23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I sent several emails to Klarna financial services regarding charges that were made fraudulently with my bank. I then went to XXXX to report this account and print out documentation to send to Klarna headquarters. They never responded back to my letter or emails and they continue to harass me via phone calls trying to get me to pay or they are sending my account to collections.
Product: Debt collection

( 1 ) The quick and dirty is my house was foreclosed on in XX/XX/XXXX. In XX/XX/XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XX/XX/XXXX, in part, because I was still XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XX/XX/XXXX, in XXXX County, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.
Product: Credit reporting or other personal consumer reports

Please delete off of my credit report per section 605B and delete inquiries per 15 U.S. Code 1681 ( n ) 15 U.S.Code 1681 ( b ) I have never authorized these inquiries please delete off of credit report it is affecting my beacon score which was XXXX now it has greatly reducded because of these inquiries that are not mine. Please delete inquiries they are not mine.XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

XX/XX/XXXX I was informed by Navient that my student loan was not eligible for reduced repayment options without refinancing. I refinanced and applied for a income driven repayment plan. I was informed that my account would remain in forbearance until XXXX so that the IDR plan could be processed. 
My first IDR request from XX/XX/XXXX was not processed by navient. 
I applied a second time. On XX/XX/XXXX i was informed that i was in repayment and had a payment due XX/XX/XXXX, 13 days later, with a repayment amount outside my ability to pay. 

i called again, and was told that my payment would be moved to XX/XX/XXXX and to reapply for an IDR plan. 
i reapplied, however, my payment forbearance request was not processed and i was stiill shown as past due for XX/XX/XXXX. 
ive just called Navent 3 times, and been disconnnected 2. According to Navient, the agent who took my call the last week of XXXX did not process any of my requests. 

Its very hard to resolve when the agents at Navient do not process requests. its very hard to resolve repayment issues when the information that agents provide is not reflected in the online activity.
Product: Student loan

In 2013, I requested a XXXX Discharge for both federal and private loans with XXXX ( Navient ). I was approved by XXXX, XXXX, XXXX and XXXX to discharge all federal loans. However, XXXX never sent any paper work of any loans that were discharged, reduced or any information regarding any of my private loans. XXXX continued with XXXX remaining loans, XXXX of which have my co-signer on them. I 've tried to request the discharged loan information with no response. I have had respondence to the XXXX via email and phone with no resolution. I have given them fininacial worksheets for both myself and cosigner and they refuse to reduce my payments or work with me because of my XXXX and XXXX income. Currently, XXXX loans are in default because I can not afford to pay for them due to my income amd XXXX status. XXXX loan is manageable and is being paid for currently.
Product: Checking or savings account

I submitted a fraud claim because there were numerous unauthorized transactions on my account and the bank refused to do anything about it.
Product: Debt collection

I have not purchased a vehicle since 2018 And I have no idea amsher is
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a dispute to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking the Federal law.

In accordance with the Fair Credit Reporting act.

According to 15 USC 1681e ( b ) it states this ( 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.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( iii ) the information is in fact, inaccurate.

This is unfair and they are doing this to me imagine who else they are taking advantage of and also doing this too. Can you guys please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a request again from your good company to remove the accounts that are being disputed. It is in the law that unverified accounts should be removed, yet the accounts are still reported. I sent a dispute last XXXX. Please check the attached and I also included my letter to be sent today. I hope you could help me with this because I am getting more frustrated with how the bureaus are responding to my request. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!
Product: Credit reporting, credit repair services, or other personal consumer reports

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full.

XXXX XXXX card : XXXX - available : # XXXX XXXX  card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} wells fargo card:XXXX-available : {$1000.00} XXXX  card:XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me
Product: Checking or savings account

On XX/XX/XXXX, I was scammed by an impersonator claiming to be a SoFI fraud agent. It was actually an account takeover fraud. The criminal transferred {$5800.00} to a XXXX XXXX XXXX account that they set up. 
Speaking with a SoFi agent they were dealing with multiple takeovers that week and were working on fixing the issue. 
They money was put back into my account on XX/XX/XXXX but they did not lift the restriction of the account meaning no transfers of my {$5800.00} will be allowed. I was told they are waiting to set up brand new account numbers since the original numbers have been compromised. 
Each time I call SoFi bank, they tell me someone will call when the investigation is completed. I press the issue the investigation is complete because SoFi put the funds back into my account. It's like each one speak to reads from a script and tells me there is no one they can transfer to that has further information like how long this process can take or if they can just send me a check for the {$5800.00}. They all say the investigation team will need to call me but I can't be transferred to them to speak to. 
This is by far the worst handling of fraud I've ever experienced. No way should anyone put their money in trust to SoFi bank.
Product: Mortgage

My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. 

Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. 

I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. 

I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. 

Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX {$2200.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$1300.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$1700.00} # XXXX Opened XXXX, Account name : XXXX XXXX  {$1700.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$380.00} # XXXX Opened XXXX, Account name : XXXX {$500.00} # XXXX opened XXXX, Account name : XXXX XXXX {$840.00} # XXXX opened XXXX, Account name : XXXX XXXX {$720.00} # XXXX opened XXXX, Account name : XXXX XXXX {$2400.00} # XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Services agreed to send me my title and correct derogatory credit reporting in agreement to dismissed court case. And did not hold up to their end of the signed agreement. And reported negatively on all 3 of my credit reports. And had vehicle repossessed. After court cased settled out of court.
Product: Debt collection

This company is calling and mailing notices in an attempt to get me to pay an amount that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Consumer solutions is in violation of several laws under the Fair Credit Reporting Act ( FCRA ) and in violation of the Gramm-Leach Bliley Act and are reporting things on my credit. That by federal law are not supposed to be reported on my credit report. I have made several request to have the things corrected, yet I have been ignored and Transunion still continues to violate the law in which they need to be held accountable. As a company Transunion does not abide by the Fair Credit reporting Act ( FCRA ) at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUNion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX CARD Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Debt collection

On XX/XX/23 at XXXX I contacted a debt collection company to discuss a {$330.00} balance I have with XXXX XXXX XXXX XXXX XXXX Before I contacted this debt company, I contacted my college. XXXX stated I should complete a tuition appeal form, since my issue is due to federal student loans coming in late, and they may be able to push the balance to be covered by financial aid awards. I was contacting Williams and Fudge to let them know what I was going to do about the outstanding debt. Again, I contacted them for help with a solution. The first representative was very rude and raised her voice at me. She told me what I was trying to do did not make sense, even though it is my right to dispute. She chastised me, said that I was going back and forth. I waited 10 minutes for a supervisor. She said " Well you didn't like what MY representative told you. '' Her representative? Clearly there are teams being played, and obviously I am not on theirs. I did not feel comfortable giving my address, so the supervisor said, " It's ok, you told me you received our letter, so we already have your information correct. '' She said it in a malicious threatening tone as if to say, fine don't give us your personal info, we already have it anyway! XXXX spoken with was XXXX or XXXX XXXX, told me she does not have an employee I.D . number
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A letter acknowledging and submitting my rights to a fair and equitable credit report was not only received by this company, it was also IGNORED. While XXXX XXXX, who is backed by XXXX XXXX XXXX continues to ignore these documents they also continue to harass me by hindering my credit file, XXXX XXXX continues to report my non-public personal information to the credit reporting agencies despite having my consent. As defined by 15 USC 6809 ( 4 ) ( A ), this is a CLEAR violation of the law. The proof of this file sent to the company will be enclosed with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chase Bank Acct # XXXX XXXX XXXX XXXX I'm writing because I noticed that Chase Bank reported late payments and utilization information on my consumer reports. I am demanding that these experiences/ transactions be removed from my XXXX XXXX XXXX XXXX and XXXX consumer reports. 

According to the FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) - Definitions ; rules of construction.

Section 2 - Exclusions states : Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report cont
aining information solely as to transactions or experiences between the consumer ( me ) and the person ( Chase Bank ) making the report.

Congress clearly states the reports of transactions and experiences are not included in the consumer report. Therefore, XXXX XXXX  has violated 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) by reporting these transactions/experiences on my consumer report. 

XXXX, XXXX XXXX
Product: Debt collection

I have noticed a debt of {$160.00} from XXXX  on my credit report from a collection company. I never own it to XXXX. I reached out to both XXXX  and the collection company who confirmed it and suggested me to fill and claim. 

This account is not mine. I am requesting to remove this account from my credit report.
Product: Checking or savings account

Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!
Product: Mortgage

Wells Fargo Home Mortgage division charged us an excessive fee of {$510.00} for a desktop appraisal completed on XX/XX/XXXX, amount corresponding to a full walk-through appraisal. When complained about the type of appraisal performed causing undervaluation of the property and requesting to re-perform a full Walk-through appraisal, Wells Fargo consultant XXXX XXXX XXXX XXXX XXXX expressed on XX/XX/XXXX via email that " if only a desktop appraisal was completed, there indeed is a cost difference and it would be returned to you. '' and denied the option of completing and additional appraisal. 

XXXX XXXX XXXX Wells Fargo Mortgage Sale Supervisor, contacted us on XX/XX/XXXX via phone to inform us that there will not be any fee refund. 

It is our firm belief that Wells Fargo is profiting from over-charging excessive fees to customers and misleading them to believe fair appraisals ( full walk-trough ) are completed on properties, these unfair and deceptive practices caused us not only loosing the fee ( s ) charged but the possibility to complete a business transaction. 

Evidence of all communications is available upon request.
Product: Debt collection

I was paying on these bills and come to find out they were from XXXX. I was paying {$25.00} a month and every time I got one paid off. They would say add Nother one. During the time of these bills I was working at XXXX I had XXXX I also had my so security so I told him these bills should not be mine. So I just up and quit paying them almost a year ago. Was I wrong in doing till even know they should n't have been charged to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

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, XXXXXXXX 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

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.