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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Mortgage

I was forced to renew my mortgage at nearly TWICE the existing rate and pay fees that were not applicable by : Rushmore Loan Management Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Tel # XXXX My original XXXX XXXX XXXX XXXX XXXX agreement allowed me to renew my mortgage every XXXX years at a rate equal to the present 30 year mortgage with no fees. The present 30 year rate is plus or minus 2.87 %. The agreement and practices of XXXX XXXX XXXX XXXX have been deemed illegal in a class action lawsuit resolved in XX/XX/XXXX. I would think enforcing any illegal predatory lending practices across state lines would be a felony. Since XXXX I have been renewing my mortgage at or about 3 % without issue. I never agreed to having my mortgage sold or transferred. I am XXXX XXXX XXXX, a XXXX XXXX and was unemployed for a period during the XXXX year due to the Covid Pandemic. I can not afford to have my mortgage payment more than DOUBLE. I can not afford the illegal fees being imposed on me by Rushmore Loan Management Services. I have complied with Covid regulations and XXXX XXXX XXXX  I have complied with their demands but deem them illegal. 

Documents can be provided upon request. 

Rushmore needs to renew my loan at or about 2.87 % with no fees as was the practice since XXXX.
Product: Debt collection

XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop porfolio recovery associates for attempting to collect a debt
Product: Checking or savings account

I opened the account through iXXXX because Chime was advertising a {$250.00} bonus if you opened a new account with them and you signed up for direct deposit and you deposited {$200.00} or more within 30 days after opening the account. I met all requirements that were asked of me. I have spoke with SEVERAL members from their support department as well as SEVERAL supervisors from their escalation department. I've got well over 30 emails of the same emails just in this last attempt to resolve this and they keep asking me to send in screenshots of multiple things to which I have done SEVERAL times. They just keep starting me over wanting the same requests over and and over again. I've even got a email from one of their support members stating I've met all requirements but they still haven't made true to their advertisement. Im not the only one that has made several attempts to get them to hold truth to what they advertise. I've also seen that they have just closed accounts saying that people didn't meet terms and conditions to have a account with them. I just want this resolved and someone put a stop to their fraudulent advertising. I've been dealing with them since XXXX XXXX and only started trying to contact them after I met all requirments after the 30 day period yet they never held up their end of the deal that they advertise. Is there anything that can be done about this misleading false advertising?
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 Wells Fargo Account beneficiary fraudulently accessed our business account with another bank. They initiated a wire transfer in the amount of {$49000.00} to Wells Fargo account XXXX ( see wire transfer confirmation and enlarged pages ). This was fraud. Wells Fargo was alerted by our bank 's fraud team, bit delayed the response for a swift recovery allowing the fraud actor to withdraw the funds. The delay, which was not reasonable, provided an extended window of opportunity for the fraud actor to withdraw the funds. However, the issue should never had been able to transpire in the first place. Wells Fargo was negligent in its interactions with the fraud actor by allowing this account to be opened in the first place. Wells Fargo failed to take commercially reasonable steps to prevent the fraud activity. The account was opened using the name " XXXX XXXX XXXX Services '' out of California. A simple and basic record search with the California Secretary of State would have identified no such entity exists ( see 2-page screen shot of the Secretary of State website showing no such entity exists ). The negligent manner Wells Fargo sought a new account rather than taking its own policies for verification is further idiotic as the address for this fraud account actor is listed at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. A basic " XXXX '' online search ( results attached ) shows this as a XXXX room shack property, certainly not reasonable to be an XXXX XXXX XXXX. Either of these methods used to take commercially reasonable efforts to verify the valid identity of this fraudster would have and should have raised concerned if in fact these were properly verified before allowing them to open the beneficiary account with Wells Fargo. Wells Fargo made no effort to responsibly act as a banking institution and allowed a pathway for fraud to occur to which I was the victim.
Product: Student loan

My stepdaughter and her father took out a private student from Ascent ( with him as co-signer on the loan ), and as the sole member of our family to have attended higher education, I believe they were substantially misled by this company every step along the way. During the application process they were encouraged by Ascent to choose a loan with a variable rate ( on the rationale that it is apparently their most popular option ), which given how interest rates have risen their rate I understand is now over 15 %. The latest I've heard is they've had difficulty reaching anyone at the loan 's servicer to discuss options available to them. In addition, my stepdaughter regularly reads Ascent 's blog for students, including their tips on personal finances - these appear to be written by someone lacking relevant qualifications, but instead by a college student or intern. I found out my stepdaughter relied upon one such blog post to determine what the deadlines for filing the new FAFSA were for this year, which the article stated was XX/XX/year>. This was apparently incorrect, given some states set earlier deadlines and as a result she potentially missed out on available funding. I just read a Ascent blog post on college tuition, and they show a hypothetical breakdown of a tuition bill, and the math is even wrong on it!! 

Sadly I don't have the resources to pursue any kind of legal action - maybe another effected consumer does .... Anyways, to date I've not been involved in my stepdaughter 's financing of her education, but given the types of companies offering their services, I believe I will certainly need to be going forward ( and will not be choosing Ascent for her future private student loan needs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank Usa Target has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State XXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.
Product: Money transfer, virtual currency, or money service

All money thats was reported due to not having a customer service rep to help with unauthorized chargers that could not be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Jefferson Capital Systems for inaccurately reporting a debt on my credit report and failing to provide proper validation despite my request. Jefferson Capital is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below are the key issues : 1. Failure to Validate the Debt : - I requested debt validation from Jefferson Capital Systems in accordance with the FDCPA that shows they received on XX/XX/year>. While they responded by claiming they are the current creditor, they have failed to provide sufficient documentation proving ownership of the debt or an original signed agreement. 
- Despite my request, Jefferson Capital continues to report this unvalidated debt on my credit report, which is a violation of the FCRA.

2. Inaccurate Credit Reporting : - Jefferson Capital has been reporting incorrect and incomplete information to the credit bureaus. Their failure to stop reporting while the debt is in dispute constitutes willful and negligent noncompliance with the FCRA.

- This inaccurate reporting has caused damage to my credit score and has resulted in significant financial and emotional hardship. 

- The continued inaccurate reporting and lack of proper validation have caused damage to my creditworthiness, anxiety, and emotional distress. This situation has also created financial hardship for me.

I am seeking the following resolution : - Jefferson Capital must remove this inaccurate tradeline from my credit report.

- They must provide full validation of the debt, including proof of ownership and an original signed agreement.

- If they can not validate the debt, they must immediately cease all collection efforts and credit reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My wife and I moved to XXXX XXXX in XX/XX/XXXX, and we transferred our credit card debt when we moved. My wife has no plans to return to the U.S., so she hasn't received any emails from BOA. However, on XX/XX/XXXX, at XXXX XXXX XXXX time, I received an email about a collection on my wife 's credit card debt. I checked it out, notified her, and she immediately made an international call to pay it off. The problem is that she was charged about {$240.00} in late fees. The initial credit card debt was about {$290.00}. She moved to XXXX XXXX and disconnected her US cell phone. As a result, she did not receive proper notification of the unpaid amount. She paid off the credit card debt immediately after receiving the notification. I am wondering why it took you ( BOA ) 6 months to send me an email. I protest BOA for not giving us this opportunity, as we could have reduced the late fee if you had notified us earlier. I would like to get at least part of the late fee back if possible. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX CHILDSUPPORT 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, Trans Union and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but Experian has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. XXXX experian and XXXX please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the issue with regards to my previous auto loan with Ford Motor Credit since XX/XX/XXXX. I've sent Ford Motor Credit letters and sent the CEO emails. I've sent proof of bankruptcy and subsequent discharge. I've sent them copy of court order. The issue is not resolved and it's clear that my consumer rights are being violated as well as the bankruptcy relief law. 
According to XXXX and XXXX, Ford keeps " updating '' this account that was XXXX through bankruptcy which is a direct violation of the bankruptcy relief law. With XXXX, they keep reopening this account. With XXXX they keep switching and changing how many payments were missed. According to the Bankruptcy Law, once a debt is XXXX in bankruptcy the debtor-creditor relationship is done. The company no longer has the right to pull credit, continue to add negative remarks on the account, or to report negative activity in any way to the credit bureaus. Furthermore, it is blatantly illegal to report the account as open, change missed payments negatively, or to report as a charge off AFTER the Bankruptcy has been XXXX. For Ford Motor Credit to change up missed payments, or to reopen a closed account that was XXXX in Bankruptcy is a blatant violation of the Federal Bankruptcy Law. The Bankruptcy was XXXX XX/XX/XXXX. It is now XX/XX/XXXX and Ford Motor Credit has yet to resolve or correct the issue. Not only has Ford Motor Credit violated the Federal Bankruptcy Law, they have violated FCRA guidelines and statute of limitations by manipulating the information regarding this account.
Product: Credit reporting or other personal consumer reports

Upon receiving my credit report. I noticed that I have accounts showing on my credit report that states their charge off. According to IRS, canceled debt ( charge off ) is gross or ordinary income. Therefore, income does not get reported on my consumer report. The charge off is inaccurate states law 15 USC 1681e ( b )
Product: Checking or savings account

I would like to withdraw {$140000.00} from my account. The bank tells me it will take a little over a week to receive it. It is my money and I should be able to access it today! Im
Product: Debt collection

In XXXX of XXXX, I spoke to the leasing agent of the apartments I was living in at the time about needing to move out of the city due to certain personal reasons. In XXXX and XXXX of XXXX, the owed debts were reflected on my credit report. As the statute of limitations in Texas for debt collections ( not considered mortgage debt ) is a maximum of 4 years, I have disputed said debts with the reporting credit agency. However, my disputes were resolved and resulted in the debts continuously being reported on almost 7 from the date of my first delinquent payment. I also would like to highlight section XXXX of the Texas Property Code which states that debt is owed only until a replacement tenant is found. Though I lack proof of any leasing tenants after my move out date, with the entity being located in a prime real estate market ( XXXX XXXX County - XXXX, TX ), I feel that it is more likely than not that the unit has held subsequent tenants. 
Thank you for your time and help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete hard 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
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 confidentially under 15 USC 1681. 
XXXX XXXX Account XXXX XXXX, 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