23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Wells Fargo makes it complicated and inconvenient to defer student loans with forbearance if you go back to school. You have to call them for everything unlike federal loans where you can do it online to " maintain '' or " manage '' your account. Unlike federal loans, Wells Fargo is a tedious process which requires signatures from school officials, and such forbearance form does not even guarantee forbearance because you have to continue making payments until the forbearance is approved. In order to get a forbearance because I am going back to school, I have to print the form ( cost time and money ), then fill out the form and get the signature from the school ( cost time and money ), and then mail or fax it back ( cost time and money ) and continue payments until approval ( cost time and money ). This is how they are also maximizing fees and payments if borrowers do not make payments because they are in school waiting for an approval, and are not able to work full, part, or on a contractual time. Wells Fargo has not improved in servicing borrowers so that student loan borrowers can manage or maintain their accounts.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX is reporting on my credit report. According to IRS publication Topic no. 431, Canceled debt Is it taxable or not? States : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. 

A charge off is considered income by the IRS and income can not be reported on my credit report. 

Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This charge off displays under Equifax reporting system only.
Product: Debt collection

I recieved a letter regarding this debt and then I responded that I am unaware of this debt nor is this debt mine. I then recieved a credit report with once again my score lowed. This debt as I explained to this company is not mine, I have never been to this place and I live in another town/county as they are saying this debt is owed, I never even recieved a bill regarding this debt if I did owe it, I recieved a letter and I replied and then few weeks later it is added to my credit report. Again, this debt is not mine and they need to verify accuracy and name before sending owed bills to myself.
Product: Bank account or service

On XX/XX/2016 unauthorized transactions was on my account. File complaint with claims department of chase. Call police department after getting home from work. File report with XXXX County police XXXX XXXX. Went to bank file complaint of unauthorized chargers on account. Temporary credit was given. Thought problems was resolved. On XX/XX/2016 XXXX chargers was place bank on account stating that there was no evidence of fraud. Sent more documentation to claims department, Bank refuse to credit account.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing With Early Warning System and XXXX XXXX XXXX  regarding this account being reported on my account. I have asked for them to validate and verify the disputes I have been sending and they have failed to acknowledge the disputes. They answered that the account had been verified but they failed to show me how they had verified the account, they have not shown me any documentation which they ledge that I have open. 

They replied that they stand on their original decision that the account belonged to me. I have also filed an FTC report regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. 

Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & US DEPT OF EDUCATION XXXX
Product: Mortgage

I have been trying to receive mortgage assistance with Suntrust bank for the last few years I have summited numerous time just to be denied for various bogus reason. Most recently I submitted for modification help just be to be denied, per the denial letter the lender claims the investor declined the modification because the payment would go up instead of down this forced them to deny my case for mortgage help. I'm currently sitting on a 6 % interest rate and I feel the lender has plenty of options when it comes down to helping me with my case. I feel since the interest rates are at 3 % in todays current market there should be plenty of ways to reduce my mortgage even my reducing my rate, extending my mortgage terms and even placing the amount I'm delinquent toward the end of the loan to allow me to get current. I fee the lender is more interested in taking my home rather than helping. I have plenty of income available and can afford for my payment to increase. Please look into this matter for me and help me with Suntrust. In addition on the denial letter attached dated XX/XX/2021 it says they have provided me the XXXX result for me to view but when I spoke to the lender they stated there is no XXXX result to give.
Product: Credit reporting, credit repair services, or other personal consumer reports

from XX/XX/XXXX to XX/XX/XXXXmy current Landlord of nearly 9 years at XXXX XXXX in XXXX Michigan, have over 9 judgements on my Rent grow tenant report. i disputed this with rent grow on XX/XX/XXXX, they informed me the info was provided to them by Transunion screening service at XXXX XXXX XXXX. After contact Transunion screening service i found out that they were also showing that i have 3 open accounts that they added to the dismissal log on my report told me to call the 47th district court at XXXX XXXX XXXX to have them deleted i called left a message on the courts voicemail, no reponse.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX FXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX dealership to see what my options were for trading in my vehicle. I was told that only a couple of banks would be checking my credit to see if i am approved. The dealership never mention I would have over 30 inquires on my credit. They never asked for my approval. Throughout my conversation with one of the salesman from the dealership he say bank, assuming 1 or 2 banks. Not 30
Product: Debt collection

I received a call from a phone number that showed on the caller id as XXXX XXXX XXXX XXXX XXXX Hospital today around XXXX XXXX CST XXXX. The lady had to look up my name to see why they called me. She told me that I had a debt from ACE Cash Express from XX/XX/2011 and that they have me on Video Surveillance Cashing a check. She said that a recent NCIS check found that I had no criminal history and that this would change if I didn't pay the debt. I asked her why her phone number said XXXX XXXX. She said that maybe XXXX XXXX previously had that number. I told her that I wanted to call ACE myself to verify and she urged me not to do that because I wouldn't get the chance to pay if I didn't do it right now. I continued to question her and she got even more aggressive. I then disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax customer service several times to resolve the fraud issues with inquiries on my credit report. There was an fraud placed around XXXX XXXX and one had been on there before that. Due to all the data breaches the company has had. My information is on the XXXX web and someone had used my information to open an bank account and tried to get credit cards and vehicles in my name. I tried to get the inquiries removed but I was being given a hard time and I faxed over fraud records but nothing happened.
Product: Debt collection

Please help assist me with an account that is listed on my personal credit file which I have disputed and requested validation and nothing. This is an unknown account as I have never done business with a company called EOS and do not have any outstanding amount owed. Please help
Product: Debt collection

I don't know balance is {$160.00} obviously this is from the security breach identity was stolen in
Product: Credit reporting or other personal consumer reports

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely XXXX  me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, the registered agent of XXXX XXXX XXXX XXXX, is violating consumer Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference is showing a credit card with a balance of {$13000.00}. 

This information is inconsistent across ALL XXXX credit bureaus, XXXX, Transunion, and XXXX. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History Furethermore a charge off may not report a past due balance under fcra laws. 

There is more than sufficient evidence on my report of negligence to the Consumer credit laws. Furthermore I have already disputed this account which XXXX XXXX has verified as reporting accurately. Let it be known you are now WILLFULLY violating consumer credit laws, which carries a greater penalty under law.
Product: Debt collection

In XX/XX/XXXX, I contacted Financial Control Services about accounts on my credit report. A trade line in the amount of {$840.00}, an account which was paid in XX/XX/XXXX through a settlement from an automobile accident, reflected as a collection account. This account was settled in XX/XX/XXXX by the attorney that handled my case. The trade line continues to reflect on my credit report, The company still has not removed the trade line from my credit report.. The line should be deleted from my credit report as this should have never been reported as a collection account. This has damaged my creditworthiness since XX/XX/XXXX. 

Additionally, this company also reflects other accounts I have no knowledge of. Therefore, on XXXX XXXX, XXXX, I mailed a letter to them requesting verification and/or proof of debts showing on my credit reports as being owed by me. To date, they have refused to provide me with proof and the company has refused to delete the trade lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following 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: Checking or savings account

Charging overdraft fees when my account showed I had the funds available : Inaccurate 'Available Balance ' reporting has led to overdrafts on my checking account with US Bank twice now. Most recently, I received a notification today ( XX/XX/12 ) that my account was {$120.00} negative due to 'holds or other adjustments. ' I check my available balance almost every day. Even considering all pending transactions on my account, my available balance has shown to be roughly {$80.00} or more for over a *week*. The app literally shows the updated available balance under each pending transaction while they're still processing so you know how much you'll have once they clear, and I was nowhere near negative. Two small charges ( totaling less than {$40.00} ) went through today and suddenly my available balance was - {$120.00}, when no other charges had been added since yesterday, when the balance was showing to be well above {$40.00}, even with pending transactions. Today, all of the numbers showing my available balance after each transaction are significantly lower than what they were while those charges were pending. I am also not aware of any holds on my account/card and have no clue what 'adjustments ' would apply or have caused this, and I have no clear way to find out. 

Either their technology is malfunctioning, or they are intentionally manipulating available balances or transaction processing to mislead customers and result in overdrafts so they can profit off the fees. Their overdraft charge is {$36.00} per transaction, which means they'll now charge me at least {$72.00} in overdraft fees due to inaccurate/misleading account reporting- on top of the {$120.00} they say I overdrew, despite my account being nowhere near negative when I checked it last. Which means {$200.00} less from my next paycheck that I'll have to put toward bills and groceries. 

Given the impending recession, this seems especially heinous and worth bringing to an official 's attention. This is, at best, a serious error in their app/online banking, and, at worst, a malicious attempt to wring as much money as possible from the rapidly-shrinking pockets of everyday people.
Product: Mortgage

I read if you had a Wells Fargo Mortgage account between XXXX thru XXXX If you had a Wells Fargo account anytime between XXXX and XXXX, you XXXX be owed some money. 

The financial services company reached a {$3.00} XXXX settlement late last year with the Consumer Financial Protection Bureau after the agency took action against them, saying they broke federal consumer protection laws in regards to auto loans, mortgages and bank accounts. CFPB says their illegal practices included misapplied payments, wrongful foreclosures and incorrect fees and interest charges. 

As part of their settlement, CFPB has ordered Wells Fargo to pay more than {$2.00} XXXX to customers who were harmed, plus {$1.00} XXXX to the victims relief fund.
Product: Mortgage

I applied in 2009 for a loan modification. Due to my XXXX mother being moved in with me, I also had XXXX & was out of work for XXXX weeks. Then when I went back to work all of my overtime was cut off. I had been getting overtime for 10 years. 
I was told I qualified for the modification & every few weeks I had to resubmit my bank statements, paycheck information etc. I did everything exactly as Wells Fargo requested. When I called once again to check status I was told I qualified with the exception of not missing a payment. I said so in order to get the modification I have to stop paying. She said yes so I stopped. I continued to send in the documents as requested. Then I was told we will not be able to do the modification. 
I lost my home that I had put over {$30000.00} down on. I think it was {$35000.00} but not positive. 
I was told to move out & pay the HOA a ridiculous amount because they claimed they had put down new pine straw & edged flower beds every week. That was obviously not true. However Wells Fargo said do that and I did. 
I just received a letter with a {$200.00} check enclosed stating " during a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for {$200.00}. '' I called and was told that I should have received a letter about the remediation but I did not get one.
Product: Mortgage

This is my third complaint against Ditech. I believe they are committing fraud and everyone should be aware of this. I 've called many times to have my account adjusted and either they would make excuses or put me on hold and then hang up on me without returning my phone calls as they said they would. Every month I make a payment to them on a timely basis but I receive an email confirmation with a different amount. When I call them for an explanation they are very evasive and do not have a direct answer for me. Why is my account number on the website different from the  Modification Agreement  account number? I believe they are moving money around the accounts to cook their books, just like   XXXX   XXXX   XXXX   did and Green Tree Servicing. This needs to stop. I will continue to file complaints against Ditech until this is resolved.  Ditech  should not just be sending in a letter to the Consumer Financial Protection Bureau that my account is being rectified because that is a complete lie. How do I know if all these payments that I 'm making every month is going towards my mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I'm writing this statement without any influence from any third party. Please see the attached documents and ID. It contains my full complaint and request regarding Experian. 
As I have sent an Affidavit of Truth to General Counsel : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX
Product: Debt collection

DCI ( diversified collections ) add a collection to my credit report in XX/XX/2019 in the amount of {$30.00}. For XXXX XXXX XXXX. 

Ive waited till now to see if they actually send me valid information via the mail as to this debt. An they have not sent me anything stating why I owe this. 

XXXX XXXX XXXX I contacted at & t personally and they have no record or account with them that has a debt balance of any kind.
Product: Debt collection

This company has repeatedly called my phone at least three times a day. I have had to block calls just to get them to stop. No messages left. Just keeps calling with the intent to harass and intimidate people. I looked up the number and found it was EGS Financial Care , Inc., also known as XXXX who has been sued multiple times for harassment by people. They even have called after XXXX at night. Again no message but looked up number and matched them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. XXXX XXXX  XXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX, date opened XXXX XXXX. Original Creditor 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. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX  with no successful resolution. There was definitely an error on their part.