23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided Experian a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. This is my final amicable attempt to resolve these inaccuracies.
Product: Credit card or prepaid card

I purchased a couch for {$1500.00} on XX/XX/XXXX under a promotional financing 0 % interest for 12 months. I then made several traditional purchases in the amount of {$530.00}. I then paid approximately $ XXXX/month for 12 months, eventually totalling {$1600.00} over 12 months. My XXXX statement balance was {$520.00}. I was then charged {$320.00} in accrued interest on XX/XX/XXXX for my original promo financing purchase ( which occured 12 months prior ) based on the entire original purchase amount, even though I have paid off almost all of that original amount. How is this not illegal? This is downright predatory.
Product: Mortgage

In a reply to a complaint # XXXX the bank 's response was that the bank has a right to foreclose on my home. I say no, they do not have that right. The documents sent with the response is not valid as the modification that was offered to me in reply to my questioning where my payments were going was withdrawn in a letter dated XX/XX/XXXX. Also the modification documents were signed by XXXX and XXXX XXXX XXXX and the notary stamp is only to our signature. The bank never signed and send us a copy. The modification was never recorded even though this was an amendment for a mortgage over {$190000.00}. The modification was never submitted to the court in the filing of the lawsuit. The notice to owner submitted in the case was from the modification so the whole purpose of the modification was to have a notice to owner for a larger amount owed. My bankruptcy stands. In a notice to the bank that is recorded in XXXX XXXX Florida, Doc # XXXX B : XXXX XXXX dated XX/XX/XXXX a suggestion of bankruptcy letter was sent to the bank. The bank had a fraudulent judgment that was dated XX/XX/XXXX already and never asked to lift the stay on my request for bankruptcy. My estate was closed with my homestead property intact. This bank keeps saying to contact the new servicer who would have no knowledge of what went on since XX/XX/XXXX. No you are the ones that ruined my credit and then tried to steal my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes informing Equifax of the inaccurate information that is being reported on my credit. They have knowingly violated my rights by not following the proper procedures and continue to report the inaccurate information. All communication to them is attached.
Product: Checking or savings account

For the past year, Wells Fargo has been Manipulating the order of my purchases for direct deposits so that they can get overdraft fees constantly. I brought it to their attention. I've contacted the XXXX XXXX XXXX They sent me a letter. Told me they were gon na get back to me. As soon as they could, but it was exceeding the 10 days. anyways. Thought I'd go to consumer finance. See if you guys could offer anything. As far as a resolution.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXXXXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXXXXXX XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Tied to an open account ( Auto Loan )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XXXX a purchase ( XXXX ) made using Ann Taylor Credit Card was made. On XX/XX/XXXX a return was made that refunded most of the cost ( XXXX ). On XX/XX/XXXX a payment was made of ( XXXX ). On {$29.00} dollar balance, I have received {$100.00} dollars in fees as of XX/XX/XXXX. when contacting the CC, I have received multiple push back on refunding some of the fee cost. as of XX/XX/XXXX, I have paid {$50.00} and only received {$40.00} in returned fees. the amount of fees being charged is excessive and the level of customer service is mediocre. I even got a rude and unprofessional comments from XXXX one of the banks customer service personal.
Product: Mortgage

In XXXX XXXX I called Wells Fargo Home Mortgage ( WFHM ) and spoke to a customer service rep concerning my mortgage payment for that month. Since i was still in the " grace period '' the customer rep offered a repayment program called a Temporary Forebearance Agreement. Under this program the XXXX XXXX mortgage payment would be deferred and repaid in XXXX equal installments over the next 3 months. The repayments would be in addition to the normal mortgage payments due at that time. 

I asked the customer rep it entering this program would reflect negatively on my personal credit report. Her response was that if i complied with the terms of the agreement then nothing negative would be reported to any of the reporting agencies,. However, in order to participate in the program i had to agree to allow WFHM to debit my account when the XXXX XXXX, XXXX XXXX, and XXXX XXXX mortgage payments came due plus add XXXX of the deferred amount to the total. In addition, since the agreement was made during the XXXX XXXX grace period I would not be considered delinquent. 

I agreed to the terms as i understood them at that time and provided the customer rep with my account number and I did not make the XXXX XXXX mortgage payment. The program was completed in XXXX XXXX and the obligation completed. 

Two problems have arisen for me as a result of this agreement with WFHM : 1 ) The missed payment somehow grew into XXXX delinquent payments 2 ) The aforementioned alleged delinquent payments were reported to XXXX, XXXX XXXX, and XXXX consequently negatively effecting my credit and credit score In reviewing the mortgage summaries for these periods and item labeled " Applied Funds '' appears. It seems that when WFHM debited my account they did not know where to apply the funds. The complete payments might have been placed in an escrow account and neither the regular nor deferred payments were properly credited even though paid per the agreement and on time. Since WFHM presumably designed the program and offered the product to customers it seems reasonable to think that they would have known how to manage and operate it. Once the funds were debited I had no control over how the funds were treated.Of course the customer suffers from the banks inefficiencies. 

Lastly, i did not receive a copy of the Temporary Forebearance Agreement until XXXX XXXX. As a result fully understanding the terms was different than what was explained by the customer rep. WFHM claimed that my conversation with the customer rep was recorded but when pressed to produce it they could not. So it becomes a case of my word against theirs.
Product: Mortgage

I am XXXX Militaty Vet and get paid at end of month. Called several times explaining situation to see if could get payment date moved to end of month so to stop incurring late fee every month! Seterus refused to work with me in any way! I was told to get one payment ahead I would n't have this late fee problem! Well if I had the money to get a payment ahead I would do that but I do not have the extra money!
Product: Debt collection

I also submitted a debt collection complaint for the company this collector is representing, XXXX. I had never received a bill from the original company, nor an email, nor a phone call to know if I even had a debt. My account was closed and paid in full over the amount of the said bill. I have a forward in with the mail and informed consent delivery, so I have never seen or received anything from XXXX. So today I got a text from this company called IC System telling me I owed a debt and to click on a link. I thought it was a scam so I called XXXX to tell them and sure enough they said they sold the debt without even telling me in any way or giving me a right to dispute it. I asked them why they would go to this extreme when I was a customer for 10 years and they had all my info? They said they would usually send out a final bill and courtesy call, but in this case that wasn't certain. They never said anything was attempted. XXXX wouldn't take payment because it had been sold. I have had identity theft and fraud and this is completely negligent and unprofessional for them to sell my account. Furthermore, the debt collector IC systems wanted me to click on a link to enter my zipcode as a password. I don't even know who these people are, I never saw any verification letter and how do I know some tracking device or malware isn't going to be put on my phone. I want restitution for this ridiculous matter that could have been taken care of if I knew about it. I am not paying a debt collector, not am I giving any info to someone for something I don't owe.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. 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

Transunion placed an unauthorized security freeze on my credit when I need to have my credit pulled so I can move. They have done this to me twice already. I was an identity theft victim whom they did nothing for until I hired a credit repair company. Transunion sent me a letter suggesting I work with them to fix my credit. I terminated the credit repair company and suddenly I have a freeze on my credit and no changes. 
I sent a letter with a copy of my driver 's license, social security card, bank statement and another copy of my police report dating back a few years ago. I have to move. The house I am renting has mold and I am getting sick. I have already given my deposit to the property I want to move too and application so I can move in two weeks. Today when we went to pull my credit I was told I have to call Transunion. Same thing that happened to me before. This is the second time I have had to submit proof of identity and its unethical. I have been treated as a criminal not a victim.
Product: Credit card or prepaid card

An account was open with Comenity Bank XXXX XXXX XXXX XXXX in XXXX of 2021. The opening balance on the card was {$5000.00}. On 4 occasions the credit card company has been paid. XXXX {$500.00}, XXXX {$350.00}, XXXX {$250.00}, and {$350.00}. Totaling {$1400.00}. The checks sent to the correct po box XXXX with the correct account number on them have been received and cashed by the company. However, on SEVERAL occasions I have reached out to the company with no luck. 

After entering a formal dispute with the company, they still reported delinquency to credit score agencies. I was also told that they believe one of their employees may have stolen this money. 

Comenity is still harassing me for past due money, in which I have paid.
Product: Mortgage

On XX/XX/2022 I signed a modification agreement with my home mortgage servicing company and I realized that none of the provisions in this modification were helpful to me or even what a modification is supposed to do to help me as a homeowner. I began to communicate with my mortgage servicing company at the beginning of the Covid pandemic. I lost my job because my employers retired and close the office. I contacted Select Portfolio and they requested documents from me to determine whether I would be eligible for a modification. Shortly after the first communication I was told that the owner of my mortgage did not offer modifications. I explained my situation and provided them with proof of my situation. I knew that the government was offering forbearance for homeowners during the Covid so I explained to Select Porfolio that I was XXXX XXXX XXXX and it was difficult for me to find employment and told them I was going to XXXX XXXX XXXX XXXX XXXX XXXX for extra income but that it would have been difficult for me to make the payment and asked if I could get some kind of relief. A few months later Select Portfolio sent me a letter stating that I had been approved for a modification. I thought it was going to help me and I immediately signed the document that was sent to me and then I was told that I had escrow arrears and that in addition to the mortgage payment I was going to pay extra.
Product: Debt collection

So my sister received a call from some collections firm representing  ACE Cash Express.  The firm stated that they have been unable to reach me and told my sister that she needed to contact me to notify me that they are threatening criminal charges against me for and unpaid debt i had in the amount of  XXXX  dollars from  2015. Als o that the needed to serve me papers at my place of employment of a law suit as well for Fraud. the released all this information to my sister who is only a reference. She then contacted me and gave me the firms contact information. So I called and was willing to make a payment arrangement with the firm after being threatened in the same manor, with a law suit and criminal charges and coming to my place of employment. I then told the woman i was speaking with if i could speak to someone else because she was being extremely rude and yelling at me and she said no. She stated that that was my only option was to pay  XXXX  every  2 w eeks I said I was not able to do that and she said well we are pressing charges on you then and proceeded to hang up on me. The woman would not give me her name either. This has caused so muc h   stress on  me at the moment my fathe r is really sick   XXXX  in th e  hospital and then i receive these threats. Is there any insight on this matter? The contact person that contacted my sister left the following information :  XXXX   XXXX   XXXX  Case #  XXXX
Product: Mortgage

Mortgage on my condo serviced by Ditech Financial LLC, XXXX SD. Phone XXXX ; however when calling that number I get a customer service center in XXXX TX. 

Sold and closed on condo on XXXX XXXX. Ditech claims they mailed me a check for the balance of my excrow account in the amount of {$650.00}. Check did not arrive. Told there would be a wait until another check could be issued. Followed up and was told another check had been issued and mailed. They always tell me it will take 10 to 14 days for the check to arrive. That check did not arrive. Telephoned and insisted on talking to a supervisor. He, XXXX, told me that they are having system problem and although system showed payments being made, in fact, they had not. Told checks will now be issued on XXXX XXXX, XXXX. He told me it would be 10 to 14 days for check to arrive!!!! His extension at the above # is XXXX. I checked with XXXX. In XXXX they settled over XXXX complaints against Ditech and over XXXX complaints in XXXX. 

The condo is located in XXXX IN. Address is XXXX IN XXXX
Product: Mortgage

My wife & I closed on our house XX/XX/XXXX. The purchase price of the house was {$140000.00}. At the time of closing, our house appraised for XXXX. We put 10 % down & therefore knew we had to pay PMI until we received 20 % equity or a LTV of 80 %. My wife & I paid an extra {$600.00} per month regularly along with our monthly payments to get our LTV down to 80 % as quickly as possible to removed PMI. Since closing a little less than 2 years ago, we have paid approximately {$11000.00} extra towards our principle. In XXXX of XXXX, we met our 80 % LTV & contacted Wells Fargo. They informed us that in order to remove PMI we would have to either A ) pay to have a new appraisal done or B ) get 78 % LTV. We crunched the numbers & decided it was financially better to apply the appraisal fee to our mortgage as oppose to actually having one done. In XXXX of XXXX we reached an LTV of 77.7 % or 22.3 % equity. I was told that our PMI would be removed automatically but when I called into Wells Fargo, they had to submit my request. A few weeks later I got a rejection letter saying that I had to pay to have an appraisal done to remove PMI despite having a LTV of 77.7 %. They also said that the appraisal would not ensure that PMI would be removed. I told them many times this is not what I was told in XXXX of XXXX, this is not what it says on our mortgage or any of our documents we received at closing & that according to the Homeowners Protection Act of 1998, they are breaking the law & that PMI should have been automatically removed at 78 % LTV. In XXXX & XXXX of XXXX, I called Wells Fargo at least a half dozen times. I have spoken with people at the executive office as well as had cases opened up on my behalf. Nobody is willing to help me & they keep telling me I have to pay for a new appraisal at my own expense. During this process, I discovered that although Wells Fargo manages my Mortgages, XXXX XXXX owns the mortgage. I have also reached out to XXXX XXXX numerous times, had cases opened up & still nobody is willing to help me. 

I'm writing this complaint to notify you that Wells Fargo & XXXX XXXX are breaking the law when it comes to the Homeowners Protection Act of 1998 ( Public Law Number 105-216 ) & taking advantage of consumers by over charging them PMI. I'm also writing you to get this resolved ASAP & remove PMI from our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a mortgage we opened with Wells Fargo, back in XX/XX/XXXX. ( FHA ) Unfortunately it was foreclosed upon us on XX/XX/XXXX. Wells Fargo is incorrectly reporting that it was foreclosed in XX/XX/XXXX. That inaccuracy is preventing us from purchasing a new home. I have gone nonstop back and forth with them about this error and they are refusing to fix it. I am attaching the actual letter and legal documents showing the sale took place XX/XX/XXXX. 

House was under XXXX XXXX XXXX XXXX XXXX. 
XXXX. TX XXXX. 

Our current address is XXXX XXXX XXXX XXXX . 
XXXX TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX this account below is violating my rights. 

Account # XXXX Account Name : XXXX 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.

per the state 's Code of Civil Procedure 337
Product: Checking or savings account

I was a Simple Bank user. BBVA USA acquired Simple and closed it this past weekend. My account was supposed to seamlessly transition to BBVA but their mobile app crashed in the process and I have been unable to access my account for 5 days now. Communication with BBVA has been sparse and there is no hint of a solution for this. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treaty payment on a credit card account under an open end consumer credit plan as late for purpose.

this is exactly what it say. a
Product: Debt collection

I never opened a credit cards account in my life. I want to fixed because I want to buy a home and I want to resolved that situation. Somebody opened account on my name with my social I report my social card stolen time ago and I dont know who opened this accounts.