23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NFCU used inaccurate credit reporting agency data and processes as well as other known discriminatory practices and algorithms to deny my home equity loan requests and home equity line of credit requests. 

However they did use the same inaccurate credit reporting agency data and process as well as discriminatory practices and algorithms to approve personal loans to keep me on the hook during my debt consolidation. Versus allowing me to tap into my home equity which would have completely paid all current debt while maintaining a balanced debt to income ratio and giving me financial freedom. 

NFCU and the credit reporting agency are conspiring together illegally. 

My homes value currently is estimated {$510000.00} with a mortgage balance of {$280000.00}. I applied for a XXXX  or HEQ loan for merely {$70000.00} to {$90000.00} and was denied. Citing information from my credit report and NFCU algorithms for determinations. Although they wanted to lean heavily on my credit scoring, NFCUs own credit score simulation tool shows that if all my credit debts were paid ( {$37000.00} ) my credit score would be well over XXXX. 

NFCU consistently works with the major credit reporting agencies and internal algorithms using discrimination disproportionately towards XXXX people which was discovered not too long ago. I have been a NFCU member for a long time.
Product: Student loan

I am repaying a student loan through Navient. I am an XXXX member awards recipient. On XX/XX/XXXX I submitted a request to XXXX  to process a {$480.00} dollar payment to Navient. The payment request was accepted by Navient on XX/XX/XXXX at XXXX XXXX However the payment of {$480.00} has not posted as of XX/XX/XXXX. I believe that Navient is stalling the posting of this payment in order to allow the interest to accumulated unnecessarily. I want Navient to post this payment as of XX/XX/XXXX the day that it was accepted in order for a larger portion of the payment to be credited to the principal rather than the interest that is accumulating unnecessarily at this point. I have many times called Navient however since the call center is over seas, I have a very difficult time understanding the various customer representatives and am not given the in depth care that I require as a customer and am usually left with unsatisfactory outcomes.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

this company is a rip off I borrow XXXX for them I know I own them money but they are charge me XXXX in interest and I think this is crazy this company is worst then a payday load store I didn't know it was going to be XXXX in interest al they do is laugh at all of the customer company like this should be helping people and not robbing them blind the name of these company is one main financial main off number is XXXX
Product: Credit reporting or other personal consumer reports

I've mail a letter XX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report. Also, this item is a charge off and is considered a certificate of indebtedness which means it is income and must be removed.
Product: Mortgage

Wells Fargo Bank Home Mortgage has been over-charging me in property taxes because their employees are inept. They have yet to go to the County Tax Office for the correct amount of taxes due. This has been an on-going problem with Wells Fargo Bank Home Mortgages for many years now. A Wells Fargo Bank employee gave out my mortgage loan account # to known mortgage fraud criminals, who were charged and convicted of this crime. Yet, Wells Fargo Bank, Home Mortgage claims they have no knowledge of this  criminal activity. Wells Fargo Bank always denies everything until they are fined and forced to give back the money owed to the customers. Wells Fargo Bank employees work with Drug Cartels to launder money. Wells Fargo Bank employees work with Mortgage Fraud criminals, as they did in XXXX, TX with my account. Wells Fargo Bank hired those individuals who lost their positions on the Banks that were allowed to go under in XXXX. I have been having problems with Wells Fargo Bank ever since this time. Wells Fargo Bank on-line site was hacked and 2 payments were stolen from this site in XXXX and again in XXXX. Wells Fargo Bank, Home Mortgage  misapplied 2 of my payments in XXXX. My loan has been paid in full. Yet Wells Fargo Bank continues to add service fees in the amount of $ XXXX a month on a loan that has been paid in full. Wells Fargo Bank, Home Mortgage  still is missing all payments made in XXXX. Wells Fargo Bank, Home Mortgage does not have an accurate account history and is falsifying my mortgage account, just to try an line their own personal pockets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is fraudulent reporting information and now hurting my credit after months - After fraudulent activity on the card! No one has helped me and I have been sent to collections for fraud on my card and usage I did not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau isreporting inaccurate information on NFCU XXXX XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXAccount no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXAccount no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Student loan

I was assigned NelNet after Great Lakes Borrowers was absorbed. In XXXX of XXXX I applied for an IDR plan. It is now XXXX of XXXX and it has STILL not been processed. In this excessive wait, I have accrued almost {$400.00} in interest. I have called ( multiple times ), Emailed ( multiple times ) to no avail. Just this morning I got an email with all of my personal information including my full SSN, and a note saying they can't locate my account - even though I've contacted them from their online portal. 

I am at my wits end. They are doing nothing to resolve this, and I have gotten no communication other than. " We are working on it. '' Or the newest " We can't find your loan. '' I am livid with this useless loan company and feel I am being taken advantage of. I literally can't do anything other than wait for them to process my application all while my interest grows on a matter which should have been resolved within a month to two months, tops.

Come on Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in an FTC report to notify Equifax of fraudulent items on my report and they refuse to remove them. The fraudulent items are two accounts named XXXX - XXXX XXXX {$3000.00} and XXXX XXXX XXXX XXXX {$1800.00}.
Product: Debt collection

I work in collections so I am very familiar with all fdcpa violations. I was taught the most important rule is YOU MUST VERIFY WHO YOU ARE SPEAKING TO BEFORE DISCLOSING PRIVATE INFORMATION BY VERIFYING THE SOCIAL ETC. I was called by trans world systems, XXXX, she said is this XXXX, I said yes ( just to trap her because anybody can just say yes ) and she immediately went into what debt is owed, the amount, and my intentions of paying it back. I got her name, company name, advised her she never verified who I was and that she violated fdcpa regulations and asked to speak with her manager ( XXXX. ) I told XXXX that her rep never verified my social or anything else and that she violated fdcpa regulations. She told me she has been in collections for 10 years and so I asked her if she verifies the social before disclosing PRIVATE INFORMATION and she said of course. I asked what can she do to correct this problem and she said all she can do is apologize because her rep violated fdcpa regulations. I advised her I will be making a official FTC complaint and if needed will be contacting a attorney. Again she apologized and we ended the call. Also, in atleast one incident, multiple voicemails were left in one day which is also a violation of fdcpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXXY account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 30 years of accumulated Credit in good standing that has been removed from all four credit reports without my knowledge or consent. 

Due to this omission my FICO score and actual credit rating been adversely affected. 

I should have and reflect a score of XXXX. 
This error is affecting my ability to acquire jobs and land.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX credit card Spoke with them last year to cancel both cards I have other them. Their representative badgered me into keeping the cards open and promised to lower the interest rate, raise my credit limit, and waive the annual fees. None of this happened. I ceased to use the card but they unbeknownst to me slapped the annual fee on the card and then started charging me late fees when I didnt pay a bill I didnt know I had, and shouldnt have had. My credit score has now been seriously compromised. 

I have been unable to make direct contact with them, it appears any numbers only direct you to automated systems and it is impossible to speak to an actual person. 

I have attached screenshots that show their chatbot just sits on the typing screen and you can not enter any information, and there is no direct customer service number you can call.
Product: Credit card

Back in 2020 before I was XXXX there was a first progress credit card opened in my name and charged off. I have disputed it with first progress multiple times with them saying itll be off my credit with no change I have reached out to their fraud department and get a runaround of they cant do anything. I have reached out to the three credit bureaus in efforts of disputing this with minimal success. My identity was stolen, and the creditor is not working with me for a resolution. The remaining balance went to collections, which I did take care of, in efforts of getting it off my credit, because I was told that is the only way. They are still updating four years later on a closed account and is not helping me take care of this fraud. First progress also opened a duplicate account with the exact same information being reported so I have two accounts being reported on my credit when I should have XXXX with this creditor
Product: Debt collection

XXXX XXXX XXXX ( XXXX minutes ago ) to me Thank you for providing the contract between you and XXXX XXXX XXXX XXXX XXXX Now please provide the contractual agreement between you and I stating that I owe you money. Also, as previously requested, please provide Licensure in the state of florida that predates XX/XX/XXXX. 

According to XXXX XXXX XXXX Hunter Warfield , INC is not licensed in the state of florida which makes it illegal to collect debt in the state of florida which is where I reside as well as where the company is located. If you believe other wise please provide proof that you are licensed and are able to legally collect debt in the state of florida. 

Hunter Warfield claims that a collection letter was sent out on XX/XX/XXXX ; please provide proof that the letter was sent as well as received by me. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Hunter Warfield , inc has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Were these disclosures sent as well? If so please provide proof that the disclosures were sent as well as received. 

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Delete this account immediately.
Product: Vehicle loan or lease

I purchased a car from Hyundai and got the loan through Hyundai Finance. Within a month of the purchase I received a lower interest rate from my bank and refinanced the loan. My bank paid the balance on XX/XX/XXXX and Hyundai Finance took an auto payment out of my bank account for {$500.00} on XX/XX/XXXX. I called to let them know that a refund of this payment was owed. They then sent me a check for {$66.00} which bounced at my bank and I was then charged another {$30.00} from my bank. Hyundai Finance has held onto my payment calling it " interest '' The loan was for {$24000.00}, taken out on XX/XX/XXXX at a rate of 2.5 % interest. The length of time this {$24000.00} was borrowed was from XX/XX/XXXX to XX/XX/XXXX, or a total of 39 days. The interest owed after 39 days should only have been XXXX. The total payments made were {$24000.00} from my bank as the payoff and {$500.00} that they took as an auto payment. The total amount owed should have been {$24000.00} and they should be giving me back {$500.00} for the over payment and now another {$30.00} for their bounced refund check for a total of {$530.00}. I first contacted the XXXX  and the response from Hyundai is that they will look into it. They have had my money for over a month now with no refund issued.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and noticed an inquiry that I didn't initiated. I did not authorize this inquiry and have no affiliation with those creditors.
Product: Mortgage

We had a Home Equity Loan with Capital One Bank in LA. It was setup that the payments were automatically taken out of our account each month. At end of loan the last payment was NOT withdrawn for balance owed as the amount was lower [ not same amount ] than all the other payments and they did/do not, unbeknownst to us, withdraw from our account. Within 1st wk after payment should have been withdrawn I began trying to contact bank, emails & phone, to find out how and who to contact to see what happened to payment. Took about 3 wks to find person that told me about not withdrawing last payment and took payment information from me to close loan out. I WAS TOLD IT WOULD NOT BE REPORTED AS DELINQUENT. I have recently contacted bank again and was told " we DID NOT report as delinquent, a late payment ''. XXXX is showing this account " 30 days past due ''. Final payment was due in XXXX XXXX. Balance payment was made XXXX XXXX after Final Due Date as it took that long to find someone that knew what happened and was able to assist me in paying off and closing loan. XXXX, XXXX or whoever has caused my Score to drop at least XXXX points. Still good Score but it should be better.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : Amerifinancial solutions Date open : XX/XX/2022 {$1400.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$970.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$510.00} XXXX I have attached copies of the supporting documents which show that these items are inaccurate [ and explain why each document supports the dispute ]. 

Please provide me with written confirmation of the disputed items when the investigation is complete. This includes any changes to my credit report that have been made in response to this dispute.
Product: Mortgage

In my previous complaint, XXXX, I experienced issues with our escrow account, which still appears to be incorrect. 

I scheduled payments to the mortgage company, in order to catch up. However, we are still being XXXX by XXXX 's independent contractors- which appears to be evidence of fraudulent activity. There are unauthorized individuals posting notices to our door, while I am at work. 

Today, XXXX XX/XX/2023, we were home and the Loancare XXXX Representative ( a woman ) walked up to our door, DID NOT KNOCK, and just posted this notice on our door. 

Here is the link to the video : XXXX XXXX XXXXXXXX Again - calling the number on the form, does resolve the problem. When calling the number on the letter ( which is posted with scotch tape this time, to my front door ), there is no response from XXXX Loancare. 

When I spoke with XXXX XXXX, Senior Client Liaison with XXXX Loancare, she indicated that this process would be reviewed and corrected. It has not. 

Finally, the escrow account is still wrong. According to Loancare, we have a shortage of {$650.00}, which is not possible since there was a {$7700.00} credit on our account from DC Government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agencies XXXX, Equifax, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've filed multiple requests for incorrect data from XXXX XXXX on my Experian credit report to be corrected or DELETED. This data is for the XXXX XXXX XXXX Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing XXXX XXXX ( see attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months XXXX XXXX has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and  ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!
Product: Credit reporting, credit repair services, or other personal consumer reports

loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.XXXX Navy Federal
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX, Account : XXXX Reason : Last active dates are inaccurate between all 3 bureau 's. please delete. Late payments are not correct. I am not 60 days late on this account. That's inaccurate and needs to be deleted. I was Never late