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

When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the XXXX XXXX XXXX in XXXX of 2018 and was informed that my loan was with XXXX and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Not Mine XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX Not Mine XXXX XXXX XXXXXXXX Not Mine XXXX XXXX XXXX Never late on this account XXXX XXXX  XXXX Paid/Never Late
Product: Credit card or prepaid card

companies refuse to permanently reverse reported fraud charges, even after numerous claims and being informed of fraudulent charges being opened under name
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes benz financial has reported a 30 day late on my credit report and it is in error. I was not late with the account payment. I kept explaining to them that their reporting on my credit report was incorrect. late amount is {$1900.00} in XXXX 2022. 

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Product: Credit reporting

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These address do not belong to me my address is XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update to Complaint # XXXX Received this letter by XXXX from XXXX XXXX on XXXX, also received a call from the representative that this may take up to 90 days for " Forbearance '' to be removed from my credit report. 

My mortgage is paid in full, including the two month " grace period '' XXXX XXXX offered. 

The Original Complaint # XXXX submited XX/XX/2020 I hold a home mortgage with XXXX XXXX, and they have been on autopay up until XX/XX/2020. XXXX XXXX offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or lending institutions did this.
Product: Bank account or service

I signed up for a business checking account for my son to start a new t-shirt, screen printing business with Wells Fargo Bank XXXX/XXXX/XXXX. I deposited {$2500.00} to open the account, which I thought was a simple checking account. The business was in my son 's name and registered in the State of XXXX, I live in XXXX. 
On XXXX/XXXX/XXXX I went into the local Wells Fargo branch and met with a Banker to remove my name from the checking account and leave it solely in my son 's name. I completed the paperwork with the Banker and thought that would be my last involvement with the account. 
About the 3rd week of XXXX XXXX, I received a call from my son in XXXX stating that Wells Fargo had contacted him regarding his outstanding balance of over {$9000.00} and that I was personally responsible for the balance which was on a credit card tied to the checking account. I never signed up for a credit card on the checking account and had removed my name from the account 9 months earlier. 
The final result of this was that Wells Fargo charged {$1300.00} in overdraft fees and almost {$1900.00} in finance charges in the approximately 9 months that the account was supposedly in the hands of my son. Wells Fargo came after me for the $ XXXX and eventually I agreed to pay {$9000.00} to avoid the ongoing monthly charges and the ding to my credit each month. 

They said I agreed to this credit card on the checking account and that when I removed myself from the checking account I should have also told them that I wanted myself removed from the credit card. How could I possibly ask to do that when I did n't even know there was a credit card attached to the checking account? Should n't the Banker I worked with to remove my name in XXXX XXXX have told me that there was a credit card attached to the account and that I was responsible for any activity in spite of removing my name from the account? 
I feel I was told to sign things which were not explained to me and should not have been responsible for anything more than a simple checking account with an initial deposit of {$2500.00}. 
I plead my case with the local branch manager, the local District Manager and his Boss in XXXX and was told I had signed the forms and I was responsible, no negotiation. 
I feel Wells Fargo owes me {$9000.00} and a full apology for the time and aggravation they put me and my son through.
Product: Credit reporting or other personal consumer reports

XXXX XXXX stated in a complaint against them that they will delete this account from each reporting agency. I tried reaching out to XXXX and equifax to have this information remove with proof from XXXX XXXX saying they will delete this information from my credit report and they both fail to stop reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Product: Student loan

I have 6 loans with Navient I am only able to pay three. The other three I have offered XXXX for each as a good faith effort but they tell I need XXXX. If they lowered the interest to zero then paying low would be affordable but I cant afford to pay what they ask and they dont want to accept anything I have to give they only threaten me with litigation what can I do to solve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account.
Product: Debt collection

There are two issues. One is the validity of the debt, and the second is the fact that I asked them to stop contacting. I sent a letter certified, return receipt asking them to stop contacting me. They continue to contact me.
Product: Credit reporting or other personal consumer reports

According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. 

1. ( XXXX XXXX account number XXXX ) 2. ( XXXX  XXXX account number XXXX ) XXXX. ( XXXX  XXXX Account number XXXX ) 4. ( XXXX Account Number XXXX ) I would like these accounts removed if no evidence is provided that I was notified 21 days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or CAIVRS. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Debt collection

Repeated phone call from independent recovery resources they also call themselves IRR. # 's they call from non stop XXXX, XXXX, XXXX, XXXX, XXXX. Non stop throughout the eveni g. When I asked for a verification of this debt they have nothing. When I called and told them to stop the robocalls they told me they handed this off to an attorney and I was going to be sued
Product: Credit reporting or other personal consumer reports

I have a debt on my credit report from consumer adjustment co. It was on my XXXX. The date it was XX/XX/XXXX. I paid it through C.A.C.I. as when I opened the number provided it was redirected to the C.A.C.I. portal for debt repayment. Here is the number provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had made several payments throughout XXXX XXXX XXXX. Here is my reference number XXXX The initial amount was for more than what XXXX has posted. Roughly XXXX ( I'm not sure if the first payment of XXXX was with an additional fee for credit charges ). 

The amount that is posted currently for this previous XXXX XXXX ( while I was uninsured and actually told they offer a self pay and financial help if uninsured, which was never given and no resources for it provided. I didn't receive the bill but it was sent to collections instead ) the bill is for {$1100.00}. Which i have paid. 
I have disputed this charge several times through XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Nothing was changed or adjusted. Despite me sending proof of payment from C.A.C.I. 
I could never reach the original credit being, XXXX XXXX XXXX XXXX XXXX. There is no posted direct number for them but instead for C.A.C.I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXXXXXX {$2800.00} XXXX {$0.00} DEPTEDXXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX {$5800.00} XXXX {$0.00} XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my Experian credit report. Both  XXXX     XXXX    and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact Experian and that Experian would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.
Product: Credit card or prepaid card

On XXXX/XXXX/2017 I made a purchase for {$490.00} but only paid {$200.00} up front. The {$290.00} were going to get placed onto my credit card within 7 days. I contacted Capital One to dispute a purchase I made XXXX/XXXX/2017 in the amount is {$200.00} on my credit card account after attending a seminar that was held at the XXXX XXXX in XXXX La. Me and my husband discussed we did n't want the services we paid for and decided to cancel the transaction. I tried contacting the company XXXX several times the same night and following day and could not reach them by phone. I emailed the company and did n't receive a response. I disputed the charge through Capital One because I had up until 3 days to cancel the order according to the agreement. XXXX XXXX granted the request and deducted the {$200.00} payment from my account. The company XXXX contacted me on XXXX XXXX, 2017 by email stating they were refunding my {$200.00} back into my account. XXXX XXXX, 2017, Capital One sent a letter to me in reference to XXXX reimbursed me for {$200.00}. And because I received a payment from Capital One and XXXX I was reimbursed {$200.00} from both companies. And capital one decided to reverse the {$200.00} transaction back into my account. At this point everything should have been taken care of concerning this transaction. I called capital One and asked them to remove my email from their marketing list. They removed my email address. On XXXX/XXXX/2017, I received an email again stating my credit card account had a freeze on it because an issue with the XXXX transaction that was made on XXXX/XXXX/2017. This transaction should have been settled a long time ago. I feel there is a privacy issue taking place. Every time I call capital one I 'm put on hold and this problem has not been solved. I have all the documents to back up my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX for {$6100.00} NCA for {$530.00} and {$390.00} XXXX XXXX for {$110.00} Please remove accounts these accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 


Please immediately delete the following accounts immediately from my credit report! 

XXXX XXXX CHARGE OFF {$880.00}, XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF {$1100.00}, XX/XX/XXXX XXXXXXXX XXXX XXXX CHARGE OFF {$620.00}, XXXX XXXX XXXX XXXX CHARGE OFF {$740.00}, XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF {$29000.00} XX/XX/XXXX When a Creditors writes off a debts after a set amount of timefor example, one, two, or three years after you default. The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden. The same is true when you negotiate a debt reduction. The creditor will report the amount you didn't pay to the IRS. 
Of course, the IRS still wants to collect tax on this money, and it will turn to you for payment. Because you no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which you should pay income taxes. ( That additional income might also affect your state taxes. )
Product: Checking or savings account

Truist, the old SunTrust, overnight change the way they process debits and credits. For 15 years it has always been the same and I know what nights they process and what nights they dont. They have change that with no notification to their customers so that they can bounce checks on people and charge fees. They are also now holding transfers from one SunTrust account to another which they have never done. They have always been instantaneous. This new Bank is a total mess and its causing me tremendous problems in trying to navigate the new system which they are keeping a secret from the customers.
Product: Checking or savings account

In my company benefits, which are provided by ADP, I set aside funds to pay for dependent care every year. My expenses are generally run higher than that. In the year that ran XX/XX/XXXX - XX/XX/XXXX, I set aside {$5000.00}. These funds are kept at a XXXX XXXX XXXX account in XXXX XXXX. At some time before XX/XX/XXXX, I submitted a claim for about {$3100.00} of expenses for daycare. These were reimbursed to me. Then I continued paying for my daughter 's care, waiting for the total to exceed {$1900.00} so that I could submit the next claim. 

After the benefit year ends in XX/XX/XXXX, I only have two months ( XX/XX/XXXXand XX/XX/XXXX ) to submit a claim for the rest of my dependent care expenses. But in XX/XX/XXXX, my husband of 8 years, partner of 11 years, and the father of my XXXX children, broke up with me. I spent most of XX/XX/XXXXand XX/XX/XXXXand following months in therapy. I cried at work and barely made sure bills were all paid on time. 

When I checked the XXXX XXXX  site in the fall, it looked like I could still submit a claim against that account. I could click " I want to ... '' and then File a Claim. So I wasn't worried I was out of time. I gathered the needed documents at the end of the calendar year, when I requested the daycare to send me my expenses during XX/XX/XXXX. On the XXXX XXXX  site, I tried to submit a claim, but it didn't work. I talked to someone on the phone and they suggested I mail the claim in and explain my circumstances. I did that. My claim was to be reimbursed XXXX ( the amount available from my XXXX XXXX XXXX ) out of a total expense of XXXX that I incurred in spring XX/XX/XXXX. 

XXXX XXXX  denied my claim on XX/XX/XXXX, saying that the plan year had already ended. I submitted an appeal, explaining that the major life event in my life ( my marital separation and my subsequent mental state ) made me incapable of submitting a timely claim. XXXX XXXX  denied my claim another time on XX/XX/XXXX. 

I called XXXX XXXX  on XX/XX/XXXX to seek what are alternative ways I can access those funds. If I can not use them for dependent care purposes, perhaps I could pay the taxes and maybe a fee, but get some of it back? They said it's all in the hands of ADP. I called ADP immediately after, and they said it's up to XXXX XXXX, but that generally the funds will be forfeited. They also told me that the funds will probably go back to ADP but there is no way I can get any of that money back. 

I am losing {$1800.00}. I'm not even asking to use that money to pay for dependent care. I just want to get a portion of it back because it takes me weeks to earn that money through my job. XXXX XX/XX/XXXXdid not acknowledge my circumstances in denying my appeal. It was like the appeal process was a joke, just a semblance of control, but really they don't read it. In the meantime, I am incurring a lot of expenses associated with the divorce, so it's very disappointing that my own funds -- set aside to pay for child care -- are being forfeited to ADP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is not reporting my student loan to XXXX or XXXX
Product: Mortgage

My wife and I refinanced our home in XX/XX/XXXX and we received a 6.50 % interest rate with Wells Fargo and after facing financial problems caused by a curtailment of income, we sought a loan modification in XX/XX/XXXX to request to lower the interest rate to the conforming rate of 3.75 % or lower such as 2.0 % for a specific term. We applied for a loan modification through the Making Homes Affordable Program ( HAMP ) and we were denied in XX/XX/XXXX because Wells Fargo could n't verify all of our information that we submitted. We resubmitted the documents to Wells Fargo and after a long review, we were denied again in XX/XX/XXXX due to Net Present Value. The denial provided data that we did n't agree with such as our home having HOA dues/fees of {$69.00} a month and the household income was n't calculated correctly. We appealed the denial and were denied the appeal process because of NPV evaluation. Wells purported that because a " drive-by '' appraisal was used to determine the value of our home at {>= $1,000,000} against an unpaid principal balance of {$780000.00}. Wells has never completed an interior/exterior appraisal as our home requires at least {$250000.00} in upgrades and our own appraisal valued our home at {$920000.00} " As-Is ''. However, when we checked our NPV using XXXX, the website said that we qualified and may be eligible for a loan workout. Hence, the first time we checked the XXXX  website in XX/XX/XXXX we qualified for a HAMP loan modification because our principal balance was below the {$720000.00} limit. In California, the statute for NPV in a mortgage application for a loan modification is Cal. Civil Code 2923.6. It states that the anticipated recovery for the investors must be more than the initial loan modification. A foreclosure on the property will get about {$800000.00} and after attorney costs, fees etc., the investors would net around {$750000.00}. However, a loan modification would generate Principal & Interest payments of {>= $1,000,000} through maturity. Thus, Wells is non-compliant to California law and to the date on the federally mandated XXXX tool on the making homes affordable website. Although our balance is over the threshold, if we provide the UPB before the modification amount as illustrated on the XX/XX/XXXX denial letter, we qualify for a loan modification. However, after submitting the positive results to Wells Fargo on two different dates ( in XX/XX/XXXX and XX/XX/XXXX ), Wells still denied our loan from being modified