23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past fifteen years, we have encountered numerous problems with the mortgage services offered by Wells Fargo. On XX/XX/XXXX, I discovered misplaced correspondence dated for XX/XX/XXXX from Wells Fargo regarding a previous account that was transferred to Wells Fargo in XXXX. Enclosed in the envelope was a letter that explained an overpayment of Private Mortgage Insurance ( PMI ) and a check for {$2700.00}. Prior to our refinance with Wells Fargo in XXXX, several attempts were made to eliminate PMI. On XX/XX/XXXX, the letter stated the LTV as 87.8 % and XX/XX/XXXX the LTV was 87.6 % with a required LTV of 80 % to eliminate the PMI. However, conflicting information was later mailed on XX/XX/XXXX and XX/XX/XXXX and the LTV changed to 65 % to eliminate the PMI. Although we continuously challenged the telephone representatives about the disparities and were denied a loan modification more than once, we refinanced the loan just to afford the payment. On XX/XX/XXXX, I reported my complaint to the Wells Fargo Board of Trustees via email. I was contacted by Case Specialist, XXXX XXXX who stated he would investigate the complaint. Upon discussion, I advised him that my account was poorly managed and the compensation did not reflect the additional debt incurred during our XXXX finance. If the PMI were deleted on XX/XX/XXXX before the refinance on XX/XX/XXXX we could have avoided unnecessary debt. However, based upon his letter dated for XX/XX/XXXX he did not agree with my assessment of this seven year delayed action.
Product: Credit card

Identity theft, someone got an American Express card. A lawyer from XXXX named XXXX XXXX. This lawyer has been sending threatening emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - Loan Care was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 which 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

I CONSUMER entered into a consumer credit transaction with XXXX XXXX  XXXX of 2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX sales took cash. The finance charge is supposed to include insurance, but XXXX XXXX  sales made me purchase insurance separately. They Failed to disclose in the contract that this is an attempt to collect a debt XXXX USC1692e ( 11 ). They also failed to send me a written notice containing information listed under 15 U.S 1692g ( a ). I reached out to GM financial and XXXX because, GM financial is requesting payment, but my contracts has XXXX  as the lender. As a consumer I sent in a debt validation letter, Affidavit of Truth, and Cease and Desist they received my package but failed to respond to the information in the packet. They are in violation of 15 USC 1692e false representation of the character, amount, or legal status of any debt. Any debt that is owed should be in the negative ; throughout my contract payments are listed in the positive. The finance charge is the sum of all charges I'm supposed to pay which is {$6300.00} cents to XXXX XXXX XXXX. Why am I being charged XXXX from GM Financial. They violated 15 USC 1692 harming my Reputation by reporting inaccurate information to my credit report and the FCRA 15 USC 1681 states that my credit is my reputation. They harmed me and my property by sending someone to remove my vehicle off of private property without my consent. GM Financial and XXXX XXXX XXXX is in violation of 15 USC 1692 j for designing a contact that is used to create false belief in a consumer. GM is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails. I reached out to Gm Financial more than once to resolve this matter but they failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX     XXXX    XXXX    XXXX , IA  XXXX   RE  : Complaint Against   XXXX   XXXX   and all  XXXX  major credit bureaus To Whom It May Concern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased  a sofa with ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ). Not only did I pay off the balance in full, I paid it off in 60 days instead  of 90.  I also have a Certificate of Ownership and a receipt from  XXXX    XXXX    that certifies that I own the  sofa and ottoman o utright.     From the beginning, it appears that  XXXX   XXXX  assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my Experian credit report ).     The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for t he sofa & ottoman before  taxes and delivery fee. I put down over {$200.00} plus taxes and delivery paid to  XXXX   XXXX . I paid the initial, monthly rental payment almost  2  months prior to th e  XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX . I   demand that  XXXX   XXXX  report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score  when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.
Product: Vehicle loan or lease

I had fallen behind on payments so I was offered a payment plan by bridgecrest in XXXX. It took my past payments due and broke them up into smaller payments to be added to my current payments so it could be caught up. Even though this arrangement was met and payments are being made as agreed they are still reporting to the credit bureaus XXXX  day late payments unless I pay them all of what is owed by the end of the month. This idnt the first time its happened and Ive paid over XXXX dollars on this vehicle and my principal has only gone down s couple XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were fraudulently added to my credit file without my knowledge or consent. As such, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my XXXX XXXX by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against XXXX. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did XXXX. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX  by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. 

XX/XX/XXXX, a credit card was taken out fraudulently in my name at USAA Savings Bank. The account was closed and charged off {$640.00}. USAA has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. USAA Savings Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you USAA! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, Equifax and XXXX  still report the accounts. Also XXXX XXXX closed the account on behalf of XXXX  cause because I sent the proper documents to prove it was an fraudulent account, Equifax still list this debt as well.
Product: Mortgage

I found out I have XXXX ( XXXX ) and contacted my mortgage company to find out my pay off price as I will be having alot of Hospital bills and I do not want to get behind in my house payments. They responded and I had to liquidate all my stocks to pay off house and money for bills. I sent them a cashiers check to pay off the house and they just called me and told me that they put my check into an Unsecured Fund instead of paying off my home. They are demanding I send in a house payment and late fees even tho they have the check to pay off house. Plus late fees. They are purposely. holding the check to extort more money from me and I can not spare another house payment my husband and I are on Social Security. Please help.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i notify EXPERIAN XXXX XXXX XXXX of violating the fair credit reporting Act.. 
After nearly XXXX  year of back and forth of reporting litigation inaccurate fraudulent accounts/ closed and charges off accounts that werent mines/ Deliberately misleading me on Fake falsify verified information / and investigation that never happen according to consumer credit protection act 15usc 1601 - 15 usc 1693 XXXX Fair credit reporting act 15 usc 1681 I sent police reports/ certify mail These agencies has caused stress lose of lively hood Experian report # XXXX Data beach report # all my information was compromised by EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXXXXXX 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 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
Product: Debt collection

On XX/XX/2021 I entered into an agreement with XXXX resurgent to settle a debt from the creditor, XXXX XXXX. I entered an arrangement to pay {$310.00} a month for four months. ( XXXX XXXX, 2021 XXXX however, in XXXX I could not make the payment, I asked the XXXX resurgent if I could resume payment in XXXX. They said no. They said that I would have to set a new settlement and payment arrangement. They told me in order to do this that I would have to pay {$50.00}. I paid the {$50.00}. The agent called me back to set up a new settlement a few weeks later. However, the company went ahead ant took {$310.00} out of my account during the month of XXXX, 2021. This was after they told me that my settlement agreement was voided due to the XXXX missed payment. Also, when they called for a new settlement, they did not factor in any of the payments that had been made. They attempted to reach a settlement for the original amount from XXXX  XXXX. And not the four payments of {$310.00}. 22
Product: Mortgage

To whom it may concern, I am writing you because XXXX XXXX XXXX has giving me a hard time trying to apply for a loan modification. It is more than 6 months trying to get help save my home. 
I called XXXX XXXX XXXX who is my lender asking for help because the 3rd income that I had moved out and that cause a big hardship on our income. 

Now we are 4 month behind and XXXX XXXX XXXX trying to get a loan modification, XXXX XXXX XXXX keeps telling me that they are not going to help me because the Investor of my loan is out on vacation and returning until XXXX. 

This is ridiculous to me since its almost 1 year seeking help and still no results. 

Please help. 

XXXX XXXX
Product: Mortgage

We have sent XXXX qualified written requests to our mortgage holder/servicer and have not received the requested documents to date. 
Verbal confirmation not written was given that they did receive the requests. 
Original request was XXXX XXXX, XXXX Notice of second request was sent XXXX XXXX, XXXX On XXXX XXXX, XXXX we received a packet with loan documents for a XXXX XXXX out of XXXX, XXXX. 
Rather than receiving any written confirmation of receipt we were notified to fill out forms for loan Modification Each time we asked our rep or customer service person for the status of the written request we would be told it was in the file and they would have to transfer us. We were hung up on so many times and during that time the loan was transferred from Greentree to Ditech. 
We sent and confirmed another request on XXXX XXXX, XXXX. 
Since Ditech has taken over the loan our customer service person has changed 5 times in less than three months. We were also told that our loan modification consideration was stopped in XX/XX/XXXX when they determined there was a unfulfilled qualified written request on file. 
We now have received a Notice of foreclosure and have still await qualified written request documents. 
On XXXX/XXXX/XXXX we again sent a qualified written request ( this would be XXXX in total ). We are trying to work with the XXXX Save our Home Program and need documents to provide for consideration.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the date of the last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on TransUnion its ( XX/XX/XXXX ) and on XXXX it's if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 
Account XXXX : XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

Bank of America Credit Card Services has on multiple occasions in one year charged {$1.00} interest on a XXXX balance. I have continued to call multiple times, each time they remove the fee and apologize for inconvenience, but yet do the same thing each time I have paid a balance and have a XXXX balance. Bank of America is deliberately charging customers {$1.00} on XXXX balance, is aware of the issue, but does nothing until a customer calls in and complains.
Product: Vehicle loan or lease

West lake financial failed to provide the documents necessary when requested to prove this was my debt.
Product: Debt collection

I recieved a collection of {$450.00} on my credit report for a delinquent account from XXXX XXXX that is not mine. I had no knowledge of and no contract for this account. I disputed the account but the company verified it as accurate even though i have never signed or spoken to anyone at the company.
Product: Credit reporting

XXXX XXXX is reporting a collection account from XXXX on My XXXX, Equifax, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX  XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted XXXX  XXXX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services.

I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Checking or savings account

6 months ago I put through disputes. They never credited. 2 weeks ago I put through disputes. They shut only card and never sent new card at all.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE XXXX XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME 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 THESE EMPLOYERS DO NOT BELONG ON MY PROFILE XXXX XXXXXXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wi

th 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


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