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

Experian never properly analyzed nor investigated the account that I submitted a dispute for which is Social Security Administration. They also never submitted me a letter of validation in the matter to how they investigated the problem
Product: Debt collection

I have repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, as I have been a victim of identity theft.
Product: Mortgage

Now that the XXXX forebearance is over, I applied with my mortgage company, Wells Fargo Home Mortgage for assistance such as a loan modification or to at least have missed payments put to the end of the loan. 

They advised me on the initial call back in XXXX that they would not be able to tell me what I qualified for. I had to submit all required documents and they would let me know which assistance I qualified for. Basically, lets put everything in a basket and see what we can do. 

I had to call again about a week later, after not receiving any word from them as I was advised. They advised me the rep. did not do what he was supposed to and it had to be corrected. 
Throughout the XXXX  month process they have not been contacting me with any updates, as I was told they would. I have been only able to check the XXXX XXXX online to see what documents were needed and to upload them. Now that the decision was made, it doesnt have ANY information. If I had not called them today, I probably would not have known this decision until it was too late and my home would be in foreclosure. 

Now, after XXXX months they advise me I do not qualify for ANY assistance because I do not make enough money. They can not modify my payment or interest rate and I have to make all the back payments and resume regular payments. 
If I do not make enough money, how can I repay this lump sum AND resume regular payments?! 

I was then given information on XXXX sale options. 
When I became upset and demanded an explanation, he went on to say how I specifically requested the modification and went on to explain it was denied because I do not make enough money. I would only be calling them every month pleading for more help. 

Be advised this is my XXXX  mortgage with them. I qualified almost immediately for my XXXX mortgage, AND the payment and interest rate was reduced. 
( I applied for and was approved for the XXXX loan AFTER I applied for this one. ) How do I qualify for modification with the same company for XXXX loan, but not the other?! 

I would also like to add that I have had this loan for over XXXX  years and even when my account was up to date, it has only been reduced by all those years of payments, by {$5000.00}. 

Also, be advised this is the XXXX time this has occurred with Wells Fargo, where they approve a modification for the main mortgage, but not this one. 

I feel that they have and still are attempting to steal my home with these questionable actions and your investigation and assistance into the integrity of this loan would be greatly appreciated. 

thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because Account-XXXX Consumer Account - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts.
Product: Mortgage

I have a mortgage with Wells Fargo Home Mortgage I unfortunately, I got XXXX months behide in my mortgage payments. However, I missed XXXX and XXXX 2015 payments, but I was on track with my XXXX 2015 until present. Technically and legally i am only XXXX and XXXX months behide. I agreed in XXXX 2015 to pay XXXX to bring my mortgage current starting in XXXX. My bank sent Wells Fargo a check in the amount of XXXX on XXXX XXXX 2015 for XXXX payment and also in XXXX XXXX for XXXX payment. Wells Fargo now is saying that I 'm XXXX behind and has put a foreclosure in place. When I called Wells Fargo to ask why did not my XXXX payment get applied to my loan, they claimed it was no where to be find. I have copies of all the checks, i have proof that Well Fargo cashed the checks. Then Wells Fargo did not accept the XXXX payment of XXXX. My checks from XXXX until present have not been applied to my loan. Then they have lost a check worth XXXX and saying it do not exit and now want to foreclosure my house because of their mistake. I need a resolution Wells Fargo must not be allowed to get away with this kind of practice!!!!!!!!! as a loan lender.
Product: Credit card or prepaid card

I had filed XXXX separate disputes with best buy/citi group XXXX The first one was over the phone in XXXX of XXXX and the second was online in XXXX of XXXX. The phone dispute i received no official resolution on and kept paying my bill through the process. The online dispute was denied and i was provided with no proof of denial. They stated in the denial letter that they had evidence that the purchases were made and they were not fraudulent which is not possible as they were not purchased by me. A letter was then sent into the company asking for the proof and evidence to deny the claim and we heard nothing back. At that point we stopped making payments on the credit card as we felt upwards of XXXX dollars was not purchased by us. Then the balance increase from apr rates kept increasing. We felt that we were making payment at this point on purchases not made by us and on interest that kept going up based on purchases not made by us. The next time we heard from them was when we received a letter that our account was closed and that they were threatening legal action unless we made payment. We are willing to make payments on what is actually our balance, but again best buy/citi group has provided no evidence or proof of what is ours and what was fraudulently purchased. We are willing to go to court to defend ourselves against the fraudulent charges. Again we are willing to work with best buy on this matter but we will not make payments on a XXXX balance on our account that is not ours.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CARD on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Checking or savings account

It has been 5days without access to my money in saving or checking! No access to my funds to withdrawal nor use the debit card! Capital one has states its a 3rd party vendor but no real answer! They also said it was a nationwide EFT issue and its being worked on! All lies. My savings account interest rate has not paid as indicated and stated! Capitol one is keeping me from my hard worked money and blames it on technical issues for the past 5 days
Product: Credit card or prepaid card

American Express is charging me for Item and services I did not receive. 
They are refusing to dispute the charges. 
Amex promise to have a supervisor call me but did not.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00}
Product: Checking or savings account

Ive had three transactions made through my account from a company called Money Lion I have never heard of this company, have no reason to be giving loans or XXXX to anyone or for anyone. 

XX/XX/XXXX : {$9.00} membership XX/XX/XXXX : {$44.00} loan XX/XX/XXXX : {$600.00} XXXX Ive froze both my checking and savings account, replaced the debit card and am still getting charged. Ive reached out to money lion and completed a file complaint, tried to do a XXXX chat and the button is unusable.
Product: Debt collection

This is NOT my debt I dont own this debt neither do I claim it. I have no knowledge of it, Theres been MULTIPLE disputes and deletions off my report due to inaccuracies. 

Theres been no Validation of debt proving that this is my debt, Not a bill. But a contract and a wet signature or something substantial validating and proving this is my debt. Its illegal to keep reporting a debt that isnt validated. 
Multiple FCRA laws are being violated. 

If you cant properly VALIDATE this is MY debt DELETE it from my report ASAP or legal actions WILL be taken.
Product: Debt collection

Midland Funding LLC has been using illegal collection tactics. They negatively re-aging XXXX of my very old accounts, causing them to falsely appear more recent in my credit reports and to stay on my reports longer than allowed by the Fair Credit Reporting Act. They are incorrectly reporting the dates of first major delinquencies as XXXX, XXXX, and XXXX which are ALL AFTER they took over the accounts from the original creditor. The true first major delinquencies were XX/XX/2007. Thus, this collection agency is unlawfully negatively re-aging the accounts. I have not made any payments nor engaged in any activity with this collection agency nor the original account creditor since XXXX. The dates this collection agency have reported are therefore completely and illegally fabricated. I request that per FCRA requirements, these XXXX accounts be removed from my credit reports due to the original accounts being over 7.5 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 student loan account with XXXX  XXXX about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile on XX/XX/19. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my equifax has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both XXXX  and Equifax ONLY. The account numbers are loan # XXXX XXXX Account # XXXX XXXX.
Product: Checking or savings account

{$990.00} was stolen from my checking account at Citibank on XX/XX/year>. 

Old checking account number : XXXX Routing XXXX Claim number : : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 I used Remitly.com to attempt a transfer of {$100.00} to my bank account at XXXX XXXX XXXX XXXX ( XXXX ). They charged my debit card for this {$100.00}, and the automated response indicated that the funds would be available in the account by XXXX XXXX  on XX/XX/2020. The funds have still not appeared in my account. There is a link from my confirmation email from remitly.com to track the transfer. Every day since XXXX XX/XX/2020 I have followed this link, and the delivery date keeps being pushed forward to the present day at that website. The most concerning thing is my attempts to contact them have all failed. They have a " contact us '' web page that offers three methods : online chat, phone, and email. Only the chat method ever shows availability, but the link there appears to be inactive, it does not direct one to any chat page. I have attempted to follow the chat link each day since XX/XX/XXXX, and it is totally unresponsive. As a result of my experience, from remitly.com I would request that my {$100.00} be returned to me without charge, but there appears to be no way to contact this company to seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by XXXX points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.
Product: Credit card

XXXX XXXX XXXX XXXX placed a publication on a non local check and its availability. The check returned and a police report had not been filed for the incident until XX/XX/XXXX. The bank returned all credit card payments in this case Aspire visa. Aspire Visa payment was returned on account at that time local authority 's would not allow a police report to be filed. XX/XX/XXXX a fraud report was taken by the police department. I would like the debit of the credit card corrected. In this case of Aspire Visa in which to a law suit was conducted or the credit card company was a law settlement and for XXXX of the XXXX credit cards a XXXX was filed in debit forgiveness. I have XXXX other Aspire Visa VIP credit card that no legal notice for it has been corrected to my knowledge. I have mailed Aspire Visa letter after letter. All they had sent in return before the police department filed a police report was a debit collections deduction. Wherefore the Police departments police report was filed on account of an identity theft indicator placed by the IRS. XX/XX/XXXX-XX/XX/XXXX:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX after bank sent me letter advising me to contact XXXX. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank USAA and XXXX have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say XXXX  has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what XXXX is telling everyone but me. 

Regards XXXX
Product: Debt collection

I had a small credit card account with 5th third bank that I rarely used and had a XXXX balance on. At some point they charged me an inactivity fee but NEVER sent me a statement via Email ( how my account was set up or us mail ) Causing me to go 30 days delinquent I caught this because I got turned down for credit and I got a copy of my credit report. 
I called 5th 3rd and sure enough they told me abut the issue. I Arged with them and they reversed all fees Late and inactive and closed the account for me. I asked if I was goinng to still be considered 30 days late ... They said no so I waited and ordered another credit report to find they still had me reported as 30 days late. I disputed the report and they responded that the reporting was accurate. I am attaching a statement to show they reversed the fees. I want my credit report restored to a never late on this account and I think 5/3rd should pay me {$200.00} for my time and inconvenience in fixing this
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt collection under {$500.00} still reporting to my credit. Per new laws as of 2023 all medical collection account under {$500.00} should be removed from credit reports.
Product: Student loan

As of XX/XX/3, PHEAA/AES has engaged in sending more than a combination of XXXX separate digital communications or physical communications either via US Postal Mail or email, separately since the payment went past due on XX/XX/2023. These communications only pertain to XXXX balance on the account. Instead of including multiple loan sequences in XXXX notification, PHEAA/AES has been sending the same notice about XXXX balance being past due but including separate loans in each communication. I have warned the company on many occasions to desist with this behavior, but they continue to deflect and deny any wrongdoing. I have issued XXXX final warning before I decide to file suit against their agency for extreme misconduct and a breach of my right to be free of harassment. There are no places within any contractual agreement that it states they have the free right to annoy consumers because their loan becomes past due nor does it state they have free reign to send as many notices as possible. This is a demand that only XXXX notice be sent whenever a payment becomes delinquent. The timing is of no consequence, however, only XXXX notice either electronic or physical ( XXXX separate to both cosigner and borrower ) should be necessary. If PHEAA believes they are bound by their policy, they need to engage their counsel on the rules of communication. These might be just some of the reasons behind the company 's demoralizing conduct and the reason why the Federal Government really has no interest in doing business with them from a prolonged standpoint. 

The Debt Collection Rule prohibits certain communications and attempts to communicate with a consumer in connection with the collection of a debt. For example, it generally prohibits communications with a consumer at inconvenient times or places, after a consumer has refused to pay, or after a consumer has requested a debt collector to cease communications. 
Additionally, it generally prohibits a debt collector from communicating or attempting to communicate with a consumer at the consumers workplace if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communications. Similarly, it generally prohibits communications with a consumer if the debt collector knows the consumer is represented by an attorney. 12 CFR 1006.6 ( b ) and ( c ). 
For purposes of these prohibitions, which are discussed in this Section 4, a consumer includes not only the natural person who is obligated or allegedly obligated to pay a debt but also that natural persons : ( 1 ) spouse ; ( 2 ) parent ( if the natural person is a minor ) ; ( 3 ) legal guardian; and ( 4 ) confirmed successor in interest.6 If the natural person who is obligated or allegedly obligated to pay the debt is deceased, the term consumer also includes the executor or administrator7 of the natural persons estate as well as the natural persons surviving spouse, surviving parents ( if the natural person was a minor ), and confirmed successor in interest. 12 CFR 1006.6 ( a ) ( 1 ) - ( 5 ) ; comments 1006.6 ( a ) ( 1 ) -1, ( a ) ( 2 ) -1, and ( a ) ( 4 ) -1. 


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