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

Transunion is the reporting agency that did not send me a notice or written notice that I have the right to dispute this debt.and attachment XXXXf ( 1.8 mg ) is already on file with cfpb. now of what douctment was made againt me.
Product: Student loan

This could be filed as separate complaints, one is trying to get Wells Fargo to cooperate on repayment negotiation, second they have exceeded the agreed percentage rate and lastly they will not provide copies of the loan documents.

I have been calling, emailing for about 3 years to get Wells Fargo to cooperate with me. They are charging more than can afford being off and on unemployment twice in the last 3 years. My payments are over {$700.00} a month now. I have almost completely drained my retirement savings and have had to sell pretty much everything. I am making on time payments. Have not been late, and I did have the loan in deferment while on unemployment, but they will NOT reply to getting this loan rate lowered/adjusted and they can not provide me copies of signed documents. 
Originally this loan was setup not to exceed 8 % interest. It is now at 8.49 % and it goes up every other month. 
I can prove all of the information provided and have documentation and notes. 

Please help. I am XXXX and have no savings left to retire on. I am enslaved to Wells Fargo for {$74000.00}. It is as much as my mortgage. I need help and have no where else to turn. Thank you
Product: Credit reporting or other personal consumer reports

XXXX lowered my credit by half. I now have only {$72.00} available credit. This is going to look like I use 100 % of my card, when I intentionally keep that card at half usage so I have emergency funds available. XXXX said they sent an email about the factors in the decision. The email reads " Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit. '' Equifax is unable to tell me what information was provided for the credit decrease. XXXX is unable to tell me which information was taken from Equifax to determine the credit decrease. How am I supposed to know if neither XXXX nor Equifax can tell me the factors leading to such a drastic credit decrease?
Product: Credit reporting

Experian. Their website faulted out while I was trying to get my free annual credit report. Site said, 'try again later '. I tried many times in the following XXXX hours, but site said 'You 've already received your report. ' Only web alternative offered is to pay {$1.00} then {$15.00} per month thereafter.
Product: Mortgage

We paid all mortgage payments to Quicken Loans on time, and we were in good standing. 

One day, XXXX County told us that we actually did not pay the property tax, and they charged {$4000.00} + late penalty. 

I asked Quicken Loans, but they told us that the title company miscalculated the amount, and we would have to pay {$4000.00}. 

We asked our real estate attorney, but she told us that her title company did not make a mistake. 

I asked Quicken Loans again, and they told us that their title company miscalculated the tax payment, and they would cover the late penalty portion, but they told us to pay the missed property tax immediately and would have to pay {$250.00} more per month in the future. So, they basically admitted their fault. 

Last year, we borrowed an additional {$25000.00} to replace the entire roof ( about 5,000 square feet ) because XXXX/XXXX  did not allow us to renew homeowners ' insurance without replacing the entire roof. We had about {$9000.00} in our bank account, and we would have a financial crisis if we paid {$4000.00} in full Plus pay {$250.00} extra per month in the future. 

So, we asked Quicken Loans for some relief, considering the financial impact of their error and coronavirus. For example, - {$4000.00} one-time credit to cover this unexpected big payment ( so we can focus on the future $ 250 monthly payment ) - or, waive/forgive the interest payment for some period ( so we pay less amount without extra fee or interest payment ) They admitted their fault, but they refused to give us any relief even though we are having this issue by trusting their calculation and decided to borrow money from them. 

They just offered an option to spread {$4000.00} property tax over 1 or 2 years WITH expensive escrow fees. In other words, they made a mistake, they can make more money, and we will lose more money over time. 

As a result, we were virtually forced to pay {$4000.00} in full to avoid expensive escrow fees. We can not understand that they made a human error and caused big trouble and tried to make more money. 

So, we have {$6000.00} in our bank account, and still have to pay {$250.00} more per month. This is a very scary situation where we don't have much spare money in an uncertain economy because if we lose a job or get one more expensive unexpected bill, our home would be foreclosed. 

We also wonder if he was mean to us because we are XXXX. As you may know, many XXXX  are hated just because of coronavirus unrelated to us. Although they made a mistake, they just put a burden on the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my parlance on my credit card always and I explained this to trans union XXXX and every month they do the same thing they lowered my scor and then ask me to pay money to raise my score so they do that on purpose
Product: Mortgage

We are a XXXX XXXX XXXX XXXX XXXX that specializes in short sales. We are in the process of a many short sales with PHH. Every short sale file seems to take up to 6 months after submitting a complete short sale package. I call PHH almost every week to get a status and about every call I get opposite updates that I received a week ago. For example, last week PHH tells me they have a completed short sale package and the appraisal results are in and we should have a decision is a week or 2. I call back 2 weeks later and then they tell me there is no short sale review and they have no record of an appraisal ever being ordered? About 5 weeks ago I personally let the appraiser in and PHH verified that the appraisal has been ordered and the appraiser mentioned that he received the order from PHH. I have so many stories like this on every PHH short sale file we work on. Can someone please step in and help PHH with their short sales and provide a decision in the time period like they are supposed to. 
I spoke with XXXX XXXX ID # XXXX one of the managers in the loss mitigation department today and she said they need a lot of " fixing to do '' ... Can someone please help PHH to obey the rules and guidelines that are in place.
Product: Debt collection

Sent letter stating I need original contract and from original creditor and signed by both parties. Did not produce.
Product: Student loan

Explain to me how I am years ahead in repayment. My income is up, my credit is up, I am paying still more early and my interest rates on my loans go up on me. This is just squeezing more money and trying to claim oh its the market. No its a bank wanting more money when its already made XXXX in interest off me on student loans. And I do mean thousands made off me.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from well fargo asking if I authorized a XXXX payment for {$1500.00}, I responded no and not a minute later I received a phone call from WELLS FARGO XXXX ( same as the number on the back of my atm card, ) I answered and they stated this was wells fargo fraud dept. I was in the middle of stocking a grocery store and didnt get a name. The male stated to receive my money back he would send me a code to refund the XXXX back to me. I received a code via text message and gave him the code. He stated it could take 24 hours to see refund, we ended phone call. 
nstantly my account had a XXXX  transfer of not only XXXX but {$2000.00} GONE!! Right away I called Wells fargo fraud dept, My account was completely drained! A Claim was filed. 
Wells fargo decided since I gave the code I authorized the transfer. Absolutely absurd! An escalated file was claim, and again DENIED! 
Here we are mid XXXX and we have been robbed by wells fargo and XXXX. We are a family barley making it, this was all we had at the time. Myself and my wife members since XXXX will be leaving the bank we trusted with our finances
Product: Debt collection

I do not have a signed contract nor any contract with XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. 

The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and also become part of a formal complaint to the XXXX  XXXX   XXXX. This will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Hello, I am writing you because I dont recognize any of these inquiries on my credit report. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Finance/Personal ( XXXX ) XXXX Finance/Personal ( XXXX ) XXXX
Product: Credit card

In XX/XX/XXXX, I upgraded my American Express card from Gold to Platinum. I recently discovered an unexpected charge for " Premium Car Rental Insurance '', a service I believed I had not actively enrolled in after upgrading the card. According to American Express, my enrollment in this insurance program dated back to XXXX with my gold card account, though I had no record of receiving any ongoing notifications after my upgrade. I didn't assume this " benefit '' would carry over to my Platinum card as the Gold card members have different rights and benefits.

Upon reviewing my benefits page in my Amex account, I saw an option labeled Enroll Now for the premium car rental insurance program, indicating that I was likely not actively enrolled or that there was an error in the system. I took a screenshot of this Enroll prompt as evidence and contacted American Express Customer Care to dispute the charge. Later, I called American Express insurance agent, the agent told me I enrolled the program since XXXX, and this " benefit '' carried to my upgraded Platinum card. I explained that I saw " Enroll Now '' on my card account, I don't think I was in the program anymore after upgrading my credit card, and asked for sending me the information, but he iignored my request. 

Later, I tried to chat with an online agent and submitted my dispute, but the dispute stated my disputing " unauthorized payment '' incorrectly. Two week later, I got a denied letter. American Express still insisted I enrolled in the premium car insurance and I should pay the fee. In response, I requested an immediate reversal of the charge and clarification regarding the automatic transfer of benefits from my Gold to Platinum account without clear notification. I was informed that, despite the upgrade, the premium car rental insurance continued without my renewed consent. 

I have since canceled this insurance benefit and believe that American Express 's lack of transparency and absence of renewal reminders are deceptive practices that undermine consumer rights. I also hold alternative insurance coverage and have a XXXX XXXX card, which provides similar rental benefits without extra charges. I wound't use my Amex Platinum card to pay the car rental fee if I knew I was still in the program, and I would have cancel the enrollment earlier. Since XXXX I enrolled to the program, I never received any periodic information or newsletter to remind me as a member. 

I am filing this complaint to seek a resolution and to ensure that American Express revises its procedures to protect customers from unauthorized charges or misleading benefit enrollments, particularly in cases of card upgrades or changes in service terms.
Product: Debt collection

Laskeside XXXX  continuously keeps calling family and friends stating I owe a debt and must get in contact with them. I asked them several times to stop calling me or my family which they ignored. They are harassing my family and stating they have them down as a reference which is lie as I never received any type of communication from them nor do I owe any debt to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022 I tried to get my daughter and mine XXXX XXXX XXXX XXXX, we did get successfully the XXXX free credit report and XXXX free credit report, and printed in both cases. But EQUIFAX failed it. 
EQUIFAX posted that w already get it ( my daughter 's case ), and then asked me to call them ( my case ). I called them to get my daughter 's EQUIFAX free credit report, and told their costumer representative that I hope will not be my case, because I will do my ANNUAL FREE CEDIT REPORT next. And what was my surprise, it happened again.

It is weird that a BIG COMPANY like EQUIFAX, that costumers and consumers TRUST around USA, has this kind of issues with their WEBSITE, and the other two companies did success perfectly fine. And in both cases against EQUIFAX I took pictures. 
Thank you this is my second try, because OOPS the first try I could not get the case number.
Product: Checking or savings account

My account has been locked on XX/XX/2023 and I called chase for the reason, they only provided that they will close my account for the safety consideration. 

My account has been officially closed on XX/XX/2023. From the time my account has been locked and closed I can not see any information about my account. 

After the officially closures, I have call about XXXX times about when will my remaining fund which is about ( {$840.00} ) on my saving account will send out, they have told me that the fund is still on legally approvals and they dont have a specific. 

During my calls, they have give me misinformations saying that my fund has been send out, and later on the next call they told me that was a misinformation that the check has never been send out.
Product: Debt collection

The following message was left on my voicemail at XXXX XXXX XX/XX/2022 : Hey, this is XXXX with A S. G. This is not the first time we've tried to call, and it certainly won't be the last until we can get something figured out here. I uh did want to make you aware that the extra 10 % savings applied to your uh payoff online is temporary. So I urge you to lock in the settlement on your account. Now, even if you don't have the funds to settle it, you can set up a partial payment plan, or you can schedule your settlement for a later date when you are able to pay it. As of now, no, 10 99 C tax form has been issued on this account. So please take care of it before further action is required. We do also report to the Credit Bureaus and all applicable account. So again, I urge you to take this seriously and take advantage of this offer. Our website address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is XXXX XXXX XXXX XXXX XXXX XXXX I am legally required to inform you this is an attempt to collect a debt. Thank you.
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I had contacted the debt collection company to find out why there was a collection against me as the product was paid for at the time of service. They were less than helpful and said that they would not accept proof of payment in the form of bank statements but would be happy to discuss a repayment plan. How else other than a bank statement am I supposed to prove that I paid for something?

They then told me to contact the original company and send them the bank statements, and when I did it took them 2 weeks to get back to me. When I finally spoke to someone they had no idea what the debt collection agency was talking about and they couldn't accept the statements. I've been sent in circles with no resolution for something that I've already paid and is ruining my credit.
Product: Debt collection

I received a letter from XXXX XXXX XXXX attempting to collect XXXX debts on XX/XX/XXXX, each of XXXX. XXXX XXXX claimed I had received XXXX traffic violations in XXXX, XXXX in XX/XX/XXXX. I had not received the initial notices of these from XXXX, and upon request, XXXX provided copies of those violations on XX/XX/XXXX. I have XXXX issues of concern. 

XXXX ) I was deprived of the ability to contest the fines, as XXXX failed to provide them to me. 
XXXX ) I was assessed penalties on the fines, because I did not pay them promptly, though I had no notice of the fines. 
XXXX ) XXXX is attempting to collect XXXX per violation. Each fine, with penalties, is XXXX XXXX. As of writing, the conversation rate for Euro to Dollars would make each fine about {$250.00}. XXXX 's attempted over-collecting is egregious and without authority. 
XXXX ) XXXX failed to provide notice of the violations within 1 year of the issuance of the violation. According to the XXXX Department, they have exceeded their available time to provide me notice of the violation. 

I have tried to resolve this issue with XXXX but they have refused to discuss any of my concerns. I have tried to address this concern with the XXXX of XXXX, and that effort is ongoing. I have contacted the XXXX Department XXXX covering XXXX, and they have been helpful. I would like the CFPB to assist in resolving my immediate issue with XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate personal information currently being reported by Experian. The incorrect information includes names, addresses, and employment details that do not belong to me. These inaccuracies are causing confusion and potential harm to my credit profile. Despite disputing these inaccuracies, Experian has failed to correct or remove the incorrect information, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Product: Debt collection

Charter has received their boxes and was informed that the account was included in a XXXX  XXXX bankruptcy.
Product: Debt collection

A third party debt collection agency,  Cavalry   XXXX   XXXX   XXXX   XXXX , NY, is suing me for {$6800.00} which they purchased from  XXXX . The last payment I made was over 6 years ago, past the statute of limitations. I am  XXXX  and my net worth is less than {$75000.00} and I understand that they can not collect from me according to Wisconsin law. I do n't think that this should even go to court and I do not deal well with this kind of hassle in my life.  <P/> Th e Law firm  they are using is :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , WI  XXXX  Thank you.
Product: Mortgage

I applied for a 3-month Covid-19 loan forbearance in XXXX, knowing that I would be having financial trouble as a result of my family having contracted XXXX XXXX the month prior. I was told I was approved. One week into my XXXX forbearance I began to receive harassing phone calls to make my " late '' payment. The caller didn't know I was on forbearance and then told me I only qualified for ONE MONTH. Then told me that I had qualified for XXXX as well but I'd already made a payment for that month before applying so it didn't count. I applied in XXXX AFTER paying knowing I would not have money for the NEXT upcoming months. Then I received a letter saying I was only qualified for ONE MONTH, the month of XXXX. I borrowed money and tried to log in to pay for XXXX and it would not allow me to make a payment because it said I was behind on payments for XXXX, the month I was supposed to be in forbearance. 

I am a XXXX veteran with complex XXXX from the military and the XXXX XXXX XXXX. I just spent months in intensive XXXX XXXX treatment for a XXXX XXXX This is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Record type XXXX XXXX bankruptcy XXXX Date filed XX/XX/2020 Date resolved XX/XX/2020 Reference number 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 if the person knows or has reasonable cause to believe that the information is inaccurate.