23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection was posted to my XXXX report XX/XX/17. Have provided fraude report to collection agency as well XXXX georgia XXXX XXXX XXXX..collections were removed for several months then placed again. collection agency nor provider have supporting documents or information except what has been obtained in the process of disputing this debt previously ..no signed documents nor photo identification ... is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have XXXX hard inquiries on my credit report that I did not authorize. I also got some inquiries from when I went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax does not allow me to dispute directly. Each time I get CFPB involve this company drops my score for things that it should not affect my score or there is not change at all. 
XX/XX/2022 I am an authorize user of XXXX XXXX XXXX XXXX account # XXXX which is in good standing and at a XXXX. Equifax negatively impacted my credit which is illegal for authorized users. They took XXXX total points for me being added to this good standing account bringing my credit rating down. 

XX/XX/2022 Equifax added {$120.00}, XXXX debt on my credit report for XXXX  XXXX servicing which is inaccurate. They decreased my score XXXX points for this error and has not replaced them for the inaccurate balance showing. 

I have lost a total of XXXX points for their error and an account that I am not the owner of because I filed a dispute with CFPB. 

They continue to give me my score back then close my dispute then turn around and take huge points away for no valid reason. I am starting to believe I am being discriminated against and should seek legal representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Equifax has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if Equifax has investigated properly before posting derogatory information. 

( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : XXXX Bank XXXX XXXX  : XXXX Bank reports to Transunion I made a payment on XX/XX/XXXX XXXX car was repo without notice or writing then sold by XXXX Bank without notice. I did not make the payment .Transunion is reporting a incomplete account number and balance. I believe they XXXX bank sold the account with a Bal of {$6500.00} to a collection company that amount is wrong over {$2100.00}. I request that Transunion remove this account at once .Transunion will not let me log in at this time to look at my credit report because Im disputing them
Product: Student loan

I applied for the income-driven repayment SAVE repayment plan through the studentaid.gov website on XX/XX/XXXX, the same day I applied for PSLF with my employer information. When I applied, it was estimated I would owe $ XXXX on the SAVE plan due to my previous tax information. At the time, my loan servicer was XXXX, who I have never had issues with. I then received notification my loans were being transferred to MOHELA. I began receiving different billing statements from MOHELA, one stating I owed {$350.00} on XX/XX/XXXX, and another stating I owed upwards of {$850.00} in XXXX of XXXX. I reapplied for SAVE on XX/XX/XXXX and XX/XX/XXXX after contacting studentaid.gov and being told they did not have any information and I would need to reach out to MOHELA. I was unable to contact MOHELA. I waited on hold for hours before having to hang up due to working. I sent an email and received notification back that I would hear back in two business days, but weeks later I still have not received a response. Finally, I called and waited on hold for upwards of two hours on XX/XX/XXXX and spoke to a MOHELA rep who told me my initial SAVE application from XXXX was probably " lost in the transfer '' and that it was good I resubmitted a SAVE application on XX/XX/XXXX. This rep told me it would only take 5-7 business days to process my SAVE application and I would not have to pay any of the payments I was billed for in XXXX. After XXXX business days went by with no notifications, I called and sat on hold with MOHELA for three hours to be told that it would actually take 90 days to process my SAVE application and I was already being auto-debited in the mean time for the {$350.00} bill. I asked if there was any way this could be cancelled due to this being an error on the part of MOHELA, and I was told that they didn't know. As a social worker new out of graduate school, this payment is not realistic for me. I feel as though MOHELA can not give me clear answers as to what happened to my original SAVE application and I am told conflicting information each time I call. Their mistakes are costing me money I do not have and I need clarification on where my loans are at. 

Update as of XX/XX/XXXX : Mohela told me they would place ALL of my loans in administrative forbearance while they attempt to process my resubmitted SAVE application. I received an email from studentaid.gov stating I missed a student loan payment, due to Mohela putting ALL BUT ONE of my loans in administrative forbearance without explanation, after I was told all of my loans would be in forbearance. This has very real and dire consequences on my life, my financial wellbeing, and my ability to remain in the PSLF program. This is completely unacceptable and this company 's errors are costing me everything.
Product: Credit card or prepaid card

I requested my capitalone credit card and they sent me one after I made a payment which left me with a balance they closed my account and have not let me know anything else but it 's affecting my credit score now.
Product: Student loan

Good day, I have reviewed Navients response to my initial complaint ID XXXX and they bypassed my main concern. The problem is that when I was offered the Structured rate reduction program in XXXX, the program was set to expire in XXXX, as documents showed to prove it. I recieved notices about updating my financial information ETC. In XXXX XXXX, as per the letter that was uploaded by Navient, the notice said about the program expiring. If your calls are recorded ( thankfully I record every call I have with Navient ) you can see that I called in a nervous wreck and spoke to a representative to obtain clarity. I am always on top of my Navient account especially because I fought to have the repayment option in the first place after being in default! The representative assured me that the notice was to give me an update that they need my financial information in order for the plan to NOT EXPIRE. And I said ok that makes sense because my documents show that the program will end in XXXX. 
During the last call I was NOT given any options although my salary is the same and my family size increase by XXXX. I had no choice to do the in school deferment but that is not what I wanted. I want to still be in my repayment plan that was promised until XXXX for the rate of {$240.00}.
Product: Debt collection

Title Max has consistently called, left voicemails and texts messages. Refuse to cease and desist
Product: Credit card

I received my credit card statement today, and noticed that the minimum payment due had increased by 5 %, rather than decrease as anyone would expect ; given that there were no new charges, late fees, or APR increases. I called the company and was told that it was because I had only made the minimum payment due, which is mathematically inconceivable : If the interest does n't change and the balance is reduced, the payment due should be reduced too. I spoke with a supervisor who did understand that something was irregular about the situation, but did n't have any way of correcting it immediately, she said she would bring it up in their next meeting. This does not help me or the XXXX people, rich or poor, that are being subjected to usury credit card formula 's by Synchrony Bank.
Product: Credit card or prepaid card

I have a credit card thru Citibank on XXXX XXXX I agreed to a payment plan of {$57.00} to be automatically drawn from my checking. I have had the auto payments taken out but still received numerous collection and emails I was past due. After calling 3 months in a row they said yes I am on a payment plan and they would have to escalate this and get my account fixed I wouldnt owe any of the interest or Late fee charges. They still have not fixed this. It has been reported each month to the credit bureau that I am late and missed payments which then resulted in my credit scroe dropping 21 points each month and just continues. This is absolutely disgusting how it takes this many phone calls and months for them still to get my account correct.
Product: Mortgage

I am filing a complaint against Valon Mortgage due to misleading lending practices, refusal to correct inaccurate loan disclosures, and high-pressure tactics. The loan officer, XXXX XXXX, pressured me to sign a loan application with incorrect numbers and refused to provide accurate disclosures before requiring my commitment. 

Details of the Issue : Misleading & Inaccurate Loan Disclosures Valon Mortgage provided a loan application that contained incorrect figures for my monthly payments, including double-counting homeowners insurance and property taxes. 
When I questioned these inaccuracies, the loan officer admitted that Valon never verified my insurance costs before listing an estimated amount in my escrow. 

High-Pressure Tactics & Refusal to Correct Errors I was pressured to sign the application before the numbers were corrected and was given an ultimatum to either " sign or withdraw. '' Instead of addressing my concerns, the loan officer, XXXX XXXX, became dismissive and defensive, refusing to take accountability. 

Possible Escrow Fraud or Fee Manipulation By listing incorrect homeowners insurance and property tax amounts, Valon Mortgage created an inflated monthly payment estimate, which can lead to overcharging in escrow. 
This practice is known as " bait-and-switch '' lendingwhere a lender provides an artificially high escrow requirement and later adjusts it after the borrower has already signed. 

Failure to Provide Proper Loan Estimates ( LE ) Before Signing Valon Mortgage refused to provide a fully reviewed, corrected Loan Estimate ( LE ) before requiring my signature.

The loan officer stated that she " can not change the numbers '' but still demanded I sign anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently in a dispute with XXXX  and XXXX for deleting my XXXX XXXX credit card accounts from my file without my permission, by starting internal disputes of their own with my creditor and then deleting the account without my knowledge. Then I certified mailed them letters last month stating that I did not give anyone permission to view my account on XX/XX/19 by JPMCB or XX/XX/19 from XXXX/XXXX. About 2 weeks later I received a response from one of the bureaus saying that the inquiries will not be removed and to contact the creditor. I've certified mailed the two creditors informing them that these inquiries were not authorized, but the creditor has yet to remove them. These unauthorized inquiries are dragging down my credit score. I'm having enough problems trying to keep the credit bureaus from deleting positive accounts from my credit profile and beating down my score even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first dispute with General Revenue Corporation was already closed and they stated that they closed the account and sent it back to the XXXX XXXX XXXX. They stated that the account would be removed from my credit report and to allow time for this to be processed. However, it was not removed from my credit report ( date of last activity was in XXXX ) and they have started leaving voicemails all over again. This account was illegally re-aged to appear as a new negative account as of XXXX although the date of last activity was in XXXX.
Product: Credit card

In late XXXX, I noticed my XXXX credit reports show 2 Wells Fargo credit accounts while I was only having 1 credit card ( XXXX  ). I checked accounts details, one of them was showing payments from XXXX, and the other one was showing payments from XXXX. As my XXXX  card had an fraud issue back in XXXX, and I asked for the replacement card at that time, I noticed the credit card company created another account for me, which is absolutely not correct, thus, I dispute the old account in my file. However, in early XXXX, I noticed Wells Fargo closed my current XXXX  card account ( ending in XXXX ) as I couldn't see any transaction for this current card, and I only can see my old credit card statement ( ending in XXXX ) back in XXXX. Clearly Wells Fargo closed my current account ( XXXX ) and left old card ( XXXX ) there, while my request was to remove the old account from my credit report because eventually I should only have ONE SINGLE account from Wells Fargo. I made a few calls to Wells Fargo, everyone felt it was weird, but no one could give me a solution. I got 2 calls from the investigation team earlier XXXX, but I haven't hear anything back yet.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had a fraudulent account. I am referring to the account from Monterey Collection SVCS with account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize them and I do NOT recognize them. I have never entered into an agreement or a contract with Monterey Collection SVCS which makes this a fraudulent account, inaccurate reporting to my consumer profile and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for ALL forms of communication from Monterey Collection SVCS to cease and for this account to be deleted. 

15 USC 1692 sec 805A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XXXX 2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$XXXX} 2 ) XXXX XXXX XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX {$XXXX} 5 ) XXXX XXXX XXXX {$XXXX} 6 ) US Dept of Education {$XXXX} 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$XXXX} 11 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I had a fraud case through XXXX XXXX and Wells Fargo and XXXX banking deposits I didnt make and I have to checks sent to me through Wells Fargo that I didnt make. And they had me take them to another bank to determine if they were fake which I already knew they were. I also have every bank statement and pictures. And they even stated over the phone the atm deposits were made in another state. I only had employment from XXXX  and XXXX XXXX and there was a charge for XX/XX/XXXX using tap pay in XXXX, GA XXXX using tap pay for {$260.00}. I tried to insert all the pictures and documents my savings has a negative balance as well. They tried to say I used the mobile banking but on the checks none of them have a signature
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a text message alerting me to possible fraud on my account. When I called Wells Fargo, the call was disconnected. Shortly after, I received a call from someone claiming to be from Wells Fargo, but turned out to be a scammer. The person went through my transactions and asked me to use XXXX. Although I initially thought everything seemed legitimate, when he asked me to use XXXX, I became skeptical and logged into my mobile app to verify. Despite the seeming legitimacy, I hesitated when he asked me to use XXXX and ultimately did not proceed. As soon as I refused, the call ended and my money was gone. 



Afterward, I called back the number that had previously called me, and it appeared to be a genuine Wells Fargo number with their prompt. However, I was suspicious and decided to hang up and search for Wells Fargo 's customer service number online. I have been in touch with multiple Wells Fargo representatives since the incident. On XX/XX/XXXX, I called to inquire about the status of my claim and was informed that it had been denied. When I called yesterday to ask about resubmitting the claim, I was told it would also be denied. 



Despite my loyalty to Wells Fargo, I have not received any satisfactory assistance, and as a result, I have decided to contact the Consumer Financial Protection Bureau ( CFPB ) for help and have also filed a police report. I hope to recover my lost funds. This situation is distressing, especially since it is the second time I have encountered fraud or a scam involving Wells Fargo. I genuinely need help, and I am grateful for any assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Which has not occurred in my case. Also these credit reporting agencies know it is illegal to report transaction history as well as utilization per 15 USC 1681i where it states " a report containing information solely as to transactions or experiences between the consumer and the person making the report ; meaning between myself and the institution I have dealings with not these third party companies. I am upholding my rights as a federally protected consumer. I have provided opt out notices to the financial intuitions which all have advised that my personal information isn't shared which I am aware is not the case per the Privacy Act Of 1974.
Product: Mortgage

I have a 30 year fixed loan with Freedom Mortgage company located inXXXX TX. 
I make payments monthly using my computer and paying online. I refuse to mail my payment for fear it will get lost in the mail. 

I did my usual log on today into my Freedom Mortgage account and it said that there was a payment error! So I thought perhaps I entered my account number incorrectly. 
I tried to input my info again, and I received the same error telling me to contact the office. 

I spoke with a representative and explained my problem. He said that they are not able to process payments that have a XXXX browser. I told him that I have been paying on line for years and have never had any problems. 

I asked him to take my payment over the phone but he said that it is a {$15.00} charge! 

He told me to go find another computer and try it that way!! 

This is not fair to the home owner. They should offer to take a payment over the phone since they are having problems with their systems. 

Thank you
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, XXXX and EQUIFAX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XXXX XXXX, XXXX - and currently has a balance of {$700.00}. In early XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XXXX/XXXX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.