23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I financed a car in XX/XX/XXXX it a XXXX XXXX with Santander. At the end of my loan I had a significant balance which was predatory. The car was subsequently repossessed. I received a bill of {$6500.00}. I attempted through legal representation as well as personal representation to get this resolved. The balance was sold to a collection agency where I settled and paid {$2500.00}. Santander continues to report derogatory on my credit report after I settled. I later found out that legal action was brought against for the very thing they did to me. Its now XXXX and I was told that it will not be removed until XXXX. This is unfair and I feel victimized all over again
Product: Credit reporting, credit repair services, or other personal consumer reports

For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and Equifax have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXXwhen I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XX/XX/2023 after I received a call from a creditor who was attempting to report a transaction to the credit reporting agency. I was told from the creditor that my report had a block for fraud. I contacted the number that was left to contact Equifax and was told that my account didn't have a block or hold for fraud. I was also told that there would be no discrepancies in repotting further on. Equifax is discriminating against me and retaliating for previous complaints made through the CFPB. Positive payment history is being blocked from reporting, yet adverse and inaccurate information is being reported somehow when I was told from an Equifax supervisor that no information would be further reported.
Product: Checking or savings account

I was a victim of identity theft earlier this year XX/XX/2022. Someone opened up other accounts in my name through Wells Fargo. They closed all of my accounts, and did an investigation. They found that it was NOT me and not my fault and told me I was okay to open up another account. Well Im XX/XX/2022 I opened up another account and they told me my only account option was clear access checking ( which is NOT what I had before and is a LOWER tier back account with a LESS benefits than my previous account. Since it was determined that I was a victim of identity theft then why am I not allowed to open up the type of account that I had previously!
Product: Payday loan, title loan, or personal loan

Per State if Georgia, this loan was done ILLEGALLY. You all did NOT inform me that ANY loans in Georgia are ILLEGAL. I have turned EVERYTHING over to the State of Georgia AND to the Attorney General. The state of Georgia has already sued you all once and will be doing it again. Here is ALL evidence to back my case. Any communication made to me WILL be forward to ALL attorneys involved. This is also a cease and desist order for any communications made. Any attempt made will be additional charges brought up and all phone calls are recorded as well as time/ date stamped. The State of Georgia has also assigned state and federal attorneys to represent me on this. From here on, all communication WILL be done between you, Loan At Last, and the State. No one is exempt and the state will also handle those false claims. A copy of this email has been saved and as well as sent to the Attorney General.
Product: Student loan

I have been fighting this loan process since 2012. These loans were handed off from AES to NCT and I have been fighting with AES and they tell me to go to NCT. So here we are. I ca n't understand how you can keep someone in default for over 4 years and this is acceptable. I have been paying as agreed and I want to get out of default. You have ruined my credit and continue to do so and make no efforts to settle this debt. Per the terms of the agreement the loans can reach default but it does n't state it must remain in default once it is placed there. Or that you ca n't get out of default. Read section I of the agreement. I 'm not here to ask for a XXXX balance. I 'm asking to get out of default so these loans can get paid off. You have ruined my credit long enough. I live in XXXX, my loans were serviced out of XXXX and they are sitting in XXXX. Someone somewhere in some state says this is wrong.
Product: Debt collection

I have spoke. With XXXX. I do not have a bill. They agreed. I call southwest collection and they know it is a fraud. Why isnt it taken off? It said derogatory which is not true. The collection agency said they would take it off. They did off of one credit bureau but not this one
Product: Mortgage

Due to XXXX, our household had loss of income in XXXX. In an attempt to keep our head above the water, we went the XXXX forebearance route on our mortgage. Our mortgage company is reliance/dovenmuele and our loan was current when we entered the forebearrance. Close to the year mark of being in forebearrance, in XX/XX/XXXX, I contacted the loan servicer to end our forebearrance and do the partial claim with the missed payments by adding them to the end of the loan or a second interest free loan. I received paperwork for a loan modification and refinance in XXXX that had an extra {$12000.00} added to the refinance. I contacted the servicer again due to the paperwork not being the partial claim or the correct total. The mortgage servicer has not once contacted me or returned my phone calls. I received another set of paper work 3 months later in XXXX and another set in XXXX, all while trying to communicate with them that the amounts in the documents arent correct nor are they the partial claim we discussed and was available to me. I have left messages and made Inquiries as to ending the forebearrance. I could not resume payments bc the mortgage company would not accept them while my forebearrance was still active. On my mortgage account documents, there are notices for XXXX, XXXX, and XXXX that I never received or was contacted about requiring me to pay all missed payments by the first of the month. The accrued amount has increased monthly and now they are reporting my loan as being delinquent for all the payments. Still, no one can tell me whats going on and requests for contact for information are ignored.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I noticed a XXXX charge for XXXX on my account ending in XXXX. I called Elan Financial Services to advise of the fraud charge. They opened a fraud alert and cancelled my card. They assured me that the the account was closed and no other charges would occur. I received my new card and noticed a feature on the credit card application XXXX that showed a " reoccurring charge '' of {$14.00} for XXXX. I called customer service and they told me not to worry about it, that it was for the other card number and I won't have a problem or new charge again. Yesterday XX/XX/XXXX I noticed another charge for XXXX for {$14.00} under my new card ending in XXXX. I called Elan Financial Service again, went over everything. A new fraud claim was opened, a new credit card was issued. They said they won't follow up with XXXX, they also told me that I can either keep my account open or just " close it for good '' because XXXX in the Fraud Department who said she is the " main XXXX  '' said this charge will " just keep happening '' and there is NOTHING THE BANK/Financial Institution will do. I asked to speak to a XXXX she refused to transfer. She basically did NOTHING to resolve my now ongoing problem. I advised I would file a complaint with the CFBP she didn't care. I contacted XXXX, they advised me a of a partial email account of the fake account. They also stated that I would not receive any further charges on either account. They XXXX XXXX  ) also stated they would issue two refunds to Elan Financial for each charge. I did the work of Elan Financial Service- My credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof that I was the victim of identity theft. The problem still remains ; there are accounts impacting my score in a negative way. Please help solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example experian gives you a FICO Score XXXX, but lenders use FICO score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my FICO score for the mortgages and auto is much lower than what the FICO score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how FICO determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.
Product: Credit card or prepaid card

Netspend Skylight is a bank that I use only to receive my tips and is required to have at my XXXX job. I rarely use it and usually only check it occasionally since I use it as a savings account. On XX/XX/23, I logged into my account to check how many savings I had accumulated over the past month. By the way, I already had a physical card that that I didnt activate because I had fraud with this company sometime last year so when they sent me a new physical card I didnt activate it due to the fear of it happening again. Plus I was planning on saving my tips anyways. Once I signed in on XX/XX/23, I saw that XXXX was gone from my account due to fraudulent charges. These charges started on XX/XX/23 and went on everyday from there. I filed a dispute that same day and informed them I didnt authorize these charges. I also informed them that I never activated my physical card. This is where I found out that a digital card was activated online which was then used for these transactions. One of the representatives said the dispute team will investigate and I will receive a temporary credit in about 10 business days if they deem these transactions as fraudulent. I asked them to make a note on the account that I never activated the card that was used to process these transactions so someone mustve obtained my account information and activated a digital card. I waited until XX/XX/23 and called back in hopes of receiving the credit, but when I called the representative told me that the dispute team already made a decision on that day and I was declined the credit because they didnt see any errors. Frustrated, I asked for documentation and to speak to the dispute department to understand how they came to that conclusion. They said I will have to wait 10 more business days until I receive the documents in my email and until I can speak to the dispute team. I received the documents in my email on XX/XX/XXXX around XXXX and called the bank on XX/XX/XXXX at XXXX to speak to the dispute department since the document they sent didnt make much sense and had false information. They informed me that the dispute department doesnt have a direct phone line so I will have to wait for a call back from them within 2 business days between XXXX. I asked to speak to a supervisor because this is the third time I have to wait days in order to try and get this resolved. However, supervisor said I will still have to wait 2 days until XX/XX/23 to speak to the dispute team since theres no direct line. Before hanging up I asked about my original physical card and said if there were any transactions made on that card. This was my attempt to try and prove I didnt activate the card. The representative confirmed that no transactions were made on the physical card and how it was a paused card. Why would I activate a digital card when I still had the physical copy and never activated/deactivated it? This is my last resort in trying to receive my money back.
Product: Payday loan, title loan, personal loan, or advance loan

Purchased new XXXX phone with affirm on XX/XX/year> Agreed to total number of payments 24 Totaling {$970.00} First payement Starting XX/XX/XXXX {$40.00} Made a first payment of {$500.00} right before new years to knock the monthly payment down to around XXXX with 23 installments left. I come to find they slashed our contractual agreement in half to now 12 mo they at the same XXXX. When even the agree say totla mumbe of payments is 24 months. No where did they have a disclaimer that they can change the number or payments at anytime not did they give me the option to stay at 23 mo ths left or have 12 months instead. It is a complete breach of co tract with the consumer base and what they are portraying to the consumer with 24 months at XXXX percent interest by randomly choosing without the consumers consent to make my payment now all due within 1 year instead of the 24 months of payments I testified and agreed to pay based on the inception of the agreement.
Product: Checking or savings account

On approx. XX/XX/year>, I deposited a third party check. ( Note : I have deposited third party checks from the state on other occasions, but different person ). Chase bank put a hold on the check. They are still holding but have closed my acct. The funds are not available to me. They are trying to contact the payee by phone linking. We have spoken with t mobile and they have expressed that they have done everything on their end. 

I have continued to contact Chase bank with no result. I receive monthly ACH from SSI/SSXXXX . Chase sent payment back. It's XX/XX/XXXX. I still have not received. I offered to bring payee in a branch with us. Chase said no. I need my money. They won't return the check. 

I have never committed any fraud I am in the verge of becoming homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding a collections account that has yet to be removed from my credit file. Equifax informed me that they would do an investigation and I submitted documents supporting my stance on the matter. Equifax failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.
Product: Debt collection

XXXX XXXX put a collections on my credit report and charge my accountant I been connecting them no response been calling XXXX XXXX XXXX since XXXX when my account was positive I want this to be disputed of my credit report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX Main bal. {$8600.00}
Product: Credit card or prepaid card

Aft

er filing a dispute against Chase bank with the CFPB, I believe Chase bank closed my account without proper authorization or legal cause. My demands were very clear in my complaint, and I did not give authorization to have my account closed unless they were fully, and clearly met. This was retaliatory. I made them aware that I will be reporting this on a new website, which I am building with my own money to warn others of this incident, and what I believe are predatory credit practices ( to which over 50,000 people agree, proof attached! ), and they closed this account in direct retaliation. Further, I can prove that I can easily pay this amount in full, at any time - with a credit history that shows I am not a " risk '' as they would call it.
Product: Bank account or service

I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days. 
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX. 

I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with. 

Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time.
Product: Mortgage

Our property school tax bill was due on XXXX XXXX, XXXX. I received the bill on XXXX XXXX, XXXX and forwarded a copy of it to our mortgage company, Wells Fargo. Wells Fargo wrote back to me on XXXX XXXX, XXXX stating they receive this bill directly from the tax office and will be making this payment from our escrow account, and that I do not need to send this bill to them in the future. So they have a copy of the bill and know the taxes are due and the correct amount that is due on XXXX XXXX, XXXX. To date, Wells Fargo has not paid these taxes and we are now being assessed penalties of XXXX % every other month. The amount due is currently {$3500.00} with penalties of {$350.00} for a total due of {$3800.00}. I received a notice from the XXXX XXXX XXXX XXXX, to which these taxes are owed, stating that our taxes are now delinquent and a lien may be filed against our home. I have called and spoken to various representatives at Wells Fargo over the past 3 weeks. I spoke to XXXX XXXX on XXXX/XXXX/XXXX and she said the taxes would be paid by XXXX/XXXX/XXXX. They were not. I called again on XXXX/XXXX/XXXX and spoke with another representative who said the file would be escalated and would be paid. The taxes remain delinquent. There is plenty of money in our escrow account to pay these taxes. The notations on our account state that the next tax due is XXXX/XXXX/XXXX. This is incorrect but Wells Fargo refuses to change it or pay the taxes that are now 5 months late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 
I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.