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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$380.00}
Product: Mortgage

My loan was recently taken over by Mr. Cooper home mortgage loans XX/XX/XXXX. In that time they have double charged me twice, when disputing payments that were never authorized on my behalf nor scheduled on my behalf they charge me fees to dispute. When contacted them in XXXX for XXXX XXXX charge they instructed it could not be waived, even though the disputed charge was never scheduled on my behalf. Again  XX/XX/XXXX another duplicate payment was made not authorized by me, I have confirmation emails showing my one monthly payment only. When contacted company to dispute they yet again charged me another non-waivable fee for a payment they made an error on. When asked if this was going to occur every month I schedule a payment they had no response. When asked to speak to a manager they changed the subject and ended the call. When scheduled a call back on Monday XX/XX/XXXX a call back was never received. I now have XXXX XXXX worth of disputed fees attached to payments I never authorized in the 2 months they have had my loan. I have reported to XXXX but have not heard back in regards to this matter. I want to be able to pay my monthly mortgage payment without having to worry about being double charged, lied to, and made a fool when I have been a homeowner for 13 years I have never experienced issues and customer service more horrendous than Mr. Cooper. They should not be in business let alone doing this to hardworking people who pay and have impeccable credit.
Product: Checking or savings account

Last Saturday XX/XX/2019 I did a transactions through the Bank of America ( XXXX ), the amount was {$2500.00} a saved the information from those transaction to check the next business day that was Monday XX/XX/2019.  The amount deposit to my checking account was {$2500.00}, {$3.00} dollars less the information of the transaction print from of the XXXX  app. Today XX/XX/2019 I called Bank of America and spoke with the supervisor XXXX Id number XXXX, at begin of the conversation she advice me that the conversation will be recorded, and the end of conversation after she try to trick me with a lot explanation that doesn't match the numbers. The Bank of America use to deposit my transaction and next day apply the fee on the amount of the transaction. This time Bank of America deposited a wrong amount and apply the fees. I feel robbed. I have the Bank Statement, the transaction and the recorded.
Product: Student loan

Well the first company that had my account was through XXXX now it's through the professional Bureau of Maryland. When they call, they call requesting the whole amount and telling me what I should pay instead of taking suggestions from me of what I can and and able to pay at the moment so then I get frustrated and that makes me not even want to make a payment to them because they're telling me what I should pay instead of taking what I'm able to give them. I have not made any payments as of yet I do want to make payments but I refuse to deal with them in making a payment, I would rather make the payments through the loan company themselves than dealing with these people.
Product: Credit reporting or other personal consumer reports

Dear BUREAS, I am writing to formally lodge a complaint regarding the mishandling of a disputed entry on my credit report, specifically relating to the XXXX XXXX XXXX sold to me by XXXX XXXX. Despite providing all necessary documentation, including a Federal Trade Commission ( FTC ) report, a local police report, and a valid identification, the entry was not adequately addressed by Experian. 

As per the dispute process, I provided comprehensive evidence to support the removal of the disputed entry. It was my understanding that Experian would take the necessary steps to block and remove the erroneous information from my credit report. However, to my dismay, the entry resurfaced shortly after being deleted, indicating a failure on Experian 's part to effectively handle the dispute. 

Furthermore, it is evident that Experian 's collaboration with creditors appears to disadvantage consumers like myself. Despite clear evidence of identity theft on my report, Experian has failed to ensure the proper removal of fraudulent entries, particularly those tied to a disputed address. This refusal to rectify the situation not only undermines the integrity of the credit reporting process but also perpetuates the financial burden on innocent consumers. 

I urge Experian to promptly reevaluate my case and take immediate action to rectify the mishandling of the disputed entry. It is imperative that Experian upholds its responsibility to protect consumer interests and adhere to fair and accurate credit reporting practices. 

I expect a timely response to this complaint and a resolution that reflects Experian 's commitment to consumer rights and data accuracy. 

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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX FS XXXX Balance : {$10000.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; 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

We applied for a refinance loan with Capitol One. We have been in the process for over four months and the underwriter has stated she will not give us a loan and does not want to work on our file any more- she will not deny us the loan because we qualify! We have a very high fico score we have never even had a late payment our whole life!! So She keeps giving us list upon list of things to answer or submit! We answer her questions and she comes up with new things- even down to making us explain properties we DO NOT own or explaining the same thing over and over again! We are now AGAIN being asked for more stuff- she is now asking for {$75000.00} dollars extra??? that goes against their agreement and good faith estimate as well as I believe their policy ( she is calculating it wrong on purpose ) she is asking for explanations we have given before and asking for lease agreements on properties we do n't rent or own ( and have explained that before ). She is also co-mingling our corporate business with our personal funds. We are being discriminated against!!!! I 'm not sure if its because of our ethnicity or religion?? The loan representative said we should not be going through this and was told by others in the company that this underwriter does this to many people! I 'm curious if the loans that she stops working on or delays with ridiculous conditions ( until they go elsewhere to get loan ) have a similar connection ( race, religion ) as that is what she can see- our name or where we donate our money too! We have spoke to and submitted our documentation to other loan institutions and they say this is a simple loan that should have funded a long time ago! I am complaining ( which I normally would never do and have never done in my life ) because I truly feel we are being discriminated against and I wonder how many other people this underwriter has done this too! I can NOT believe Capitol One is doing this to people!
Product: Mortgage

I recently refinanced my mortgage with a new lender on XX/XX/XXXX, and my previous lender SPS , Inc. was paid in full on XX/XX/XXXX. My current city and county taxes were paid by my new lender, and a double payment was made by Select Portfolio Servicing , Inc.. It has been over 90 days for Select Portfolio Servicing , Inc to resolve this issue. I filed a dispute with Select Portfolio Servicing , Inc, and I was sent a letter stating the loan was paid in full and they could do nothing. I received this letter from XXXX XXXX in the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. stating this issue was resolved. I had to contact the tax office for my escrow refund, but they are holding the funds as they can not send them to me directly. XXXX XXXX at Select Portfolio Servicing , Inc. has refused to contact me or the tax department to resolve this issue. I have repeatedly requested a phone call to explain my issue, and could most likely be resolved with a phone call by Select Portfolio Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM XXXX YEARS AGO AND NONE OF THE BIG XXXX WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE XXXX COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT XXXX SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. THANK YOU
Product: Credit reporting or other personal consumer reports

I have just been hung up on by Experian five times ... an hour or more of my life I'll never get back. It is impossible to speak to a human. I tried to change my password by following the steps given but, even though their website told me my password was successfully changed, when I went to log on I was told the password is incorrect.

They have no way of correcting a phone number they have on record in order for me to receive codes by way of text messages. I was supposedly sent other codes to a home telephone number by phone call, but only received one which was useless.

They should not be able to get away with this outrageous treatment of people trying to check on their credit account.

I know I'm not the only one frustrated and infuriated by this indifferent and callous treatment of the public. I've seen many comments by other people who have experienced this non-service by Experian. Please do something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I believe my sister used my social security number to obtain student loans from XXXX XXXX, and then in 2014, XXXX XXXX sold them to Navient, so now I believe I am paying for my own student loans as well as my sisters
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ca XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Sir/Madam, Re : Request for Account Information I am writing in reference to the above-mentioned account, which is reported on my credit report as a profit and loss write off, I would like to clarify that I am not disputing the accuracy of the account at this time. However, I am requesting the following information to better understand the timeline of the account : 1. The date of the first delinquency for this account.

2. The date the last payment was made on this account.

3. The date of the charge-off of this account.

Please provide this information at your earliest convenience. You may send the details to the address listed above or contact me via phone or email if further clarification is required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

A Late payment is a transactional history, and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives. <P/>I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.
Product: Mortgage

I 'm in the middle of a refinance and for some strange reason Ocwen is holding up providing a payoff letter. I 've had to reschedule my closing date of XXXX XXXX, 2015 because of this and I would like for any assistance you could provide in this matter. Calling these people ( Ocwen ) is like talking to a brick wall. Please have them forward the payoff letter to XXXX XXXX as soon as possible so this matter can be resolved.
Product: Debt collection

During the month XXXX I was contacted by XXXX XXXX company regarding an account I had with XXXX XXXX XXXX XXXX XXXX. It was a scholarship that was given while I attended college. I spoke with the original creditor to work out something and that was no avail. I also reached out the collection agency to gather information for the account. A letter was mailed from XXXX XXXX stating the amount I owed. On, XX/XX/XXXX a certified letter was sent to XXXX XXXX to validate the date and to cease contact. I had recieved calls from the collection agency everyday at least two-three times a day regarding this account. After the letter was sent I stopped answering their calls. Once XXXX received my validation letter they stopped contacting me via phone. However, validity of the debt information was not recieved within 30 days as I requested. I started to recived phone calls from the company starting XX/XX/XXXX and XX/XX/XXXX. The calls stopped. I requested validation regarding the debt and nothing was receieved. Today, I receievd an alert from myfico regarding a collections account that was added to my credit report. It was XXXX XXXX. I have not recieved the documents that were requested via mail.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( XXXX ) XXXX XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( TransUnion ) are erroneous and do not align with my actual payment history.

Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter.

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

To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX, XXXX concerning their handling of a retail installment contract for my XXXX XXXXXXXX XXXX ( VIN : XXXX ). This complaint addresses violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Due to the significant financial and emotional harm caused by these actions, I demand monetary relief in addition to corrective actions. 

Key Violations XXXX. Failure to Validate the XXXX XXXX has failed to validate the debt despite repeated disputes. Under FDCPA 1692g ( b ), XXXX is required to : Provide a copy of the original retail installment agreement. 
Submit chain of title documentation, proving XXXX legal ownership of the debt. 
Substantiate the balance, including fees, interest, and payments. 
Failure to validate the debt invalidates XXXX collection and reporting activities and violates federal law. 

XXXX. Improper Repossession During Arbitration XXXX repossessed my vehicle while the account was subject to active arbitration, a process that should have paused all enforcement actions. This repossession : Breaches the arbitration process outlined in the agreement.

Violates FDCPA 1692f, prohibiting unfair collection practices.

This repossession caused significant harm, forcing me to pay for vehicle rentals and disrupting my personal and professional life.

3. Inaccurate and Misleading Reporting XXXX reporting to credit bureaus is inaccurate and misleading, violating FCRA 1681e ( b ), which requires maximum possible accuracy. Specifically : XXXX reported multiple " charge-off '' ( CO ) notations across several months, exaggerating the severity of the delinquency. 
The reporting fails to reflect the disputed status of the account, as required under FCRA 1681i ( c ). 
These inaccuracies mislead creditors and severely harm my creditworthiness. 

4. Violation of FCRA 1681b Permissible Purpose XXXX has not demonstrated that it had a permissible purpose to report this account under FCRA 1681b ( a ). Without my written authorization or proper validation, XXXX reporting is unlawful. 

XXXX. Violation of TILA Failure to Provide Notice XXXX has not provided proof of compliance with TILA 1666b, requiring a 21-day notice for payment due dates. Any late payment or charge-off entries lacking such notice are invalid. 

Harm Caused XXXX. Financial Harm : Vehicle Rental Costs : Following the repossession, I incurred significant costs for vehicle rentals to meet daily transportation needs.

Loss of Financial Opportunities : Inaccurate credit reporting has resulted in higher borrowing costs and denied credit applications.

2. Emotional Distress : The wrongful repossession and inaccurate reporting caused undue stress, disrupting my and my daughters quality of life. Missed appointments and professional opportunities have compounded this harm. 
XXXX. Reputational Damage : The misleading credit entries tarnish my reputation as a reliable borrower, further affecting my ability to secure financial opportunities.
Product: Payday loan, title loan, or personal loan

Tried to contact them regarding payment but no response. Never got a call, message or any mail saying that we missed a payment until I noticed myself that the payments did not get withdrawn. Payments were being taken out every 4th of the month but for some reason when I looked back on the transactions they started to withdraw on a different date which caused our payments to not be available and I was charged NSF fees. They did not specify that my payment dates changed, like I mentioned no form of contact at all. It seems like they meant to do that so that I would miss my payments. I emailed them again regarding that and again no response.

There is no way to go online to make a payment, you have to email them and speak to someone to get that to happen. No online access to our account or anything. 

So now I received a letter from a debt collector XXXX XXXX XXXX, XXXX. telling me I have to pay the total amount of {$59000.00}. They should have at least contacted me to straighten out this issue before sending me to a collection agency. They seem like a fraudulent company out there get your money. They were quick to get you to sign and provide document but right after approval the person I was working with no longer contacted me and no other contact after that.