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

The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.
Product: Mortgage

Loan Depot contacted me to refinance my loan with them to lower my rate. I closed the loan with Loan Depot on XX/XX/XXXX. This was a refinance and was disclosed as a no cost loan where Loan Depot was paying off their own loan and originating another at a lower rate. I was told I would not have to come in with cash to close. On XX/XX/XXXX, I received my check from my escrow account on the loan that was paid off and was shocked to find that Loan Depot used my escrow account to pay down the payoff. I then pulled the final XXXX statement and it too showed that they used the escrow funds to pay down the loan. This was not disclosed on the initial disclosures when I first applied for the loan or on the estimated closing statement from Loan Depot or XXXX XXXX XXXX. This meant that I had to come in with funds to close. On XX/XX/XXXX, I filed a complaint with Loan Depot 's Compliance Department. After corresponding several times with XXXX XXXX, their Customer XXXX Manager, she informed me on XX/XX/XXXX, that this was a normal practice. I then received an additional check from Loan Depot from my escrow account of {$32.00} dated XX/XX/XXXX. This amount, did not cover what they took from my escrow account to pay down the loan. I closed the loan expecting to get my escrow account balance sent to me after the loan closed. They never disclosed that they would be taking funds to pay down the loan. I find the way they handled disclosing the terms of the loan to be deceptive and I wonder how many other customer 's they refinanced and have done the same without them knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never in my life had a house never try to get one
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXt # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

PREVIOUSLY REQUESTED COMPANY BLOCK ACCOUNTS PER FCRA 605C IT HAS BEEN A MONTH NO CHANGE
Product: Debt collection

I have received about 20 text messages from XXXX collection group telling me to pay XXXX XXXX, first {$920.00} and now {$620.00}, using their site.. Sometimes they stop a few days then start up again. It has been going on for about 2 months, yesterday is the most recent attempt. It sends a link where I can connect to and pay. A person claiming to be XXXX XXXX called me in XXXX this year telling me my sister owes him money, did not say how much. His number is XXXX. I told him my sister had a major XXXX recently but I have not seen her in over 2 years as she moved away and because of fear of Covid I do not travel. He started to bad mouth my family. This debt was paid by my sister but the text messages are still being sent to me. When I texted back, " Fraud '', the response was that they did not understand my message. I looked up the number and found that over 2000 complaints have been filed against whoever owns this number, there are a group of numbers, are similar. I am unable to block them. I want to report them, both the person who wants the money, and the " collection '' link.
Product: Mortgage

I have been attempting to obtain a loan modification for years. Recently, there was a sale put on my home which I had the sheriff push out two weeks twice as they will only push out the date for  two  weeks. However, Nationstar will not budge needing 37 days before the sale to review my request. I had submitted a complete application several times now and it is not getting reviewed.  <P/> . We purchased this property almost 38 years ago in  XXXX  of  XXXX . I always worked hard and was able to pay our mortgage and obligations on time. We originated this loan in  XXXX  of  XXXX  increasing our debt so we could make necessary repairs to the home and some upgrades. We fell behind in  XXXX  of  XXXX  after we had depleted our savings for months for legal and attorney fees for our son. Because of his legal issues, we have full custody of our granddaughter. Also, his wife and  XXXX  children had to move in with us having nowhere to go. Our monthly expenses tripled not only food but all utilities.   From all the stress over the past 4 years, I have had ongoing medical issues with  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  &  XXXX   XXXX . I see doctors on a regular basis. All the copayments and monthly prescriptions have added to my increase in expenses as well.   Our property value was estimated at {$230000.00} and at this point with the arrears owed from  XX/XX/XXXX  , we owe close to {$440000.00} but please understand, we are now a family of  XXXX  living in this home and have all been through  XXXX  and back. After being here almost 38 years, to move would be devastating. We wish nothing more than to keep this home we love and need so much.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17.00}, XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1100.00} Original Creditor : XXXX  XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a letter from Wells Fargo indicating that they have a promotion available for me if I open a new business account and fund it with {$25000.00}. I went to the branch & the business account specialist told me I would recieve BONUS of {$1000.00} after opening a new account & maintain balance of {$25000.00} for 6 months. I did exactly what the specialist told me. In fact, I kept over {$140000.00} in the account. After 7 months, I realized i never received the promotion and contacted the same specialist. After looking into it, he notified me that Wells Fargo cant honor the contract because I never used my ATM card. I explained to him that I never received my ATM card. Wellsfargo has used a loophole in their system to deny me my {$1000.00} BONUS despite the fact that I maintained over {$100000.00} in the bank account for the term of the bonus promotion. I am requesting that Wells Fargo honor their promotion & deposit the {$1000.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX. 
Business Checking Account # : XXXX My customer relationship with Wells Fargo dates back to XX/XX/XXXX. It is disheartening to know that they will breach the contract for a simple {$1000.00} bonus despite the fact that I have deposited millions of dollars over the the years I am prepared to take legal action against Wellsfargo for breach of contract if my {$1000.00} BONUS is not applied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately :, The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. PLEASE block these companies from reporting on my credit profile!
Product: Student loan

I filed Bankruptcy Chapter XXXX in XX/XX/XXXX it was discharged on XX/XX/XXXX and My Student Loan was included. Havent been in school since XXXX. But it reappear in XXXX, just found copies of my discharge papers. Ask Department of Education to validation of charges and wet ink signatures did not provide.
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXXXXXX I noticed a collections account on my credit report from XXXX XXXX. I immediately began contacting the company with absolutely no one there willing to help. I disputed the collection and thankfully it got removed. Now on XX/XX/XXXX, I get a collection account on my report from Collection Assosicated LTD, for the XXXX XXXX account. And I cant get ahold of anyone at all there. I have reported this with transunion with so far no luck. This was deemed a fraudulent account once, and they sold it to a collection agency and now the collection agency has doubled the amount and put it back on my report.
Product: Credit reporting or other personal consumer reports

I was under the impression that these accounts would be deleted yet they remain on my report as write off or closed but I demand this be removed from all the agencies given the fact this was done without my consent
Product: Debt collection

NATIONAL CREDIT SYSTEMS is trying to collect debt that was not legally owed to the original company. Rent was legally withheld under Florida law Sections 83.56 and 83.60, Florida Statutes. A manager from XXXX even signed the document on XX/XX/2020. The company never followed up or did required repairs or control of pests. 

The Debt was not owed and the attempted eviction was withdrawn. We have the documents as well as a case number from code enforcement.
Product: Credit card or prepaid card

I made capitol one aware of charges that i asked a company called XXXX not charge on my card. On XX/XX/XXXX there was correspondence between myself and XXXX XXXX employee XXXX about my financial situation due to covid they offered me a lower price to keep my business and XXXX proceeded to ask me if i wanted them to charge the card ( my capitol one ) on file. I texted XXXX at XXXX no do not charge the card on file I will uses a different one. XX/XX/2020 he proceeded to charge my card twice for XXXX a piece, the same card i texted not to charge. Contacted capitol one to dispute charges. they took them off and then proceeded to put them back on. XXXX texted me on XX/XX/2020 we have received 2 charge backs on your account and we are terminating your account affective immediately! So it was terminated and capitol one is saying it wasnt. they wont refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 a collection was placed on my credit report by Experian. This was not mine and I disputed it. On XX/XX/2023 they decided against my dispute. This is the second time in a year and a half that a collection was placed on my account that wasn't mine. Both of them are different collection agencies but the same original creditor and for the same amount. Last time I had to deal with the collection agency to get it removed. Both times Experian hasn't cared or put in effort to see if this was valid. It's clear this isn't mine as it was once removed, but it does not appear that Experian put in enough effort to check that.
Product: Student loan

I was behind on my loans, and I called about two months ago to get set up on a payment plan. They continue to harass and make threatening phone calls after I have made XXXX consecutive payments. I have asked them MULTIPLE times to stop calling and they always blame the issue on " system error ''. I am at the end of my rope and I do n't know what else to do!!
Product: Debt collection

I am a victim of identity theft. I have been trying to contact Conns for a very long time now. Their representatives were being very rude and threatening and refused to help me. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not at the address in Louisiana where the account was opened. They denied me the opportunity and kept giving me the runaround. I don't understand why Conns is refusing to acknowledge my Identity theft problem and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX Date XXXX XX/XX/2019 XXXX XXXX  Date : XX/XX/2019 XXXX This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.
Product: Student loan

I currently have XXXX private student loans through Wells Fargo, both in good standing, for an approximate total of {$28000.00} -- each is cosigned by an individual, one with an approximate 12 % interest rate and the other with an approximate 3 % interest rate. Having graduated from graduate school in late 2015 and nearing the end of my graduation grace period, I sought a Student Loan Consolidation from Wells Fargo for these XXXX loans. Based on my current circumstances -- XXXX FICO score ( depending upon the formula employed ), immaculate credit history, ~ $ XXXX/hour employment and climbing, an XXXX degree, in my late XXXX, and have minimal non-student loan consumer debt in good standing -- I saw no reason why Wells Fargo could n't consolidate my XXXX loans, which they already own and have owned for years, with them into XXXX without a cosigner. 

They refused. 

After multiple telephone conversations, they produced excuses that referenced my credit history and income-to-debt ratio. I explained that my credit history is blemish-free and they diverted the conversation to the income-to-debt issue. When I asked what they included in this ratio, they claimed privileged/proprietary formulas that they would not disclose, except to say that I held " too much '' debt. After I pushed even further, it seems that they are strangely including these loans with Wells Fargo as part of the income-to-debt ratio, as well as my federal student loans. They also are including my entire monthly rent, but refuse to consider that I am only responsible for roughly half, since I am married, and further refused to consider household income unless my wife was a cosigner. When I demanded an explanatory letter detailing the explicit reasons for this rejection using concrete information, instead of generalizations, the letter I received was nothing more than standard corporate generalspeak to hide what had actually happened or their reasons for their behavior. 

This is infuriating. 

Wells Fargo will not consolidate loans that I already have with them without a cosigner, which should be unnecessary in my current circumstances, and are including information in this calculation that is both misleading and inappropriate. As a consumer without any bad debt, who has the credit history and score that I do, and reliable employment, there is simply no reason for them to treat me as such, particularly since I 'm not even asking for new loans. Moreover, since the federal government loaned me money to go to graduate school, without a cosigner, and will consolidate these loans without a cosigner, I do n't understand why private banks are allowed to treat American students with such disdain and disregard. 

CFPB needs to investigate my issue, in particular, but the overall private student loan industry, as well. Student loan debt in the United States is a very large and serious issue made worse by predatory, abusive, and despicable practices by private banks. My current situation is a perfect example.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax continue to report fraudulent information on my report and deny me my rights as a consumer. 

See attached.
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out to address an issue with my credit report. The personal information on my file is incorrect, and this inaccuracy is creating significant challenges with my credit applications, which has been incredibly frustrating.
Product: Credit reporting or other personal consumer reports

This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : Exeter Finance LLCXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( XXXX ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX XXXX site that it would only be pulled for XXXX financing. You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX XXXX I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Product: Debt collection

My name is XXXX XXXX and back in 2013 my cousin fraudulent put a auto loan in my name without my consent and this auto is ruining my credit.. The car was given back to this company because I told her I will take her to court ... I have dealt with this company and it should not be listed on my credit report ... and wasnt even making the money in 2013 up until now to purchase a car loan so they lied about the income as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from XXXX until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that Experian offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called Experian during business hours at +XXXX ( XXXX ) XXXX and +XXXX ( XXXX ) XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.