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

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} MI XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Hard Inquiries to Be Removed : Experian Hard Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX TransUnion Hard Inquiries : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write in response to Wells Fargo 's reply to my complaint regarding my Wells Fargo application XXXX and CFPB Case No. XXXX. I consider the company 's response to my query very flimsy and good for nothing because they tried to cover up an unfair business practice of not catering to the needs of their valued and poor customers who entrust the safe keeping of their their meager financial resources in their care.
For instance, Wells Fargo 's response states : " When this application was processed no information was obtained from an outside source other than your credit history from XXXX. '' Nonetheless the company failed to inform the CFPB that over the years I improved my credit score and have the following scores with the three major credit bureaux in the country : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). That said, the company should have at least given me a chance with a credit line to show good faith in a valued customer but Wells Fargo as usual discouraged me and was unfair in its judgment.
Furthermore, I want to bring to your attention the flimsy excuse from Wells Fargo in the last paragraph of page one of its response to my previous complaint that reads : " Also, we are unable to speak for other financial institutions regarding their underwriting criteria ''.
The statement above speaks to the fact that Wells Fargo, unlike other financial institutions in the United States that are customer-centered, it lacks the capacity to give its striving customers a chance to improve their livelihood but is only an exploitative profiteering financial institution that sucks the blood of poor people to enrich themselves at the expense of their customers.
I assertively say this because other financial institutions ( like the XXXX XXXX XXXX XXXX, for instance ) are making genuine efforts and headways to create an enabling financial environment to improve the livelihood of their valued customers. Whereas, unfortunately, Wells Fargo is only interested in suppressing its customers. The fact that I have a personal and a business account and my wife has a personal account with Wells Fargo shows the level of commitment we have to this institution. Hence, to verify that they could not give us a single break of a {$5000.00} loan warrants the imposition of stringent financial fines on Wells Fargo for unfair business practices.
In view of the foregoing, I request that Wells Fargo be thoroughly investigated and fined for unfair business practice.
Sincerely, XXXX XXXX XXXX, Sr., Ed. D.
Unsatisfied Wells Fargo Customer
Product: Student loan

In XX/XX/2022, I spoke to a really nice representative at Sallie Mae asking about why one of my student loans suddenly came out of deferment. I am still in school and was under the impression that the loan would be deferred while I was still in school. The representative was understanding and informed me that there is only a 48 month time limit on deferment. 
She also indicated that if I pay 4 months or 4 payments, I will be eligible for assistance with my loans. 

I did that and contacted them last week. We went through a financial statement where they went over the expenses. They stated that I was in a negative cashflow, which I already knew and why I was asking for help. They went through the same process with my cosigner, my mother, who is also struggling at the moment. Their only solution was to get someone else to guarantee the loan when they are helping me. This made absolutely NO SENSE and infuriated me. Essentially they are trying to rope someone else into the situation so that they can sue someone else and ruin their life as well as mine and my mother 's. I was NOT told that this loan would only be in deferment for 48 months. The initial loan was very small and has ballooned to a ridiculous amount. They amortize the loan in such a way that the interest is ridiculously high and then play these political games to place blame on the student for not knowing better. This is predatory and victim blaming. They are legal loan sharks that the government has allowed to oppress and entire generation of students and we wonder why there is so much economic distress in this country? The people who need student loans are not people who have money. They are people who are trying to improve themselves and go through school. I am not lazy and am working 3 jobs while going to school full time. As a non-traditional student, I have expenses above and beyond traditional students. This experience is hard enough without having to have loan sharks breathe down my neck. The current representative that called took what I said about their predatory practices and then blamed me for signing for the loan. I know I am in financial distress, they have told me that they would rather me go bankrupt than help me unless I give them another person to harass, and now I have to deal with their unscrupulous and brainwashed representatives that just push their threats onto me. I do not understand how this practice is legal. When they promise help, all I wanted was for them to have me pay {$50.00} instead of {$110.00} per month. I am supposed to graduate next summer so we are also not talking about a large amount of time. The way they do business is " legal '' because the lawmakers have lobbyists lining their pockets with money. This is unacceptable to have conditions for people who are in temporary financial distress, thereby ensuring that myself and my family will be harmed further because of their practices. They need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX  XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX  on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX  XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Checking or savings account

XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX  CHARGED ME/MY ACCOUNT THROUGH CHIME BANK FOR SERVICES THAT WAS NEVER RENDERED I DISPUTED IT WITH MY BANK AND STATED TO THEM OF THE INCIDENT AND THE FUNDS WERE NEVER RETURNED MY DISPUTE WAS DENIED THIS HAS HAPPENED SEVERAL TIMES WITH MY DISPUTES THROUGH CHIME BANK
Product: Credit reporting or other personal consumer reports

INCORRECT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I call Optum Bank the bank provide the card I put every monts many in the card my company I work put same many but I call the bank I see transaction suspicios and the bank say the bank reemplace card this accion i do 3 mont ago end recibing card the same nomber have complain in i call secontime say the card is the same i have and bank say make mistake end resend new cards but the no recibing card and tray to speack againg no attended not have nating information and close my account and have many in the card i dont no wats i need to do thank you. I am sory for my Engles.
Product: Credit reporting or other personal consumer reports

Inaccurate Reporting : A judgment was included in my LexisNexis Accurint report, which was used by a mortgage company to delay my home closing. 
This judgment is inaccurate and does not align with the court records it is purportedly based on. 
2. Discrepancies Between Reports : Initially, multiple LexisNexis representatives confirmed that this judgment was only on my Accurint report and not on my FCRA-compliant file. However, when I spoke to a manager ( XXXX, ID XXXX ), he stated that the judgment was on both the Accurint and FCRA reports-contradicting the earlier information provided by other agents. 
3. Failure to Verify Information : XXXX admitted that LexisNexis does not verify the accuracy of the information they report unless a consumer disputes it. This means they did not confirm the validity of the judgment before it was added to my file, which has caused me significant harm. 
4. Misalignment with Source Records : The judgment in question does not align with publicly available court records from the civil court that supposedly provided the information. The court records clearly show that the judgment was for possession and not for eviction, yet LexisNexis inaccurately reported it as an eviction-related judgment. 
5. Impact on Me : Due to this inaccurate reporting, my mortgage application process has been delayed, and I can not close on my new home as planned. 
This has caused me financial and emotional distress. 
1. Immediate Removal of Inaccurate Information : LexisNexis must remove the judgment from all reports ( both Accurint and FCRA, if applicable ) as they failed to verify the information before reporting it. 
2. Explanation of Verification Procedures : LexisNexis must provide a detailed explanation of how they gather, verify, and ensure the accuracy of data before adding it to consumer reports. 
3. Compliance Review : A review of LexisNexis ' compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, as their admission that they do not verify information before reporting raises serious concerns. 

I have contacted the civil court that supposedly provided the information, and they confirmed that there was no writ of eviction and that the judgment was related to possession, not eviction. 
LexisNexis has been inconsistent in their communication, with representatives providing conflicting information about where this judgment is listed ( Accurint vs. FCRA report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX & XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX Balance XXXX {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Checking or savings account

My account was compromised. XXXX $ from a company called XXXX XXXX XXXX  overseas.. the bank gave a provisional credit and said they say there was an error and the provisional credit was final. Then reversed the credit and took the money back
Product: Checking or savings account

Capital one has not loaded my direct deposit that I should have received yesterday. I have bills that need to be paid and I have not received a timetable when funds should be available.
Product: Credit card or prepaid card

Capital One marked me as 60 days late when I called them and paid off the past due amount that was charged to me for an annual fee. They assured me they would take the late payment off since it was an error but my credit score dropped XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.
Product: Mortgage

XXXX years ago, XXXX XXXX XXXX sent me an invitation to take out a no-income, interest only {$100000.00} home equity line of credit. I had just moved into a new home and I had several projects that needed to be completed so I accepted the offer. I used part of the money on the house projects and the other portion of the {$100000.00} I kept as emergency money. 
As it happened, the economy collapsed due to the mismanagement of the XXXX sector and I lost my job. I was thrown into this terrible job market and I could not find work. I used the rest of the home equity line of credit to pay my bills and to not default on my mortgage. I have gone through XXXX lay-offs in the last XXXX years and I have completely exhausted my home equity line of credit and I have been on a forbearance program. 
I am re-employed again with a strong company and I am trying to get back to good financial health. XXXX XXXX XXXX has been great. They gave me time to find a new job before they foreclosed on my house and they have given me a loan modification for which I am truly grateful! However, XXXX/now Quicken Loans asked me to send in a enormous amount of information, but they have done almost nothing to help me cope with the large increase in payments. Previously, I paid XXXX/Quicken Loans approximately {$240.00} a month in interest. After XXXX years, the loan no longer stays as interest only, but converts to a regular loan so my monthly payments went from {$240.00} to {$640.00} and now that my forbearance period is over, they want me to pay {$970.00} a month. The adjustment happened just when I experienced my XXXX lay-off when XXXX XXXX XXXX Mortgage moved all of our XXXX down to their XXXX, NC site. So at this time I have gone through {$30000.00} of my savings and I have exhausted my home equity line of credit. 
I do want to pay back the loan, but I am not making what I once did so I can only afford approximately {$400.00} to {$450.00} a month payment over the life of the loan and I need to be on a fixed interest rate or I could be in trouble if interest rates skyrocket again. 
I believe my $ XXXX {$640.00} payment is totally unaffordable. I thought there was some consumer protection where your loan could not rise so dramatically from {$240.00} to {$970.00}. 
DESIRED RESOLUTION : I do so need your help in working with XXXX/Quicken Loans to find an affordable way to pay back this loan and keep my payments in the {$400.00} to {$450.00} range. Thank you!!!
Product: Debt collection

I had an alarm service contract with XXXX in XXXX XXXX. They used XXXX  to provide the service. In XXXX I stop receiving the service. When I called XXXX  I found out they changed names to XXXX XXXX XXXX. I told them about the problem and they were not able to find my account. They found an old one ( many years back ), but never my current one. 
Since I was not receiving the service for about 8 months already and my account was no where to be found in order to cancel it, I asked the back to stop making the automatic payments. When the bank did so, XXXX XXXX contact me and told me I owed them that money that the bank didn't pay at my request. I told them about the situation and they said that i need to cancel in writing ( by email ) but first I had to pay everything I owed ( {$76.00} ). I paid the requested amount on XX/XX/XXXX. I then send the cancellation email and XXXX XXXX responded that the written cancelation was received. The account was then cancelled. 
Several months later I see that I have a collection agency, Mountain Run Solutions, impacting my credit report with charging me {$330.00} from XXXX XXXX. When I called they said that I didn't cancel in writing. My bank was making the automatic payments until the end. I payed what was requested from XXXX XXXX to settle my account and cancelled it. 
I have called XXXX, XXXX XXXX and Mountain Run Solutions ( the collection agency ) and non of them can help me they say. I am contacting CFPB, since I don't think this is a legal practice. I looked online and there are a lot of people just like me that this appeared on their credit without any notification first. 
Neither XXXX XXXX, XXXX, XXXX nor Mountain Run Solutions sent me any invoice of notification of charges before impacting my credit negatively. To me this is not fair nor legal.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX