23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I currently have a Citibank Master Card and recently did a soft inquire for a personal loan. I received a rejection that I was denied because I had late payments on my account and was shocked to see that in the letter they sent me. I pulled up my account and there are no late payments as I have never been late on any of my accounts. 
Today, XX/XX/year> I spent XXXX hours on the phone with Citibank being passed around from one department to another with no resolution. I was told that I had two accounts that were refered to collection with an attorney and they were closed. I immediately checked all of my credit reports and found nothing to verify this information, because I dont have any negative information on my credit reports. No one at Citibank will help me and I am stressed. To make matters worse, Citibank just reduced my credit limit on my credit card and I feel it is punitive because of my forcefullness on trying to get this matter resolved. I need help to fix this and I need answers, my credit rating is at risk for this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and outdated information on my credit report that are tied to fraudulent accounts. 

These are NOT my names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are NOT my addresses : XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX
Product: Vehicle loan or lease

I ended up purchasing a car from a not so reputable dealership out of desperation to have a safe vehicle for my family. Little did I know I was signing into terms, that were not accurately provided to me and had additional hidden fees. Fast forward a few months I had XXXX unfortunate back to back situations that caused me to be late on my payments. As a responsible consumer I reached out to notify them of my situation to see if there was any assistance they could provide. Initially I asked if the payment could be moved to the back of the loan because typically thats what auto loans usually do. I was advised the company doesnt do that and all they could do is break the payments up. I spoke several times to someone, who then assured me my account was in good standing, but then I just received a letter stating if Im ever late again they will repossess the car without notice. I dont know what type of practice that is but this has been one of the worst financial decisions Ive made, I truly regret it. I provided the CEO XXXX XXXX and the compliance analyst XXXX XXXX emails advising I have a hurricane that came in my area which led me to relocate my family and that I struggled to buy food and had no electricity, the following month I lost my grandmother and did not work for a month as I went home to be with family and physically couldnt function to work on a daily basis. I provided proof via email and also had conversations with XXXX. He advised my account was current and that he was sorry I had unfortunate situations but it was nothing he could do. Now Im receiving a letter saying if Im ever late again theyll repossess the car without notice. Thats truly insensitive, I had legitimate reasons why I fell behind and tried to work something out so that they knew what was going on. I really feel the way this was handled was unprofessional and inconsiderate. Calls are recorded so it can be played back to note there was never a conversation regarding default.
Product: Debt collection

JH Portfolio Debt Equity has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that XX/XX/XXXX. When JH Portfolio Debt Equity was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. In accordance with the Fair Credit Reporting Act 15 USC 1681e, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On XXXX XX/XX/XXXX, I requested a reinvestigation of the accounts listed on my credit report with tracking number XXXX. The company failed to conduct a reinvestigation of accounts XXXX - XXXX XXXX - XXXX. On XXXX XX/XX/XXXX, I informed the company that account XXXX XXXX XXXX XXXX - XXXX was charged off as of XX/XX/XXXX. Since then the accounts have been repeatedly updated as charged-off every month. This is an update in the payment history, which to my understanding, charged-off accounts should NOT include active payment history. Additionally, the following accounts were charged off on XX/XX/XXXX and XX/XX/XXXX respectively and the creditors provided IRS form 1099Cs for each account based on paid settlements XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX The above accounts are associated with income and income is NOT to be reported on consumer credit reports. The company failed to delete the inaccurate accounts showing active payment history for charged-off accounts as well as reporting income accounts. Attached are the requests that were sent to Experian as well as the latest credit report Experian provided, showing that the reinvestigation was not completed, that proof of verification was not provided, and that the above inaccuracies were not deleted.
Product: Checking or savings account

Hi, For many years, I've had both a checking account at XXXX XXXX  and a savings account WellsFargo bank. 

On XX/XX/XXXX I opened a brand new checking Acct ( XXXX ) at the XXXX website, and on XX/XX/XXXX I moved {$5000.00} from my XXXX checking acct into this new WellsFargo acct [ this transfer was successful ]. 

On XX/XX/XXXX XXXX I received an email from WellsFargo that said : " Don't wait, finish your application for Wells Fargo Everyday Checking... Take a moment now to complete your application ''. 
So I followed the hyperlink in the email, I answered the series of questions their webpage asked me, [ in response to 1 of the questions, I said to transfer {$100.00} from the XXXX  acct as the initial deposit ] and then I was given a 2nd checking account number ( XXXX ) which I never wanted. 

On the morning of XX/XX/XXXX I called WellsFargo telephone support and told them that I only wanted 1 WellsFargo checking acct ( not 2 ). 
They said that we could close the 2nd acct immediately and the {$100.00} transfer [ for initial deposit ] would not be processed. 
On the morning of XX/XX/XXXX I logged into the XXXX website, and I could see that {$100.00} was taken out of that XXXX  checking acct as " WELLS FARGO ONL ACHFUNDING '' but when I logged into WellsFargo.com the {$100.00} never appears in any of my WellsFargo accounts. 

I have called WellsFargo customer service multiple times about this lost {$100.00} transfer.

They deny that WellsFargo ever received the {$100.00} transfer, and they tell me to call XXXX XXXX  to resolve the problem. 
They also said that any transfer going into a closed account would have been automatically sent back to wherever it came from [ but that never happened ]. 

I have called XXXX bank telephone support multiple times about this lost {$100.00} transfer. They insist that the {$100.00} transfer to WellsFargo was successful.

They say that since WellsFargo bank initiated the transfer, I would need to call WellsFargo to try to get this problem corrected.
Product: Mortgage

We obtained a Reverse Mortgage on our mother 's home via her living trust in order to provide her with in home medical care. Our mother passed away in XXXX. Our loan was sold to Reverse Mortgage Solutions for servicing. We notified Reverse Mortgage solutions of our intentions to complete the terms of the living trust and sell the house to pay off the Reverse Mortgage in XXXX. We were instructed by the representative of Reverse Mortgage Solutions that we would have three months to settle the trust and sell the house, and that if we could show the house was in process of being sold, we could have a three month extension to complete the sale if needed, for a total of 6 mos. We were also told in our HUD counseling session prior to signing the loan that we would have 6 months to settle the trust and sell the house. We settled the trust in XXXX and sent copies of the trust documents to Reverse Mortgage Solutions. We followed up via telephone and email to confirm the documents were received and informed representatives of Reverse Mortgage Solutions the house was being readied to go on the market and should be listed in mid XXXX. In XXXX we again notified Reverse Mortgage Solutions by email and by phone of our progress and requested a payoff statement for the loan in anticipation of closing the sale on XXXX XXXX. The Payoff statement we received states it is good until XXXX XXXX. During escrow in XXXX, the escrow officer requested a revised payoff statement as she could not accept our copy and needed XXXX sent directly to the Escrow Office by Reverse Mortgage Solutions. She was told it could not be sent before XXXX XXXX. We delayed the close of escrow to accommodate the schedule of Reverse Mortgage Solutions. The statement did not come on XXXX XXXX and when we called were told the loan was in default, and had been in default since XXXX, that Foreclosure procedures had been started, that they had received no communication from us regarding our intentions, and that once a property is in default, it is not possible to request a payout statement for a specific time frame. Our buyer needed to be out of their existing home by XXXX XXXX, and their approved loan expired end of XXXX. We spend one and a half hours on the phone talking to various representatives of Reverse Mortgage Solutions and all of them insisted they were not able to provide us with the payout document. We were trying to pay off the loan and they were the only obstacle to doing so, and they repeatedly and steadfastly refused to give us the document we needed that only they could provide. They said their records showed we had never contacted them to discuss our intentions or progress, but we have well documented our correspondence and conversations with the various representatives. They also claim we were notified we were in default, but we never received any notification that we were in default or that Foreclosure proceedings were in process neither in conversations, email or by post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted 5 of the 5 accounts which are fraudulant accounts to have them closed or to inform 2 of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization XXXX XXXX XXXX has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on X/X/17, two more times with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. OnXX/XX/XXXXI  spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone called. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX, XXXX, XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. XXXX XXXX will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX.
Product: Credit reporting

This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance.
Product: Credit card or prepaid card

I was sent an adverse action notice on XX/XX/2023, that denied my application in a consumer credit transaction. The notice further stated that the decision to deny me was based on information shared without my consent and used to discriminate against me. As explained in federal law under 15 USC 1602 ( f ) credit is the right granted by a creditor, which means access to credit extended is my lawful right as I am a creditor as described under 15 USC 1602 ( g ) because I regularly extend consumer credit. I initiated this transaction with my credit card under 15 USC 1602 ( l ) and this corporation utilized my credit card for there own profits and gains and I received no benefit from this transaction as required by federal law under 15 USC 1602 ( p ), means they violated the law because it was unauthorized use. By discriminating against me in attempting to deny my right to exercise my right to extend credit and receive benefits from the application for credit under 15 USC 1691 ( a ) ( 3 ). To resolve this matter, I am requesting that I be granted the credit that I extended the application for without any further discriminatory restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 XXXX XXXX XXXXXXXX by Hunter Warfield flagged my credit files with inaccurate/unverified collection information. Their account was updated XX/XX/2022 Please be advised that Hunter Warfield are not Holders in Due Course ; no services or good were received from Hunter Warfield and I have not agreed to pay/tender anything to Hunter Warfield on behalf of anyone for any reason. Hunter Warfield have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Hunter Warfield was NOT provided to me to allow Hunter Warfield to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. This proves DEBT COLLECTOR is not an honorable/honest business.

I have not provided signed wet-ink releases of my private living arrangements to Hunter Warfield .

Hunter Warfield do not have my permission to contact me on my private line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Hunter Warfields reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail fraud. Please abide by all mail codes. All calls are recorded for my safety.
Product: Student loan

I have a student loan that I was making payments on. Due to life complications I stopped payment. I did not receive warning that it was going into default or I would have responded and payed proper attention to the situation. They began to repeatedly call my XXXX friends whom I had used as references, which immediately got my attention ( as opposed to sending me a single email - which I never received ). I signed in to resume payment to see that I was in default. After initial consolidation the amount owed was XXXX. They raised it to {$11000.00} - after selling to themselves at pioneer credit ( their own subsidiary debt collection agency ). Pioneer immediately proceeded to raise it again to {$13000.00}. Upon completing rehab I will be charged up to XXXX % more again. This will more then double the loan amount. This feels like its excessive to me. Do I have options here or do I just have to accept their terms? Thank you for your help in understanding this matter and my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account, dating back to XXXX, has been reflecting on my credit report for XXXX years, even though the full payment of {$1100.00} was made. Although XXXX  XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days. I want the account removed not updated.
Product: Debt collection

When XXXX hit credit was the only thing to get me and my kids through and they sued me so I answered and they are so cold hearted they dont give a XXXX and want me to pay over XXXX the I treat is ridiculous
Product: Vehicle loan or lease

I entered a dealership in search of a car. I started the loan application after choosing a vehicle by providing the general information needed to buy a car. Without my permission, my credit was checked during the procedure, and as a result, an inquiry was recorded on my report. The fact that there was no requirement for a down payment on the automobile confused me as well. Yet when the deal was done, I understood that because I hadn't made a down payment, my interest rate would be greater than that of other auto buyers in my neighborhood. My credit history and report, nevertheless, would contend that my interest rate ought to be lower.
Product: Credit card

I obtained a credit card through a bike shop named XXXX XXXX XXXX to finance a new bicycle interest free for a year. The shop manager assured me there would be no interest for a year. The credit line is called 'Comenity-Trek Bikes. I have always paid on time and met the 1 year deadline in the past but now Comenity is fraudulently charging me {$910.00} interest for a previous purchase in which the bike has already been paid for within a year and assessing interest charges on a bike I just bought. These types of cards and credit lines are routinely offered at bike shops and and are good deal only if paid off within a year and I would never use such a card for anything else. For charging me any interest at all violates the terms with myself and the bike shop. Even their website prominently advertises, " Interest free for 12 months ''. So far interest charges are reaching {$930.00}. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY CREDIT TO BUY STUFF WITHOUT ME KNOWING
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to recent response to previous complaint, which was not satisfactorily answered. The company has not furnished me with the contact information for the person they said verified the information at the US Bankruptcy Court as they have it listed as the one who supplied the information. They have also not established their verification method, because again I do NOT CONSENT to any form of electronic verification. I have contacted the Court and confirmed that they do not report to credit agencies. So at this point as they are the only ones in question I'd like to know who else would have the right to report any such information. Your reporting that US Bankruptcy Court has reported this is INACCURATE and MISLEADING information. I do also, understand that I can sue. If you have valid information pertaining specifically to the issue I am addressing I would like that information. Please address my specific concerns. The answer submitted was general in nature. I would like the information requested as I have a right to it. Original signed paperwork with my signature. No proof means no authority. 

Thank You
Product: Debt collection

National Credit Adjust has contacted my employer, my family and continually calls when this debt doesnt belong to me
Product: Mortgage

On XX/XX/2022, I contacted my service, Specialized Loan Servicing, to discuss options, multiple times. One time, I called and once on the line with the representative, she hung up. I also called once and was told that my loan was not in the system yet and that she would transfer me to the right department, then transferred me to a dead line. I was speaking with a representative shortly who also told me that my account may not qualify for deferral of payments after forbearance and that I may have to make all missed payments at once or would be subject to foreclosure.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX