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

I file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX ) is included in my bankruptcy case which is not supposed to be, I contacted XXXX, XXXX and Experian and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my TransUnion credit report that is not mine or associated with me. I have filed several disputes, but they have not shown me when I and this account from XXXX XXXX XXXX XXXX ever establish any business relationship. Therefore I am asking that this account please be removed as it is detrimental to my credit report.
Product: Debt collection

Convergant is collecting on bad debt that was purchased from XXXX. FCC ordered XXXX to be removed from credit bureaus from excessive fees that was fraudulent charged.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit, I suspect identity theft, I contacted the FTC and did a report, filed a dispute with all three credit bureaus but there are still items reporting. 

The disputed items are : XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXX {$1500.00}
Product: Money transfer, virtual currency, or money service

I received a fraudulent text claiming to be Bank of America at XXXX on XX/XX/2022. This text was asking if I had made a {$3500.00} XXXX transfer. I immediately located Bank of America 's fraud support from their mobile app. I was placed on a callback list because all representatives were busy. I was waiting for the callback, and received XXXX from the same phone number that I had called before. I believed that the person I was speaking to was a Bank of America representative. They asked for me to verify my phone number, name, and recent transactions. They then walked me through a XXXX transaction. At this point I began to ask questions because this is not standard. While under the impression that they were a legitimate representative of Bank of America, {$1200.00} was taken from my account. I later realized it was fraudulent and contacted Bank of America 's fraud department once again, and scheduled an in-person appointment at a local branch. My claim number is XXXX. 

I'm filing a CFPB case because Bank of America has given the impression that nothing can be done on their end and that an investigation would take up to 45 days. I believe this is contradictory to Regulation E of the Electronic Fund Transfer Act which states that a financial institution must complete their investigation in 10 days and correct the error within 1 day of completing their investigation. I'm hopeful that the CFPB can help enforce this statute and resolve my fraud claim.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX  XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date XXXX inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXA Date of inquiry XX/XX/XXXX XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

From the beginning of the mortgage process the company told me I had enough VA eligibility for both homes ( until I sold the home I was living in ). Through the months of the build process we were told we were fine. The loan went through underwriting and everything no problem. Two days before we closed they told us they made a mistake and never put in the VA eligibility into the loan. This meant in order for us to close two days always we had to put down XXXX dollars on top of the XXXX we already had to start the build process. This pushed back our closing date and cause huge issues with closing on the house we are selling. This institution told me that I would only have to pay XXXX XXXXXXXX XXXX if I wanted to close on the actual date then came back a day later and said XXXX. This wasnt the only issue we had with the lender NVR multiple communication issues and errors happened throughout the process.
Product: Mortgage

After I obtained my Mortgage with Caliber Home Loans I filled out an application to withdraw my payment on a certain day of the month. My first application I filled out was for the XXXX of the month because that's when I got paid. It was approved, however, they started to automatically withdraw a couple of days before the XXXX of each month. In XX/XX/2018 I contacted my loan processor XXXX to which she suggested that since my check didn't come in to my bank until the XXXX, to redo the application to reflect the XXXX of each month. The Mortgage company approved the payment deduction to reflect a XXXX date of the XXXX of each month. In XX/XX/XXXX I contacted my loan processor again and at that time, she contacted Caliber to which they replied that there was nothing wrong on their end and suggested that I contact my financial institution. I called my bank and the CFO to ask the procedure to which she replied that they do NOT take out payments early, they take them out when the debit it submitted. Since XX/XX/XXXX, Caliber has taken my payment early and I cant seem to get a response to find out why, although they did call me to talk about refi programs. I do not understand if you give someone the option to make a payment on a certain date then take it out as you please then why offer it in the first place. When it comes time to refi, I may have to question whether or not I will go with a company that wont stand by what they offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, Equifax and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what happened but there's inquiries that I don't recognize on my credit report. I did not gave anyone my personal information or anything. I want these not authorized inquiries to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses, names, and inquiries are listed in the attached FTC.

FARUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX XXXX, XXXX, MI XXXX Case Number : XXXX Please remove inaccurate reported late payments update to paid as agreed I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory dost of {$1000.00}, as specified in 15 U.S.C 1692k. 
XXXX. Defamation of Character XXXX. Negligent Enhancement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance XXXX. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance XXXX. Failing to comply with 15 USC 1692 ( g ) XXXX. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification XXXX. Violations under 15 USC 1681 a ( 4 ) right to privacy XXXX. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act EdFinancial Services Student Loan, has violated my rights.

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 treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

IQ Data International alleges that I applied for an apartment and failed to pay an application fee. However, I informed them that this was not me and requested a fraud package to file a police report. Despite my request, they have not sent the package and are refusing to provide any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with regions Bank I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with regions Bank they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge regions Bank with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it regions Bank will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Medical Bill on my Credit report that should have been paid by my insurance. I disputed it with all three credit bureaus and XXXX and XXXX took care of it right away through a free service. Experian forced me to pay for their service to get access to the info and then after a long period of dispute refused to remove it from my credit. This is frightening to know that I can be held hostage by a company like this. Side note Experian offers a 1 week free service and conveniently waited till the day after I had to pay to give me my results. End of the day I need to get this of my credit as my bank uses Experian.
Product: Debt collection

My car was illegally possessed on XX/XX/15 with no communication from Westlake portfolio management. Ive contacted them asking for proof of purchase of my vehicle, asked for my original agreement they failed to provide it. But illegally took a vehicle that doesnt have their name as the Lein holder. I need my possession back to my residence because nothing was agreed or settled to even take a car thats not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few months I have received more than 10 Alerts thru my XXXX  XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( Equifax, XXXX  and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.
Product: Student loan

I have been on hold for over 1 hour trying to ask Nelnet to switch my graduated repayment plan to a standard repayment plan. There is no option for a call back or information on how long you will be on hold ( it said Estimated wait time is minutes, without specifying how many ). XXXX, on XXXX and XXXX, it seems hundreds if not thousands of others are having the same problem. This is a federal loan and they have been hired by the federal government to manage it, I did not choose to work with them. Their inability to manage their customer service is concerning.
Product: Debt collection

In XX/XX/2018 I contacted XXXX about late payments placed on my credit. I have several student loans with XXXX and on 2 occasions out of all of my loans 1 has come out of forebearance. My account was placed back into forebearance both times but XXXX placed lates paymets onto my XXXX, XXXX and XXXX   credit reports. I contacted XXXX and was told there was nothing they could do but i dont understand this as my loan was placed into forebearance.
Product: Credit card or prepaid card

On XX/XX/2019 at approximately XXXX XXXX  I received a direct deposit from ssi for the amount of {$770.00} and {$22.00} I then noticed that I couldnt take the money off my account because there were some issues with the card I then contacted XXXX XXXX XXXX customer service lady told me that my card was deactivated on my account I then asked her if she could activate the card so that I could withdraw my funds and she hung up on me I have bills to pay and children to feed I need help with this I then tried logging back into my account and it has locked me out of my account
Product: Payday loan, title loan, or personal loan

I borrowed {$800.00} from this company. I have paid {$700.00} ( {$130.00} first month, {$530.00} second month ) I called the company today and my balance is still {$800.00}. The company is charging me $ XXXX monthly to renew, not repay the loan. My payments are not being applied to the principal. I have spoken to a customer service representative and she stated that I agreed to the terms, so I must pay it. She offered no payment assistance, despite the fact that they just received {$530.00} The fine print of this contract is buried in numerous disclosures. The fees attached to this loan are horrendous. I was not informed that my  payments of {$530.00}. XXXX are actually loan renewals.
Product: Payday loan, title loan, or personal loan

Two Inquiries from Uplift show on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XXXX act # XXXX Account : XXXX XXXX XXXX acct # XXXX I was never late on the paid off accounts and accounts listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If u can not supply this please delete this alleged late payments from my credit report
Product: Student loan

My SAVE program application has been in process since XXXX. After an administrative forebearance my loan application status has not changed. I applied for forebearance on XXXX to take effect on XXXX. That application has not been processed either. Ive sent two messages asking what a reasonable timeline for each would be and have had no response. Ive since been making payments at the higher payment amount. My wife uses XXXX and her SAVE program application was approved in two days. Our household income is the same. I dont understand why itd take a different servicer over two months to process an application for the same household.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill his legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving an accurate or unverifiable account on resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experience, alleging, systematic issues, such as failing to forward Consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction, violate federal law in my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I sent XXXX to my landlord and cash app locked his account and refuses to release it to him or refund it to me. 

XXXX XXXX At XXXX My land lord is XXXX XXXX XXXX rent a building for {$2500.00} a month from him, I was sending him money on cash app because I could only XXXX  XXXX {$1200.00} to him in time so I sent it over cash app. 

Well I didnt know his cash app had been closed for fraud. They said they are locking his account for 3 years so they cant release the funds than they said they would send him a cash app card. They said they cant refund me the money either they wont give us any answers and its been a year.
Product: Money transfer, virtual currency, or money service

A check delivered to me was stolen from my mail and was able to clear at the Navy Federal Credit Union due to someone forging my signature. I would like to get this money refunded back. I have the account information that the money was deposited too and would like the bank involved to investigate this and reimburse me for my money as well.
Product: Mortgage

Wells Fargo, why did you recast my account using Federal Tax Dollars from HUD, under the lie that I needed financial assistance instead of using the over {$150000.00} I had in my checking account? 

I was just looking for a vehicle in which to get the money to you. When your company approved a RECAST modification to use my own funds in XXXX of XXXX your loan preservation rep XXXX XXXX told me to disregard the letter, and complete the modification ( that I didn't need OR ask for in any way! ) first, and then I could recast later? Your Asst. VP of XXXX XXXX XXXX XXXX stated once a modification is completed I would no longer have been allowed to recast my account. She lied to me and I trusted her. Pull the calls!!!! 

Why did XXXX CFPB Rep XXXX XXXX lie to me and tell me in XXXX of XXXX that all calls from XXXX and XXXX were deleted, when they were all pulled up a year and a half later by XXXX XXXX and XXXX XXXX? 

Why did XXXX XXXX tell me to accept what Wells Fargo has done to me for my own XXXX and XXXX  health? He advised me, by Wells Fargo taking HUD funds on my account really worked out for everybody because Wells Fargo got an extra ten years in payments, and I got to get a modification with no money down. That way I could use the {$100000.00} I tried to give to Wells Fargo and invest it in the stock market instead, and maybe double or even triple my investment? When did XXXX XXXX become my financial adviser, and health provider? 

Do you think its fair to me to keep me in constant research over this issue for almost 2 years this bout alone, and 33 cases to date opened and closed on my account with no resolution from Wells Fargo? Does CFPB allow such lengthy timelines? If so that is news to me. Youre in violation of my rights regarding this issue. 

And lastly Wells Fargo, why did you try to pay me off with XXXX and Non-Disclosure Agreement if you followed all of HUD 's guidelines and Procedures? Your offer was insulting at best. 

Thats a start. Thank you.