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

4 calls today, they hung up on me all 4 times, but promised me to call back if the call dropped, they are crooks, never called, and couldnt answer simply question, Crooks that I gave my social security number too! Do something please!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX SS # XXXX I would like an investigation for Santander Consumer USA a financial institution. Violation of Privacy Act and Anti-trust laws. Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Plaintiff purchased XXXX XXXX XXXX and the car was financed by Malfeasance in office by Santander Consumer USA Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. This information may be verified by : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Malfeasance in office by XXXX XXXX, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX XXXX on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX  Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX This company and person conspirators worked secretly to destroy XXXX XXXX XXXX XXXX  immediate family members with negative credit and to harm life style.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize inquires
Product: Mortgage

FHA CASE # XXXX A modification was approved on my loan for assistance on or around XX/XX/2018 with Wells Fargo ( WF ). At that time the reported gross qualifying income for my family was stated in the amount of {$6100.00}. 

WF, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$2000.00}. However, based on front end debt to income ( DTI ) ratios a gross income of {$6100.00}, and a mortgage payment of {$2000.00}, calculates our DTI, at 33.33 %. This amount of 33.33 %, is outside the guidelines set forth by FHA which has a limit cap of 31 % DTI versus 33.33 % and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. My payment should have been calculated closer to {$1800.00}, based on 31 % of my gross qualifying income. 
Also please note that at the time our loan was approved for assistance our back end DTI, was calculated at 91.13 %. As a result of the gross negligence demonstrated by the WF, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program. The Department of Housing and Urban Development ( HUD ) has specific guidelines for FHA debt-to-income ratios. HUD is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits. According to HUD : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % on the front end. The guidelines also specify that back end DTI should not exceed 43 %. According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. Currently these requirements to remain in place throughout the year, since HUD has not announced any changes to them. This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income. Needless to say, we are furious that our loan was mismanaged by WF and staff and our family is considering filing a civil suit in order to force WF, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

After checking my consumer credit report from XXXX, I found a collections account from Nelson Cruz and Associates with an account # : XXXX opened on XX/XX/23 with a balance of {$250.00}. I've never done business with Nelson Cruz and Associates therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Nelson Cruz and Associates. I never provided any written consent or permissible purpose for this alleged creditor Nelson Cruz and Associates to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I submitted an affidavit /dispute via certified mail and needed a response by XX/XX/XXXX. I submitted another investigation back in XXXX of XXXX and it came back verified knowing they didnt investigate properly hence the reason why they are being sued. 

I have proof that they have received my dispute and have NOT changed the status of my account in collections ON purpose. Violating my rights 15 usc 1681 c-o. ( Willful non compliance ) They should know that XXXX isnt licensed to practice in NC per their OWN website. They are reporting illegally and have provided me with no recourse on how to remedy my report. This is gravely affecting my livelihood! Experians reps have been less than helpful on calls and they prolong investigations with no intent of helping the consumer out! I also emailed the compliance mgr with XXXX and called XXXX XXXX for assistance on this with no avail. I never opt in to giving them my information. I also have contacted the Tx attorney general on this matter!
Product: Debt collection

I lost my son last year to an overdose. I admit there is a hospital bill. This company State Collection Services and their CEO have been issuing hits against my credit weekly over 6 times in XXXX alone for the same {$2200.00} doctors bill. The first 5 times they reported the account was in collection the amount owed was false. 
I filed a dispute via XXXX and the amount was dropped over {$1000.00} only after XXXX did the research. XXXX agrees that there is not a real reasonable explanation for them to list this debt so many times a month ( sometime twice a week ) and they speculate that it is purely punitive in nature. I do not dispute the debt. I dispute their practice of making XXXXne bill seem as though it is late every week. This is not true misleading and to my understanding against the law. This week State Collections has reported the same debt " in collections '' twice to the three credit bureaus. I am requesting that you take action against this company and their CEO XXXX XXXX. In my opinion XXXX XXXX is human garbage for the way that he has treated me in this terrible time of my life.
Product: Checking or savings account

On XX/XX/22, I deposited a check, in the amount of {$100000.00} at Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). The check was from XXXX XXXX XXXX XXXX regarding proceeds from the sale of a home. The check was accepted by the teller XXXX XXXX, XXXX # XXXX ). Subsequently, after reviewing my account, I discovered that the check for the full amount was placed on hold. I then checked my receipt, which included a notice on it stating that " Checks within this deposit may not be paid because of information received from the paying bank or due to information we have within our own systems. '' I reached out to Chase on XX/XX/22 and was transferred to their Fraud Department. I spoke to a representative who identified himself as XXXX. He informed me that they had suspected fraud, the check did not look real to them and that based upon my account history, I have never had any deposits that large in the past. He further stated that they will have to have to place the check on hold for 10 days, as they needed to verify that it is valid by taking it to XXXX XXXX in person to confirm that the issuing account had adequate funds to cover it. I informed him that I was aware that a large amount would not clear immediately, but that his explanation seemed irrational. I contacted XXXX XXXX XXXX XXXX and was informed that they did receive a call from XXXX after hours, but the caller did not leave a message. She explained that nothing was flagged in reference to the transaction nor were there any alerts received at their end. I have been a customer with XXXX for many years, including having mortgages and credit card accounts and have never had problems with my accounts regarding large or small deposits. Neither has there been any assigned late or overdraft fees. My current accounts can almost cover the prior mentioned deposit. 
I am respectfully requesting your assistance with resolving this matter and advising me of the outcome or how I may proceed. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}
Product: Debt collection

My employer received an wage assignment via fax on XX/XX/22 that they were to start garnishing my wages within 10 days to pay off {$690.00}. I was notified by my employer and sent a copy of the notice on XX/XX/22 that they would start garnishing up to 15 % of my wages beginning on my XX/XX/22 check. The wage assignment faxed to my employer did NOT have my correct work location but had one that is closest to my home. I contacted Valley Servicing who was the company who sent the wage assignment and asked why I hadn't received anything via USPS prior to the wage assignment being sent to my employer and that I want something in writing via USPS and verification I owe this debt. They stated they sent it via email prior to the wage assignment which I never received. I asked if they had a judgement and they stated they didn't need one. On my XX/XX/XXXX check, an additional {$200.00} of wages exceeding the amount they stated I owed had been garnished from my check and have not been returned to me. The final amount should have been {$55.00}. I have contacted the company several times and was told they would refund the {$200.00} to my employer which has not yet been received. I made my final attempt to collect my refund on XX/XX/22 and was told they process refunds on the XXXX and XXXX of the month which was never disclosed in any previous conversation when I asked about the overpayments and when/how they would be returned to me.
Product: Debt collection

Hello, I am writing to report a complaint against the company ( " Butler and Associates, P.A. '' ) for unethical debt collection practices. I first received notice about collecting debt on XX/XX/XXXX to the amount of {$310.00} ( principal + interest ). To which I responded with a letter requesting additional information, including who they are, state licenses to collect, itemized debt information, creditor information, debt validation information, and other information ( attachment A ). 

The company did not adequately respond to this request, so I sent an additional letter ( attachment B ). The second letter specifically stated for them to not contact me further regarding this supposed debt, until they have provided all the necessary documents to assess transparency and debt validity. 

I did not hear back for 10 months. On XX/XX/XXXX, I received a letter with debt notice with amount of {$330.00} ( principal + interest ) and the statement that if I don't validate within 30 days, they will assume it is valid. I have already disputed this and they acknowledge the dispute by sending a letter back on XX/XX/XXXX. 

Why are they attempting to collect now after 10 months? Is this an attempt to have interest collect on this debt? Why are they pretending that the debt wasn't already disputed?

Overall, my main complaints against this company is 1 ) lack of transparency about who they are and their clients ; 2 ) failure to conduct the debt validation process with their clients ; and 3 ) their continual harassment without providing information. 

Thank you for your consideration, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 TORRES CREDIT SRV added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, TORRES SRV has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I was advised, without any prior warning, that one of my longest open lines of credit was being closed. I was advised by Citibank that the account had not been used recently and they had the right to close it. As a result, my credit score took a significant hit, as they both increased by debt to credit ratio AND reduced the average age of open accounts. When contacted they REQUIRED me to reapply for the credit line, which they then declined- causing another inquiry on my credit score. Citibank is attempting to cause me financial harm when I have never missed a payment on any other credit line I have with them.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint today to follow up on my previous communication dated XX/XX/2024. As per FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically under reference numbers # XXXX and # XXXX. Enclosed, please find the attached documents to facilitate the removal of erroneous items and fraudulent accounts that have been posted to my reports. The list of items per bureau, which do not belong to me or were opened without my permission, is as follows : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was affected by the XXXX XXXX and furloughed by the time i had to pay for the balance. I told the school and there was nothing to do therefore i paid it late. The school updated my balance and yet the collection agency is still reporting it. The balance is paid.
Product: Credit card or prepaid card

The Credit Card and checking account was opened in XX/XX/XXXX for my mother. I only had a P.O.A. that says no financial gains. A contract was issued in my mothers name ( Not Mine ). It was under my mothers name as card holder and I would have to use her date of birth and social security to access the account. In XX/XX/XXXX Wells Fargo on there own changed the account which was in there best interest. XX/XX/XXXX my mother pasted away and the accounts were to be closed. Wells Fargo again change the account to my name with out my knowledge and now expects me to pay the account off. 
I have asked for a copy of the contract showing my name on it but was told " Because we remove banking records and history according to guidelines the application is no longer available for review ''. This is not acceptable and the account should be removed from my records. Instead they have reported several months late to the credit bureaus and have destroyed my credit rating.
Product: Credit card or prepaid card

I received a bank of america gift card, i found out yesterday that it had expired. Upon calling B of A the rep told me there was nothing she could do since it expired on XX/XX/2019. I had asked if the money goes back to the person/company that purchased it so i could contact them and have them go through the trouble of getting me a new gift card. She explained that the bank keeps the funds. Which I do not see as a legitimate outcome
Product: Credit reporting or other personal consumer reports

I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being