23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo was my mortgage servicer. 
My job was shipped overseas and I requested from WF a loan modification. 
They offered me a " Special Forbearance '' which would have set me up for failure. 
At the end of 12 months a balloon payment for the 12 month reduction would be due along with the regular monthly loan payment. 
This offer was made to me AFTER I filed a complaint with the State of Texas Attorney General. 
I was forced to sell the property in order to avoid a foreclosure on my credit history. 
A simple loan modification would have sufficed had they just worked with me and I wouldn't be struggling with this escalating rent. 
I am seeking a settlement payment from their refusal to offer me reasonable accommodations for a loan modification.
Product: Debt collection

to this bureau. 
Open Account # 1 {$1400.00} Balance XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor {$1400.00} High Balance XX/XX/2019 Opened Date XX/XX/2019 Last Reported Payment by .insurance coverage paid total bill. Check balance shows zero outstanding charges or balances. Total collection agency this was an unlawful act and no notice was made at all. Hospital officials total agreed with me and confirmed that
Product: Debt collection

this was an account that was fraud, and got a letter from XXXX saying it would be removed.
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX I spoke with a representative at Experian about some Identity Theft on my credit report. I asked them to remove/delete these items from my report immediately. I was told that I have to file a complaint with the FTC and CFPB. The items in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine -- letters have been sent certified mail and return receipts have been received by me. 

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : -- 1. ) XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent hard inquires from my credit report : the following inquires being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). none of these credit transactions involved the extension of credit to me, the consumer although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with my dispute, my fraud report that I just sent to TRANSUNION for the second time so that these question can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to update a correction made to an account with XXXX XXXX XXXX. There were 6 consecutive late payments added to my account which lowered my FICO score from XXXX to XXXX and I was denied credit due to the inaccurate late payments. With a complaint filed with FDIC, XXXX XXXX corrected the error, crediting all fees and sending a statement reflecting that the account will be updated with all bureaus to show Closed by Consumer and 100 % payments made. 

Transunion did not properly process my dispute in XX/XX/2020 and replied on XX/XX/2020 that the negative reporting was accurate, in spite of a letter from XXXX XXXX and the FDIC which verified that the account should be reporting positively. 

It has exceeded 30 days since filed the dispute and I was required to send in copies of the FDIC letter and the document from XXXX XXXX  which clearly states the account has been corrected. 

I called XXXX XXXX  today and spoke with an internal billing manager and he said they have not received any disputes from Transunion or notices that I was disputing the account. The rep explained that Transunion, XXXX, and XXXX  received the updates on the same day in XXXX and the account should have been properly reported at that time.
Product: Student loan

2 years ago I started my effort to Pay in Full my student loan Bill. I call XXXX XXXX many times to rehash the topic I was told by members of the US Department of Education loan officer that My loan was consolidated to my Ex-wife 's daughter, Not my " spouse and that I can not separate these loans apart. They said this is Fraud. I have called the Attorney General office, the Ombudsmen, and XXXX XXXX and heard them say the same word or term FRAUD! I have asked them to un-due, dissolve this consolidation going on for the past 2 years. Each agent I spoke with said the term '' FRAUD '' but send me down the road to another department having to explain to each agent the whole story coming back with fraud and consolidation could only be if it was for my Wife. Not " Step Daughter ''! 
So once again they send me and my effort to pay my student loan to another department to Again repeat the story. I am now in the process of hiring an Attorney to sue each and every one of these US Department of Education! They allowed this consolidation to take place knowing it to be fraud and not a CO-SIGNING. 
If you please advise me or procedures to have them do their business and stop pushing My Can Down The Road! This loan is now in Forbearance and I refuse to pay for a student who BTW works for a Non Profit organization and her real father was suppose to pat for most of her College education which UI believe this money 's was hidden from me by my wife at the time that she asked me to Co-sign. Thx You, XXXX
Product: Debt collection

Experian has been reporting this account for years. I have tried to get this account removed because of Identity Theft. Every time they send me a letter back saying that this debt is valid and confirmed. I tried reaching out to the debt collector company and found out that XXXX XXXX XXXX is permanently closed effective XX/XX/XXXX. I sent mail to this company myself on XX/XX/XXXX, and the entire envelope I sent to them came back as undeliverable on XX/XX/XXXX, which confirms their closing down. The dates on the report are from XX/XX/XXXX to current.
Product: Checking or savings account

On Sunday XX/XX/XXXX I attempted multiple times to add a merchant to my bill payments on the mobile app as well as the website using my computer Citibank mobile app and website continue to have multiple issues after the system locked me out due to Citibank error I called into customer service and was provoked into a very hostile arguments regarding my account in which the customer service agent acted like he can not understand the card number I gave him or the phone number then I called back and got the same agent who act like he could not understand any English when he answered the phone he didn't know if he wants to ask my name phone number or card number the conversation went on tours 10 minutes when I said you know what let me talk to a supervisor because he wanted to continue playing games and then when he came back to the phone then he wanted to try to whisper that the car was being monitored or recorded so either way they have at this point purposefully I feel locked me out of my account and refuse me access to talk to a supervisor so that I can gain access to my own account privileges due to one rude and competent agent and Citibank having some system-wide error with their Mobile Banking and online banking system unacceptable
Product: Debt collection

XXXX XXXX XXXX $ XXXX. Experian experienced a significant data breach in 2020. It was reported that hackers had stolen the personal information of about XXXX XXXX including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. I want these items deleted from my credit file. XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that experian provide complimentary credit monitoring services and identity theft protection for a minimum of XXXX years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps experian is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that experian provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. Please acknowledge receipt of this letter and provide a response outlining the steps Experian will take to address my concerns. I trust that Experian values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. Thank you for your immediate attention to this serious issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for paying the accounts..I do not owe this debt nor the accounts XXXX XXXX   XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, .. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 undXXXX XXXX XXXX XXXX. 

XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX TransUnion # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This started when I received a credit alert both from my bank / XXXX and XXXX XXXX stating that my XXXX XXXX had changed. After checking the score I found this had nose dived from near perfect to the low XXXX. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called MRS Associates/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX  ''. Not only do I not have any account with XXXX XXXX - and never have - but I have also never been contacted by MRS Associates directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to XXXX and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of MRS on the local Better Business Bureau reveals that they have had XXXX complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX  which leads me to question as to whether this MRS is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of MRS. XXXX confirmed they will investigate under report # XXXX
Product: Student loan

Hello CFPB, Navient has told me over and over again that my private loans only get a forbearance like 3 times. I've been laid off since XX/XX/XXXX and I have not found another job yet. I live in a village about XXXX people. There are no jobs. I have been trying. My sister just passed away and it takes time to get through something like this in the family. Navient customer service has been unreal. I call the customer number and explain many times over my situation. I feel duped by this company. This company has no empathy for someone like myself. I get laughed at by the XXXX  who said I call their Customer Advocate and get a claim. But then they give me these numbers that only bring me back to them over and over again. 

So do I need to get a lawyer? I have asked many times over how much have I paid in in interest payments to them the past 9 years? I'm told for a loans of ( XXXX ) I will have to pay until XXXX. Seems unreal to me. I can't believe the customer service ethics. They don't care really don't. No one seems to understand that if you don't have money you don't. 

10 years ago who were to think that this would happen? No career job and the hype of these loans? Also my co borrower is my mom and she is XXXX years old and not feeling well. They keep calling and harassing her all the time. 

I need your help!
Product: Credit card or prepaid card

The issue is causing me significant XXXX XXXX XXXX, to the point where I'm having trouble sleeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX  XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Ally Financial XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Product: Vehicle loan or lease

Both me and my wife have submitted payments to finish paying off the XXXX XXXX XXXX we bought. We desired to finish paying it off early. So I have regular payments come from my account and my wife sends in occasional large payments. Recently she submitted the final payment or it should have been. The company Idaho central credit union decided to not accept that final payment. So that we have a couple of months of payments longer. We wanted to be finished. They listed the payment my wife sent of {$1500.00} as unapplied. They are insisting we still owe them money. Yet the {$1500.00} came out of my wife 's account. The is just theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the weekend (XX/XX/2020 ), I wanted to unfreeze my credit with the three bureaus. I had no issue with XXXX  or XXXX, and Experian indicated that my credit was unlocked. I saw nothing related to the term " freeze '' and found no search option to investigate further. As such, I indicated to my mortgage company that my application was ready to go. Alas, I was informed that my Experian account was still frozen. 

I returned to the site on XX/XX/XXXX to further investigate and, again, found that my account was unlocked. An attempt to search for an unfreeze option yielded nothing. My mortgage company contacted me today ( XXXX XXXX ) to tell me it was still frozen. 

Multiple attempts to call different Experian numbers, including the one provided by my mortgage company, led to frustration. There was no option to speak to a human being, and one of the lines repeatedly disconnected me. Finally, I contacted Experian via XXXX XXXX. I was provided a direct link to the page where I could unfreeze my account ( experian.com/freeze ), which I did successfully. However, curious, I decided to continue my search on the main site. 

There is absolutely no clear link to this page anywhere. Moreover, I tried to type " freeze '' into the URL after I had logged in on the main page, but this did not work. I had to go directly to that URL and login separately there. 

I messaged the company again about the lack of a link on the main page. The representative told me to look under the heading " Credit Report Assistance. '' After login, there is no such heading or menu on the main page. I finally found something under Reports & Scores -- > Tools -- > Experian XXXX. The link to the freeze page is buried in information about Experian 's fee-based XXXX program. 

Again, I contacted the company via Messenger and was advised that if I go to the main page, I must be logged out. And indeed, this is correct : Credit Report Assistance is visible. However, this goes against how most people use sites where they have established logins. You can not access your account without logging in. Why would I look for the page that will require login without logging in first? 

Access to the page to freeze/unfreeze accounts seems to be hidden or at least difficult to reach purposefully. And it makes sense. It's in Experian 's interest for me not to access it and instead to pay for the XXXX service. Unfortunately, I was unfreezing, so XXXX would have served no purpose. 

The freeze page needs to be listed under the Tools option where it is easily accessible to all.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we are required to remove any incorrect accounts from my credit report. Could you look over the documents? The reporting contains inaccuracies, with erroneous amounts and dates.
Product: Debt collection

Company has unlawfully placed collections account into my credit report without proper debt verification being provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a debt collection notice dated XX/XX/XXXX for the remaining balance of {$200.00} from Professional Finance Company , Inc. on behalf of the original creditor, Anesthesia Partners of Maryland. I began making monthly payments to this collection agency on XX/XX/XXXX - {$20.00} ; XX/XX/XXXX - {$20.00} and XX/XX/XXXX - {$20.00} ( payment receipts attached ). As of today, the balance remaining is {$140.00}. This collection agency reported to the credit bureau on XX/XX/XXXX that I owe {$160.00}. I have been making regular monthly payments and this should not have been placed on my credit reports as a collection account since a payment was made on XX/XX/XXXX. I have disputed this matter with all credit bureaus to have this collection account removed. 

The payments were made through XXXX which is the payment system Professional Finance Company sends to consumers to make payments. This is noted on their website at www.paypfc.com.
Product: Student loan

I have spoken to Capital Management Services LP on 2 separate occasions (once in XXXX and once in XXXX) and also submitted a request online to have the balances corrected in their system. The representative I spoke to verified the correct balances with XXXX and only 3 of the 4 accounts have been corrected. The account ending #XXXX is still showing a balance $XXXX more than what was verified with XXXX. My concern is that once these accounts are paid, Capital Management Services will try to collect the overage which is not owed.