23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over a year ago I brought my XXXX XXXX XXXX to the XXXX XXXX XXXX on XXXX XXXX in XXXX, New Jersey because of a fuel leak. This particular car is no longer made and XXXX was closed by XXXX XXXX a few ago now. 
Because XXXX is no longer in production, parts are not readily available. XXXX the store manager of the XXXX store in XXXX New Jersey decided to fabricate an entire new gas line for the car and this gas line is faulty and not installed properly. 
The car has only been driven less than 3000 miles since this faulty repair took place and the car is essentially useless at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported MULTIPLE times to Experian that there is a XXXX  collection on my credit report that does not belong to me. They dont even investigate it and mark it as verified and updated although I have stated time after time its not mine. I sent another letter XXXX and they sent me an email stating verified and updated although i requested to know how they verified. I am submitting another letter today, XX/XX/22
Product: Credit card

Ive recently acquired an Amazon store credit card. Ive paid my account in full for three months straight. My latest payment was submitted on XX/XX/2024. I checked today to use it, and my available credit was zero. When I asked why, they said my available credit wouldnt increase for another 6 days. Totally unacceptable and against the Truth In Lending Act, by more than a week and a half. They refused to rectify the situation, and allow me access to my credit, which I paid for in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX days then XXXX days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage loan and the lender is using the lowest credit score, which is Experian who has my credit score set at XXXX, while the other two credit scores are over XXXX. 
I called Experian and they said I needed to speak to a credit advisor. I am disputing Experian 's report as I have XXXX  debt.
Product: Student loan

I am part of the XXXX post-graduate closure action. As a result, my student loans were placed in forbearance until XXXX. However, I also participate in PSLF and want to continue making monthly payments on that program while the lawsuit is being resolved. On XX/XX/year>, I made my first monthly payment of {$540.00} since loans were paused for XXXX. However, because my loans were in forbearance, this payment didn't count towards PSLF. 

Since XX/XX/year> or XX/XX/year>, I have called my student loan servicer, MOHELA, at least 4 times and submitted a email asking that my loans be removed from forbearance status and that my payment of {$540.00} be refunded. On XX/XX/year>, I received notification that there was a delay in processing my requests, and that they would be processed within the following 90 days. However, it has now been 90 days and neither of these have been done. Consequently, I have been unable to make 4 of the 120 qualifying monthly payments towards PSLF and I am still owed {$540.00}. Working with MOHELA has been extremely frustrating. The wait times to speak to someone have always been longer than an hour and my requests have not been processed at all, let alone in a timely manner, which has resulted in personal consequences to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported on my credit report that I owe {$190.00} dollars which is not correct. I don't owe them anything. I have disputed it and requested proof of the amount I owed according to credit act but the results were negative. I tried to dispute again and experian won't let me do it online. They asked that I call a phone number. I did call that phone number and I was never able to get in touch with a live person to dispute and request that the company provide the proof of the charges. The automatic system was asking question that have no relation to the problem I need to dispute. I tried couple times. I called XXXX XXXX  and requested proof but they want me just to pay. At the end just get this fixed and I told them I don't agree with the charges but I will pay if you delete from my credit report since it is wrong. They refused to delete and refused to provide accurate information proving I owe a balance. I need this problem handled please. 

My name is XXXX XXXX Thanks,
Product: Credit card or prepaid card

Transaction Date : XX/XX/2020. 
Three Transaction Ticket in the amount of $ {$1200.00}, {$900.00}, {$900.00}. 

I purchased these tickets on the date referenced above XXXX to XXXX for a one week vacation. However, due to coronavirus the country of our destination denied entry to all passengers except the citizens of the country and we were told this information at the gate during the boarding in XXXX. However, we spoke with the merchant we purchased the ticket from to provide us with a partial credit or voucher to use for future travel. After many attempts to get this resolved with the merchant, nothing helpful or better resolution was provided, neither a voucher or a credit. I turn my attention to the credit company ( DISCOVER ) to step in and try to resolve this case. I provided all the information and the details to conduct thorough research of this case. After a few days of investigation the company came stating " A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. When I looked at the documents that were provided by the credit company that were attached to the case, the information, the name and the details in the documents belonged to different passengers. I made a few attempts to explain the situation to the credit company that this case has been investigated incorrectly and none of the details are mine. The credit company stood on their word despite the fact everything they investigated was wrong. I made few attempts to escalate the case to the higher up to look into the case, I have a few times my call being disconnected while on the call with them. They gave me the wrong company information to resolve my case with despite telling them this is not who I dealt with. I have attached the documents they stated they resolved the case with on this complaint so it can be reviewed for investigation. Neither the merchant nor the DISCOVER, whom I thought would probably conduct a reasonable investigation to resolve this dispute did not do their job right. Therefore, this merchant charged me a total of {$3000.00} in my account and thus I will not be responsible for making this payment and I decided to close their account permanently with no intention of having to deal with them again in the future. I have attached all the necessary documents that are needed to be reviewed in this complaint. The reason for filing this complaint was simply because the merchant denied me a voucher and the credit company did not provide reasonable resolution to believe this dispute can be closed. I have attached ticket information from the very first day we purchased the tickets and the same day we were denied to board the plane to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus Inc. Dispute beginning XX/XX/17. Believe that Seterus Inc., in  violation of the FCRA and the FDCPA when reporting this account to the credit reporting agencies.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/15 XXXX at Lend Nation contacted my parents and said I would be put in jail for check fraud. this is in violation of federal law. furthermore money was taken out of my account two days earlier than agreed.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I received an email from Nelnet indicating my student loans were transferred to XXXX. My account with Nelnet showed an outstanding balance of XXXX with a XXXX payment due. I got a mortgage loan verification document from them indicating that the loans have been transferred and the outstanding balance was XXXX. 
However, Nelnet refuses to report this to the credit bureau. They are reporting that I still owe XXXX and that they still own this debt. I have contacted Nelnet to resolve this and was told via an account message that no further reporting will be done at this time. 
I disputed this with the 3 major credit bureau and only XXXX agrees and resolved the issue. The other 2 say they reach out to Nelnet and Nelnet says my claim is not valid and that they still own that debt even though it was transferred to XXXX ( which I have since paid in full ).
Product: Money transfer, virtual currency, or money service

This is now my second time trying to put a end to this problem. Originally on or around XX/XX/XXXX I filed a complaint ( complaint number XXXX ) against Wells Fargo Bank Stating .... '' on XX/XX/XXXX a wire transfer of {$400.00} was initiated for to : Wells Fargo Bank , NA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ABA Transit Routing # XXXX For Credit to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NE XXXX Account Number : XXXX For Benefit Of : Account # : XXXX Name : XXXX XXXX The funds came from my account with XXXX XXXX  XXXX The funds never made it to the XXXX XXXX account. On on around XX/XX/XXXX, I personally reach out to XXXX XXXX and they confirmed they never received the funds and was advised to reach out to Wells Fargo. I then reached out to Wells Fargo Bank and was advised that because I didn't have a personal account with the institution I would have to reach out my my bank that initiated the transfer. I went into my local branch and spoke with a banker who's initiated a " tracer '' to locate the funds. She also reached out to Wells Fargo Bank back office to get assistance in locating the fund. As of XX/XX/XXXX there has been 4 attempts to communicate with Wells Fargo Bank from the banker at XXXX XXXX  regarding locating the {$400.00}. Dispite many attempts by myself and XXXX XXXX, Wells Fargo Bank has failed and or refused to respond. '' I was later contact on XX/XX/XXXX via CFPB Portal and a phone call from a Wells Fargo Representative stating that the dispute was closed and that I will be receiving a letter in the mail with details. The representative on the phone told me she couldn't give me any details on the outcome and that my bank which is XXXX XXXX  will give me details. She later stated that I will be receiving a letter in the mail with the details of the outcome. The letter was never received. 

I went to my local XXXX branch and asked if there's been any update after being told I would hear from my bank about an update and the banker called the back office and checked her email for any update and nothing was provided. The bank herself was confused because of the way the situation is being handled. No-one has provided clear instructions or guidelines to handle this procedure. No-one has given proper information as to where the funds are currently being held. There was a tracer performed on the wire transfer and the last place the funds were is Wells Fargo Bank yet Wells Fargo is resisting and unwilling to provide any assistance to provide clear information as to where the funds are.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX to correct my credit reporting for the BIG 4 including XXXX, XXXX  and Experion as promised.

I was told once my modification was completed all of my negative reporting would be cleared up as ok. I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ) in XXXX. Starting in XXXX XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX   XXXX  Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. Finally, XXXX has had a history of this behavior with their customers. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 2.  Emails with XXXX  3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 4. Credit reporting from XXXX & XXXX XXXX
Product: Credit card or prepaid card

BBVA Compass closed my account, due to inactivity. But they did not send any sort of a notice before or after. Because of this unilateral account closure, my credit scored experienced a drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

As usual, Carrington Mortgage Services is publishing bad or incorrect information to the credit bureaus and my mortgage payment has fluctuated again. Please contact Carrington and have them remove, from my account, that I was late paying my mortgage in XXXXXXXX XXXX XXXX, as its being reported to the credit bureau as being late on XX/XX/2022, and that shouldnt occur until the 30 days. This company is rogue and continues to collect erroneous late fees after being fined by CFPB for their dishonest practices. They also reported XXXX payment as being late on XX/XX/2022. My mortgage payment also went up to XXXX from XXXX without cause. I dont trust this entity as I have stated to the CFPB before and I need your help. I appreciate your assistance in advance.
Product: Mortgage

I applied for a refinance mortgage loan with AmeriSave in late XX/XX/2020. I paid a {$500.00} for fee and appraisal. I have repeatedly been requested to submit additional financial info and now have realized that the this company does not use common sense in this pandemic environment and does not want to do the refi.
Product: Debt collection

Wakefield and associates is the debt collector, I do not no when this medical bill is from I have XXXX have had for XXXX yrs I have never owed them the dates are not right because I was in XXXX  it was opened XXXX XX/XX/year> no way this is mine I filed id theft report with ftc XXXX is the amount they are reporting I want this off me or I am going to sue them for all the pain this has caused me for XXXX yrs
Product: Debt collection

Dynamic collections of XXXX XXXX I tried to pay off my non medical debts and when I told the person I was gon na record they hung up on me. 

I called again hit the record button while the machine answered and the call continued after it was told I was recording. Spoke to someone and asked why I can't record they said it was company policy. I told them I won't pay until I can record on my end as they record on there end. Was told they won't accept it. So I told them I won't pay until I can record the call and hung up.
Product: Mortgage

In XX/XX/XXXXI took out a HELOC for XXXX to upgrade my home. My payment was always XXXX. To stay on top of it I have an automatic withdrawal from my bank, XXXX, automatically to BOA each month for XXXX. In XX/XX/XXXXBank of America paid XXXX to pay my state home owners tax. This was not up to them to do, and they should not have done that. I don't know why they did this and when I asked them, they didn't know how it happened either. It was none of their business to pay my state taxes. Than BOA took the XXXX and added it to the balance of my HELOC. So instead of paying intrest on XXXX, for taxes, they added it to my HELOC payment and now they have me paying intrest on almost XXXX. This is dirty business. 
There are 2 completely and separate issues but BOA added it all together. 
I have been asking for a copy of my original loan document so I can see what is going on for myself but BOA refuses to send me a copy of my HELOC. 
This was a fixed rate loan when I got it, now I'm being told it has been changed to a variable rate loan. This is wrong to do to me and it is destroying my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been discriminated against in applying for credit by one or more financial institutions. One I know of is XXXX XXXX. I have had my account five years and I have been charged excessive fees and denied credit multiple times which they claim was because of my credit history. Why did they open an account for me in the first place then. They have denied me credit and refused to look into my situation or request income information. To me that is discrimination. I should have just as much opportunity as anyone else applying for credit but typically XXXX XXXX  are always disadvantaged. They claim they dont discriminate but I believe they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  and XXXX. 

I have reached out to XXXX XXXX  directly and to Experian, XXXX, and XXXX and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.
Product: Mortgage

XX/XX/XXXX -payment was sent by state to mortgage company. Called/messaged my mortgage several times starting around XX/XX/XXXX to see why the payment hasnt been applied. All the could say is they dont see anything. XX/XX/XXXX I get hit with late fee. I start reaching out to the state in regards and confirmed the check was cashed on XX/XX/XXXX. Now the mortgage company wants to have loss mitigation step in XX/XX/XXXX and was told it can take 3 business days, then follow up. Followed up Monday XX/XX/XXXX in the afternoon to be told they still are working on it but while talking with the rep it sounded like they didnt even start on the case.
Product: Debt collection

I hope this letter finds you in good health. I am writing to express my deep concern regarding the persistent existence of fraudulent accounts on my credit report despite my repeated attempts to address this matter through your dispute resolution process. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I have previously reported the presence of these fraudulent accounts and have escalated the matter several times since then. However, to my dismay, these accounts continue to appear on my credit report, negatively impacting my credit score and financial well-being. 
Despite providing clear and compelling evidence of the fraudulent activity, the persistent inclusion of these accounts on my credit report calls into question the effectiveness of the bureau 's dispute resolution process. 
I understand the importance of maintaining accurate and reliable credit reports and trust that you share my commitment to rectifying this matter urgently. I kindly request that you conduct a thorough investigation into these fraudulent accounts and take immediate action to remove them from my credit report.
Product: Debt collection

They call 4-8 times a day from a variety of phone numbers and today, a Sunday, theycalled me before XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to Experian in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to Experian in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to Experian