23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been trying to receive a review for my loan modification since XXXX of 2022. Per your response to my previous complaint, you have said that my Request for Mortgage Assistance has been closed multiple times due to failure to submit documents on time. This is ABSOLUTELY untrue. I submitted my application with ALL of the required documents the very 1st time I submitted my application. The XXXX XXXX, XXXX. XXXX XXXX XXXX, has not even looked at my application or supporting documents as stated before because I have sent in pay stubs, bank statements, and letters of explanation for 5 months in a row now. Furthermore, PHH is disturbingly inaccurate in all information they are responding to th CFPB. For example, in the last response, they stated in writing the My account is represented by an attorney, which it is absolutely not, unless I am in foreclosure and my account was referred to an attorney on their behalf. In which case they have neglected to inform me of such proceedings in 5 months. Also, in their response to my complaint, they have stated that On XX/XX/2022, the XXXX was able to speak with XXXX at the XXXX XXXX XXXX XXXX XXXX and during this call. This also makes me extremely disturbed as I I have a 3rd party authorization on file for a XXXX  XXXX  at THE XXXX XXXX XXXX  XXXX. If PHH can not bother to look at simple authorization form that I have sent in and analyze it correctly, then how can I expect them to accurately review the time sensitive, important documents that I am sending in month after month.PHH has also stated that the relationship XXXX  has tried to contact my authorized 3rd party, which is also untrue. On a scheduled appointment call, a representative from XXXX called my 3rd party and stated that the Relationship XXXX is unavailable, and after XXXX minutes of my 3rd party being on hold, another representative said that the relationship XXXX is on another scheduled call and my time had passed. My 3rd party nor I have ever spoken to XXXX  XXXX in the past 5 months, and as stated by PHH themselves she does not have a direct line to be reached at. I would like to be reviewed for a modification with the past 5 months of documentation that I have provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate 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
Product: Credit card or prepaid card

Wells Fargo decreased my credit limit based on a recent update to my credit. I have never had a late payment and have made large lump payments in the past. They did not warn me about the change and it is also going to impact my score by increasing my debt to credit limit ratio. This is egregious behavior in their part because they are causing a " double hit '' on my score. I wast even made aware of the change until I tried to use the card for car repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XX/XX/2022
Product: Bank account or service

A tenant in my XXXX wrote a rent check of {$1400.00} and instead of making the check out to the park, she made it out to the park managers wife, The check was endorsed by the wife, then endorsed by the park as " for deposit only '' and deposited in the park 's account. The tenant then became angry at the managers wife for some reason and went to the bank ( Wells Fargo ) to check on the check. The bank produced a copy of the check which showed the wife 's endorsement and the " for deposit only '' park endorsement. The bank also produced the tenants account statement that showed the check being cashed at the counter. The tenant was then convinced that the managers wife cashed the check and took the money. She threatened the wife with criminal charges. This episode caused many problems - too many to discuss here. My complaint is that the Wells Fargo Personal Banker, XXXX XXXX, when presented with XXXX conflicting facts, regardless of the banks error in producing these XXXX conflicting data, did not recognize this and allowed the tenant to leave the bank thinking the check was cashed at the counter. I think that both XXXX XXXX and the Wells Fargo bank should be reprimanded. After several visits to the bank trying to resolve this problem or at least get an " I 'm sorry for your inconvenience and mental worry about being arrested, the bank Service Manager, XXXX XXXX and bank manager, XXXX XXXX refused to admit any fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1600.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Mortgage

I have actually tried working with this mortgage company for almost XXXX years now ( as have many others ), I have filed for loan modification which was a waste of time and effort and resulted in several more months of additional reasons of non-acceptance of paperwork, which is very hard for me to do, and thousands of dollars more owed as they would accept no payments or funds from us but kept adding not only paymrnts, but fees, insurances and other amounts as they like. 

But on to the next chapter and questions as I am done fighting that which is like hitting your head against a brick wall, they have is a reason for everyhing, regardless of if it makes any sense or not and I am not well enough to keep this up. 

What I need to know and can not get answered is this question, again of which the answer may involve many thousands of dollars. I can not get an answer. I do not think ghe wuestion is difficult but it is extremly important to have the correct answer before we proceed. Specific question follows :
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with 2 accounts listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were accounts listed that I did not recognize as I have always had insurance that fully covers my medical. On XX/XX/XXXX I reviewed my credit profile again as XXXX XXXX XXXX XXXX had not responded and 1 account was reflecting as disputed however I never received validation and the other account was still reflecting as not disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on the accounts and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically
Product: Student loan

I graduated from XXXX XXXX XXXX in XXXX and started loan repayment 6 months after graduation. The repayment plan I accepted was explained to me that after 20 years of interest payments, my loan would be forgiven. I have been making payments for 13 years with the exception of XXXX. My repayment recently started up in XX/XX/XXXX. I wanted to know when my loan payment plan would end so I contacted Nelnet to get that information. I was told that my repayment plan is not what I thought it was. The payments have been going to interest only, but my loan repayment will only end once the principal is paid off. This information tells me that my loan will never be paid off because the way it is set up is that my monthly payment only goes to interest and has been for the past 13 years. I am XXXX XXXX XXXX and at this point, I would never see the loans be paid off, it would take decades to get to that point. I am currently looking for a better way to pay the loans, but I am utterly disappointed with Nelnet for not making my repayment options known to me. I would like some support or guidance in how to handle this situation. I currently owe {$31000.00}, the same amount I owed in XXXX. This is a terrible way to pay a loan and I don't understand how a financial institution can have a program such as this. I am currently unemployed and my situation seems completely wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, Experian, and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$650.00}-
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I wrote I letter to the credit bureau advising them my credit report shows incorrect information in the form of my name being incorrect, incorrect addresses listed, and inquiries that do not belong to me. 

It has been past the 45 day timeframe and this information has not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed accounts that werent authorized by me in the result of identity theft. None of these accounts are legit and should be blocked and removed according to the 605 B fair credit reporting act
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

The following transactions occurred : XXXX/XXXX/XXXX - {$290.00} XXXX/XXXX/XXXX - {$300.00} XXXX/XXXX/XXXX - {$300.00} These transactions were authorized to XXXX XXXX XXXX XXXX XXXX ), also dba XXXX XXXX XXXX XXXX to assist in reducing my Student Loans. I had been communicating with them on a regular basis until XXXX, XXXX. 
In XXXX XXXX, I stopped receiving communication from the merchant, but continued to try and reach them. As of this time they had not provided any of the services they had promised. I continued trying to reach them on a weekly basis with no success. 
On XXXX XXXX, XXXX, when I called the XXXX XXXX phone number, I received a phone recording stating that the XXXX XXXX had shut down the business due to fraudulent transactions and gave me a website to refer to. 

At that time I went in to my banking institution ; Wells Fargo Bank, and told them of the situation. The personal banker said that I would be able to receive that money back if I filed a dispute. He then dialed the number for me to do so. I spoke with a Representative from the XXXX XXXX XXXX XXXX, and she also told me that I would definitely be able to have that money reversed. However, it would take about 10 days. I filed the dispute and was expecting a full reversal of the charges based on what the personal banker AND the representative from the XXXX XXXX XXXX XXXX. told me. 
I heard nothing from Wells Fargo until receiving a letter from the Claims Assistance Center on XXXX/XXXX/XXXX stating that my claim had been denied and closed because the timeframe for requesting a refund with the merchant had expired. No one had ever told me of an expiration time. Both the personal banker and the representative from the XXXX XXXX XXXX XXXX. had told me I would not have a problem having that money put back into my account, and never once said anything about an expiration timeline. 

I have since called the Claims Assistance Center and talked to numerous people, ( who have all been extremely rude and very short with me ) about this and have been told there is no appeal process and they would not allow me to talk to anyone else regarding the matter. I was told by one representative that the claim was never even investigated because the time had expired to even file a claim. 
I feel that the time being expired is misrepresentation and deception on the part of Wells Fargo, and, if that is indeed their practice, why did the Personal Banker and the Representative from the Debit Card Claims Dept. who both knew the circumstances of the claim, not know that and tell me.
Product: Credit card or prepaid card

bank restricting cash payment for credit card My nurses aid assists me by doing my errands. One errand is to go to Chase Bank and make a payment for my credit card. I am not allowed to have a bank account by the local DSS ( that provides me with SNAP and MEDICAID. ) Thus my payments are cash. Chase will not accept cash from anyone except me, the cardholder. I explained my physical limitations and why my aid is there with my payments. Chase would not listen.
Why is the bank allowed to discriminate? Cash is cash. They try to offer an explanation about money laundering ( the Federal guidelines allow up to {$2400.00} as not money laundering ) Do I need to start legal action?
Product: Debt collection

Midland credit management has done several attempts through the court to collect a debt through a debt collection agency here in XXXX  XXXX XXXX with false intentions furthermore XXXX continues to report negative on this debt collection account which continues to lower my score they sent the balance was {$2900.00} now is XXXX, up {$140.00} my question is can they do that?? score went from XXXX on XXXX to XXXX. The court dismissed so on this twice already and they try again a third time with no results
Product: Credit reporting, credit repair services, or other personal consumer reports

A Merchant Service of Hospitality, such as XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Maine. Located at XXXX XXXX XXXX. XXXX XXXX XXXX Maine. XXXX, XXXX A hotel that claimed to do extended stays of Winter Rentals turned me down to rent a Hotel Room, by stating I was denied due to my credit and or other financial information. 

Correct me if I am wrong but a Hotel Or Motel, can not pull your credit. 

Is this a discriminatory practice? 
As I am of a protective class, on more than one level. 

Hotels, usually just process your credit card and give you a room, even on an extended stay. I need to know if this company had the authority to perform such an act, using my Visa debit card. I can not understand why they would need to process my credit card, as these funds are made immediately available each time, I use my card, and put on reserve for each Merchant Service. Is this company set up to perform this act properly? 
Regards.
Product: Debt collection

I opened a lowes cc account in 2020 for my kitchen remodel. I paid the balance off and did not use that account after synchrony reduced my limit to {$500.00}. A former roommate took personal information without my consent and knowledge. The charges I am being held accountable for we're unauthorized and illegal. Synchrony has been made aware of the identity theft relating to the charges and has not discontinued the collection efforts Is reporting erroneous information that is damaging to my credit.
Product: Credit reporting or other personal consumer reports

I saw something strange on my credit report and got no info from experian as to what it was. In the section that say spouse or coapplicant it said XXXX. Ive never been married for XXXX and for XXXX I have no knowledge of what it is. They offered to remove it but I want answers first.
Product: Debt collection

Each week, Comenity Bank excessively calls my husband and me. Today is XX/XX/XXXX, and excluding XX/XX/XXXX since it was a holiday, in the past XXXX days I have recieved almost XXXX phone calls. In the past, I have been over 30 days late with this company and I have documented voicemails that say I have to have an attorney because of legal consequences of being late ; however, when I have called and spoke to representatives, they only had the intention of collection a payment which I made. I think it is deceiving to threaten legal action when the intention was only to collect payment. I also find it unfair that my original lender was XXXX XXXX who then changed creditors who then change the rules and rates but I as the borrower can't change myself out for someone else to owe this debt. If I am obligated to this debt, I think the original lender with the original agreement should be too.
Product: Credit card

I received ANOTHER notice that my Citi Costco Card has been closed again. I suspect that it was closed because I have paid off this account and there is no outstanding balance. Another reason I believe the account was closed is because they attempted to take money out of an account that I did not authorize them to take money out of, which ended up being a return payment. Instead of notifying me about the return payment, they closed my account.
Product: Checking or savings account

On XXXX XXXX, I applied for a BMO Harris Everyday Checking Account, which offered a {$200.00} bonus for qualifying deposits ( screen shot attached ). The account was provisionally opened on XXXX XXXX, and fully opened after following their procedures, including submission of signature cards. 

As detailed below, I contacted the bank in order to confirm that my deposits qualified for the account opening bonus, they confirmed my deposits as qualifying in three separate exchanges, and then other agents within the bank determined otherwise. I would like the bonus posted to my account as soon as possible. 

On XXXX XXXX I contacted their eChat service and XXXX confirmed that a deposit qualified ( transcript of chat attached ). 

On XXXX XXXX I contacted their eChat service and XXXX confirmed the second deposit qualified ( transcript attached ). 

On XXXX XXXX I contacted their eChat service and XXXX informed me that deposits post only after 120 days, " as disclosed in the mailer, '' although I had not applied through a mailer but instead through their online application ( transcript attached ). 

On XXXX XXXX, more than 120 days after opening the account, I contacted their eChat service and XXXX again affirmed that the two deposits qualified and that I could expect the bonus to post on XXXX XXXX XXXX transcript attached ). 

On XXXX XXXX, XXXX " escalated '' the matter and told me I could expect a response within 3-5 days ( transcript attached ). 

On XXXX XXXX, XXXX stated that my qualification was under review, in spite of the previous statements of XXXX and XXXX that I had qualified. He implied that I might not qualify after all, but that the matter was under review ( transcript attached ). 

On XXXX XXXX, XXXX affirmed that XXXX had submitted the review on XXXX XXXX, and, after my request, contacted the marketing team. XXXX communicated to me that the marketing team now contradicted XXXX and XXXX, having determined that the deposits do not qualify without further documentation ( transcript attached ).
Product: Credit reporting or other personal consumer reports

Information contained on ALL three credit reports ( XXXX, Experian, and XXXX ) contains information regarding delinquency and continued balances when I filed bankruptcy and my debts have been charged off under my XXXX  XXXX. My credit report should reflect this and my score should not continue to fall but in fact, go up at this point. Please review the attached documents and please advise credit companies to make the corrected adjustments.