23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$440.00}
Product: Student loan

I attended XXXX, which this school has since been CLOSED DOWN, and Navient keeps contacting me to repay my loan, but after reading all of the complaints about Navient I am hesitant about starting a payment plan with this company. I feel as though I should not have to pay off a bogus student loan when the school I attended was not a legit school
Product: Mortgage

Hello, I have a loan through Wells Fargo Home Mortgage. My father passed away a year ago on the XXXX XXXX XXXX XXXX, and ever since then I have been trying to assume our home mortgage loan because I am the sole beneficiary in our trust and I am responsible for all of my fathers assets, and financially responsible to take care of them. With this being said, Wells Fargo has taken me for a roller coaster ride of extreme difficulty and frustration since my fathers passing. They have repetitively told me that I can not assume our home mortgage loan without doing a numerous amount of steps, with which I began completing so that I could receive help from them. Although I never did receive any help from them and decided to make a couple of phone calls to lawyers asking about this process in more depth. I came to find out about the The Garn-St Germain Act . A transfer to a relative resulting from the death of a borrower. This situation involves the transfer of real property when one or more relatives inherits it after the borrowers death. If the beneficiaries are relatives, then the due-on-sale clause will not be enforced. No one ever explained this to me at Wells Fargo and I was told that I would have to assume the mortgage through numerous documents proving I was my fathers beneficiary and that I would not be able to get the same rate as him when I redid our mortgage and reapplied for it. I also was just told today that I am no longer allowed to make any sort of payment towards our mortgage unless I pay them {$27000.00} right away being the amount that would bring it current based on my fathers criteria. I have pretty much spoken to most of the Home preservations department and assumptions department at Wells Fargo. I feel that these people have been very manipulative, untruthful, and downright heartless when it comes to a young woman who just lost her father and is trying to make the mortgage payments. They are still today telling me that I am not allowed to assume the mortgage even though I have sent them our trust many times and it clearly states that I am a trustee and a beneficiary as his daughter but they respond with this isnt enough. Please help me resolve this matter as I feel very helpless in the situation and take advantage of by a big bank. Thank you and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letter concerning the following accts tht were inaccurate and blatantly wrong I highlited the errors and they said it was verified. Which is impossible and clearly they didnt investigate it thouroughly. This XXXX  child support for XXXX they have as a collection and closed. Also they have the account on my credit report and have the acct as open since XXXX tht case has been closed since XXXX. Ive sent letters to support this and transunion has failed to delete and do the due diligence. XXXX XXXX and XXXX XXXX are charge offs but have balances on a charge off tht totally violates FCRA and metro 2 laws but yet its still on there. I have XXXX XXXX XXXX on there as a charge off samething inaccurate reporting still on there. I have spoke to the fraud dept about inquiries tht arent mine and I have written letters. And they fail to do there job. I have got disrespected Whn I called and hung up on. Im tired of my rights being violated and being disrespected. It amazes me how XXXX can delete these inaccurate accts and info and transunion keeps it in there Whn I have done the work to point out the inaccuracies and incomplete information. Especially the child support on my report is way past statue of limitations and incomplete and incorrect as well as first premier and capital one and XXXX XXXX XXXX. XXXX XXXX XXXX is a collection and has a past due balance which is totally in violation of FCRA.
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 have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX have 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: Debt collection

the complaint was about my Paypal online credit card account sent to collections, the type of an issue that I'm having with the company paypal is unsolved and unsatisfied its an issue with my paypal account so what happened the paypal credit dispute or fraud team associates use there authority to recharge my  account after they have giving me a XXXX credit, they and charged back XXXX plus a recharge fee of XXXX which totals up to XXXX now they assume that there expecting me to pay all in full and if not paid within 21 days they will close my other credit card accounts that are in good standing I never had an issue with them paying my account I have always been on time never been late paying my monthly payments.so just to let you know that the paypal fraud department team and collection department is all involved in wanting a full pay of XXXX when the charge was maid online through paypal. this is unfair and should be handled in a fair manner with out prejudices and have this department contacted and directed to do the fair and righteous thing to solve this problem in a fair manner. thank you sincerely.XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER 15 USC 1681B THE BUREAUS ARE BREAKING THE LAW BY FURNISHING FALSE/WRONG INFORMATION ON MY CREDIT FILE. THE ACCOUNTS ARE NOT MINE AND THEY WERE A RESULT OF IDENTITY FRAUD/THEFT. XXXX WAS THE ONLY COMPANY THAT WAS ABLE TO VERIFY THAT THESE ACCOUNTS ARE INDEED FRAUD SO EQUIFAX AND XXXX NEED TO GET WITH THE PROGRAM AND PROPERLY INVESTIGATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXXXXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX XXXXcount # XXXX - XXXX account # XXXX - XXXX account # XXXX
Product: Debt collection

Palisade Collection bought a credit card debt and forwarded it to XXXX XXXX XXXX now known as XXXX and XXXX to be collected. A judgement had been placed at least 8 - 12 years ago. They garnisheed for it. The XXXX was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to Equifax Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 


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

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Chase is inadequate with keeping up to date credit reporting g on my account and payments are taking weeks to clear. It is both unfair and unjust to continually be subjected to lazy workers who dont update my credit account and further more have charged me unfair late fees
Product: Mortgage

After receiving my year end escrow letter and feeling it was way too high. I ran the numbers as per their letter and how it was calculated. Found it to be wrong. I sent them, SPS Select Portfolio , Inc a letter explaining my findings on XX/XX/2023. I then received an email that they have my letter. I have called several times asking for someone to go over the calculations with me and I am told it is not complete yet. However, they are going to want my large, wrong payment on XX/XX/XXXX. Need this recalculated quickly as I am XXXX, and the high payment will take away my food money. By law they can, only hold about XXXX. I could not upload their letter but I am sending you my letter in response.
Product: Debt collection

In XXXX of 2015 I was offered XXXX XXXX service at my new house for {$40.00} a month, I was also told that if I was not satisfied I could cancel in 30 days and not be charged. My first bill came in the mail for twice that amount. I immediately canceled because when I called to discuss the disputed amount they refused to honor they 're original {$40.00} price. They said I needed to send the equipment back as well but never gave me a box to do so. I went to a XXXX XXXX store, they refused to give me a box. Eventually, I got XXXX XXXX to send me a box and returned the equipment. Over the course of the next several years, I have continued to receive collection calls and notices stating I owe them money ( currently {$59.00} ) and have repeatedly called XXXX XXXX and discussed the issue with them. They continue to not take responsibility to the miss charge and here we are again. XXXX XXXX has sent the collection to a company called Stellar Recovery Acct. # XXXX ( this time anyway ). I am tired of dealing with this company and obviously do not want it to reflect on my credit score/report.
Product: Credit reporting

On XXXX XXXX XXXX I called XXXX XXXX XXXX to request a credit card line increase. I was very specific and asked multiple times how the process works and if that would be a hard inquiry on my credit if I would request a line increase. The phone banker assured me several times that it would n't be a hard pull on my credit. A couple of minutes later I received an alert that XXXX XXXX XXXX pulled my credit. After reviewing my inquires from XXXX XXXX XXXX on my credit report I recognized another hard inquiry from XXXX XXXX XXXX. This inquiry was a result from my first line increase request. Both hard inquiries were done without my consent. I requested that both inquires are going to be removed. The phone bank Manager ( Name : XXXX XXXX ) did n't really take my issue serious he said that I will be receiving a call back by XXXX XXXX with the resolution. I am very disappointed with XXXX and at this point I can not trust in XXXX anymore that they will take serious action in removing those inquires.
Product: Mortgage

Duel Tracking, poor and deceptive practices, mortgage fraud, modification fraud and foreclosure fraud. 
No written determination issued by Appeals Department on XXXX XXXX escalation. 
Bank of America made knowingly false statements and representations after my appeals were GRANTED. 
A Notice of Default has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 by a known Bank of America 3rd party affiliate XXXX XXXX XXXX XXXX ( XXXX ), refer to recorded document number XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report & notice accounts were reporting inaccurate. I am filing a formal complaint against Equifax for their failure to address and rectify inaccuracies in my credit report, despite previous attempts. I also wish to bring to your attention that I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft in question. 

The following accounts on my credit report continue to exhibit incorrect information : XXXX XXXX Account XXXX - Derogatory status, Charged off account - Monthly Payment : {$0.00} - Balance : {$600.00} - Past Due : {$600.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Consumer disputes this account information - Date Last Active : XX/XX/XXXX XXXX  Account XXXX - Account Status : Paid - Monthly Payment : {$0.00} - Balance : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Closed or paid account/XXXX XXXX XXXX XXXX Account XXXX - Derogatory status, Charged off account - Monthly Payment : {$0.00} - Balance : {$960.00} - Past Due : {$960.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Consumer disputes this account information - Date Last Active : XX/XX/XXXX I have previously submitted a complaint and reported these discrepancies to Equifax, but there has been no resolution. I reassert that this is a clear case of identity theft and, as evidence, I have filed an FTC report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of these inaccuracies from my credit report. Additionally, I request a thorough reinvestigation into these accounts, and I ask for written confirmation of the corrections made. I also seek information on the steps taken during the reinvestigation process. 

I appreciate the CFPB 's attention to this matter, and I look forward to a swift resolution to rectify these errors on my credit report.
Product: Mortgage

My husband lost his job in XXXX, since then were having problems paying the mortgage, on XXXX we stopped making payments due to the hardship. I contacted my loan company and they told me that i had to apply for forbearance hardship, i did apparently I didnt fill out the application the right way and i did 3 times after they told me to and it was always something wrong. Finally the accepted my application i send all the documents required i have been sending them my paystubs every XXXX weeks, and they just keep asking for the same document all the time. I called today XXXX because they send me an email that they rejected my application due to a missing information, they said that i never send them the HOA papers which i did it 3 times and they told that what they received it was from XXXX, which I dont know from where they got that information because we bought the in XX/XX/XXXX, and the house was build in XXXX. Then they told me that my paystubs that i send after the application dont match with the first one, that the amount its different, which i told them of course dont match because i am working overtime trying to paid some of the money that i owe you. Thats where i got upset because for me dont make any sense that a company dont see that the amount dont match because its overtime. And their answer when they realize their mistake was for me to write a letter. This situation is being like this since XXXX and they dont have an answer for me yet, except that i will loose my house. They refused to transfer me to a supervisor, treated me like garbage, the worst customer service.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

the company commonwealth financial has placed a {$510.00} debt onto my credit report from a medical bill that was originated in XX/XX/2014and was paid in XX/XX/2014when I called his company they refused to give me their physical address they refused to tell me what they were collecting on and then they just discclosed they were collecting on a medical bill before getting my full name and then give me the mini Miranda they refused to provide me with a letter stating that I owe the stat the original daughter or anything like that so I know that many laws have been broken here. They didnt even know my full name and they disclosed
Product: Mortgage

The complaint is against my mortgage company servicer. They sent an annual Escrow Analysis with incorrect amounts they claim will raise my monthly mortgage payment. The incorrect amount XXXX GA property tax of {$190.00} that my property is exempt from. My mortgage servicer Ocwen has documents in their tax files noting that this property is exempt from the XXXX, GA city taxes. Yet, Ocwen withdrew the XXXX from my escrow account causing a projected shortage, and Ocwen has increased my XXXX, 2016 mortgage payment to {$740.00}. If Ocwen would correct their records, my monthly payment should remain at {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX See attatched Credit Reported by USAA OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. USAA CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. USAA OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) XXXX  end XXXX now deliquent 2 ) XXXX  XXXX ID THEFT case XXXX XXXX ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.
Product: Money transfer, virtual currency, or money service

They keep opening accounts and closes acounts in my name or dong a lot of trading in my name
Product: Credit reporting or other personal consumer reports

I received a notification stating that there was an unauthorized inquiry from XXXX XXXX XXXX on XXXX. This unauthorized inquiry has affected my credit scoreprofile and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my consumer report immediately from all three credit agencies XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS SHOWING IN MY CREDIT REPORT WITH CURRENT DATE AND IT SHOWING A BALANCE AND THE ACCOUNT SHOWS AS A CHARGED OFF ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

When I had a Bank of America checking account I deposited money through a Bank of America atm and it would say my balance was unchanged or the money wasnt available even with me having the receipt. The bank would not locate my funds or try to figure out what was wrong they would just keep telling me it has to be an atm thing but it was their owned atm. It also use to happened with my direct deposits I would get less than really paid and they would blame it on transactions that were pendingbut were really already posted.