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

I write to complain about XXXX XXXX XXXX  credit card for willful and wanton violations if the FCRA for failing to report updated data to Equifax since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My Equifax attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and Equifax. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my Comenity account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.
Product: Mortgage

I am a 100 % XXXX military veteran that is being taken advantage of after repeatedly informing Wells Fargo the mortgage servicer that Im sick and am dealing with various physical and mental health issues. My wife who is also a veteran has been caring for me and the family as a home maker. They approved a payment deferral plan but put in a lawsuit to foreclose on the house anyway back in XXXX of XXXX. There was approvals for the extension within the 3 month timeframes but they acted in bad faith anyways. They agreed to add the arrears to the end of the loan extending the term. When it came time to discuss repayment options they did not want to fulfill their obligation that was agreed upon but instead qualify me for a loan modification. I contacted them frequently staying in constant communication with updates. A letter dated XX/XX/XXXX by Wells Fargo stated that I was approved for a short sale but not eligible for other repayment options. I called them to appeal the decision. Then XX/XX/XXXX I received a letter from Wells Fargo stating that our account is not eligible to be reviewed for assistance and they were continuing the foreclosure process. We got a letter from the XXXX XXXX for the XXXX XXXX XXXX in XXXX XXXX stating XX/XX/XXXX that the court previously entered a final judgement of foreclosure XX/XX/XXXX and is rescheduled to take place on XX/XX/XXXX signed and ordered by the judge on XX/XX/XXXX. My housing situation has changed with my son and XXXX grandchildren moving in after XXXX because rent prices spiked 60 %. Not only do I have more dependents but my financial situation has changed with more rental income. Now me, my wife, children, and grandchildren are in danger of being homeless because the mortgage servicer Wells Fargo greedily wants to short sale and foreclose on my home which has $ XXXX equity instead of providing the repayment option that makes the most sense. There is no reason they should not honor the appeal and add the arrears as an extended term of payments beyond the XXXX year mortgage.
Product: Checking or savings account

I had a CIT XXXX  account and closed it on XX/XX/2022 and transferred my funds to a new XXXX Account. In order for me to withdraw any of my funds out of my XXXX account, XXXX needs to verify via telephone the ownership of my CIT Account. CIT 's phone connection wait times are 100 minutes or more. I waited on the phone for CIT with a XXXX representative, for 2 hours on XX/XX/XXXX, and then CIT disconnected the call. XXXX has tried every business day for a week to contact CIT Bank by phone, but CIT is not available. Therefore, I am unable to access any of my funds in my XXXX Account because XXXX has a hold on it until they can verify my ownership of my CIT Bank Account. I am trying to close an escrow and need access to these funds or I risk losing my $ XXXX deposit and the purchase of my real property. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient XXXX XXXX  reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to Navient and the XXXX XXXX showing that i wa in a forbearance with my student loans. I contacted Navient with copies of my application for the forbearance and the credit report. Navient also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.
Product: Credit reporting or other personal consumer reports

Experian is not allowing me access to my credit report and score. 

I have had an issue with Experian unfairly loading my credit score after I applied with XXXX XXXX credit card services. 

XXXX XXXX and Experian both harassed me daily with credit pre approval invitation from XXXX XXXX and credit card match emails from Experian suggesting I apply with XXXX  XXXX. 

Ever since I applied with XXXX XXXX, Experian is unfairly and deceptively denying me access to me credit report and score. During this time I asked Experian why they decreased my score by XXXX points when I applied with XXXX XXXX they never responded and I gave not been able to access my account since. 

When I enter the CORRECT pass word Experian alleges it is incorrect. When I request to reset password Experian advised they are sending a text or call to my phone number. I never received the text or call. 

I feel Experian is purposely denying me access to my account because they are in cahoots with XXXX XXXX Im trying to destroy CERTAIN consumers credit. 

Experian needs exposure, investigating, and auditing. 

Please ask Experian why they are violating my fair credit rights and why I am being denied access to my credit report.
Product: Credit reporting or other personal consumer reports

Today, I checked my credit report and noticed that there are inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Vehicle loan or lease

I, XXXX XXXX, just got off the phone with a rep from Santander Consumer USA who told me his name was XXXX and ID number XXXX dated on XX/XX/XXXX at XXXX est. 

I called to rescind to my contact because I dont agree with the terms, and I also mentioned that I want my car back because it was repossessed back in XX/XX/XXXX I didnt know how to go about getting my car back until XX/XX/XXXX after doing research on the law. 

However, XXXX told me XXXX cant get my car back and that it was Sold to the auction. 
So I asked for PROOF of documentation for everything that he is stating and telling me because this can be a complete LIE ( which I believe. ) however, XXXX said by Monday which is XX/XX/XXXX the receipt of the bill of sale would be sent out. So I made it clear, YOU ARE SENDING OUT THE RECEIPT OF THE BILL OF SALE RIGHT? He said well, I will send it out by Monday, but whenever you get it woul be up to the postal. 

I said ok, cool. 

Then I tell him, with all of that being said, SANTANDER CONSUMER USA is reporting to the CRAs ( Credit Reporting Agencies ) that the account is Charged Off which will require a XXXX form from the IRS, because a Charge off is stated as income.. he tried to confuse me a little bit and play me as if I dont know what Im talking about and goes to talking about something about that comes from a settlement and I well in that case I didnt benefit anything or whatever you are referring and simply and politely demanded to get my copy of the XXXX form. 

So he goes and say I will get that over to you as well.. and then I said you know what? You can just email it to me.. and then stop and got quiet and said he cant do that ( LOL ) Moral of the story these CROOKS know they screwed me over and not to mention on the phone call he was basically blaming everything on the dealership where I got the car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX and the car which is a XXXX XXXX I am demanding all my good back plus interest and for all the the violations YOU XXXX  CROOKS WILL PAY FOR ALL THE UNFAIR BUSINESS YOU ARE ALL DOING TO ME!!! CFPB LOOK INTO THESE CROOKED XXXX COMPANY SANTANDER CONSUMER USA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for a mortgage, the bank pulled a credit report and there was an account with the XXXX XXXX XXXX XXXX ( XXXX ) on it, which only Equifax reported. I am not now nor have I ever been affiliated with the Department of Defense, so I can not possibly have this account. After verifying my information by fax ( license and SSN ) in a message sent to Equifax on XX/XX/21 ( I had also called the XXXX on XX/XX/21 and XX/XX/21 to verify my SSN was not in their system ), I filed a dispute of the account on XX/XX/21. On XX/XX/21, Equifax finished their investigation and concluded that this account belonged to me, and that my personal information needed to be updated. As a result, they unilaterally changed my name, SSN, date of birth, and several addresses to that of someone else, which I was fully allowed to access, as well as full details of the entire history of the disputed account. This is an extremely dangerous breach of personal information on behalf of the affected individual, and I disputed this new " personal information '' immediately, meaning I had to see what this other person 's details were in their entirety in order to dispute it. A new dispute was filed on XX/XX/21, and as of XX/XX/21, my personal information is still displayed as that of someone else/ Our SSNs are one number off, meaning it is likely that Equifax did not check effectively enough to discover their own error, and instead insisted they were correct while compromising some other individual.
Product: Mortgage

I made my modification payment to SN Servicing on XX/XX/year> and as of todays date the payment never was processed to my bank so I called on XX/XX/year> trying to find out why the money was not taken out of my account they advised that my payment was returned but as of todays date my bank has no record of this transaction being a returned/payment SN Servicing advised they would not process it again so I immediately put another payment in the system I kept checking and I called today XX/XX/year> to check on the payment and that new payment was deleted by SN Servicing and the money is still sitting in my account from XX/XX/year> I tried to access my account and they have now blocked me from any access to my account I also emailed my rep immediately when they claimed that the payment was returned when it actually never went through my bank system this was an error now I can not make any payments and they advised that I defaulted on my modification payment when in actuality it is a complete error on their part and not mine they also advised they wrote me of this but as of todays date I do not have any letter from them regarding a default payment all of this is an error on their part and not mine I did not default on my payment they have flagged my account in error.
Product: Checking or savings account

All of a sudden my account with Citizens Bank, was frozen I called and asked why, they said they dont know but they are simply reviewing whether they want to continue a relationship with me or not. I asked is there any fraud involved, they said no, just deciding whether we want to continue the relationship. Which is fine, this bank has been withholding my money, has zero human right laws to protect me and my money, doesnt transfer me, or give me a number to call higher ups to discuss whats the reason behind my money being held. All I want is a check sent to my house with allll my money from my savings. This is not right. No other bank would be this bootleg.
Product: Debt collection

This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

In 2007 I had an account with Wells Fargo in XXXX Washington. I closed this account but I was still getting statements. I called to inquire but was told " the account was n't my concern, it 's no big deal, we do n't see what the problem is, everyone has these types of accounts, do n't worry about it. '' I did not authorize Wells Fargo to open this account in my name and when I attempted to find out why they 'd done this, I was treated as though I did n't matter. I was " XXXX '' like I was n't supposed to be concerned or upset. Wells Fargo then blocked access by me to any information about accounts in my name. They attempted to assure me that this was all in my imagination. I felt powerless. I 'm XXXX XXXX and they treated me like I was too XXXX to talk to. I did n't realize that I could be part of this settlement, I hope I 'm not too late to be included, but I was terribly mistreated by this huge organization then I was treated as though I was crazy for saying anything about it. Please Help.
Product: Credit reporting

The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT.
Product: Credit reporting or other personal consumer reports

Hard Inquiry needs to be removed as the expiration date has expired. Please promptly remove as soon as possible! Thank you! 

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

just received a collection debt from Dyanmic recovery solutions on XX/XX/18 for an amount of XXXX. The collection agency is stating in the letter/bill that I owe a debt which I know is not mine and do not owe. I also checked with all three major credit bureau 's and the debt does not exsist on my credit reports. I would like the harassing letters to stop being sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. Equifax and XXXX fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-I believe this is a XXXX Capital One credit card originally.

XX/XX/XXXX Capital One CFO sent Certified Mail return receipt requested sent to dispute debt, no response.

XX/XX/XXXX sent second certified mail return receipt requested sent to CFO Capital One, no response.

XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO Capital One, disputing debt, no response.

Then, I filed a complaint with cfpb # XXXX, no response from your company.

I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX  has validated the debt since XX/XX/XXXX.

I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt.

I am sure this is in the records that XX/XX/XXXX has when they bought the debt second hand from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a letter to all 3 major credit bureaus ; XXXX, XXXX, and XXXX. I sent the letters XXXX Mail with tracking # XXXX XXXX, XXXX, and XXXX to dispute a bankruptcy being reported on my credit report as Bankruptcy, XXXX XXXX - Discharged, with filing # XXXX filed on XX/XX/XXXX. All 3 bureaus returned letters stating that they did an investigation and verified the bankruptcy as accurate and complete. They cited LexisNexis and XXXX XXXX XXXX as the companies that verified the information. 

On XX/XX/XXXX I also sent a letter to the XXXX XXXX XXXX XXXX XXXX XXXX. I sent this letter Certified Mail with tracking # XXXX. I asked the clerk of court if they report bankruptcy information to the credit bureaus. They sent me a letter stating that they do not report or verify any information to the credit bureaus or any 3rd party reporting agencies. 

On XX/XX/XXXX I sent letters to LexisNexis and XXXX XXXX XXXX via Certified Mail with tracking numbers XXXX and XXXX. I sent these letters to dispute the same bankruptcy XXXX XXXX and request an investigation. Both companies sent letters to me stating that they conducted an investigation and verified the bankruptcy as complete and accurate. They both cited XXXX as the company who verified the information for them. 

On XX/XX/XXXX I also sent an email to XXXX to find out if they report information to the credit bureaus or 3rd party reporting agencies. They replied with an email stating that they do not report or verify any information to any of the credit bureaus or 3rd party reporting agencies. They also state on their website that they do not guarantee the accuracy of the information on their website and any inaccurate information should be handled with the US Courts. But as I stated earlier, the US Courts do not verify information. 

On XX/XX/XXXX I sent letters again to LexisNexis and XXXX XXXX XXXX via Certified Mail with tracking numbers XXXX and XXXX. I informed them both that the XXXX XXXX  XXXX and XXXX both stated that they do not report or verify information. I provided copies of the letter and the email as well. They both replied again with the information being verified as complete and accurate and refused to remove this from my file. 

If this is the case, how did the credit bureaus verify this information and bankruptcy to be 100 % accurate? They could not have possibly completed a fair investigation according to 15 USC 1681.

The Credit Bureaus violated my rights several times under 15 USC 1681 : 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) states 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

TransUnion is claiming the information they have on file is accurate and has been verified. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX BANKRUPTCY I therefore request that you remove immediately this Bankruptcy from my credit report with TransUnion, or provide me with the exact source where you received such information, so I may take appropriate legal action. 


Court Name Docket Number Type Date Filed XXXX XXXX UTAH XXXXXXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX  XXXX BANKRUPTCY FILING
Product: Debt collection

Debt was placed on my credit without my knowledge and I had never received any collection notices ( 3 as required ) before hand about the debt. I just so happened to notice it when I checked my credit one day. I asked the company to verify the debt to be mine, 100 % accurate as well true and verifiable according to reporting laws and they did not. They refused and told me they had a right to collect regardless when I contacted them.
Product: Student loan

I am currently paying back my private loans with AES in the amount of {$1200.00} a month for attending XXXX XXXX for 5 years. This has been hard on me because that is basically my entire check per month, leaving me with a total of {$440.00} per month and my rent is {$350.00} a month. So basically i have to live off of {$90.00} a month. I have tried everything to get them to lower my monthly payment. At first i was paying just interest, then it went to principal amount ... and toggled between the XXXX. Now I am paying back the full amount with no fixed interest. Not to mention I still owe for my Federal loans that is with XXXX. I have no clue what to do anymore. This has been going on since I left school in XX/XX/XXXX, I have used up my forberance and deferment options. I have made it my business to just pay my loans becuase my father is the cosigner and after all this was my responsibility. There has to be something I can do to lower the amount. I can not live off {$90.00} a month. Please tell me there is somthing that can be done about this. I can live like this until my loans are paid off in XX/XX/XXXX. I am tired of stressing over my loans.