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

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$790.00} Date opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX {$840.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$730.00} Date Opened XX/XX/XXXX 2020
Product: Mortgage

On XX/XX/XXXX I received a letter informing me I have been approved for an Payment Deferral effective XX/XX/XXXX. This Deferral would do the following : 1 ) Adjust the due date for my next payment and bring my mortgage current.

2 ) Defer repayment to the end of my loan/sale/refi 3 ) Waive any late charges It is now XX/XX/XXXX and my loan is still showing as delinquent and every payment I make is held in suspense and not applied to my principle, interest, or escrow account. I have spoken to 14 different people at XXXX XXXX Loss Mitigation department  and none of them are able to tell me when this process will be finished even though the letter says it should go into effect XX/XX/XXXX. I have requested to speak with supervisors on at least XXXX different occasions and am consistently told they will call me back within XXXX hours. After 7 requests I have yet to speak with a XXXX 

Customer service reps have been misleading about the entire process stating that the process couldn't be started until they received verbal confirmation from me, even though there is no instruction to do so anywhere on the documents I have received. Further, the documents I have state that the deferral has been approved and effective XX/XX/XXXX. When calling, customer service Reps have gone as far as to ignore my request for XXXX  give me fake phone # extensions, or tell me they will call me back personally at a certain time and date with no follow-through. 

Every time I ask for a timeline the number of days changes depending on the person I ask, and is the same range no matter how long I have been waiting. 30-60, 30-90, 60-90, 90-120 days. At this point it has been over 135 days since this process was supposed to be IN EFFECT and I am still in the dark about when this process will conclude.
Product: Credit card or prepaid card

I have been XXXX  in the XXXX  XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/XXXX. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Home store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being XXXX  for the past 14 years, they haven't sent any credit card to a XXXX. Any address on my credit report is a result of my Identity being stolen. This account has already been deemed fraud by XXXX XXXX XXXX, XXXX on XX/XX/XXXX when it was sold by synchrony bank. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account XXXX XXXX
Product: Mortgage

Im filing this complaint because I have not received my regular monthly mortgage statement from Selene finance since they took over my mortgage from XXXX XXXX  in XX/XX/2020. 
Secondly, according to the last monthly mortgage statement I received from XXXX XXXX  in XX/XX/2020 just before they transferred my mortgage, my regular monthly payment was scheduled to go down to {$2600.00} starting XX/XX/2020, but instead of going down, on XX/XX/2020 Selene finance increased my mortgage payment to {$3400.00} without giving me any written notice or explanation as to why the payment was increased.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Terrace XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. 8:25-cv-24 ).

Specifically : 1. Failure to Conduct Reasonable Reinvestigations : Experian 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution.

2. Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers. 

3. Immediate removal of any inaccurate, incomplete, or unverifiable information from my credit report. 

The items in question are : XXXX. XXXX collection XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX adjust ( XX/XX/XXXX ) These discrepancies are causing undue harm to my creditworthiness, and I am entitled to a fair and accurate credit report. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the accuracy of the information, provide me with the results of the investigation, and correct or remove any inaccurate or unverifiable data. 
Please also provide me with documentation or evidence that supports the information currently listed on my credit report. If you fail to resolve this matter within 30 days, I will consider pursuing further legal action, including filing a formal complaint with the CFPB, as well as consulting with legal counsel for additional remedies. 
I expect a prompt and thorough resolution to this matter and look forward to your reply. 

Sincerely, XXXX XXXX
Product: Debt collection

A man named XXXX has been from a Pendleton Capital collection agency & has been calling my place of employment about an alleged  debt I owe from a pay day loan company. Not only have I asked the man to stop calling my place of employment but I don't owe any money. I told him its not legal or OK to contact me on my work phone number and he said it is and he will continue to do so. I contacted the company he claims I owe money to because I figured if I owe this payday loan company, I can settle the debt with them personally- not with a random stranger who keeps asking for a credit card #. 
I have written confirmation/proof that a ) I don't owe this payday loan company any money and b ) they are not associated with " Pendleton Capital '' as thats not the debt collection company they use when something goes into collection. They provided me with the debt collection company they DO use and its not Pendleton Capital at all. 
I have repeatedly asked the man who calls to stop calling me at work and to take this number off the calling list ( my work line ). I told him if for any reason he insists on calling - to call my cell phone. He says I didn't answer when he called. I explained to him its because I am at work and am not allowed to take personal calls. He said he will continue to call my work to reach me. 

I need this to stop, please! 

The number he keeps calling from is XXXX
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX I noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau XXXX and they continuously report this fraudulent account to my credit report. 

XXXX XXXX XXXX XXXX Due to this fraudulent account reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to and was approved for a credit card with MILITARY STAR CARD aka The Exchange Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( MILITARY STAR CARD aka The Exchange Credit Department ) report this credit card account to XXXX, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing an unauthorized inquiries and inaccurate personal information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX this year unsuccessful unfreeze due to system maintenance, unable to unfreeze through customer service. 
Unable to obtain pin, which was lost. The backup email shows an outlook account through XXXX Fast forward to last night, Monday was told by chat representstive the submission issue will clear up in minutes and to try again, did so last night to no avail. 
Today using bing and XXXX unable to unfreeze accout.
Product: Credit reporting or other personal consumer reports

I Looked at my report XX/XX/2024 and noticed some things are incomplete and not accurate. and In accordance with Fair Credit Reporting act 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. the LIST OF ACCOUNTS below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX # XXXX Open date is not reporting correctly, XXXX # XXXX Open date is not reporting correctly, XXXX. XXXX # open date is not reporting correctly, XXXX XXXX # XXXX open date is not reporting correctly., XXXX # XXXX Open date is not reporting correctly. 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 hitch 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: Debt collection

XXXX XXXX, XXXX XXXX " original creditor '' assigned a debt to LVNV Funding, LLC, who in turn retained the XXXX XXXX XXXX, XXXX, to pursue a claim against me for a debt that I have consistently maintained I did not open or authorize any person to open. The alleged debt is less than {$2000.00} ; however, the XXXX XXXX XXXX, XXXX refuses to accept my contention that I have been the victim of identity theft multiple times with different credit card accounts. I submitted a Debt Validation Letter to the assignee LVNV Funding, LLC and in response, LVNV Funding, LLC provided me with a bundle of account statements with much of the information redacted, thereby rendering their attempt at debt validation futile. Moreover, none of the documents provided bears my original signature. Neither creditor has provided, despite my request, a Credit Card Agreement or any document that bears my original signature, evidencing my request for credit. This fact notwithstanding, I was so overcome with high-pressure collection tactics and threats to damage my credit, I relented and made several payments to the alleged original creditor before I decided to take affirmative action to defend my good name. 
Please stop the high pressure collection tactics of this creditor and its lawyers. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These unauthorized accounts I did not approve of. I am a victim of fraud
Product: Debt or credit management

I was told to mail in a money order to pay off my debt for kikoff? I mailed my money order and no one absolutely no one can inform me if they received it or not??
Product: Mortgage

Wells Fargo refuses to refinance existing home mortgage loan under HARP guidelines. Mortgagor again called Wells Fargo Home Mortgage ( XXXX, spoke to representative named XXXX ) on XXXX/XXXX/XXXX, and Mortgagor was not permitted to initiate refinance application under HARP guidelines because Wells Fargo Home Mortgage is not yet ready to implement new RESPA requirements -- according to WFHM representative named XXXX. Mortgagor requested XXXX to put verbal statement in writing to Mortgagor. 
Mortgagor in good faith attempted to refinance existing mortgage loan XXXX times since XXXX, but Wells Fargo Home Mortgage sabotages every application by requiring unnecessary qualifying documentation, low valuation property appraisals, and high conventional closing cost projections. Mortgagor paid {$210000.00} for mortgaged property in XXXX, put down {$42000.00} cash, reduced outstanding mortgage loan balance from {$160000.00} to {$130000.00} and invested more than {$50000.00} in property improvements. 
Wells Fargo Home Mortgage has stonewalled every complaint filed by Mortgagor. Wells Fargo Home Mortgage has made false statements about Mortgagor 's excellent installment payment history. Wells Fargo Home Mortgage can not produce required documentation such as signed Uniform Residential Loan Application from XXXX. Wells Fargo Home Mortgage has manipulated mortgage loan from being non-conforming to XXXX approved in XXXX.
Product: Money transfer, virtual currency, or money service

This complaint is regarding a dispute that an XXXX purchaser opened against me. The dispute was filed in error ; the buyer provided written documentation to that effect and stated that he was working to reverse the mistaken fraud report that had been filed previously. 

Paypal was provided with ample documentation to this effect on XX/XX/XXXX and XX/XX/XXXX. Documentation included : 1. Written documentation from the buyer attesting to the mistaken fraud report.

2. Tracking information indicating that the item had been delivered.

3. Positive feedback on XXXX from the seller indicating that the item was as described. 

Initially, Paypal even tried to charge me an additional {$20.00} chargeback fee before I called and complained ; they subsequently reversed the charge. My main complaint at this point regards the negative balance in my account due to the fraud report. This morning, XX/XX/XXXX, I received a threatening email from them in which demand that I add money to my Paypal account or face debt collection efforts. This is in direct contravention to assurances I received when I spoke with customer service last week. 

In sum : 1. Based on the ample documentation provided, Paypal should cover my case under seller protection, which they have thus far declined to do.

2. Paypal should remove the negative balance on my account, as the case against me was filed in error and written documentation confirms this.

3. Paypal should issue a written apology to me for its repeated failure to act in my best interest in this dispute.

4. When there is an open dispute that results in a negative balance, Paypal should NOT issue threatening email communications to customers demanding payment, especially before the dispute is closed.
Product: Mortgage

Due to Covid 19 I was laid off by my employer. I contacted Specialized Loan Servicing ( SLS ) to start a forbearance, but was told that at the end of 90 days I would need to pay the full mortgage amount. ( XX/XX/XXXX ) I have a XXXX XXXX Loan and according to the CARES ACT this is not correct. I was able to scrape a couple of payments together with the government stimulus, but I am still without work. I called back ( XX/XX/XXXX ) and was told that a deferment would not be possible. When asked why this is so they said they were following the mortgage owner guidelines. This is not what the XXXX XXXX site states or the CARES act. I asked to speak with a supervisor and I am awaiting a return call. I feel the SLS is being unreasonable and anything short of a deferment will cause a raise in my mortgage to a level were i wont be able to pay. 
thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE EXPERIAN TO REFLECT SO.SEE CFPB COMPLAINT NOXXXX, DATED XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY BANK OF AMERICA ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A BANK OF AMERICA FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

Trying collect a debt I do not owe. Never heard of the company they are trying to collect for. Provide no opportunity to dispute the debt
Product: Credit card or prepaid card

Purchased a Refrigerator online at Lowes during their XXXX XXXX   Pre-Sale. 

Chose the interest free option, I believe for 12 months. 

Lowes is charging me interest They say that I caught this too late and therefore they do not have to fix the issue
Product: Vehicle loan or lease

I obtained an auto loan back with ALLY FINANCIAL back on XX/XX/XXXX for XXXX. The car was involved in a hit and run back in XX/XX/XXXX. I informed them of the situation. When I spoke to one of their reps, after my car insurance paid off 97 percent of the loan, they told me I would not have to pay the remainder of the loan until XXXX but please be advised it would accumulate interest. When I received phone calls from them, I was informed that I was expected to continue to keep making regular payments because I didn't have gap insurance even though I was advised different. Ally Financial harrasses me Monday through Sunday with over 10 phone calls per day. They call after hours after XXXX XXXX Monday through Friday to harrass me as well even when I speak to them and tell them I am aware there is a balance on the account and I will take care of it as soon as I can. I do not return their calls anymore because if I do, I get even more harassment phone calls from them and more letters harrassing me with letters stating notice of intent to make negative report on mu credit in which they have now did. This is why I am coming forth to have them investigated so others can have record of their tactics. I am sure they got angry that they could not reach me so they decided to try and damage my credit. Thank you, XXXX
Product: Debt collection

After an attempt by my legal counsel to understand the debt ( he was left in a state where neither of us understood how there was a debt. ( This was supposedly settled. ) ), the Estate Information Services company began to expand their radius and began calling members of my family about the debt.

I am the administrator of the estate, neither of my parents are involved in the estate, and I am not a minor.

My parents have no relation to this case, and they should not be contacting my parents about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I was going to go to a job interview to see that my XXXX  XXXX was wrongfully repossessed. I had called Volkswagen to have 2 payments differed due to the COVID-19 pandemic. I called Volkswagen because I knew something didnt make sense. They listened to old phone call records to hear where the representative at Volkswagen agreed to the differed payments but never notating the account. They returned my vehicle 2 days later. 
In XXXX of XXXX, I traded that vehicle in for a XXXX XXXX where the dealership paid the remaining balance on the loan. I called that dealership on XX/XX/XXXX to confirm and they did pay the loan and the vehicle is now registered to someone else. 
On XX/XX/XXXX I tried purchasing another vehicle to learn that there is a repossession on my credit report from Volkswagen when there shouldnt be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXX XXXX  central standard time and discovered that EXPERIAN at XXXX XXXX XXXX in XXXX, TX placed a fraud alert on my credit report without my consent.
Product: Mortgage

In the last week of XX/XX/2019 Sps Servicing XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX www.spservicing ) acknowledged and received documentation of my representation of legal counsel that my loan XXXX :XXXX XXXX XXXX XXXX NY XXXX was in que to be refinanced with XXXX  XXXX XXXX XXXX XXXX NY XXXX 
As of today XX/XX/XXXX they have not provided the documentation and as of Monday the didn't even have the documentation, I called the settlement agency company and forwarded it to them. Counsel has told me they are looking at 90 - 120 days to confirm this will costing me over 5000 in interest expenses if they even proceed.