23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX currently have a modification/forbearance agreement with Wells Fargo Home Mortgage. The original loan modification began on XX/XX/XXXX which I maintained compliance in making monthly mortgage payments. My income was reduced following my retirement in XX/XX/XXXX but I continued paying all mortgage payments until hardship from a fixed income began to incur in XX/XX/XXXX. At that time, while I was still in my modification agreement, I requested mortgage assistance from Wells Fargo Home Mortgage and was approved for a forbearance agreement on XX/XX/XXXX for twelve months that ended XX/XX/XXXX. Now that I am fully retired and not currently working and I need to readjust my mortgage payment, Wells Fargo is forcing me into a short sale on the property as my only remedy. My true intent is to keep my home and I am struggling to do that following the forbearance and furthermore, I believe this is form of discrimination. I know that Wells Fargo is definitely in breach of the contracts. They are intentionally taking my home ownership rights as well as my due process and I am asking for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Inquiry details XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found that there is an error in the following item : 1 ) XXXX  ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XXXX XXXX ( Charge account, Opened XXXX XXXX, XXXX ( 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 44 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 44 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Product: Debt collection

All Tran financial Called and told my family member to call them and told them how much I owed. They violated my confidentiality by tell other people how much I owed.
Product: Credit reporting

Note For CFPB rep : Although this complaint is the same as a prior complaint, I am including new information for Equifax. Due to the fact that Equifax is not required to respond to a Disputed CFPB case and the dispute does not allow for the upload of additional information I ask that you please process this as a new CFPB complaint. Thank You. 

For Equifax : On XXXX/XXXX/2015 I submitted a CFPB complaint with Equifax, hoping it would lead to an " Executive Investigation '' rather than the typical investigation submitted through their regular channel as it is highly ineffective. My hope when submitting this " Executive Complaint '' was that I would be connected with a direct equifax case agent who would actually do their homework, and call the creditor in order to verify the claim that I made was accurate and correct my information as required by the FCRA. Unfortunately this was too much to ask for from equifax as equifax did the exact same thing they did when I submitted a complaint through the regular channel, absolutely nothing. In fact it was worse than nothing. Instead of verifying my claim with the creditor, they instead chose to take time out of their day to respond to my complaint by accusing me of making up false data and submitting unusable documentation from " Some Law Firm '' as they put it in their response. Equifax also incorrectly stated my balance as being {$24000.00} when it is in reality {$0.00}. If they would have called either " XXXX '' at ( XXXX ) XXXX or " The Law Office Of XXXX XXXX '' at ( XXXX ) XXXX They would have seen that it was not a made up document, but a verifiable legal document issued by the attorney representing the creditor. Since picking up the phone is apparently too much work for equifax, I took the liberty of doing their homework for them. I have attached a document written by XXXX. XXXX XXXX, XXXX of the Student Loan Program for the New Jersey XXXX ( the Creditor ) stating that the loan has been paid off in full. I have also attached a previous document from XXXX which states the specific reason the payoff amount is higher than the amount listed with equifax which is the reason i 'm assuming is the direct cause of equifax taking the stance that the attorney payoff letter is not a " valid '' document. ( equifax 's credit record does not account for the attorney fees. ) If equifax wishes to verify the information for themself. They can contact XXXX at XXXX or contact XXXX at ( XXXX ) XXXX ( which is the number listed on XXXX 's webite ) and ask to be transferred to XXXX XXXX to verify the information I am reporting is correct. 
I just checked my credit report with Equifax last week, and they are again incorrectly reporting that I paid {$0.00} for the month of XXXX 2015. 
I have the documentation for a small claims lawsuit filled out for the amount of {$1000.00} in full at this point in time. If equifax chooses to respond with anything other than " We have contacted XXXX and have corrected the information accordingly '' I will be sending out the lawsuit and will gladly collect the {$1000.00}.
Product: Debt collection

Portfolio Recovery bought a debt I owed to XXXX XXXX. The last payment sent was to XXXX XXXX in XXXX. Portfolio Recovery has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XXXX, they are reporting I made a payment to them in XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XXXX!
Product: Checking or savings account

I had to deposit money into my grandmother 's account, held at Bank of America. I was told they can not accept cash deposit since I was not on her account. They did make an acceptation to " their rule '' because she is out of country.

The reason given to me for the bank 's decision to not accept cash deposits from non-members is to cut down on fraud and " its not traceable. '' I fail to see how discriminating against deposits will cut down on fraud when specific bills accepted at the teller are not accounted-for nor associated with my specific account.

How can a financial institute do business in our country and not accept the Federal Reserve Note, the legal tender for all debits public and private here in America, because its not traceable?

So is the true reason for the bank 's business practice just for the tracing of a person 's finances? Usable in a court of law? Who is our government working for, if not for its people?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FIND THAT CONTEMOPORARY INFORMATION CORPORATION IS STILL BEING WILLFULLY NEGLECTFUL IN PROPERLY INVESTIGATING MY CONSUMER FILE. 

I requested that it be forwarded to me any supporting or justifying documents Contemporary Information Corporation as on my file that ALLOWS THEM TO report this alleged eviction, as requested in my initial communication. This has been an infringement to my right to privacy.
Product: Credit reporting or other personal consumer reports

I am disputing an account on my credit report with XXXX that was opened when I was a minor. According to the law, minors can not legally sign binding contracts, which renders the contract for this account invalid. The account was opened in XXXX, and it was incorrectly reported as a valid account on my credit report, which has negatively impacted my credit history. 

I contacted XXXX on many times to explain that I was legally incapable of signing the contract due to my age at the time. On [ date of contact ], I received a letter from XXXX confirming that the account would be removed from my credit report. However, the account still appears on my Experian credit report. 

I have attempted to contact Experian to resolve the issue, but they have not yet removed the account, despite the confirmation from XXXX. I am requesting the removal of this account from my credit report, as it was opened when I was a minor, and therefore the contract is legally invalid. 

Additionally, I do not believe it is fair that I am being held responsible for this account, especially after making a payment arrangement in XXXX. The fact remains that the account was opened when I was a minor, which should have been properly verified before the account was reported.
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fee i have incurred. despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent cfpd finding against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On XX/XX/20, I deposited a check on my Bank of America checking account in the amount of {$3000.00} from a buyer via XXXX XXXX for piece of furniture ( asking price {$1000.00} ). 

I went to a Bank of America near my location and asked them specifically to verify the check. I also explained the situation to them and how I got the check from the buyer on XXXX XXXX. The Bank of America agent made me deposited the check to my checking account and told me to wait for the check to clear. 

The check was clear the next day by Bank of America. The buyer from XXXX XXXX asked me to send the rest of the money back via Check or XXXX. That's when I suspected the buyer as a fraud. 

On XX/XX/20, I observed a {$2000.00} transfer to random ( via XXXX XXXX ) that was pending on my Bank of America Checking Account. I contact Bank of America right away to disputed the transaction but was told by Bank of America agent to wait until the transaction was clear. I contacted XXXX XXXX via email ( no phone number ) to deny the transaction, but was told to contact local Law Enforcement. I contacted local Law Enforcement and they claimed the transaction as fraud and advised me to contact Bank of America in order to get my money back. I contacted bank fo America and they denied my claim two times. 

The check came back as fraud a few days later as well.
Product: Debt collection

I received a debt collection letter from Transworld Systems. They allege I owe {$61.00} in an account # XXXX. I do not owe this alleged debt. I called Transworld Systems to dispute this alleged debt and they were rude and hostile towards me and their agents hung up on me. They are flagrantly violating the Fair Debt Collections Practices Act with their hostile debt collection tactics. I do not owe them any alleged debt, nor do I want any further communication from them. I do not owe this alleged debt. Their debt collection tactics have cause me emotional distress. I do not want any further communication from Transworld Systems in any form.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX CA - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Student loan

I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As these inquiries were made without my authorization or consent due to the breach, I am exercising my rights to have them removed. 
The inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I my personal credit information was exposed in both of the XXXX  data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX  and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Consumer Adjustment Co ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Victim of identity theft I havent lived in Louisiana in over 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the following accounts prior to the release of my credit report from XXXX  and Transunion on XX/XX/XXXX : XXXX ( paid {$1900.00} on XX/XX/XXXX ) XXXX XXXX ( paid {$940.00} on XX/XX/XXXX ) XXXX XXXX XXXX ( paid XXXX on XX/XX/XXXX ) XXXX XXXX XXXX ( paid {$370.00} on XX/XX/XXXX ) Payments in the amounts listed above were not reported on my credit report despite them having been processed before the report was published. 

Furthermore, I made payments to both a collection account with XXXX and XXXX XXXX. IN, in the amount of {$510.00}, and to my XXXX account, in the amount of {$960.00}. Neither of these payments are reflected on the XX/XX/XXXX report. Although they were each processed prior. 

In total there are 5 payments that were made prior to XX/XX/XXXX totaling {$3300.00} and are unaccounted for on the report. 

Finally, I have made payments to both my XXXX XXXX XXXX and Michigan XXXX XXXX XXXX accounts that are not being reported. Even though the payments were made prior to the release of my credit report on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Santander ConsumerXXXX is showing on my credit report after it was paid and closed. It should not be on my report any more. I'm receiving calls and emails about a account that has been paid.
Product: Checking or savings account

XXXX XXXX Tried to open a checking account for my daughter at BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States XXXX XXXX processed to open an account but needed his supervisor approval. The supervisor is XXXX XXXX. 
XXXX XXXX denied our request for opening the checking account. She insisted seeing the original SSN card. We were not notified to bring it to the bank. Not mentioned at all by the bank when we were there making appointment on XX/XX/XXXX. Only asked for passport and a credit card. I offered to provide tax return documents showing the SSN. Firmly refused by XXXX XXXX. I believe she violated bank rules. As explained by XXXX XXXX in an email to my question about the SSN : Unfortunately, once we receive an alert notification that further verification of the legitimacy of the SSN is needed, we are, as explained, required to see proper documentation, be it the SSN card, the SSA letter, or a tax return, with no room for exception. 

Very frustrated by XXXX XXXX, either she is not clear about the bank rules, or she deliberately deny our account open request. Either way is not acceptable. 

XXXX XXXX