23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX of 2020 I found out that Wells Fargo Dealer services had not beem reporting payments I had made to the credit reporting agencies. I called the Office Of the President which is supposed to be the highest level of escalation and reported the issue and was told it would be resolved. I even got a letter from them stating the error was their fault and it was getting corrected. I am in the process of buying a new house and this has caused a 100pt drop in my wifes credit score and hurting our chance of the loan. The new bank called us in XXXX and said our rating had dropped from XXXX down to XXXX. I called the office of the president again and started a new claim and it was handed over to XXXX as my Claim Rep to resolve this issue. I called and talked to him on XX/XX/XXXX20 and he said he would get it resolved and call me back in 48 hrs. I didnt hear from him on XX/XX/XXXX and started trying to reach him on XX/XX/XXXX and levt multiple voice mails and never heard back from him untill XX/XX/XXXX at wich time he lied to me and said the info would get updated and corrected on XXXX. Its still showing I havent made a payment all of 2020. I have escalated to supervisors and even his manager XXXX only to be ghosted still. There is no way i can find to escalate this higher within Wells Fargo Dealer Services. everyone there just passes the buck and says there is no one we can talk to to get this escalated. This is really frustrating and I need this resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

An account was opened under fraud-deceit, misleading terms. I went to Conn 's XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/20. I was asked to sign for credit check. I did not consent to a purchase and did not leave with any property. I was XXXX and did not know what I was signing. I am a XXXX  and do not have a job, nor any credit in my name for the same reason. On XX/XX/20 I called the XXXX County Police Department when I received a bill for something I did not receive. They went to Conn 's and confirmed that my signature was on file. The police officer advised that they could not file a police report, but suggested I contact the FTC and Consumer Finance to fight this bill for property not received and to fight this item on my credit report. Please help! I now have a bill for {$5000.00} for nothing received. ( {$1800.00} XXXX, {$870.00} for repair service agreement, {$99.00} for Internet secure ) + tax plus interest of {$1700.00}. I will also put an alert on my credit to prevent unauthorized purchases in my name.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report entry as charge off, when in fact it is a late payment. One results in 7 years impact, the other is 6 months. 

The late payment accepted was 24 days. 

BofA failed to send statement in final month, despite doing so the two previous months after insurance write-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX  investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX but the credit card is XXXX XXXX and XXXX has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12
Product: Mortgage

I had a principal balance of XXXX for my home prior to the 18 month forebarence I was granted from wells fargo ... ..after the 18 months they told me my " only " option was a loan modification. I had no choice but to agree to the terms of their loan modification ( which by the way required zero documents for me to submit for wells to come up with my new monthly paymemt ) with in the loan modification paper work I noticed that my principal balance went from XXXX up to XXXX and the reason it went up was an amount they are calling CAPITALIZED INTEREST ... .my complaint with them is I thought the CARES ACT prohibited them from profiting on missed payments and on top of that they're profiting on the same dollar again because its added to my new principal for the next 30 years
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently XXXX  in the U.S. Military. There are credit card laws that protect military members to those who are currently working XXXX. Please remove any negative remarks from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported to CFPB onXX/XX/2018with case number XXXX   vs XXXX XXXX the dba for XXXX XXXX. XXXX XXXX falsely claimed that they did not improperly report the open {$150.00} charge off for their credit card. When I attempted to call, the company gave me the run around and I was on hold for over 45 minutes without speaking with a human.

I now have the copy of all of my credit reports where I disputed that any balance owed to this company and/or its affiliates. This was a secured credit card which means I deposited {$600.00} and once I declared bankruptcy everything got paid off. Unfortunately, XXXX XXXX  continued to charge me late fees for a debt that was completely paid off and during the bankrutpcy which was in violation of 11 USC 362. I do not owe XXXX XXXX any monies and it is defaming my name by falsely stating that I owe any money at all. It is also throwing off my credit card limits making it falsely look as though I charge up cards and not pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Validation from this company for a unknown debt thats on my account but they never sent me proof that i signed anything thats saying i owe them. they sent me a account that has my name and address on it with a bill but this could be anybody debt and i know its an invalid debt but they are keeping it on my account but i requested Validation from the company asking them to show me what the money you say I owe is for : Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service I want more than just a bill in the mail. i will take legal actions because this is a violation of the FCRA, Fair Debt Collection Practices Act, and Defamation of Character because its not validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to XXXX, XXXX AND EQUIFAX which lack a great deal of integrity which has caused substantial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has this XXXX XXXX auto  loan reporting on my file however the account is inaccurate and i have documentation to prove it and XXXX XXXX is in violation of the fdcpa with predatory lending practices of the acct XXXX XXXX XXXX  : XXXX so in the attached sheet from a XXXX XXXX XXXX  statement it shows the terms of this loan is 75 months ... then look at the experian report they reporting that the loan term is 77 months, i obtain a print out from the dealer it showed the term was 72 months, which is it? What we know is that this data is inaccurate Another thing no fault of experian is XXXX XXXX   reporting saying the apr is 5.89 % the dealer has it at 6.89 % this account is in fdcpa violation its just not reportable See attached sheets, experian can not correct this XXXX XXXX can not correct it, between the dealer, XXXX XXXX XXXX  and experian they have three different information on this loan suggest shady tactics and documentation was falsified Therefore this inaccurate data experian is now aware of it, its on paper i need the data remove its misleading See attachment Will be mailed to XXXX CFPB AND ATTY GENERAL OFFICE Experian you are herby notified that this account does not qualify to be on my report, you cant say later you did not know because this account will take on a different complaint process if its not removed
Product: Debt collection

This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it XX/XX/2022 and they are reporting it as closed and charge-off. They have continued to report it as a charge off every month but they won't respond back when I send letters asking for a response of proof.
Product: Credit reporting or other personal consumer reports

This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure 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 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY. 

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.
Product: Checking or savings account

A Capital One account was opened under my name. I received an email on my personal account 'new XXXX Checking account with Capital One '. 

I am in process of reaching out to Capital One now to alert them of this.
Product: Mortgage

This is a continuation of a complaint that I filed with this company on XX/XX/2020 with the complain ID : XXXX. This issue had not been resolved to my satisfaction. I received an answer via email from a gentleman named XXXX with ID : XXXX on XX/XX/2020. In such email it states that and I quote : pursuant to the terms of the original promissory note and deed of trust, copies of which are enclosed for your reference, SLS is unable to apply a payment that is less than the total amount due. End quote. 
Oddly enough, copies of both ( the deed of trust and the promissory note WERE NOT attached so I could see on paper for myself if this is indeed true. I request to please provide me with those copies as they should have been attached to begin with. The only enclosures I received was the payment history and payment transaction codes. I still request an adjustment to be made on my late payment history so I do not show delinquent more than 31 days for XX/XX/2020 to potentially get a better rate on a refi! 
XXXX XXXX XXXX This is in regards of my mortgage acct : XXXX with SLS XXXX XXXX. XXXX XXXX, XXXX XXXX, Co. XXXX.
Product: Debt collection

I received a letter out of no where saying I owe t mobile bill and I have XXXX XXXX account now and they have said nothing about to me that I owe them they wouldnt have gave me store credit to get a new XXXX last year if I owed them and this company say the debt start in XXXX but XXXX XXXX have said nothing about that on my my current bill this company is in violation of my consumer rights and I requested debt validation from them with sworn affidavit that I owe them and purchase agreement with my wet signature on it Im seeking civil penalties cause this is stressful and defamation of my character making my life harder then what it is went dealing with other financial institutions i call them southwest credit system and told them its not mines and I owe nothing to t mobile and why they have not said nothing or why would they let me open a new account with XXXX store credit if I owed them that amount and that they where committing identity theft and tryna ruin my life they hung up in my face so under 18 usc 1028a and 15 usc1681b I never gave them consent to have my information, and seeking 1000 per violation
Product: Mortgage

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Dear CFPB, I am still having issues with my loan servicer Specialized loan servicing. This company has yet to assist me with resolving this issue.

I have made 3 mortgage payments since XX/XX/19.

Payments : XX/XX/19 - Payment {$2500.00} along with {$290.00} in unapplied funds which would have covered my XXXX  mortgage payment XX/XX/19- Payment of {$2700.00} was made and is sitting in unapplied funds which should have covered my XXXX   payment.

XX/XX/19 - Payment of {$2700.00} was returned to my bank by specialized loan Servicing. This payment if accepted would have paid XX/XX/2019 bringing my account current for XX/XX/2019.

XX/XX/19- Payment was made again in the amount of {$2700.00} and extracted from my account XX/XX/19. This payment brings my account current for XX/XX/2019.

This company Specialized loan Servicing has yet to apply any of these 3 payments to my account to bring my account current. They payments are sitting tied up a ( suspense ) status. I have called over 8 times trying to address this matter and i have not received resolution. My account still reflects a payment due for XX/XX/19. I have made 3 mortgage payments to bring my account current none of which have been applied.

THIS IS CAUSING LOTS OF STRESS!!! My mortgage appears to be behind 4 months and it is not. This could cause me to lose my home. My current payment for XX/XX/2019 is now due. So far this company continues to accept my payments and refuses to apply my payments to my account. Every time I call I am being told payments are not applied due to a loan modification which I NEVER ASKED THEM FOR AND DO NOT WANT. I keep telling them I do not want their loan modification because I do not trust these people and do not feel they have the Home owners best interest at heart.

I would like this matter resolved ASAP and for this company to be addressed. Specialized loan servicing continues to put the status of my home in jeopardy and I am paying my mortgage.
Product: Debt or credit management

Pursuit to 18 USC 8, I owe no debt. This company is Violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on my credit report that are not authorized and do not belong to me. 

XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

Theres a lot of transactions going through on my account that I didnt authorize and I reached out to my bank its been a month I havent got any of my payroll checks due to this suspicious transactions and it all started happening when I picked up a new card from branch
Product: Credit reporting

I have a monitoring service and ca n't access my credit file. I was asked several times to send in documents verying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last 3 1/2 weeks about my file and all I get is the run around. I asked to be credited for the product I am paying for and they wont grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can has been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will preparing to take legal action against Equifax and the original creditors.