23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having a difficult time getting XXXX account removed off my consumer report.i have made numerous disputes about the accounts been re-aging amounts been inaccurate and to removed these account after they do their 100 % investigation. The company tells me they are accurate with the investigation and they are not gon na make any more dispute on my behalf ..they couldn't have did any investigation at all they lied to me about talking to anyone and states that the state of XXXX child support reported this to them .I have all the report from different dates of the consumer reporting agency have different first report /when its due to come off and different amounts these accounts has past the status of limitation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND Equifax recently reduced my credit score by XXXX points because I received a loan of {$5800.00} which XXXX OFFERED me. However, my available total credit is {$72000.00} ; therefore my actual credit utilization is only 8 %. Prior to the loan my utilization was 1 % for over 2 years! Even during the pandemic! 

Additionally, everyone knows that the credit reporting agencies NEVER have the same score as the other ; so how could they both come to the conclusion that taking the loan constituted lowering my score for EXACTLY XXXX points!
Product: Debt collection

A recorded message calls me employer looking for me and giving the number XXXX stating to call immediately. I have called and stated that I am not allowed to receive calls at work however, they continue to do so. I have asked that they send a letter of debt validation and they have not done so.
Product: Debt collection

I.C.SYSTEM INC. is reporting a debt owed to XXXX for {$910.00} and I never had any accounts with XXXX. I wrote a letter to I.C. Systems and requested validation of the debt. I requested a copy of my signature on the contract they should have. All I got from them was a statement from I.C. Systems that that is verification and a statement from XXXX with bill period of XX/XX/XXXX- XX/XX/2017. These statements only have my name and address. No proof I incurred the debt and or if I am the right XXXX XXXX. I've never XXXX or XXXX XXXX as they show. I only use prepay phones through XXXX. Before finding this on my credit file. No one has sent me letters or attempted to contact me before listing it on my credit file.
Product: Prepaid card

On XX/XX/year> I purchased a {$20.00} XXXX gift card I tried to redeem and it gave me an error stating that I needed to supply more information on the gift card take a photo of receipt and gift card which I did. On XX/XX/XXXX I submitted the form on XXXX with the requested information they replied a few days later stating that they couldn't refund me and they couldn't redeem me and wouldn't give me a reason why and no other recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that Equifax and XXXX consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, 2022, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX Bank and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from Equifax was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted Equifax and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed Equifax. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and XXXX XXXX to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!
Product: Credit card or prepaid card

Back in XXXX I opened a checking account with Wells Fargo bank and deposited a settlement check. In XXXX, I deposited another large check. I opted to get a platinum credit card with a credit limit of {$500.00} initially, Wells Fargo increased the credit limit to {$1000.00} in the first five months. XX/XX/XXXX, I injured myself and have not been able to work. Wells Fargo closed the credit card account around XX/XX/XXXX and stated on my account page that I could make payments until balance is paid off. However, Wells Fargo has stopped adding late fees recently but continues to add fees and interest charges on this closed account. When I make payments, the payments are not toward the principal but the internet and fees. So far the fees are over {$200.00} in XXXX and interest is {$87.00} in XXXX. How can Wells Fargo charge interest and fees on a closed account? XXXX interested in paying off the principal balance without the fees and/or interest attached. Ive tried to explain this to Wells Fargo customer service reps to no avail. They just call and harass on a closed account. I have no problem paying the principal but how can I get my payments to go towards my principal on this closed account. Is this legal? Please someone help. I do not use this credit card since it is and has been closed.
Product: Student loan

The school is closed due to improper handling of funds the information on the loan amounts is wrong anyways this makes the XXXX  degree void which makes the loans void and they are not eligible to be collected or listed in collections remove from the credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Avant that indicated throughout that I was pre-approved for a loan.There was no indication that their application would require a hard request on my credit or that it would make a difference if there was. They made that request and denied my application. If I can not get that loan based on the information I was given, I want that request removed from my credit report.
Product: Mortgage

I had some financial problems back in XXXX and had to go through XXXX for mortgage assistance. It took a few months to finally get approved and me and my wife were so grateful that we were getting the help we needed to get current on our mortgage. In the end of XXXX of XXXX I got the great news that the funds will be applied to our account and our mortgage will be current. As of XX/XX/XXXX the funds were supposed to be applied to account and this is the XXXX th of XXXX and the funds are still not applied to our account. Called lost mitigation multiple times and they keep telling me the same thing that the funds were never received. I have proof and assistance program has proof the money was sent out. Loss mitigation keeps telling me they are working on this to resolve it and five months later I'm getting the same response every time. I sent them several emails with reference number for them to look up the payment and also screen shots of the date that this was paid and still they say they have no funds to put towards the account. I'm getting very concerned that I am going to lose my home. I got this help to be able to keep my home for me and my family. This bill keeps getting bigger and bigger and I feel like they are keeping the funds to their selves and trying to blow it off and they want me to go into foreclosure and lose my home. I'm currently working with the assistance program to try to get things resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation. 
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine. 
3. When trying to fix the problem at both XXXX and TransUnion, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX XXXX line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and TransUnion to freeze my credit.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX edition from the XXXX XXXX dealership of XXXX, MA in XX/XX/XXXX. I can not afford the payments and would like to give the car back to the dealership. The lease is with Ally Bank/Leasing . They have given two separate prices for a buyout. 
1. I can go to any dealership and pay {$41000.00} ( good until XX/XX/XXXX ) to take buyout the car and take the title. I would also need to pay MA sales tax. 
2. If a dealership wants to purchase the lease, they have to pay Ally Bank the 'market price ' of {$54000.00} ( good until XX/XX/XXXX ), which is $ XXXX more than my buyout. They said the difference in price is the 'market 'price ', a 'new rule ' as typically the buyout price should be the same, and that it is non-negotiable. 

Since I can not afford to pay {$41000.00}, and no dealer in the country would pay $ XXXX more than the car is worth on the open market, Ally Bank is sticking me with the car and the payments that I can not afford. 

If they had the same buyout price for both me and the dealership as all other leasing companies do, I would be able to exit the lease with no financial harm to my credit, or be forced to file for bankruptcy. 

Please advise.
Product: Debt collection

On XX/XX/2024 I received a letter from my bank ( XXXX XXXX XXXX that my funds have been frozen by a debt collector ( Weber & Olcese ). The funds in that account are solely from Social Security, as I receive XXXX benefits. Them funds are not Garnishable unless its from the Government. My right as a Consumer have been VIOLATED. Both by XXXXXXXX XXXX for not telling the debt collector my funds are protected and solely come from Social Security as a direct deposit. The funds so far frozen total {$460.00}, that I now have no access to. Tomorrow I am going to the court house to request a hearing with the judge, explaining my XXXX funds are non-garnishable, and request the funds be released immediately. If the debt collector had asked for proof from me as to this account and where funds come from I would have sent to them but they never asked me. I have sent so far 2 payments to debt collector XXXX $ in XXXX and another XXXX $ for XXXX so far and will continue to send till I die. This should be punishable to both the bank and debt collector for violating my consumer rights.
Product: Credit card or prepaid card

I had someone using my name to get edd benefits threw bank of America and I didn't know they were using my name and having benefits sent to bank of America and spending them without my knowledge. 
My claim was denied due to the fact that I reported the transaction over a year from the time they were made. I had no knowledge that my name was being used to get money sent to bank of America and these people using the cards to purchase items, once I became aware I reported it to bank of America but they denied my claim because I reported it over a year after the cards were used. I had no knowledge this was happening to me. 
I sent them proof I was in the hospital at the time these transactions took place and now it's over a year of waiting for this to get resolved and for me to get reimbursed. I have spent countless hours on the phone trying to get this taken care of and still no resolution from b of a. Please look into this and see I wasn't able to make the transactions because I was in the hospital at the time the transactions were taking place. Thanks for you time sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called chexsystems inc, I spoke with XXXX the supervisor explaining to her that there was an fraudulent request of information on my file. I explained to them that they were in violation of 1681b. The supervisor continued to give me a hard time and didnt help at all with security freeze issue. Since then I have mailed out a letter demanding the security freeze be lifted until further notice. Please see attached file.
Product: Debt collection

We had a lease but the lease was not honored by the lessee. They continuously would come into our residence when we were not present with out our permission and we ( my husband and I ) did not feel safe so we moved out. Since we moved out they have continuously attempted to collect XXXX for the lease being broken. We've asked for a breakdown of the numbers and never received anything and they broke the lease to start. We left the residence in great condition and should not have to pay anything since the company didn't honor the lease to begin with.
Product: Mortgage

Again I have received another noticed dated XX/XX/2016 stating that I am still delinquent and the owner of a loan for a house that was foreclosed on. I originally filed a complaint and shellpoint acknowledge this was being taken care of XXXX ( see below ) that this is being corrected and it is an error and should not be in my name and again I have received a bill saying I am delinquent on a home I do n't own anymore. It is showing on my credit as another delinquency and I want this corrected and I want this out of my name or I will see an attorney. This is my third time asking to remove this loan from my name and XXXX has still not taken care of this due to I have a brand new bill again for a house that was purchased by someone else and in someone elses name. This needs to be removed asap or I will seek legal counseling. ( see shellpoint acknowledgement below that this should not be in my name and will be removed. 

Shellpoint Mortgage Servicing said : Explanation of closure Shellpoint acknowledges your concerns with regard to the foreclosure sale of the subject property. After careful review of the loan, we concluded that the foreclosure sale was conducted by the prior servicer of the loan ( XXXX ), and we are updating our records accordingly. Additionally, the billing statement that you received from Shellpoint was inadvertently sent, and we apologize for any confusion or inconvenience that this matter may have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled and noticed that CitiBank, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XX/XX/2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with CitiBank and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you.

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

There is an old account with XXXX XXXXXXXX XXXX on my XXXX and TransUnion report that should no longer be on there. It is an aged account and past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Wells Fargo and spoke to customer care providing my name and purpose for the call and proceeded to request the finance department about a unauthorized inquiry on my report dated for XX/XX/XXXX. 

Well Fargo was unable to present me with a application of consent or any information about the inquiry.
Product: Debt collection

Since XX/XX/2019 Discover Financial Services has been attempting to collect alleged debts from me that have already been paid. My account with Discover Financial Services was approved and opened in XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Discover Financial Services. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Discover Financial Services has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Discover Financial Services being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ), unlawfully stopped usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ), and threatened to sell the alleged debt to a collection agency ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ) ( 5 ) ). Discover Financial Services has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Discover Financial Services by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a XXXX  balance. In spite of the cease and desist they have still contacted me.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

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.

According to 15 USC 1681i ( 5 ) Section States no 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. they are supposed to modify accounts that aren't reporting correctly.

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

In accordance with the fair credit reporting act XXXX account : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/2023, I attempted to make a monthly payment for my car note of {$600.00}. 

I noticed that the system was asking for me to pay {$1800.00}. I immediately called T. D. Auto Finance and asked why was the system prompting me to pay more. 

A representative told me that it was my last car note and thats why they were asking for the amount. I asked the representative if I could break that amount into XXXX payments. She replied yes, and said she would notate the account. 

The representative never told me that it would be considered a late payment and it would affect my credit. I assumed I was making arrangements in good faith with the company after XXXX years. 

I never paid off a car loan before, so I had no knowledge of how it works. The representative told me it was okay to pay it off in XXXX payments. 

A few weeks later, I checked my credit and disturbingly discovered my score dropped XXXX points. I never out of the XXXX years had a late payment with this company or no other company. 

If the representative would have informed me what would happen or just explained that it will be a late payment. I wouldnt allowed my score to be destroyed after all these years. I had a perfect record paying history with them. 

I worked too hard to maintain my credit score and now its destroyed. I cried out to other representatives with the company and to the managers.

Everyone gave me their empathy and sent it to a higher department that denied it. They say they listened to the recordings and they dont take the blame. I think this is very unfair.

A manager even told me that if I make the last payment beforehand, they will remove the late payment from my report. I made the last payment early. When I spoke with her again. She still gave me the bad news that they wasnt at fault. 

Another representative I spoke with from the company told me that she always inform her customers about the guidelines/consequences if something like this takes place. The representative stated that she wasnt sure as to why the initial representative didnt inform me or warn me about what could happen. 

Ive dealt with other companies in general in the past and they always make me aware of the risks. Im not sure why the particular representative failed me and also the company.

Im not sure why the initial representative I spoke with didnt inform me because now my credit score has dropped tremendously.

Im very sad, hurt and depressed. Im not sure what to do at this point. Its affecting my mental state at this point. I was excited to pay off this loan so I could buy a home. I know that will be very hard now since this company after XXXX years has failed me. 

I had a perfect payment history with them. 

Im torn. 
Please help. 
I would really appreciate it.