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

Before I was the victim of identity theft with XXXX 's appliances. I had, maintained, and successfully paid off an account without incurring any late charges. 

XXXX and Equifax are reporting to other XXXX 's accounts that bear the same account information as the initial account that I was responsible for financially. Except the accounts that they are reporting have {$4700.00} balances associated with them. 

I disputed the validity and accuracy of the two derogatory XXXX 's accounts and instead of XXXX deleting the derogatory entries, it elected to delete the account that was in good standing and positively impacts the credit report that XXXX has compiled and paired with the social security number that was assigned to me. 

XXXX has also chosen to retaliate against me by deleting other positive entries that was listed in the consumer report that it compiled causing the score that I diligently work hard to maintain to drop from XXXX to XXXX. This retaliatory tactic of deleting information that I am not disputing or information that I requested be reversed and not deleted is being deleted without just cause. 

I called several times and sent XXXX and Equifax several letters explaining to them what my name is, what my address is, and who my employer is, but the two entities insist on listing inaccurate and erroneous information without divulging who their respective sources are. 

I am not being allowed to communicate with a representative at XXXX or Equifax over the phone because it has been relayed to me that my actual information doesn't match the information that they received from their respective customers or creditors. 

I am being denied access to dispute any information online as well. 

XXXX has not responded to my dispute letters which validates my name and address. The only changes that it has chosen to make are deletions of positive account information which threatens my economic stability, is defamation of my character, and places me in a state of economic duress and undue financial hardship.
Product: Checking or savings account

Over XXXX worth of unrefunded fraud by XXXX XXXX since XXXX, XXXX XXXX XXXX dollar toll to 2 accounts closure of both accounts
Product: Mortgage

Academy Mortgage was my former mortgager. I refinance my loan and it was paid in full on the XX/XX/2021. My new lender does not require an escrow account and I've been waiting for a check from Academy Mortgage in the amount of {$5000.00}. 

I researched and learned that the lender is required to return these funds within 30 days of loan closing. To date, I've received nothing from Academy Mortgage and it has been 38 days since my loan was paid off. Every time I call, I get the same XXXX, " Your check is in the mail. ''
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Issue/Account with Experian, XXXX Dear CFPB Team XXXX I am writing to file a formal dispute regarding an issue with Experian, XXXX. Below are the details of my concern : Nature of the Dispute : Incorrect information on my credit report and Violation of my consumer rights. 
Report # Experian ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX of Events : I have reached out to dispute from 2021 to date. Despite my efforts to resolve this matter directly with Experian, including contacting their customer service departments, the issue remains unresolved. I believe this matter warrants CFPB 's attention as it involves potential violations of consumer protection laws. 

I kindly request that the CFPB investigate this matter and take appropriate actions to ensure a fair resolution. Please let me know if you require any additional information or documentation from me. 

Thank you for your assistance. I appreciate your dedication to protecting consumers like me. 

Sincerely, XXXX XXXX
Product: Mortgage

I recently obtained a rate lock on a mortgage with Wells Fargo. Before obtaining the rate lock, they repeatedly say that the rate lock can not harm my rate position, but does protect me against rates moving against me. During the time period before closing, rates moved in my favor ( more than an eight of a point ) and I asked WF to adjust my rate. I was told by a WF employee that they do not improve customer rates until the difference is a quarter point, and then they split the difference with the customer. This is entirely antithetical to the concept of a rate lock. The rate lock is there to protect the consumer from harmful rate slips during the closing process, not to make more money for the bank. Please work to correct this injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Omni financial Corp transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my credit report with 209,000 other consumers in a massive data breach. I am now at risk for identity theft or tax fraud, according to equifaxsecurity2017.com, as are many others.
Product: Credit card or prepaid card

I have opened my Wells Fargo Cash Wise VISA credit card approximately 2.5 years ago after receiving a promotional solicitation offer. As part of that offer, the foreign transaction fees would be waived. I haven't had a chance to use this particular credit card overseas until recently, during my trip abroad ( mid-XX/XX/2019 ). Upon my return and double checking my charges, I noticed that Wells Fargo applied 3 % foreign transaction fees to every purchase i made during my XX/XX/2019 trip abroad. Again, I am very adamant that the promotional offer materials under which i opened this credit card clearly specified no foreign transaction fees.
Product: Checking or savings account

A check was written in the amount of {$200000.00} to the untied states treasury and mailed through the US mail. The check was stolen and washed. The check presented to Wells Fargo was nor even remotely close to what my check looked like. My first and last are spelled wrong, the check was completely re-created and no not possess any of the security features of my real checks. My signature is not even close to what it really looks like. The check was written XX/XX/year> and the bank honored it on XX/XX/year>. 
I did not know about this until the IRS fined me for not paying on time. I reviewed my account online and saw the check for {$200000.00} was paid and i assumed it was paid to who I wrote it to. Wells fargo did not post this check for view online as they have with every heck I have ever written and it still is not viewable. I had to get a copy from the bank when I saw it was fraudulent and written to a company whom i have never heard of, Wells fargo has refused to refund our money. we have reported this theft to the FBI, The XXXX XXXX police dept and the post master. I have also retained an attorney and they still refuse to cooperated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Product: Vehicle loan or lease

I had volunteerly return the vehicle in late XXXX. However the corporation has recorded my last payment being listed in XX/XX/XXXX. Which is incorrect my loan account is being recorded as 6 years and 7 months as an open account. I had moved from that address in XXXX and has already returned the vehicle in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.
Product: Student loan

Ive always been continuously in school. So Im not supposed to be charged interest or be asked to pay back my loans until I graduate. Ed financial has been charging wrongful interest and stating Im late on payments for almost a year now. Ive contacted them several times to fix this issue one time being XX/XX/2023 and again the is year ( I recorded the conversation from this year ) where they once again admitted it was their error and lied that they would fix it. They even confirmed the XX/XX/2023 conversation I had with a supervisor. Im being charged wrongful fees and late payments wrongfully being reported to my credit when Im still in school and submitted proof several times. Not to mention the constant harassment of them telling me Im behind in payments Im not even supposed to be making now.
Product: Debt collection

At the beginning of 2024, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) informed me that my credit card debt of {$5000.00} would be turned over to a collection agency, Transworld Systems Inc., if not paid. Consequently, they initiated the garnishment of 15 % of my Social Security Disability payments, approximately {$340.00} per month. This garnishment began around XXXX or XX/XX/year> and has continued through today, XX/XX/year>. 

However, XXXX has not reported these monthly payments to the credit bureaus. Despite filing three separate disputes to ensure these payments are accurately reflected on my credit reports, they have not complied. Notices from the U.S. Department of the Treasury confirm that these payments are indeed being garnished monthly, reducing the debt to {$2200.00}. 

I request your immediate attention to this matter to rectify the reporting discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting Agency keeps allowing XXXX account put old delted accounts back on my report over and over. After i was found inncocent. these companies was deleted before and now they back on several times. please stop letting these companies abuse me because they was deleted over the last few years many times. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXXXXXX 6.XXXX XXXX XXXX 7.XXXX XXXXXXXX XXXX XXXX These accounts was open by Fraud when i was out of the country , and the CFPB helped get them removed and the Attorney General Office. and you guys let these companies put it back on over and over and over. its been years. How about helping me and stop allowing these place to try to Con and scam me into paying debts i did not do. Remove them again please.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CAINE & WEINER COMPANY INC Opened XX/XX/2017. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Vehicle loan or lease

I payed my bill today, XX/XX/22, which was not late. I was still charged {$71.00} for a late fee with Ally Auto. There is a 10-day grace period. On XXXX of XXXX, XXXX from the executive office called me and I missed the call. I returned the call a few days later. She would not answer the phone, neither did she return my call. 

I don't see where they are attempting to fix my account and that person did not return my call. The same thing happens over and over with the company and phone reps. I guess they think if they don't talk to customers and avoid them, that will fix the problem. 

That will not fix the problem, their actions are a sign of guilt of overcharging these fees and refusing to explain.
Product: Debt collection

A debt collection company has just put on my credit an account that has been closed twice by other debt collectors as it is not mine. This is harrassment
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Berlin Wheeler + XXXX, On the attached letter dated XX/XX/2022 from Berlin Wheeler it clearly states they are requesting XXXX completely remove/withdraw the below tradeline from my XXXX credit report asap : XXXX : XXXX ( Client XXXX XXXX XXXX The letter states Berlin Wheeler has been requesting XXXX to XXXXemove/withdraw this and I have also submitted with XXXX to remove/withdraw this XXXX and now I am requesting this again. 

Enclosed with this complaint are : - my drivers license - my address- my social security number proof - my dispute letter - Berlin Wheelers latest letter dated XX/XX/2022 - my XX/XX/2022 XXXX credit report where it still shows its on my report XXXX, please have this removed/withdrawn as Berlin Wheeler has instructed you to do many times as this incorrect information is damaging my credit and interfering with my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Stuff on my credit report thats not mines I have a police report number and the report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX Balance : {$540.00}
Product: Mortgage

in XXXX, Mr. Cooper purchased my Mortgage from XXXX XXXX whom I was paying for my mortgage since XXXX. XXXX XXXX CLOSED my account XX/XX/XXXX according to my credit report. Once Mr. Cooper took over the Mortgage, my credit score decreased XXXX points due to lack of payment. I never missed a payment. On XXXX, it says that my Mortgage was purchased Nationstar " New NATIONSTAR MORTGAGE LLC DBA XXXX account detected ''. I never paid Nationstar but I have paid Mr. Cooper regularly in XXXX when they said they took it over. I have no idea who Nationstar is expect it says that Nationstar was also taken over by Mr. Cooper. When I call Mr. Cooper, they are unable to resolve the problem. Mr. Cooper has an accurate record of my regular payments and confirms all payments are up to date. My credit report, states : XXXX XXXX XXXX XXXX points since XX/XX/XXXX Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with NATIONSTAR MORTGAGE LLC DBA XXXX was added to your report. This account was opened on XX/XX/XXXX. 
The above is stated on my credit report. On XXXX XXXX, I opened my Mortgage with XXXX XXXX and I have been paying XXXX XXXX  since XX/XX/XXXX when my first payment was due. I am unable to get this problem resolved. Please help me! XXXX XXXX no longer services my loan and can not help me with this issue. Nationstar Mortgage is reporting that a Mortgage in my name is open but NEGATIVE ( NO PAYMENTS ).
Product: Debt collection

Last year around this time, I entered a local used appliance store ( I believe the name of the store is XXXX XXXX in XXXX  XXXX, Michigan ) to look at a washer and dryer after mine had broken down, on the vice of a repairman who came out to fix it. I explained to the gut that I needed a unit soon. he assured me he could get it delivered right away. During the sale, I was offered finance through a company called XXXX XXXX that would allow me to stretch payments. I agreed. Delivery was not made. My roommate contacted the store to see what was the problem, and was told they were behind. I then received a call from the delivery guy stating he'd been hurt. I then went in to the store and got a different story, that the truck had broke down, and was told the local mechanic working on it. I drove by that shop that they said was repairing it and the store 's truck was no where on the property. I felt like I was being deceived, or at the very least being given the " run around '' decided I could not wait any longer, and would just go buy a new unit from XXXX XXXX. I went into the store to tell them I wanted to cancel the sale and they said " okay ''. I noticed went I went back into the store that the washer and dryer was still on the sales floor. On the way out I felt like I wanted to leave on a good note, and wished the owner best of luck with his business. When I got home, the credit company told me they were not going to cancel the sale. I called the store back, and the owner told me that he did not like the tone of my " wishing him good luck '', and he was not going to cancel the sale that they were going to deliver it. Basically, he was forcing me to take delivery. I told him that I would not accept delivery. 

After that, XXXX XXXX  has called me twice for payment, and both times I explained to them that I had not received any merchandise from this company, nor would I after the treatment I received. I felt it was mislead, harassed and intimidated, and that they ( XXXX ) were now harassing me as well for payment of merchandise I did not receive. 

Now, I'm received e-mails from True Accord, a debt collector, concerning this, and called them to explain what happened as well. 

Since this has gone to a debt collector now, I feel this is adversely affecting my credit, and that the store has committed fraud by billing XXXX XXXXXXXX for merchandise that I did not receive, and XXXX XXXX is in turn trying to get money from me through this debt collector. I would like any help I can get to stop this harassment that has gone on for over a year now. Thank you.