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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was notified thru credit cards that my credit score had dropped roughly 240 points. I proud myself on my credit rating. It was identified that I was reported by Nelnet student loans that the reported me being 90 days late on payments. I was current and called Nelnet the following day. The customer service rep said I have been notified as current every month and that I would need to report this to every individual credit agency. I have a late payment on my mortgage which I disagree with but I will except. I have had a credit score over 740 for as long as I remember and want this taken care of. Any help is appreciated.
Product: Bank account or service

My father told his XXXX children that he had made them equal beneficiaries of his bank account. As he become more frail, he made me a joint owner without right of survivorship. After he passed away, the bank told me that he had not made his children beneficiaries. My understanding is that if the funds pass into my father 's estate, the attorney handling the estate will include that amount in calculating his fee. I have a joint account with my wife at the same bank that was linked electronically to my father 's account. I transferred most of the money into that joint account and informed the bank that I would distribute it to my brother and sisters as my father intended. Without notice to me, the bank withdrew the money from my joint account with my wife and unlinked my father 's account from mine. I understand that laws may vary from state to state but, after reading through the membership agreement, I believe the bank has no authority to do what they did. They have refused to answer my questions concerning this. 
I have attached the membership disclosure. It states that a joint owner can not be removed without his permission, which they essentially violated. It says that for a joint owner without rights of survivorship that the decedent 's share passes to his estate ; it does not give the bank the right to determine what portion should pass to the decedent 's estate. It does not say that my joint ownership ends. There is no statutory lien against the decedent 's account. They have violated the membership agreement and have arbitrarily deprived me of my rights as joint owner.
Product: Credit card

A little over a year ago I signed up for a Citi Visa Costco-branded credit card. Upon signing up I requested automatic payment of the full amount as I do with every credit card I own since I have no problem paying everything immediately from my bank account and running a balance is of no interest to me. 

Going over my bank statements I realized that the amounts paid to the Costco card were more than our regular expenses and when I called they told me that I had so far paid around {$600.00} in interest charges because they were only taking minimum balance instead of full statement amount. 

I asked them to please check on our original conversation where I requested regular full automatic payment but they said they couldn't. I asked them to please refund whatever interest charges they could and they said they could only refund XXXX single $ 80 monthly interest charge. 

This is very frustrating. Please advise if I have any options, I really appreciate it.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : 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 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
Product: Mortgage

Ocwen is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices causing the Homeowner and spouse great deal of XXXX needlessly. 

Ocwen entered in to Loan Modification ( attached Exhibit C ) after the Homeowner has successfully completed all required payments. Ocwen has twice since XXXX of XXXX arbitrarily without notice and contrary to the completed Loan Modification Agreement. Changed the modified of 3.76 % to 8.25 %. 

In XXXX XXXX Ocwen completed Modification Agreement and the Homeowner then made seven ( 7 ) monthly payments of the requisite amount of {$4400.00} then on XXXX without notice Ocwen in violation of the Modification Agreement increased the monthly payment to {$7100.00}. 
When the Homeowner contacted Ocwen to inquire as to why the change they were told it was an annual increase. The Homeowner were force to enlist help from counsel and XXXX/XXXX/XXXX ( Exhibit B ) Ocwen issued a correction letter citing on XXXX XXXX they identified the error and made the necessary adjustments. 

When the XXXX ( Exhibit A ) Mortgage Account Statement arrived Ocwen once again without notice or reason has once again increase the interest rate form the contractual {$4500.00} ( 3.76 % ) to {$7200.00} ( 8.25 % ) that an 119. % increase of the interest rate!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, like XXXX was asked earlier in the year ( XX/XX/XXXX ) to correct a XXXX error on my credit report. They ignore me for 10 months initially reporting that the company ( XXXX ) had verified the account. So, for 10 extra months it stay on my credit report inaccurate because they ignored my request, I called XXXX myself last week and they acknowledged the error although they been reporting it as accurate. So, now they want to update it after almost a year, and then it dropped my credit score 14 points. The error reporting cause issues on my credit report and kept me from getting things I needed. This should have been immediately removed from my credit report, instead they decided to update it after almost a year causing me to loose more points. This was an error and it should have been deleted.
Product: Credit reporting or other personal consumer reports

am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, Experian and XXXX Report.I submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX XXXX Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of those accounts listed The address listed of occurrence is where the theft happened I never lived in XXXX XXXX I live in XXXXXXXX XXXX. I had to come all the way out here to wait at the location until an officer came to do the report.
Product: Debt collection

Debt is not mine and does not belong to me. I have contacted XXXX and they have no record of my information. I have received several letters from the collection agency non stop and even at one point advised them it was included in a bankruptcy so that they would quit contacting me. The calls did not stop and neither have the collection letters. Since then this item has appeared on my credit report drastically reducing my score and affecting my credit.
Product: Debt collection

My credit report shows several accounts I believe were added without my consent. Please block and remove these fraudulent entries immediately.
Product: Mortgage

M & T Bank has stolen payment of {$89.00}, XXXX from me as they have received a lump sum payment and is in violation of many laws including pyramiding late fees, escrow violations and misapplied payments. M & T Bank 's refusal to correct their records since spring of XX/XX/XXXX has resulted in my credit suffering and my land being auctioned in a tax foreclosure sale for M & T Bank 's failure to pay the property taxes. I received a mortgage bill as recent as XX/XX/XXXX that billed for taxes and insurance, etc and for what? There was a home fire in XX/XX/XXXX and no insurance has been needed for that vacant lot that has remained since XX/XX/XXXX. Why have I been billed for insurance that is not possible to obtain? Why am I billed for property taxes they failed to pay and now my land is foreclosed upon? Why do I get offers to modify my loan, yet no simple correction and return of my funds. Why does M & T Bank bill for maintenance when the lot was maintained by the City of XXXX? Per the attached records, not only was the property foreclosed on by XXXX XXXX in XX/XX/XXXX for UNPAID taxes I received a mortgage statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on ... None of these statements have removed taxes and insurance from them.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of specific unauthorized accounts and inquiries from my credit report. I am a victim of identity theft linked to a recent data breach, and these items were fraudulently added to my report. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$420.00} Fraudulent Inquiries : XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Mortgage

See Attached letter to XXXX XXXX of Wells Fargo detailing the background of my case. Of note my loan modification was approved by Wells Fargo on XX/XX/XXXX after successfully completing my trial period. Problems started when trying to process the loan documents. XXXX XXXX, who lives in XXXX, is my common law wife as we have never been legally married. 

At one point I was advised by a Wells Fargo representative that final documents would need to be sent to me in XXXX, MO. and then forward to XXXX XXXX to process and return to Wells Fargo. Later Wells Fargo informed this process was not correct and that documents needed to be sent to me for processing and returning and a separate set of documents would be sent to XXXX XXXX to process. Later I was informed my documents were correct but there were some issues with the documents from XXXX XXXX. Find this strange as her documents were notarized by a Wells Fargo Bank Manager. 

Unable to get help and the correct direction on how to process the loan documents I started reaching out to executives at Wells Fargo.See attached letter from XXXX XXXX dated XX/XX/XXXX after a call. He informed me I was removed from the review process on XX/XX/XXXX because I did not make follow up contact with Wells Fargo. Of note he also confirmed a Wells Fargo Manager did NOT return my call for help. After receiving different directions from Wells Fargo representatives I requested that a Manager call me and provide the correct way to process these documents. 

On XX/XX/XXXX I elevated my request for help and clarification to XXXX XXXX in the Executive Office. See attached message. XXXX XXXX did not reply to my message. So I tried to reach XXXX XXXX, see attached file and he did not reply. So I finally addressed a letter to XXXX XXXX, CEO asking for help. Shortly after these message a very nice and capable lady XXXX  called me to discuss my case. It was extremely comforting to finally speak with a real live person to discuss my case. 

XXXX XXXX sent me the attached letter on XX/XX/XXXX. Unfortunately some of the research and information provided to her was not accurate or complete. See attached letter I prepared but did not send because XXXX XXXX and I had a conference call with her. 

Please note the phone number in this file is for XXXX XXXX who has an excellent understanding of everything. You have my approval to speak with her or can call me at XXXX.
Product: Credit reporting or other personal consumer reports

Collection account is being reported on credit report as of XX/XX/24 via XXXX XXXX XXXX that I have no contract or debt with for the amount of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$1800.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$580.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$3100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

Midland Credit Management A third party debt collector is reporting inaccurate information on both my XXXX and XXXX reports however it was deleted from XXXX for being inaccurate so the other companies should do the same so that I can get my actual Credit Score I have disputed with you guys several times about inaccurate information on my report as a result I currently am in litigation with XXXX and will attach copies of that as well as screenshots of my credit profile showing 3 different credit scores that make no logical since and I want my REAL SCORE.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX and XXXX XXXX. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Student loan

On Monday XXXX XXXX, 2016, I contacted Navient about paying off a subsidized student loan of approximately {$2000.00}. I chose to pay over the phone as I know there is an exact pay-off amount that is usually a few dollars different from what the borrower sees in the online account. I was quoted a payoff amount of {$1100.00} and the agent took the information needed to pay this full amount. She let me know it would take a few days to reflect the {$0.00} balance in the online account and congratulated me on my payoff. 

In XXXX I logged into the account and noticed a {$33.00} balance on this same loan. When I contacted Navient, they explained that I did not, in fact, pay off the loan, and that a small remaining balance had been accruing interest since XXXX. They stated perhaps we were n't quoted the proper payoff amount, because our payment was only {$1100.00} and the payoff back then would 've been {$1100.00}. When you look at the account transaction history, it shows that we did, in fact, pay {$1100.00} on XXXX XXXX, but were then credited that money back and charged {$1100.00}, leaving an {$.00} balance to accrue interest. Why did this happen?? They could not explain, but the loan was n't paid in full so we now owed the {$33.00} interest accruement. We pressed, spoke to a supervisor, and were informed this would be submitted for evaluation and we would receive a letter in the mail. The letter came and we were denied - we owe the {$33.00}. 

I spoke with Navient again around mid-XX/XX/XXXX, and that representative told me that for such a small loan, she did n't understand why they would n't just close it out. She said she would submit it for evaluation and we would be contacted regarding this. I waited weeks and did not receive any contact. 

Navient contacted me Friday, XXXX/XXXX/2016, requesting payment - this loan is now past due. I inquired about the {$33.00}, that is now {$34.00}, as I had never received the promised communication about closing it out and was told they do not cancel loans unless they are under {$25.00}, but that I could speak to a supervisor. I was on a family vacation and had already discussed the background of this issue with the customer service agent for 20 minutes, and chose not to speak to a supervisor, as this is my 3rd time requesting action on this loan. 

I do not feel it is my responsibility to pay these bogus interest fees as I was charged the pay-off fee I was quoted, and the customer service agent changed my payment without my permission, resulting in a remaining balance. Whether complaining through the CFPB resolves this issue or not, I want others to know of their shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account over XXXX years ago closed and no longer should appear delinquent status on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave XXXX, XXXX, or Transunion any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.
Product: Debt collection

I lost my Wife to XXXX. in 2007 after 3 years of caregiving at home. 
During the time she was sick I let some debts to the city that were on a on a payment plan go unpaid as all funds went to medical/ caregiving. 
I left my home XXXX after 1 year bereavement and went off to find myself. 
I am back in my home XXXX now after 8 years, remarried, and trying to clean up my credit and debts from my past. 
The existing balance of {$3900.00} to the City/County went to collections, then to court where a Judge awarded the collection agency XXXX that amount???. 
I have been in contact with the collection agency trying very hard to mediate a reasonable resolution and to square up with them as this balance has frozen my ability to obtain a State Drivers Licence. 
Under the circumstances surounding this debt can I challenge or petition the courts to reduce the amazingly ridiculous penalties and interest? HELP! : )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally bank shows over 30 days past due. I dispute with credit reporting agencies they did not correct. Also spoke with XXXX at ally back, he said that it should be Corrected. They have not done so. I did pay pay the account late but was only 29 days late not 30. I paid on like on the XXXX of XXXX. They said I paid after that. Shows on mine and my wives files