23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have reached out to Planet home Lending on several occasions regarding several inaccurate 30 day late payments being reported on my XXXX, XXXX, and XXXX credit reports for my wife and I. They have agreed to remove late payments but we have yet to see any changes in our reports. I have also disputed the inaccurate information with the credit bureaus and they comeback with the same auto generated response as verified. We have never missed a payment in the 4 years and just ask for them to update and remove the inaccurate 30 date late 's from all three credit bureaus.
Product: Money transfer, virtual currency, or money service

Dear Team, Issue with the payment of XXXX. Facing issue from last 40 days still bank is unable to solve my problem. Kindly help to get refund asap
Product: Consumer Loan

In XXXX of this year I filed a CFPB case # XXXX. I had an issue where Chrysler Capitol billed me {$460.00} for state registration that they did pay on my behalf. They did so without calling or sending me an email. What they did n't know is that, since my tabs expired, I purchased the tabs on my own on XXXX XXXX. I contacted them and was n't able to get this issue resolved so I filed the complaint. Chrysler Capital did send me a letter in response to my CFPB complaint. They asked for me to send proof of this payment. I complied with Chrysler Capital 's request to send proof that my Minnesota vehicle registration was paid and I asked for them to send me a letter confirming this issue was resolved. I never received a letter or a call as such. I still receive a monthly invoice from them indicating I owe an additional {$460.00} for registration for 2015. I called them today and the customer service representative saw my compliant but was n't able to tell me if the issues is resolved and why it was showing on my monthly invoice still. I feel I ca n't get a resolution from Chrysler Capital and I 'm concerned that this charge may affect my credit or they may attempt to collect via collection agency. I want a letter confirming this issue is resolved and the charge removed from my invoice.
Product: Mortgage

In XXXX, I applied for a mortgage from several companies, including rocket mortgage. The Rocket mortgage representative identified themselves as XXXX XXXX, XXXX # XXXX. They said over the phone that I would be able to get a ~6 % interest rate by buying points at a significant discount. I asked to see this laid out in writing. He pressured me to pay {$500.00} over the phone so that I could lock in the rate he was verbally quoting, without putting it in writing. He said that we wouldn't be able to put the discount in writing, and sent me the quote without the discount. 

When my partner asked about what the interest rate would be without paying for points, XXXX did not present that to me, or my partner. Instead, he said that the breakeven point for paying these points would only be a year. When we calculated what the actual breakeven would be, it would have been 4 years. 

He deliberately mislead me to try to get me to buy the points by underestimating the tiem to break even.The also misled me as to what the real cost of the loan was due to his lying about a " discount ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  XXXX  Military XXXX  or XXXX XXXX for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$9800.00XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Debt was already to XXXX and account was satisfied by company paid Dynamic recovery has bought old credit report from third party.
Product: Debt collection

I have no knowledge of this debt and did not receive a notice of debt or any notices stating that I could contest the debt or asked for it to be verified but it has been reported to the credit bureaus which is a violation of my consumer rights under the FDCPA 15 USC 1692g.

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false, this is a violation of my consumer rights under 15 USC 1692e.

I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 
Please submit any substantiating evidence of your claims regarding the account listed above to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE [ XXXX ] If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Please also see the attached affidavit and invoice detailing the violations of my consumer rights. Please pay the attached invoice upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Policy Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX Door Sedan # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates were XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges. <P/><P/>Previous employees resided in XXXX XXXX Homeowners Association identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency. <P/>I have been threaten since XX/XX/XXXXwith violence, disclosure of private information and destruction of personal property. <P/>Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). <P/>Malfeasance in office by XXXX 's Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX Parish Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone : XXXX Fax : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX
Product: Credit card or prepaid card

I filed a couple disputes with transact XXXX XXXX card on XX/XX/21 for {$1400.00} XXXX was XXXX of them and there were few more but they closed my account within day or XXXX and just denied my dispute without reason.i filed it in timely matter and these were not my transactions .I told them they were possibly my XXXX XXXX who came home from prison and if so I will press charges to the full existent of the law.But I was just shut down with no reason or anything .I just found out about you guys that's why I'm now addressing matter again..XXXX is the reference XXXX.
Product: Checking or savings account

I was overdrawn in my Regions Bank account only {$6.00} and when I woke up I was overdrawn {$78.00} due to an overdraft charge of {$72.00}. Previously I have been overdrawn and was only charged {$36.00}. My complaint is that the fees change and dont make sense, I spoke with someone at the bank the last time and was told that an overdraft is applied to each transaction but the amounts still did not add up. I have also been charged {$100.00} in overdraft fees when I was overdrawn {$60.00}.
Product: Credit reporting or other personal consumer reports

Lies told and Criminal Activities by XXXX on XXXX, Experian, XXXX that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won billions of dollars for students that attended XXXX XXXX during certain XXXX XXXX At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX XXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated XXXX with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for Navients ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX and XXXX sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? XXXX continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went into XXXX XXXX XXXX XXXX  to purchase a vehicle because the salesman XXXX told me I was approved upon a {$5500.00} down payment after I previously had provided all necessary documents to purchase the car. The bill of sale for the vehicle was never given to me and after several failed attempts the dealership refused to give me the paperwork for the purchase of the car after I put the money down. I paid {$500.00} of the {$5500.00} with my Cashapp account to purchase the vehicle so I've disputed the transaction with my financial institution as well as Cashapp and cashapp denied the dispute and the dealership is not cooperating to refund my money.
Product: Mortgage

Loan Application for a HELOC was started approximately XXXX weeks ago. After numerous delays we cancelled the application on XXXX XXXX XXXX. 

We then applied for a refinancing with XXXX XXXX due to a better interest rate and faster service. After less then a week we were approved by XXXX. XXXX just needed " proof '' that we have terminated our loan application with Wells Fargo. 

Wells Fargo originally stated that they can NOT terminate the application for XXXX weeks. Then, when we told them about XXXX needing a " termination '' letter Wells Fargo said we could NOT get a letter for at least a month. 

We are now jeopardy of loosing our {$10000.00} we put down as earnest money on a property we are buying. 

Wells Fargo is behaving like a mad child and we do n't think it is right. 

The XXXX loan officers involved are XXXX XXXX, NMLSR ID XXXX, Phone number XXXX XXXX XXXX, XXXX ID XXXX, Phone number XXXX ext XXXX Wells Fargo Application number : XXXX
Product: Credit reporting or other personal consumer reports

Previously filed a complaint due to in accuracy on credit report.


Company has still failed to report accurate information regarding payment statuses on this account. Previously did not pro
vide validation of debt within 30 days as required.

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses.

Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so.

Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time.

Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act.

They have had numerous times to get this account corrected and have failed to do so.

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action.

The creditor must also provide a free copy of the updated report. Which did not happen previously.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion are reporting FALSE INFORMATION on credit reports in which they are adding XXXX to my personal credit report allowing all 4 corporations to commit FRAUD reporting FALSE information. REMOVE XXXX from ALL REPORTS PERMANENTLY, YOU ARE IN VIOLATION OF MY CONSUMER AND CIVIL RIGHTS
Product: Consumer Loan

when I got the loan in XXXX 2015, I told the dealer that a due date of the XXXX would not work for me can I change it. They told me yes contact Ally and they will change it. When I spoke with Ally I asked about changing due date, they told me to make XXXX payment then they would. I inquired again on their website and was told to call. The agent I spoke with said it was changed and I had to pay a fee of XXXX for the change. She did n't say when, said I would get it in the mail. Today XXXX/XXXX/2015 I have been called by Ally collections XXXX times and it is only XXXX am. I spoke to them on the last call and the agent told me I have to pay now, today or it wont go through. I told her that was why I changed dates so it wont be late anymore. She kept pressuring me to pay now, or this week. XXXX I was never told of the change fee originally, XXXX if my due date is not until the XXXX now why are they calling still asking for me to pay. I explained to the girl today that XXXX of the month I have rent, utilities, other car payment, insurance and there is just not enough to pay the XXXX payment. the middle of the month is good for me and I can pay then and not be late. She would n't listen only pressuring me to pay now and said I would have late fee if I do n't pay. How can I have late fee on something not due yet? On top of that Ally uses off shore people to handle their calls and they do not speak XXXX very well. Hard to understand them and they can not understand you. I could tell she was just reading from script. I am trying to save everyone time and money by changing dates but they are making it very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I had an account with Wells Fargo since XXXX I believe. But once Covid hit my account was completely out of balance and hard to get back on track. Because of this I stopped many payments I had coming from the account. But I could never catch up and when I went to see why it was because Wells Fargo was allowing payment after payment to go through with no money in my account and then charging me fees and overdraft fees and more fees. I begged them over and over again to please stop allowing transactions through if the money isnt available. And it continued and got worse. To the point where I couldnt access my checks. Once they hit the account they were gone all to fees. I couldnt pay my mortgage and almost lost my home. I had to ask my mortgage company for assistance. I couldnt take care of my family because all of my money went to fees of all kinds. Wells Fargo didnt care at all. They did nothing to stop it. Claiming it was to help me so things could get paid but I asked them to stop and they still did nothing.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigations of disputed information on my credit report, leaving inaccurate or unverifiable accounted unresolved. The consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed despite the evidence i provide .causing ongoing harm to my credit standing. .I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my right as a consumer
Product: Debt collection

Not my account and unaware of it. Did not receive any mail to dispute account. Please provide method of verification, validation of debt and assignment of debt for this account. Please certified mailed delivered wit tracking number. 

TRANSWORLD SYSTEM INC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These non account INQUIRIES are unknown and unauthorized. IN violation of FCRA Consumer Laws. CHEXSYSTEMS has no permissible purpose to furnish this private information. Nor can someone's credit be pulled without a FIRM OFFER of CREDIT. As Congress STATES. 
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