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

On or about XX/XX/XXXX, an open collection appeared on only my Equifax credit report. The collection is allegedly for a medical bill of {$270.00} that I got charged on XX/XX/XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I was XXXX to XXXX. I am an XXXX XXXX XXXX XXXX. My healthcare is free. There is no possible way that I incurred this debt. I made a complaint with Equifax. They investigated it and said that is was a legitimate debt and kept it on my credit report. I never incurred this debt. It is not possible. This erroneous report will cost me money because it has dropped my credit score over 50 points from my XXXX credit score, which does not have this report.
Product: Debt collection

To Whom it May Concern, XX/XX/XXXX, I canceled service with XXXX. I moved out XX/XX/XXXX. 
My next statement period started XX/XX/XXXX ; they charged me for another month before cancelling my service. 
I called XXXX repeatedly and would talk with a supervisor who would look into my account and say, " this is a mistake and you do not owe the money ''. 
I wrote XXXX XXXX XXXX an email and by mail ( Dispute # XXXX I never received a reply. 

I then received a notice from CBHV a collection agency reference # XXXX. 
I again sent them a dispute request along with the original note sent to XXXX and never received a reply. This was mailed XX/XX/XXXX. I never received a reply. 

On Monday XX/XX/XXXX, I received a call from another collection agency Convergent at my place of employment. I am extremely upset that they are calling me at work for a debt I do not owe. 
I received on XXXX XXXX I received a notice in the mail from XXXX trying to collect the debt. I again will send out another dispute this time certified mail. 

This is all for {$75.00} I do not owe this money and have repeatedly tried to dispute this. 
I am extremely distraught that they are calling my place of employment. 

If there is anything you can do to help me settle this I would appreciate it. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal protest against the veracity of the data in my most recent credit report. Upon closer inspection, it appears that the report contains a number of errors that have had a negative impact on my credit history. 

The credit report has revealed a significant departure from what was anticipated, which is an extremely unsettling finding. 

Being aware that the Fair Credit Reporting Act requires credit reporting companies to provide the most accurate information possible is your responsibility as a consumer. Due to the potential harm they may cause, these errors may make it unjustifiably difficult to obtain credit on fair terms. 

Given these errors, I humbly ask that a new copy of my credit report be sent to me after the necessary corrections have been made. a truthful assessment of my creditworthiness. 

I'm sure you'll approach this situation with the utmost professionalism and diligence. I place the utmost importance on the accuracy of the data in my credit report because it is essential to my present and future financial security. 

I really appreciate you paying attention to this. We greatly appreciate your quick action in correcting these errors. At your earliest convenience, kindly provide any updates on the state of this disagreement.
Product: Mortgage

In XXXX, following a divorce I entered into a loan modification agreement with Wells Fargo. 
I was required to pay a payment and a half as well as a XXXX ( not sure ) initial payment to bring my account current. 

As a more informed consumer, in XXXX, I inquired about my loan and was advised that they restarted my loan, losing 8 years of payments in which I was unaware of. 

The facts my mortgage is about XXXX. XXXXX=XXXX. 
XXXX x 8 years is XXXX for a XXXX. XXXX loan default which was repaid. This is extremely against consumers protection. 

Please investigate and advise. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute online with Transunion regarding an account that is inaccurate and damaging my credit. The agency took longer than 30 days to respond and did not complete anything at all but send me a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to willfully non comply by removing 2 adverse inaccurate Non public personal information. 

US DEPARTMENT OF EDUCATION XXXXXXXX US DEPARTMENT OF EDUCATION XXXX Accounts have been illegally Reaged since first dispute..
Product: Debt collection

It was told to me that it wasnt paid but I know I the balance.
Product: Credit reporting or other personal consumer reports

I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what XXXX XXXX XXXX company is nor have I ever had an account with this company update** I reached out to XXXX XXXX XXXX, it was stated that this company could not locate an account for me but they're still reporting on my credit profile
Product: Debt collection

This is a fraud account as a result of identity theft. 
Account opened in XX/XX/2023. And after about month on XX/XX/2023 I see a notification on my credit report that I have a collection for {$37000.00}. I called them and they are demanding {$190.00} to remove the information which I do not want pay for something I'm not aware of. I am a victim of fraud. 
Creditor Information I.Q DATA INTERNATION XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the removal of these items from my credit reports, which is the result of a mistaken credit reporting and incorrect credit report information. This items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that were opened without my permission which were reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2022, I went to WELLS FARGO BANK in XXXX XXXX, XXXX, and presented a Purchase Money Loan and a Retail Purchase Agreement for a car from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with me. I presented to him the above items for processing. XXXX XXXX XXXX hereinafter " XXXX '' XXXX questioned who did I get the XXXX XXXX XXXX. I told him XXXX XXXX XXXX XXXX emailed it to me. XXXX then said he can't do this because they only deal with the car dealership, not the consumer. He also said that they only do personal loans and business loans. I then asked him to forward it to the credit department and let them process my request. He refused instead, made a call to the credit department and XXXX XXXX told him that the dealership has to go through the department in order to purchase a car. I then presented a Purchase Money Loan for {$5000.00}, for goods, services, and household products and again XXXX said he can not do it because he only deals with personal loans and business loans. I told him this was a personal loan and he said I would have to apply by way of a credit application. I informed XXXX that my presentment is my application for a Purchase Money Loan. He said he could not accommodate me. Under Title 16 CFR Sec.433.1 ( d ) entitled me to this request. Please provide me an email and I will forward my presentments to you to support my claim of unfair and discriminatory practices at the WELLS FARGO BANK IN XXXX XXXX XXXX
Product: Mortgage

Good Afternoon, we had been working with a mortgage client who had a mortgage with XXXX XXXX XXXX and then transfer to Bayview after 4 years working loan modification was approved and finalize. The issue is Bayview has been placing all payments on Suspense and reflecting the client past due XXXX they have not posted any of the consumers payments properly towards the account and reflecting on credit report. They are under a violation since they are withholding payments on the account.
Product: Credit card or prepaid card

We have a Chase Sapphire Reserve XXXX. We always pay in full every month. We pay {$550.00} per year for this card. We are currently in XXXX for 90 days on a XXXX XXXX. We have no cell service and limited XXXX. We tried to purchase a tour on our card and it was denied. So we paid cash. We had used the card to purchase the cruise months ago and also XXXX tours through XXXX XXXX. Chase does not require you to file a travel plan. When we got XXXX they sent us an email asking if we had attempted to use our card for the tour or was it fraudulent. We replied it was us. They went ahead and cancelled our card even though there was no fraud. Here we are now stuck in XXXX with no cc or way to get new cards. They mailed new cards to our US address!!! We called twice and got no where. We have consistently emailed Chase requesting they reinstate our card at least till we return home in XXXX. We have begged and pleaded. We feel there us no customer service or u understanding of our particular situation. They have lost nothing. We have lost everything. No one is willing to help us. They cant ship new cards to a XXXX XXXX XXXX XXXX!! Many ports we are only at one day. We have asked to XXXX to upper management but to no avail. The new cards will sit in a mailbox. We have no new numbers, expiration date or PIN numbers. What about our automatic payments!!!! Its really absurd. We feel like XXXX XXXX  citizens and totally disrespected. We need help from someone who gets this situation. XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

NewRez LLC d/b/a Shellpoint Mortgage Servicing has : 1. performed TWO Annual Escrow account analysis calculations in XXXX XXXX XXXX and XXXX ) resulting in monthly escrow and mortgage payment increases within the same escrow account computation year, well before the completion of the established escrow account computation year occurred. They are in violation of RESPA Escrow Account Regulations, specifically CFPB 1024.17 Escrow accounts. 

2. removed my ability to view any and all, past and present, Escrow Analysis Statements online, beginning in XX/XX/XXXX, immediately following the second Escrow Analysis, claiming they did so because of a Chapter XXXX Bankruptcy that I filed in XX/XX/XXXX. 

3. continued incorrect and sloppy mortgage loan credit reporting that harms and lowers my credit score unnecessarily, as well as the failure and unwillingness to correct the accounting after I supplied valid information and after receiving disputed information from the major credit reporting agencies. This is privately enforceable under the FCRA, as I have already lodged a dispute with the CRAs, thus triggering reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). Section 1681s-2 ( b ) as opposed to 1681s-2 ( a ) is privately enforceable. See NCLCs Fair Credit Reporting 6.10.
Product: Student loan

I had my student loans through Navient ( formerly Sallie Mae ) prior to XX/XX/XXXX when the PSLF started and I also started my job in public service. During that time I had several conversations with Sallie Mae staff confirming my status in the PSLF program. Each time Sallie Mae informed me that my loans were eligible for the PSLF program and there was nothing needed on my part. In late XX/XX/XXXX I called Sallie Mae for another reason and again asked about the PSLF program. At that time I was informed my loans were not eligible. I had lost out on several years of payments toward loan forgiveness due to the incorrect information provided by Sallie Mae. On XX/XX/XXXX I called Navient to request the notes on my account for supporting documentation and was told they do not provide call notes to their consumers.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C XXXXi which mandates a reasonable investigation of disputes. Furthermore, Exquifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C XXXX ) a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX 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 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

XXXX XXXXXX/XX/XXXX ( XXXX XXXX ) Only should be once, Chase bank has a limit of XXXX pull in XXXX month this was done repeatly. XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX ( XXXX ) only should be once, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

As of XX/XX/2019 these fraudulant accounts have not been verified through signatures, photos or any other verification method that substantuates the adverse results on my credit report XXXX, XXXX and XXXX. The following accounts are to be taken into consideration : XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1691i ( 5 ) Treatment of
inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

This compliant is against Ocwen Loan Servicing Mortgage Company and is in reference to my mortgage loan. On XX/XX/XXXX I OVER PAID my monthly mortgage in the amount of approximately {$10000.00}. On approximately XX/XX/XXXX I contacted the mortgage company and requested that I be reimbursed for the difference. I was informed that a request would be submitted and I would be REFUNDED my money. On XX/XX/XXXX a wire transfer supposedly occurred from Ocwen and was sent to my bank account but the bank account number that the funds were sent to was an INVALID account because of a transposition in the account number. I have been talking with at least 3 different escalation managers at Ocwen and to this date I have not received my refund. There customer service is despicable. They are incompetent and non-responsive. They have provided no amicable solutions nor have they even attempted to trace what has happened. They appear to have done nothing but tell me that they are waiting to receive funds back from the bank before I can receive my refund. I have talked with the bank and the company every day practically since XX/XX/XXXX and I am getting no answers as to when I can get my money. I am at my wits ends because this is my life savings that I am waiting to receive and no one is helping me find out what is going on..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I placed a call to Transunion. I explained to the representative that I was challenging everything being reported on my consumer credit report and that I was not asking for verification or validation. I explained to the representative that I had previously disputed this information to no avail and that I was not provided all 5 things pursuant to federal law 15USC1692G, once validation is requested. As the original creditor, I do not validate the debts of the accounts being furnished. I stated to the representative that I was commanding immediate and permanent deletion of all negative accounts being furnished and that Transunion immediately and permanently stop reporting all negative accounts being furnished and to cease and desist any further communication with myself and any 3rd party debt collector for all purposes. I also explained to the representative that because of these invalidated alleged debts being shown, my XXXX children and me lives has been impeded and impacted and we have missed out on so many opportunities due to these accounts being furnished. I also stated to the representative that I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. I never gave agencies permission to report anything to the credit reporting agency and I never gave Transunion consent pursuant to federal law 15USC1681b ( 2 ).
Product: Mortgage

I identified new information for the cause of the XXXX 30 Day Lates on my Wells Fargo Mortgage. As previously communicated, my XXXX yr old mother got XXXX in XX/XX/XXXX and we moved her to XXXX closer to me. In the confusion, I inadvertantly missed XXXX payment, so each payment after for 3 months were also " recorded as late '' until I caught my mistake and made a double payment in XX/XX/XXXX. I sent a request in writing to investigate and remove the inaccurate reporting in " Good Will '' as I have always been on-time with my mortgage and considering the new information. I also added automated withdraw for all future mortgage payments, so it would n't happen again. I received a form letter response indicating what could be done ; nothing, and it was attached to the previous response that was sent to me. I do not think my request or new information was even looked at, just a representative doing a lookup and then regenerating the form letter decision. This is also preventing any opportunity for refinance and a way for Wells Fargo to keep me at 7.375 % when the going rate for the past 2-3 yrs has been hovereing around 3.5 %. This is unfair and Im confident this failure to investigate violates Reg Z, UDAAP, and FCRA and the subsequent improvements to FCRA that occurred in XX/XX/XXXX, and my ability to secure a new loan and refinancing ( Reg B ). I am willing to pursue this issue to the letter of the law.
Product: Student loan

I had XXXX XXXX loans. I paid both loans - all the coupons that I had for these XXXX loans - paid in full in XX/XX/XXXX. 

last year, XX/XX/XXXX, Navient told me that I had unpaid balances. When I asked how that could be, they said their were not notes entered into the XXXX loans that said these were paid in full ... therefore they charge 3.5 interest rate and I am paying XXXX per month for XXXX balances, XXXX for XXXX and XXXX balance XXXX to date I have made 11 payments of XXXX {$1100.00}. 
I get at least one call every week, they leave a message and say call us, we can help you with your loans ... I get a letter once or twice each month saying I am late with a past due balance fo XXXX ... ... I have XXXX coupon here due the XXXX of XX/XX/XXXX ... as they created coupons for me to pay each month ... as of XX/XX/XXXX - they said I have a principal balance that is XXXX ... .this amount not paid off until XXXX. 

please call me ... .I received no notifications from XXXX saying that my loans were not paid off in XX/XX/XXXX - but last year XX/XX/XXXX, Navient sends me bills for unpaid balances. 

XXXX XXXX XXXX, Co XXXX XXXX - cell