23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Was told too put loans in forbearance with no penalty and now student loans are up too XXXX. Company reps are all liars. This has destroyed my credit. They promised me that no interest would be added if loans went into forbearance. Absolutely disgusted with this company.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX several time via telephone and 2 certified letters sent on XX/XX/XXXX and XX/XX/XXXX. With no response. 

I contacted transunion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and sent certified letters XX/XX/XXXX and XX/XX/XXXX
Product: Mortgage

my elderly mother is in the middle of a reverse motgage forclosure i have been trying to contact the lender on numerous times as well as there attorneys with no repplies being returned i have noticed going through various paperwork of hers that this loan that elprted out with XXXX then became XXXX then to champion and now on the legal documents is now nationstar dba i and my mother are totally confused all i am asking the lender for is a payoff amount on the loan and time to sell the home and help my mother preserve a few years of life she might still have left i have no idea why this loan has been transfered to different banks any why this is even legal my mother was talked into this loan by her brother some years back i do not know who else to ask for help as there is so little helpful information on these loans to be found as i said above all i want to do is help my mother sell her home before we can not these loans are a disgrace and should be made illegal thank you and i hope you can help us
Product: Credit reporting

Re : XXXX XXXX - {$8300.00} Again, I am requesting that this entry on my CR be removed immediately. 
Experian has refused to show any physical signed documentation that this belongs to me. 
I am requesting that you show, this being valid and belonging to me with signed paperwork. 
If you can not show this, this entry will be removed from any report with my name and social security number.
Product: Checking or savings account

My husband and I have been banking with Wells Fargo for 7 years. We have been trying for months to turn off ( NSF ) overdraft payments, they have turned it off multiple times, and somehow it keeps getting switched back on, to no error of our own. They have been billing us for overdraft fees, repeatedly after we have made it extremely clear we do not want that on our account. After speaking with the company they said once the overdrafts posted, as they were still pending at that time, to contact them and have them removed. They have yet to remove them, and are refusing to do so. I have filed a complaint with them.
Product: Money transfer, virtual currency, or money service

My Robinhood account was hacked into somehow. My stocks were sold and then the balance transferred to some card that the hackers added to my account during the transfer. I was notified of the transfer on my phone and did not recognize it as I had been holding the stock and crypto for years. I contacted Robinhood and changed all my passwords and email. They then notified me via email that the case is closed and I will not be reimbursed my {$1000.00} that was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Union home Mortgage has checked my credit score on XX/XX/XXXX without my authorization, and I've received hard hits on my credit. 
when I called their office their manager said my wife gave them my ssn to pull up my credit report. I said that I didn't give any authorization to them to check my score and those inquiries should be removed asap. 

XXXX the compliance manager said in the whole US spouses can apply for loan without other spouse consent and they're not gon na remove thos hard hits. he explanied back in XX/XX/XXXX also they pulled my credit score and I want they remove those inquiries from my crdit report as soon as possible since they have checked my credit score without my authorization. they have also caused argue between me and my wife. 

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

On or around XX/XX/2024 XXXX XXXX, XXXX and Equifax, are reporting bankruptcy on my credit report and they have put in the source of furnish as being United States XXXX XXXXXXXX XXXX XXXX XXXX, Nevada. 
: XXXX report reflects XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX as the source of information. 
: XXXX XXXX report reflects XXXX XXXX NEVADA as the source of information. 
: Equifax report reflects XXXX XXXX XXXX  XXXX XXXX XXXX XXXX source of information I have attached a letter from the UNITED STATES XXXX XXXXXXXX DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning bankruptcy, XXXX XXXX XXXX XXXX and Equifax is stating this information on my credit report and have yet to remove this unvalid and UNVERIFIED information from their credit report which violates fair credit reporting act
Product: Debt collection

I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or no attempt was made to contact me. I received absolutely nothing regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Account address ID # XXXX, has violated my rights and is incorrect. 

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 an account with my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX HAS LEGALLY VERIFIED THAT THE ACCOUNTS STATED IN THE COMPLAINT ARE A " CHARGE OFF ''. 
PER THE IRS '' A charge-off is considered income by the IRS : Taxable INCOME " INCOME DOES NOT GET REPORTED ON ANY CREDIT REPORT " " Income is not considered in credit scores because it is not included on credit reports '' " Income is not part of your credit report ''. Delete the accounts mentioned in the complaint and I'm seeking {$1000.00} per Violation. EQUIFAX, XXXX, XXXXXXXX XXXX XXXX is Responsible and will be held liable under : 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes prev | next Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

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

Hi this is really a minor issue. My credit report is blank, its not showing my accounts below. Perhaps its due to the info you have. I applied for credit and they cant see anything. Please update records to reflect address and the accounts listed below. 

ADDRESS ON FILE SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX  XXXX ACCT # XXXX {$230.00} XXXXXXXX XXXX # XXXX {$210.00} XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1300.00}.
Product: Mortgage

I received a call on XX/XX/XXXX from Bank of America for my loan modification, and the received a an intent to close letter as of XX/XX/XXXX. It is as if they are pursing modification and foreclosure at the same time. All of this is putting distress on me and my husband. This is my husband 's mortgage and I assist him. I am a 10 month employee, and our income is limited because he is not working.
Product: Debt collection

On XX/XX/2018 2 Collection accounts were removed as a result of not being able to validate the accuracy. On XX/XX/XXXX these debts were reinserted on my credit reported with no notice per The FCRA. I attempted to resolve the issue with Equifax to no avail. A representative by the name of XXXX promised to give me a call back as it seems that it was a Tech issue that he would attempt to get resolved. I believe this was a stall tactic.
Product: Debt collection

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX score from increasing.

The four companies are : 1. Midlantic Funding XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. 

Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. 

Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. 

Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 

Thanks, XXXX XXXX XXXXXXXX
Product: Mortgage

I have been trying to sell my home on a short sale for 2 years.. I have had so many home specialists I cant count them. I have had 3 very good contracts on my home and Citi stalled so much all the buyers left.. I now have another contract on my home and Citi is requesting all kinds of information they already have.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally lodge a complaint concerning multiple inaccurate address listings and fraudulent inquiries on my credit report, which have caused significant distress and concern. My name is XXXX XXXX, and I have been a responsible and diligent credit user for many years. 

I recently reviewed my credit report from XXXX, Equifax and XXXX Credit Bureaus and discovered several inaccuracies and fraudulent inquiries that require immediate attention. I noticed that my credit report contains multiple addresses that I have never resided at. These inaccuracies not only cast doubt on the reliability of my credit report but also raise concerns about potential identity theft or fraudulent activities. There are several credit inquiries on my report that I did not initiate. These inquiries were made without my consent or knowledge, and they were not related to any legitimate credit applications or transactions I have undertaken. I understand the importance of maintaining an accurate credit report, as it plays a crucial role in my financial well-being. These inaccuracies and fraudulent inquiries not only damage my creditworthiness but also create a sense of vulnerability and insecurity. 

I kindly request that you take immediate action to investigate and rectify these issues on my credit report. I have attached copies of my credit report highlighting the inaccuracies and fraudulent inquiries for your reference. 

I understand the importance of maintaining accurate credit reporting and trust that the XXXX credit bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. I believe it is essential to highlight the issues I have encountered about this fraudulent items : XXXX XXXX XXXX XXXX XXXX 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

As the authorized representative for this consumer credit report the following ALLEGED DEBT on my credit file was reported without the proper investigation process including my confidentiality exposed and my rights to a clear and conspicuous disclosure of rights to opt out of transferring and selling my personal information without my written instructions to do so. This is a breach of my security, costing me 1.Higher Insurance Premiums 2.Higher Interest Rates 3. Denial Of Credit 4. Invading of privacy and denial of a Mortgage Loan.

According to 15 usc 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

1. How were the accounts verified without my consent? I never participated in the process of this information being furnished and ultimately invading my privacy and XXXX  my information increasing identity theft and breach of security.

2. I dont want the following alleged debt to infringe on my rights to privacy any longer. 

1. XXXX XXXX XXXX ( the account number is unknown because I was not informed ) 3. XXXX XXXX XXXX ( the account number is unknown because I was not informed ) Please be advised this is an invasion of individual privacy. 
I request the following Audit Trail 1. Ledger 2. All accounting documents 3. Account file 4. A disclosure that my information was going to be sold with my wet signature 5. Proof of Purchase 6. The origins of the funds used to create this alleged claim of a debt.

7. The master consumer account.
Product: Checking or savings account

This is a general issue with all financial institutions and just not limited to Wells Fargo Bank I am making a complaint below. I had the same issue with XXXX XXXX just less than 6 months ago. 

History : I have a Way2Save Savings account with Wells Fargo. To keep my life simple and structured, I plan a year ahead of time and set up Automatic Bank Transfers to increase my balance in the Savings A/c. I have set up Recurring Deposit {$100.00} ( once every 2 weeks ) from another financial institution into the Way2Save Savings account. 

Issue : On XX/XX/2019, I got an email that the scheduled transfer ( of deposit to Way2Save ) was unsuccessful. I find out the reason that the Way2Save account has been disabled for the due to NO deposit or withdrawal from the account by visiting a bank ( physical brick and mortar ) in the last 24 months. The message that accompanied the warning was the one that was far intimidating It read that if the account had been inactive for long period of such inactivity, then the state ( govt. ) can claim the balance in my account under the term of escheat. 

This is really atrocious. In my mind, State Govt. or any Govt. authority can not come in between a private individual and a financial institution to claim any money, even if it stays inactive. It is not a lottery money that the State can claim. It is hard earned money of an individual ( and possibly to the individuals immediate family needs, if the account holder is deceased ). 

I find that this kind of term applies to an individual checking/savings account with a balance on the account with period of inactivity.. but when it comes to an account such as mortgage account with the same bank, I am sure there will be no such disabling done for not making a mortgage payment for a period of time. ( Of course, the home with the outstanding balance will be taken over by the bank ). 

I opened a case with Wells Fargo bank to register my complaint, but as per the existing rules, I am sure they have nothing much to do. But this law is something that is not sitting well in my mind. How can a regular / periodic deposit of {$100.00} once every 2 week, not be considered as a transaction? Why would I have to walk into a physical bank to make a dummy deposit or withdrawal to keep my account active? Even if the crazy rule/law needs me to keep my checking/savings account active, I have never gone into a bank ever to make my mortgage payment Why dont they have law to make the mortgage account inactive? I am will happy to not pay money back into my mortgage.
Product: Credit reporting

I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I change my name, as far everything was working for the good, then in XXXX XXXX finding out that someone wanted to a get house loan or personal for XXXX loan. At XXXX XXXX I login in to XXXX account fount out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit reports and found out there was discrepancy on all three credit bureau so I was directed to the Federal Trade commission with this problems, They help me in a big way, I only had problems with XXXX credit Bureau, Everything was taken off in the credit report, that was supposed to including XXXX account associated with my old name XXXX XXXX XXXX which are in good standing, the only XXXX associated with my new name with XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX XXXX
Product: Mortgage

TD Bank took an automatic withdrawal of {$10000.00}, rather than {$1000.00}, from my checking account on XX/XX/XXXX. They refuse to process the refund in a timely manner, informing me that it will take up to ten business days. It has now been ten business days, I have no money in my checking account, and do not know what path to resolution there is.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Student loan

I contacted Navient on XXXX XXXX, 2016, regarding my options for lowering my payments. I was transferred to several individuals until a man named XXXX provided me with an option of lowering the interest rate for 14 months. He told me to call in XXXX to finalize the option since I had already made a payment for XXXX. He provided me with a number ( XXXX ) XXXX extension XXXX. 
On XXXX XXXX, I called the phone Navient to finalize the process. The man I spoke to told me that XXXX was unavailable and that I would need to complete the financial verification process again. I refused as I was already qualified. 
Previously, Navient, then XXXX XXXX, had offered me low interest payments on the same loans, however, I was told to call back because I had already made a payment for that month, similar to this incident. When I called back the previous time, I was told I had to complete the financial verification again, which I did, however, the amount I was offered when I called the first time was increased by {$50.00} after completing the second verification. Hence the reason I refused a second income verification process. I asked the customer service representative for a supervisor. The supervisor told me that I did not qualify for the interest rate reduction and that XXXX had noted that in the system that someone should call me back, " at the beginning of next month. '' It is currently XXXX XXXX, 2016, and my payment is due XXXX XXXX. I was told I do not qualify because my federal student loans were not showing in a repayment status on my credit report and that I should call the Dept. of Education to ask for lower payments. I said that was not an option because I was already on income-based repayments. The supervisor also noted that I had a car note on my credit report and that purchase disqualified me from the assistance option that was previously approved. I needed a larger vehicle because my fianc and I were expecting XXXX. 
I believe Navient 's internal practices are deceptive and discriminatory. 
Previously, when I asked for a copy of their policies regarding lowering my payments, I was told they could not provide me with the information. I have no guidelines to review for lowering my payments. 
A promise of lower payments was made and then rescinded because I purchased a vehicle that I needed. Had I been a single person with no children, I believe that my vehicle purchase would not have been considered. 
Further, based on my experience, it is clear that Navient makes every effort possible to avoid options to lower loan payments by making it difficult to contact specific customer service professionals. At least XXXX XXXX had a dedicated phone number you could call to speak with someone in their credit services office regarding lower payment options. All calls to Navient are routed through a main line and you are forced to speak to low level customer service reps who try to coax a payment out of you rather than resolving any issues. It is extortion.
Product: Money transfer, virtual currency, or money service

On last year got scammed on unauthorized transaction and Bank of America didnt do the action to refund my money. Any help that can help me for that fraud or unauthorized charge?
Product: Debt collection

LVNV FUNDING LLC has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.