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

after reviewing my credit report I sent a dispute letter to XXXX XXXX and Equifax on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX XXXXXXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX XXXXXXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXX XXXXXXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Product: Consumer Loan

Americash loan wants XXXX on a XXXX loan a 197 % rate of interest a high rate of loan
Product: Money transfer, virtual currency, or money service

I received a refund from XXXX  through venmo and when trying to withdrawal to my bank they suspended my account because i had 2 open venmo accounts. They asked me to send proof that the accounts were mine and i sent the proof and now theyre holding my money for 180 days
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX  Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX XXXX as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.
Product: Debt collection

There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from Capital one and sold to this collection agency. I am filing a claim against Capital one as well. I received a notice from XXXX XXXX XXXX. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX and Capital One on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but XXXX would send me a printout of incorrect information. I have NEVER did business with Capital One, but XXXX is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from Capital One. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record. 

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to XXXX. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
Product: Credit card

Having multiple credit cards, I gave discover the wrong passcode to my account. They immediately transferred me to the fraud department, without my knowledge. All of a sudden it went from courteous service to someone who was brief and dismissive. The personal questions they asked about my life are pulled from public records and they were not accurate. So they continued to lock my account despite them having incorrect information. I was finally able to activate my card but I felt such a difference in service when transferred to the fraud department. While Discover 's goal may be to put the customer first, they clearly do not treat all customers equally. Furthermore, their disinvestment in technology systems which could speed up the credit card activation process is eye-opening. They could not verify me by sending a passcode to my phone or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was divulged to an unauthorized third party by Equifax due to extremely inept cybersecurity practices in use at the firm. My data, including my SSN and other sensitive information, is now being held by an unknown entity without my consent.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX account Number : XXXX Has reported that my account has been charged-off while continuing to report a balance. According to the IRS Code ( Internal Revenue Code - IRC, 6050P ), when a debt is canceled and claimed as a loss, a 1099-C form should be issued to declare that cancellation as taxable income. I have not received such a form. 
and still continue to report an outstanding balance to the credit bureaus, which constitutes a violation of the FCRA. 

And also, I believe that the information currently reported is inaccurate and potentially incomplete, violating the requirements established under the FCRA, 15 U.S.C. 1681e ( b ), which mandates that all entries in credit reports must be complete, accurate, and verifiable. 

The balance of {$5100.00} exceeds the original credit limit of {$4500.00}. This needs to be clarified, as it could represent unauthorized interest or fees beyond the original terms of the agreement. 

In previous disputes, no evidence was provided to substantiate the accuracy of the reported data. I request that you initiate a detailed investigation with XXXX XXXX to confirm the validity of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back in forth with XXXX XXXX for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with XXXX XXXX and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment XXXX reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because XXXX attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX XXXX did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full XXXX is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.
Product: Mortgage

This is an on coming issue with Wells Fargo approving then denying the short term forbearance. 

The latest was on XX/XX/XXXX at XXXX XXXX  XXXX, XXXX from Wells Fargo called, Im calling about your XXXX past due mortgage payment. I explained its due to loss of income. He asked if it was COVID related and I replied yes. He did a warm transfer to another department and XXXX XXXX picked up the call. XXXX XXXX asked if my hardship was due to COVID and I replied yes. She placed us on hold to review the account. Upon her return she apologized for the lengthy hold but she wanted to review the investor guidelines and my account. 

XXXX XXXX read the investor guidelines and stated the account qualify for up to 18 months. The short term forbearance will be granted in 3 month increments. She continued to read the other guidelines and asked if I agree and placed me on hold to code the account. Upon her return she stated no further actions are needed at this time and I will receive an approval letter in 7-10 days. 

XX/XX/XXXX at XXXX XXXX XXXX XXXX from Wells Fargo called and asked if she could assist with collecting the past due amount. I informed her on XX/XX/XXXX XXXX XXXX approved the short term forbearance and stated I would receive an approval letter in 7-10 days. XXXX then stated the system indicates they did not receive a response when calling. She placed me on hold, then transferred me to the home preservation department. 
XXXX answered the call and asked us to hold to review the account. Upon his return he stated yes I see the representative coded the account for the short term forbearance but your investor only allow 6 months. The representative read the standard messaging. My wife replied I find that hard to believe that all your accounts have standard messaging and they are not coded by the investor guidelines. She asked XXXX to file a formal complaint and have the office of the chairman contact us. Once again Wells Fargo is exercising unfair business practices. Are they only granting this relief certain types of people and not by investor guidelines? My wife asked XXXX to please ensure you indicate Wells Fargo called us and offered this assistance. 

This is not the first time this has happened. Yet Wells Fargo always reply will an allege system error. If the system error on my account was fixed on XX/XX/XXXX as they stated why did I receive a short term forbearance letter in XX/XX/XXXX stating I was on a short term forbearance and the monthly statement also displayed the same information. 
We are now in XXXX, yet Wells Fargo called me and offered this arrangement plan and denied in later. They must be held accountable for their actions. 

They can't continue to change credit reporting information to match their error and not be held liable. 

After asking many years for my investor name, it was provided last month. I'm sure XXXX would not be pleased to learn of the horrible customer experience Wells Fargo is repeatedly providing on their investments. 

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

On XX/XX/2022, my wife and I submitted an official complaint to the XXXX XXXX XXXX, in relation to Shellpoint Mortgage XXXX ( based in South Carolina ) Shellpoint recently reported a late mortgage payment to the credit agencies, which resulted in a significant deterioration of our credit score. We kindly requested that the situation be reversed given the considerable hindrances presented by the Company to set up a recurring payment on Shellpoint 's website from the beginning, which eventually resulted in this late payment situation. ( Please see attached information ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. Therefor The account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. MY FTC REPORT IS ALSO ATTACHED BELOW! 


ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. 
This ACCOUNT should NOT be furnished on my consumer report as they in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY,
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my documented attempts to rectify the situation. 

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. These inaccuracies have had adverse effects on my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 


Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated time frame. 

I have taken considerable care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

Enclosed with this complaint is a copy of the dispute letter sent to TransUnion and XXXX response.
Product: Debt collection

I contacted XXXX to inquire about lowering my monthly bill. They suggested I do automatic withdrawal. I decided against having it automatically deducted so I did nothing. I continued to make my payments on the first of the month ( 2 weeks before they were due ). Six months later I decided to change service providers and was told that since I had inquired about automatic deduction ( which I did n't ) I had entered into a new contract and there was a cancellation fee of {$150.00}. I signed nothing, simply inquired about lowering my monthly bill since I am on a fixed income. I either pay or my credit rating is affected.
Product: Mortgage

My escrow account is increasing my payment on my 2 year anniversary, which is completely acceptable, they will not remove my PMI payments because my loan is not 2 years old yet. Also on there website it states that my Loan to Value is 66 %. So they will not even think about taking the PMI until after my 2 year anniversary. 

Spoke with them ( Mr. Cooper ) on an on line chat with an escrow specialist and that is where I got my information on XX/XX/2023. 

They will not take any action until after my anniversary but I have to pay my increase before that.
Product: Credit reporting or other personal consumer reports

I am in telephone auto triage XXXX. I keep trying various options but ultimately am offered instructions on how to reset my password on line ( where my credentials ( social security number and birthdate are rejected ). When I ask for an agent I am told I can't be connected to an agent but they can mail me instructions on how to reset my password on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I got a title loan in 2020 for XXXX dollars. I paid that off more than once. But they stuck me with almost XXXX in interest. Which caused me to lose my car. But the loan was payed off and then some. But they kept hiking me up on the interest. I feel like I deserve to get some of the XXXX $ back that I paid for on a XXXX $ loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procesr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I refinanced my Chase Auto loan to XXXX. XXXX sent payoff to Chase via XXXX  and it was received on XX/XX/2021 ( tracking and proof of delivery attached ). Chase has been unable to locate the payment and has not processed the payoff check despite multiple calls and providing all requested info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with Elan Financial Services. I got behind on this account, and Elan closed the account in XX/XX/2017. I later paid off the balance in full. However, Elan has kept the phrase " {$1400.00} written off '' as part of the Current Status. This is very misleading since I paid it off years ago. I have disputed this with Elan multiple times, and they will not change it. From a credit reporting perspective, it essentially did me no good to pay off the account.
Product: Debt collection

Incident Details : Date of Initial Contact : On XXXX, I received a notice from Wakefield & Associates regarding an alleged debt.

Debt Verification Request : On XXXX I sent a formal written request to Wakefield & Associates asking for verification of the debt. This request was made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
The letter was sent to : Wakefield & Associates XXXX XXXX XXXX XXXX ATTN Return XXXX, TN XXXX Lack of Response : Despite my request, Wakefield & Associates has not provided any written verification or documentation to substantiate the debt. 

Harassment Through Calls : Following my request for verification, I have been subjected to repeated and harassing phone calls from Wakefield & Associates. These calls have persisted despite my clear request for communication to occur only in writing and have caused significant distress.
Product: Mortgage

Dear Sirs, My spouse and I recently applied for a conventional mortgage. We were " pre-qualified, '' made an offer, and obtained a ratified contract. We supplied all documentation requested and answered all questions. One month later, we were denied out of the blue on the sole basis of our student loan balances. We were not informed that 1 percent of our student loan balance would be used as our payment amount. That is not our payment amounts, which are reflected on our credit reports. The 1 percent payment amount is 8 times larger than our actual income-based payment amount. We can easily afford the property other than this arcane regulation requirement. Complaint 1 - the lender ( Credit Union Mortgage Association , Inc. ) NEVER informed us of this requirement. This resulted in wasting time, energy and money for all parties involved ( buyer, seller, agents, inspector, appraiser, not to mention CU staff ), expending monies ( appraiser, moving deposits, etc. ), and signing a contract without full disclosure of necessary information by the lender. Complaint 2 - Why is XXXX ( I found the rules on my own ) requiring lenders to count 1 percent of student loan balances as the payment, when that is not the actual payment? Income-based plans are legally available to all borrowers. For some unknown reason that discourages business, Americans with student loans balances will often be unable to qualify based upon this provision alone. It is antithetical to good business.