23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent accounts, Names, addresses and phone numbers on my credit report I disputed them and the CRA removed what they wanted too not what I reported to them and then they never responded to me with how they verified or with what info they used. So I filed a Identity Theft report with the Identitytheft.gov I was going to file with local police but they told me because I did not know who the crime was committed by that they cant take a report. So I filled out a affidavit and had that notarized and sent everything to Experian via certified mail with return receipt. They in turn just sent me a letter via internet telling me that they verified the debt as accurate with no investigation steps taken to verify the debt. This took over 45 days and they are playing games by investigating accounts that i did not dispute. They have also allowed companies to view and receive my credit reports and private information that i never authorized multiple times. I am a XXXX XXXX XXXX XXXX XXXX who has been homeless for the last two years and currently living in a shelter because of the fraudulent accounts that Experian lists on my credit report are preventing me from acquiring adequate housing for me and XXXX  XXXX XXXX XXXX. I am seeking legal council and representation through the VA free of charge to file lawsuits against Experian for the illegal business practices and the monumental damage they have caused me both mental health wise and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Informative Research pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.
Product: Credit card

this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.
Product: Debt collection

Portfolio Recovery Associates was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Portfolio Recovery Associates has not rebutted the affidavit nor have Portfolio Recovery Associates sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Portfolio Recovery prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Portfolio Recovery Associates violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for EOS CCA. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious EOS CCAI have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Student loan

XX/XX/XXXX, my wages were garnished without the required 30-day notice or the opportunity to request a hearing. I was informed by PHEAA that the notice was mailed to an address at which I never resided. However, I followed all procedures to enter the loan rehabilitation program. XX/XX/XXXX and XX/XX/XXXX, I repeatedly contacted PHEAA to inquire about my repayment plan as I was no longer receiving bills and did not know the status of my loan. I was experiencing a financial hardship following a divorce involving XXXX, a lack of child support payments as a single parent of XXXX, and then after moving a safer location. I applied for the loan rehabilitation program again as advised by PHEAA, but was rejected after applying multiple times. XX/XX/XXXX, I received notice from my employer that PHEAA was garnishing my wages. I had received NO other notice and, again, did not have the opportunity to request a hearing. I contacted PHEAA again and was told that the XX/XX/XXXX notice of garnishment ( which I did not receive because it was sent to the wrong address ) was sufficient so I could no longer request a hearing. PHEAA told me my previous applications for loan rehab were rejected because I had a spousal consolidation that required a financial disclosure from my former spouse. Although I had submitted a judgement stating that I was responsible for the student loans, I could not apply for rehabilitation without my former spouse 's cooperation. Had I been informed of this from the beginning, I could have tried having him compelled to cooperate during our court proceedings and possibly avoid garnishment, which is now causing additional financial hardship. I have provided PHEAA with the information they have requested multiple times, but each time I have contacted them, I 've been given information I 'd never received previously or asked for information I 'd never been asked for before. Their tactics have stalled and prohibited my chances of entering into an affordable payment plan, and I 'm now losing approximately {$1200.00} per month, which is a hardship for a single parent of XXXX young children. I can not afford after-school or summer child care, which will impact my job. I have already paid almost {$20000.00} in interest and almost {$5000.00} toward the principal on $ XXXX of loans, yet I now owe over $ XXXX. I 've made large payments, when possible, but of course, most of the payments were applied to the interest only. PHEAA now tells me I have no options to rehabilitate because my former spouse will not cooperate, yet I can not afford to provide for my children and pay all bills with this garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint.

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at XXXX, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!
Product: Payday loan, title loan, personal loan, or advance loan

About XXXX years ago I reached out to Wells Fargo to see how I could pay on the principal. They told me to make multiple payments throughout the month to avoid paying more interest. That was not working so I contacted them roughly XXXX months ago and they informed me that the information I received was incorrect and that I needed to make my minimum payment on the due date and a second payment on the same day. I was told The second payment would all go to principal. So I did that and it worked for the first month, but the second month my separate payment went all to interest and Ive called them XXXX times to fix this and they keep giving me the runaround and wont apply my second payment to principal.
Product: Mortgage

My complaint is against both XXXXXXXX XXXX and Freedom Mortgage- for double fees on payoff quotes, and for higher interest charges resulting in my mortgage transfer. 

XXXX XXXX- I listed my home for sale, and it went pending on XX/XX/XXXX XXXX XXXX - Pending XX/XX/XXXX - Roundpoint announces transfer of my mortgage to XXXX while I was pending. They immediately cancel my recurring payments, resulting in higher interest charges to Freedom mortgage. They also do not include new account number at XXXX in announcement, resulting in higher interest rate accruals as I struggled to learn the new account number and pay my mortgage. 

XX/XX/XXXX - XXXX quote requested from XXXX, but was ignored. {$30.00} fee assessed and shows in transaction at Freedom mortgage. 

XX/XX/XXXX - Welcome letter from XXXX, finally with new account number, 6 days after payment due date. Damage was additional daily interest accrual on my payment amount, previously automatically set but cancelled with XXXX. 

XX/XX/XXXX - Payoff quote requested from XXXX, another {$30.00} fee assessed XX/XX/XXXX - close of escrow. Both {$30.00} fees for payoff quotes show up on XXXX ledger and Freedom refuses to refund the duplicate {$30.00} charge.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Mortgage

I applied for a mortgage with Wells Fargo Bank on or about XX/XX/XXXX. I originally applied with my mother being on the loan. I was told that we didn't have enough assets in a letter I received dated XX/XX/XXXX by XXXX XXXX XXXX. I was also told by XXXX and XXXX XXXX that the down payment would be XXXX using a conventional loan and then XXXX using the VA. However, the automated system that comes from Wells Fargo to my online banking stated, that the estimated down payment would be XXXX. XXXX XXXX told me that because I was attempting to by an investment property the down payment is doubled. The property that I was interested in buying is a multi-family home however, I would live on one-side and my mother on the other as our primary residence. I asked repeatedly how much was left from my VA entitlement, and XXXX would not say. He kept telling me that it depended on the under writer. I fussed at him because I was totally upset at this point and knew that he was intentionally withholding information. When I asked him to do an application by myself he claimed I didn't have enough assets and estimated my assets to be {$23000.00} and told me the only way I could do anything would be to sale my condominium. He even lied and said I checked on the application that I was selling my condominium when I would have never did such a thing considering I just started renting that property this year in XXXX. Later, when I finally received the denial letter on XX/XX/XXXX. The denial letter didn't include my Mother as co-borrow, and I never received a notice from Wells Fargo showing credit scores used to determine approval or denial. My grand-daughter looked at the denial letter and determined it was fake! The three main pages of the denial letter were generated are watermarked by XXXX. I have been a member of Wells Fargo since XX/XX/XXXX and have never seen documents watermarked by XXXX. On the document it states that the denial was decided on XX/XX/XXXX and I believe this is either the day I applied or the day after. However, I received the denial letter XX/XX/XXXX which has an assigned loan number. The requested loan amount on the denial letter was not any amount I requested. The requested loan amount on the denial letter was {$480000.00}. The grammar throughout the letter is inaccurate. The bottom of the pages of the same denial letter have different dates and different years. Above the delivery address it shows a file named XXXXDeclination as a file name nothing stating Wells Fargo except the sending address and blurry black and white logo. After I started asking questions and revealed that I was suspicions of XXXX my entire loan application was removed from Wells Fargo online banking on XX/XX/XXXX. Please assist me with this matter. 
matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit file. XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year> since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history as a charge off every month. A charged off account should not include an active payment history this inaccuracy information falsely manipulates the statute of limitation you failed to investigate this account properly and youre in neglect has violated my rights. I am demanding a deletion of The following account. 
XXXX XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

While discussing the debt the agent repeatedly refused to provide details on the debt until I provided information about myself. They also requested details about financial arrangements with third parties and insisted I provide the information before proceeding.
Product: Mortgage

Dear Sir/ Madam, I had a loan with SunTrust Bank . 
My loan number was XXXX. The bank used to collect and pay on behalf of me Hazard Insurance and Property taxes. 
I sold my house on XX/XX/XXXX. and supposed to get remaining balance of unused amount of the Hazard Insurance.

I spoked numerous times with SunTrust bank XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX without result. 
I spoked with Mrs. XXXX, XXXX XXXX, XXXX XXXX, all those personnel, refusing to send my money back. 
The bank is still holds my refund of {$100000.00}. 
I need help! 
My name is XXXX XXXX email : XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

after reviewing an updated consumer report I have analyzed that SELF has reported a late payment of {$25.00} in which this account was to help build credit my account. This account is being furnished to a third party credit reporting agency but is violating 15 USC 1666b Timing of payments where no payment shall be deemed as late. As a result of the XXXX my finances were directly affected in which have directly affected my ability to repay, my financial reputation is being tarnished due to this account being negative. Also my rights to financial privacy and non public personal information is also affected which violates the GRAMM-LEECH AND BLILEY ACT , Fair Credit Reporting Act, Code of Federal Regulations. This financial institution is breaching its fiduciary duty 15 USC 689n