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

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from TransUnion stated that the account that I have disputed was verified. The letter will be attached so you all can reference. Now, I want you all to provide me with the neighbors, friends, and associates of mine that you spoke with. You all are required to perform an investigative consumer report. I need all the information that was gathered during that investigation which is my right as a consumer.
Product: Credit reporting or other personal consumer reports

I have received some FICO alerts that my credit report had the unauthorized inquires. 
According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  XXXX Inquiry : Delete NOW I AM REQUESTING UNDER FCRA XXXX THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Student loan

XXXX XXXX sold my accounts to Navient which didnt allow me to lower my payments. They only allowed md to do a forbarance after i became XXXX
Product: Checking or savings account

I attempted to pay for my child 's school online and included the routing number available from my checks issued by SunTrust, my payment was declined as a " bad check. '' I contacted the school and was told the issue on their end said bad routing number. I logged on to the online banking system ( SunTrust rerouted me to Truist ) and after searching on the Truist website, I learned the routing number changed ; however, I was never made aware that the routing number would change nor have I been provided with new checks.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report tonight, with no idea how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts stayed. I am deeply frustrated and request a thorough review of the documents Ive sent to avoid this stress in the future.
Product: Mortgage

just last month I received a disturbing letter from clearspring stating I owed XXXX on my loan for past escrow balance and that my new monthly payment would rise XXXX dollars more this is not a new tactic I, ve just settled with XXXX XXXX XXXX and my new amount states XXXX all of the escrow has been figured in to this im up to date on all payments till XXXX but my account does not reflect this because there holding it just today XXXX refused to accept my payment of XXXX stating it, s not what the account calling for after explaining that I don, t owe anything on escrow as a matter of fact XXXX sent me another breakdown that stated that I owe only XXXX I, ve requested a QWR and no response as of yet now I, ve contacted my attorney who handled the previous case which has similar tactics I want a complete detailed breakdown and a stop to harassing calls constantly and they need to update payments quicker because XXXX person says they see it and the other has no clue this is XXXX XXXX XXXX tactics they are I believe XXXX and the same Sad I thought I was done with protecting my Home from this type of mishandling my loan is a fixed loan which all of the escrow was figured in too since I, m up to date it can, t be short all taxes and insurance are the same I, ve checked
Product: Payday loan, title loan, or personal loan

Affirm reported this payment as past due when it was not and dropped my score XXXX points. To add insult to injury. It was the last payment on the loan for a minuscule amount of {$12.00}. Mind you Affirm does not report positive payment history, all of my good history with the company was ignored but this incorrect late payment for a small amount was report. Strangely enough they reported this account as paid & closed a few days later but the 30 days past due is still on my credit report and impacting my score. 

What affirm has done has charged a flawless payment history and has jeopardize me being able to get a place to live in the next few months. My score dropped from near mid 600s to high 500s.
Product: Debt collection

FAIR COLLECTIONS & O It is srati g on my XXXX and that I owe {$4200.00}, I reported to them that Ive never lived at that address, I spoked with an agent and was told the account was supposed to be removed and nothing happened. This is not my debt I have never lived at this address, I dont owe this debt this is a case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I signed a lease with XXXX for XXXX years making all the payments up to the pandemic. 
Then in XXXX XXXX XXXX XX/XX/XXXX, I missed a payment due to the pandemic, which hurt my finances. Then, in XXXX, I paid all the missing costs and got the account to a current balance. Then XX/XX/XXXX was the second covid emergency that I couldn't bear the XXXX payment on XXXX. I paid the XXXX payment with the XXXX payment and have never missed a payment since then. 
Several times, I asked my creditor to update my account payments due to the Care act of the emergency Covid, and I am still waiting for the results for more than a year.
Product: Vehicle loan or lease

I COULD NOT PAY MY PAYMENTS DO TO SOME MEDICAL ISSUES I HAD. BUT I AM NOW UP TO DATE ON MY PAYMENTS BUT THEY ARE SAYING I OWE RETURN CHECK FEES I NEVER MADE ANY PAYMENTS DURING THIS TIME SO I DO NOT KNOW HOW I CAN OWE RETURN CHECK FEES NEVER MADE PAYMENT UNTIL LAST MONTH THEN MADE XXXX PAYMENTS TO GET UP TO DATE AND THEY ALL WENT THROUGH. SHOULD NOT HAVE ANY RETURN CHECK FEES
Product: Student loan

Regarding my federal student loans, these 4 separate loans are showing as delinquent on my credit report. I was not notified via call, mail, or email direct ( now seeing nelnet has gone to my spam ). My mailing address was also incorrect, it has now been corrected on nelnet via a phone call. I was under the impression that since my last conversations with nelnet my account was in deferment still. Now that my credit score dropped over XXXX pts am I now getting the credit notifications of delinquencies, never any direct contact from nelnet of late payments.
Product: Mortgage

Hi, We considered we have been misled by Opes Advisors regarding the closing costs of our mortgage. 

Our project was to purchase a home for {>= $1,000,000}, with a loan of {$810000.00} and a down payment of {$200000.00}. 

In our original estimate ( attachment " LoanEstimate.pdf '' ), we have a line of Closing Costs of {$40000.00}, but with also credit lines ( " Seller Credits '' and " Adjustments and Other Credits '' ) for {$17000.00} + {$1300.00}. At the end, our cash to close is {$220000.00}, including the down payment. We were told it was a conservative estimate and we would pay probably less. 

But at the end, when we have signed with the notary, our cash to close was {$220000.00} ( attachment " ClosingStatement.pdf '' ). Without the {$200000.00} down payment, this final costs represents 14 % more than what was planned ( {$24000.00} vs {$21000.00} )! 

What I understand it that they have decreased what the " Closing Costs '' line, but in the same time, the credits lines have been changed into debits : in the latest Closing Disclosures ( attachment " ClosingDisclosures.pdf '' ), the " Seller Credits '' was {$0.00} and " Adjustments and Other Credits '' was {$1200.00} of debit ( compared to {$17000.00} + {$1300.00} of credits ). 

I have discovered the issue some days before signing with the notary, when they have sent the closing disclosures. I 've notified them and they said they would correct the documents, that there was a mistake and everything would be as in the original estimate for the day I should sign. But they did not want to send me anything before. 

Nothing was corrected the day we had to sign. Since we were 3 weeks late ( because they did another huge mistake during the approval, that they have acknowledged ), I was not able to postpone the signing or we would have lost the house. 

Afterwards, I have asked explanations, but they have started to provide confused explanations, with wrong numbers. Then my mortgage advisor has left the company. And now the " Managing Director '' has stopped answering me as soon as I have spot this issue with credits ( it 's been 11 days now I do n't have any answer from them ). 

I have everything on emails, I only attached the last thread ( attachment " last-email.pdf '' ). 

My point is they have probably made me paid some additional costs that they have tried to hide with these false credit lines. 

By the way : the tax property had also been estimated to 1.25 % in our monthly payments. Again they said it was a conservative estimate. But when signing, the notary told us it should be closer to 1.50 %! We will have to pay ~ $ XXXX/year in addition to the " conservative '' estimate. 

So I strongly suspect them to having misled us and made us pay hidden costs. 

Thank you
Product: Debt collection

On XX/XX/2020, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. 

Then, today, XX/XX/2020, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. 

The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number.
Product: Debt collection

I get daily calls from Capital Management Services looking for a person I do not know about a debt. I have told the callers on at least three occasions that they have a wrong number and that I want my number taken off their call lists. I put a three month block on their number but now that the block was lifted the calls have begun again. I plan to return a call to XXXX XXXX XXXX XXXX to ask again to be taken off their call list and to let them know that I have filed a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, 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 confidentially under 16 USC 1681. 

I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 

Also, they are not in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 EXPERIAN, XXXX, AND XXXX STATING ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. 

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

I have submitted 3 letters to all three credit bureaus demanding they remove several incorrect inquiry 's as well as 2 late payments that did not occur. I know I have a right to see the written documentation they used to verify the inquiry and supposed late payments. They have not provided this in the last 3 letters I've written.

I have no other choice but to take legal action against them as it has caused me real financial harm and distress.

I would like to file this complaint and see that the maximal penalty handed to these companies for their failure to comply with the FCRA.
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 XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$170.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$110.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, ( XXXX ) XXXX. 
15 U.S.C. 1681 Section 602 A. States I have the right of privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Credit Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I recieved a letter from WellsFargo Auto Finance acknowledging the auto loan I had with them has been Settle in Full. They have stated in the letter they are submitting the request to the Credit reporting agencies to have report updated in my credit report file to reflect a Charge off to Settled in full account. I was also instructed to present this letter to any prospective creditor questioning the status of this account. 
WellsFargo hasn't kept there word and still reporting this Auto Loan as a Charge Off. Also I called the number they have on the letter numerous times and it no longer a working number. I contacted WellsFargo thru mail at the address they have on my credit report and my letter got Return to Sender. WellsFargo is reporting false information of me with there wrong address. 

Also for the same Auto Loan they transfer or sold to another WellsFargo Bank within there company, and having a different account numbers. I contacted WellsFargo back in XXXX XX/XX/XXXX is to why I see two reporting on my credit report for the same Auto loan with two different account numbers with two different amount finance. One with {$26000.00} and {$26000.00} the actual amount finance is {$26000.00} on my contract. I have yet to see any changes of status to this account. I wrote to WellsFargo again in XXXX XX/XX/XXXX why do I see a balance of {$2700.00} showing I owe them. Still havent heard anything from WellsFargo after numerous time of disputing this account. WellsFargo would not take the time to investigate there error reporting even provide them with copies of the letter and contract but keep updating. All credit bureaus forward all my dispute to them but would not take the adacity to respond to there error reporting. 
Now Im filing a complaint with CFPB due to false reporting to credit bureau. I will be ready to provide all documentation of my communication with WellsFargo. Thank you so much for taking the time to view my issues.
Product: Credit reporting or other personal consumer reports

XXXX failed to investigate my disputes, they did not accept my documentation and will not let me dispute things that's already been disputed. This has negatively impacted my XXXX XXXX, my job screenings, and my housing options.
Product: Checking or savings account

I purchased a power cord for {$31.00} from XXXX XXXX XXXX XXXX using my Discover Checking ATM Card, and was sent someone else 's partial order. I called XXXX to rectify the problem as was told that they would overnight me a cable and issue a call tag for the wrong items I received. I did not receive the cable I originally paid for, and followed up with a call. I was told they could not help me further. I tried to contact corporate by received not correspondence back. 

I then proceeded to start a chargeback claim with Discover Bank on the basis of fraud. I was told twice by them that they could not help me because Regulation E did not protect me if the merchant sent me the wrong item. 

Discover is allowing this fraudulent charge and not protecting me as a consumer and customer. I have banked with them for over 2 years and have been an outstanding customer. I would like to proceed with a complaint against Discover Bank for this incident.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Student loan

Recently updated my income and requested a plan that was supposed to be $ XXXX ( XXXX ) through student aid.gov and just got a letter from MOHELA saying Im on a different plan ( XXXX ) for $ XXXX. Now Ill need to get on the phone and be on hold for XXXX hours during my work hours to get it fixed.
Product: Vehicle loan or lease

On XX/XX/21 I financed a new XXXX encore and I was not disclosed any information and what my finance charge consisted I'm being charged XXXX. I was not offered insurance or given my truth and lending statement. The information was withheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Product: Credit card or prepaid card

I have tried several times to make arrangements for the XXXX XXXX credit card to be paid off. I lost my job and income during pandemic, had insurance for the card, but they lied and declined my request. I set up automatic draft and they continued fees and interest, I changed the draft date so no late fees would be charged from my unemployment check deposit. They continued to charge interest. I tried again to close account with no more interest per a promotional program. They lied. No proof of phone call. They show my auto drafts each month, but refuse to cancel my card, which I have not used since before pandemic. They lie constantly.
Product: Mortgage

In XX/XX/2023 our loan was sold to Lakeview Loan care. Once they took over they raised our bill {$500.00} saying it was an escrow and insurance issue. I just don't understand how they can legally do this. Our loan was set to the amount we could afford not this!!! We went and looked at their reviews and XXXX of their customers said they did the same thing to them. I feel like we are all getting scammed. Please look into this.
Product: Credit reporting

My equity line from XXXX XXXX ending in XXXX was reported XXXX XXXX late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.