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

On XX/XX/2023 I received a report from all 3 credit bureaus stating XXXX XXXX placed my account into Collections. 
On XX/XX/2023 I Disputed with all three Credit bureaus regarding XXXX XXXX. For starters XXXX XXXX illegally sent my account to collections months before the legal requirement of 180 days. As well as filed and sent me a copy of Form 1099C Cancellation of debt under code [ G ] signifying that all debt has been paid In Full. I sent this evidence to all 3 Credit Bureau and they only changed the status from Collection to Paid In Full/After Charge off. 
I also noticed that the new reportings from the bureaus all had different last payment dates. 
XX/XX/2023 I Disputed again that this account should be closed and Paid in full and not a charge off or collection, and this time the reports status said Open and comments read late on no more then two payments past due. And the last payment made disappeared. 
I then contacted the bureaus and expressed to them that this is a form of Tax fraud from XXXX XXXX because they tried to charge off the car after filing a 1099c to cancel 100 percent of the debt and then try to send me to a collection agency to get more money out of me on top of trying to illegally repossessing my car. I have alerted the IRS of this matter as well.
Product: Payday loan, title loan, or personal loan

ON XX/XX/XXXX I VISIT THE XXXX XXXX XXXX LOCATED IN XXXX XXXXXXXX XXXX 
A CREDIT APPICATION WAS SUBMITTED FOR A XXXXXXXX XXXX 
DURING THE PROCESS NO AMOUNT WAS DISCLOSED. 
SHORLTY AFTER THE DEALER ASKED IF I HAD A DEPOSIT ILL BE WILLING TO PUT DOWN WHICH I DEINED. 
THE APPLICATION WAS RECIVED BUT HAD A PENDING STATUS AND WAS TOLD ILL BE CALL ONCE A DISCUSSION HAD BEEN REACH. XXXX XXXX XXXX  I FINALLY SPOKE WITH DEALERSHIP WHERE THEY SAY SHEFFIELD FINANICAL WAS REQUESTING A CO-SIGNER. REASON STATED BECUASE OF LOAN AMOUNT. IVE EXPLAIN THAT NOT ONLY HAVE I PAID OFF EQUITMENT NOT FAR FROM THE AMOUNT IN THE PAST IT WAS PAID OFF EARLY. I ALSO INCLUDED THAT I HAD ANOTHER LOAN FOR THE WITH HIGH LIMITS PAID OFF EALRY. 
ON XX/XX/XXXX I CONTACTED Sheffield Financial ServicesXXXX WHERE I WAS BY XXXX XXXX. I ASKED FOR HIS COMPANY CONTACT INFORMATION. HE THEN BECAME VERY AGGESSIVE. I TOLD HIM HIM I WOULD CALL BACK. FOLLOW THAT CALL I CALLED BACK IN SPEAKING WITH XXXX XXXX. I REQUSTED THE COMPANYS INFO, I WAS THEN PLACE ON HOLD SHE STATED SHE DIDNT HAVE ANY INFORMATION. MOMENTS LATER XXXX XXXX GOT ON THE LINE STATING " IS THIS XXXX YES WE MADE OUR DECISION AND WE DONT WANT TO DO BUSINESS WITH YOU AND HUNG UP ''. HE NEVER INTRODUCED HIMSELF AND DIDNT LET ME GET A WORD IN .... I HAVE DOCUMENTS FROM THIS ACTION ALSO. 

( audio files are to long for upload please provide an alterative source ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing a collection account that was being reported in error and noncompliance with Metro 2 on my XXXX credit report was deleted on XX/XX/XXXX, it was then re-added on XX/XX/XXXX back onto my XXXX credit report without notification to me beforehand.
Product: Credit reporting or other personal consumer reports

XXXX and the other two credit bureaus show a XXXX  student loan on my report that has been transferred to XXXX from Dept of EDXXXX XXXX However, the credit report still reports that the account is still under the Dept of EdXXXX XXXX. The account has been transferred to XXXX since XX/XX/2023 and should be paid in full. XXXX states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the XXXX bureaus, and after contacting XXXX XXXX they stated that the last time they reported was on XX/XX/XXXXXXXX XXXX
Product: Mortgage

After 3 months and providing all required and qualified documents and assets needed to close the Refi they told me that they can't close on conforming loans any longer. Thus, they extended the closing date to mid-XXXX and turned the loan into a " non-conforming loan '' and asked for substantial assets that needed to be provided which I met. 

Despite meeting the new assets requirements I was still denied due to a non-disclosed internal timeline. I asked the loan agents and Fulfilment department to disclose these with me in writing but they never did. _- Please note that I provided all required documentation asked from me within 24-48h and that a delay of over 2+ months occurred as loan agents and underwriters didn't move forward in the process, never responded, couldn't find or upload documentation I provided to them, and so forth. 

This " process '' has been malpractice from the beginning. As mortgage rates went up during the process and as there is nothing to gain from my Refi, Wells Fargo intentionally delayed the process, added more miscellaneous requirements ( without proof in writing ) to the process only to deny the loan. 

All of the loan agents I talked to are the epitome of bad customer services and dubious business practices. I would like all ( long-term ) clients to know that Wells Fargo is not able nor willing to Refi any conforming loans unless you have cash assets to cover 12 months of mortgage payments, insurance, and property taxes ; son on average $ XXXX $ XXXX. ( which I have ). Even if clients meet these " new requirements '' which are never disclosed in writing despite numerous attempts customers may still be declined. Meanwhile, other Banks and Brokers are providing in-house appraisal and allow clients to refi using the standard conforming loan. 

Long term clients are given the run-around, being lied to, and questions to reveal terms and conditions simply denied. I am seeking an immediate investigation into the Loan Processing Department and Wells Fargo to reveal on their websites that they are not able to provide confirming loans and revel the terms of conditions of the non-conforming loans. Clients who wish to close on time and save money, especially during these times, should not waste their time and money and know what to expect.
Product: Credit reporting or other personal consumer reports

I have XXXX consolidated federal student loan with XXXX XXXX XXXX XXXX but now there are XXXX duplicate accounts with double my actual balance reported to the credit reporting agencies from XXXX. This has decreased my XXXX XXXX by XXXX points. I have not received a response from XXXX.
Product: Debt collection

I received my first call from XXXX XXXX from Genesis Debt Collections with a voicemail on XX/XX/2024 then again on XX/XX/2024 after I contacted them to see what the debt was for, after being told that it was a debt of {$1800.00} and that it was from XXXX Apartments I told him I wasnt going to pay because it was a wrongful charge from a spiteful landlord. I have then received XXXX calls from XXXX XXXX from Genesis Debt Collections since then. Those dates are XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024.
Product: Credit reporting or other personal consumer reports

These companies ran my credit over and over. Please remove these hard inquiries off my account immediately. These fraudulent hard inquiries have affected my credit score, as well as keeping me from finding a place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to XXXX XXXX and transunion because my rights have been violated under Federal law. Understand that if these accounts are not removed from my report immediately, I will have to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Debt collection

I was notified by my credit protection company that a collection account appeared on my XXXX report filed by Credence Resource Management XXXX XXXX, TX. It alleges an unpaid debt to XXXX XXXX XXXX of {$4200.00}. I have never had any relationship with XXXX XXXX XXXX. XXXX is filing a dispute for me. I was notified on XX/XX/2023 that the collection account was listed on XX/XX/2023.
Product: Mortgage

i had a major issue a few months back had to get you involved still took MONTHS to fix. That was with my escrows cashing my checks and not appplying to my account. Did anyone care were was my $ $ $ for months I have XXXX complaints the FIRST is I never received my interest statement from the the mortgage co to be able to file my income tax today is XX/XX/XXXX? I have talked to a feothw other people who have not gotten their 's either. Coldwell Banker mortgage is the holder. Also since the problem I had last year I have mailed my mortgage payment to the same address for 16 years XXXX to XXXX servicingaddress. NOW all of a sudden they have my payments for days and do not post my payments till till days later and charging me late fees. I feel my account is flagged because of my complaints to you regarding there incompetence because prior to that never a issue Then they start calling me to collect a debt!! WHAT options do I have to refinance to get rid of them will cost me thousands to not lower the monthly payment by much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently under the CARES ACT of 2020 for my FHA Mortgage loan with BB & T. Based on the guidelines under this act, my credit is not supposed to be effective. However, BB & T is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at BB & T stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX.
Product: Debt collection

XXXX did not reach out to me at the correct address or via online communication that I have debt owed. The only way I discovered I had {$52.00} still owned on my Insurance is that it showed up on my Credit Report XXXXXXXX XXXX. When I discovered this, I immediately reached out to my Insurance Agent who works with XXXX as she had handled all my insurance policies directly. It took XXXX 2 months to confirm the payment and how to pay. I have full documentation on this. 

I never received a request for payment for this amount. I paid the charge with XXXX immediately once I received information on how to pay. I never received a communication from the credit collectors that this was owed as well before it showed up on my credit report. 

It is still not removed from my credit report impacting my score of over XXXX points and it not allowing me to get a home mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX on XX/XX/2022. I checked my credit and there was already a capital one credit card out in my name/ssn and it was used but not paid back so my credit is really bad. Im not sure where the credit card is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$640000.00} ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX # XXXX  was removed from XXXX. Transunion and XXXX keeps reporting this account to my credit profile.
Product: Debt collection

Last year in or around XX/XX/XXXX I opened and account with the XXXX XXXX XXXX for my son. This account was open temporary because in order to have an XXXX you must have a major carrier. Then my exwife will pay my son cell bill. I call XXXX XXXX XXXX and told them that I want to change the plan from month to month and then I canceled the account. XXXX XXXX XXXX kept sending this bill for {$50.00}. I DO NOT OWN THIS COMPANY ANY MONEY. 
collection agency ( Credence XXXX XXXX XXXX XXXX
Product: Credit card

American express makes it so difficult to file a warranty claim now. I filed a claim for a {$21.00} wrist watch that was damaged and per their warranty policy they replace any damaged item within 30 days. They required me to fill out an exhaustive amount of forms and also requested information that is no business of theirs like my home owners insurance policy number. I have been a loyal customer for more years than I can count. No more. I believe they are unfair and deceptive in their descriptions of benefits to card holders. Please investigate the for fraud and unfair and deceptive practices.
Product: Debt collection

FCC Financial alleges they acquired my loan from XXXX yet has never sent any proof. They have repeatedly called my personal number sometimes 4 consecutive times. They have been in violation of the FDCPA due to their harassing nature as well as failure to provide proof.
Product: Student loan

My student loan is through Great Lakes. I had been struggling with making payments. Last month I used their online repayment program explorer. I selected " explore my repayment options ''. It clearly states that for a payment of {$520.00} I would have the loan paid off within 70 months. I called to set this up and was then told that it would be payment of {$850.00} a month if I wanted to pay it off in 70 months. I explained I was looking at my account and it clearly stated {$520.00}. I was told this was not accurate. I have since then looked at my account to explore repayment options and it still states this amount. I have attached screenshots from my account.
Product: Mortgage

On XX/XX/XXXX I called Bank of America to make a mortgage payment since there was no way to split it online. I wanted to send {$1000.00} from XXXX XXXX and the remainder they took over the phone to equal {$1700.00}, the same amount I pay every month. Nothing has posted to my mortgage, the amount sent from XXXX XXXX XXXX {$1000.00} was electronically delivered on XX/XX/XXXX and they can not find it. Bank of America has had all the information they requested for weeks now. Their wait times on the phone exceed 1 1/2 hours at times. None of my emails have been answered. Many  promises for calls back from supervisors and no one follows up. I have spent over 30 hours on the phone trying to resolve this since XX/XX/XXXX. 

Today I made a second payment of {$1000.00} to protect my account while they are still trying to locate my first payment. I was told this payment made today, XX/XX/20 will forward to my XXXX amount due once they locate the original payment they received on XX/XX/XXXX. I was also told by making this 2nd payment today, I am currently not late, even though my account indicates I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though Equifax have removed most of the fraudulent information from my consumer report, and even though they have VERIFIED TO ME that my information was involved in their data breach of 2017, they have not removed the last student loan account from my report and it is preventing me from recovery.
Product: Credit reporting or other personal consumer reports

This letter is a DEMAND for the immediate deletion of unauthorized inquiries on my credit report, as these are a blatant violation of my rights under federal consumer protection laws. I did NOT authorize these inquiries, and any record of them being on my credit report is not only misleading but also illegal!

According to **15 U.S.C . 1681b ( c ) **, no one has the right to access my credit report without my *expressed, written consent*. For each of these unauthorized inquiries, I am requesting the **method of verification** under **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ** that these entities had permissible purpose to pull my credit. You are required to provide documentation showing my signature explicitly authorizing these inquiries.

Since no such documentation exists, you are legally obligated to delete these items IMMEDIATELY. I am also well aware of my rights under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, which detail the civil liabilities for negligent and willful non-compliance with the FCRA . If I do not see these inquiries permanently removed within 30 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated. 

Here is a list of the unauthorized inquiries : XXXX. XXXX  One/Walmart - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. 

I demand that you delete these inquiries immediately and send me a new, updated copy of my credit report reflecting these changes. 

I am not requesting. I am telling you to comply with the law. Take action now. If you think I wont follow through on this, just wait and see. 

Consider this your first and only warning before I take this to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank N.A. has pulled my credit once per month for 9 months from XX/XX/XXXX to XX/XX/XXXX. I have not applied for a credit card with this company. I contacted their customer service, the agent was able to locate an application for someone with the same first name, last name and date of birth as me. However, when I gave my Social Security Number the representative stated it does not match what is on the application. Their frauds department suggested I put a freeze on my account but they are responsible for making sure they are pulling credit for the correct person.
Product: Debt collection

I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried working with TransUnion about continuously reporting a late payment in the amt of XXXX from XXXX of 2019 they ran the payment before the money was in the acct once the funds were deposited the account was short Due to previous attempt from XXXX XXXX XXXX they reached out to us by phone and we were told if payment was submitted the would not report it but they. Did now from what I gather from TransUnion they can report this payment every 24 months and it will continue to make my score decrease until 7 years has passed so no matter how hard I work every two years my score will take a bit with TransUnion
Product: Debt collection

I have sent multiple debt validation letters to LVNV Funding, requesting proper validation of the debt associated with THIS FRAUD ACCOUNT
Product: Debt collection

Vehicle ( Collateral ) information was given on how to retrieve it back from XXXX XXXX as lein holder against vehicle, do not owe
Product: Mortgage

My father XXXX XXXX XXXXXXXX XXXX was sold Wells Fargo home mortgage insurance on his residence. This was double checked by me ( his son ) and a third person to avoid chaos in the event of my fathers passing. In fact, I requested my father to double check to make absolutely sure the mortgage was insured to avoid losing his house. Wells Fargo sent a multi page document describing the insurance and how much he was paying extra to retain the insurance. I personally reviewed this document and never saw an accidental-only clause. 
My father passed away on XX/XX/XXXX from XXXX related issues. 
So I sent in the mortgage claim form and the form was rejected due to his type death was not covered. To this day I can not find the multiple page Wells Fargo home mortgage insurance document in any of paperwork left by my father. The lady helping my father with his computer work could not find these documents either, but swore the mortgage was insured if he passed away. 
At the time of my fathers passing there was about {$280000.00} outstanding balance on the insured home mortgage. After finding the mortgage was not insured I had to desperately sell my fathers assets to keep from defaulting on the home loan. This caused an enormous amount of collateral damage to the family. 
Now recently I received a letter from Wells Fargo regarding unauthorized enrollment, but nothing about misleading consumers about the coverage of the mortgage insurance. In this recent letter, Wells Fargo makes it obvious that the coverage is for accidental death. This was not the case for the letter received years ago from the Wells Fargo XXXX XXXX branch I reviewed personally. 
I contacted Wells Fargo about the letter and was transfer XXXX times and then disconnected. The letter is dated XX/XX/XXXX with a reference number of XXXX. 
Do other people have claims of Wells Fargo misleading customers into believing they have mortgage insurance when they do not? 
Any help will be greatly appreciated, XXXX XXXX