23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We requested forbearance on our property in XXXX of XXXX. In XXXX of XXXX, we completed the online form ( per mortgage servicer 's request ), to remove the forbearance and do a loan modification on the file. We were told to expect documents to sign off on within 30-45 days. Since then, we have called in at least 30-40 times ( 2-4 times per week ). We've requested an escalation of our file a half dozen times. We have spoken to dozens of supervisors, " customer allies '', etc trying to get them to move on this file, and we still have not made any progress. We are beyond upset and frustrated. The company keeps telling us that the file is in underwriting or with the attorney 's office. Sometimes they say the documents are being XXXX  XXXX to us, and other times they say that the file has been escalated internally. It's been 7 months. They finally told us our documents were ready, and we'd get an email within 48 hours with them. It took 3 more calls and 8 days later before we received those documents ... that were dated for XX/XX/XXXX with a submission deadline of XX/XX/XXXX. We received these documents on XX/XX/XXXX. This is unacceptable! We don't know where to turn for help, but this company is holding this house hostage! We can not sell it. We can't refinance. We can't buy a new home. We are trapped under this pile of incompetent bureaucracy and need SOMEONE to PLEASE help us and do something about this.
Product: Credit reporting or other personal consumer reports

The attached information is not mine and I never inquired with that company. As per 15 U.S. Code 6802 No financial institution can share your non public information with a third party entity. The credit bureaus are a third party entity.

Debt Collectors are 3rd party entities. I am requesting that the following Information is removed from my credit report. This is not mine and if the credit agency is going to do an investigation I want proof that this account is mine.
Product: Credit reporting or other personal consumer reports

I received a a yearly credit report XX/XX/XXXX, and I see that XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after XXXX and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and ( Better Business Bureau ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Experian are reporting my XXXX XXXX XXXX mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX  XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX  XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Proper Investigation of Disputed Credit Report Errors To Whom It May Concern : I am writing to formally address Experians inadequate and sham investigation of the disputes I submitted regarding errors on my credit report. Despite providing detailed evidence and documentation to support my claims, Experian has failed to conduct a reasonable and thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

This letter specifically concerns the following erroneous items that remain uncorrected on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Your response to my dispute ( s ) demonstrates an egregious failure to comply with your statutory duty to conduct a reasonable reinvestigation. Experians apparent reliance on automated verification systems ( e.g., e-OSCAR ) without genuine review or analysis of my submitted evidence constitutes a sham investigation. This practice fails to meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Experians Failures Include : Failure to Properly Investigate : The lack of engagement with the supporting documentation I provided shows that Experian conducted a perfunctory and ineffective review. 
Failure to Correct Inaccuracies : The disputed items continue to appear on my credit report without justification. 
Failure to Comply with FCRA Requirements : Experians actions violate 15 U.S.C. 1681e ( b ) ( requirement to maintain accurate credit reports ) and 15 U.S.C. 1681i ( a ) ( requirement to conduct a reasonable reinvestigation ). 

Legal Action Warning If Experian does not resolve these disputes immediately, I will have no choice but to escalate this matter. Specifically : 1. Within 10 days, Experian must : Conduct a proper and thorough investigation of each disputed item. 
Provide a written explanation of the investigation methods used. 
Correct or remove the disputed errors from my credit report. 
2. If these conditions are not met, I will pursue all available remedies under the FCRA, including filing a lawsuit for : Actual damages caused by harm to my creditworthiness.

Statutory damages for noncompliance.

Punitive damages for willful violations.

Attorneys fees and costs.

This letter is both a formal dispute and a demand for immediate corrective action. Experians continued negligence and failure to act will result in further liability. 

I expect Experian to take this matter seriously and fulfill its legal obligations under the FCRA. Failure to resolve these disputes adequately and promptly will leave me no choice but to escalate the matter legally and notify regulatory authorities.
Product: Mortgage

My credit report is still reflecting late payment, however, I was modified and have been current on my loan for awhile now. Creditor agreed to remove all late payments with one being a bank error. Creditor keeps delaying the update although they have promised multiple of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were reported and need to be removed. I have no knowledge of these inquiry dates or the inquiries. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed twice same day 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. All three Consumer Reporting Agencies ( XXXX, XXXX, and Equifax ) are violating my Federally Protected Rights. Everything has to be 100 % accurate on my Consumer Report. 
See the attached Tri-Consumer Report with Various Inaccuracies.Further, I demand each Account and each Consumer Reprting Agency to produce the Written Consent that I signed and agreed to allow them to Place ANYTHING on My Consumer Report. WITHOUT IT, THEY ARE ALL IN VIOLATION OF MY PRIVACY AND FEDERALLY PROTECTED RIGHTS Accounts : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted multiple complaints with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights and costing me dearly. 

To continue reporting these Accounts after this would be another Violation. 

Willful NonCompliance 15 USC 1681n I will seek monetary relief.
Product: Debt collection

XXXX  XXXX is saying that I owe them money on clothes they say they delivered, and left outside my apartment. However I told them that they can not leave clothes outside of my apartment. I am a XXXX  XXXX  and I am gone multiple days at a time throughout the month. I live in XXXX IL and in my neighborhood if you leave boxes or any mail outside for more than a couple days it is highly likely someone will steal it. Which is what happened multiple times. 

XXXX  XXXX is saying that they put a credit hold on my credit card because they believe I owe them money for purchases that I never received. 

I talked to them multiple times and told them that I can not get clothes delivered to my address because I am not home half the time. I have been using their pick up at store option or signed delivery and that works fine. 

However now they just informed me that I owe them money on the clothes that I never received because they left them outside my house. This is preventing me from using my XXXX credit card, and also they say they will not let me order from them. 

I need them to not charge me for the clothes never received and to let me continue the option of using the credit card at the store, or with a signed deliver confirmation, or pickup option.
Product: Credit reporting or other personal consumer reports

I viewed my consumer report and noticed inaccurate and inconsistent information with the bureaus. The payment history, recent payment, balance, and status they are reporting for this account dont match my records. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible.
Product: Debt collection

This debt was disputed and resolved. It was supposed to have been removed from my credit bureau reports ( ALL ) and has not yet been removed and is causing harm to my financial stability and security. I demand this be removed immediately.
Product: Credit reporting or other personal consumer reports

According to the XXXX data breach my data was effected. My information was bought and sold without my permission or consent. Because of this data breach I want the accounts listed on the attachment deleted immediately. XXXX, XXXX, and experian has not responded to any of my documents sent to their company via mail. Can you help me remove these items? Because of this data breach I was charged 10.74 % APR on my car loan. I was denied access to purchasing a home and denied credit extensios. XXXX XXXX and experian all need to delete the items that are attached. I sent letters to all three companies with no response or actions.
Product: Checking or savings account

On XX/XX/2018 I went to deposit cash into an atm that is located on XXXX XXXX in XXXX, PA. It was inside the lobby. The machine kept saying it could not accept the cash, and kept spitting it out. I have had multiple problems with PNC 's atms!! And this one in particular was even replaced, and the still have the same issues!!!!!!! I did not try a 3rd time because in the past the atm ate my debit card, and it was a MAJOR HASSEL TO GET IT BACK!! I called thier customer service, and they supposedly reported the issue and he refused to send me an EMAIL CONFIRMATION OF OUR TALK, AND HIS PROMOSE TO REPORT THE INCIDENT. That was very unprofessional also! So I literally have no proof that he even noted my account of the incident. However, this time I was smart, and took a photo of the atm, when it said it can not process the cash deposit. 
Now my account has 4 overdraft fees!! I want those reversed NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. all data is not valid. this is causing alot of errors on my credit report. please delete an remove the information listed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are failing to update my information correctly, In XXXX I filed for XXXX XXXX and they re-aged the discharge and reaffirmation on some of the cards that should have dropped off since the discharge was 7 years ago. 

Because of their errors XXXX XXXX XXXXXXXX closed both of my accounts that I had since XXXX and XXXX respectatively - XXXX  ending XXXX and XXXX. 

First because of the error XXXX  XXXX XXXX reduced my credit limit from XXXX to XXXX and XXXX on the card ( s ) which bumped up my utilization from 10 % to 90 %, Because of the error then XXXX XXXX XXXX closed 2 cards which have been paid on time for years and still have open balances. 

These CRAs should be monitored or eradicated from having the ability of providing consumer information that is incorrect to the Financial Institutions. Thanks to their inaction my credit dropped from GOOD XXXX to POOR XXXX after it took me almost 7 years to build up my credit. 

The bureaus also have failed to drop off old inquiries that have expired making it seem I have more inquiries than I have.
Product: Checking or savings account

I have been having continued issue with Cashapp since XX/XX/2022. First, on the date of XX/XX/XXXX or XXXX money was missing from my account. There was absolutely no explanation or purchase which resulted in approximately $ XXXX {$89.00} dollars missing. For XXXX weeks I fought this with them and they never helped and I never saw my money again. I provided them with info, screenshots, with everything to prove what was happening and they did nothing. Second on XXXX XXXX I had an unauthorized charge from XXXX on my cashapp card for the amount of {$16.00}. Ive been disputing this for 2 weeks and I get a denial email everyday. I dont know what information they use to come to the conclusion that it was not a fraudulent charge. Then I got a charge from XXXX for {$14.00}. Again no purchase no subscription. Ive contacted the merchants and XXXX cant even find a proof of purchase of any order because nothing was bought. XXXX also expressed concerns about why cashapp is constantly allowing their clients to get robbed. I know that its small amounts but its not about the money. I mean right now the amounts are small but how far will cashapp take this. Theyre not protecting their clients and they definitely dont give us the support we need.
Product: Credit reporting or other personal consumer reports

Dept of Ed/ Nelnet student loan has been forgiven but this loan still shows on credit report
Product: Vehicle loan or lease

In XXXX of XXXX I went to XXXX XXXX XXXX located on XXXX XXXX XXXX here in XXXX ny to purchase a vehicle upon arrival I noticed a XXXX XXXX XXXX sport with XXXX miles on it with a price of {$7900.00} that I was interested in I spoke with the XXXX gave him a {$3000.00} down payment in cash he ran my credit at the time it was horrible XXXX score and he told I got approved with XXXX XXXX XXXX  for payments of {$220.00} a month totaling to {$12000.00} total for the vehicle I signed and when I got home and I went over contracts and paperwork and noticed I was paying outrageous numbers in interest by then it was too late XXXX years later now I am at a balance of {$800.00} ive paid my loan down faithfully because I never wanted to get repossessed this is my first time ever as a single mother financing a used vehicle at that and I know I got scammed horribly when I called auto dealership to speak with owner about this issue I was told by her its all my fault I should have read between the lines over the phone I am devastated it wasnt until a few days ago I saw XXXX is suing credit acceptance for wrongful charging customers high interest rates for years I am a victim please help me I would like my account reviewed investigated please help me I would like a full refund of amounts I was over charged I shouldnt have been ever paying for and I would like my remaining balance erased so I no longer have to keep paying the outrageous interest fees please help me thank you!.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed XXXX and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to XXXX XXXX to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Product: Credit card

I've always made sure that payments on this account are made on time, never letting them become overdue. However, I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

In  XX/XX/XXXX  we initiated a Modification of our mortgage through Bank of America and the Making Home affordable program.   We received a letter  XX/XX/XXXX , that The Home Affordable Modification Program " Has expanded its Pay for Performance incentive to include an ADDITIONAL {$5000.00} payable after the six year anniversary of your Trial Plan Effective Date.   We were very excited to receive this letter, however, Noticing it says " additional '', I looked up the   XXXX   XXXX   XXXX  , To see what the incentives were and found that we were to receive {$1000.00} per year for each of the first five years of our modification if we made our payments on time. We did not receive, so I called in  XX/XX/XXXX  to inquire as to why we did not receive the {$1000.00} per year, each of the first five years. We did receive it in  XX/XX/XXXX .   Now, our sixth Anniversary of o ur Trial plan has come and gone and I have reached out four times to four or five customer service representatives to inquire about the " Additional Incentive '' and have been told three different reasons  why it has not been applied to our mortgage. According to   XXXX   XXXX   XXXX   It says Through the Home Affordable Modification ProgramSM ( HAMP ), you could earn up to {$10000.00} in principal reduction just for making your mortgage payments in full and on timeup to {$1000.00} per year for the first five years and a {$5000.00} one-time payment at the end of year six. After year  six,   yo u may be  eligible to recast ( or re-amortize ) your reduced mortgage balance to further lower your monthly mortgage payment for the life of the loan.   We were also told we qualify for the incentive, but have to Recast the mortgage to receive? According to the  XXXX   XXXX  and   XXXX   XXXX    Bulletins, We may b e " offered '' to Recast, but it is not mandatory to receive the second incentive. We were told it was by a Bank of America Representative  (   XXXX   ) i n the  XX/XX/XXXX  call, recorded by your company at  XXXX   XXXX .   Any help in solving this issue, is greatly appreciated.
Product: Checking or savings account

Someone stole a check that I had written and made a counterfeit version of the check. They wrote a check to someone that I do not know for {$9800.00} on XX/XX/2022 XXXX Someone at Truist cashed it.
Product: Credit card

I applied for the SoFi Unlimited 2 % Credit Card on XX/XX/2024. I was denied a credit card due to insufficient credit activity. I called SoFi customer service and they said they don't have any specifics on why the system gave that decision. When I pulled my XXXX credit report by using the adverse action right, it showed I have a credit score of XXXX out of XXXX, with XXXX credit cards with balances that are paid off in full every month. One of the cards I have had and used for over XXXX consecutive years. My application ID is XXXX. I would like to file a complaint over discriminatory lending decisions based on actually having great credit. In my opinion, the program SoFi uses is biased towards predatory lending practices and favors those they can take advantage of.
Product: Debt collection

I have been contacted eight times via telephone call and one time via text message in the last 36 hours by Comenity Bank regarding a payment that is one week late. Under regulation f, they are breaking the 777 law. Which states that a debtor can not be contacted more than seven times within seven business days, or 7 days after contact has been made. They continue to harass me.