23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Mulitiple purchased made at XXXX furniture store. I am legally altered with vision. I relied upon store sales persons to inform me of the financing terms. I did sign an agreement via their little tiny printer that had writing on it that I could not read. The device I signed on was not much larger that a credit card swiper that you use at a grocery store. 

Purchases made on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was told by sales person that I would have no interest purchase agreement with 12 months of payments. If the payments were not made I would get charged interest. I paid those payments without fail. I did not sit down to do the math because I had no reason to distrust Steinhafels at the time. On XX/XX/XXXX, I was charged {$200.00} in interest charges. I disputed this action with the complaint department at Wells Fargo, the financing company for the XXXX credit account. I received a letter from Wells Fargo Complaint division dated XXXX XX/XX/XXXX indicating that if I paid a sum of {$280.00} the interest charges of {$200.00} would be waived. I paid Wells Fargo the sum of {$1900.00} on XX/XX/XXXX via my online bill pay. That sum was to pay off the {$280.00} sum to get the interest charges waived and also to pay off another purchase with no interest for 12 months that was expiring on XX/XX/XXXX in the amount of {$1400.00}. Also, I added {$130.00} to make a monthly payment ( that was not due per their statement ). Wells Fargo make the decision not to pay off those expiring transaction but chose instead to divide that payment up among all of the purchases. Wells Fargo also changed the special terms ending date on the purchase with a balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX and did not pay that balance off as I indicated. A person from the complaint department called me on XXXX XXXX ( I think was the date ) and explained that she would get in touch with billing to get this issue resolved if she could and would call me back the next day. She did not call back. However, during our conversation she did tell me that Wells Fargo billing had in the purchase agreement ways that payments were applied. As shown to you in clear print, apparently Wells Fargo will not allow you to pay off purchases but rather redirect payments how they choose. Additionally, the {$280.00} that I did pay apparently did resolve the interest charge of {$200.00} but they would not enter that fact on the new statement they mailed to me. I did see that credit online via their website but again, will not reflect the credit on the actual billing statement. I do not believe this to be ethical business practices. Furthermore, why would the company finance 12 months no interest if paid if full by that date, set the payment charges to a level that will not pay off the debt in 12 months, then not allow you to pay the debt off but rather divide the payment as they choose. This is clearly a consumer trap that should be addressed and punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed equifax previously to remove address that isnt my address, the latest credit report is showing this address. please remove address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I have asked the company numerous time to not call my job and I just received another call at work at XXXX from XXXX. My loan is behind and right now I dont not have the money to pay they already sent me a right to cute letter. They have also been asked not to call my boss XXXX, he is no longer my boss now, XXXX promised to remove his number but he still received a call after I discussed this with XXXX. I want the calls to my job to stop as I work in a XXXX XXXX environment and I am required to meet goals and receiving these calls is affecting my job.
Product: Debt collection

I was a patient at XXXX XXXX XXXX and had XXXX services done while I was XXXX recipient. My medical bills should have been billed to XXXX and I never received any notices otherwise. In XX/XX/XXXX and beyond, I started seeing collections on all 3 of my credit reports for these services. They are listed under several different collection agencies for several different bill amounts ( Approx 10 different collections. I have tried disputing these charges and getting them removed from my credit reports with any success.
Product: Debt collection

I have already had to file a complaint against diversified adjustment service with the BBB because they were threatening my credit report and refused to allow me to dispute a debt they keep calling me over. I advised them I am disputing the debt and they will not allow me to do so. Now they constantly call my phone to harass me. I have told them 4xs now to stop calling my phone and they will not. This is harassment and I want it to stop. I just called XXXX XXXX today and advised XXXX the third party they sent information to is harassing me and I want it to stop as I have been making monthly payments to XXXX XXXX for a past due balance. XXXX XXXX  gets $ XXXX as we originally agreed to before they placed my account in collections and I am now being harassed and it is against the FDCPA to continue to call and harass a consumer after they are told to stop and after I advised them I am disputing the debt. They are to not call me for 30 days while they investigate the dispute in which they have failed to do. I want a validation and verification of debt from Diversified Adjustment and I want them to stop harassing me. I have already asked 4xs to stop.
Product: Credit reporting

This XXXX is for TransUnion. I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both XXXX and TransUnion. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX report. They were never delinquent prior to the filing.
Product: Debt collection

I used PayPal credit for a purchase and despite paying the amount borrowed in full before the end of the XXXX grace period, they charged and are continuing to charge me interest and other trumped up fees. Ive reached out to them via phone to explain the charges but they give convoluted, contradictory explanations and ultimately refused to cancel the charges knowing the debt was fully repaid
Product: Mortgage

Following application on XX/XX/2020 to refinance our existing mortgage with the same lender, we have been subjected to a series of faulty ( or nonexistent ) communication by NewRez representatives, atrocious customer service, and, at best, broken promises ( at worst, fraudulent representations ). Supplemental timeline and documentation are attached for reference. 

It should be noted that this is has got to be the easiest cash-out refinance request possible : two W-2 income borrowers who have owned their property for 22 years, who each have credit scores in excess of 770, and an LTV of under 70 %.
Product: Mortgage

I hold a VA loan with Pennymac. I am XXXX  and my house in the States, is now a rental property. My tenants lost their jobs due to COVID. I took advantage of the Forbearance program to cover those months. When I went back to regular payments, my mortgage balance went from {$180000.00} to {$190.00}, XXXX. Had I known I would owe an extra {$10000.00} at the end of the " benefit '', I would never had participated. This has caused a financial hardship. I am wondering if this could be covered under the Military Lending Act? 
Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX PA, XXXX
Product: Debt collection

This company claims I owe them an outstanding debt in the amount of {$3900.00} when I have never heard of them. They claim it was for some kind of lease and its on my credit report. I tried to dispute the information but they refuse to remove information from my credit report eventhough they have the wrong person? Either that or this comany is a scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account information is incorrect reporting that I was late on the following accounts : XXXX/XXXX : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX XXXX   : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX  and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( XXXX and XXXX  ) ; XXXX XXXX : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX ) ; XXXX/XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and XXXX ) ;
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX XXXX account on my credit report. This letter serves as a follow-up to the complaint I submitted to the CFPB on XX/XX/XXXX, regarding the inaccuracies in the reporting of this account. 

On XX/XX/XXXX, your company responded through the CFPB portal with an interim explanation. While you stated that you contacted the data furnisher and conducted a re-investigation, I believe that Experian failed to properly investigate my dispute in a lawful and timely manner, in violation of the Fair Credit Reporting Act ( FCRA ). 

Issues with Experians Handling of My Dispute : Failure to Conduct a Proper Re-Investigation : Experians dispute intake procedures are faulty, as they fail to convey all relevant consumer-submitted documentation to the original furnisher. 
Uncritical Deference to Furnisher Responses : Your response indicates that you rely heavily on the data furnisher 's response, even when such responses are improbable, illogical, or lack adequate verification. 
Failure to Utilize Consumer-Provided Evidence : Experian ignored documentation I provided to substantiate my claim that the account is being inaccurately reported. 
Violation of Timely Investigation Requirements : Per FCRA Section 611 ( 15 U.S.C. 1681i ), the reinvestigation period must be completed within 30 days ( or 45 days if additional information is provided during the investigation ). Experian unlawfully extended this period and failed to complete a timely, thorough review.

Request for Resolution : To rectify this matter, I am requesting that Experian : Provide a detailed summary of the specific steps taken during your reinvestigation process, including how consumer-submitted evidence was reviewed and shared with the data furnisher. 
XXXX the verification documentation received from XXXX XXXX that substantiates the reporting of the disputed account. 
Immediately remove the disputed XXXX XXXX account from my credit report if verification can not be properly documented. 
Confirm compliance with FCRA and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. 
I expect Experian to comply with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and ensuring that the information reported on my credit file is accurate and verifiable. Failure to address these concerns may result in further action, including filing additional complaints with the FTC and consulting legal counsel to protect my rights. 

Please respond to this dispute in writing within 15 days of receipt of this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, and account # XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I am writing to file a complaint regarding the handling of my student loans under the Public Service Loan Forgiveness ( PSLF ) program. Despite meeting the requirements for loan forgiveness based on 10 years of federal service and making over 120 eligible payments, my loans continue to be listed as " employment not certified. '' I have contacted my loan servicer, MOHELA, over five times to resolve this issue. However, each time I call, I am placed on hold for close to two hours. Once I finally reach a representative, my call is escalated after a review of my case. Unfortunately, after being on hold for an additional two hours, the call is automatically disconnected, forcing me to start the process all over again. 

This situation is not only frustrating but also causing significant financial hardship. I believe that MOHELA 's customer service practices are not in alignment with the requirements of the PSLF program, making it impossible for me to have my loans forgiven based on their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has not contact number to dispute what they are reporting. XXXX  just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 of the 3 Credit Bureaus, including XXXX and Experian, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of 15 USC 1681b ( a ) ( 2 ). I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed listed below : XXXX  XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX BANK Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I switched to the XXXX plan in XX/XX/year>, and successfully made payments in XXXX, XXXX, & XXXX. On XX/XX/year>, I received correspondence from MOHELA that my loans would be placed into a " recalculation '' forbearance for my XXXX payment that, according to the correspondence, would receive credit towards XXXX. On XX/XX/year>, I received the same correspondence related to my XXXX payment. Again, the correspondence specifically stated that the XXXX forbearance would count towards XXXX. In XXXX, MOHELA sent correspondence related to the XXXX injunction, stating that my loans would be placed in an indefinite forbearance that would NOT count towards XXXX. 
On XX/XX/year>, after receiving an updated XXXX XXXX XXXX, XXXX updated my payment counts to XXXX, but marking my XX/XX/year> and XX/XX/year> payments " Ineligible '' because of the forbearances. If MOHELA had imposed the correct type of forbearance for XXXX and XXXX, I would be at XXXX. 

Instead, I have been forced to submit a XXXX XXXX and a Buy Back Request, leaving me at the mercy of XXXX 's indefinite response timeline. Additionally, I have submitted several complaints to XXXX, as well ; however, they have not resulted in an acceptable resolution. 

Not wanting to leave anything to chance, I submitted an IDR Application to switch to the XXXX plan. If MOHELA is unable to process my application immediately, they are supposed to switch me from the XXXX administrative forbearance ( that does NOT count towards XXXX ) into a XXXX processing forbearance that WILL count towards XXXX. MOHELA claims they are unable to do so.
Product: Mortgage

To who it may concern, My name is XXXX XXXX. My complaint is for Bank of America! We are trying to refinance our home for a lower interest rate but Bank of America has very uncooperative. On XXXX 2013 we got a letter from Bank of America saying that our account had been sold to XXXX XXXX Services. So all these years we having been paying XXXX XXXX XXXX and now that we are trying to refinance Bank of America says we owe them {$80000.00}. Imagine my surprise to hear that I owe Bank of America that amount of money! So I called Bank of America to get a letter saying that we owe them that money to include it on our refinance or where that amount came from. So when I made that call it took me 7 calls and 7 transfers with 7 dropped calls where they would say they were transferring me to a supervisor and they would hang up on me. Bank of America told me they could not give me a letter because I owed that amount and their collection department ca n't give me a letter either because they have nothing under my social security # or account. XXXX XXXX XXXX has no record of nothing under that amount when our account was sold to them. I was not aware that I could put a complaint against them. It has been a very frustrating process with Bank of America, rude, unprofessional and certainly not Helpful!!! We are 3 days away from losing our 3 % intrest rate due to their uncooperative behavior. If we lose it who knows if we will get our appraisal money back from this company.
Product: Consumer Loan

I paid my account due on XX/XX/2016 and saw something on the website that said Toyota Financial gave a one-time forgiveness. I paid the overdue amount XXXX XXXX. I applied XXXX XXXX and was told that the policy was no longer being offered as of XXXX XXXX. I had never been late before. In fact, this was my second to last payment and now the car has been paid in full. I was reported as being 30 days late and my credit score was reduced by XXXX points. I think this is unfair as the forgiveness policy was active when the late payment occurred. I contacted Toyota Financial again and they refused to remove the late mark on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number TBOM/MILSTNE # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX 2023 XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Student loan

Account number XXXX Fed Loan servicing. I was listed as a cosigner for the loan I was a victim of identity fraud, XXXX XXXX was Ex classmate in XXXX in college, I have not seen her or talked to her in 22years, I do not know where she is living now, The last time I had contact with her she was in XXXX XXXX, How she got my information to obtain the loan I was not aware of, I did no realized what was going on until I received a letter XX/XX/XXXX from Fed loan, I call Fed Loan to send me a fraud package to fill to proof to them that i did not cosign the loan, they refused, they made many promises for weeks and did not send the package. I filled a police report, contacted FTC and followed the recovery plan for identity fraud. I send documents to Fed loan servicing, XXXX, XXXX and XXXX to correct my credit record it were done by the credit companies. 
I call consumer advocasy the branch of FedLoan to made a complaints of the company failure to send fraud package, I was promised that the loan will be removed from my name. 
I continues to received daily even twice daily phone calls, every other day letters from Fed Loan claiming that they want me to repay the loan I made. I explained to them that my name should be removed from the loan, I did not cosign. I requested to see the document that they have about the cosigner up till now they refused to produce it.
Product: Debt collection

Lvnv. Funding LLC XX/XX/year> open balance XXXX I sent multiple request for proof of owner ship my lawyer also did and I was treated nasty and not given any information or sent any of the documents I requested so I believe they dont have them And it should be taking off my trans union credit report equivalent report it was removed this account was fraudulently opened
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VALIDATION OF DEBT FOR ACCOUNT This letter is being sent in response to a listing on my credit report. This is a notice to request validation for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Debt collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe. Please be advised that I am NOT requesting a verification. I am requesting a VALIDATION that is competent evidence that I have some contractual obligation to pay you. 
Please provide the following information within 30 days from the date you received this request for validation : Name and address of alleged creditor Name on file of alleged debtor Alleged count number Address on file for alleged debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Copy of the original contract and any amendments as this will show what the terms of the contract are so I can see if you are following the guidelines for the contract in the amount you are trying to collect from me Statements related to this alleged debt providing all charges, payments, credits, etc to compare this with the contract and see if the amount you are claiming is correct Provide proof that this debt was assigned to debt collector or purchased Purchase agreement if the debt was purchased. I need proof that you own this debt Agreement that bears the WET INK signature of the alleged debtor where I agreed to pay creditor If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from the credit file and a copy of such deletion request shall be sent immediately. Please mail requested information to the return address above. 
Thanks, XXXX XXXX