23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the housing boom of the early XXXX. I received a loan from Wells Fargo one year after discharge from bankruptcy. It was high pressure to get a new loan. 
I have paid XXXX. Dollars for 17 years now. The house was purchased for XXXX XXXX, in 2005. My wife made the payments. It was only after they threatened foreclosure for lack of payments. When Im reality she had written the wrong account number. Wells Fargo refused to even look for them. So at this point we filed bankruptcy again. 
The entire reason was when we were finished paying the house would be paid off. No Im fact we paid an additional XXXX XXXX only to heave a higher payment out of bankruptcy. So I have paid over XXXX XXXX for a house that I still owe XXXX XXXX dollars on. Its basically beyond repair. Im stuck with a house and loan I have literally paid for almost 3 times now. What recourse do I have?
Product: Debt collection

I was contacted about a debt that was supposedly due more than 2 years ago. The medical company was given full payment after insurance determination and then six months ago, they decided they want {$55.00} more without informing me as to why the barge was created out of the blue. Financial recoveries is not confirming the validity of the charge and the time frame allowed to make banged to already settled accounts before hassling the customer and ruining the bank balance and good credit. They must be prosecuted and not allowed to practice debt recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an email that has the " appearance '' of officially being from Experian. In addition to there being no reason Experian should be contacting me with the type of information contained in the email there are other elements that make me question the authenticity of it origin and intent. Addtionally, if this is in fact an email actually originated by Experian, I do not think it is appropriate and I do not think it should be legal for them to contact me in this manner. 

I tried contacting Experian directly to determine the legitimacy of the email and lodge a complaint, and to determine if in fact it is a legitimate email and a part of Experian 's current business model. I could not reach anybody to speak with in person. I believe that also should be illegal, as these reporting agencies have so much power regarding an individual 's financial options and abilities in the consumer marketplace. A consumer should have the right and ability to speak to a real person to open a " case '' ASAP without having to blindly submit more personal information electronically with no accountability on the part of Experian or any of the other reporting agencies. 

I would like to speak with a real person at Experian ASAP to have them hear my concern and tell me if this is an email generated by their team. Obviously if it is not, then they should be made aware that there identity is being used by someone else, likely for nefarious purposes. 

The mere fact that I have had to resort to this reporting system to obtain some piece of mind should be evidence enough of how wrong the current status of accountability with the reporting agencies has become.
Product: Debt collection

I was incarcerated between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I had opened an account with XXXX a couple of months before I was initially incarcerated, and was caught up on my bills. My aunt had called to have the service disconnected. Now I have a {$450.00} collection on both XXXX and XXXX from Pinnacle Credit Service, who bought the debt from XXXX. The most I should owe is an early termination fee, less than half of what they 're charging me, Pinnacle Credit Service refused to send me any proof that I owe the bills, and said I would need to hire an attorney, and they would send it to my attorney. I disputed it through XXXX, and it was denied, I sent Pinnacle Credit Service proof of my incarceration dates, and have made several phone calls to Pinnacle Credit Service and XXXX.
Product: Checking or savings account

I recently became aware of a fraudulent transaction with my XXXX XXXX XXXX checking/debit account executed through the XXXX XXXX XXXX, with which I do not have an account and have never transacted business. 

Nearly half the balance of my account was withdrawn fraudulently by someone in New York. I immediately contacted my bank 's fraud department as well as filling reports with the FTC 's identity theft department and my local police department. 

I also notified Venmo by email of this fraudulent transaction and received a form response instructing me to take the steps I'd already taken above. They offered no assistance whatsoever with pursuing an investigation or helping me recover my stolen funds. 

How is this company allowing such fraudulent transactions through its service, especially from accounts held by people like me who don't even have a XXXX   account or any kind of contact/verification information with them in the first place? 

They are clearly aware that this is a widespread problem because they have an entire section of their website devoted to addressing questions from consumers whose accounts have been stolen from in this fashion. 

I had never even heard of XXXX before this incident, but they seem to be a prime example of an unaccountable tech company playing fast and loose with the security of Americans ' private information while enriching themselves and leaving victims of fraud and abuse to twist in the wind.
Product: Credit card or prepaid card

I opened a Saks Fifth Avenue credit account today precisely because I wanted to make a {$4000.00} purchase on my first day to get 10 % off XXXX their promotion for new accounts ). This promotion would also allow me to make my large purchase with 12 months 0 % interest. I have excellent credit ( XXXX FICO score ) and earn {$200000.00} in annual salary. I was approved on the spot but capped at {$2500.00} which is EXTREMELY LOW. I called and requested a credit limit to {$5000.00} but was told I was denied. Theres no reason I shouldve been denied a {$5000.00} credit limit with my excellent credit worthiness. I feel this denial was discriminatory as I have a XXXX last name XXXX XXXX XXXX. This hasnt happened to me for the past several years with my high salary and high FICO score. I closed my account on principle with the representative who informed me my request was denied.
Product: Credit reporting or other personal consumer reports

all my student loans were transferred from XXXX to XXXX in 2023. XXXX is still reporting a balance of {$34000.00}. all my credit reports show now that i have a balance of XXXX when in reality my current balance is of {$33000.00}. this is affecting my credit score tremendously. please correct my balance info
Product: Credit reporting or other personal consumer reports

These inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I advised One Main that I was. I am not reliable for the erroneous balance that is reporting to my credit file. One Main attempted to file civil lawsuit against me, but later dismissed with prejudice. This told me that they did not have the adequate information that I was requesting from their institution. I have never signed a legal binding contract with One Main. Once I started getting harassed by One Main about this alleged debt, I knew I was a victim of identity theft. My certified letters to One Main and my calls made to their company has not gotten me anywhere. Someone else is using my name, identity and SSN for financial and personal gain and I will not be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have submitted disputes through your online platform on [ dates ], providing comprehensive details and supporting documentation to substantiate my claims. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent 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
Product: Credit reporting

As this is the only soapbox I can use to complain about the credit monitoring services I wish to complain over and over again until this system is fixed or got rid of. I came to this country as an XXXX 30 yrs ago. I worked, paid taxes all this time and paid my debts. I decided to go back to school at the age of XXXX. I applied for a XXXX plus loan. I was denied. I was never given the specific reason for the denial. but it could have been one of the four following. A collection account, a tax lien. I was denied a job in XXXX because of XXXX. I actually paid off the IRS tax lien. I was denied a job by XXXX in XXXX because of the tax lien. I paid off the tax lien in XXXX, 2016. You would think I had bells and whistles and chocolate but no. I have been going back and forth with XXXX I wonder at using XXXX anyhow to determine whether or not I should be able to get an education. In 30 years I have never been given a perfect credit score. Ever. I had a {$100000.00} mortgage until XXXX decided to put me into eleven years of litigation and they graciously let me have a {$300000.00} mortgage which is ridiculous at this stage of my life. I am not the only person in the US who suffered through the Great Recession that has decimated the XXXX and over population. The tattle-tale credit reporting system needs to be overhauled. I strongly suspect that only while middle-age males get perfect credit. I think women, immigrants, of any ethnicity, XXXX and XXXX probably never get good credit ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having trouble getting someone on the phone at the credit bureaus to remove the fraud alert from my credit file.
Product: Credit card

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure of the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

A few days ago i noticed a significant drop in my credit score so i went online to view my credit report to see why and i noticed an extreme amount of inquiries on them. I believe i have a fraud alert on all my credit profiles and have had one on them for a few years. I was under the assumption that the fraud alert would help avoid these situations and in order to obtain or attempt to apply for any type of credit i would have to be notified first to give consent for any type of inquiry. To the best of my knowledge i was never contacted by any of these companies for permission nor have i ever gave any type of written consent. 

XX/XX/scrub>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: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESSES : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo is denying a modification saying I do n't have enough to support a modified payment .Mt rental income alone would support a hypothetical modified payment of amounts owed estimated {$200000.00} in a 30 year note at a market intrest rate.XXXX.This is wrong this unit serves as my primary residence also and there is no where else to go.This entity is awful to deal with, they have expenses that are no longer valid and they have been informed of this and they had my income wrong, its more.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing a series of violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws concerning inaccuracies and misconduct regarding my credit report. Specifically, I discovered that multiple entries on my report were either inaccurate, unverified, or unauthorized, and these issues have caused me significant distress. 

The violations include : FCRA Section 616 - Civil Liability for Willful Noncompliance : Credit information about me was accepted without verifying its accuracy, which is a clear instance of willful noncompliance.

FCRA Section 603 ( d ) ( 2 ) ( A ) : I was not informed about my right to opt out of sharing my personal information, which is deceptive.

FCRA Section 623 ( a ) ( 3 ) : Inaccurate inquiries and accounts were furnished without proper validation.

Violation of the Debt Collection Practices Act : I was subjected to harassment and unfair practices due to the reporting of unverified debts.

Violation of Location Information Regulations : Debt collectors improperly shared my information with third-party agencies.

Reporting Late Payments : Late payments were inaccurately reported without proper definitions.

Finance Charge Determination : Finance charges were miscalculated, which is the reporting agency 's responsibility.

Permissible Purposes of Reporting : Information was reported on my credit report without obtaining my written consent.

I have requested specific actions to correct these errors, including updating accounts to reflect accurate payment statuses, validating debts, and removing unauthorized entries. I have cited several legal provisions, including 15 U.S. Code 1681e ( b ), 1681i, and 1692g, as grounds for these corrections. Additionally, I have referenced case law, such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX, to underline the seriousness of willful noncompliance. 

My expectations are clear : I demand immediate corrections, validation of all disputed debts, and the removal of unauthorized or inaccurate entries. If these issues are not resolved promptly, I will have no choice but to pursue legal remedies as provided by the FCRA and other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Not opted into overdraft protection ; ACH debits not included in this ONLY debit card .... not clearly stated. XX/XX/XXXX account was overdrawn, called PNC XX/XX/XXXX rep explained people dont understand overdraft protection fees/policies and it doesnt applied for ACH and got fees waived so I could close account. XX/XX/XXXX overdraft fees were put back on account for pending transactions that the representative I talked to didnt mention and was told there was nothing they could do and had to wait for 2 days for a call back. XX/XX/XXXX went to PNC branch to explain situation and that Id be happy to pay debit balance of XXXX $ but wont pay the fees totaling XXXX . ( Charged me a fee for not showing my college ID every 6yrs INCLUDED in this was CONTINUOUS OD fees and overdraft fees ). Account now at $ XXXX and theres nothing they can do. XX/XX/XXXX branch manger trying to assist but cant refund fees theres nothing he can do, but will try to escalate account.
Product: Student loan

I recently moved to XXXX to escape an XXXX   husband, my income did not change in USD, I am just now paid in CAD - same company. I was originally making approximately $ XXXX in the US pre-tax, post tax it was about $ XXXX. When I originally certified for income based repayment based upon those numbers and my marriage, I was paying {$0.00} a month. 

After the divorce, I went through the re-certification process again, and although my income did not change, now Navient is claiming I owe {$470.00} a month. This was originally based upon me providing a letter from my employer in XXXX advising that I make {$100000.00} a year CAD. I was told this specifically by a Navient employee in XXXX, and was told to resubmit my application based solely on my XXXX tax return and not using any letters from employers. 

I did this, and it came out yet again to {$470.00} a month. The woman I spoke with after this - on XX/XX/XXXX - said that it was another mistake on their part, that based upon my $ XXXX $ XXXX AGI I should be paying {$360.00} a month, and advised that she was putting notes in the file so that someone would correct the issue. I never heard anything back, and logged in on XX/XX/XXXX to see that I am still being told I owe {$470.00} a month. After about an hour on the phone with various people - all of whom stated that this {$470.00} a month was based on my $ XXXX XXXX, I was finally informed by a supervisor - who had also erroneously claimed that this was based on my $ XXXX XXXX - that I was right the entire time and the {$470.00} WAS based on my $ XXXX CAD income being treated as $ XXXX XXXX, which had I been stating all along throughout this phone call. She advised that after reviewing my file further, she discovered that my joint tax return was not accepted because I filed taxes jointly ( as I was married when my ex husband and I earned our income, of which he only earned approximately {$2000.00} for the year ) and subsequently divorced. 

After hours of explaining everything to people at Navient ( something that can not be that uncommon - surely people get divorced and pay student loans all the time ) everyone I speak with agrees I am right and they apologize for the " inconvenience '' but then just keep " resolving '' the issue the same way as before so nothing is ever done. I don't know what to do, I am still dealing with the debt my financially abusive ex husband left me with, and am struggling a great deal. All I want is for my monthly payment amount to be calculated correctly and fairly, and for me to not have to spend hours fixing an issue that I did not create. 

As of submitting this, the issue is still not resolved.