23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My divorce several years ago left me financially devastated ( custody dispute, illness & more ) and I still am not recovered. I had to sell my house after never missing a payment for years. 

Only I owned the house before, during and after divorce. No one could explain why the credit union called in my mortgage. I sold it after spending lots to upgrade it for sale and have lived in apartments with no hope of buying a home again. I have taught high school history for 25 years in rural NYS. 

I found out via creditkarma that there was a public record of a lien against my house for an unknown judgement against my ex-husband. He had paid it and a year ago I sent proof to the credit companies that it was paid. 

It now shows that it was paid, but I understand that public record on my credit history seriously damages my score. Because my ex-husband never owned the house, I believe this item never should have been on my record. 

I believe this information caused me to lose my house and now ca n't get a credit card, and pay outrageous interest rate for an old car XXXX XXXX XXXX ) and insurance. 

I have other problems with credit cards from that same era for which I am starting to declare chapter XXXX bankruptcy XXXX massive rate hikes and insane fees from XX/XX/XXXX + " sewer service '' notices XXXX. 

Any steps at improving my situation will help tremendously. I have custody of my XXXX year old daughter and deal with health problems ( recently had a XXXX, but have recovered miraculously so can return to work XXXX. 
TRANSUNIONex-husband : XXXX XXXX XXXX Tax Lien XX/XX/XXXX Paid $ XXXXPublic Record DetailsReference Number XXXXDate Filed XXXX XXXX, XXXX XX/XX/XXXXStatus PaidAmount $ XXXXClassification LienType Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXXI am : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Nothing specifically happened to me as I have a good grasp on financial information, however, I found the statement I received to be extremely misleading - especially for those who are not well versed in loans/interest etc. 

The plan I am on is a 0 % interest plan for 12 months, with no monthly payments required. XXXX the statement I received, they provide XXXX different " payment '' plan options, XXXX of which go beyond the 1 year and accrue a huge amount of interest. 

I think the statement would be much more clear if it specifically stated that as long as the balance was paid off within 12 months, not interest would be assessed. However, if you choose to pay month, please pay XXX in order to avoid an interest. I do n't think it should be left up to the borrow to decide how much they should pay in each month.
Product: Debt collection

I am requesting a copy ( dated ) of every communication that was sent via mail and email to me on the alleged debt. 

I would like verify the validity of the this debt, any corresponding charges and ledger on this account. I would also like a copy of ALL documents related to the signed contract for this debt and any contract between the collector and the company who performed the repossession. These documents will need to be dated with the address to which they were sent. 

This company has provided me nothing, filed lawsuit and pursed garnishment without providing me the opportunity to validate any of this debt.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. Tghis issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Institutional systemic racism continues to keep rearing it's ulgy head!!! Transworld System Inc. is attempting extortion by erroneously inaccurately staining my credit report by claiming I have a collection account owing {$110.00}. I have NEVER been contacted with ANY documentation, or via phone call by Transworld System Inc. They are in violation of the F.C.R.A. by NOT properly communicating with me regarding this suppose debt. or the extortion attempt, and I have NO knowledge of ever doing ANY business with them, nor knowing who they are.
Product: Student loan

I received a letter from XXXX XXXX XXXX XXXX. they say that Navient hired them XX/XX/2018 to collect on two defaulted loans. Navient says they did not send two loans into default. XXXX told me that they were hired through Navient to collect and this is done through the back side of Navient. XXXX XXXX also told me that XXXX XXXX  is now owned by XXXX XXXX XXXX XXXX and are hired by Navient. I asked them where can I look at my account and see payments as when I log into XXXX XXXX nothing is there no payment history or anything. Only that XXXX XXXX has the loans but XXXX XXXX say they have them. Who has the loans and are multiple people collecting on them? : XXXX at XXXX XXXX told me there is no payment history because my social security is being garnished and I am not willfully making the payment that no money is going toward the principal. It goes to late fees and interest She also threaten to garnish my part time job, my taxes and my social security if I dont set up payments. Isn't that a threat or extortion? She also said no money is going to the principal that they and Navient are keeping to funds toward their fees, late fees and interest. This has been going on for 3 years now and 8 collection agencies have had this loan and its more now than it was and I have no proof of payments being made. Can someone please tell me what is going on? I think I have 3 companies trying to collect from me and I keep getting threats and letters.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these accounts and inquiries were made without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX CC Account Number : XXXX Date : XX/XX/XXXX Amount : {$5900.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$12000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$11000.00} Fraudulent Inquiries to Be Removed : XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXate : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX  XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX/FIRSTMARK SERVICED XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXFIRSTMARK SERVICED 's customer service representative.
Product: Credit card

Got a call from a person claiming to be a Wells Fargo services asking if i had submitted a request to open a credit card account for Wells Fargo in XXXX XXXX, they had my name and last 4 of my SSN, upon telling them that I had not, they said they were transferring me to the Consumer Protection Service, they started telling me that they were going to get my info so that no one could scam me, I told them to give me there number so I could call them back cause I was a little busy, they gave me a case number - XXXX Phone # XXXX and to ask for XXXX XXXX at extention # XXXX, I told them I would call back. 
I then called Wells Fargo customer support and asked them if they new the number or had the number I was called from XXXX, they said they did not have that number in there system and it was not one of theirs, and that the # XXXX looked like it belong to a private person not a corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I requested that all the personal information on my credit profile be updated. 
XX/XX/XXXX a report showed XXXX was in fact updated. 
XX/XX/XXXX I received a report showing that the removed information was in fact placed back on to the consumer report. 
XX/XX/XXXX via CM : XXXX a failure to update XXXX  letter was sent to Experian with no response. 
XX/XX/XXXX I was denied a line of credit due to this agency blatant disregard for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX Gold key credit XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a claim in XX/XX/XXXX that has been denied numerous times & they will not provide me the paperwork as to why it keeps being denied as of XX/XX/XXXX it was reopened for a reconsideration & they informed me it could take up to 45 business days to come to a decisionI was advised the 45th business day fell on the weekend which was XXXX so to call on that Monday which I did still no decision now today XXXX im on phone with them still no decision still no information as far as my claim I do not understand how this company is able to do this I filed 3 complaints with cfpb prior to this pertaining to this same claim that still have not been answered by this bank how is this possible?
Product: Mortgage

Loan Number- XXXXThe last complaint and this new complaint is not duplicates? 
1.I paid XX/XX/XXXX and XX/XX/XXXX. The credit bureaus are showing 90 and 120 days past due! You have not corrected this! What does Wells Fargo NOT understand.This I believe has become Personal.I will continue to address and complain about this issue until YOU correct it and make it right! 
2. Your loan rep XXXX told me on a recorded line it would take approvimately 2 weeks for the modification. When will Wells Fargo stop ignoring this and take accountablity for what XXXX told me.WHY SHOULD XXXX and myself SUFFER because of his mistake. I was told well XXXX you could have canceled it NO NO NO my credit was already ruined I had no choice! 
He works for Wells Fargo therforee you are responsible for your employees and what they communicate to the customers Correct? YES or NO? 
Therefore what are you going to do to make this issue right. 
You should n't just ignore and act like oh well mistake on XXXX 's part the XXXX 's will just have to wait it out on their credit Bureaus! 
Is this the right way to do business and take care of your customers. 
I will continue to work on this issue until it is justified. 
This is not a duplicate handle the XXXX issues Do not tell the public a lie and just ignore me Handle this the right way! 

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

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Equifax Information Services LLC, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove fraudulent items from my credit file. My name is XXXX XXXX XXXX XXXX. 
, and my social security number is XXXX. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference. 

I first contacted the Credit Bureaus to dispute the presence of fraudulent items on my credit report. These items are inaccurate and needs to be removed. I provided evidence supporting my claim that these items are indeed fraudulent and should be removed from my credit report. 

Despite my repeated attempts, the fraudulent items continue to be listed on my credit report, negatively impacting my creditworthiness. I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration. 

I request that you take immediate action to investigate these fraudulent items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any supporting documentation proving the fraudulent nature of the items in question. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and creditors to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly. 

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the fraudulent items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed fraudulent items once the investigation is completed. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is an account EOS CCA that is listed on my credit report. This is NOT mine. I have disputed, requested validation now for many months and receive nothing not even a response. Please help assist me.
Product: Checking or savings account

For a {$900.00} bonus I fulfilled all the requirements by Chase denied me the bonus. They closed my savings account without warning. 
Checking : Account number XXXX Routing number XXXX
Product: Credit reporting

I disputed a collection with Equifax. The collection is a medical debt that ( 1 ) my insurance company has processed and authorized payment, ( 2 ) my insurance company has instructed me that under my contract I may not pay a collector, ( 3 ) is delayed because the state of Illinois has not established a budget and authorized a payments ( even though I have paid {$1400.00} for coverage every month ). The resolution was not in my favor, did not allow me to leave a statement to accompany the item, and ( most importantly ) gave me no explanation as to the basis for their conclusions ( which prevents me from adequately defending myself and protecting my credit score. ) I have dialed several customer service numbers, and get automated responses. In addition, to enter the dispute I was forced to agree to their terms that required me to agree to electronic communication only. I want to speak to a person at Equifax. If they are going to sell my information, I should have the right to speak to a person and get an explanation. My credit score was XXXX and has dropped under XXXX as a result of this collection on my credit report, resulting in significant economic loss to me. Equifax has made fairly resolving this dispute timely, difficult and confusing. I hope that the CFPB can help me clarify my rights, Equifax 's responsiblities and use this case and others like it to improve the laws to protect people from these barriers to fair treatment created by large companies in the financial industry.
Product: Credit card

At the beginning of this month, after receiving several offers from Discover Card, I went to the website and applied, using the invitation number on my correspondence. I got approved within minutes and got my card today in the mail. Everything on the paperwork that came with the card is the same as the information that was on the invitation except the APR. The invitation stated that my APR would " be 13.49 % to 16.49 % based on your creditworthiness ''. But my paperwork I got with the actual card, like I already stated everything was the same except this. Today 's APR is 19.49 %. 
I called to try to find out what happened, and I was told that since several invitations had been sent to me, that I apparently used the " wrong invitation number '' when I applied online. 
I am certain that I did not do that. I am certain that I used the paperwork that came with the invitation that had the lower interest rate. I had thrown the other away. 
And in today 's mail, along with the actual card and the paperwork that states a different APR than the invitation did, I got yet another invitation from Discover with the rate of 13.49 % to 16.49 %! 
I was told that I could re-apply, but there was no guarantee that I would be approved this time. 
That kind of seems like a bait and switch. 
I would attach the paperwork I have to prove this, but my printer wants to do a " cloud '' thing, and I do n't know how to do that. I would be willing to make copies, something I do know how to do, and send them to you. 
I have used the card to do a balance transfer as my car broke down and the interest on the card that I had to put it on, is pretty high. The new Discover card has a 0 % APR for the first 14 months. I hope doing this does n't affect my ability to take action against what they have done. 
I will await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account XXXX ), Original creditor : XXXXXXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$760.00}. XXXX XXXX XXXX ( Account Number : XXXX ), Date Opened : XX/XX/XXXX. Balance {$2600.00}. XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX. Balance {$1500.00}. XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. Balance {$0.00}. XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$400.00}. I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately.
Product: Vehicle loan or lease

After paying off my Ally auto loan, they claim to have sent me my car title within 3 days of payoff but I have yet to receive anything. I kept checking the USPS website to see if it has come through yet but never saw any correspondence from them. After more than a month passes I call them again to request the title and they confirmed that they do not have the title so they can only send me a lien release letter which means I have to go through the trouble of filing paperwork for a duplicate/lost title that costs upwards of {$95.00} or more here in Illinois. As I do not believe they ever sent me a title after after speaking with them over the phone I kindly request assistance in what my options are in this matter. I have been researching this online and it appears this has happened to other people as well. Thank you for your time and consideration.
Product: Vehicle loan or lease

I recently returned my XXXX XXXX leased truck and leased a XXXX XXXX leased truck. I did not receive my first bill so I called them XX/XX/XXXX and was told they won't take the payment on the phone but will send me another bill. On XX/XX/XXXX I received the bill and immediately paid it via my bill pay on my checking account for {$710.00}. This covered XXXX and XX/XX/XXXX. On XX/XX/XXXX, Nissan repossessed the truck stating they did not get the payment. I learned today it was applied incorrectly to my closed XXXX XXXX account and their system was not able to transfer the monies to the XXXX XXXX account. I now have no vehicle and they want {$1600.00} before releasing it from the towing company. This was a clerical error and I have been a loyal customer for over 10 years. 
My account number is XXXX. I can be reached at XXXX. Any guidance or direction you can provide would be greatly appreciated. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

i called in fraud charge {$30.00} XXXX and they credited me in XXXX now in XX/XX/2021 they recharge my statement {$30.00} for fraud charge i did not make, i want it credited i called 6 times every day and told them to call me and they never called me to fix this problem. i will not pay a fraud charge of {$30.00}. only thing i got was fraud dept needs to handle it and every time i get on hold for 30 mins and then they are closed at XXXX to talk to someone and they wont call me back when i say call me to fix this. this pers hermalinda miemaszyk XXXX ext # XXXX is the responsible party for putting this on my card.
Product: Payday loan, title loan, personal loan, or advance loan

i have a solar system on my roof an a contract, that can not tell me or the IRS what is the cost of the solar system or the cost of the roof to get credit this contract between XXXX XXXX and Goodleap LLC have a lot question and no answer? XXXX XXXX was pay? and i have a contract and documents full of hole?
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, TransUnion is reporting on my credit report that I had a XXXX credit card from XX/XX/XXXX-XX/XX/XXXXthat is status " Charged Off ''. However, when I call XXXX, they confirm they have no record of me and that I have never had an account with them. I filed a " dispute '' with TransUnion but their investigation result is that the account status is " verified and accurate. '' XXXX did not have this account listed in XX/XX/XXXX.
Product: Checking or savings account

Wrong amount of money was being taken from my checking account from XXXX, XXXX XXXX, XXXX XXXX, etc. I also had a money market account and the interests was illegally incorrect. I request all records. 18 US Code Section 1341 Frauds and Swindles.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the XXXX credit bureaus to verify these accounts. Failure to validate these reported accounts within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX  XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX