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

I have submitted information to Equifax several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to Equifax regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX  with over XXXX miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX account balance. I have been disputing the correctness of this reporting with XXXX and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.
Product: Consumer Loan

PenFed offers a hardship package, but does not honor it. I submitted their own paperwork TWO TIMES plus I appealed. I submitted many, many documents of proof, plus IRS advocate case worker.
Product: Checking or savings account

I was denied part of a fraud claim by Wells Fargo Bank. On XX/XX/year> I was contacted via text from Wells Fargo asking to verify a XXXX transaction. I responded no. I then immediately called Wells Fargo to notify them that this was not an authorized transaction. I spent 24 minutes on the phone ( see attached photo of phone record ) confirming that my account had been compromised and no transactions after the The XXXX of XXXX were authorized. I went into Wells Fargo Bank on XX/XX/XXXX, which was the first appointment I could get, to follow up and withdraw funds in order to open another account. I was told at that time that there was not even a hold placed on my account despite having called specifically to do so. At this time I was notified that several transactions were posted after my initial call. I spoke with the Wells Fargo fraud department from the bank with a banker present and was told " you're right. This should not happen ''. Wells Fargo reimbursed all of the transactions from XX/XX/XXXX except one. Despite the fact that the transaction was to the same party that I specifically notified them was not authorized. ( See attached photos ) I have contacted Wells Fargo and they continue to delay sending me information regarding this denied claim. I have spoken to an attorney in regards to filing a lawsuit. I am hoping to resolve this matter without having to do that
Product: Student loan

I attended the XXXX XXXX from XXXX to XXXX. I was told I could no longer qualify for federal aid so private loans were my only option. They also lied to me and said that they would help me if I couldn't afford my private loan payments and the lender would also help. All that has happened from the time I left to now, is my private loan balance has almost tripled in amount due to the constant deferment and forbearance throughout the years. After Sweet vs. Cardona, my federal student loans were forgiven as the XXXX XXXX and XXXX were found guilty of falsifying information such as graduation rates, employment rates, and projected income rates.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report and discharging of said fraudulent loans. In XXXX, XXXX XXXX discharged XXXX loans after verifying my identity theft claim. These loans were fraudulently opened in my name and should not be reported. 

Despite multiple disputes, including, these fraudulent accounts remain on my credit report. The responses from the credit bureau indicates the information was verified. However, these loans were taken out virtually, without a physical signature and confirmed as fraudulent by XXXX XXXX during its transition phase to XXXX. XXXX was provided with the discharge letter from XXXX XXXX, as well as all of my documentation connected to the dispute and refused to remove the loans. XXXX has since then been banned from ever servicing loans again due to engaging in abusive, unfair and deceptive acts towards borrowers in multiple ways, to which they transferred to AidVantage. Thus they have become the new owner of the fraudulent loans and despite receiving all relevant information, have refused to remove the accounts as well. 

XXXX XXXX - XXXX {$4000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$4400.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$5500.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$2600.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$11000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$10000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$4900.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$1400.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$5200.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$3100.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$3800.00} 0.000 % XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX, Equifax and XXXX asking to remove all information that couldnt be verified and validated and they sent a letter stating that the all accounts were validated.But no response of an investigation was done.Also, no proof of any of the accounts on my consumer report. 

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Ongoing Discrepancies in Credit Report Disputes Reference to CFPB Lawsuit Dear XXXX, I am writing to formally address the ongoing issues with inaccurate information on my credit report, despite my repeated attempts to dispute and resolve these errors. I have previously submitted disputes to your office, but unfortunately, the inaccuracies persist, and my credit report continues to reflect incorrect information. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate consumer disputes and for continuing to report inaccurate information. In light of this, I find it concerning that my own disputes have not been handled in accordance with the standards set by the CFPB and the Fair Credit Reporting Act ( FCRA ). 

The inaccuracies I have disputed includes information that was not to be posted on my consumer report without permissible purpose, closed and incorrect account balances, late payment marks, and wrong account information. Despite providing ample documentation to support my claims, these errors have not been corrected, and my credit report continues to reflect this inaccurate information. 

As a result of these errors, I am experiencing significant damage to my credit score, which in turn affects my financial stability and access to credit. According to the FCRA, you are obligated to investigate and correct any disputed information that is inaccurate, incomplete, or unverifiable. The continued reporting of these inaccuracies suggests that your investigations have not been conducted in a thorough or accurate manner. 

I respectfully request that you conduct a full and accurate investigation of the disputed items and provide me with the following : A detailed explanation of the steps taken to investigate my disputes.

Clear documentation proving the accuracy of the information reported on my credit file. 
A corrected version of my credit report reflecting the accurate and up-to-date information. 
Please be advised that if these discrepancies are not resolved promptly and appropriately, I will be forced to consider further action, including filing a formal complaint with the CFPB and potentially pursuing legal action. I trust that you will take the necessary steps to ensure compliance with the FCRA and resolve this matter swiftly. 

Thank you for your prompt attention to this issue. I expect a response within 30 days as required by law. 

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

Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called Wells Fargo. I cant even rent a house because of this issue! Not professional.
Product: Mortgage

In XX/XX/XXXX, I received a letter in the mail from LoanCare indicating there was an escrow disbursement check which was issued to me in XX/XX/XXXX for {$1400.00}. ( The excess funds in the account is money I've paid to escrow ). The letter stated that for the check to be reissued, I would need to fill out the attached form and either mail or fax it in. If the form was not received by LoanCare by XX/XX/XXXX, the funds would be sent to unclaimed property with the state treasurer 's office. Furthermore, the letter also indicated that processing/reissuing the new check would take XXXX weeks from XX/XX/XXXX ( not from the date they receive the response from me ). 
After going back through the previous mortgage statements I have received in the mail, I was able to locate the aforementioned check as well as another escrow disbursement check dated for XX/XX/XXXX for the amount of {$1500.00}. I called LoanCare to ask if I would be able to cash the checks. I was told that the checks were not valid after 90 days ( although no such timeframe was noted on the checks ). I was further informed that there was another check which was issued in XX/XX/XXXX for {$2200.00} that was not cashed. I asked the LoanCare agent if upon reissuing the XXXX check, that the checks for XXXX, XXXX, and XXXX could be combined or if I could fill out a similar form I filled out and returned for the XXXX check could be done for the XXXX and the XXXX checks. He told me this was not possible. He stated to me that the checks could not be combined, and that I would have to wait for their unclaimed property division to send me a similar letter in the following years for the XXXX and XXXX checks. The agent also read from the letter I received that any calls or further communication with them to receive or expedite the checks would result in a delay/longer wait time to process the check [ XXXX ]. In other words, LoanCare has $ XXXX in escrow money that is owed to me, however, they are going to pay this money back to me over the course of the next XXXX or XXXX years. 

The most concerning issue is that the letter stated, they have a high volume of these checks to reissue. If that is the case, LoanCare is holding on to potentially millions of dollars in consumer escrow overpayments.
Product: Mortgage

Wells Fargo did not pay FHA loan off when we paid off mortgages. Resulting in filing bankruptcy due yo garnishment of wages
Product: Vehicle loan or lease

I obtained two loans through Santander. I was told they would lower the rate after on time payments. They charged me 22 %. 
I have made roughly 23 payments totaling {$15000.00} and I owe almost as much as I borrowed originally after 23 payments. This predatory lending. 
I have called and requested supervisors and spoke to XXXX XXXX. She would not reduce the interest.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX account closed still on my account XX/XX/XXXX XXXX closed XX/XX/XXXX {$390.00} account I disputed back in XXXX and everything reports back accurate account to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I registered at Experian.com in XX/XX/XXXX, which claimed of providing free unlimited Experian report for its members. I was able to get my Experian report from XXXX toXX/XX/XXXX. Then its website started showing error message and I could not retrieve report from it since XXXX. 

In earlyXX/XX/XXXX, I contacted Experian Membership service, reported this issue. OnXX/XX/XXXX, A representative tried to contact me and left a voice mail. When I called back, I was informed that Experian Membership department ca n't see my Experian credit report ( it 's blank in their end ). They asked me contact the Experian credit bureau department to request a paper report and upload to Experian.com/XXXX. They would open a tech support ticket after seeing my uploaded Experian report. 

I expressed my concern and upset, and the supervisor XXXX ( Employee ID XXXX ) informed me that their department just need to know that my credit report has account information on it, it 's not empty. And I have to request a new credit report myself. I told her that i just ordered my annual Experian credit report on XX/XX/XXXX. Everything looks normal. It was not empty. I have also subscribed ProtectMyID alert, which is also a division of Experian, and no suspicious activity was reported. However, the supervisor insisted that I have to request a new Experian report, and uploaded to them before they try to fix the website glitch. They would not do anything even after I told them i have a XX/XX/XXXXexperian report with correct account info. They further informed that i may need to pay for a new credit report since I had ordered one on XX/XX/XXXX 

The way the membership service at Experian department handled website glitch was so ridiculous and suspicious that it looks like they just want to mislead customer to pay extra to get a paper credit report instead of fixing their website glitch.
Product: Bank account or service

We recently found in our home filing cabinet a XXXX Savings Account passbook from XXXX that we completely had forgotten about. After researching on the internet, XXXX was taken over by Wachovia in XXXX and later in XXXX Wachovia was taken over by Wells Fargo Bank. After talking on the phone to a Wells Fargo Client Services representative the first time, he was unable to find anything in their system regarding my account, So as agreed, I sent a letter with scanned copies of the passbook along with a copy of my drivers license, to verify my identity. A month passed, and I received no feedback. So, I contacted them again and we went through the same process again ( i.e., checked their system by my name, my account number, social security number, etc. ) and no results. I again was instructed to write a " Letter of Instruction '' to a different address XXXX 

At this point I really feel I 'm getting the run-a-round especially since my research finds that Wells Fargo could be heading for some troubles.
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Credit reporting, credit repair services, or other personal consumer reports

I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XX/XX/XXXX and XX/XX/XXXX. That is hurting my credit score the department of education from Navient stated they were going to remove the late payment history to show as current and they still have not done anything.
Product: Checking or savings account

I have tried several times to open an online savings account with CitizensAccess.com, a subsidiary of Citizens Financial Group. The online application keeps getting denied. The account application request last was denied XX/XX/XXXX. I have never been provided a reason for why the account was denied. I believe that I am being unjustifiably denied an account, as I have always had exceptional credit ( XXXX score is currently XXXX ), and I have obtained a copy of my XXXX report and my personal information is correct and there is no negative reported information on it. I escalated the issue within CitizensAccess and spoke to a supervisor on XX/XX/XXXX, but was only told that " the bank has decided to end its relationship with me '', and that there was no further info that could be provided, or anything further that could be done to resolve. I asked what consumer reporting agency they use in order to make sure there are no errors, and the supervisor did not have that info to share. As referenced above, I have always had exceptional credit ( XXXX score is currently XXXX ), and I have obtained a copy of my XXXX report and my personal information is correct and there is no negative reported information on it.
Product: Debt collection

The company National CREDIT Adjusters reported incorrect information on all three of my credit accounts. They restarted my date from which they open the account from XXXX XXXX which was XX/XX/XXXX and know they restarted the date to XX/XX/XXXX but that is incorrect information and the Texas law states that the statue of limitations on debt in Texas is 4 years as it states in Section16.004 of the Texas civil practice and Remedial Code. Section 392.007 of the finance Texas code. This section of the law introduced in XX/XX/XXXX states that a payment on the debt ( or any other activity ) does not restart the clock on the statue of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I started a Debt management plan with XXXX XXXX over a year ago. Bank of America continues to report on my credit report that the payments are late ( 15 late payments ) which has inevitably reduced my credit score to the Poor category. They receive the agreed upon payment every month and we do not have any control over when the funds are dispersed to our creditors. This is the only creditor that is negatively affecting our credit.
Product: Debt collection

XXXX XXXX/XXXX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX in an attempt to set up payment arrangements. The representative said she was unable to work a paymnt plan out with me that I could afford.said if they garnished my wages they would get more. I ask to speak to a supervisor. I told them several times i could only commit to {$25.00} a month without losing my house. The supervisor was extremely rude and kept over talking me. I actually had to tell her she did n't have to be so rude. At that point I agreed to {$75.00} a month that i am going to struggle to pay starting XXXX/XXXX/XXXX. She stated she would have the paperwork sent to me and I needed to fill it out and send it back so they could file it with the courts. As of XXXX I had not received the paperwork. I call them back and the representative apologized stated she sees where I spoke to the supervisor, but the notes are very viege. Stated no paperwork was ever mailed out and the agreement was not noted. This representative was very polite and said she would get that out to me and I should have it by next week. If I would not have called my wages would have been garnished due to the supervisor not submitting the payment arrangement she agreed to with me.
Product: Debt collection

debt collector called I tried to dispute the amount and let them know the apartment said I would not be charged asked for it to be removed they would not do it
Product: Credit reporting, credit repair services, or other personal consumer reports

The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX   bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX   which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX CA XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 XXXX TEXAS XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX ACCEPT XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX CRE XX/XX/2022 TransUnion Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX PARK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX TARRANT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX