXXX XXXX customers on their XXXX  page. 
The IRS XXXX XXXX indicating the scam used to defraud me, which my CPA considers illegal ; I have contacted the FBI and XXXX of Michigan. 
A flowchart detailing the sequence of events in the scam. 
Text messages between XXXX XXXX ( aka XXXX XXXX ) and myself. 
Contracts/agreements I signed with XXXX XXXX for the investment. 
Slides from XXXX XXXX XXXX on credit repair funding options, featuring Finance Factory and XXXX XXXX XXXX showing their direct connection. 
A slideshow from XXXX XXXX on the automated credit repair investment. 
An email from XXXX XXXX, the " funding expert '' at XXXX XXXX, referring me to XXXX XXXX, who assisted in funding the scam without notifying me.
Product: Mortgage

This is another complaint with the same problem that still is not resolved even though the bank said they had fixed it. TD bank has problems with posting my mortgage payments properly and has problems with keeping my insurance on file. Their representatives have problems with telling the truth and based off my experience a tendency to lie. The letter I had received as a response from my last complaint had XXXX XXXX 's contact information on there. She said to call in case this was not fixed. Well her number that she provided is not a working number and is disconnected.??? I was given a new escrow analysis from TD bank reflecting the corrections promised. Then told to take that to the bank since I was never given a bill. Then make a payment based off that. I did exactly as the bank instructed. Now I received a bill with a late fee attached to my mortgage. This was supposed to be taken care of as promised. It hasn't. I feel as though this is a form of prejudice.
Product: Credit card or prepaid card

In XX/XX/XXXX I had make a payment on Wells Fargo credit card for some reason the bank failed to process the payment timely as soon as I learned this I contacted bank to sort out why. It was determents that the bank make an error. Then they adjusted late fee and showed account current. Then in XXXX I had to change my payment method. ( bank account # with customer service dept ). I had automatic payments Set up on that account. In about XX/XX/XXXX I saw unusual activity on the Wells Fargo App. I contacted. Customer service again to sort out what was going on... I was told that the account was current and in good standing.. I learned that wells Fargo had been using the OLD account number and my bank had manually put payments through. But they were late because of that delay. It turns out the customer service department did not update the payment information with the automated system. That is why they were using old information. I was then transferred to the correct department to re update the payment information. None of these errors were my fault or was I even advised of status timely for me to correct. Then in XXXX time WF reduced my credit line due to what they called late payments. None of which were my fault or under my control. I have been talking to customer service. the " executive office '' numerous times to get my credit line corrected back to before they arboreally reduced it. I get the run around where one person says my account is in " excellent '' status with NO late payments and the next person says " there is a problem, but they have NO idea what it is and passes the buck to a different person. The executive rep who was supposed to be handling my complaint will NOT return my calls or follow up in any way.. I simply want my account to be restored and ANY negative credit bureau reports corrected.
Product: Debt collection

I am appalled by your disregard for my requests to investigate and remove inaccurate information from my credit profile. Despite multiple letters, including my previous attempts to resolve this matter, you have failed to take action. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to honor such requests promptly. Your ongoing negligence is a clear violation of this law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent out Debt Validation Letters for all negative items being reported on my credit reports, with all 3 major bureaus, on Thursday, XX/XX/2024. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The 30 day response period expired on or about Sunday, XX/XX/ 2024.
Product: Mortgage

Have multiple email ( s ) and recorded phone calls from XXXX to XXXX from XXXX XXXX, mortgage originator at OVM financial XXXX  XXXX office ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ), reassuring me that my mortgage was in good standing, never missed a payment. I was asking for an extension of no payment for XXXX, the reason I have these communications by chance. 

Came home to eviction/lock out from Sherriff on XX/XX/XXXX. 

Called XXXX XXXX direct OVM number, she was on vacation in Florida. Called OVM local XXXX XXXX number on XX/XX/XXXX which was a Friday ( eviction was after business hours since we just returned home from a 14 hour day at work, was last day of school so my wife was out all day ). The lady said she would pull my physical copy and get back to me. She called back Monday XX/XX/XXXX saying that OVM did own my mortgage she has no idea what's going on and that their lawyers would help me ( they did not of course ). Have all the phone recordings. 

I already filed a CFPB complaint earlier this year ( req : XXXX ). A paralegal responded saying that they've never serviced my mortgage and have no idea who I am, with their reason being that XXXX bought out OVM in XXXX. Which is insane because OVM was bought a month BEFORE I bought my home. 

Here are the last two payments via money order ( after my home was foreclosed, auctioned, bought, then an unlawful detainer filed against me ). XXXX, money orders only go up to XXXX, hence the two separate chain of numbers. Yes I checked in the month of their mailing date and that they were cashed and mailed to OVM HQ in XXXX  XXXX. 

XXXX XXXX XXXX XXXX I have lost everything I have ever owned in life including my family pet ( s ), clothes, antique furniture, upgrades to my home, and my apparently, at the minimum 10+ months, of paying OVM XXXX $ + dollars a month for a mortgage they didn't own. I've had to relocate my family back south and give up my XXXX year job in XXXX. My kids have lost their the childhood friends and innocence. Yet no word from someone I paid 5 figures. Received receipt in XXXX of XXXX that my taxes were paid from escrow, which is weird for that to happen after I was legally evicted by then.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX Regarding home at XXXX XXXX XXXX XXXX XXXX XXXX TX To whom it my Concern : I am writing this letter to explain the series of events that cause my home to be foreclosed on. I purchased my home in XXXXXXXX XXXX XXXXXXXX. I took out a 30 year fixed rate mortgage in which my payment was around {$650.00}. In the end of XXXX Wells Fargo raised my payment to {$1200.00} per month without justification. 



I had an auto draft payment on my back account for my Mortgage and Well Fargo withdrew the {$1200.00} payments until it had completely depleted the {$7500.00} I had in that account. I spent over 150 Hours on the phone over the course of several months trying to get a justification for why my payment had gone up so much. I was normally transfers back and forth between sections up to 9 times per attempt. I was eventually told it was an issue with my escrow. I then went and got copies of my tax records as well as my property insurance policy. I then sent it to Wells Fargo at least 10 times which clearly stated that my payment was unjustly raised.

I finally got a hold of a representative at Wells Fargo that told me that that my best option was not to worry about the increase in payment. I was then told that I would most likely qualified for the HARP refinancing programs and that was my best option to prevent Foreclosure. I completed all the required forms and sent them in 6 different times. I made dozens of follow up calls and was told that the process took time. During this time I looked into trying to sell the house but the resident of the home next to me had died and after they inspected the neighboring home interior the home became condemned. So it became impossible to sell my house with a large condemned sign on my neighbors home. The whole time I was making the payment that I could. After over 6 months of trying to get the situation resolved Wells Fargo told me that I still owe them an additional {$4500.00} and that they would not except anything but the full amount. I didnt possess the fund to pay them and my home was then foreclosed on in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my free annual credit reports on XX/XX/21 and on the Experian report only I found a Soft inquiry from IDES  Batch on XX/XX/21. I do not and have never received unemployment benefits from the State of Illinois and have never seen it on my credit reports. Went to the IDES website and was alerted to may scam/phishing issues happening to Illinoisans. Please look into this. Its a form of identity theft. Thanks.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XX/XX/XXXX - XX/XX/scrub>/2023 XXXX XXXX XXXX - XX/XX/year>2023 These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer