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

Equifax had a massive breach years ago. Even so I still had to pay them {$10.00} to freeze my credit file and set a PIN. It's not much money, but that is still extortion. Since then they made a website to manage the freeze. I tried logging in today to temporarily thaw my file, but the website would not allow me to log in ( my credentials are stored in a password manager, so they were correct ). The page gave me a number to call and there was an automated system that prompted me for my social security number and to answer 4 questions based on information in my credit file. I was never prompted for the credit freeze PIN I set. This means that anyone with my social security number and information from my credit file ( remember, this is information these people let loose MORE THAN ONCE because they are poor stewards of my data ) can thaw my file with equifax. I tried calling in and asking why this was the case, but the support rep could barely speak English and could not understand what I was asking. It took me more than a half hour to speak to them, too. I am beyond furious. I have XXXX control over whether these people have my data and they are not securing my file like they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,   XXXX  ,  Hunter-Walfield Inc   XXXX   XXXX   XXXX   XXXX   XXXX  Florida  XXXX  placed a debt on my   XXXX   credit file.     I, was notified by  XXXX  of this action by  Hunter-Walfield Inc  on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX   I spoke with Hunter-Walfield and according to them they placed this debt on my file because my name is the same as a debtor from  XXXX  Florida.     They also informed me that they did not have any personal information on the debtor from the creditor. No!   SS #   or    Date o  f Birth  ,  just a name.      Hunter-Walfield Inc  never reached out to me, before taking this action against me.     They are blindly posting debt to my credit file. This type of action needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with Wells Fargo was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended Wells Fargo is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

The information the credit companies have is incorrect. My name address and other information is incorrect. I have been trying for 5 years to have you fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX XXXX MI XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.

15 U.S.C 1681 Section 602 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, Im writing CFPB in regards to a debt from XXXX XXXX XXXX  and XXXX that was paid back in XXXX, and to make matters worse this debt is past the 7 year limitation. I have been getting harassing letters demanding payment. I tried to let them know that this debt has been taken care and its passed the limitations but I got no where with representative from Credit Control LLC
Product: Debt collection

A debt purchaser ( Portfolio Recovery ) acquired XXXX credit card accounts in collections. I paid them in full under the agreement that the collections accounts be removed from my credit report. They agreed. I paid in full. Not only have they refused to remove the collections accounts, the dates on the items reflect the purchase date, and not the original credit card account opening date ( this effectively adds two years to how long this will impact my credit score ), and on my XXXX report it shows as paid in settlement and not paid in full. 

I have contacted them several times and they admit to having recordings to this conversation, but claim, now, that it is against their policy to remove items from my credit report and they deny that there are any inaccuracies being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today marks 31 days that i filed a dispute and i haven '' t received any information and their not complying with their own policies in a timely matter which is 30 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I discovered a debt on my Transunion report from a company called " XXXX '', which alleged I owed a debt in the amount of {$380.00} for a product called XXXX XXXX. I have disputed this account numerous times and I have even provided evidence that the alleged debt was sold, sold again, and re-sold to several debt collection agencies before seeking payment from me. Each time, Transunion simply stated that the debt had been verified. No evidence has ever been provided by Transunion or XXXX. 
On XX/XX/2023, I filed an Identity Theft report with the FTC. I additionally filed a police report with my local police department on the same day. These reports and my complaint were provided to Transunion. Transunion later replied that they would not take action on my claim for some unspecified reason. 
I have twice filed a complaint, under oath, that this is not my debt and that I have never received any goods or services from this company. This debt is seriously hurting my credit. XXXX once sent me a piece of paper that had two items listed that were purchased (? ) on the account, but there was no other information. There was no identifying information ; Nothing to prove my responsibility for the debt. 
Transunion has now taken the stance that both of my statements under oath are perjurious. Neither XXXX, nor Transunion, have been able to provide some manner of evidence that I PERSONALLY am responsible for this debt. 
It is my opinion that the debt was sold and swapped between several different collection agencies so many time that the address was somehow confused with my name ( as I loved in an apartment building for a short time during this episode ) and that I was then held responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received multiple private loans from XXXX XXXX in XXXX to attend XXXX XXXX XXXX XXXX in XXXX, TN. Due to medical issues with my son, in XXXX, I filed bankruptcy. My bankruptcy was discharged XXXX XXXX, XXXX. During my bankruptcy, XXXX XXXX became Navient. Since my discharge, I have made multiple attempts to reconcile my student loan debt, including settling several of the loans. When I log into the Navient.com website and XXXX of the settled loans continue to show in a past due status. Another of the private loans, shows current but Navient refuses to apply any of the money paid them to the principal, apply it only to the interest. On the loan detail page, it states that my repayment plan is Full Principal and Interest, yet when I call Navient they state it is in an Interest Only repayment plan. On that same loan, in regards to the repayment, they send me a paper statement that I do not have a payment to make, then but I see on the website that they are expecting a payment. I call to the customer service department and they immediately transfer me to the collections department, who then states that my loans are not past due, so they proceed to transfer me to customer service who continues to be unable to help. I asked to speak with a manager, at which time I was placed on hold, then received a message stating that they were closed.
Product: Debt collection

Jeff capsys states I owe them for a Verizon bill for the {$110.00} that I have no knowledge about and never set up. I disputed this account many times stating it was apart of identity theft and they still won't permanently delete it. It's been updated as of XXXX and is hindering me from building my credit back to excellent standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I lost my wallet where I held all my important information like id and social security card and etc. Ever since losing my wallet, I've notice unauthorized activity on my credit profile.
Product: Mortgage

Cardinal approved a refinancing on my house in early XX/XX/2022 and the night before I was to sign the actual loan documents, I reviewed them and found they had sneaked in two poison pill clauses not previously seen in their disclosures. One clause allowed them to take over my trust as soon as I died. This clause has been used by banks to steal billions from the estates of deceased persons including one very well publicized case involving XXXX XXXX charging an estate for huge legal bills without the knowledge of beneficiaries and putting a much larger mortgage on the house benefiting XXXX XXXX. The other clause was " Without Recourse '' which means I could not sue Cardinal if they screwed up, defrauded me or I found the contract violated the law. Cardinal also failed to put in the contract what was promised to me in emails-that I could recast the loan at any time with no charge. Without this promise being in the contract, it was not enforceable and a fraudulent empty promise. I told Cardinal I would not sign the contract until all the above items were corrected but they refused claiming their slimy business practices were the industry standard. I then refused to sign this immoral and probably illegal contract.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX because has failed its legal obligation under the the Fair Credit Reporting Act ( FCRA ). XXXX failed to properly investigate my disputes regarding inaccuracies in my credit report. XXXX failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requiring immediate corrective action, as Experians in action violates federal law and my Consumer rights. XXXX practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal Law. 
The Accounts to be Removed below Disputed Accounts/Account inaccuracies : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Mortgage

Regrettably, Pulte Mortgage 's operations, particularly exemplified by its Loan Officer XXXX XXXX, have manifested a significant lack of responsiveness and procedural clarity. During our pursuit of a loan decision, we encountered multiple challenges characterized by the imposition of repetitive and intricate conditions, along with a perplexing verification process. Notably, the demand to upload comprehensive documentation onto their portal was met with assertion of non-receipt, despite its submission. Similarly, our attempts to provide documentation via email were met with requests for duplicate uploads on the portal, thus entailing a confusing and redundant cycle. 

Following protracted efforts in furnishing requisite documentation, continued exigencies surfaced, including an unattainable mandate for proof from the IRS, which had previously communicated its inability to accommodate such requests. This sequence of events invokes a perception of deliberate inefficacy, ostensibly compelling applicants to rescind their applications, effectively enabling the retention of associated funds. Furthermore, the assurance of a {$20000.00} contribution towards closure by the builder was overshadowed by Pulte Mortgage 's realization of {$10000.00} in fees and points, constituting an unfavorable outcome. 

In summation, the encountered experience has been unfavorable, prompting a decisive caution against engaging with Pulte Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and XXXX XXXX ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.
Product: Mortgage

I got a mortgage for my home in XXXX. XXXX  was the lender, who on my mortgage documents, automatically assigned to XXXX XXXX XXXXe ( XXXX )., In XX/XX/XXXX, Wells Fargo took over as my mortgage servicer. 
On XX/XX/XXXX, after 18 years, Wells Fargo decided to record the reassignment of my mortgage in XXXX XXXX clerks office, from XXXX, XXXX to themselves. They list the starting date for my original mortgage XX/XX/XXXX, XX/XX/XXXX as when they took over my mortgage. This is totally false information. They took over as my mortgage servicer XX/XX/XXXX. 
A Wells Fargo Loan analyst, signed the reassignment document as a XXXX  employee ( Asst Secretary ). 
Where's the original reassignment document signed by a real XXXX employee?
Product: Vehicle loan or lease

Under 15 U.S.C. 1666a, if a debt is charged off, that means the original creditor has written it off for tax purposes. If they sell it to a third party, you no longer owes it- because you had no contract with the new collector.
Product: Debt collection

I XXXX XXXX Received a letter from Penn Credit Corporation stating I owe a debt which is a violation pursuant to 15 USC 1692b ( 2 ) that states any debt collector shall not state that such consumer owes any debt. I also did not consent to my information being stolen or sold to any alleged debt collector.Pursuant to 15 USC 1692c ( a ) ( 1 ) i gave no consent to Penn Credit Corporation to contact me at anytime.
Product: Credit card or prepaid card

Every month there is an additional amount added to the purchases without an explanation. Usually over {$1000.00}. This month it is {$1300.00} plus. 
Last month I paid twice, close to {$3000.00} total. 
I wrote for an explanation and didnt receive an answer to my question. 
I pay the charge in full each month. I feel that they arent making any money on me with the interest charge so they are adding amounts to be paid. Usury, I feel. 
When asked to explain they told me that the card is an international master card, which I already know. They didnt address the question. They are double billing I feel.
Product: Checking or savings account

On or about XX/XX/2024, respondents did proceed to close account of claimant. On XXXX, XXXX XXXX, XXXX did inform claimant that there would be no arbitration on the closed accounts. Claimant asserts that this constitutes a violation of the Federal Arbitration Act 9 U.S.C. Sections 1-16. Claimant furthers that respondent has not acted in good faith by the Unlawful Closures of Claimant accounts, which the funds contained therein have not been relinquished to claimant. Respondent has not used ordinary care with the Claimant account. 46 U.S. Code 31309 - General civil penalty Except as otherwise provided in this chapter, a person violating this chapter or a regulation prescribed under this chapter is liable to the United States Government for a civil penalty of not more than {$10000.00}.
Product: Money transfer, virtual currency, or money service

I have been scammed and I contacted the citibank to get my money back. However they said it was proven that I willingly gave the money. I understand that I willingly gave the money but I was scammed so I wish to put the stop on these fraudulent charges
Product: Credit card

I received the attached letter which again makes no sense whatsoever. I see this account is still not handled. I have gone round and round with you for years on this account and this is very wrong. 
I still have the original letter you sent advising you researched this account and found it does not belong to me and now you are changing your mind again? This has gone back and forth so many times. 


We never authorized the payments from an account ending in XXXX and the account was made and accessed by the person who opened and accessed this account. The hospital and doctor records we sent you confirmed we had no way to open an account in XX/XX/XXXX as we were XXXX  and XXXX  for the entire period of XXXX XXXX-XXXX XXXX 

You are harassing and violating many laws and regulations against a XXXX military family. This is very wrong and the effort you put into helping me is awful. 

I have tried time and time again to get help from your offices. 

XXXX and XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : Chase CreditCardExecutiveOffice XXXX ; XXXX XXXX Subject : Re : Message from Chase Executive Office there should be a huge refund coming back to me for all the overpayments and charges not belonging to me.

we were already told this was handled more than once and then sent multiple letters advising you removed it from our credit record and we are not responsible and then you continue this and it's not handled.

This case needs to be closed in full and handled. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : Chase CreditCardExecutiveOffice XXXX ; XXXX XXXX Subject : Fw : Message from Chase Executive Office Still receiving and getting phone calls this is not right This should be fixed and handled by now. 
From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : Chase CreditCardExecutiveOffice XXXX Subject : Re : Message from Chase Executive Office XXXX Thank yo for getting back to me Im hoping you will be the final one to close this out and resolve this in full.

Im still getting calls an emails stating payments due and passed due. This is incorrect. 


From : Chase CreditCardExecutiveOffice XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Message from Chase Executive Office Dear XXXX XXXX : Im writing to let you know I am still researching your concern. I will contact you once it is complete.

If you have questions in the meantime, I can be reached at XXXX, extension XXXX. Operator relay calls are accepted. I am available Monday through Friday from XXXX XXXX  to XXXX XXXX. Eastern Time. Thank you for your patience. 





Sincerely, XXXX Chase Credit Card Executive Office XXXX XXXX Fax ; its free from any Chase branch Chase.com Reference Number : XXXX This message is confidential and subject to terms at : https : //www.jpmorgan.com/emaildisclaimer including on confidential, privileged or legal entity information, malicious content and monitoring of electronic messages. If you are not the intended recipient, please delete this message and notify the sender immediately. Any unauthorized use is strictly prohibited.
Product: Bank account or service

Wells Fargo allowed a 3rd party ( XXXX ) to withdraw funds from my savings account. Being a savings account this should have never happened. XXXX was supposed to withdraw funds through my Visa/Debit card, which is tied to our checking account. This has about XXXX in NSF check fee to my Savings account. Money withdrawn by Wells Fargo has caused another XXXX in NSF fees to my checking account. I believe Wells Fargo was intentionally using this situation to fraudently create NSF fees, by timing transfers from checking to savings, to time periods the knew would cause futher damage. A savings account should never be able to be accessed by a third party, it is not a checking account.