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

Per the FCRA as a federally protected consumer. I am now opting out any and all authorizing. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 16 CFR 313.7 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.

( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.

( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.

( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 collection accounts on my report that are not mine. I have asked for verification of the accounts multiple times and the response I get is they have " validated it ''. I have sent several letters asking for verification of accounts in accordance with FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified. '' I have requested that the collection accounts : XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX to be verified. I would like to see proof that these are indeed my accounts, which I adamantly believe they are not. I would like them removed as it is my right under the Federal Law
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. 

XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX  : # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting Agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Mortgage

Initially I applied for a mortgage for 2 investment properties. I was approved by loan officers back in XXXX, then 1 week before closing. They stated that my income couldnt be verified. I then requested info on why, they stated it was incorrect on the employment verification. To salvage my time and money trying to close on the account I stated that it was probably a clerical error since my w2 and tax returns were correct and the paper that had to be manually processed was the only issue. So common sense would have shown it was a clerical error, nothing more. 

2nd attempt to get financing new application, I tried to consolidate my debt using my existing HELOC loan, I was again approved, did appraisal and just today on XX/XX/XXXX they gave me a generic reason for denial unable to verify income. I asked for clarity and what couldnt be verified since I receive direct deposits from my regular employer and my rental income comes in monthly as direct deposits. No answer as of yet. 

At this time I would like the consumer finance department to look into both of these instances. This seems to be a clear case of unfair lending practices, which has been illegal since 1996. But apparently state employees didnt get the memo. 

This has caused extreme emotional and Finacial stress. 

Thanks in advance for your assistance with this escalation.
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 U.S.C 1681 sunrise credit service Equifax Credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Debt collection

I have sent letters and call the all ( 3 ) credit bureaus who handle credit files. Still the information I tried getting remove, remains on my account.
Product: Credit card or prepaid card

I had XXXX PayPal prepaid cards that were supposed to link the cards together so that I could have access and my mother. The cards were on XXXX separate accounts even though the information was the same and that 's not what I was told would happen and then they cancelled the card with money on it so now my money is being held hostage there 's no way I can get to it
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX EMPLOYER - XXXX  EMPLOYER - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX
Product: Debt collection

In XXXX of XXXX  I started a payment plan for XXXX  of my accounts with Midland Credit Management. Shortly after making a few payments, I reach out Via online chat to find out if I can have a signed deletion letter sent to me to have these accounts removed off of my credit report once they are paid. They said they can not send that to me until my very last payment is made but they will in fact send the XXXX  deletion letters for the XXXX  accounts once all accounts are completely paid. I asked if that was correct because I thought it would have to be done before the payments were completed, they assured they COULD not send them to me until all accounts were paid up. To my surprise after all payments were made, I never received the deletion letters. I did receive a letter stating the accounts were paid but never received the deletion letters. Recently, I was trying to purchase a home and notice on my credit report it is reported as " charged off as bad debt '' for both accounts which is noted as a derogatory mark and affecting my credit severely. I then reached back out to Midland Credit Management via online chat and asked for a copy of the previous chat log and they refused saying they do not record those messages. I then asked if I could get the copy of deletion letters for both accounts that was promised and they said they did in fact send letters and that they are not currently reporting this debt to the bureau. I did take a screen shot of this chat due to not being able to receive the copy of the first chat. I told them I did receive the letters stating my accounts were paid, however I did not receive my deletion letters. They just continue to say they are not reporting to the bureau which is not the issue at hand. I then took the next step to have a Verification of Debt Request letter made and sent for both accounts. I have received letters back basically stating the same thing, that I paid my accounts and they are not reporting to the bureau. I either need these accounts deleted off of my account or I need all of the information requested in the verification of debt request letters under the Fair Debt Collection Practices Act provided to me. Neither have been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have been trying to correct errors on my credit report with XXXX, XXXX & Equifax but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. 

I do not make the law, its written in the FCRA. XXXX, Equifax, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.
Product: Student loan

In XXXX, former President Obama announced the Public Service Loan Forgiveness Program. My wife and I lived in XXXX. I contacted Congressman XXXX XXXX XXXX  office to find the link and gain assistance in submitting in the application. 

Over the next three years, I encountered numerous problems with the Department of Education ( DOE ). I completed the application six times. I submitted it six times. DOE officials stated the paperwork was not received electronically or by certified mail. DOE claimed the XXXX XXXX where I worked as a full-time XXXX  did not qualify for the program. Yet, the nonprofit organizations with whom I volunteered or worked for as part of my community service obligations did quality. DOE claimed that I did not qualify for the program even though I made 120 payments. DOE again claimed that I filed for forebearance during this period or reduced payments which resulted in my denial. 

My wife and I moved to XXXX, Texas and I contacted Congressman XXXX XXXX XXXX office for assistance. This occurred in XXXX. His staff worked with me to coordinate my paperwork and obtain a consistent response from DOE. 

In XXXX, XXXX, I received a phone call from XXXX in XXXX XXXX, CA. Their representative, XXXX XXXX, stated that I was now approved to have 75 percent of my remaining student loans forgiven. Their organization contracted with DOE. I would pay {$510.00} for the next three months. My remaining student loan payment would be {$200.00} for the next few years. I agreed. However, my FedLoan account showed the reduction was not applied to the account. Congressman XXXX XXXX office staff worked with FedLoan, XXXX, and me periodically over the next nine months. A staffer finally inquired into XXXX. While their email address implied XXXX was a government agency, it was a third-party organization who had misrepresented themselves to me, to a Congressional office, etc. as part of DOE or held a contact with DOE to process such paperwork. At which point, FedLoan recommended that I contact the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney General 's office and notify them of the situation. 

I had completed and battled with DOE for years over my application. How XXXX had access to my electronic information baffles me. They knew too much about what I owed and guaranteed that the remainder of my student loans were forgiven through the program. I would like the money I paid to XXXX returned. If it is possible, I would like DOE to finally acknowledge the receipt of the paperwork and apply not just the letter but the spirit of the law as was promised to me and countless others who dedicated their careers to public service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXXXXXXXX, XXXX XXXX  XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has listed a personal home improvement loan as a mortgage on my credit report. I have never disputed the loan, but Experian 's incorrect listing has resulted in another lender denying me a mortgage loan. Experian refuses to list the loan ( from XXXX ) as a personal home improvement loan, even though I provided Experian with data showing the listed mortgage liens filed on my real property which show no listing from XXXX. I have sent Experian a statement ( less than XXXX words ) to add to my report, but they have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX showing up on my credit report when it is not mine i do not owe money to this company or purchase anything from them, because i do not have an account with them so remove it
Product: Debt collection

Not sure how to describe this because I have issues on 2 fronts : 1 ) I was XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time I had student loans that were deferred because of my XXXX XXXX status. But the companies would constantly sell my loans to other companies and I wouldn't even know about it until I was in collections and started getting letters. My credit was destroyed for 10 years because these companies would sell my loans, I would end up in collections ( even though XXXX XXXX has deferred status ) and I would have to resubmit all my military orders again. But the years of collection dings still show, even though I was payment deferred due to XXXX XXXX status during that time. 

2 ) I was dealing with PENN collections on a {$130.00} bill that I didn't even know about. When I spoke with the guy on the phone 2 weeks ago my impression was that paying it would remove it from my credit report. It did not and they won't help. They simply marked is " paid '' so my credit score is still damaged. 

I'm trying to refinance my VA loan, and these things are preventing it. I've never missed a bill I've known about and all my student loans are now paid ( I paid them off because I was so tired of having them sold and then ending up in collections because I couldn't even find where they were sold to ). I just need my credit report to reflect my 100 % payment history and figure out how to remove all these blemishes that are either wrong or dealt with.
Product: Vehicle loan or lease

Per the company ( CARMAX AUTO FINANCE ) statement my monthly payment is considered overdue but there is a period of time I have between my due date and the next bill being generated that I can pay the bill and any late fees applied where it wont hit my credit or go into collections. I called them and notified them that the payment would be late yet they persisted to call me EVERY DAY LAST WEEK before I finally called them and applied a payment as I had finally been paid. I have told them to stop calling me incessantly especially since I ALWAYS call them to let them know Ill be late if thats the case. I want them to be blocked from calling me especially since I have been diligent in paying them no matter what.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute.XXXX  does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal details were potentially compromised in the recent Equifax Security breach in XXXX  2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX**** XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I have had a fraud issue on my credit card starting on XX/XX/XXXX to XX/XX/XXXX. The current balance is now {$11000.00}. I have had this card since XXXX and have never had spending habits such as this. Many of the charges were made in RI. and I live in MA. I have not made any of these charges and have never stayed at the XXXX hotel or other hotels in RI. There were many XXXX and XXXX store charges as well as food purchases. 

I would like to get credit for all fraudulent charges as a resolution to this problem. 

I have contacted Discover 's fraud department 5 times and was continuously told it would take 90 days but nothing has been resolved. I was told the last time I called that they had matched my voice to a call which said to recharge my card for the XXXX charges but I never made such a call and now they are refusing to credit my account which they have now closed. This is affecting my credit score dramatically from XXXX to XXXX currently. I need help to resolve this as now I have and three late payments and the minimum payment is {$1000.00}. I should not have to and can not pay this as I am retired.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle In XX/XX/2019 and later filed for bankruptcy. This vehicle was listed on the bankruptcy and during that time I was involved in an accident where the car was totaled however the vehicle is listed as a repossession and late payment even though it was paid in full by the insurance company. This is through Exeter Financial
Product: Credit reporting or other personal consumer reports

After submitting my previous complaint, I received correspondence from XXXX today That did not come with anything. I asked him for. I asked him for documentation containing my signature or something proving that the account is mine and this is the second time I received the response from them and they are not able to provide that information. I think it is pretty clear at this point that theyre in violation of The fair credit reporting act. To further prove my argument, the correspondence I received today is not even in my name therefore they are reporting an account to my credit report. Thats not even under my name. I will be uploading photos of this letter as that they are violation and I want this account removed from my credit report immediately. The account I am referring to is as follows : XXXX ) XXXX XXXXXXXX. 
Acc # XXXX
Product: Mortgage

Wells Fargo re-instated my loan in XX/XX/XXXX, after XXXX years of unsuccessful attempts. 
In XXXX I made a lump sum payment to bring my loan current. Wells Fargo did not apply that renovation loan money to my past due. Nor did they inform me how the XXXX would be applied. After XXXX  years of disputing the issue, they agreed to reinstate the loan. 

Yet they never waived the penalties or interest ( ALL CAUSED BY HAPPILY TAKING MY XXXX, yet applying non to my past due balance ). 
I have made on time payments again since XX/XX/XXXX. 
As of XX/XX/XXXX Wells Fargo has taken the unpaid months and added XXXX to my principal balance. 

All of the fees for the XXXX years should be waived due to their error. Should also be waived for they never wanted to reinstate the loan during the XXXX year ( XXXX ) time frame. 

Reasoning is I own in a Gentrifying zip code. my property value has shot up XXXX in XXXX years. I have news articles if the large parcels being assembled in my area and sold to a specific individual. It was developer XXXX XXXX who brought a legal case, that shed light on the matter. Because he was promised the foreclosure lots/homes/parcels, and they were given to someone else. 


I am asking that these XXXX years of fees/penalties/missed payments, are not added into my principal XXXX months after this matter was supposedly settled. 

I am also asking to be compensated for I have read Wells Fargo has settled a CFPB case and individuals who were financially harmed would be made whole. 

All of this started when Wells Fargo Emailed me that there Renovation department was closing and the money I had not yet used, would be taking back. 
This is Renovation money for a Primary Residence I can still not live in to this day. 

These situation on a whole has ruined my credit, and I can not finish my home. only pay the mortgage. IF there renovation department didn't close, I have been wronged.