23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am having difficulty getting CMC Funding to apply my payments properly. 
I always overpay my monthly bill to reduce the principle faster, and therefore pay less interest over the term of the note. 
I will attach to the complaint proof of my payments and the monthly statements from CMC Funding. I will also attach a spreadsheet showing each payment and how much should have been applied to principle from each. 
If you examine the statements from CMC funding you will see that my they put money into something called suspense. And, if they are applying my payment properly, how could my payment due XX/XX/XXXX be negative {$500.00}? 
I have called them repeatedly about this, and they claim they will correct it. I have asked for, and spoken to, a supervisor at CMC Funding, and was told every time they would correct the error. And then I get the next statement and it is still wrong. 
I think they are deliberately applying my payment wrong to charge me more over the life of the loan. If this is not illegal, it should be. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX XXXX
Product: Debt collection

I am writing to address the presence of fraudulent accounts on my credit report, specifically linked to XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I believe these accounts are the result of identity theft.
Product: Credit card

I have not received my 3 new replacement cards from last XX/XX/ still waiting to talk to them from XXXX XXXX XXXX XXXX XXXX gave me the run around about replacing the cards two have {$0.00} and the other have {$900.00} on it are about it. Had more paper to lound up but it was two big and two round-up.
Product: Student loan

I am currently paying student loan payments through FedLoan Servicing. I am applying for public service loan forgiveness. I have have direct federal loans. I initially had student loans through XXXX XXXX. When I submitted my employment certification form, my student loan servicer changed from XXXX XXXX to FedLoan servicing. Fed Loan has only counted my student loan payments paid through their company toward my PSLF. Despite, having 4 years of prior payments that would count toward PSLF made with XXXX XXXX. I have called several times to have my qualifying payment counts corrected. However, it has been well over a year and FedLoan has yet to update my payment count.
Product: Consumer Loan

I was only 2 weeks past due and an employee left me a voicemail and then when she thought she hung up she said " I am going to call her at her job '' a girl in the background said " who '' and then she said " XXXX XXXX XXXX '' I have the recording of her saying this. I then called them back and stated I was filing for Bankruptcy and then an employee told me that she would still garnish my wages if I did n't bring in a payment. They have called me every single day and left me voicemails. I just now have turned into a 30 day account and they are collecting on me like I am over 180 days. I work for a XXXX company as well and that is not how you treat customers. Especially ones who have always been current for 2 years and have just run into a hardship.
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX and Transunion with updating and deleting old addresses. I've sent by mail ( certified ) with supporting documents ( lease agreement, Drivers license, and utility bill ) stating my updated address. Nothings changed on my credit report. I've mailed out my documents mid XXXX, 2024.
Product: Debt collection

Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX NY XXXX has reentered a collection account on my credit report that was removed by them in XXXX XXXX. This is the same account from XXXX XXXX XXXX from XXXX XXXX for the amount of {$600.00}. This account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX. I have previously reported this account to the CFPB in XXXX XXXX and received confirmation that the account would be removed from my credit file from XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX. The account was removed by has since been reentered on my credit file on XXXX XXXX, XXXX. After being denied credit recently I checked my report to find that this account has been entered once again on my credit report.
Product: Debt collection

An unknown company with an unknown date reported some payday loan or something that is not mine to XXXX  and XXXX on XX/XX/XXXX. I filed a complaint with both credit reporting agencies with supporting documentation and XXXX removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by this time
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. $ 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call on my home phone on XXXX/XXXX/2016 from a foreign sounding woman claiming to be from Midland Credit Management, stating that they were debt collection agency and that I had an account with them, originating from a XXXX XXXX Bank and that I had a balance of over $ XXXX and had a payment arrangement that I was NOT honoring. I told the woman I had no idea what she was speaking of and this was the first time I was hearing of this. She knew my information and continuously tried to get me to confirm it but I refused. I checked my credit report right away and seen no such thing. I ended up hanging up on this woman so I could look into the matter. I then looked up the company and called their toll free number. A foreign sounding man answered and repeated the same process with who they were and they collect debts. This time I did give my social security number but absolutely nothing came up. Then I gave them my address and after being put on hold, this man began coming up with a bunch of different accounts that I was in the dark about and asking how I was going to take care of these. I did not agree that they were mine and hung up as his tone got very nasty with me. I do n't know who these people are, their website seems legit, but I do n't appreciate receiving harassing phone calls for debts that are NOT mine. I was also forced to keep providing and MCM account number, which I do NOT have and have no reference to anything of the sort.
Product: Checking or savings account

Wells Fargo will not comply with my requests to obtain my lawsuit award monies from unauthorized fake accounts and unauthorized bank charges. Unwanted calls and infrigment of my life. 

Wells Fargo has All Documents regarding my account opened in XXXXXXXX XXXX 
I resided in XXXX XXXX  XXXX and XXXXXXXX XXXX. Wells Fargo has all documentaion, which I provided to settle this lawsuit. 

XXXX XXXX provided my State of XXXX XXXX XXXX. Wells Fargo has my new XXXX of purchase with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX. SS XXXX XXXX XXXX There is no further need to verify my identity. This is a continual complaint. This is harassment and is unwanted. 

I have been provided phone numbers that no one answers at Wells Fargo and harassed continually by Wells Fargo, which is abuse. 
I have provided every document to Wells Fargo per request. The State of XXXX  and the United States Federal Goverment also has the same documents which has been provided Wells Fargo. 

Also, ( XXXX ) is an inoperable phone number to contact XXXX XXXX Executive Office Case Specialialist provided by Wells Fargo. I called several times before XXXX am Central time. All calls failed to this number, Documented time in XXXXXXXX XXXX is XXXX. 
XX/XX/2022. In the past when I requested financial assistance I was provided numbers where this was noted. No bank associate responses back.
Product: Checking or savings account

I filled a regular & a fraud claim about my money missing from my account. The back is yet to tell me who it went to, what account/bank or name. No Information has been provided to me & Im being told Ill never get my money back. Agents are hanging up on me whenever I call. Im seeing the money being transferred out but I dont know the person & never authorized this transfer. If my card didnt declineI wouldnt know my money is gone. When I checked my account after trying to do a purchase I saw these large transactions. Im battling identity theft now my money starts disappearing.
Product: Credit reporting

Equifax is ignoring my many requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Debt collection

I am writing to file a formal complaint against Credit Corp Solutions for multiple Fair Debt Collection Practices Act ( FDCPA ) violations. Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : XXXX. Unauthorized Debt Acquisition : They acquired debt from the original creditor without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XXXX XXXX XXXX, I sent a written request to Credit Corp Solutions requesting verification of the alleged debt they were pursuing against me. However, the agencies failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Credit Corp Solutions, I explicitly instructed them to cease communicating with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued collecting efforts, including phone calls and letters, disregarding my rights under the FDCPA.
Product: Checking or savings account

I requested bank statements from Bank of America from XXXX to XXXX they refuse to give them to me due to the fact that they know that there was five committed on the account that I have complained about and they would not give them to me they sent me XXXX through XXXX even though I didn't order those and charged me {$180.00} they still owe me {$590.00} from the last claim that claimed they didn't give that back to me either they gave me {$2500.00} of the {$3000.00} owe
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( XXXX ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to XXXX and TransUnion, using an invasive entity called XXXXXXXX XXXX XXXXXXXX XXXX XXXX another cartel ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud C # 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 XXXXXXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the U.S. District Court. My information was also posted publicly ( I am a victim of identity theft ) on a private XXXX XXXX XXXX website called XXXX - part of the long list of illegal XXXX activities from this " XXXX '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with XXXX requesting more information on the XXXX inquiry however XXXX never responded with the contact information details. 

XXXX Tops List of Banks Who Received Federal Aid - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dollar government bailed out XXXX and XXXX XXXX XXXX  XXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out XXXX along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX XXXX. XXXX dollar government bailed out XXXX along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute on XX/XX/18 with XXXX for inaccurate information showing on my credit report ( dispute report # XXXX ) from West Lake Financial for a Auto loan on a XXXX XXXX XXXX. 

West Lake place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to XXXX  that the account was always in good standing from inception to close but for some reason I don't know why XXXX will not remove the Delinquency from my report. 

I called West Lake and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.
Product: Credit reporting or other personal consumer reports

Fraudulent & unauthorized inquires are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX according to 15 U.S.C 1681 law there should not be any damages on my credit report, it is defamation of my Character. 

Fraudulent account listed on credit report : XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX have no knowledge about any of the items listed above and these should be removed immediately. I am in the process of trying to buy a home and noticed these negative items on my credit report. In contrast I filed an identity theft report and it is attached.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Equifax is reporting an address I have never lived at. They are also saying I am unemployed. I am employed full time.
Product: Credit reporting or other personal consumer reports

I have continuously asked XXXX to remove the erroneous information regarding a phone number that is used to contact me which is not my number nor have I ever had this number that they keep listening on my credit report for the personal statement the phone number they keep putting on my credit report is ( XXXX ) this is not my phone number nor has it ever been and somebody has been hacking and tampering in and I am a victim of identity theft they have put this phone number across all three credit reports I reported it to XXXX they still refuse to remove it even after I made a statement they took it off XX/XX/XXXX I got an alert from one of my other credit monitors stating that was removed and I never requested it it has no expiration date my personal statement and I have proof I would like to submit copies of what they're posting my phone number is XXXX and has been for years and it's the same number that's in my profile experience is assisting these people in targeting me they have a leak in their system
Product: Mortgage

United Whole Sale Mortgage was a nightmare to work with and even now, after my property was sold, they continue to move extremely slow with providing good service and adequate timing for their processes. My property closed on XXXX XXXX XXXX for {$550000.00}. My realtor and her team would submit ALL requested documents from UWM and they would tell us that we had to wait 3-5 business days to hear a response because they only had one individual working short sales for the company. In short, UWM falsely reported that I did not pay the agreed amount of funds for my short sale which is extremely in accurate. I reached out to UWM during the first or second week of XXXX XXXX  asking what happened and why they reported the false material to the credit bureau and all the representative could tell me was I dont know. That representative tried contacting XXXX XXXX ( the sole individual for UWMs short sale department ) and didnt get a response. I even emailed XXXX along with my mortgage team and XXXX never responded. Even after the transaction happened around XXXX XXXX XXXXXX/XX/year>, UWM had a delinquent amount on my account, so I messaged them through UWMs chat and explain that the documents/funds that they say were delinquent on my account was sent in already. Around XXXX that day, UWM closed my account online online, so I no longer could view it, thus meaning to mean that they had finally processed everything. Im not sure what UWM is up to, but they are lying about my account not being paid in full. I have reopened the dispute with XXXX to investigate and I really hope we can get this resolved soon, so that my credit score can go back up XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to you in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to dispute certain information contained in my credit report. 

I am disputing the accuracy and completeness of the accounts listed below. 

I have recently obtained a copy of my credit report from XXXX and have found that it contains inaccurate information. Specifically, unauthorized inquiries on my report, because I did not make or authorize these inquiries. My credit report and denial letters are evidence of the inaccuracies. The inaccurate inquiries are as follows : 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 Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that XXXX conduct a reasonable investigation into the disputed information and correct any inaccuracies found. I also request that you provide me with written confirmation of any corrections made to my credit report. 

In addition, if any of the disputed information relates to a debt that is being collected by a third-party debt collector, I request that you notify the debt collector of my dispute in accordance with 15 U.S.C. 1692e ( 8 ).

If this matter is not resolved to my satisfaction, I may be forced to consider further action, including initiating arbitration proceedings in accordance with XXXXXXXX XXXX arbitration program. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Ive been trying to get this off my account for the longest and no one whated to help me figure out the situation.
Product: Credit reporting or other personal consumer reports

They keep reporting my account as a charge off for a lower amount. Then it shows the account is open and a payment hasn't been made since XXXX. Yet, they've withdrawn money from my bank account as recent as XXXX. Because I dint have access to an XXXX I can't login to my account and when contacting them I'm being told they can't verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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
Product: Mortgage

Our mortgage was sold to a new company in XX/XX/XXXX. We received a letter about this at the end of XX/XX/XXXX, and I called both my company and the new company, Shellpoint Mortgage, because the sale date was right after our mortgage due date. I was advised to send my payment as usual, and that there was a grace period for payments while the details were being worked out between the two companies. This information was also in the letter we had received. Our payment due in XX/XX/XXXX was sent and the check was cashed. We received a coupon from Shellpoint Mortgage for our XX/XX/XXXX payment, which I sent early. This check was also cashed. 

Today, these scam artists sent us a letter dated XX/XX/XXXX ( the due date for our mortgage payment ), but postmarked on XX/XX/XXXX. By this date our XX/XX/XXXX check had been cashed. Upon calling these rats, they claim we never paid for XX/XX/XXXX. I have all these letters. This is nonsense. I realize XXXX XXXX has been working to gut this agency in service of creeps like Shellpoint,  but please do your job and make them do right.