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

XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX  Charged off turned into a certificate of indebtedness 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 consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) 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 purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 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 person information. '' 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. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because transunion and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent transunion and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with transunion and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting an account onto my credit report that does not be One to me and I have submitted and identity theft report in the past According to FCRA Im due a proper investigation which provides documentation showing my signature giving permission to gain lines of credit. I would like this account removed from my credit report if proper debt validation isnt completed. This is a violation according to FCRA. 
Should you choose to be negligent in rectifying my aairs, I will initiate monetary arbitration in small claims against Equifax, XXXX XXXX XXXX I WILL BE LISTING BELOW FCRA POLICIES THAT ARE BEING VIOLATED : 15 U.S Code 1681c- 2 / 15 U. S Code 1681b- 15 USC 1692 g / 15 USC 1681i / 15 USC 1681e Section 609 of FCRA / FCRA 623 ( b ) ( 1 ) / FCRA 623 ( a ) ( 2 ) / FCRA ( a ) ( 6 ) ( b ) FCRA 616, 617, 621 / FCRA 605B Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00} XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

By law all three credit agencies are supose to report same things but they are not XXXX is not reporting the same as others therefore they are causing me my loan for a house call a lawyer to start moving forward as I just like for it to be updated
Product: Credit reporting

I have been fighting with equifax for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Product: Debt or credit management

I purchased government solar panels form this company and per AND Service representative, I was told my monthly fee to their lending institution SERVICE FINANCE CO, LLC will be {$150.00} for the first 18 months with an increase of {$230.00}, if I did not return the government refund of {$12000.00} per AND Service representative before the end of the 18 months. Also, falsely, I was told my monthly fee will cover the XXXX charges, since it is a government program. 

Prior to the installation of the solar panels, AND Services had done other work for me which was finalized on XX/XX/XXXX and paid in the amount of {$7400.00} by me. Two days later I left the country for a couple months on XX/XX/XXXX. That check was mailed back to me from AND Services on XX/XX/XXXX after the installation of the solar panels on XX/XX/XXXX stating that this is the government refund. The {$7400.00} was added to the borrowed cost of the solar panels bringing the amount now to {$43000.00} owed to the SERVICE FINANCE. 

Upon my return to the USA in XXXX, the customer service representative from SERVICE FINANCE advised me that I owe them {$8600.00} from the government refund, however I am not allowed to apply the refund before the end of the 18 months on XX/XX/XXXX so I can keep my monthly charge as {$150.00}. Per rep, I need to refinance again after the 18 months end on XX/XX/XXXX and my monthly fee will be {$230.00}. Nor am I allowed to speak to a supervisor per rep to clarify all these discrepancies I need clarification whether or not the solar panels sold to me were truly under a government program from AND Services, why the {$7400.00} was applied to the borrowed cost of the solar panels, is {$43000.00} the correct amount of the solar panels and most of all why the two companies misrepresented information to me of the monthly payment now due with another refinance in the amount of {$230.00} after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion, and XXXX, According to the Fair Credit Reporting act, the collection account below Account name XXXX Account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the information is also inaccurate and reports incorrectly, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do.

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

I am writing to formally request the immediate removal of a collection account from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i I have reviewed my credit report, and I have found an entry for a collection account, identified as follows : Creditor/Collection Agency Name : Credit Collection Services Date Reported : XXXX XXXX Balance : {$250.00} I believe this information is inaccurate, incomplete, and in violation of the FCRA for the following reasons : 1. This account is reflected on my credit report as open and this is an FCRA violation according to 15 USC 1692g. This need to be deleted immediately.

2. This account does not belong to me! 
According to the FCRA section 605 B, it is illegal to report anything on my credit report without my permission. Please remove this negative item immediately. I will seek litigation for this violation if not removed from all three credit bureaus. Under the FCRA, you are required to investigate and ensure that all information reported on consumer credit reports is accurate and up-to-date. As this collection account is inaccurate and no longer valid, I am requesting that it be immediately removed from my credit report. 
Please confirm in writing that the collection account has been deleted from my credit report or provide a detailed explanation of why it remains. If this account is not removed within the statutory timeframe of 30 days as required by the FCRA, I will take further action, considering other legal remedies available to me. 
Thank you for your prompt attention to this matter. I look forward to your immediate action.
Product: Mortgage

In XXXX, I received an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX ( see attached copy ). It states the change to my monthly payment and gives the option to pay the shortage in full to avoid the payment being spread over a 12-month period. I paid the shortage of {$970.00} ( see attached copy of statement ), and the new payment started in XXXX. 

Recently, I received another Annual Escrow Account Disclosure Statement dated XX/XX/XXXX ( see attached ) which lists another shortage and a new payment beginning in XXXX. I was quite surprised as in all my years as a homeowner, the escrow account is analyzed once a year hence the title, Annual Escrow Account Disclosure Statement. This second statement makes no reference to the first one nor does it explain why the second statement is being sent. 

On Wednesday, XX/XX/XXXX, I called M & T to try to get some answers and on the attached copy of the second statement you will see my notes. I was on the phone for about an hour, and no one could give me a clear explanation as to why I am receiving two Escrow account analysis in one year. One person said there was a delinquency, one person told me I would need to contact my county tax agency to find out, and on and on ad nauseum. I was switched back and forth between departments and I even asked if I could get a copy of the document that M & T received that stated there was a delinquency, I was told no. As calls are monitored/recorded for quality assurance purposes, what was said can be verified.

I have paid the new shortage of {$440.00} as I have no idea how/if this will be resolved. I dont want to risk any delinquency on my part in paying my mortgage. I also want to mention that I pay an additional {$100.00} a month to my escrow account. If a banking/mortgagor can change monthly payments under the guise of an escrow shortage with no proof, what is to stop them from doing this several times a year?

I will also be filing a complaint with The New York State Department of Financial Services as well as the Consumer Financial Protection Bureau. Hoping to get some clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DURING THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED DOCUMENTS TO ASSIST IN BLOCKING INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Product: Checking or savings account

In Wells Fargo case number : XXXX I was asked to provide more information about the dispute with evidence. The new filing would include all the evidence, IP address investigations, and police reports. Please reach out to me if you need more information for the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL One Bank show duplicate accounts with the same number on my credit report with an incorrect account status as DEROGATORY. I have contacted Capital One Bank to get this situation correct as of today, Captial One has not provided an update or removed the duplicate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct my Credit Report.
Product: Credit reporting or other personal consumer reports

This complaint is in regard to the Equifax lawsuit most recently filed. My last Equifax Credit file was XXXX XXXX XXXX, and Equifax lack of investigation of the disputes I placed has negativity impacted my credit score and hurt my chances at credit after the response to my earlier dispute that the accounts were " verified ''. However, I have not seen the evidence from Equifax about my credit investigation.
Product: Vehicle loan or lease

On XX/XX/XXXX I bought an used vehicle and the car dealer got me financed with Credit Acceptance Later when I checked on an auto loan calculator, I realized that I was being billed much more than the actual loan payments and the loan company wouldnt explain or show me why there was a large difference of money between the actual loan payment and my monthly payments. I struggled with them to straighten that out and I ended up surrendering the vehicle to them and let them take it back on XX/XX/XXXX. I read that there was a lawsuit against that loan company for overcharging customers and I was one of them.
Product: Credit card

Back in 2017, a fraudulent Capital One Credit card was opened under my name. 

I have since then proven it wasn't me and Capital One acknowledges that. 

That being said, every time I try to apply for a credit card, I get denied because of this past account. 

The representatives are rude and they never wan na help me. 

I tell them time and time again and I'm always given the run around. 

I feel discriminated against and that's not right. 

Please have Capital One review my credit applications and give me the card I rightfully deserve. 

They can't keep getting away with doing whatever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of PDQ Services. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all XXXX credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.
Product: Mortgage

I have been trying to get Select Portfolio Servicing inc to remove my PMI for years and they wont. They told me I had a late payment in XXXX when I did not. I accepted the federal forbearance program that they offered me because I was affected by XXXX. I went on a three month forbearance for which I paid off early. They are trying to say that I was late on my payments because I was on the approved forbearance program. This is ridiculous as I follow the contract to the letter of the law. I was never late and Ive made all my payments on time. I have more than enough equity to qualify to have my PMI removed. After further investigation with the XXXX XXXX XXXX I have noticed that this company pulls a scam with many of their clients. This company needs to be held accountable for all of their fraudulent acts.
Product: Credit card or prepaid card

I opened an account with Ally Bank a few years ago, and had only used the XXXX that they provided me with once. It turns out that my XXXX and only usage was with a company that never shipped me my goods. The transaction date was XX/XX/XXXX, and the date I reported this to Ally Bank was XX/XX/XXXX. XXXX 's website for chargeback indicates a 120 day period, but the letter I had received from the bank states, " Our research indicated that the transaction was authorized. The transaction is out of timeframe allowable by the XXXX to initiate a chargeback to the merchant to recover the funds. Please contact the merchant directly for further assistance. '' I have contacted the merchant quite a few times prior to performing the chargeback, and I have sent proof of this to Ally Bank. When I contacted their customer service department, all they could do is repeat what the letter says about the transaction being out of the timeframe allowable - but they could not tell me what that specific timeframe is. In fact, she told me to do a web search if I wanted to know. 

As Ally Bank does not care about their customers being scammed, I will no longer bank with them.
Product: Mortgage

I work for a small XXXX XXXX and due to XXXX, the XXXX cut hours in half ( 40 hours to 20 hours ). I immediately began contacting creditors including Specialized Loans Servicing regarding assistance. I was quickly approved and assured they would help me during this time and offer assistance after plan expired. 

At the end of the plan, I received a valuation on my property which clearly showed a large amount of equity. 

On XX/XX/2020, I received a letter stating that I did not qualify for any offers of assistance. I called the customer care number and asked for assistance. 

I was told that I had three options : short sale my house, turn over the keys to my investor, or pay a lump sum in order to avoid foreclosure. 

I have stayed in constant contact with my lender. I was assured repeatedly they would assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In referfence to : XXXX previous complaint. 
If this is the incorrect way to do this, I apologize in advance. 
I have a complaint open with XXXX but the Experian portion of the complaint has closed. 
I need to say that there is absolutely NO WAY Experian verified student loan payment information with anyone. 
I just received a letter from the collection agency XXXX XXXX XXXX XXXX for Debt Collections System. 
For Payment/Financial History : It says Net Adjusted Transactions : {$0.00} Net Other Transactions : {$18000.00} Net Total Transactions : {$18000.00} I called and spoke with XXXX ( Direct Line XXXX ) from XXXX XXXX XXXX and she told me that she doesn't see that any payments were made on my student loans. 
That is what the Net Adjusted Transactions {$0.00} means. 
I previously sent Experian screenshots of all my student loans that I got from NSLDS.gov 's website and EACH loan says : Cumulative payment amount : {$0.00} Meaning, no payments were made. 
NSLDS is part of the Department of Education, who is my original creditor for student loans, and they say no payments were made and so does the collection agency. 
Even though I uploaded documentation to Experian to prove that no payments were made they are still insisting that a last payment was made XX/XX/XXXX because XXXX said so. Now Experian stated that XXXX isn't listed on their credit report, which is true. But that XX/XX/XXXX date is the date Experian is using to keep these student loans on my credit report, so it does matter. 
XXXX has no documents. I already asked them. They told me to ask the collection agency. I'm sure if Experian had contacted XXXX, that they would have sent them to the collection agency as well. If Experian had contacted the Department of Education, they would have confirmed no payments were made and same if they contacted the collection agency. It is clear to me that they did not speak to anyone. 
My loans went " In Repayment '' status in XXXX XXXX. Since no payments were made that would make the Date of First Delinquency XXXX XXXX, making these too old to be on my credit report as I keep saying. 
The collection agency representative tried telling me that since it is a federal loan it can stay on my credit report indefinitely. 
This is NOT a Perkins loan and negative information will fall off my credit report after 7 years. That is why all credit bureaus have a Date of First Delinquency and a fall-off date listed. 
The collection agent had no reply to that. 
I don't see how hard evidence is not enough for Experian or the other credit bureaus to delete these loans from my credit reports. 
I have sent enough proof that they are too old, yet it comes back as verified as correct?
Product: Mortgage

My property taxes are delinquent because Mr. Cooper has failed to make my property tax payments. I alerted them immediately once I received a late notice from my county in mid XXXX. It is now late XXXX and my property taxes have still not been paid and two late penalties have been added to the amount and the county is threatening to put my property up for tax sale in two weeks ( on XX/XX/XXXX ). I have all the money just sitting in my escrow account that I can not make the payment myself. They finally sent me an email saying they made the payment on XX/XX/XXXX and they took the money from my escrow account, but I kept checking my countys website and they did not receive the payment. I contact Mr. Cooper again and they said they JUST sent it overnight via XXXX on XXXX XXXXhe day I reminded them about it. Its now XX/XX/XXXX and I checked the tracking number and it still says pending even though it was supposed to be sent overnight on the XXXX and they took my money out on the XXXX. Now, theres less than 2 weeks left before my property goes up for tax sale.