23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is a company I never signed a contract with. They are trying to collect a debt that I never had with them. The company charge off a debt and it has ruin my credit and I don't know who they are. Can you please help me because this is stopping my process in buying a house.
Product: Payday loan, title loan, personal loan, or advance loan

Chime has a new XXXX feature. 

At first it was working as outlined in the agreement. I would borrow my full amount of credit limit, they would take it out of my next direct deposit and then the full credit limit would be available. Now they take the full amount due, do not release the full credit limit causing a financial hardship. They will not give me an option to opt out of the service.
Product: Credit card or prepaid card

I applied for a Care Credit card in order to finance some upcoming dental work. When I added my phone number and last 4 digits of my social, an address in the XXXX of XXXX XXXX XXXXXXXX would pop up. Someone with my name who lived in " Public Housing. '' Even though I changed the address to my address in Oregon, my application was refused. I have excellent credit, do not live in NY, and keep tabs on all three major credit reporting agencies. My concern over this caused me to freeze my credit, utility history, and bank records. Also to begin a subscription to an Identity Theft company as apparently this is affecting my Social Security number. 

I called the company who said they could not provide any info regarding the refusal but that I would get a letter. I received that letter this morning saying the following : " We have received your request for a credit product with CARECREDIT issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : High risk source of application '' The letter suggests the recourse be to within 60 days obtain a copy of a consumer report however I am looking at all 3 agency reports with credit ratings all in the XXXX 's and no info regarding an address in the XXXX. Please help.
Product: Student loan

I have called repeatedly to ask XXXX XXXX to send me my promissory note. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have yet to send me the promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX of Wells Fargo Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CFPB Director of Consumer Financial Protection Consumer Financial Protection Bureau 1700 G Street NW Washington DC 20552 CFPB case number : Dear XXXX XXXX, I am interested to see if the recent {$3.00} XXXX Wells Fargo fine by the CFPB may compel Wells Fargo to fulfill their statutory FCRA obligation to respond to my FCRA 609 ( e ) identity theft information request? 

This request was delivered by certified mail to the address specified by your employee well over the FCRA statutory 30 day response requirement. 

Please find attached my cover letter from the 609 ( e ) identity theft information request dated XX/XX/XXXX. This will provide details of previous correspondence as well as the details I am requesting that was previously ignored by your representatives. 

Specifically, I want to know if representatives at WFC maintained a profile on me for well over 15 years after I closed an account at WFC for the purpose of accessing my financial data using the XXXX database under the false identity of XXXX XXXX? 

I look forward to your response, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors.
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Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement.
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So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score.
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I was able to get in touch with XXXX via telephone to update my file information. The agent told me the security freeze was initiated by Equifax but of course I do n't know how to verify that information.
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I sent letters to Equifax and XXXX  via USPS mail in efforts to get these security freezes lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the existence of the XXXX XXXX item on my Transunion credit report, but Transunion continues to report inaccurate XXXX XXXX  information on my Transunion credit file. I have not heard back from Transunion since my last XXXX XXXX dispute.
Product: Student loan

I had trouble understanding how my FSA.gov account showed that I had paid over {$15000.00} towards the original amount borrowed which is approximately {$30000.00}, and mohelas website shows that I still owe more than my original amount borrowed. They do not have a record of my loan documents to show how they have calculated the amounts that I owe. When I called and asked for a payment history of my loan I was told they could provide that information but it would have to be approved by a supervisor and take a few days. When the information was uploaded to my account it was just a report of each loan amount, the date it was taken out, how much interest is/was charged and what is still owed. I still have no record from my loan servicer of where the $ XXXX I have paid has gone towards. Additionally I was sent an email on XX/XX/XXXX stating Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement and on XX/XX/XXXX I received an email stating Information is current as of XX/XX/XXXX Your Student Loan Payment is Due XX/XX/XXXX Current Due : {$440.00} Past Due : {$440.00} Total Due : {$890.00} So I received no paperless notification regarding my bill due which stated on XX/XX/XXXX I was not delinquent and XXXX days later I was a whole payment delinquent? Ive tried to call countless times and request information that no one seems to be able to provide and I have no idea where my {$15000.00} went if I have no payment history record to show other than the brief information on FSA.gov. I havent asked my original loan servicer to sell my loans from one company to the next and now I am the one having to put the puzzle pieces together.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance Corporation d/b/a Honda Financial Services has furnished/reported several late payment derogatory marks on several of my consumer reports since being in receipt of my Cease and Desist. Not only is this an individual act against 15 USC 1692c ( b ) and 15 USC 1692c ( c ), it is also an individual act against 15 USC 1681a ( 2 ) ( A ) ( i ). Late payments are to be excluded from a consumers consumer report because they are information solely as to transactions or experiences between the consumer ( natural person ) and the person ( corporation ) making the report. This is also an individual Act against 15 USC 1692d ( 1 ) as it is a threat and harm to my reputation ( 15 USC 1681 ( 2 ) states that a consumers consumer report is the consumer 's reputation ). American Honda Finance Corporation d/b/a Honda Financial Services is civilly liable for these individual acts against Title 15 of the United States Code pursuant to 15 USC 1692k and 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Experian continue to report my financial history without my consent. 

XXXX XXXX agreed not to share my information with non affiliates and Experian is not an affiliate of XXXX. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a for profit company that has no affiliation with the government and therefore should not be reporting my financial history. 

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i received a credit alert that my credit score dropped 24 points with Equifax and them alone. No other credit bureau reported this action. Upon review they decreased my credit for New Account added " XXXX XXXX ( closed years prior ) '', " XXXX acceptance added, ( part of bankruptcy years prior and was removed by company, and Military star card added then removed. This account is active in good standing and always has been. These actions were confirmed to be taken by this credit reporting agency and this agency alone. ALL OTHER mentioned above have specifically denied any action taken by them. Two of which states it would be illegal and one stating they have only reported my balance and good standing. Upon contacting the company never sent my credit report, nor did they replace the credit points missing, after they stealth fully and illegally removed these improprieties and never showed up as corrected, ( they just went away, but my score remained affected ). 
ALL COMPANIES mentioned have reported to Equifax they did not make any such changed and it was done by Equifax alone. This has harmed my credit score ; my security clearance and NO OTHER credit reporting agency made any such changed in this regard. Letters available from companies available upon request. Pictures of said misdeeds attached. I want my credit score fixed, and these actions corrected immediately and an investigation as to how they can do what they did without just cause and proof from said companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  ASSOC Account Number : XXXX BANK OF XXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX  COLL Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected by the Equifax Data Breach and Equifax has denied me access to my file
Product: Checking or savings account

I received a debit card from Wells Fargo with my name. 
I have not applied or have any business with Wells Fargo. It is tied to another account, in which the agent I reported to could not give me information about, inclduing a telephone number.
Product: Student loan

My loan was moved from XXXX to EdFinancial earlier this year. During this time there was about 1-2mo period where my loans were being transferred and no payments could be made. I am on a SAVE plan meaning I should accrue no interest as long as my minimum payments are made. My interest accrued during the transfer by several XXXX dollars. I reached out to EdFinancial and they said that since the interest accrued during the transfer period there was nothing that could be done about it. I did not ask for the loans to get transferred. I made all my payments on time. I do not think I should have to pay several thousands more in interest because of a transfer done that I did not ask for.
Product: Student loan

On XX/XX/XXXX I received a call from XXXX with the Federal Student Aid Program offering me a Forgiveness program ( which I found out later that it was fraudulent ). At the time they explained that I should immediately stop paying Navient and begin paying them and that my loans would go directly to the Dept. of Education because they were a government company. I began receiving documents from Navient ( who was the initial company I was paying my student loans to ) on XX/XX/XXXX stating that they are helping me with a direct consolidation loan, which I already had for several years and have been paying on for several years. I notified the " Federal Student Aid Center '' and they refused to return my calls but sent a text message stating that the documents I received were in line with what was needed for my forgiveness and to not do anything with the documents. on XX/XX/XXXX I  received another letter stating that my student loan amount of {$48000.00} will now be {$82000.00}. I have been paying for over 10 years and began this journey with a {$24000.00} student loan debt. I do not understand how a {$24000.00} total can end up being XXXX  when I have never been garnished or in default. I have had forbearances and deferments but that has not been within the last 10 years.

In addition, in XX/XX/XXXX when Sallie Mae split becoming Sallie Mae and Navient, my loans went from XXXX ( due to interest from forbearances and deferments ) to XXXX  and my fixed 2 % when to over 3 % and is now at 3.875 % They also gradually every year went up on the amount they took from my bank account without notification. I work for a XXXX and have not received a raise in over 8 years. So while they were taking money and not working with me to make appropriate payments, they were increasing the amount that they were taking out of my account and I am now in Jeopardy of losing my house.
Product: Debt collection

XXXX Around XXXX I called CU Recovery after receiving a letter in the mail and spoke with XXXX XXXX XXXX He told me I was legally responsible for {$1300.00} that went past due in my father 's account because I had opened an account with him. I tried explaining to the man at the company that I never opened an account with my father and was not responsible for this debt. The exchange was less than pleasant on both ends and I disconnected the call. 
I then called XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke to XXXX. I asked to speak to a supervisor or manager. She asked me if she could help. I explained to her that I had received a collections notice in the mail and what I had learned from speaking with XXXX at CU Recovery. I told her I have never been to XXXX XXXX and don't recall ever signing anything to be placed on an account with my father. XXXX placed me on hold and then XXXX picked up the phone. I told him my concern, that I had never been to XXXX XXXX and don't recall signing anything to be put on my father 's account. He told me he couldn't find any authorization and that after talking to his credit department he would call me back. 

XXXXI did not receive a call back from XXXX, so I called back up to XXXX XXXX. XXXX answered the phone and I explained who I was, telling him I needed an update since I hadn't received a call back. He seemed surprised that no one called me back and said a gentlemen by the name of XXXX XXXX was supposed to have called me back, but he's in a different time zone so maybe that's why he didn't call. 

XXXXI still have not received a phone call and that's why I have decided to start a formal complaint. I don't know if they reported this against my credit, or how my name got added to an account without my signature or permission. I have no answers.
Product: Consumer Loan

I was a co-signer with a son in law. Wells Fargo.on a car.
Product: Debt collection

Dear Sir/Madam, I have contacted the company Credit Bureau Services multiple times on XX/XX/2020, XX/XX/2020 and XX/XX/2020 in regards to an alleged debt in which they are reporting on all three of my credit bureau reports for the sum of {$2000.00}. 

The original creditor shows as- XXXX XXXX XXXX. 

To date I have received no response from Credit Bureau Services after my numerous requests for validation for this alleged debt. Credit Bureau Services also verified this as accurate information with all three credit reporting agencies after I disputed this account. 


Thank you for any help that you may provide. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent two dispute letters to investigate inquiries that are unauthorized to remove them or provide proof with my signature that I requested credit from these alleged creditors. Its been over 60 days and nothing has been removed nor have I received proof
Product: Credit reporting

I am aware that a dispute is in process and I am providing new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Equifax credit report. I redacted text on the letter that is not relevant to my complaint however I do give Equifax authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX XXXXXXXX - Account ending with XXXX XXXX XXXX XXXX XXXX  XXXX. - Account ending with XXXX, XXXX, XXXX, and XXXX XXXX - Account ending with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Debt collection

Earlier fraud reports to Bank of America. No resolution as of yet. Continued auto debits. Received an insufficient funds notice as of recent. Attempted contact as seen in attachments, though no resolution has been met. I have no way to update payment, regardless of debt being validated. Continued debits and lack of ability to accommodate XXXX related to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the tradelines in my credit report is reporting the wrong status on TransUnion. 

Reference Number : XXXX Date Filed : Reported on XX/XX/XXXX Classification : Lien Responsibility : Individual Amount : {$1300.00} The CA lien was reported in XXXX. It is currently XX/XX/XXXX, over 6 years since the lien was originally released. 

It should be taken off the TransUnion credit report.
Product: Mortgage

RELATED TO CASE XXXX DATED XX/XX/2015 WELLS FARGO BANK. WELLS FARGO BANK, SERVICER AND REPORTEDLY LENDER XXXX XXXX XXXX HAS FRADULENTLY SOLD HOME.USAGE OF FABRICATED DEEDS. I REQUESTED DOCUMENTS OF SALE AND WAS REFUSED. I AM REQUESTING DOCUMENT TO VERIFY SALE WITH PROOF OF PURCHASER AND TITLE FOR NEW OWNER TO VERIFY REGRISTERY.