23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Prior to buying my house on XXXX, XXXX, 2013, my rate was locked in at 3.80 % with Wells Fargo. I bought a XXXX XXXX XXXX XXXX home, and only needed to put 3 % down. With all said and done, I ended up walking away with {$890.00} at closing for credits and other items. 

As my closing date got closer the mortgage agent kept increasing the rate because of numerous reserve requirements and fees. One increase for .125 % was for a reserve requirement that was supposedly short by {$110.00} that they would cover and increase my mortgage rate. I asked if I could go cash my change in at the bank and deposit it to cover it, and he said no as he needed a monthly statement showing the amount and would not have time for next months statement before closing. Incidentally, .125 % at the original {$160000.00} mortgage for just one year is {$200.00} in interest. There were a few other reasons, but at the moment do not remember all of them. Nonetheless, I felt pressured into saying yes to the increases or I would not get the loan. At closing the interest rate was now 4.25 % with all the extras he " had '' to add on.

Then, when closing day came around, the agent and the underwriter were both hard to get a hold of, and we had to push closing back two different times. Finally, on the 3rd try, we signed and reviewed the papers in 30 minutes, as Wells Fargo notified us at XXXX that the papers were finally ready, which left little time to get the lawyer and title company sufficiently ready. It gave me little time to double check my mortgage or even question anything. As a first time home buyer, I felt as if I was taken advantage of. 
With all said and done, I ended up walking away with {$890.00} at closing for credits and so forth, which made the interest rate increase seem even more suspicious. The whole process seemed somewhat abnormal, and feels like it was predatory lending now.
Product: Debt collection

I never got all the bills when i did i paid has fast has i could. i paid the bill in full the collection bureau services inc. XXXX XXXX . claims i did not pay fast enough so they claim i have to pay over 1.000.00 in interest fees on a XXXX doctors bill. I filed a dispute no one paid attention I even offer to pay good will payment till we got it cleared up they just took all my money out of my bank account left me whit o taking all my food money gas money and my house payment they are not to take every cent from someone fair dept collection practice act 808. c15 usc 169zf or 2f thank you i will call them monday and ask for my money back so i have some food thank you.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corporation Balance : {$32000.00} Issue : Open and past due status reported inaccurately.
Product: Checking or savings account

Wells Fargo closed my personal checking account on XX/XX/22 for reasons they described as a suspected fraudulent activity. Wells Fargo claimed a recent transaction which had been credited to my account was unauthorized and had to close my account as part of its policy. I immediately got into contact with them and tried to explain the situation and why I believed it was not a fraudulent transaction but all my efforts were in vain as they still insisted on closing my account. I was told I would receive a cashiers check in the mail for my remaining balance which was a little over the {$5000.00} at the time. 
I waited for 30 days, called them, and they claimed they were still investigating my account and that it could take up to 60-90 days to be concluded. I waited 60 days, then 90 days and called them again but this time they claimed my funds " were not payable to me ''. I asked to speak to a manager or anybody of higher authority and I was told my funds were not payable to me because there was no trace of a direct deposit to fund the account to prove I worked for the money I have in my account. I tried to explain to them again that I was only an XXXX XXXX and that I was not permitted to work. Therefore I am financially sponsored by my sponsor, family and family relations whom whom usually transact money to my account through XXXX, XXXX XXXX and other means which is why my account is dominantly funded through XXXX and XXXX XXXX transactions but they wouldn't listen. Its been over 21 months and I still haven't received the money I had in my account at the time of closure. To resolve this, I would like my balance of over {$5000.00} to be mailed to my address immediately as initially promised by Wells Fargo bank.
Product: Debt collection

XX/XX/2023, mail was received to an old address from XXXX XXXX showing tests that were done that I wasn't aware that I was being tested for. The first time seeing the doctor I informed him that I didn't want to do a XXXX and he asked why and I told him that's just my preference. He first did XXXX XXXX  since I was complaining of XXXX XXXX XXXX XXXX XXXX  and he sent over some prescriptions. He had me do a XXXX XXXX XXXXXXXX XXXX  and when the results came back I was the one who contacted him and asked him why didn't he contact me since he got the results back and i knew this because I signed into my online portal. The secretary told me when I called that I should have scheduled to speak with the doctor ( XXXX XXXX XXXX ) about my results and I asked her why didn't she or him called me to discuss the results and that's when I went back to see him. He kept persuading me to schedule a XXXX and I took the referral to go to the referring location but I called them and canceled because I had told him before I didn't want to do a XXXX. I had to call my insurance for them to file a claim about the XXXX XXXX  procedures that he referred me to do and I didn't do them since I had canceled the appointment and my insurance tool care of the issue and said I owe them no money. I have recently been given new mails showing that I did another XXXX  XXXX  in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which I'm being billed for when I canceled my appointment and never did any of those tests. After the insurance was on a 3 way call for the first claim with the secretary, she told me and my insurance agent that I now owed nothing but I'm still being billed for things I didn't do or wasn't seen for. I called the XXXX  and tried to explain but haven't gotten anywhere and also the XXXX  I saw but he is still insisting that I was seen for those tests. I have done my review and saw where other people are complaining about the same issue so is this a thing? I want this to be over with.
Product: Student loan

In XXXX of XXXX, I applied to consolidate my student loans with my current servicer, FedLoan Servicing, in the hopes of lowering my monthly payment by rolling my loans in together. I requested to remain in the REPAYE program and chose that program option. On XX/XX/XXXX, I received notice that my consolidation was complete and my payments were going from {$280.00} to {$580.00} a month. On XX/XX/XXXX, I called FedLoan because I could not afford that payment. I first spoke to Operator XXXX, XXXX. She asked me a couple income questions and said she couldn't help me and transferred me to Operator XXXX, XXXX. XXXX asked me the same questions XXXX asked me and said she couldn't assist me but maybe the consolidation department could. I was then transferred to Operator XXXX, XXXX. XXXX asked me the same questions XXXX and XXXX asked me and concluded he could not help me either. I explained to all three Operators that I could not afford a $ XXXX   monthly payment, it was impossible for me but I could manage the {$280.00} payments I had been making. XXXX then told me my only option was a deferment or forbearance. I told him I did not want to stop making payments on my loans. XXXX again said there was nothing that could be done to help me and, basically, it is either make the payments or go into deferment or forbearance. I relented and chose the forbearance with the intention of making monthly payments I could afford. After researching what could have possibly caused this issue, I found that because I signed for a Parent Plus loan for my son, it made me ineligible for the REPAYE & many other repayment options. That fact was never disclosed to me during my conversations with the three Operators on XX/XX/XXXX. I would never have included the Parent Plus Loan in my consolidation had I known the outcome would be a $ XXXX  monthly payment. I was asking what changed and why my payment doubled but not one person explained what happened or tried to assist me. I should not be forced into forbearance when I'm simply trying to pay off my loans.
Product: Student loan

I am in the process of buying a home. I have spent approximately XXXX plus hours since XX/XX/XXXX to date on waiting times, speaking to representatives, and supervisors. I have requested they place me on the PAYE IDR Plan so I may begin to pay my student loans. I have been calling to get this matter resolved 3-4 times a week ( more than 1 call a day ) spending several hours each time. I have submitted all my income documentation per their request, I have given them all the information they need. I continue to get the runaround and many times the representatives mention they're in training. Each and every individual I speak with gives me different information each time. I've been told by multiple supervisors that my file is being escalated and it will be resolved within 5-7 business days. This has been false information after false information. I can not begin to explain the amount of notes that have been placed in my file, the countless hours spent, just to repay my loans. I have received a cost estimate already for the PAYE IDR Plan and all my documents have been received by Mohela. There is a great need for training. My situation is not getting fixed and I continue to get different information every time I call. I have explained that I can not close on my home until they update my IDR Plan, I have explained they are accessing a $ XXXX diem fee every day I don't close since I was supposed to close on XX/XX/XXXX. I have been relentless in trying to get them to put me on this plan. I am literally asking to pay my loans! To be placed on the plan I've asked over and over again. I don't know how much more I can take of this. At this point I am calling daily and nothing changes and I am sent to a voicemail box, because that's the only way to get a call back from a supervisor. This has been the worst experience in my life. A complete nightmare! Please help me. This servicer should be investigated for their lack of work ethic and lack of experience, especially when dealing with student loans. I need to be placed on the PAYE IDR Plan immediately and begin repayment so I may close on my home.
Product: Checking or savings account

I deposited a check on XXXX, I contacted the bank and they stated they could remove a hold if they verified the maker. I contacted the bank on XXXX, they stated the funds will be released on XXXX. On XXXX they stated they could not verify with the bank to call back. On XXXX I called the person said he would call. The loan financial company was closed at that point and could not verify it. They told me to call on XXXX and they should be able to call during business hrs. On XXXX I called chase and was told they were not going to release anything, that there is nothing I could do. The decision is final. Mind you, XXXX was never released at any point. The other issue is that, they said it was flagged. I obtained proof from the bank the check was from, showing the check cleared on XXXX. It is now XXXX and they will not release the hold until XXXX. I have done everything to verify it to have it released. They held the check in the entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my Experian credit report recently, XXXX XXXX bankruptcies filed using my identity & personal information. identity theft. XXXX is the furnisher of information for Experian, whom verified. XXXX verified XXXX  XXXX bankruptcies are verified accurate. Bankruptcy case numbers ( XXXX & XXXX, XXXX ). Experian investigation results determined XXXX  XXXX case number XXXX, was not confirmed, do it was deleted. XXXX, have provided me with 2 bankruptcy removal letters, removing XXXX  XXXX bankruptcy cases ( XXXX & XXXX, XXXX ). This information was also removed from my disclosure report. I notified the furnisher of information XXXX, I was a victim of identity theft, and provided the necessary required information to XXXX. 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

12 CFR 1022.123 ( b ) ( 1 ) ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

12 CFR 1022.82 ( d ) ( 2 ) ( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; 12 CFR 1022.130 ( b ) Associated consumer reporting agency means a consumer reporting agency that owns or maintains consumer files housed within systems operated by one or more nationwide consumer reporting agencies.

Appendix A to Furnisher Rule Part 660 implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are inAppendix A to Furnisher Rule Part 660.

Appendix A Your policies and procedures : should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle.Furnisher Rule 660.4 ( a )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint.I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected.The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XX/XX/2020 beyond 30 days and I haven't heard anything from XXXX, XXXX, or Experian in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.
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 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Equifax had a security breach where my information was leaked
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have sent Equifax multiple disputes questioning the certifiable compliance of an account on my Credit report called XXXX XXXX, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two XXXX XXXX accounts deleted, and two duplicates of each account reporting on my credit report.
Product: Debt collection

XXXX was suppose to keep one line active do I can make payments rd on lease phone. After verification they shut my account and sent me a bill and. I called to discuss use and made a payment and advised I could not pay upfront over XXXX dollars and made a payment and agreed to make XXXX  month until paid. Kept making payments and had one last payment and going out it was given to collection and seen in my credit report. Collection never contacted me and thought I still had agreement with XXXX and collection refuses to take off of my report
Product: Debt collection

On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times calling and mailing transunion, XXXX and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
Product: Credit card or prepaid card

The card was sent to me by XXXX as a refund after closing my account ( roughly {$82.00} ). When I received the card I found that it had already been fraudulently used and only had a XXXX balance left on it. After repeated attempts to contact the company listed on the card by website or phone ( very difficult to contact by either method ), I finally talked with a person. They sent me a complaint /fraud form via email and also sent me a new card with XXXX balance telling me it would be refilled upon the completion of the investigation. I filled out the forms and mailed it to them by XXXX. After around 40 day I called and again finally was able to speak with someone and I was told they never received my mailing? I once again filled out the forms and mailed the forms to them. I called after a few weeks to verify they received them this time. I was told that they had not received the forms! I waited until today and tried to contact them again and all I got was an extensive music hold with no contact. Their website would not connect. I feel that this has become quite a scam! This started in XXXX