23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I entered a mortgage agreement which was later purchased by Wells Fargo. I lost my job in XXXX and tried to get Wells Fargo to allow me to refinance under prevailing low interest rates and government subsidies beginning in late XXXX. In XXXX I entered a special forbearance agreement with ASC, but after I fully complied with the agreement the mortgage modification was denied because my Unemployment benefits were exhausted. In XXXX I participated in the Independent Foreclosure Review and received a payment of {$2000.00} when the review was abruptly cancelled. Eventually XXXX of the loans was allegedly charged off, but I was compelled to continue negotiations until XXXX when I finally entered a compulsory foreclosure review board and was able to get a mortgage modification. The problem is that the full amount of the modification was more than {$30000.00} greater than the total original XXXX loan, even after the {$35000.00} loan was " charged off ''. Wells Fargo has been nothing but obstructive in all my efforts to repay my debt, and I believe they have received credit from the Federal Government for a loan they allegedly " charged off '', but actually incorporated into late fees, interest, and missed payments while they stalled and stonewalled between XXXX and XXXX!
Product: Debt collection

I called and to settle the debit and pay it that day if it was removed from my credit reports. They offered a settlement of {$520.00} instead of the {$1000.00}. But she said if it was settled that it wouldn't be removed and they would only updated it and they said the only way they would delete it is if i paid the full balance which was strange because every collection company i have ever dealt with works with you. Not this manager at source receivables. She was chuckling and very condescending and making XXXX  XXXX comments. Like we talked to you in the past and told you the same thing so .... No need to talk down to me when I am trying to ask for help and buy my first home. I said I only have the amount to pay this thing in a settlement and would only pay if its removed cause there is no point if its just left there to damage my credit. She said well if you don't pay it in full its going to stay on your credit and prevent you from getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 purpose. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report In acceance with the fair credit Reporting XXXX  act XXXX Account XXXX XXXXXXXX, 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. 

Collection Agency GENESIS CREDIT MANAGEMENT LLC Original Creditor Name XXXX XXXXXXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2800.00} Status Date XX/XX/XXXX GENESIS CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DateMay XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX  AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX DateXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX DateXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals.

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of XXXX ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).
Product: Credit reporting 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 XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX has violated my rights. 


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: Credit reporting or other personal consumer reports

Around the date of XX/XX/2022 I applied and got approved for a Discover Cash back XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused Discover to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Product: Checking or savings account

My son has a bank card that accesses my XXXX account. He used the card for a provider charge that depleted my account. At that point XXXX started to charge XXXX fund fees. The fees charged are as follows : XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} When I spoke to customer service at XXXX about it, asking why they they charged so many fees without contacting me through email or text, they said that they would call me. A week and a half later my wife called with the same response. Now it is several weeks later and they never called to resolve my dispute. This is the same kind of dishonest delay tactic that nefarious web vendors use to delay the dispute until the statute of limitations for the transactions makes the dispute void. This same delay tactic happened a year ago regarding a fraudulent charge. They never called me.
Product: Credit reporting or other personal consumer reports

These are not my Accounts I have filed Police Reports and Certified Dispute Letters. They are still on my Credit reports, XXXX, Equifax, and XXXX, They are not my accounts They are still reporting my Credit Reports XXXX XXXX XXXX XXXX XXXX  XXXX XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding XXXX  XXXX and Equifax mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with XXXX  and Equifax handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my XXXX XXXX and Equifax credit report : Account Name : XXXX XXXX XXXX ( This account was removed then put back on my account hindering me from getting a mortgage loan I was denied for and also denied trying to get an apartment and credit cards. ) Despite submitting evidence to support my dispute, XXXX XXXX Equifax failed to conduct a proper investigation. Specifically : 1. 2. 3. Sham Investigations : XXXX XXXX Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from XXXX XXXX Equifax was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that XXXX XXXX Equifaxmay have improperly reinserted information I previously disputed deleted and believed to be corrected. 
XXXX XXXX Equifax actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. 2. 3. 4. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If XXXX XXXX Equifax or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If XXXX XXXX Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late on payments and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ), 15 USC 1666B , 15 USC 1601, 15 USC 1692C , 15 USC 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My   XXXX   score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with   XXXX   who has NOT updated the other  XXXX  bureau s! NOTE on each complaint filed Trans Union WAS included as was  XXXX !!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
Product: Credit reporting or other personal consumer reports

I was going through my Credit report and saw a few hard inquiries which I dont recognize in total XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To   XXXX   :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  XXXX  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request (  s  )   XX/XX/XXXX    XX/XX/XXXX Account name  XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX    XXXX     XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX   XXXX   XXXX  Date of request ( s ) XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX    XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX   2  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  ) XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX    XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  &  XXXX  Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   -  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name   XXXX   Date of request (  s  ) XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX
Product: Mortgage

We are in the process of purchasing a home and we started this process in XXXX of XXXX. I am legally XXXX and my name is XXXX XXXX XXXX and my Significant other is XXXX XXXX XXXX. We are in the final stages of closing but we have come across an issue that has been causing us nothing but headaches. XXXX XXXX XXXX was married and got a divorce back in XXXX. In her divorce decree her ex-husband agreed to pay those XXXX bills and unfortunately, he passed away and never paid those XXXX bills. XXXX was unaware of these XXXX bills had gone into collection. XXXX did address the one from XXXX for {$1000.00} and has been settled. The one for XXXX recovery has falling off her credit report. The issue that we are encountering is that Caliber Home Loans is running a supplement credit report and it is still showing both collections in dispute. This would be incorrect since XXXX has all XXXX credit reports from all XXXX credit bureaus { XXXX, XXXX, XXXX }. Caliber is using a XXXX party software from XXXX. XXXX was advised that to contact XXXX. On XXXX, XXXX contacted XXXX at XXXX and spoke to XXXX. XXXX stated that XXXX only updates its credit history every 60 days and that is why her credit history would be in accurate. We have requested that Caliber get an updated supplemental credit report numerous time and each the report comes back the same. Our loan officer and his staff have made very clear that they are unwilling to accept any other source { XXXX, XXXX, XXXX } printed report. I have spoken to a few other Mortgage Loan Companies and they have told me that they have a gap of no more than 3 days. It is very clear that either Caliber should not be using XXXX or that XXXX XXXX is discriminating against us. I a deaf and use equipment to talk over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent mail to all three credit bureaus informing them that the information that they have on my credit report is not accurate. I sent along with that letter of dispute to them a bill with my current address and a copy of my driver license. They have me with three different addresses that I no nothing of and the I want that false information off of my report. The time that I sent the letter of dispute was XXXX of XXXX. And I have still not received or heard back from them. I also informed them at XXXX that the collections of {$1200.00} that they have on my name is not me. This happened XXXX XXXX, XXXX. And I told XXXX XXXX XXXX also on XX/XX/XXXX that they also have a false balance on me for {$900.00} that I known nothing of and that it needs to be removed. Have not heard back from them as of today. Also XXXX has a collection on my name that I don't know about as well and I asked them to remove it to the balance of {$190.00}. XXXX XXXX. And XXXX XXXX   XXXX XXXX I sent them a letter of dispute on XXXX XXXX, XXXX disputing the fact that they have the wrong information on my credit report. I never have taking a loan from them at and to please take my name off of the credit reporting agency for {$8.00}, XXXX I have never dealt with them.
Product: Credit card

I have been a banking customer with XXXX XXXX XXXX XXXX for over 30 years. XXXX months ago, I initiated a request for their secured ( with my funds ) credit card XXXX with a {$25.00} application fee. XXXX XXXX XXXX XXXX was in a transition to Bank of Montreal ( XXXX ) at the time I paid the {$25.00} annual fee to open the XXXX account. I paid the account as agreed. After XXXX months, the now XXXX wanted me to pay {$25.00} annual fee after only having use of the card for XXXX months, or they stated I could cancel the card. On Thursday, XX/XX/2023, I telephoned the XXXX customer service number on my banking statement per the instructions on how to cancel the secured card. After being disconnected while talking to one customer service rep ( XXXX ) I called again and after XXXX minutes talking to customer service rep ( XXXX ) I could not get any email or text verification that I cancelled the card and would avoid the {$25.00} fee again. Furthermore, XXXX would hold my funds ( over {$10000.00} ) for at least XXXX days even though I had no pending charges and my balance was {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since i opened the account with lendebuzz they haven't actively report the account to the credit bureaus, i had made another complain before witch they only reported the months before but they never reported again since 6 months ago, on my experian doesnt even show up Which is a clearly violations of Fair credit act, i had paid my loan already and they haven't reported yet
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I got a loan with ace cash advanced in 2019. They sold it, then that company sold it. The final company showed up to my parents house threatening to take me to jail, saying I have a warrant, calling 6 family members saying I have a warrant out of my arrest, etc. this is the number ( XXXX ) XXXX.
Product: Student loan

This loan was taken out in   XXXX  . I have called Department of Education and submitted documents letting them know that this is fraud and I never took out a student loan or attended this school. Every year they tell me they are investigating this matter and no results. They are garnishing my wages and have taken my tax return and still have n't given me any results or showed me any paperwork from this loan
Product: Debt or credit management

I keep disputing closed accounts on my credit report and accounts still sitting in my file over XXXX XXXX XXXX. All this is negatively impacting my score making it harder to get approved for any help. The dispute process takes weeks and when they respond they don't bother doing anything so my score just keeps XXXX. I get left to spend more money to pay off debt that doesn't get removed from the account so I'm fighting an uphill battle and legally they're neglecting to help me recover. They solicite me with offers for credit cards just to deny me and it shows up as an inquiry on my report. I ask for help and my score literally hinders me from even getting approved for the help to get out of the hole in the first place. It makes no sense. If I didn't need help I wouldn't in a hole, but they require me to qualify for help which inherently makes no logical or genuine sense. I'm tired of disputing and getting no where but XXXX  more just because the credit bureau doesn't wan na do their job and actual help people get outta debt. I'm an XXXX XXXX  XXXX  AND THIS IS HOW THEY TREAT US AND WORST AND THEY GET AWAY WITH IT.