23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite having an agreement with Wells Fargo made two months ago to pay a credit line ( debt ) at Wells Fargo with $ 300 monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving harassing collection phone calls from XXXX every other day. 

I have paid {$300.00} on the agreement for two months now. This agreement was made with XXXX XXXX at Wells Fargo ( Loan Adjustment Supervisor ) but Wells Fargo ( XXXX from collections who reports to XXXX XXXX ) are harassing me now seeking payment in full despite our agreement. I have explained over and over again my financial situation ( offered documentation proving my inability to pay the debt off at once as I 'm a new XXXX in XXXX mother of XXXX kids under XXXX yo ). I just received another call from XXXX XXXX XXXX on XXXX XXXX ) at Wells Fargo and she transferred me to her Supervisor XXXX XXXX who told me that he was going to sue me for the balance of debt despite our agreement. He told me that he does n't care and wants it paid off. When I asked him why he was even calling me, he told me to, " Lose the attitude, XXXX! '' and then I reiterated our agreement, my financial situation, etc., he told me, " Then I will take my boss ' recommendation and sue you! '' and then he HUNG UP THE PHONE on me. This supervisor at Wells Fargo hung up the phone in the middle of me trying to respond to hearing I am going to be sued by Wells Fargo. I was left with XXXX fearing I will be sued by Wells Fargo. What will this mean for my family? My XXXX in XXXX? I began having XXXX. I am a high risk XXXX already and being harassed with phone calls ( first by XXXX who would call me and say that XXXX told her to follow up regarding our " agreement '' and I asked XXXX what she was referring to - since I 've been paying on said agreement for two months now - and she did n't know??? but was calling me anyways? ) This is an opportunity for legislation to be brought forth regarding behaviors such as Wells Fargo harassing a client who is currently paying their debt, who is not being evasive and ignoring their repeated phone calls, and is told to pay up or else?
Product: Student loan

I am writing to you, CFPB to inform you of the improprieties conducted on behalf of Great Lakes Educational Loans. Great Lakes has no written consent, court order or Power of Authority with me. The FDCPA Fair Debt Collection Practices Act appears to be in violation due to the aforementioned things. Great Lakes is definitely violating my right to privacy as pursuant to the Constitution. The company has already utilized my personal information without my knowledge with other companies. Defaming my name to the public is also a violation of the Constitution as well as the law. These are discriminatory transactions that are being reported are impacting my ability to attain my rights to acquire the basic necessities of life ; for example a quality home, decent car and educational aspirations for my children. I feel like I am being denied my access to the American Dream by the conduct of Great Lakes Educational Loans with this treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding unauthorized inquiries contained in my consumer credit file. I spoke with a representative, informed them that my federally protected consumer rights were violated in reference to 15 USC 1681e. I never authorized my credit to be pulled by XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and the US Dept of Edu ( XX/XX/2020 ). As Equifax shopped my information around to their potential investors, my consumer rights were violated in accordance with the FCRA section 1681b ( c ), in addition to a huge breach of my privacy rights. Equifax did not remove these inquiries, causing me actual financial damages.
Product: Credit card or prepaid card

XXXX/Barclays sent me the attached email offering me a 3.99 % rate until next year. 
I signed up, then called to check. They told me that it only applies to purchases beginning in XXXX. The word XXXX appears nowhere in the invitation email that I received, that is attached. 
This will hurt people who will assume, as I did that any purchases made between now and XXXX will be get the low rate -- and they will not. 
Very deceptive. Angers me. How can they get away with leaving that out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
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 XXXXXXXX XXXX XXXX XXXX ( these is an open account but reporting inaccurate so remove please )
Product: Credit reporting

I have been disputing with all XXXX credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( XXXX ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform to the CFPB of the bad practices TransUnion has caused to my consumer credit report today. Thursday XXXX XXXX XXXX as I was reviewing my personal information on TransUnion, I have noticed my name spelled incorrectly. on my personal info also as know is showing a mis spell name by the name of XXXX XXXX XXXX I decided to call TransUnion to inform the name off XXXX XXXX XXXX which this name is in accurate. I have spoken over the phone with a representative and she mentioned that in order to change the name that appears incorrectly on my TransUnion credit report she needs to generate information from her system and since the information wasnt generated. by her policy, they can not remove the inaccurate name showing on my credit report. Even though she had verified my information over the phone she was discussing my credit report. it does not make sense for me to mail my information if she already knows the right person she's talking to. I have verified my information over the phone to TransUnion she will not remove that inaccurate name showing on my credit report. I have provided in the past my Social Security. my change of address and my California ID. TransUnion that information is on her system and if my information wasn't in her system why do I receive mailing correspondent to the address. and yes, I do have a security alert on my TransUnion as a consumer I am requesting a removal from that inaccurate information you as a creditor is to make sure that the information you furnish is accurate not 95 % but 100 %. I have provided you with the information you requested. your job is to remove my information that is inaccurate as soon as possible. is causing me problems. remove it is spelled incorrectly. and update my original address and eliminate the old address which this XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX does not received any correspondent mail anymore. 
thank you. 
Sincerely : XXXX XXXX XXXX.
Product: Mortgage

I received a solicitation from my mortgage company Ocwen Loan Servicing stating that our mortgage may qualify to remove the PMI from the monthly payment. We 've had the mortgage for 10 years never late and our house to date has appreciate from XXXX to over XXXX assessed value based on the comps on the block and area. We were very excited to lower our mortgage payment by removing the PMI. We wrote Ocwen back and agreed to remove the PMI. We received a letter stating to process the application we would need to submit payment of {$100.00}. We thought that was odd, but thought if would be a minimal investment. A few weeks later they sent a XXXX lady out to take pictures of our home. We received a letter from Ocwen about a month later stating that we would need to submit a principal amount to equal to 80 % of the value. They never sent any numbers or explanation. We were confused that after 10 years our home did not appreciate to the standard when we knew we purchased the home in XX/XX/2007 at a competitive price. We called Ocwen, they gave us no answers and shifted us around from person to person. We asked the XXXX what the numbers, she could not give us any numbers. We requested a written explanation where she said she does know if she could do that. This is when we feel, this is a deliberate alternate stream of income to Ocwen taking advantage of their customers. A few weeks later we received a letter saying our house is only worth {$140000.00} and we would have to submit over {$34000.00} in principal to get the PMI dropped. I smell a rat. Van you please investigate. Ocwen has not responded to BBB nor the Florida State Attorney General about this concern. 

Assessed Values of properties in the XXXX, XXXX, Virginia XXXX XXXX ( Residential ) XXXX XXXX ( XXXX ) XXXX Said property- Assessed value @ XXXX will expire this year after 10 year historic tax exemption. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best & Be Well, XXXX
Product: Debt collection

On XX/XX/2019 @ XXXX XXXX I received a call from ERC in XXXX Florida. They asked for my personal information without stating the name of their company or the fact that they were a collection agency. They asked for information without even stating the name of their company. Also they threatened me and harrassed me on the phone telling me they were going to file a lawsuit against me and their team of lawyers would take action against me before even telling me what the debt or call was even regarding. This company should be shut down due to their illegal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report Department of Treasury account XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this Department of Treasury account.
Product: Credit reporting or other personal consumer reports

It is of utmost importance that you understand the seriousness of this matter. I feel compelled to stress that I am fully dedicated to taking legal measures against your organization. In spite of my continual appeals for you to thoroughly look into and fix the errors that are affecting my personal credit report, your apparent indifference to my demands is extremely troubling. According to regulations, it is obligatory for you to handle and correct any incorrect details that have been brought to your attention. 
Your persistent neglect in addressing this issue is unacceptable. Given the gravity of this situation, I strongly urge you to promptly address the necessary steps to resolve this matter before further actions are pursued. 

XXXX XXXX XXXX - XXXX - They reported an account under my name without a written agreement. A legal contract requires the involvement of both parties and I was not a party to any such agreement. CEASE & DESIST. - There shouldn't be late payment reporting on this account seeing as it's a collection account! This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing XX/XX/XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, this account must be DELETED from my report.
Product: Credit card or prepaid card

In XX/XX/XXXX, my family bought a leather sectional from Macys with a Macys credit card, primarily used for protection purposes. Upon receipt of the unit, both the delivering company and my family noticed material quality concerns with two of the pieces, which we immediately conveyed to Macys. We endeavored to work with Macys to remediate the issue, but elected not to receive a piecemeal resolution as we wanted all pieces to come from the same lot. After some delay due to COVID challenges, the sofa was picked up and we received credit and we asked for our account to be closed ; however, Macys inadvertently reflected a negligible balance due to an internal issue. My wife called multiple times and Macys apologized and intimated the problem was resolved in the XXXX / XX/XX/XXXX timeframe. 

My credit score has always been exceptional, a XXXX  score typically over XXXX. It wasnt until XX/XX/XXXX, after patiently waiting for over a year for historical low interest rates and closing cost fees, that I asked XXXX to run my credit score for my requested refinancing loan. At this juncture, I learned that my credit score had dropped 70 points due to the erroneous and fraudulent information ( late payments across XXXX, XXXX and XXXX ) that XXXX had shared with all three credit bureaus. This prevented me from securing my loan. I called XXXX and they acknowledged culpability for the error, blamed it on their computer system and sent me a letter that they would correct the issue with all credit bureaus, albeit it would take 30 days most likely for any adjustment in my credit report, literally sabotaging any immediate chances of my family securing premium refinance rates and savings. I reached out to multiple individuals ( such as XXXX XXXX - Liaison Credit Executive Office ; XXXX XXXX - Executive Office Liaison ) at Macys and the best response was an offer of a 25 % discount, a standard discount I receive routinely from Macys, to essentially go away. Macys error cost my family a loss of over $ 18K in interest rate savings over the life of the loan, not to mention over $ 2K in closing cost savings when compared to loans available XX/XX/XXXX and beyond. 

Macys error resulted in reputational damage to my name with my bank and a financial hardship to my family. My account should have been closed properly with no balances reflected due to Macys error. And then I had to be the one to bring it to their attention or I would have been impacted in perpetuity for their error.
Product: Credit reporting or other personal consumer reports

I filed complaints with TransUnion, XXXX, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below.

The failure to label this disputed account as disputed by the corporation is a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the final action on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.
Product: Mortgage

On XX/XX/XXXX I reached out to Wells Fargo to pursue a deed in lieu of foreclosure. Our property septic system was damaged ( system floated ) during flooding in XX/XX/XXXX of the property and our insurance did not cover the cost to repair was $ XXXX which we could not afford. We were where told we had to first get attempt to put the property on the market for 90 days & attempt to sale property, submit a request to short sale and be not make payment on loan before doing a deed in lieu of foreclosure. We hired an realtor & lawyer specializing in short sale and put the property on the market on or about XX/XX/XXXX. We submitted paper work and supporting documentation for the short sale application. We were assigned a Home Preservation Specialist XXXX XXXX. In XX/XX/XXXX we reached out to Well Fargo because house did not sale and was told we had to have the property on the market for 4 months after the approval of short sale. At that time we were told Wells Fargo did not receive supporting documentation we and our attorney emailed in XX/XX/XXXX. We faxed & emailed it to XXXX XXXX and our attorney emailed documentation duplicate copies. On XX/XX/XXXX we received an active contract on the property for a cash sale and our realtor and attorney reached out to Wells Fargo and was told they needed additional supporting information and we emailed and fax documentation to both XXXX XXXX. XXXX XXXX confirmed Wells Fargo received all required information to support application for short sale approval and a 5 day determination letter was sent to our attorney & realtor. We received a letter in the mail XX/XX/XXXX requesting the same information we again emailed and fax information. Wells Fargo continued to send communication that there did not receive documents up until XX/XX/XXXX. I called but could never get in contact with our assigned home preservation specialist nor loan adjuster ( XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXXXXXX ). I spoke with another specialist and was Wells Fargo system showed documentation was received but short sale approval still pending. Also informed me that the loan was in active foreclosure but no sale date had been determined. We have done everything asked by Wells Fargo to avoid foreclosure but have been strong along entire process. I research issue and found Wells Fargo has done this to many customers. We have not been unable to resolve this matter even with attorney and feels attention needs to be given to this issue. Hoping CFP can help resolve.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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  Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX
Product: Bank account or service

My father a retired XXXX year XXXX XXXX Veteran recently passed away and I went to his local bank, Regions, located at XXXX XXXX XXXX XXXX in XXXX, AL to notify them ( and provide a death certificate ). I asked the bank to place a hold on his checking account to prevent any unauthorized debits while we completed the probate process and the bank personnel refused to do so. They were extremely rude and demanded that I provide letters of testamentary from the probate court, even though I was not trying to access the account.
Product: Checking or savings account

We are filing a complaint regarding the decision to put our personal checking account on hold. We recently sold our home. We received the proceeds in a check made out to my husband and me, as trustees for our revocable family trust. Unaware of changes in regulations, we deposited this check into our personal checking account as we have done with 3 previous home sales. We have spent well over XXXX hours and have had 6 meetings with our local Chase Bank Personal Client Bankers as well as the Branch Manager over the past week attempting to rectify this horrible situation weve been put in. Were beginning to receive late notices for bills that we paid last week, have insurance premiums set up on autopay that cant be processed, etc. Weve had excellent credit ratings up until this debacle began last week. We believe there should be a thorough review and explanation of how and why the personal checking account was put on hold.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report 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  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX and there is a new XXXX XXXX account I do not recognize opening.
Product: Payday loan, title loan, or personal loan

I was going to be evicted from my apartment after falling into hard times with financials, this was the only institution that would take a loan out with me ( {$2500.00} ) during this time because of my credit ; however, I was unaware of the interest rate of 139 % that would take effect. This occurrence was in XX/XX/XXXX and for almost two years I have been unable to contact them to rectify or get this situation taken care of. It is a drain on my bank account leaving me unable to save for my future or for absolutely anything with payments of {$290.00} a month. With not a dent in the principle of the loan after almost 24 months. On top of all of that reopening a loan for a different amount with a new account number all different credentials without my knowledge or prior approval.
Product: Credit card or prepaid card

had a Chase Credit Card product-Marriott Bonvoy Boundless-Visa and closed this account with a Chase Representative on XX/XX/XXXX by phone-effective immediately ( whose name was XXXX XXXX XXXX ). XXXX assured me my Boundless card was immediately closed on XX/XX/XXXX In conversation with this agent the option of another credit Chase card product was discussed- Marriott Bonvoy Bold Credit Card was available to me. 
Based on that I terminated my. Marriott Bonvoy Boundless on XXXX and applied on line XX/XX/XXXX for the Marriott Bonvoy Bold Credit Card. Although I requested written documentation of the Boundless card I never rcv 'd it. Starting on XX/XX/XXXX at XXXX ; XXXX XXXX  I started receiving e mails from Chase ( see attached ) that I was due for a balance transfer from the closed ( Boundless ) card. On XX/XX/XXXX I applied on line for a new Marriott Bonvoy Bold Credit Card and rcv 'd written notification that my request was being processed. 
On XX/XX/XXXX I rcv 'd a written letter dated XX/XX/XXXX that I was denied a Marriott Bonvoy Boundless credit card because Chase claimed that the Boundless card WAS NEVER CLOSED and I still had a Marriott Bonvoy credit card=see attached. In other words Chase failed to accurately update its credit card closings and Chase 's failure resulted in me being denied a credit card and its negligent failure has resulted in damage to my credit history!