23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to do modification on my loan to save my house. I've gone through the process, jump through all their hoops, been given bad information and ended up being denied. I attempted to do on appeal but was told I was a day late turning it in yet when I called to get the specific date I was told XX/XX/XXXX it was due, which is the day that I turned it in and then was told I was a day late and they would not consider my appeal. 

Interestingly enough I received a letter in the mail on XX/XX/XXXX stating that I was turned down for my modification because I did not turn in my appeal in in a timely manner which this letter was dated the same day that my appeal was due which tells me that no matter what I would have done they still would have denied it. 

On multiple occasions I asked what information they use to turn down my modification I was never given any information just the runaround about interest rates changing and payment amounts changing and that the repayment plan would make it too much for me to pay back in a monthly payment and then the letter that I received finally gave me an amount that I would have had to pay back per month in order to get back on track. Had I been given this option there would have been absolutely no problem whatsoever of me making the additional add-on to my monthly payment in order to get myself back on track. 

I have never been notified that my house is up for sale for foreclosure The only way that I found this out was that I happen to go online and found it there. With some notes telling me to call my specialist who refuses to speak with me respond to my emails and or return my calls. The only response I get from her is through snail mail. She has sent me a letter telling me My modification was denied and the letter was dated XX/XX/XXXX I received it on XX/XX/XXXX and that was the letter telling me how many days I had to appeal which was 20 calendar days but I only got 10 calendar days because it took 10 days for me to get this letter. I am currently working with a HUD specialist and even she is having difficult dealing with the mortgage company and getting information or getting any type of cooperation. 

I am doing my utmost best to save my home but I can't do that because Wells Fargo absolutely refuses to work with me under any circumstances. They claim that they don't want to foreclose that they want to help you save your home yet they are doing everything in their power to make sure that I can't save my home and making it completely impossible to give them everything they need because every day it's a different thing they need and every person you talk to is a different explanation nothing makes any sense. I'm not the only one that feels this way my hud specialist has had the same difficulty as I have been going through. 

NOTE : I DO HAVE SOME CORRESPONDENCE FROM WELLS FARGO UNFORTUNATELY THEY ARE NOT ON MY PHONE BUT I'D BE MORE THAN HAPPY TO FORWARD THEM UPON REQUEST.
Product: Credit reporting or other personal consumer reports

Unauthorized credit card account opened and showing on credit report.
Product: Credit reporting or other personal consumer reports

i need help with rectifying violations that I believe have been committed. I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether 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. '' ( Furnisher of information to credit agencies ) 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. Equifax and XXXX 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. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Product: Payday loan, title loan, or personal loan

Dear Mr. or Ms . I made the mistake of taking a loan out with this company, I was approved for a {$600.00}. I was told online that there would be a smaller finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 649.9988 % and that the total repayment amount for my {$600.00} loan would be a whopping {$3400.00} I had not been informed of the 650 % interest rate on the loan, and I was told there would be a {$350.00} finance charge, not {$3400.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. To this date I have paid {$560.00} ( in only 7 weeks ) for the {$600.00} loan. I was also told this would be bi-weekly payments and not weekly. I feel like I was totally mis-lead about how much this little loan would cost me. I am willing to pay this off with a reasonable amount of interest. Thank you for your time. I did not realize this was such a scam or I would have never accepted this. They sent me an email stating that I now owe them : XXXX wrote : XX/XX/2019 XXXX AM To You XXXX XXXX, Thank you for your email. Our records show your account is fully past due in the amount of {$1300.00}. There are currently no payment arrangements for your account. We are able to divide this balance into 7 smaller payments of {$180.00} to assist you in your efforts of paying your loan in full. Thank you for choosing XXXX XXXX XXXX. 
Disclaimer : XXXX XXXX XXXX , XXXX  is an entity formed under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservation of Montana ( the Tribe ), a federally-recognized and sovereign XXXX  XXXX Tribe. XXXX XXXX XXXX , XXXX  is wholly-owned by the XXXX. XXXX XXXX XXXX , XXXX is a licensed lender authorized by the Tribes Tribal Regulatory Authority. 
This is not acceptable. I am willing to settle for a reasonable amount of interest. I have paid back 95 % of the borrowed amount. 

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

On XX/XX/2021, I logged in to my online account with Experian Credit Reporting company and viewed a copy of my Credit Report. The Credit Report No. for this report was XXXX. On that same date, I electronically filed, on Experian 's web site, a dispute about alias names, addresses, and some creditor account information that was incorrect. On XX/XX/2021 I logged back in to my online account with Experian and pulled and viewed a new credit report dated XX/XX/2021, with a Report XXXX of XXXX. I compared this new report to the XX/XX/XXXX report, and noted that many of the items I disputed on the XX/XX/XXXX report had been corrected. However, there were still problems with incorrect alias names on the report, and additional issues with information ( phone numbers, addresses, employer information ) missing from the XX/XX/XXXX report, and no statement on the XX/XX/XXXX report about a Credit Freeze I requested, and that Experian acknowledged placing on my report in a letter to me datedXX/XX/2021. I attempted to initiate another electronic dispute on Experian 's web site, through their Dispute Center, for the incorrect aliases. There was no way to request the addition of the missing information ( phone numbers, etc. ) through the Dispute Center. When I marked the incorrect aliases in the Dispute Center, it advised that these could not be disputed electronically, but that I would have to call a phone number XXXX XXXX XXXX XXXX, and discuss these alias issues with an agent on the phone. I attempted several times on XX/XX/2021 to use this phone number to initiate the alias disputes, and I would have mentioned the missing information to the agent as well. However, it is completely impossible to reach a live agent, using the phone number provided by Experian, to discuss or dispute these incorrect aliases with someone. The extremely limited menu choice and stubborn voice prompt system makes it entirely impossible to reach any human agent. This is absolutely infuriating. Instead of Experian making it easy to clean up ones Credit Report, like they are supposed to have done per US law, they have made it as difficult as possible, or completely impossible.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found out a XXXX XXXX XXXXXXXX credit card account that was a fraud account. I didn't even open a credit card at XXXX before, I tried to dispute this account, however the XXXX denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way XXXX solve my problem, and it hurt my XXXX XXXX a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from US customs and border protection. It will show that I arrived at XXXX at XXXX
Product: Credit reporting or other personal consumer reports

I was recently released from XXXX XXXX and I made a XXXX XXXX account and noticed a number of accounts that were not mine. I have been in and out of XXXX since XXXX ( being released most recently XXXX of XXXX with a 5 year XXXX  ) and was incarcerated according to the dates the accounts were opened so I contacted all three bureaus verbally and in writing I submitted evidence of my XXXX, a police report, and an identity theft report, along with my ID showing I am indeed XXXX XXXX and that the dates of these accounts could not be mine due to my XXXX. I requested per 15 U.S. Code 1681c2 that the items be removed within 4 days and that the creditors be notified it was identity theft. They responded saying Valid. I then requested proof of the investigation because there is no way it was valid. I requested copies of applications, Identification, signatures and anything else associated with these accounts as well per 15 U.S. Code 1681d and was never responded to. 

The accounts are XXXX XXXX XXXX XXXX XXXX {$630.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$450.00XXXX XXXX XXXXXXXX Opened XX/XX/XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX  {$290.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Opened XX/XX/XXXX My Identity Theft Report reference number is XXXX My Police Report Tracking number is XXXX I also submitted the same items attached to this complaint via mail with my disputes.
Product: Mortgage

XXXX XXXX XXXX  transferred my mortgage loan to Carrington Mortgage back in XX/XX/XXXX My taxes and insurance are included in my monthly mortgage payment and I have not missed any payment till date. Surprisingly to me I received a bill from Carrington Mortgage showing an increase of about {$80.00} on my mortgage for The month of XX/XX/XXXX. When I called them they said they have the right to ask me to pay an additional two months escrow. There are several complaints online about this company and its fraudulent practices. My wife and I about two years ago had to file for a mortgage modification with XXXX XXXX XXXX to lower our payment because we were struggling with the payment then. Now this crooks want to add another {$80.00} to our monthly payment.

The trick is that they use this tactic to get you to refinance your loan with them. They charge a bunch of fees and you loan amount increase even if your monthly payment is lowered. Immediately XXXX transferrred my loan to this crooked company they have been sending me foreclosure letters even though I owe them nothing also refinance letters and forms.They even went as far as sending someone to my house without any notice trying to force us to refinance our loan which at its Current form we are happy with. We are not looking to refinance our loan and this crooked company dont have any right to add another {$80.00} to our monthly payment. If they dont stop this fraudulent act I and 40 other people I met online with similar complaints will be filing a class action suit against Carrington Mortgage and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have XXXX credit cards with Citibank and have since XXXX and have never been late and pay my cards off every year. 

In XXXX of XXXX Citibank lowered the credit limit on my credit card after a late payment was reported. This late payment was disputed and removed from my credit report. 
However, Citibank refused to raise my limit back up and this caused a XXXX point drop in my credit report. 
Now, XX/XX/XXXX, Citibank is using this XXXX point decrease in my credit score, THAT THEY CAUSED, to lower my credit limit on my XXXX credit card with them. This is also now impacting my credit score.

I have tried to discuss with Citibanks 's CS and they give me the run around saying it is tied to my credit report and to review that even though I have explained the error. No one listens or cares that they are affecting my finances.
Product: Debt collection

I received notification of a collection account on my XXXX and XXXX credit report, wiht ARS for {$470.00} to which is Identity Theft and I have reported it to them repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, XXXX and Experian keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden
Product: Debt collection

My XXXX  boys were seen in the same medical office and they needed XXXX XXXX  for one boy and I was told it was fixed and this company will not let it go and its more than 7 years old even.
Product: Credit reporting or other personal consumer reports

I assert that the transactions on my consumer report were neither authorized nor initiated by me. These accounts reflect fraudulent activities that I did not consent to, and I categorically deny providing written consent or my signature to any of the entities involved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Pursuant to 15 U.S. Code 1681i ( a ), I demand a thorough investigation into these transactions, including a review of all documentation related to these accounts. Furthermore, per 15 U.S. Code 1681c-2, I request the immediate removal of any unverified and unauthorized accounts, inquiries, and transactions from my credit file. The presence of these fraudulent accounts has caused significant harm to my creditworthiness, and it is imperative that they be rectified immediately. I also request proof of my signature on any document purportedly authorizing these accounts. Failure to comply with these demands may result in further legal action to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Im writing to you about a serious issue with XXXX and other credit reporting agencies. Ive encountered multiple problems that indicate fraudulent reporting, and despite my attempts to resolve these issues, Im met with what seems like deliberate stalling tactics. 

I initially sent disputes to XXXX on XX/XX/XXXX, concerning several accounts : 1. XXXX XXXX Account Inconsistent Reporting : The account shows conflicting statuses like " Derogatory, '' " Collection/Chargeoff, '' and " Paid charge off. '' These inconsistencies are misleading and damaging to my credit profile. 
Contradictory Information : The report lists an " Unpaid balance reported as a loss by credit grantor, '' which contradicts the " Paid charge off '' status. This discrepancy negatively impacts my creditworthiness. 
Fraudulent Reporting : The contradictory information appears intentional and could be considered fraudulent. I requested the removal of this account, but it remains unresolved. 
2. XXXX XXXX Account Re-Aged Account : XXXX shows the " Date of Last Payment '' as XX/XX/XXXX, and the " Date Last Active '' as XX/XX/XXXX. XXXX changed these dates to XX/XX/XXXX, making it appear as if the account is negative longer than it should be. This alteration seems deliberate and fraudulent. 
3. XXXX XXXX XXXX Account Errors and Misleading Information : Account Type : Reported as " Open Account '' instead of " Collection. '' Date Opened : Shows as XX/XX/XXXX, which is unusual for a collection account. 
Balance and Terms : Reported inconsistently, with vague comments and discrepancies in the terms and payment status. 
4. XXXX ( XXXX ) and XXXX XXXX XXXX Reporting Conflicting Information : Both entities report the same account with conflicting details : XXXX ( XXXX ) : Account Number : XXXX, Status : Charged off as bad debt. 
XXXX XXXX XXXX : Account Number : XXXX, Status : Collection. 
Despite providing XXXX with copies of my ID and Social Security card, they claim they have not received these documents. This is incorrect ; I have attached proof of my disputes, ID, and Social Security card for your review. XXXX has repeatedly sent me stall tactic letters, claiming they can not locate my file with the provided information. I received four such letters on XX/XX/XXXX, and XX/XX/XXXX, which I believe are maliciously intended to hinder my progress. 

This situation feels like a deliberate attempt to obstruct and mislead, as my attorney, XXXX XXXX, has also noted. I am deeply violated and hurt by this treatment. XXXX and the other involved agencies are engaging in fraudulent practices, and I am considering legal action. 

Please investigate these issues thoroughly. I am seeking your assistance in resolving these fraudulent entries and ensuring that my rights are upheld. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continues to report the account XXXX Account # XXXX incorrectly which causing me significant harm. They keep claiming to verify the account as accurate but they have provided no evidence that they even completed a reasonable investigation into my claims. The account can not be reporting as charge off because banks and financial institutions are insured under FDIC and does not incur any losses. The consumer agencies are not following federal law and their internal policies does not override law. This is my final attempt to get them to remove this account or take this as legal notice that I sue each consumer agency independently for various violations of federal law.
Product: Debt collection

Harassing calls about a court case and fictitious legal action against me. Called my father on XX/XX/2023 and told him I missed a court date and have a trial coming up.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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.