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

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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$300000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; TXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX : {$1200.00} ; XXXX XX/XX/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

Ive been trying to reach out to the creditors and Experian regarding the inaccuracies on my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Mortgage

the year XX/XX/2007 I sighn a contract for sale my house by owner with my tenant rented my townhouse for 3 years. I agreed my XXXX XXXX XXXX to be a buyer lawyer. I find out my contract was again my agreedment. fisrt : my tenant hire a realtor agentAttorney XXXX, second I have to lie to the Hud loan program that I receive {$110000.00} ( {$110000.00} ) so she can pay to her realtor agent {$6000.00}. My tenant 's XXXX used to ask me buy my house with {$160000.00} by 24 Karat gold. at that time XXXX received welfare and food stamp. I call to the office layer to cancel the sale, in the meanwhile I went to Bankrupcy court to stop the forclosure. On XXXX I receive the envelop summon that I have to be at the court next day. The rulling the order I have to sale my house to her brother just been in USA for 2 years with the mortgage Hud program 5.5 %
Product: Credit reporting or other personal consumer reports

Experience has flagged my personal car loan account as high risk I want this flag removed today Potentially Negative XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened Balance Status XX/XX/2016 Paid, Closed. 

This is what is on my credit report the judge told Experian to stop flagging consumer in this manner in prior court cases I want it removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX has incorrectly attributed late payments to my consumer report, despite the fact that all payments were made on time, in full, and on their respective due dates.
Product: Credit card or prepaid card

In XX/XX/2019 - all my BOFA accounts were closed due to a banking decision. I respect it but there is an error and I did not do anything wrong. I paid for everything on time - nothing bad. I want to discuss with someone why I get blacklisted. Please contact me.
Product: Mortgage

The mortgage company has not offered me any type of mortgage relief. I feel I have no other option but to sell the property. The mortgage company will not even give me time to look for a buyer. The current buyers see that it's showing as foreclosure, so all the offers are coming in under value of the property. They are waiting for the sale on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX  accounts listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following creditors has violated my rights : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, # XXXX, # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, these incorrect name and addresses remain listed : These incorrect name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Mortgage

I am dealing with Mr Cooper who is very difficult to get a live person on the phone. The only option was forbearance. I have had the loan for over 12 years, been a few days late in mortgage payment twice, it was a 5 year arm and then went to variance percent. It has more than doubled since XX/XX/XXXX and because I am not working they will not allow me to refi to get a lower monthly payment. Also I can not put my husband on the loan because they said that would be a refi. Mr Cooper told me to go directly to FHA. 
I then went directly to FHA which took days to get a hold of and they told me the wouldn't work with me to get a fixed rate loan and get a manageable payment, the best I can do is a forbearance plan. My husband is a vet but because he is not on the house ( and he does have a low credit score ) we cant get a va loan. 
I have made payments every month and am only {$2400.00} or one month behind as of XX/XX/2020. While we can make payments we just need them manageable. Mr Cooper is not even nice when you do speak to them reminding that I have been charged all the late fees and interest during this pandemic!
Product: Debt collection

Every year around tax time I receive notification from a collection company being hired by XXXX XXXX XXXX saying I owe money I dont owe when I was a student at XXXX XXXX which is also known as XXXX XXXX XXXX XXXX XXXX. The school is now called XXXX XXXX XXXX XXXX XXXX. It was a XXXX XXXX program. The current collection company contacting me is convergent outsourcing. Last I spoke with XXXX XXXX XXXX XXXX XXXX   my account is paid off.
Product: Consumer Loan

A CSR from Titlemax in XXXX, TN has broken the privacy policy. She took the title to my vehicle, the first page of my contract ( with my personal information on it ), and a letter from the state of TN denying their request to be made lien holder on my title to XXXX XXXX telling them to fill out a discharge of lien paper and give it to her because when XXXX XXXX released the lien on my title the store associate had not put the date next to her signature. The XXXX XXXX employee that the Titlemax CSR spoke to when she took the papers into the office saw all of the information on the contract page because the CSR laid the papers down on the counter in front of her and said that my name was even highlighted on the paper. I used to work XXXX the Titlemax employee went to and the XXXX XXXX employee she spoke to was XXXX and she now knows not only that I have a loan with Titlemax, but she saw all of the information on the first page of my contract twith them. I can not even begin to explain how embarrassing this is and how upset I am about my private information being shared which is a clear violation of the privacy policy that was explained when the loan with Titlemax was established. The XXXX XXXX employee explained that she could not give a discharge of lien to anyone other than myself or the state of TN if requested because of privacy laws in TN, and then contacted me to let me know what had happened.
Product: Credit card

I purchased solar panels with a wells fargo visa card XXXX for over {$4000.00} dollars approx 4 months ago and never received the order. They pocketed the money and did not purchase or ship the products from the mfg. When I complained they said be patient the ship is in middle of XXXX. 
When that proved to be FRAUD and False, I cancelled the order but they promised a 2nd order was coming. Now that has proven false also. 
So my only request is that WELLS FARGO NOT DEFRAUD ME LIKE THE SELLER. THEY CLEARLY STATE THAT VISA CARD CUSTOMERS GET THE CHARGES REVERSED WHEN SELLERS COMMIT FRAUD AND DO NOT SHIP THE PURCHASED ITEM TO THEM. 
FOR SOME UNKNOWN REASON, WELLS FARGO BANK IS SITTING ON THIS AND REFUSING MY REVERSE OF OVER {$4000.00} DOLLARS. HOW MANY MONTHS DOES WELLS FARGO TAKE TO MAKE A DECISION ON OBVIOUS FRAUD. THEY SEEM TO BE ACCUSING THE VICTIM OF HAVING COMMITTED A FELONY. i AM NOT A CROOK AND DID NOT DO ANYTHING WRONG.
Product: Debt collection

Its now been 2 years since this company took me to court to sue me. I appeared in court and the debt was discharged. 
This company continues to put in my credit report and has made me not eligible to seek other credit advances. I have disputed this account over 10 times and still its on my credit report. XXXX is the one company that the charge off is record it. I say again I have spoken to this company several times Again I had appeared in court what happens when someone credit is messed up could I sue this company.
Product: Debt collection

Civil action lawsuit judgment has been in the favor of the consumer. Reconciling this debt and to be removed permanently from consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1. XXXX, # 2. Experian & # 3. XXXX about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX  ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act XXXX. A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. It is illegal to report transaction history. 15 U.S. Code 1666b - Timing of payments the account was paid in full and should not be listed as a charge off.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.
Product: Debt collection

I have two collections reported on my credit history. Both in the amount of {$670.00} and from XXXX. I have twice contacted ic systems about verifying the accounts. The first time, in XXXX I received a letter stating that they could not verify the accounts and would stop reporting them. They did not stop reporting them. I sent another verification request in XX/XX/XXXX, I received a response stating that they can not respond because they need further information to include a reference number from previous correspondence ( I have never received any correspondence except from the above stated instance and that letter had no reference number. ) they also asked the name of the creditor, and any phone number they have used to contact me. They have never called me, and I dont have the name of the creditor. So they are reporting to my credit after stating they couldnt verify my debt, they dont know who the creditor is to this unverified debt, and are asking for a reference number I have never received for a debt they can not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  Credit Card - secured and silver are reporting my credit cards ever 7 days lowering my credit score and lowering my ability to maintain my credit. 
Please see attached how TransUnion refuses to properly add back my points even though I am paying off my credit cards and have lowered my debt-to-income ratio!
Product: Payday loan, title loan, or personal loan

I borrowed {$1000.00} fro XXXX XXXX XXXX. XXXX XXXX failed to disclose that they are under investigation by CFBP for their lending practices. In addition, they are not licensed to issue loans in the State of Washington, where I am a resident. 

If I were made aware of this issue, I would not have obtained the loan.
Product: Credit card

I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
Product: Debt collection

In accordance with the Fair credit reporting act XXXX account name XXXX 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 an account without my written instructions.

The amount listed is {$3700.00}.
Product: Vehicle loan or lease

At the moment I am having a hard time with the payments of the vehicle due to the vehicle having to be placed in the shop on multiple occasions. Since purchasing the vehicle it has been in the shop since the first week on and off. The warranty center in which I was instructed to take the car to failed with multiple attempts to fix the vehicle. I can provide paper work showing the work the warranty center did was in fact a failed attempt resulting in me having to come out of pocket over {$2000.00} within in a 2 month Period. Not to mention I was advised that the car would die within a year time due to corrosion in the breaking system and in the suspension system which I have video as well to prove as well as the ongoing gas line issue. I posed the question to XXXX XXXX about getting out of this loan or possible getting it transferred to another vehicle in which she stated when I was ready to call her and wanted to focus on the current issue. However she never answered the question. She asked that I send the proof of repair. In which I had my breaks, roaders, and calipers and a break line leak repaired something that was preventable if the warranty company that completed this work back in XXXX took the time to do the work correctly. XXXX XXXX advised that if I sent the proof of payment within 24-48 hours max the back car payments would be deferred. I sent the documentation the same day she asked on XX/XX/year> and I didnt get a response until a week later XX/XX/XXXX in which another payment has come due and now she is advising In order To defer the payment I would have to make a payment. A payment that I dont have. I believe this was intentionally done because of the ongoing issues I have been having I believe they are now trying to corner me in a no win position. I am requesting assistance with this matter as time and time again between the seller, warranty company, finance company it has been nothing but run around and hassles. I will also be filing a complaint with the XXXX  as XXXX XXXX XXXX has been rude and obnoxious making me feel like I am doing something wrong for preferring the work being done on my car is done by a qualified and rated shop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my Equifax credit file. I have disputed these items time and time again. I disputed these on XX/XX/XXXXthat I had no knowledge and I did not authorize these inquiries. I received an email the next day on XX/XX/XXXX that the investigation was completed and they were not going to remove them. I called back on XX/XX/XXXXand spoke with a representative name XXXX and inquired about the inquiries and she advised that there were no inquires on my report. I asked if she was sure and she said there are n't anything showing until inquires just regular accounts. We were disconnected I called right back and was advised by another representative that there was n't any inquiries showing not even soft inquiries. I called on backXX/XX/XXXX to check to insure that there was n't any inquiries and the rep stated that yes they are. I told her about the phone call last night and the two reps said nothing was showing. I did not authorize these inquiries, the inquiries are. I know Equifax was the affected by a Security Breach this summer and I am afraid that my credit file might have been apart of that breach. XXXX XXXX - # Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - # Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Checking or savings account

I attempted to withdraw funds from my skrill account and my account was immediately locked with no explanation why.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an erroneous NON EXISTING item ( Bankruptcy ) to my consumer report that they are claiming is verified when the furnisher ( XXXX ) has conducted an investigation after i disputed the item and they deleted and removed the item ( XXXX XXXX ). Furthermore, i never gave permissible purpose to furnish any negative item to my consumer report, much less an item that can not be actively verified! I have disputed several times with XXXX yet they continue to reflect this outdated/ erroneous item which is directed violation of my rights as a consumer. This suggests willful non compliance after my request for maximum accuracy. This inaccurate reporting of this item has caused a severe damage to my credit worthiness. I am requesting this item ( Bankruptcy ) be DELETED and REMOVED from my consumer report.
Product: Student loan

In XXXX and XXXX I began making extra payments on the my loan with Wells Fargo to get ahead of my balance. This resulted in my payment due dates being pushed forward-so at XXXX point I did n't have a payment due for 1 year out. I made a decision in late XXXX to utilize that feature of the pushed forward payment date because I needed the extra cash. It was not a forbearance or income continent loan. My statement indicated that I did n't owe a payment for close to a year and I did n't make the payment. I understood interest would accrue. However, at no point via my statement or a separate letter did Wells Fargo inform me that when I resumed payments they would only applied to the interest accrued during the timeframe. Also they did n't notify me of the amount accrued during the time and how long it would take to pay it off. It was n't until XXXX XXXX that I started to realize my balance was n't decreasing at all. I was set up for auto payments and saw several adjustments include XXXX reductions for my monthly payments. It was messaged to me that the reductions were to ensure I stayed on track towards the end term date. When you are on auto payment, you do n't have a choice to not have your payments adjusted they do it based on the monthly re-amortization. Now, I have two years of accrued interest that must be paid and I am still accruing interest while i '' m paying that off. They informed me that I likely would have a balloon payment at the end of my loan term to account for the additional time to pay off this accrued interest. There was a complete lack of transparency regarding this process, the impact of my decisions and my ability as a consumer to make an informed decision. If I did n't call and ask all of these questions, I still would n't know what was happening. They shared that they no longer have this practice but I had been grandfathered in. Lucky me! Wells Fargo went out of their way to provide just the bare minimum of information via statements and their website without any concern about the impact to the consumer.