23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. 
( A ) IN GENERAL.If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

This auto loan is consistently updating inaccurate information. 

No payment history has been made. No payment information was made once I redeemed the auto. They have not updated information and keep reporting as of year of loss. I'm requesting the removal of this merchant from all credit bureaus as it is n ot reflecting the accurate information under the FCRA, FTC and I submitted all documents to credit bureaus with my driver 's license and SS card for accuracy and reporting on XX/XX/scrub>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Transunion to remove fraudulent information according to 15 U.S code 1681b and under 15 U.S code 1681i. The said company Transunion also violated my federally protected rights under 15 U.S 1692 which they did 14 times and also informed me in a letter from XXXX XXXX on behalf of Transunion that they committed Aggravated Identity theft 18 us code 1028A. IN order to verify a debt according to the law they need a signed contract from both parties and keep in mind that a statement isn't a invoice, which wouldn't be available to Transunion as they aren't authorized to speak on my behalf never have been and never will be. Transunion is using deceptive and fraudulent techniques alongside these companies to manipulate consumers scores which can't be explained under the FCRA because it is fraud. As a consumer federally protected under the Fair Credit Reporting Act ( FCRA ) by law these of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXXcc Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXl Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I filed a motion to compel the foreclosing purported claimant Goldman Sachs Mortgage Company to produce the original " wet ink '' Note in my XXXX XXXX U.S. Bankruptcy Court proceeding, case no. XXXX, heard in XXXX, Massachusetts. The foreclosing corporate entity failed to produce anything. I have a right to verify whether said entity actually owned my Note when it purportedly foreclosed my property. 

I am hereby demanding the CFPB compel the purported foreclosing entity to produce a complete chain of custody of MY NOTE, that I issued, and that they claim they owned, not simply held, when they purportedly foreclosed the mortgage on my home located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Massachusetts, on XXXX XXXX XXXX 

I demand evidence in the form of a sworn statement indicating with specificity the complete chain of custody of MY NOTE, from the moment I issued it to XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX, to the present time, including dates of transfer, owners of my Note in whole or in part, " holders '' of my Note that may not have owned it in whole or in part and identified as such, and if ownership was/is claimed in part, the exact amounts of ownership claimed, with supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Section 611 ( 5 ) ( A ) of the FCRA the 3 main credit bureau 's Equifax, XXXX, & XXXX are all required to promptly DELETE all information which can not be verified. 

I have done everything humanly possible to rectify this error on my credit file. This is the last straw before a lawsuit. 

Account Name : XXXX XXXX XXXX XXXX is falsely reporting on my credit file and also made a notation to the CFPB on XX/XX/2019 that this complaint does not belong to them. So if this is the case why are you still reporting them on my file? 

Address : XXXX XXXX XXXX  XXXX XXXX, XXXX, WI XXXX or XXXX XXXX XXXX XXXX, XXXX, WI XXXX I want this Unverifiable and erroneous information off of my consumer credit file with in 30 days or I will take Equifax Inc to small claims court and sue for actual damages, including court costs, attorneys fees, lost wages, libel, defamation and intentional infliction of emotional distress. 

Just to be clear your actions are truly outrageous I will seek to also recover punitive damages meant to punish malicious or willful conduct. Under the FCRA, the court decides the amount of the punitive damages. 

I am using this CFPB complain as a portion of my lawsuit as well. 

You can resolve this very easy by deleting this item off my credit file ASAP. 

Please resolve this issue as soon as possible, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC  LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, DEPT OF ED, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, DEPT OF ED, XXXX, XXXXXXXX XXXX XXXX If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

A payment in the amount of {$20000.00} was made to Selene Finance on XX/XX/2023 regarding an existing mortgage loan. Said payment was processed the same day with funds debited from my checking account the following day. 

A review of the payment portal at Selene Finance indicates that said payment was accepted and credited " in suspense. '' A balance is still due and and a payment is required on XX/XX/2023, despite the fact said earlier payment would pay the mortgage account in full. 

Repeated telephone calls to Selene Finance have fallen on XXXX XXXX. Not only has the {$20000.00} payment not been properly credited, it has not been returned.
Product: Debt collection

Received a call at XXXX from Synchrony Bank . They asked if they were speaking with me. I asked who was calling and they said it was a matter of personal business. I asked if this was an attempt to collect a debt and they said yes and asked to speak with me. I asked what they were calling in regards to. They told me the account and how much and stated I needed to settle the account on the phone. I asked them to communicate this with me in writing and they hung up.
Product: Mortgage

In previous complaint XXXX, Ditech Financial apologized for its negligence in failing to obtain my authorization prior to restructuring my loan and increasing my monthly payment by over 10 % and stated the issue had been rectified. 

It has not. 

My monthly mortgage payment should be {$1100.00}, and it shows it was decreased from Approx. {$1600.00} to {$1200.00}. This did not return my account to its prior status, and Ditech did not fulfill its commitment to the XXXX as stated. 

In this complaint, I am seeking the following resolution : 1. For my account to be restored to its status prior to Ditech acting against my will 2. Ditech to rectify the claims made against me to the credit reporting agencies 3. Financial settlement on this claim. Ditech has failed to apply my payment to the lowest interest portion of my loan andninstead retained additional payments I made for over one year, which I understand violates their legal obligations. This decision, along with restructuring my loan, and the numerous complaints to seek resolution have caused me financial and emotional monetary loss. 

I await an immediate response from Ditech and resolution in-line with commitments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting companies, the big three - equifax, XXXX, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from Equifax, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
Product: Mortgage

Mortgage Lender : Wells Fargo Mortgage Issue : Incorrect loan payoff amount upon paying off mortgage loan on XX/XX/2020. 

History : I prepaid my XX/XX/XXXX mortgage payment of {$2700.00} ( {$1500.00} in interest ) on XX/XX/2020. 
In an effort to reduce my mortgage principal and therefore save money on interest, I also paid on the principal amount of the loan ( {$140000.00} on XX/XX/2020 and {$6000.00} and on XX/XX/2020 ). 
The lender ( Wells Fargo ) failed to consider in their payoff computations this reduction in principal for the month of XXXX when determining the amount of payoff for XX/XX/2020. 
Because I prepaid my XX/XX/XXXX mortgage payment on XX/XX/2020, I am warranted an interest credit for the month of XXXX of more than {$350.00} since there was a reduction in principal during the month of XXXX. 

No Resolution : From XX/XX/2020 to date the lender ( Wells Fargo ) has not provided a resolution to this matter after speaking with at least 10 mortgage representatives and visiting a Wells Fargo Branch. Bank mortgage representatives have little knowledge in determining a loan payoff and only offer as evidence computer generated programs to support their case. Unfortunately, this issue can not be merely resolved by this process.
Product: Mortgage

On Friday, XX/XX/20, I phoned my mortgage lender due to seeing an option on the CARES Act the president signed about placing my loan in forbearance for 180 days and another 180 days, if needed afterward. I read the Act and researched the fine print. It seems simple-the borrower of an FHA back loan may request up to 180 days ' forbearance and " attest '' to a hardship. The mortgage company must grant this request and require no documentation. However, Primary Residential Mortgage has asked for many details regarding my financial situation and have even told me to wait and call back in a month just to see what happens in the mean time. They are not forthcoming with their terms and even told me to have my husband file for unemployment as a solution. I have put in writing my request and was still informed I must provide a reason and they must " see if this is the appropriate option '' for me. They have made it very difficult and intimidating for me to execute my right to place my account in forbearance.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Urgent Complaint Against XXXX XXXX XXXX  for FCRA Violations Dear Sir/Madam, I am writing to urgently bring to your attention a matter of grave concern involving XXXX XXXX XXXXXXXX and their egregious handling of my credit account, which I believe constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). Allow me to express my appreciation for the roles that the Consumer Financial Protection Bureau and the Federal Trade Commission play in protecting consumer rights, and I am now compelled to seek your immediate intervention. 

Recently, I discovered that my account with XXXX XXXX XXXX, which is marked as Paid/Closed/Never Late, has been inexplicably deleted from my credit reports with XXXX, XXXX, and Experian XXXX After contacting XXXX XXXX XXXX to seek clarity on this perplexing elimination and to formally request a dispute to have my positive account reinstated, I was met with an unsatisfactory and dismissive response. They claim they are reporting my account accurately, yet they have failed to provide the essential documentation to substantiate their claims. 

This situation is particularly concerning because, despite my efforts to dispute this matter with all three credit reporting agencies, XXXX XXXX XXXX is blatantly disregarding the requirements mandated by the FCRA. I have attached screenshots confirming the deletion of my account from my credit reports, and I find it deeply troubling that in light of this issue, XXXX XXXX XXXX has opted to ignore my rights as a consumer. 

The FCRA categorically empowers consumers to dispute inaccurate information and requires that creditors conduct exhaustive investigations into such disputes, providing necessary evidence upon request. The failure of XXXX XXXX XXXX to comply with these obligations and their refusal to document the reporting history of my account is unacceptable. Their lack of transparency raises serious questions about their adherence to federal law, and it suggests a troubling pattern of disregard for consumer welfare. 

This disregard not only jeopardizes my creditworthiness but also undermines the integrity of our financial reporting system. I implore both the CFPB and the FTC to investigate this situation thoroughly, as it speaks volumes about the operational practices of XXXX XXXX XXXX and their overall compliance with the law. 

Thank you for your immediate attention to this pressing matter. I trust that your offices will take decisive action to safeguard my rights as a consumer and hold XXXX XXXX XXXX accountable for their actions. Your continued advocacy for consumers is crucial, and I eagerly await your prompt response. 

Sincerely,
Product: Debt collection

Been called at least 5-6 times for the past 2-3 week before and after work. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Voicemails : XXXX XXXX/XXXX/XXXX I spoke with a representative called " XXXX '' for XXXX XXXX XXXX XXXX  XXXX and I asked him about his company name , address or business license, he was n't able to provide any information and said I was going to be taken off the list, and they were looking for XXXX instead. 

It 's fraud and a scam. Please be aware of this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two companies have provided false information to the credit bureaus. Basically, every time I dispute the information and tell them that these are not my accounts they modify their reports to give the impression that I have been actively making payments on the accounts. However, I never made any of these payments recorded in these accounts because these accounts do not belong to me. Also, these companies will update the " date '' that the account was opened to further give the deceptive appearance that I recently opened up these accounts. I even hired a law firm to dispute these accounts and they were not able to get them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX This company also refuses to remove information off of my credit reports, after I disputed the account as not being mines and the information being inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX Phone Number ( XXXX ) XXXX Furthermore, none of these companies will provide me with documents proving that I opened these accounts and made payments to these accounts. 

I never gave any of these companies permission to make any of these reports to the credit bureaus.