23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My IRA CD matured and State Farm Bank tried to charge me a {$7000.00} late fee on and then relented when I resisted. My complaint is that the amount or rate, whatever it is, was not revealed in any previous information from them. I told them I feel they owe me {$7000.00} for being abusive. They refute that. Given that the CD paid 2 % APY it seems to me that the amount which is 2 1/2 years interest at that rate, an amount more than double the maximum penalty for early termination is usury. They refused me yesterday, XX/XX/2018. I am writing primarily to bring this policy and behavior to your attention.
Product: Credit reporting

XXXX XXXX of XXXX XXXX XXXX XXXX, in State of GA, put XXXX tax liens on my property XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, on XXXX/XXXX/2014. XXXX errors on my credit reports were created when this happened. 

The XXXX mistake was that no lien should have been placed on the property to begin with. XXXX of XXXX Representative on the phone told me this always happens that liens are placed on when the city is reassessing my home 's tax valuation. Because of that, my bank ( Escrow ) short-paid the taxes based on what they assumed the taxes to be. XXXX XXXX of XXXX then put tax lien on the property on XXXX/XXXX/2014 and turned the collection on the taxes to XXXX Services a collection company that works with the city of XXXX / XXXX XXXX. When I called XXXX, they told me that the tax bill had taken care of ; XXXX issues from the same day. That is when I called the XXXX back but they would n't help any further. 

The XXXX mistake with this was they put XXXX tax liens on the same day for the same thing again for something that was out of my control because the city had the incorrect tax valuation. The XXXX tax liens on the same day for the same mistake were : XXXX for {$76.00} on XXXX/XXXX/2014 XXXX for {$76.00} on XXXX/XXXX/2014 I have contacted XXXX TransUnion to get this removed XXXX XXXX of XXXX to correct the multiple errors. Neither would take care of this. I have been trying to protect my credit report from errors such as this and really want XXXX errors removed immediately. 

Please advise. 

Thank you, XXXX XXXX, XXXX.
Product: Student loan

On XX/XX/year>, I submitted my application to Nelnet for Total and XXXX  XXXX Discharge. 

On XX/XX/year>, I submitted additional supplemental information to support my claim of XXXX  XXXX. 

On XX/XX/year> I received a letter from Nelnet ( see attached ) informing me that my application was denied because it wasn't signed by a qualified medical professional. My application ( see attached ) was signed by my primary care doctor who is listed on my XXXX XXXX XXXX  card. 

On XX/XX/XXXX, I wrote to Nelnet asking why my application was denied because my doctor 's information and signature is very obviously on the document in question. They have not replied. 

On XX/XX/XXXX, I submitted a complaint to studentaid.gov. My case number XXXX. They said they would get back to me in 15 days. They have not gotten back to me.
Product: Mortgage

I applied for a mortgage from Amerisave Mortgage Corporation on XX/XX/2022 and paid {$500.00} fee for getting a mortgage loan. Since I didn't find a suitable house, I requested a refund of my fees, and they denied my request.
Product: Debt collection

The collector is attempting to collect a debt from XXXX XXXX for a service received on XXXX. The collector claims that this alleged debt has not yet been paid. However, they are also stating that the service was provided on XXXX, which is an incorrect date. I have receipts and statements from the medical provider that support my claim that the debt was paid in full and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified dispute letter to Equifax Credit Bureau, XXXX and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, XXXX on XX/XX/2021, and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and XXXX, I was told that the information has been verified by a third party company called LexisNexis. 

I then contacted LexisNexis on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and XXXX. on XX/XX/2021, LexisNexis sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my LexisNexis report. 

I contacted XXXX  and XXXX  on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that LexisNexis was able to verify this information with the courthouse, and that this record will remain on my credit report. 

XXXX, closed this dispute on the Thursday, and XX/XX/2021. XXXX  also reported that LexisNexis was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX and XXXX  report is not mine. The " third party '' that is selling this misinformation, ( LexisNexis ) is either continuing to sell this misinformation about me, or XXXX  and XXXX  are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. XXXX  continue 's to say " The company that reported this information has certified to XXXX  that this information is accurate '', ( LexisNexis ). 

I expect to have this incorrect public record removed from my XXXX  and XXXX  credit report ASAP.
Product: Consumer Loan

I was applying for credit and was denied I received my free credit report and found that I had a collection from federal pacific for XXXX dollars original creditor lists XXXX. I have never had a car loan from this company. Also I disputed this same claim on XXXX and it has been deleted I was unaware you had to a claim to each agency. Your help on this mater would be greatly appreciated as my family is looking to purchase a home ... .I have filed a dispute with XXXX the number is XXXX
Product: Debt collection

In XXXX of XXXX, I noticed a collections account on my credit report through XXXX XXXX, which was apparently opened on XX/XX/XXXX. 

I had no prior knowledge of this account or collections attempt due to no phone calls being received, or mail being sent to my address. 

This was also apparently collections on a credit card through a XXXX XXXX XXXXXXXX XXXX as listed on my report, I have no history with this bank, nor have I opened a new credit card since XXXX. 

I actually have all of my credit files locked due to an identity theft breach through XXXX XXXX, so this account shouldnt have been able to be made without my knowledge. 

A company by the name of LVNV Funding LLC is now attempting to collect on this card that was charged off / sold from the original creditor ( XXXX XXXX XXXXXXXX XXXX  ) Ive spent the better half of two weeks calling every single bank with that name and asking if Ive had an account with them, all of which has said no, or has turned me to the company that issues their cards, which have also said no. 

On top of this, Ive tried to reach out to LVNV Funding LLC, which can not be reached due to a cleverly designed automated loop that will never actually offer to connect you to a human representative. 

This is being listed as a derogatory account on my credit report that is NOT mine, I have attempted to dispute this through credit karma, to which they have declined to remove from my report due to it meeting some FCRA requirements that I wasnt notified for. 

XXXX on the other hand has already removed the account from my report, which means that XXXX is officially reporting false information and is refusing to abide by the law.
Product: Debt collection

Portfolio Recovery calls and refuses to identify themselves. After repeated calls and telling them to remove me from their contact list, they keep calling. I block the number, but they call from a different number every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

This account do n't belong to me, I never open this credit card.
Product: Debt collection

this company alleges i owe them a debt but after numerous attempts to validate the alleged debt they refuse to answer validation questions. at this point the validation period is long over with a 30 day response window AND went un rebutted and this alleged debt is now illegally attempted to be collected. and they have violated FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CAR WAS STOLE WITH MY WALLET INSIDE, THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT OR KNOWLEDGE. THEY ALL NEED TO BE REMOVED NOW.
Product: Debt collection

All XX/XX/2018 and XX/XX/2018 got phone calls regarding this debt and my refusal to pay would end up with me being in jail and sued via the company representing as the debt collector.
Product: Credit reporting or other personal consumer reports

I have several accounts that are on my Transunion credit report that has not been removed from my credit report and I have sent FTC letters to each creditor and they have failed to remove the items which by law I have the right to dispute inaccurate items reporting on my credit report when I didn't give permission to report theses items on my credit report and Pursuant to 18 USC 8, I owe No Debt. These company 's are violating my consumer right to privacy pursuant to 15USC1681b 2. Company has no permission to report ANYTHING using my info pursuant to 15USC1681 4.
Product: Mortgage

I am a residential mortgage broker in Illinois and have been licensed since XXXX.There has been an ongoing issue within my industry that has affected consumer unfairly and thus unfair to the market as it pertains to me. New construction builders have always offered significant financial incentive in the form of significant upgrades in order for buyers using their source of financing, mortgage bankers and other companies at much higher interest rates than what the free market can offer. In particular, and this not being an isolated incident, I have been working with a long time borrower since last fall in providing preapproval and financing information with the borrower/buyer where she absolutely was committed to me because of the service I 've provided her in the past as well as having the most competitive pricing on the market. We issued a preapproval but the builder wanted their own financing company to preapprove the buyer to ensure her qualifications without obligation to using their financing. This is n't all that unusual. I recently reached out to the borrower to see when ground breaking was to take place and was informed that she has decided to use the builder 's financing source in exchange for a free {$30000.00} basement that otherwise would not be available for " free ''. She had no choice. The borrower should have the option using whoever they 'd like and has the best overall price/value. This is NOT an unusual circumstance but the norm. I understand the CFPB has been looking into this practice which prompted me to file this complaint. I have emails to document all described above if asked.
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.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated My rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act.

This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 First Federal Credit & Collections added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, First Federal Credit & Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to First Federal Credit & Collections, however they remained negligent and did not respond or delete the unverified account from my credit report.
Product: Student loan

There are a few issues with XXXX XXXX : 1 ) I keep getting correspondence from them about two loans ( identified by account numbers in the next section ). Only one was even reporting on just one of my credit reports ( XXXX ) -- and that one was deleted for being unverified, which to this day it still is. The total amount for this ONE loan account was about {$260000.00}. Insanity! They are still contacting me about this loan even after it's been deleted from my XXXX  report. I've even gotten a late payment notice with an amount past due of {$2900.00} as of XX/XX/2018. This is really crazy to me. I am a senior citizen and live on a limited income, so it is frightening to ( still ) be getting bills and notices in the mail and for such large amounts! 2 ) Alongside this is the fact that the second loan ( shown as list of disbursements ) I keep getting mail notifications on as well for {$0.00}. This account isn't in my legal name and needs to be deleted on top of it already not being verified either. 3 ) Bottom line is that I have repeatedly asked for verification from XXXX   XXXX and after SEVERAL MONTHS have not received a shred of proof, which is why the larger account was deleted from XXXX. They are still reporting this account with the other bureaus in order to keep sending me bills ; please tell me how an account can be verified and unverified at the same time? Both accounts need to be deleted.
Product: Checking or savings account

I have {$7200.00} in funds tied up in my now closed Wells Fargo account that I have not been able to gain access to or retrieve funds from since XXXX XXXX XXXX. My sister sent the funds to my personal Wells Fargo checking Account from her XXXX XXXX checking account. Wells Fargo flagged the transaction as fraudulent immediately, and froze my personal checking and savings account. An email was sent to me stating the next steps they would take and a letter was also sent in the mail from WellsFargo via XXXX. The letter stated the transaction was on hold due to an expected dispute by the sender to be filed. It stated that if a dispute was filed by the sender ( whom was my sister and sent the funds to me willingly- not by accident or fraudulently ) then the funds would be returned in a check to her name/address. It also stated if no dispute was filed within 60 days that the funds would be released to me and mailed in a check form for the remaining balance that was in my checking & savings account. There was never a dispute filed or intended to be filed as I stated my sister sent the money directly to my Wells Fargo account. I have reached out to Wells Fargo countless amounts of time. They will not release my funds to me and I am at my wits end with this company as they are holding my money for no apparent reason, and basically insinuating it to be fraud when in fact there was no fraudulent activity, clearly there was also never a dispute filed either. There is no reason why I have not received a check with my funds from my account that they froze XXXX of 2021 and closed for absolutely no reason.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), it has come to my attention that Experian, as a consumer reporting agency, has reported late payments on my credit report, thereby violating my rights under 15 USC 1681 Section 602, which states my right to privacy.

Furthermore, under 15 USC 1681 Section 604A Section 2, the FCRA mandates that a consumer reporting agency can not furnish account information without my explicit written instructions. Experian 's reporting of late payments without proper authorization constitutes a breach of this provision.

Additionally, 15 USCS 1666B specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Experian 's inclusion of late payments on my credit report contradicts this regulation.

Therefore, I demand that Experian rectify these inaccuracies on my credit report immediately and ensure that my rights under the FCRA are upheld. Failure to comply with these statutory provisions may result in further legal action to remedy the harm caused by these reporting inaccuracies.
Product: Debt collection

XXXX XXXX XXXX XXXX and apex asset management XXXX PA XXXX XXXX XXXX XXXX PA service XX/XX/19 Balance of bill in the amount of {$110.00} was paid in full and deducted from my checking account on XX/XX/19 I was in the hospital XX/XX/19 staring receiving bills in XXXX original amount was over {$280.00}. 
I called XXXX XXXX XXXX explained I had many bills from co pays and coinsurance and was paying all of them something each month, explained i would make payments which i did starting in XXXX we are talking two months here. I made payments resulting in the {$110.00} balance in XXXX .even though I was making consistent payments and contacted their office they still sent my balance of XXXX to Apex Collections, ( not fast enough for them!!! ) NOTE I paid the balance to XXXX of XXXX prior to receiving any notice from Apex. I contacted APEX-XX/XX/XXXX they say neglected to update the records and now i need to send proof. To me this situation is unjust and undo and unnecessary harassment. XXXX received payment and should rectify this matter!