23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a brand new car and went with Fifth Third Bank for my auto loan ( this is my third time using them ). Upon recovering my payment information ( LATE ) I asked to change my
due date to the XXXX  or XXXX  of the month. I am already a month ahead on

my payment so this was in no way an attempt to pay late. I was told I can not change my due date without a {$20.00} fee added to my loan. {$20.00} for a small change in a computer is absolutely unreasonable and unethical. Consumer beware! This company likes to nickel and dime over any minor change.
Product: Credit reporting, credit repair services, or other personal consumer reports

VW credit changed the amount owed on a charge off on my credit report. I filed a dispute for incorrect information and they just changed the balance and put it in my credit report. I traded in my car and it shows that the car was repo and I have had this on my credit. It is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This inquiry was pulled without my consent or permission i requested documents signature. Please help me delete/remove.. 

15 USC1681Q- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. 

15 USC 1681N- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Student loan

Wells Fargo told my son he could not get a student loan ... and encourage a co-sign er ... I/mother could not cosign ... because I was cosigned on the f irst one ... so my mother was asked to cosign and she did because it was the only way to get the loan as advised by WFB ... mother made many payments because my son was not able to ... but last year WFB sent two letters to my mom saying ... she should have never been on the loan and they will take her off ... I called and stated if she should have never been on the loan she should be given back her money and the loan should be closed because of having a second loan open fraudulently. WFB said they will return my mom 's money but will leave the account owing ... because my son should have been able to get the second loan on his own ... but how when he could n't get the first one without my   cosigning? I believe the account should be not only refund my mother but also close since the agreement conditions have changed and if given the original statement to my son ... my son did not quality for the second loan. We have yet to receive the check to my mother and they spoke to me asking me did my mom want to make the payments or made it out of obligations? I told them my mom is  XXXX   years old and is  not trying to pay on the loan out of want but because you sent mail to her saying she had to pay as the cosigner. ( I do h ave two letters tellin g my mom she should have never been the cosigner )
Product: Checking or savings account

Opened account online, but get frozen the next day. Have not initiated any XXXX transfer but being told that's the reason.

Make multiple calls, nobody can help. They told me to visit a store to verify my ID. Driving to another state to visit the branch, not resolved during the visit, and nobody follows up.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX the vehicle was involved in a horrible accident and was a total loss. I contacted the lender to inform them on XX/XX/XXXX and I was not given any instruction on what the next steps were. On XX/XX/XXXX I noticed XXXX updated my credit report to repossession on XXXX, closed on XXXX and open on Experian. 
I reached out to the XXXX credit bureaus for them to validate and correct the inaccurate information and the lender has continuously updated the account as correct.
Product: Credit card or prepaid card

The account was closed on XXXX XXXX, 2013 with a balance of {$0.00}. Now 4 years later the company call me daily and harassing me with a debt I do n't own. I received letter for settlement agreement for an account closed with XXXX  balance on it as he show on my credit report. I have to blocks all income numbers from XXXX and unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally Submitted to the CFPB on XX/XX/2020 case # XXXX Experian 's response was wrong, a stall tactic and against the FCRA. I want my needs met, I am re submitting this to you about my name and address and previous addresses to be corrected see letter attached
Product: Student loan

XX/XX/XXXX My name is XXXX My Parent Plus Student loan is now been service by Navient Acct # XXXX XXXX On XXXX XXXX agreement was signed with the intention to send my XXXX year old to attend school at XXXX in XXXX XXXX, Ca. with a XXXX loan from XXXX for {$23000.00}. She did n't attend and moved to another city. In XX/XX/XXXX I filed XXXX bankruptcy due to the financial nationwide real estate collapse since I was in real estate and I was foreclosed on my house. During that time I tried to contact them to make sure all my financial facts were correct during my meeting with bankruptcy attorneys. I was not able to get a response from them and I was informed they closed because of legal issues due to predatory, deceptive and unconscionable lending practices. 

I spent the next 5 years making $ 650 monthly to the court required by my bankruptcy. In XX/XX/XXXX my bankruptcy was discharged and never hear anything from them. On XX/XX/XXXX ( 2 years after my bankruptcy discharge ) I got a letter from Navient stating that my request for forbearance of the payments was just recently approved. I never even talk to anyone since I filed bankruptcy in XX/XX/XXXX. Navient said they were servicing my loan now and that my loan balance now was {$46000.00} at 8.50 % interest. And that my payments would resume on XX/XX/XXXX ( the month after ) for {$600.00} monthly. Since then they have been calling me more than once everyday even if I explained the situation to them and the confusion. I told them that I was not informed of this loan to be paid during my bankruptcy and that I was incurring interest at 8.50 % during my bankruptcy protection that lasted 5 years.. I will be XXXX years old in XX/XX/XXXX. My health is not well. I am taking XXXX and medication for XXXX. I am on XXXX, XXXX XXXX for my XXXX and have XXXX.I told them I was't aware that there was even a loan, never less that I was incurring interest during the 5 years of Chapter XXXX bankruptcy protection. They are very aggressive. Every time the representative offers me to talk to a supervisor they never come to the phone. Once they told me they were going to transfer me to customer service and instead they hanged up on me. I have call them back numerous times trying to see if the problems is solved and all they want to do is collect or push me into and sign a forbearance were interest keep growing. 

Please I need help to resolve this issue as soon as possible. I am XXXX and this is causing a lot of XXXX in my personal life and health. 

I really appreciate it! 

Thank You! 

XXXX XXXX XXXX
Product: Credit card

In 2008, I was offered a credit card from Wells Fargo Bank. I excepted the credit card incase of emergencies and went over the particulars with a personal banker. One of the topics was rather I wanted to have it linked to overdraft perfection ; I declined to have it linked to overdraft protection as I used a saving account for this. I also knew that if attached to my credit card that interest would build on overdrafts and any fees. 
I attempted to use the card during an emergency sometime in 2008 after never using it and found out that the credit card was full in the amount of {$800.00}. I contacted the bank and they told me it was link to my overdraft and that is why it has the amount of {$800.00}. I took responsibility as my car insurance came out and I used my debit card for about 2 days not knowing it was over drawn. Wells Fargo charged me fees on top of using my credit card which I never allowed them to use for overdrafts. If It was set up to my savings account like I had requested, the money would have been taken out of there and I would have only been charged XXXX small fee. The banker had signed me up for this to gain more of his/her incentive and I went to the branch to dispute this but they continently told me there was nothing they could do. I paid on this bill as I continued to try and dispute it but they would not help in any way. 
I have been paying on this credit card and have it almost paid off. During this time I was still disputing these charges and about a year ago I did not want to pay anymore until they worked with me as this was unlawfully and unknowingly attached to me account and the card has a really high interest rate. During this time they sent it to collections and I am now having issues with my credit and obtaining any financing. 
I am and have been willing to pay my over drafts and even the fee that would have been placed to my savings account. I have now paid XXXX 's of dollars in overdraft fees and high interest due to this banks negligence to monitor what their personal bankers do to receive there quotas. 
I have no problem paying the card off at this point but I do n't deserve to have this negatively affecting my credit as I have paid them over a XXXX 's in interest and fess that I should have never even had to begin with. ( fraud )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Capital One 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 15 U.S.C 1681 section 602 A. States I have 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.
Product: Mortgage

I was approved for a loan modification back in XXXX 2017. I was provided the trial modification agreement which required my signatures, in which I executed and used the prepaid return label provided by Ocwen to send the agreement back. I was told that they never received it so they sent me another package, in which I signed and mailed back also. I made the first trial payment in XXXX, and then again in XXXX, both times in which Ocwen accepted and processed my payments. Then on XXXX XXXX 2017, they informed me they still did not receive the signed agreement, again I was provided another return label from them and mailed the signed agreement back. Then I was informed that they canceled the trial modification because the agreement was never received, which can not be possible as I mailed it to them using their return label 3 different times. I am now being told that the modification is voided and I have to start over from square one and I now have an active foreclosure sale. Something is seriously wrong in this because I would not jeopardize the offer they provided and I made sure to comply with all their requests. I am uncertain why the labels they provided are not being directed to the correct department and now my 3 signed agreements are lost in action.
Product: Mortgage

I paid off my mortgage to Ocwen Financial Corporation in XXXX 2015. It is XXXX and I still have not received my title to the house. Looking online for complaints, I see this a common problem with Ocwen. My Mortgage loan prior to Ocwen was with GMAC Mortgage.
Product: Mortgage

Despite several attempts, my request for the QualifiedWrittenRequest with XXXX and Affinia XXXX XXXX XXXX has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX TS # XXXX on the current mortgage on my property has been ignored.As of this date, XXXX and Affinia Default Services have been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.
Product: Debt collection

On XX/XX/18, XX/XX/18 & XX/XX/18 23 I contacted XXXX XXXX XXXX XXXX XXXX ( MCM ) about a debt that came up on my Credit Report. On my Credit Report, the amount owed was reported as a loan, not as collections. This was reported on XX/XX/18 against my Credit Report. I spoke with several representatives on the dates above. I requested a statement from MCM that I owed the debt as well as validation from MCM that I owed the debt. No one at MCM could provide this to me. Additionally, several representatives told me they were not authorized to discuss my account with me and could not provide proof I owed a debt to MCM. 
MCM confirmed my mailing address ( as shown above ) was correct. However, I have not received any correspondence from MCM. This was reported on XX/XX/18 against my Credit Report.
Product: Mortgage

I was going through a modification with my previous servicer XXXX XXXX. I applied for the modification a year ago. The communication was horrible. I was lied to several times and told the modification would be completed the next month. I would call the next month and was told it was still processing and to call again the next month. Recently I found out that my loan was transferred to Shell point mortgage and XXXX reported late payments to the credit bureau. I was told during the modification process, no late payments would be reported. I was entered into the modification due to the hurricane in XX/XX/XXXX and falling behind on my bills because I had to evacuate. My payments were deferred XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I resumed making payments. The communication about the deferremenr was terrible and never explained to me properly. I was eventually sent paperwork to modify my mortgage payment in XX/XX/XXXX and completed it. All of XX/XX/XXXX I was given the run around. Never a straight answer on when it would be completed and at what stage in the process it was in. Now my loan was transferred to Shellpoint mortgage and I'm being told that they aren't accepting my payment due to the stage it's in and returned my payment. I was told nothing would change when transferred over but that seems to be more false information given by XXXX. I'm fearing that shellpoint will report late payments or that this will cause an even further delay with the modification That has been in process at this point almost a year
Product: Payday loan, title loan, or personal loan

I tried multiple times to apply online and first i need to update my information on my profile. Phone and address are 5 years old. I was advised in several emails from bad service reps, i have to update my info online only. I tried and tried It wo n't save the new info. I have new bank info and how do i fix that? My main complaint is i contine receiving a denial letter when i try to apply!!! Inquiries and denials on my credit. When I went to customer service using their message I received no assistanceand was told to update it online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency.

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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. 

XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX NC ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many complaints and police reports for a Wellsfargo account that is being reported to my XXXX  and today finally I was able to actually speak to someone in the ( special services department I was informed that since my file was previously mixed with someone else that that department would now always be the only ones to take my calls she also told me that I was not able to dispute an address on my file that was clearly fraudulent and did not belong to mw because it was tied to the Wellsfargo account! she refused to dispute that address for me and she said there was nothing I can doing asked her for her supervisor which is yet to call me her nam was MsXXXX in team XXXX  she also refused to assist me with other accounts that they are reporting wrong although the creditor is verifying with them that it is wrong! XXXX XXXX they are reporting late and self lender and bother creditors say that they can. not help me because thats not what they reflect on their end so what am I supposed to do? she also explained to me that she was not accepting my police report because I called them and out to my home how else was I supposed to inform them of what the problem was the report was in person but she still refused to accept it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX days offers a purpose to straight away remove those items from my credit report. Its been over XXXX days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

We fell behind on our car payments and explained to lienholder, Santander, rather than just getting current on the payments, we would pay off the loan in total on XX/XX/2014. And we did. 

Las year we discovered Santander reported to XXXX our account had a remaining balance of {$4400.00} that was " charged off as bad debt ''. Our account with Santander was NOT written off ; it was PAID off, in full. Santander did not have to write off any bad debt on our account we paid every penny owed. 

We have contacted Santander but it refuses to correct the misinformation reported, making it appear as though they had to write off over {$4400.00} as " bad debt '', hurting out credit.
Product: Checking or savings account

My mother is an AU on a credit card account with my father as a primary. My parents used the same login to USAA their entire lives. My mother attempted to pay for a funeral on the USAA credit card days after my father passed away, a credit card she has used for years. When she called USAA to unblock the charge, they asked why a funeral home and she said because her husband passed away. USAA immediately locked the account and the online login she has used for years. They told her if she wanted to pay for the funeral she could apply for her credit card, from her own newly created account. 

Over an hour on the phone and making my mom cry, she now has no way to pay for the funeral for my father and lost all pre loaded bill payments, and access to the connected XXXX account.
Product: Credit card or prepaid card

I have literally only made two charges with my card since my account was opened. I have tried multiple times to get this issue resolved but customer service representatives were no help. Someone was uses my card through my mobile app.I have tried to get my password changed, but no one can understand me. You can absolutely log into the mobile app and view your card. You do not need a ssn or password!!
Product: Debt collection

I had an overdraft account at Wells Fargo that I did not open. I contacted the local branch and explained that I had not opened an account but the lady literally scoffed and made me feel stupid bc she said that would be highly unlikely to happen unless I had given someone my credentials and documents to open the fake account. I was so embarrassed ask insulted because I did not do that. so it was sent to collection agency and threatened to put me in jail for the charges not to mention the charges at the stores where checks were written. I had to pay those if I ever wanted to shoo there again. but I honestly never did open up an account at Wells Fargo noone ever believed me and I happened to see the info about wells Fargo and their shady practices and it made me think about what happened to me
Product: Checking or savings account

I got an email at three in the morning no prior notifications saying that my account was closed. My funds are there to feed my children. I cant get the money out and theyre saying I could get the money out after XX/XX/XXXX. Its XX/XX/XXXX. Its my money. I have proof that its my money not sure why I can not get it out And they do not want to close my account any sooner they are holding my money.
Product: Debt collection

I am not liable for this debt with Bank of America. This account was paid in full. I do not have a contract with Bank of America. They did not provide me with the original contract as requested.
Product: Checking or savings account

Capital One has not disbursed my direct deposit into my account. My employer has sent the funds and CapitalOne is claiming technical issues. Meanwhile they are still trying to debit my account for transactions when they will not deposit my paycheck.