23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss XXXX payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was XXXX, until XXXX last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and XXXX. After it was all said and done, they did not honor the first refi numbers, they gave me a higher payment and rate. Then finally I got someone from corp office at WF, was very apologetic, assured me that none of this was my fault, that she was very sorry for having her company put me thru this and also assured me that my credit history would be zeroed out, cleared of all the wrong doings from them. Also, I saw where my home insurance was extremely high at {$2400.00} per year with XXXX XXXX. I found a cheaper {$950.00} a year and wells fargo suddenly sent me a statement saying my notes have increased by {$350.00} a month then went down only {$9.00} a month. At this point I just hung up and wonder why I had to be put on XXXX. Well, last week I went to trade my XXXX XXXX with XXXX miles on it in and informed the sale lady my credit was n't the best and should be around XXXX. Well, she called and said it was worse than expected at a XXXX. Then I got the call of a 17.5 % rate at a {$800.00} a month note. I made sure she did n't fall and hit her head real hard, then ask if there was delinquencies reported from Wells Fargo, no surprise she said yes. Then she explained that she could n't do anything better because of what and how they have reported my history. She said everything negative on my report is and would be ok, but the Wells Fargo was the deal breaker. I have since called Wells Fargo XXXX times, left voice mails, called and emailed the HUD lady that helped me in the passed and not XXXX person has returned a call or email. So, here I am starting another complaint against Wells Fargo Home Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

A UNKNOWN ACCOUNT HAVE POPPED UP OM MY CREDIT IT REPORT.IT IS HURTING MY CREDIT PROFILE. PLEASE REMOVE IT.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card in my name in XXXX ( I live in XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) There is a balance they want me to pay I have disputed this account 3 times and they keep denying claims I had no knoweldge of this account until it showed up on my credit report
Product: Credit reporting

Back in XXXX XXXX, someone tried to open a XXXX credit card under my name in Arkansas and XXXX sent a copy of the credit card application to my prior address in XXXX. I have been living in XXXX XXXX since XX/XX/XXXX. My ex-roommate who still is living in XXXX called me and mailed me the copy of application. I notified XXXX and they send me a form which I filled out along with all documents they requested proving that I was n't the person who applied for their credit card. They sent that letter to all the credit reporting agencies for that hard inquiry to be removed from my credit. I filed a fraud report with all credit reporting agencies and also I placed a freeze on my credit report, however XXXX still was showing that hard inquiry on my credit. I called them and they said I need to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or have XXXX to send them a letter confirming the error. I called XXXX last month and they said the sent the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived. I called Target today and this time the supervisor stated they can not resend the letter. He does n't have an explanation of why. I called back Equifax and again they said XXXX need to submit the letter. Because of this bureaucracy, at this point my credit has been lowered and I ca n't get a better deal refinancing my home.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX - XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was still found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$3100.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that tXXXX 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 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 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
Product: Debt collection

My XXXX rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " Hayt Hayt and Landau P.L ''. No response after multiple days of calling and emailing. I then reached out to XXXX XXXX ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the XXXX XXXX agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " hayt hayt and landau '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to XXXX XXXX on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with XXXX that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.
Product: Student loan

it isn't about loan payments, well it is. I have a private loan from XXXX with Navient for the past 10 years. the total amount was {$3200.00} to start, i currerntly owe {$2200.00}. I have paid {$10000.00} on the loan so far. i have this in writing from them. they said they have mailed out a hard copy to show me how much interest i've paid. seriously? I have paid {$9700.00} in interest and still owe {$2200.00} on a {$3200.00} loan? i also made a one time payment of {$1000.00} at once and i still owe {$2200.00}. what does this make my interest? how can they get away with this? this is worse than a check cashing companies interest rate or buy here pay here place. i filed bankruptcy and wasn't allowed to file on this per my attorney even though it was a private loan. I WILL DIE B4 THIS LOAN IS PAID OFF, I NEED HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/ Balance : {$1300.00}
Product: Debt collection

I SUBMITTED A VALIDATION OF DEBT REQUEST WITH NO ANSWER BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian explaining that I was trying to improve my credit. In turn they intentionally tried to hurt my credit by deleting positive records from my credit report. Its absolutely terrifying to know that its people trying to harm others. 

The account they removed were XXXX/XXXX   XXXX  and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.
Product: Debt collection

The original creditor was XXXX XXXX. It is a paid chargeoff, collection debt. I have been attempting to have the item removed off my file. My dispute was erroneous information, the date opened, the name and the actual date that Portfolio obtained this debt is wrong. I requested actual validation and they sent me 2 sheets of paper and the dates on the paper are the year of XX/XX/XXXXand XXXX and Portfolio did n't obtain the debt until XX/XX/XXXX. I sent correspondence to Portfolio and the credit bureaus on numerous occasions explaining that the information had to be correct and it is n't. I want the item deleted so I may move forward in my quest to have excellent credit. The debt is old and paid it has no purpose except to report as a negative item. I communicated with the credit bureaus and Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I spoke with a XXXX XXXX in the dispute department of Portfolio about my concern and he told me that he understood and I thought I heard him say that the item would be deleted but as of today it is still in my credit file. So I am pleading for assistance with this matter.
Product: Credit reporting or other personal consumer reports

I paid XXXX credit card {$1500.00} on XX/XX/XXXX before the closing date. It needed to be paid by XXXXXXXX XXXX eastern time and I paid it XXXX hours before that time. The XXXX transactions area shows I paid it XX/XX/XXXX, however their payment area shows I paid it XX/XX/XXXX. My bank statement also recorded it as a XX/XX/XXXX payment. This caused my balance at closing to reflect much higher which dropped my scores significantly at all 3 credit bureaus Equifax, XXXX, and XXXX XXXX. This was incorrect reporting by the credit bureaus and incorrect reporting by XXXX. XXXX account services stated they sent the dispute info asking for a correction to all 3 credit bureaus but the bureaus are not showing an update to reflect the balance to be about {$250.00} versus {$1700.00}.
Product: Checking or savings account

We are a XXXX ( c ) XXXX organization and used Square as our checking account and credit card processing company. After a recent fundraiser, the company locked our account with over {$2000.00} in funds in the account. We can't conduct any veteran family assistance without this money. Our business is completely shut down. They will also not answer any questions as to why it was frozen. All they will tell us is that it will be frozen for 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Suntrust Auto Dealer on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.
Product: Checking or savings account

I'm was charged an overdraft fee on a maintenance fee. Charges that day were XXXX check cleared, an overdraft fee on the check, a maintenance fee, an overdraft fee on the maintenance fee.
Product: Checking or savings account

I had two checks the were deposit. I called them and summitted one of the checks was no good. They check that was correct was for {$1200.00}. Soon as that cleared my account i used the debit card for {$25.00} XXXX. XXXX minutes later the closed the account due to fraud. The check i XXXX talking about was cleared on XX/XX/XXXX. I have called the fraud department over thirty times To have this money sent to me or deposited in another account. The same answer is hey are escalading the issue. I have gone XXXX the branch i which I was told to do By Truist fraud. They were XXXX unable to help since in this status. I was told by Truis fraud to go to the bank that the check was issue. In which I did XXXX XXXX  the check was cashed and posted to the account. Nothing they can do since the money was deposited in the account already. I am not asking a lot just to receive my {$1100.00} back to me which was never returned. Please help. Like i said this has been a nightmare issue. I am looking to file a police report also If i don't get this resolved asap. Thanks to is able to help
Product: Mortgage

Im a first time home buyer in which I closed on my property on XX/XX/2017. My mortage lender is XXXX XXXX XXXX XXXX. Before I closed on my property my loan officer had assured me that my loan payments will be XXXX a month. After I closed on my property 4 month later the same company raised my mortgage to XXXX a month. Before closing I had made it clear that I will not be able to afford a mortgage above 2000. I also emphasized that if my payment will be above 2000 that I will not close on the property. I contacted them about the issue and they claim that they did not have any information about the property to get an exact property tax value and thats why my payment had increased so m much. I believe that they were aware of the going tax rate in my county at the time but didn't include the correct tax rate at the moment just to satisfy my demand of not paying a mortgage payment of over 2000 a month just to get me to close on the property. I feel I've been taken advantage of for my lack of knowledge on home buying and demand for them to honor the original mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  and had gone out of the country for XXXX XXXX and couldnt come back in time because I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, I missed my credit cards payments with XXXX  XXXX XXXX and Capital One. I also missed a balance assist loan payment with XXXX  XXXX XXXX. I could not contact them because I was out of the country and not feeling well due to Covid. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My credit score has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score.

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had Covid and out of the country.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has 3 accounts still listed on my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ). All 3 accounts show a balance of {$0.00}, but report as charged off. Despite contacting the company numerous times, these items still report. I am wanting to buy a house soon, and these 3 accounts are still showing up, and weighing my score down significantly. I have had other companies remove paid collections, but it seems XXXX XXXX only wishes to report paid collections out of spite. The 3 accounts are a XXXX, a Paypal Extra 's MC and a XXXX XXXX XXXX. 2 accounts were closed on XX/XX/XXXX, and Paypal Card was closed on XX/XX/XXXX. Despite over 3 years passing since these accounts were closed, they are still damaging my credit.
Product: Credit reporting or other personal consumer reports

DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/2024 DEBT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Last XXXX SSN To Whom It XXXX Concern : I am writing this letter to dispute the following accounts : Bankruptcy # XXXX and # XXXX both are fraudulent TransUnion is refusing to remove them even after several recordings I have of them saying they were fraudulent and going to be removed. They also have a statement of fraudulent activity on my credit report. 

XXXX # XXXX there was never any balance as it was a secured prepaid credit card and I could only use what I put on the card so its very inaccurate and harmful to my credit I closed the account myself with a XXXX balance its being reported inaccurately. 

XXXX XXXX # XXXX this account was opened over a phone call using my personal information at an address I have never lived at and was included in a fraudulent bankruptcy which these have been deleted by XXXX and working on XXXX. 


This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity XXXX. XXXX XXXX Collections Practices Act 15 USC 1692g violations4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX I clicked on an ad for XXXX, advertising XXXX and XXXX handbags @ {$46.00} each. I ordered XXXX for a total of {$92.00}. I used my Discover card. Several weeks later when the package came, I was disappointed to see that I didnt receive XXXX and XXXX XXXX at all. I received cheap knockoffs. I have been unable to reach the company that mailed them. XXXX ( not XXXX ). I filed a dispute with Discover. Discover decided to side with XXXX, stating that XXXX provided a tracking number proving I received a package. I did receive a package, that was never the dispute. But the contents is not what I ordered. There are numerous complaints on XXXX about this company mailing fraudulent merchandise. Of course I have proof of everything. I hope you can help. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is SIGNIFICANTLY lower with Experian than the other two major bureaus. 33 points lower than XXXX  and 49 points lower than XXXX. I have called several times for a review. The agents are ill-informed and rude. Experian is always the last to update their reporting information and usually lags in recording important information that would improve one 's credit score. Literally all of my " Additional FICO Scores '' on Experian have not been updated in over 21 months according to the mobile app!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not reporting the {$9800.00} credit line I have with my new XXXX XXXX XXXX ( which has gotten two replacements ) even though they say that the balance decreased. They're also not showing the {$10000.00} credit line I have with another XXXX 's card besided the one isted. Both of these cards had fraudulent activity and both have simply been replaced with new cards and account numbers. As a result my total available credit is nearly {$20000.00} less on the TransUnion report than what it really is ( {$37000.00} versus {$57000.00} ) and my average credit age is about 7 months less on the report than what it really is ( 7 years 5 months versus 8 years ), as the XXXX XXXX XXXX account is nearly XXXX XXXX XXXX, and the XXXX 's account about XXXX XXXX XXXX. This is having an unfair adverse effect on my credit score, when I simply just had the card numbers replaced due to fraud.