23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, My current property was in the process of foreclosure with Wells Fargo Bank, ( WFB ).  XXXX XXXX ( Real Estate Agent ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) approached me to bring the WFB Loan current by paying the arrears of XXXX. In lieu, of this transaction, XXXX and XXXX XXXX requested the title of my property for collateral. Hence, during this transaction of the title transfer, XXXX and XXXX XXXX, were in agreement to remove my name from the WFB Loan and the Home Association. Since XX/XX/XXXX, I have paid XXXX and XXXX XXXX {$1800.00} to make payment to WFB. I contacted WFB, and they notified me that this was transaction was a prohibited title transfer and predatory lending by this institution. I made the bank aware that this was a transaction made by a California licensed real estate agent. WFB, educated me on the kind of loan that was attached to the property. Conventional Loans are not ever able to be transferred to another title without the bank approving ; in addition, a conventional loan CAN NOT be assumed if the loan is over 30 years, if the loan is transferred without the entire loan being assumed or if the conventional loan was transferred to someone else other than a immediate family member. I contacted both XXXX and XXXX XXXX and made them aware of this prohibited title transfer. I explained to both, what WFB explained to me and how this was a fraudulent transaction per WFB. WFB has demanded that the title be transferred back, or the entire loan be assumed before the foreclosure process. WFB, also explained to me that if I make the home mortgage, the property will continue to foreclosed if the title is NOT transferred back. In addition, to rectify this I agreed to give both XXXX and XXXX XXXX the {$20000.00} that was paid to WFB. They rejected that proposal, and stated that they were not going to comply with what the WFB had requested and expressed to me that they have done this prohibited title transfer with 4 other properties with no repercussions. I have obtained from the XXXX XXXX Fictitious Business records portal the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX OWNERS NAME ( S ) :  XXXX XXXX XXXX AND XXXX XXXX, CERTIFICATE NUMBER XXXX, A GENERAL PARTNERSHIP, FBN FILING EXPIRED XX/XX/XXXX. 
In retaliation, XXXX XXXX XXXX and XXXX XXXX have now filed an Unlawful Detainer Action against me in the XXXX XXXX XXXX Superior Court, Case No. XXXX. 

NOTE : ON THE OPTIONS GIVEN, IN REGARDS TO THE WFB LOAN, NONE ARE APPLICABLE BUT I HAVE CHOSEN ( CO-SIGNER ) TO PROCEED WITH THE COMPLETION OF THE COMPLAINT.
Product: Mortgage

XX/XX/XXXX - made my mortgage payment on XXXX XXXX website as I have done for past couple years. 
XXXX  -received notice in the mail from XXXX XXXX that loan had been sold to Planet Home Lending and no more payments could be made as of XX/XX/XXXXXXXX 
XX/XX/XXXXXXXX received a notice from Planet Home Lending that I failed to make my XXXX payment and was now late and needed to make XXXX and XXXX 's payments. Informed a XXXX late fee would be added on XX/XX/XXXXXXXX 
XX/XX/XXXX - checked my bank account and saw that despite making the payment on XXXX XXXX website on XX/XX/XXXX, they must have chosen not to process the payment. 
XX/XX/XXXX - went on Planet Home Lending and attempted to make XXXX & XXXX payments and was prevented from doing so, stating I was delinquent and could not pay on the website. 
XXXX  - contacted Planet Home Lending and spoke to customer service women who wanted me to give her my banking information over the phone. I refused, and requested to pay online, she said not possible because I was delinquent despite m explaining that really was not the case. She suggested I wire funds or mail a check, which I would not do for multiple reasons. I asked if they were going to report me late to the credit bureaus and she said not for at least 60 days and that they don't charge late fees for the same 60 days due to RESPA. When I asked her why than does it clearly state they were going to charge XXXX if payment not received before XX/XX/XXXX she had no answer. Both XXXX XXXX and Planet Home Lending have inodiated me with mailers and calls trying to get us to refinance our home or take cash out, neither of which we need or want. We have an interest rate for 30 years of 2.25 % and the harassment never ends. I believe this latest stunt is just another way of trying to trick us into refinancing or taking cash out. 
XX/XX/XXXX - I paid through online XXXX XXXX through my bank tonight so I had proof of payments.
Product: Student loan

Mohela customer service provides no option to speak to a representative. I made more payments than needed for Public Service Loan Forgiveness, and Mohela sent me paperwork stating they still can not forgive the loan. This is the issue I need to discuss with a representative from Mohela.
Product: Credit reporting

I sent Equifax over a notarized fraud affidavit along with a police report stating I am the Victim of identity theft and requesting them to block information. They have stated that they must complete a XXXX day investigation. However ; this is IDENTITY THEFT it is clearly stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) that once a credit reporting agency is made aware of the identity theft they have XXXX days to block the information. I have made several calls to them and spoken to managers and they are stating they must do a XXXX day investigation. This is not a dispute it is IDENTITY THEFT. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to CBNA and Sears/ CNBA and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you XXXX  so you can remove the hard inquiry. I also attached a credit shot of my XXXX XXXX showing that the information is still reporting on my credit report.

Feel Free to call me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$72.00} Open balance XXXX XXXX XXXX Original creditor {$99.00} XXXX XXXX XXXX Original creditor {$1000.00} Open balance XXXX XXXX XXXX  XXXX Original creditor {$1200.00} Open balance XXXX XXXX XXXX Original creditor {$7000.00} XXXX XXXX XXXX XXXX XXXX Original creditor I do not agree with the outcome of these negative items on my credit report that I did not authorize, I am unaware and would like for these derogatory remarks be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is reporting as XXXX accounts once as XXXX XXXX XXXX on XXXX and again on all three bureaus as XXXX XXXX co there should be one account name only. i have included the credit report and highlighted all inaccuracies. 
I have disputed many times and they still report incorrectly. 

acceptance now account is inaccurate across XXXX reporting agencies
Product: Prepaid card

Received a XXXX XXXX XXXX XXXX as a gift for XXXX. Activated card, {$300.00} balance when activated. Attempted using card for different transactions in store and online, every single time it declined. A few weeks pass, I contact the card company and was able to speak to a representative who ended up replacing the card with a new one via mail. New card has the same problems. Shows {$300.00} balance & activated, but unable to use for purchases online or in store.
Product: Credit reporting or other personal consumer reports

These accounts are obviously in violation of the law. They are reporting inaccurate information 's on it and is missing on the other bureau. This is a clear violation of : 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than XXXX years, except for criminal convictions. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

The account XXXX XXXX XXXX XXXX XXXX is missing on Equifax and the dates reported are all inaccurate across the XXXX reporting bureaus. While XXXX XXXX : XXXX is not reporting on XXXX and the Balance, No. of Months ( terms ), Last Reported, Comments, Date Last Active, Date of Last Payment are all inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Consumer Report, there are 4 charge offs reporting which is illegal because Charge offs are considered cancelled debt. According to the IRS, cancelled debt is considered income & Income can Not be reported in a consumer report.

The IRS states that cancelled debt is income and the 3 consumer reporting agencies that are reporting the charge offs are not authorized to report. 

I never authorized to report these charge offs to report on my consumer report, as this is defamation, caused Financially and emotionally.
Product: Credit reporting or other personal consumer reports

I want this complaint of mine to be taken seriously. My requests to correct inaccuracies on my credit report have been consistently ignored, It is extremely frustrating and disappointing.
Product: Checking or savings account

I have been attempting for over 4 months to close this account with charles Schwab and they are making it impossible to close and have the money returned to me. We have called and sent emails numerous times without any success. I am the XXXX  of an company and neither I nor my vice president nor my manager has had any success. As this account is not earning much interest, I want them penalized for the loss of the past 4 months whereby I could have reinvested the money the way I wanted.
Product: Credit reporting

I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted transunion and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.     XXXX /  XXXX   XXXX    XX/XX/XXXX     XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXX XXXX XXXX ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done.

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had submitted claim on XX/XX/XXXX claim # XXXX I opened an account of this subject account in XXXX. I have a opened account agreement with stated like this ... .If you do not notify us within sixty ( 60 ) days after the account statement was mailed. Which I did before 60days notified and within 2 days of discovery of fraud on XX/XX/XXXX. WF bank insists I was over XXXX from the posted from my account per XXXX at WF bank claim dept on XX/XX/XXXX. No one helps me any more at WF bank. 

Also I claimed to WF bank I was very very sick since New Year Eve area. I was planning to visit my mother 's funeral ceremony in XXXX. ( Last time I visited XXXX was XXXX ) 25 yrs ago. I couldn't go there because of sickness. I stayed in bed most of XX/XX/XXXX. 
WF bank said I could call customer support or visit branch. When I am sick and I believed my account is nothing wrong with reduced {$30000.00} from checking by the teller I had no way of knowing of fraud at all without any image of checks. My other banks always send me monthly statement with copy of checks not wells fargo bank. 
They said new account agreement is 30days, how do I know? I had never received any change notice or was informed in any way. If I knew it was changed to 30days I closed account immedaitely. I think WF is very tricky not to let customers know important matter and blame customers. They should include image of checks and make sure to mail monthly statement and note each statement with clear XXXX to state customer 's responsiblity each mo. They also should let new customer in writing to each important matters like this 30days to review clause in each initial by clients as a acccount package. As I am senior over XXXX and I am from XXXX. XXXX is not strong. I think customer like me who doesn't do online should have not been victim as a modern online customers. I spent all of my savings and no money left for living after I paid property tax on XXXX, XXXX. I am worrying and stressful life with not be able to function as before without sleeping. ca XXXX XXXX anymore. Hope to hear your good news. thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit leaked from Equifax in XXXX, they never notified me and now I have inquiries on my account that I did not make ( have n't applied to new insurance, mortgage, credit cards, or anything else that I can think of. ) No notice, no assistance was provided, but yet the credit bureaus stand to make a huge amount of money off this by marketing their protection products, and I have to pay THEM to freeze my credit when they collected it and leaked it without my consent.
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 activities. It's my goal to not seek after any legitimate activities so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to ensure that the erroneous accounts are verified and their negativity is fixed immediately The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item : XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Checking or savings account

Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is incomplete, please do a Validation XXXX XXXX Reported : XX/XX/2019. 
{$91000.00}
Product: Student loan

I have been paying ahead on my student loan, but Navient has not put the over-payments directly toward my balance immediately. Instead, it advanced the due date costing me a great deal of money in accruing interest. I pay by electronic bank. NAvient offers to not advance the due date but only on checks and direct payments through their website. I go through my bank 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.
Product: Credit reporting or other personal consumer reports

I have these negative accounts. I wan na challenge the ownership rights to these accounts. They need to be removed from my account.
Product: Credit card

On XX/XX/year> a fraudulent account was opened. The collection amount {$460.00}.
Product: Vehicle loan or lease

There were two issues that occurred with GM Financial. I have been in contact with a customer service representative on multiple occasions without being able to come to an agreement on this matter. To summarize, GM Financial arbitrarily changed the terms in my signed lease contract and increased the monthly payment more than what was agreed to, and subsequently did not notify me of the changes in payment terms. Please see below for more details. 

First, per the signed lease, I agreed to pay {$460.00} on XX/XX/XXXX, followed by 35 monthly payments of {$460.00} due by the XXXX of each month. GM Financial has been billing me over the agreed amount, {$460.00} since XX/XX/XXXX. Due to this, the balance of my account has been increasing by {$6.00} every month since XX/XX/XXXX. This is because I have been auto-paying the agreed to monthly payment of {$460.00}, while GM Financial has been charging me over the agreed to monthly payment. Please note I have not agreed to any changes in the terms. Since XX/XX/XXXX I have accumulated a {$32.00} on top of my monthly payment. This balance will continue to grow each month. Unfortunately, If I were to pay the increased payment and the back due balance, I would be put under financial stress. Additionally, this change would cost me a total of around {$160.00} more than what I expected to pay for my lease over the life of the lease. 

Second, GM Financial did not notify me that they were changing the terms or the monthly payment amount, resulting in my account balance going up due to the difference between my scheduled payments vs. the increased monthly payment. I found out about the change only when I went to update my mailing address on the customer portal ( GMFinancial.com ) on XX/XX/XXXX. Please note GM Financial changed the payment terms in XX/XX/XXXX. This has resulted in {$32.00} in underpayments according to GM Financial as of XX/XX/XXXX. Due to the arbitrary change in terms and payment amount, and the lack of communication of these changes, I would have to pay {$32.00} on top of my increased payment to balance my account. Had I not noticed that GM Financial had changed the terms until the end of the lease, I would have had to either dispute the balance or settle the account. This would have created a financial hardship. Had GM Financial notified me of the changes up front, I could have responded appropriately at that time.