23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Our complaint is directed to the possible discriminatory review and decision practices of Wells Fargo. My son originally applied for a loan with Wells a year ago whom he 's had his bank account with for XXXX4 years now & he needed a creditworthy cosigner at which time I applied. We were turned down as my score ( XXXX ) was well below their minimum. Fast forward seven months, I worked on improving my credit score by XXXX points, have had ( as always ) a good paying, stable job, ( my son works 36 hours while remaining a FT student! ) so we should be in great standing yes?! Apparently not good enough for Wells Fargo. After my son looked online and received the decline, I phoned Wells, spoke to " XXXX '' who attempted to decipher why we were declined citing 60 day late payments ( of which there are NONE! ), public records ( had a bankruptcy discharged THIRTEEN YEARS AGO! ), how my credit history was n't long enough ( have had XXXX separate car notes over a span of 12 years including XXXX current ones, mine and the XXXX cosigner for my son, & the same credit card paid on time for over 8 years ) and score?! I informed the rep at Wells how I 've worked exhaustively hard directly with the exact credit reporting agency ( XXXX ) to improve to a XXXX score, the same agency Wells reportedly uses. I also questioned the differences in the information as what was depicted in our conversation, also in the letter later to follow, of how the same agency reported my score XXXX points higher than listed ( Wells lists my score at XXXX ) ; how there are NO 60 day lates listed, etc. No answers, just a half hearted apology and try again (? ). We did and have been doing everything to put us in creditworthy status. We both my son & I literally kill ourselves to continuously be rejected? We 're hard working, honest, dependable American citizens living to be contributory to our society however if we were n't, if we came from foreign soil, we 'd be more able to get a loan (? )?! Why are we able to get a car loan quicker, easier than a student loan? My DTI is at 23 %, he 's working more than he 's being educated. What is considered creditworthy? We 're being isolated, discriminated based on being ethnic hard working Americans. I believe is yet another unethical, dishonest and discriminatory practice on dealt of Wells Fargo that needs to be investigated. I 'm quite sure we 're not the only ethnic Americans this has happened to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Mortgage

Our loan was turned over to PHH two months ago. We made the last two payments online. This month PHH online payment was unavailable to us. We werent allow to make payment by phone either. 

So we finally got a hold of customer services. She told us we are denied due to authorization online forms not sign. We told her what forms. She said you need to complete and sign forms. I reminded we are new with PHH and were never informed by forms. L Representative told us we had to make an extra {$17.00} payment to pay by phone. Our payment was not late. Making the payment by phone was our only choice since online was no longer a choice. No warning notification was provided.

We had to make payment with the extra fee since that was our only choice. If payment was not made today on ( XXXX ) it would be late. 

Company would not waive the {$17.00}. Even though as new clients we were never informed that we had to sign authorization form to make payments online. 

Representatives told us previous payments were accepted as a courtesy. No reminders were sent by mail or email. 

No company should charge a fee when a payment is not late or a new customer is aware their policies.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXXXXXX XXXX and XXXXXXXX XXXX  EST. Dont send me no mail whether its USPS XXXX XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.
Product: Mortgage

Unfortunately, my house sustained damage during 2017 hurricane season. After seeing the advertisement on TV for mortgage payment deferred program I immediately called Wells Fargo to have my mortgage placed in a forbearance period. I was told I would not have to make payments for three months and payments would be moved to the end of my mortgage. As the three months approached I received harassing phone calls and threatening letters to make payment, if not, I would face collection or worse foreclosure. 

Wells Fargo did not follow the law. 

I am a hard working individual and I must say, I was treated unfairly.
Product: Credit reporting, credit repair services, 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. 

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 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 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: Mortgage

I received notification that my mortgage had been transferred from Essex Mortgage to Essex Mortgage, occurring on XX/XX/23. On XX/XX/23 I received a notification letter via snail mail, stating that my home owners insurance, required by contract for my mortgage, had expired and failure to remedy this problem would result in Essex Mortgage purchasing a more expensive insurance plan in my name and sending me to their debt collections department to pay them back. I called my insurance company and was notified my insurance was still active. So I called Essex Mortgage where I was told that during the " transfer '', my insurance information was lost. I was then told that I had exactly 45 days from the time of the insurance policy being lost to fix the problem before I would be sent to the Essex Debt collections department. Now, to remind, I was not notified of the issue until 41 days into this 45 day window. I asked why I was not notified via phone or email, as I have been contacted by Essex Mortgage by both in the past, email at least twice a month. I did not get an acceptable answer to this question. I was more or less told that the documents were my problem to fix and that I needed to contact my insurance and have two years of my insurance information uploaded to a link provided by Essex Mortgage. So, on XX/XX/23 I submitted the insurance documents in question. When I called Essex Mortgage on XX/XX/23, I was told it could take 48 hours for the documents to be received and due to the time I submitted them, it was likely to not be received until as late as XX/XX/23 or 44 days into the 45 day window I was given to correct their mistake. When I asked if I would be notified once the documents were received or if there were any problems with the documents, I was told another letter would be sent to me via mail. The problem being, that letter could take another month or longer to arrive, as did the last one. When I requested an email or phone call, I was told that the only form of communication would be another letter in the mail. So, should there be any problems with the documents, regardless of method of communication, I would officially miss the 45 day deadline and be sent to debt collections. 
My only ask in all this was proper and timely communication on the part of Essex Mortgage. A request that was denied.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Unauthorized access of credit bureau and social security number in attempt to obtain credit for a vehicle at XXXX XXXX of XXXX, MI Contacted Ford Motor Credit, they indicated that this attempt was in person. 
This claimant has not been to XXXX XXXX XXXX, has not applied for credit.
Product: Credit reporting

XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint Transunion, XXXX Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to Transunion, XXXX regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XX/XX/2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX TN XXXX was undeliverable, which I may known to the three credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the three credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX
Product: Credit card or prepaid card

A new credit inquiry that I didnt apply for and a change of address that I didnt make
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Debt collection

As of XX/XX/XXXX a collection account XXXX from receivable management systems appeared on my ( XXXX XXXX ) credit report on behalf of XXXX XXXX. I called and advised that I had not received any mailings from the company regarding this debt ( showing what my health insurance did pay and the remaining amount ) and it should be removed from my credit until I have been given the opportunity to make payment and receive detailed billing show what the charges are, what the insurance company paid and remaining amount. The company indicated it was sent and that if I paid it they can submit a review to have it removed from my credit reporting, while at the same time indicating they dont do a pay and delete. If that is accurate why would I have to pay and then submit a claim to the collection agency to possibly remove, as the phone rep indicated there are no guarantees. Nor could he advise what the criteria would be to have the collection removed from the credit bureau. Since that time I have been alerted three times that the collection account was flagged on my reporting. This took place on XXXX, XXXX and XX/XX/XXXX. I dont believe it is within state or federal law to flag the credit report more than once. I have a paid monitoring service with both XXXX  and XXXX  and can provide information supporting this. If it is against the law to remove the debt. Then I should have been to allowed time to make payment BEFORE it was applied to the credit bureaus. I should have received proof of debt before I filed an initial claim. If its illegal to remove a debt why did the rep indicate they could but the collection agency has to review it but cant advise what the criteria to remove is? 
These tactics needs to be investigated. I have spoken with the company but to no avail. I feel as though the practices are not in accordance with state/federal law
Product: Credit reporting or other personal consumer reports

***EQUIFAX*** This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXX Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 


Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my Equifax report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Transunion, a consumer reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe Transunion has failed to comply with the provisions outlined in 15 U.S.C 1681 section 602 ( A ) and 15 U.S.C 1681 section 604 ( A ) ( 2 ) of the FCRA. The account # XXXX XXXX XXXX XXXX. Violation of 15 U.S.C 1681 section 602 ( A ) : States I have the right to privacy. Section 602 ( A ) of the FCRA explicitly explains that I have the right to privacy regarding my consumer information. However, Transunion 's actions have compromised my privacy. This violation undermines the core principles of the FCRA, which aim to protect consumers ' sensitive personal information. They are in violation to the highest degree and this should be addressed. Also addressing the violation of 15 U.S.C 1681 section 604 ( A ) ( 2 ) : States a consumer reporting agency can not fornish an account without my written instruction. This has been addressed to them multiple times. According to section 604 ( A ) ( 2 ) of the FCRA, a consumer reporting agency such as Transunion is prohibited from furnishing information about a consumer 's account without the consumer 's written instructions, unless certain exceptions apply. However, Transunion has furnished information regarding my XXXX Account ( stated above ) without obtaining my written instructions to do so. This unauthorized disclosure of my account information is also a clear violation of the FCRA.
Product: Debt collection

In XXXX XXXX incorrectly charged me for out of network charges. They fixed almost everything but refused to drop all the charges. Switched providers at that time. XXXX locked out my account and for the next three years the account bounced to collections and back to XXXX. I was finally able to make a payment at the end of XX/XX/XXXX for an amount of XXXX towards the balance of XXXX, dropping the amount owed to XXXX. The following month ( XXXX ) tried to make a payment again but wasnt able to get into their system. In XXXX I received a notice of collections from Jefferson Capital LLC that I owed them XXXX in collections from XXXX. In XX/XX/XXXX Jefferson Capital LLC transferred the debt to a third party XXXX. In XXXX when I returned home from my XXXX I contacted XXXX to dispute the amount as it should be XXXX and they told me I wasnt allowed to dispute the account through them and that I had to pay them the amount of XXXX. They told me I couldnt contact XXXX to try to remedy the situation and my only option was to pay them the amount owed. They confirmed that in XXXX they received the account and in XXXX Jefferson capital had bought the debt for XXXX. 
XXXX refused to remedy the issue and has not been able to give me an accounting of where the {$200.00} I payed them in XXXXXXXX XXXX XXXXXXXX went. They were able to confirm that my payment shows in their system though. 

We have had to file fraud charges for the {$200.00} and I am now disputing the collections on my credit account. I want this cleared and removed completely.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of the following account under FCRA 611, 609, and 623. The details of this account are unverifiable and incorrect based on a legal dispute involving XXXX XXXX and XXXX XXXX 
Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$14000.00} Status : Colle v p/Charge-off 1. Lawsuit Outcome Not Reflected - This account was part of legal proceedings involving XXXX XXXX and XXXXXXXX XXXX. The results of the lawsuit voided or altered this debt, making the current charge-off status inaccurate. 
2. Balance Reporting Error - The balance is incorrect because it does not reflect the outcome of my case.

FCRA 623 requires creditors to report only accurate are complete information.

3. Metro 2 Compliance Issues- The Date of Last Activity ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) are inconsistent with legal records. If Equifax can not verify the correct dates, the account must be deleted under FCRA {$610.00}.
Product: Credit reporting or other personal consumer reports

Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; XXXX, Equifax and XXXX. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, XXXX, Equifax, and XXXX fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, XXXX, Equifax, and XXXX furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : XXXX, Equifax, and XXXX does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e.

By not adhering to these statutes, XXXX, Equifax, and XXXX jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both XXXX  and transunion
Product: Checking or savings account

There are two problems- one problem which I thought Bank of America fixed due to their negligence in allowing a fraudulent account to be opened in my name led to the current problem with my business checking/money market account. in XX/XX/year> someone opened a deposit account with Bank of America in my name. I found out late XXXX when I received a bank statement in the mail from Bank of America. I also received a bank statement from them in XXXX with another account opened up after I had spoken with them that I did not authorize anyone to open an account in my name, and they assured me that it wont happen again and that they closed the account. the bank account listed several transactions along with a negative balance. I called their fraud department on the phone immediately and they were no help so I went to a local branch. the branch took me to XXXX of their small offices and put their fraud department on the line. they assured me that the account will be taken out of my name and that they will reverse the credit pull. they also assured me that I would not be responsible for any of the transactions and that this will never happen again. I thought everything was fine until today when I got a call from XXXX that they are closing my account due to derogatory fraud banking reported XXXX of last year. I called Bank of America today and they will not resolve the issue. They also notified me they charged off the balance that was fraudulently made when they allowed the scammer to open an account in my name without even proper verifying who they are to confirm identity. Fortunately, I still have all the documentation and the case number along with confirmation that they will remove any affiliation of this bank account from my name. I just dont know what to do. As of now, my business bank account is completely closed out, and I am not able to conduct business because of this.