23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am an XXXX XXXX servicemember and I bought my house at the end of XXXX. I borrowed well under what the VA authorized me to borrow, and the house came in under the appraisal. Obviously from XXXX to XXXX and then onward the value of my house declined. Since the time that I bought my house I have had to execute XXXX moves. Wells Fargo holds the loan. I have called them continuously to see if I qualify for any of the principal reduction products, or other products that I have read about on Government websites and in talking with XXXX advisors. They have told me on every occasion that I do not qualify for any type of product that would help me lower my payments, the only solution they offer is to refinance which I have already done and which did not help at all but just allowed them to make more money in interest. I have explained to them that I am an XXXX XXXX servicemember and that I have had to execute XXXX moves on XXXX different occasions and that I am not willingly moving from my house and having to pay both rent at my new duty station and my mortgage back at my old duty station. They have offered me no understanding nor any help trying to find a product that works for my situation, it has been an attitude of " oh well I guess you just continue to struggle while we bleed you dry. '' The only thing that they have offered me I have already done which is to refinance my house. This did not help at all and just made them more money in interest. I do not want to stop paying my mortgage, as some have offered. This is not the type of man I am, nor does it align with my core values of honor, courage, and commitment. My complaint is that I see and read about all types of government programs to help with principal reduction and Wells Fargo says that I do not qualify for any of them. I do not know why I do not qualify. I am moving around the XXXX serving XXXX on military orders, and I have a XXXX son that lives with me. I am not asking to get out of my mortgage free and clear, I am just asking for some help in the form of principal reduction or perhaps some other product that would help me be able to pay my mortgage for my house and rent at my new duty station.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Today XXXX I received a capital one credit card in the mail that I did not apply for. I checked my credit report and on XXXX a hard inquiry was made my capitol one and added to my credit score. I did not apply for a capital one card and am very concerned about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX in regards to two collection accounts on my credit report from I.C. System INC. I have contacted XXXX and XXXX and they have removed these negative remarks but for some reason, XXXX has not. I did not have a procedure with XXXX XXXXXXXX XXXX and not sure why I can't have this removed and it's in collections. The amounts in question on the report are {$380.00} and {$300.00}.
Product: Checking or savings account

Hi I have two disputes becuase XXXX XXXX  account was hacked and it hit my bank account. I did not get no alerts from my bank or XXXX XXXX  for the XXXX weeks this happened. 
Claim # XXXX XXXX and Claim # XXXX they closed said the got information saying i made charges. The police report XXXX for both these disputes. I told my bank they did nothing wrong other than they wont return the funds. I have the proof from a private investigator showing it was hacked. the people who received money i do not know. My card also was used in florida but luckily it declined cause they did not have right pin. but the same card was in my wallet so they cant say my account was not hacked. Also the people were sending messages threw XXXX XXXX With all this info my bank still refusing to refund my money.. I simply asking for your help becuase netspend makes us go threw alot to get a dispute going but than closes dispute and never notifies you or proves what info they got. They have no information XXXX XXXX already closed my account same day the disputes were filed and even agreeed with me my account was hacked. So netspend just doesnt want to do thier job. They want to be a big bank like XXXX  etc but doesnt want to treat thier customers right. They even block cards and u cant get anyone till XXXX  for help.
Product: Bank account or service

Is my bank allowed to raise fees without letting me know? My monthly fee appears to have gone up and I did not receive any notice.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

This is regarding a boat loan with Yamaha Finance. On Thursday XX/XX/XXXX I logged into the website to link my credit union account so I could pay off the loan. In order to link the account you must make a payment, so I paid XXXX just to make sure it linked to the account properly. The transfer completed on Friday XX/XX/XXXX so on Saturday XX/XX/XXXX I contacted Yamaha Finance for the payoff so I could pay the loan off. They provided the amount but when I went to make the payment the system would not allow me to continue. The Yamaha finance employee stated that because I had made a payment on Thursday ( clearing Friday ) I was not able to make another payment for at least XXXX business days. I would need to call back and get a new payoff as the finance charges would continue to accrue. I stated I did not understand, it would certainly make sense that it wouldnt process until Monday since it was a weekend but they were telling me I couldnt make the payment Monday that because it cleared Friday I would actually have to wait until Wednesday. I asked for a supervisor and I was told they were sorry but there was nothing they could do, I would just have to call back Wednesday and pay the additional interest. I have gone over all disclosures from my original loan as well as all disclosures on the website and I can not find anywhere stating that you can only make XXXX payment every 3 days.
Product: Credit reporting

I have repeatedly disputed the XXXX account on my credit report. Experian did not investigate my dispute and not provided and proof that they contacted XXXX at all. I have sent Experian and XXXX a copy of my identity theft affidavit and FTC report. They refuse to remove the account and refuse to provide any investigations results.
Product: Credit reporting or other personal consumer reports

I called transunion on XXXX XXXX. I spoke with a representative who informed me my credit report has not been updated since XXXX for my student loans. It shows I owe XXXX in students loans because they have duplicated information on my credit report. 

I explained the still currently have XXXX and XXXX Bankruptcy, XXXX XXXX XXXX, and XXXX. 

When speaking with the represetative my credit report with Transunion has not been updated since XXXX. She did see all of the documents and certified mail I sent in to dispute the information. 

I requested for them to remove all student loans which are reporting inaccurrately the agent informed me it was my responsibility to send them the corrected information. 

he Fair Credit Reporting Act ( FCRA ) 2 became effective on April 25, 1971. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection Act3 such as the Truth in Lending Act and the Fair Debt Collection Practices Act.

1. My student loans are reporting Inaccurately and should be Removed because they have not bother to report correctly since XXXX 
2. XXXX is a collection agency and is not reporting information which is contractual agreed upon. 
3. XXXX XXXX XXXX has been on my credit report since XXXX and it is extended.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX  and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX XXXX.
Product: Student loan

I was recently contacted by CitizensOne Student Loans, which is a division of Citizens Bank about refinancing my student loans. I was approved for the refinancing but the interest rate that I was given is rather high, and is higher than what I 'm currently paying PLUS my XXXX score is higher. I called to speak with someone so that I could be explained why I was offered such a high rate. The customer service rep could not explain it, said that its just computer generated, and the underwriting team does not talk to customers. I asked if I could be provided an explanation in writing, or even what credit score was used to offer the rate and he would not tell me. This seems quite unfair and now I have a hit on my credit, and I feel as though I have been subject to a bait and switch.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute of Account To Whom It May Concern : I am writing to dispute an account that appears on my credit reports which your Company has reported. I am exercising my right to dispute inaccurate Information as provided under the Fair Credit Reporting Act ( XXXX ), 15 U.S.C. {$1600.00}. 
I do not believe this account belongs to me and/or contains inaccurate Information. I request that you : XXXX. Provide complete documentation that verifies this debt, including : Signature.
Product: Debt collection

Dear CFPB, I have mailed a dispute to credit bureaus about this inaccuracies on my credit report, but I have not received any response. I really need help to address this concern for this has been causing me financial damages. Thank you. 

AMERICAN EXPRESS XXXX
Product: Debt collection

Company stated that it would provide a detailed information in its response about this debt but there was no information at all that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violates my consumer rights. 
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law. 
I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports immediately.
Product: Debt collection

as i was looking into my credit report ive noticed inaccurate information reporting on my credit report i did not open any credit or debt cards with any credit company i have never did any business with XXXXXXXX XXXX XXXX XXXX XXXXXXXX they have a account reporting on my credit for XXXX i did not do that and i will not pay for a account that was false created i ask of you to please have the credit breau to remove this item off my credit i will have to reslut in litagation with all 3 credit breaus and anyone who houses this information under the consumer law the law states under 15 usc 1681 and 15 usc1692g theses are abusive practices and deceptive langues i aske you please remove this debt XXXX XXXX XXXX XXXX portfolio recovery XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in supporting documentation to Experian. Experian keeps reporting they verified a bankruptcy which was dismissed. 

I sent them three sets of documentation indicating this was and is being incorrectly reported. I am fed up with this incorrect information being on my report. 

They are also reporting incorrect information about XXXX XXXX   XXXX  account, which was closed and not reported. 

I sent them copies of court order indicating the support case was incorrect and they keep saying they reached out to XXXX which is not the original creditor.
Product: Vehicle loan or lease

Back in 2009 I bought a used car from the auction but knowing it was a bad buy. I told the back then that the car was not good and they still forced me to pay. It the was charged because I was fired from work not being able to drive. I was deleted from my credit but the bank still holds me responsible after they wrote it off. They never sent me a 1099C so I can write it off on my taxes. I can't use my account because any monies I put in, they put towards the balance of the car, which, was XXXX  so far. I didn't know they have something called a promise pay and I did a direct deposit and my first check from a job that I started after 4 years. I went to the bank pleading letting them know I need that money to pay my rent or it's going to cause a ripple effect and I will get evicted. They proceeded to say they can't help me.
Product: Checking or savings account

Citi bank company is bad business, 2 fake business, fraud me XXXX XXXX until I go to XXXX bank and report to Cfpb. Then now they still no paid back 2 return check fees {$24.00}, and {$700.00} bonus. 
I think citi bank should never has local in Texas, or even in the XXXX as well. 
Citi branch should close permanent.
Product: Debt collection

Midland Funding won lawsuit against me for not showing up in Court. My original Debt to comenity bank was for less than 3,000 dollars. They sold the debt to Midland Funding. They kept adding interest and fees where my debt became over 12,000 dollars. They started garnishment of my wages, but still adding a high interest rate. I tried calling them on XX/XX/2023 to ask why my debt keeps going up when I'm paying my debt, am I still incurring interest? The woman started scolding me that I'm not paying anything and that I'm basically scum, the court is paying them. I just thanked the lady, wished her a good day. 
I'm paying 30 % of my wages to them and incurring extra interest is punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Bank account or service

I opened an account in Chase Bank in 2012. I am a XXXX and I reside in my home country XXXX. I suffered from identity theft. All my personal information was stolen I do n't know how and these hijackers or whoever dos this made several transactions to XXXX different people, I do have their names and I know they are located in XXXX XXXX. Unfortunately, I found out about this about 8 months after when I tried to acces my account and it was bloked. I flew to USA as soon as I could to find out what happened, it is then when I found out about my money being stolen. The bank took some days to investigate, but they end up closing the case. According to their policy if I did n't complaint before 60 days there is nothing they can do to get my money back. Now I 'm in XXXX because I was told the main office is located here. I already file a police report and I want my case to be reopen so can persist on getting my money back. It was about {$16000.00} that I saved with very hast work. Please share my story so this does n't happen to many more people. I hope to get my money back though you. Please help me to show that these money transfers were not made by me. Thanks for your time to this matter.
Product: Debt collection

This is not my account : I was a victim of identity theft and also my information was in more than several credit leaks. 
According to FCRA XXXX XXXX. It is illegal to report information on my credit report without my permission. Thank you and please remove this from my credit report. Provide me documents showing I gave you all permission to report any illegal information on my credit reports. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo collected money from me that I did not owe and is still reporting me aa late when the account was paid in full.
Product: Consumer Loan

In XXXX 2013, I co-signed for a car with my husband through Capital One Auto Finance. In XXXX 2013, I was XXXX XXXX from XXXX to XXXX. My husband remained XXXX in XXXX. A divorce was in the process, and it was agreed upon that he would take over car payments. Fast foward to XXXX 2013, he stopped paying the car payments and did n't tell me. I got around to checking my credit report sometime later, and I found out that the car had been charged-off. Capital One never once called me, e-mailed me, or mailed me anything stating that the car payment was even past due. When I found out it was charged off, I called them and questioned why they never contacted me. They could n't give me any answer. After multiple calls and prodding, they claimed they tried to contact me, but that is untrue. I never received a call from a collection 's agency either, so that I could rectify the situation. I was dealt with unfairly and wrongfully, and now I 'm stuck with this on my credit report and they will not remove it, even after I have disputed it. The car is now in my possession currently, and I want to get rid of it and be done.
Product: Credit reporting or other personal consumer reports

My debt has been discharged, yet two XXXX credit cards still remain active on my credit report. I want them removed off of my credit report immediately. This is inaccurate reporting, and inaccurate reporting goes against 15 U.S.Code 1681. A charge off is considered a certificate of indebtedness, which means it is income and MUST be removed off of my credit report. XXXX XXXX- Account # XXXX XXXX XXXX-Account # XXXX These XXXX accounts have been labeled as charge off 's on my credit report and MUST be removed immediately. I recently came across information related to charged- off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a CERTIFICATE of indebtedness, which means it is treated as income, and, therefore, eligible for removal from the records, and my credit report. In light of this information, I REQUEST ALL CREDIT AGENCIES assistance and removal of the two charged-off XXXX accounts associated with my accounts.