23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely  my FICO2 w hich is used by lenders took a severe hit. I started the month of  XX/XX/XXXX  at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by  XXXX  was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX      and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX   ( which was satisfied in   XX/XX/XXXX  ) r emoved from my credit report on or about  XX/XX/XXXX .    My FICO2  score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?
Product: Credit reporting or other personal consumer reports

I've requested documents showing these are reporting accurate information on me., i have also spoken that i did do identity report for stolen identity and the accounts listed are not accurate and don't belong to me and I've never opened capital one accounts and these are fraudulent accounts. There are 3 capitol one accounts that are listed to my name the amounts are {$660.00}, {$360.00} and {$530.00}.
Product: Mortgage

Wells Fargo is looking to hold more than {$1000.00} in mortgage escrow account. When they were called they are telling me they need {$3700.00} for the same escrow amounts paid the prior year. Also I have health conditions and have made my payments bi weekly a few times due to financial hardship and they did n't apply my money to the loan they put the funds in a General ledger per the bank representative. I always though the funds had to be applied to the loan when the payment is made.
Product: Credit reporting or other personal consumer reports

Dear Equifax My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  {$14000.00} Sincerly XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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, other than records of convictions or 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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my personal credit report from XXXX and XXXX there are unauthorized hard inquiries that is affecting my credit score and credit record tremendously in a very detrimental manner I can't get a loan for my son 's college its had to obtain a loan to purchase a home for my family I have contacted these companies to no avail XXXX XXXX CAP1 XXXX XXXX XXXX XXXX CAP1 XXXX CAP1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP1 XXXX CAP1/SAKS XXXX CAP1/NEIM XXXX XXXX XXXX CAP1 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Experian - Failure to UnFreeze Credit Profile Certain state agencies, with which my office is required to regularly works now run comparative security analysis of credit cards against my Experian profile. As a matter of security, that profile is generally frozen. Over the last couple of years, after a great deal of work, I have been able to access the " freeze '' of my profile and move forward with my work. This week, I have again been required to temporarily " unfreeze '' my profile. 

Experian has made this access and removal of the freeze virtually impossible. Their website is a warren of pages seeking to sell other credit services. When one finally finds the correct page to " unfreeze '', one is walked through an extended identification process. Even with the most careful and exacting input, the process leads to a dead-end page requiring written correspondence with Experian over and a very extended date of answer/resolution. Use of the extended resolution period would destroy my office 's ability to freeze/unfreeze my Experian report and thereby use my credit card use with several state agencies. All direct contacts ( phone and email ) referenced on the page produce NO IMMEDIATE MEANS OF RESOLUTION. 

As EXPERIAN has, in its actions, created a system whereby I am denied certain credit ( even though my credit score is in the top 1 % of those in the country ). Further, they have created a system under which the " freeze/unfreeze '' consumer benefit has essentially been eliminated. They should be immediately be sanctioned and required to simplify their process. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to see if they could correct an error on my credit report. the staus on th report reads " Payment after charge off/collection Settled - less than full balance " it should read " Paid As Agreed '' Account XXXX Account XXXX
Product: Checking or savings account

Hello, my wife is now an XXXX CITIZEN. The bank had on their records that she was a XXXX XXXX XXXX XXXX XXXX XXXX We never received any information that the account would be closed if we didnt provide proof of her legal status. They froze our account and its now been XXXX week and the accounts are still frozen. Checking and saving. 
We have provided her XXXX certificate of naturalization but they still haven unfrozen our accounts. This is Wells Fargo bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Bank Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves a closed " derogatory '' account on my Transunion credit bureau report.     The original creditor,  XXXX   XXXX   XXXX   XXXX  , reported a past due credit card account to the Transuion credit bureau in  XXXX . In  XXXX ,  XXXX   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This acco unt (   XXXX   XXXX   ) has  since ( and is currently ) reported as an " open collections '' on my Transunion credit report.     The problem that I have is that the original  XXXX   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a  XXXX   XXXX   XXXX   XXXX   " closed account '' and once as a  XXXX   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice  by one singl e account.
Product: Debt collection

Complaint Type : Billing or Collection Issues Collection Company : Financial Corporation of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Business Phone Number : ( XXXX ) XXXX Problem : This a SCAM & Un-Verified attempt to Steal Money not Due a Crooked Collection Agency. I have received a collection notice ( # XXXX, internal number to FCA ) for a Hospitalization from an Accident that has been paid in full approx 1 year ago! This was Verified through XXXX & my Attorney!!! This Organization is a LIAR Thank you for this avenue to express and report. However, our SYSTEM Is BROKE!! Good People are allowed to be Harassed by Criminals and failed efforts to VERIFY TRUTH! " The Good thing About the TRUTH, You Never have to Explain It '' Product/Service Purchased : FAKE Collection Purchase Date : XX/XX/XXXX Date Problem First Occurred : XX/XX/XXXX Dates you complained to the company/organization First Date : XX/XX/XXXX Payment Made : No Original Debt : ( PAID in FULL ) XX/XX/XXXX XXXX XXXX Hospital XXXX, GA XXXX
Product: Student loan

On XX/XX/22 I spoke to a representative and informed them that I am a class member of the XXXX XXXX XXXX XXXX and in XXXX finally had my loans removed per yhe lawsuit settlement. Edfinancial who was the servicer of the loans at the time of the removal completely deleted my account after my forgiveness was processed. I waited patiently since XXXX figuring the process of a refund will take time. When I spoke to a representative from Edfinancial they informed me that I do not have an account and said I should speak to the department of education about a refund, I I formed them I already spoke to the DOE and confirmed it is the servicer who can give me info regarding a refund. My loans were direct consolidation loans and should be eligible for a refund per the lawsuit settlement. I attempted to speak to another rep who might be more knowledgeable and helpful, the rep i got was more helpful and said that refunds may be delayed due to the large volume of refunds they are processing and she was looking into what info she could give... unfortunately after that I lost connection to the chat.
Product: Debt collection

sent letters to aargon agency asking for validation of debt after the 30 day mark I didn't know the account had been sent to them the original account was with XXXXXXXX XXXX neither company never notified me see previous complaint with cfpb XXXX aargon replied the debt is verified when I never received anything in the mail from them I want proof these things were sent to me I have the right by law 15 u.s.c. 1681i I have filed a complaint with the ftc and if this is not resolved I will be contacting an attorney aargon has no proof these documents were sent to me ... .also the dates in aargons cfpb response don't match up with what is on my credit report..
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian, XXXX, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell 30 days behind on my Wells Fargo Home Mortgage a few years back. During that time I was able to arrange for Wells Fargo to re-fiance my mortgage and during the underwriting I was advised by my Wells Fargo Adviser that I was NOT to make any additional payments until the new loan was finalized as it would impact the amount being re-financed. I followed their instructions and once the refinancing was completed I stayed current on my payments for the next two years until I sold my house and moved. Unfortunately, Wells Fargo reported my loan as 60 and then 90 days delinquent even though I was instructed by them to NOT make those payments. I have requested that the history of my loan on my credit profile be adjusted to the 60 and 90 days delinquent status to 30 but XXXX XXXX is not doing so.
Product: Debt collection

Select Portfolio Services employees stole my Identity, created a new loan with a new loan number calling themselve the LENDER and SERVICER yet they provide the TrustXXXX information . 
I have no contract with SPS nor do they have any rights to collect nor will they receive XXXX XXXX. 
I caught XXXX XXXX emmployees in Wrongful Foreclosure with case now in Appeals. The Mortgage and loan is paid off. The new loan created via Identity Theft without Right, Consent or Contract now just costed SPS $ XXXX and 18 USC 1341/1342 Violations. 
Attached is the Foreclosure defense handbook which exposes everything. I also have a Securitization Audit from a U.S. Private Investigator proving Mortgage Fraud. 
I attached an Allong to the Note. XXXX and I also sent in a Affidavit Of Rescission OF Signatures which was never rebutted. 
So, fact is, SPS and the Employees are caught red handed in Contract, Bank, Mortgage, Mail and Constitutional Fraud trying to extort XXXX and i via ARTIFICIAL-LEGAL-PERSONS. 
I figured out the ENTIRE LEGAL/LEGALESE system Fraud forcing Involuntary slavery/servitude ( XXXX XXXX Violation ) via Grammatical deception, ARTIFICIAL LEGAL PERSONS, a criminal argot called Legalese/ASL/GLOSSES/SIGN-LANGUAGE with people using Color Of Law/JOB to steal property no man, woman or Corporation lent any money towards. 
If SPS can not prove XXXX ( Origional so called lender ) actually lent its own money ... SPS is out millions for this Fraud and Extortion attempt. 
SPS can take a hike. The Loan and Mortgage are PAID. There is no contracts with I and SPS and there never will be. 
If a banker sends a man with a XXXX to my house like XXXX XXXX did in attempts to steal it again = Domestic Terrorist and I will use whatever force I deem necessary to protect my family/property from a De Facto Government Service Corporation Employee who has no rights to be on my Private Property. 
SPS literally has been caught creating new accounts/loans without proper contracts. 
The Deed Of Trust is Violated and they even sent proof their new loan created via Identity theft is Securitized. This who situation is pure Fraud. 
Burden Of Proof is on SPS to provide the Contract, Note and proof there's a Lender named XXXX or they're being sued for Millions, simple. 
This is a Racketeering scheme involving XXXX XXXX XXXX and XXXX XXXX. 
It is DEMANDED/REQUIRED the Accounting Records and Chain Of Title Be Produced.

SPS is caught in some real crime and Fraud. 
XXXX and I are non-citizen nationals on a DO NOT DETAIN list verified by a Sheriff who ran our passports. This isn't a joke = 18 USC 112 Protection. 
SPS has been faxed the Audit, CEASE AND DESIST mail back, they keep sending mail = Harassment and Mail Fraud. There is no DEBT from SPS I agree to pay and not going to pay. I owe this property. SPS now owes me Compensation. NO STANDING TO COLLECT OR FORECLOSE
Product: Credit reporting or other personal consumer reports

I tried to dispute my information to update it. My information is still on my credit report. My report still has the wrong information.
Product: Bank account or service

In 2013, I lost my wallet in which my bank card was enclosed. Fraudulent activity occured on my account which placed my bank account in jeopardy. Filed a police report, stating my card was lost and that someone had charged my card in the amount of {$2800.00} dollars through credit. Notified BOA ( Bank of America ) of the transaction and submitted reference number from police report. Eventually my claim was accepted and BOA brought my balance back to {$0.00} or the amount that I had on my account orginally. My account was closed. Attempted to open up another account and BOA refused and told be to notify the consumer credit bureau under FDIC. Attempted to open up an account with XXXX Bank but they refused also.
Product: Credit reporting or other personal consumer reports

I'm going collection account from XXXX was agreed with the trade line to be deleted from my credit report. This information was transmitted over to Equifax for deletion and has not been updated nor can I get Equifax to revolve and update this information. I have a letter from the agency indicating that they agreed and should not appear on the account. 
This is stopping me from obtaining a loan at a reasonable interest rate. Ultimately cost me {$30000.00}. All attempts to have this agency Equifax fix this issue has gone unresolved or steps taken to correct this. 
This issue is clearly a result of Equifax not following the laws of the Fair credit reporting act. The creditor has reported and provided me information that that has been has been taken care of and yet Equifax will do nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent inquiry on my TransUnion Credit Report, from XXXX- Inquiry Date : XX/XX/2023. I have attached a letter from the credit, showing that this inquiry should be removed effective immediately. Please accept this official letter as evidence to remove this fraudulent inquiry from XXXX Inquiry Date : XX/XX/2023.
Product: Debt collection

FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. 
Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft that I informed XXXX, XXXX and Transunion about years ago that my purse was stolen with my state issued identification, social security cards and debit cards was amongst those things in my purse and since then I have been struggling to build my credit history due to these fraud accounts that they won't allow me to establish my history
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/2017 I spoke with a representative named XXXX in regards to my account with Advance America. I asked her if I could pay my XX/XX/XXXX payment early and she stated yes, I asked her if I would still have to make another payment on the XX/XX/XXXX and she said no. I proceeded to make the payment on XX/XX/XXXX in the amount of XXXX. I called in today on XX/XX/XXXX to see why my account had n't updated with my payment and the lady I spoke with said that I would still have to pay on XXXX XXXX because the payment I made on Monday did n't cover the amount due on the XX/XX/XXXX which was odd since I paid the amount due in the amount of XXXX.
Product: Credit card or prepaid card

Today, XX/XX/2019, I spoke to both, chat reps and phone reps to Discover credit card. I do love their services and features. I did get to transfer my balance with their awesome balance transfer feature and promotional APR of 0 % for 18 months. However, I figured Discover would allow more funds at different times to be transferred from other creditors which was my plan from the beginning. I wasn't aware that I needed another promotional offer to do multiple balance transfers on the same credit card. I never saw any rules or terms for that. I figured all creditors have the feature to perform balance transfer as long as its from other creditors and not within the same creditors. So the reps told me that I can not perform anymore balance transfers without a promotional offer from them. What's worse is that all reps confirmed that they do not know when the next promotional offer will show up in my account. They don't know and can't give a time frame. It's at random times, which is not clear. What criteria would I need to get another promotional offer? I feel that, they don't want customers to fully take advantage of their 18 month 0 % APR promotional offer which does help customers who want to be responsible for their debt. I was very disappointed with an ambiguous, arbitrary gray answer and ultimately I feel that Discover is more likely trying to burn off some time in months before allowing me to have this feature again so I can stay as their customer past their 18 month offer with the availability to transfer more funds halfway or later through the promotional timing.