23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was refinancing my home from XXXX lines of equity into XXXX fixed rate loan. I contacted a loan officer with Wells Fargo that gave me extremely poor customer service. This customer service has been documented as I was eventually contacted by another employee that was able to assist. The customer service issue took a month away from getting my application completed and submitted. This was a time sensitive matter for me because my maturation date was approaching and I just gained employment in XXXX of 2014. The application was submitted in XXXX of 2014. Closing was not until XXXX 2014. Almost 5 months to close on a loan with an existing customer. During the approval process the loans matured in XXXX of 2014. My credit score went from an XXXX to a XXXX. After closing I was instructed to contact Wells Fargo Mortgage and seek assistance to correct credit score. They would not assist me in the correction so I am filing a complaint.
Product: Debt collection

I applied for an apartment lease at a complex called XXXX XXXX  around XX/XX/XXXX. I never signed lease and 3 months later I get a bill in the mail for XXXX . I ignored it due to the fact that I knew I didn't owe this amount, and another 2 months later i received another letter from collection agency NCC business services. I ignored debt not applicable to me, and did not find out it was sitting on my credit report until I tried to apply for a different apartment recently ( XX/XX/XXXX ). I tried calling NCC business services and asked for either a settlement or pay for delete, instead I good a very rude representative so I hung up. I went through online dispute and even tried to sent complaints to their management asking for proof of validity but no response. I can pay off debt fully but it is not correct and I should not be charged it, my main concern is taking it off my record.
Product: Credit card

Contacted by the company debt collections multiple times. Each time I ask for a way to setup a payment plan or for them to work with my debt management company to help to get on a payment schedule or to send it to outside collections so I can work with someone and they refuse. I was told that they only provide payment plans or hardship assistance to open accounts because the account it closed I am unable to get any sort of hardship assistance program that they have within their organization. By not allowing me access to their internal hardship programs, not working with my debt management organization to create a debt management plan, and not send it to an outside agency for collections they are continuing to just take XXXX XXXX interested each month and pile it on knowing I can not pay it. Its unfair to force someone who is now on XXXX to end up with bad credit because they refuse to work with their own customer and instead gouge them charging interest on interest while they are unable to pay.
Product: Bank account or service

" Google XXXX XXXX '' calls XXXX or XXXX times a week to tell us we are in danger of losing our business opportunity. It is automated and SOOOO annoying
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to all companies and all credit reporting bureaus.
Product: Debt collection

In XXXX of XXXX an account was opened with XXXX XXXX using my identity ( personal information ) in XXXX, Illinois. I have never lived in XXXX nor have I purchased products or services from XXXX XXXX The account became delinquent and the {$1300.00} balance was sent to the first collection agency in XXXX of XXXX. In XXXX of XXXX, my wife and I were trying to get a loan to build our house and that is when I was first made aware of the debt as it negatively affected my credit report. I disputed the claim with XXXX XXXX, the collection agency, and the credit bureau. I was told by XXXX XXXX the account was being processed as identity theft/fraud and would be closed. The debt collection was removed from my credit report a month or two later. Fast forward to XX/XX/XXXX and I get a letter in the mail from a second collection agency stating I owe them {$1300.00} as a result of debt with XXXX XXXX. The amount of the debt is lower by roughly {$13.00} but the account number is the same from the first collection agency. I called the collection agency and explained the history of the situation. They advised me to call XXXX XXXX I proceeded to call XXXX XXXX where I was on the phone for over an hour and transferred at least 4 different time to another department. The final person I spoke to stated " the account was too old to view and I need to be transferred to debt collection. '' They transferred me back to the collection agency I had already spoken to. I was definitely frustrated and had been given the runaround by XXXX XXXX. I then called XXXX and formally disputed the debt collection. I was told that some companies, like XXXX XXXX, are able to sell the debt to another collection agency when the amount is changed and the company then offers no help to resolve the situation. This is a terrible practice and has wasted valuable time. XXXX XXXX, or any other company, shouldn't be allowed to resell debt especially when it wasn't mine to begin with. XXXX XXXX 's customer service, specifically the identity theft/fraud department XXXX were of no help and definitely aren't taking identity theft seriously!
Product: Debt collection

In your reply you state that " Resurgent received the electronic dispute that you submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective credit bureaus. " What your response does not state is how the account was deleted unanimously by all XXXX credit reporting bureaus and as such any continued collections based inquiries are activities in direct violation of the Fair Credit Reporting Act coupled with additional violations and infractions against Fair Debt Collection practices act. If I am receipt of any additional information from your company in relations to the above, I will then be faced with recourse with the strength of the final dispositions adjudicated by the credit bureaus coupled with filing whatever appropriation actions necessary in a court of law up to and including seeking legal remedies that would help to shape the other matters of violation beyond simple debt collection. 

Fact is the credit reporting bureaus in their wisdom have spoken and as such this does not preclude me from seeking the remedies afforded me in due process of administering and protecting my rights under the law. I will consider this matter and grievance with LVNV a closed matter for now ; that is unless there is recent of additional correspondence in response to this matter as if it does continue, then I will move to seek other " additional remedies '' afforded to me in the eyes of the law and swiftly seek to resolve this matter. 
Signed, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXXXXXX XXXX {$8600.00} on XXXX the account number XXXX, an a collection opened at XXXX XXXX XXXX $ XXXX XXXX the account number XXXX, and another account opened at XXXX XXXX XXXX XXXX XXXX XXXX {$000.00} under the account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX Consumer Social Security Number XXXX Consumer Date of Birth : XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Mortgage

I've had my mortgage for 15 years of the the thirty year term. I've paid the mortgage down to 68 % of the original value but my mortgage company refuses to remove the PMI.
Product: Checking or savings account

At approximately XXXX on XX/XX/2023, I received an email from Marcus by Goldman Sachs stating that, " The United States Postal Service let us know that you filed an Official USPS Change of Address order. '' I had not filed a change of address request with the post office, and was predictably terrified that someone had done so fraudulently. I promptly went down to post office and asked them to look into the matter. It turns out that, according to the gentleman at the post office, there was no USPS Change of Address order put in, and Marcus put me through a tremendous amount of emotional distress by sending out a fraudulent email. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Im requesting a copy of the 1099c from XXXX XXXX XXXX finance that I didnt not receive. Its showing on the consumer credit report that the scccoint has been written off as a Profit and loss write-off and a charge off account yet I still havent gotten a 1099 c and the account is still reporting incorrectly and statutory damages should be paid out based on how long this inaccuracy has been going on over 12 XXXX with several complaints and claims being filed with AG, OIG, as well as XXXX
Product: Credit card

On XX/XX/year>, I called the credit card company for two reasons : 1 ) because I found out that they reported my closed account as past due causing my credit score to drop by 30+ points, and 2 ) to let them know that I'm willing to make monthly payments to satisfy any balance that may exist ( they don't inform me via monthly statements what my balance is ). I was told that they continue to charge interest on an account that they forcibly closed for " making payments too frequently ''. My argument is : how can I have a balance on a card that I paid too frequently? No charges have been made because they closed my account, and how can they continue to charge interest on a closed account? I believe this to be fraudulent practice and want this account removed from my report completely.
Product: Debt collection

I have not received the XXXX for the XXXX accounts that are charged off debt that's reporting to my credit report. Capital one XXXX BANK is supposed to comply and send a XXXX to report the income but they never did. which means they can not inaccurately report a charge off, and its prohibited for creditors to report income on my credit report. Charge offs are consider taxable income. 

Quicksilver account ending # XXXX XXXX platinum account ending # XXXX
Product: Debt collection

New Jersey Higher Education offset my taxes between XXXX. Unsure of the exact date, I tried for weeks to talk with someone from the IRS, they are the worse, it's impossible to speak to anyone there. I tried calling the NJ Higher Education and I keep being transferred to XXXX XXXXXXXX XXXX. When I spoke with XXXX they were so nasty and disrespectful towards me. I never received a letter of my debt of settlement paid in full. Yet, somehow XXXX is claiming that I owe them. The student loan was from XXXX. This is affecting my credit, this debt is not valid. Here we have NJ offset my taxes and now XXXX is trying to claim money from me. These practices are beyond unlawful how I was never notified they even had my account. An account that is closed, that should be closed. Please help me, I'm in the process of being a first time home owner and this is hindering me from achieving my dream. I want their scheming to CEASE AND DESIST!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Transunion which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  and requested for an extension of my XXXX auto loan payment in the amount of {$1100.00}. I was eventually granted approval of the request on XX/XX/year> ( See attached letter ). I was told to make a minimum payment of {$670.00} within 10 days from XX/XX/XXXX ( the date the agreement was incepted ), and the remaining {$360.00} will be due on XX/XX/year>. On XX/XX/XXXX, I received a text that my payment for {$670.00} was past due which was only 6 days within the allowed 10 days as agreed to. I contacted their call center and there was a huge language barrier and I kept requesting for a XXXX and got no where. I then hurriedly made the payment to remain compliant to the agreement. On XX/XX/XXXX, my XXXX credit reporting servicer notified me that I had received a late payment from a creditor. I logged in and noticed that XXXX had reported my XXXX auto payment which was not due until the XXXX and which they had approved an extension on the XXXX of XXXX was 30 days late. I contacted XXXX customer service on XX/XX/XXXX and once again experienced the same communication challenge. At this point I had satisficed the terms of the extension agreement including making the payment of {$360.00}. I was informed I could contact the credit reporting agencies directly which I did and only XXXX deleted the late. Both Experian and XXXX have refused to delete the late from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi guys from CFPB. 
Please send the following documents to Capital One Bank. 
Thanks!
Product: Credit reporting or other personal consumer reports

I reported to Experian that there was accounts that are not mine and they didnt help me. Please know that the XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX  credit cards are not mine. I know CFPB is suing Experian for Sham Investigation due to credit report errors and I feel like no one has helped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent two days trying to correspond with Trans Union regarding my credit report. I have used their inoperable website several times and called twice and left on hold for 30 minutes on each time. Information on my report is inaccurate for several different reasons ; They are as follows ; XX/XX/XXXX TransUnion Consumer Relations XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX XXXX : File Number : XXXX / Dispute & Clarification Information To Whom It May Concern, TransUnion Consumer Relations ; Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception.

Incorrect Adverse Account Information ; 1. XXXX XXXX XXXX XXXX  # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX XXXX XXXX XXXX
Product: Mortgage

Erroneous credit reporting on my credit report and that of my wife. XX/XX/XXXX my wife and I filed a BK XXXX and concurrently were in a loan modification that was later approved. I am trying to use my VA loan for a home only to be told that we are shown as making late payments from XX/XX/XXXX until later in that same year roughly XX/XX/XXXX I believe. This is after the BK XXXX. We did everything and never made late payments but are being told that although we were paying as instructed on the modification we are still considered making late payments which is unfair to us. What would have been the sense of saving our house if we knew we would have known the lender was reporting our payments as late through our modification agreement. I have more to add but hopefully will be able to get the negative remarks off of our credit reports. I am a Veteran and feel slighted with this action. Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors, and I kindly request the Consumer Financial Protection Bureau 's intervention to address these violations and ensure my rights as a consumer are upheld. I would like to share my personal experience to emphasize the emotional and financial distress these inaccuracies have caused in my life. 

Below is a detailed account of the violations along with the relevant account numbers and specific FCRA sections that have been violated : XXXX XXXX Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX  - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX XXXX  Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : Address Violation : Inaccurate personal information reported ( FCRA Section 613 ) Personal Experience : I want to emphasize the profound impact these inaccuracies have had on my life. The resulting damage to my credit has led to denied credit applications and higher interest rates, hindering my ability to make essential financial decisions. I vividly remember the recent incident when I applied for a loan to support an important educational opportunity. The inaccuracies on my credit report resulted in a denial of the loan, leaving me devastated and uncertain about my future prospects. The emotional distress and frustration caused by these errors are overwhelming and have strained my overall well-being. 

I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal provisions outlined in the Fair Credit Reporting Act. I urge you to investigate the mentioned violations and work towards the removal of these unverified accounts from my credit report. This action is not only crucial for my financial recovery but also essential for upholding the integrity of consumer protection laws. 

I greatly appreciate your attention to this matter and look forward to your prompt response. My hope is that your intervention will help restore my financial confidence and provide a path towards rectifying these unjust discrepancies. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX suit us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the XXXX suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see complaints # XXXX against the XXXX collection agency and # XXXX against XXXX ).