23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted MOHELA on XX/XX/XXXX to request a refund of several payments I had made during the pandemic pause. Some of the payments were made through XXXX XXXX because the loans had been transferred to MOHELA in XX/XX/XXXX. MOHELA stated they will submit the request to refund these payments. I received a refund on XX/XX/XXXX for the payments I had made to MOHELA but not the payments I had made to XXXX XXXX. I contacted MOHELA again on XX/XX/XXXX. I waited on hold for over 3 hours and was then disconnected before I could speak with a representative. I then sent MOHELA a message via the website on XX/XX/XXXX and as of XX/XX/XXXX still have not received a response. I called MOHELA again on XX/XX/XXXX. The representative let me know that MOHELA had contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX but had not heard back so I need to keep waiting. I called MOHELA yet again on XX/XX/XXXX as it had been over 8 weeks since my refund request and spoke with a representative that could not answer my basic questions. 
She told me it could be up to 60 business days now or potentially longer for the payments to be refunded. When I asked her to send another request to XXXX XXXX she told me she would but then hung up on me and did not attempt to call me back.
Product: Credit card or prepaid card

In XXXX i noticed that only on my XXXX there was 2 Capital One accounts. Both these accounts were opened on XXXX XXXX. I called Capital One to discuss this matter and I have not heard back from them. This fraudulent account was only reported on my XXXX report. I've been recently aware that I was impacted in XXXX XXXX data breach and I'm very concerned that my social security number has been sold/compromised. i checked on my report and it's no longer there but why hasn't CapitalOne, nor XXXX reached out to inform me of the investigation findings. I strongly feel that this is a cover up fraudulent account and evidence is being destroyed to prevent actions taken against them. The Privacy act of 1974 was violated.

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Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used t verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Checking or savings account

On XX/XX/21, my son, who is a XXXX XXXX, was emailed a check for {$2000.00} and deposited it into his saving account at Wells Fargo. The person said that my son was overpaid and needed to send her back {$1000.00}. My son used XXXX to send that {$1000.00} back. On XX/XX/21, of course that check bounced causing his savings to go into the negative and consequently, he is out {$3000.00}. This whole situation was obviously fraudulent taking advantage of someone's trust. I went to a branch of the bank to discuss options and left feeling very undervalued as a customer. I expressed my concerns asking questions and the person just offered to close all my accounts for me. They said he is responsible to bring that account out of the negative fully and if not, they would pull money from one of the other accounts to do so. I was informed that if it wasn't paid back, his account and information would be noted with a banking regulator and he would not be able to get another bank account at other banks as well. I've been a customer at Wells Fargo for 25 years and carried a large amount of money in the bank. My immediate family has 8 different checking/savings/investment accounts in this bank. There are actions I feel the bank should have taken to protect it's customers in a situation like this. 1 ) This fraudulent activity isn't the first time it's happened with a bank like Wells Fargo. This was clearly suspicious and they should 'red flag ' certain accounts or even any check not coming from a regular income stream. 2 ) All of this money should not have been made available until the check cleared. Obviously this is a XXXX time and learning lesson for him as a XXXX XXXX  but the bank was neither helpful or sympathetic in the to situation.
Product: Debt collection

**Re : Unlawful Reporting of Charge Off Request for Immediate Correction** To Whom It May Concern, I am writing to formally dispute the reporting of a charge off on my account, as reflected on my credit report. This inaccurate and unlawful reporting violates the Fair Credit Reporting Act ( FCRA ) and specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires that only accurate and complete information be reported to credit reporting agencies.

Furthermore, I have not received a 1099-C form in relation to this alleged charge off. The IRS mandates that a creditor must send a 1099-C for canceled debt exceeding {$600.00}, and your failure to do so further underscores the inaccuracy of this reported charge off. The absence of this form indicates that no cancellation of debt has legally occurred, thus rendering this charge off report invalid. 

I hereby demand that MCM  immediately remove this false charge off from my credit report. If this matter is not resolved promptly, I am prepared to pursue legal action to enforce my rights under the FCRA and other applicable consumer protection laws. 

Indirect contact of a consumer report not only violates FDCPA law but violates my privacy rights as the information collected by MCM doesnt match information on my credit report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The stated address in this alleged debt has never been associated with me. Thus becoming fraud which has been furnished in an FTC report. 

Please provide written confirmation within 15 days that this erroneous reporting has been corrected, or I will proceed with litigation.
Product: Mortgage

This account is in my mother name. I have paid for everthing that has to do with the camper that I live in. I noticed that a payment was not paid. i sent payment on XX/XX/2019 and Ally return the payment back to my bank on XX/XX/2019. On XX/XX/2019 I call to see why they said that i owe {$1700.00}. that by my records I was only missed XXXX payment. they have it in repossession. I told them they refused a payment that means the account is paid in full.the call was recorded on my end
Product: Bank account or service

I received a letter from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX, Tel : XXXX informing that effective XXXX/XXXX/2015 our HOApayments will be sent to Bank United and asking to discard the old coupons withthe information for XXXX. When I visited XXXX website toschedule my payments online, I found a convenience fee as follow : standardprocessing new bank account {$3.00}, credit card {$9.00} ; express pay new bankaccount {$9.00}, new credit card {$9.00}. Please note that with XXXX wedid not have any fee when paying online. This is a rip off, please stop them. 
For security reasons this is an anonymous report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : 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 US SM BUS ADMIN ODA 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, credit repair services, or other personal consumer reports

XX/XX/2020 I contacted XXXX  and on XX/XX/2020 I contacted Experian to dispute a collection on my account. The company is XXXX XXXX XXXX. They notified me of a hospital bill I owed with XXXX XXXX XXXX on XX/XX/2020. I thought the bill was paid by insurance and that I met my deductible but it was not. By the time I verified the debt it was toward the end of XX/XX/2020. The company contacted me and I told them I intended to pay the debt and the next day I made the first payment. I made the final payment on XX/XX/2020. I understood that the XXXX XXXX XXXX  XXXX ( XXXX ) prohibits adding medical debt to credit reports until after 180 days from the time the account was reported to the credit reporting agency. It also mandates the removal of previously reported medical collections that have been or are being paid by insurance. It is a medical bill and I am unsure why XXXX  did not wait 180 days before posting it to my account. If they were notified at the same time I was about the unpaid medical bill, it shouldn't have been placed on my account until after XX/XX/2020 which by that time it was paid.
Product: Credit card

Review the attached documents. I am requesting the bureau to start an investigation into these accounts, as they incorrectly indicate late payments, even though I have a record of being punctual.
Product: Credit reporting or other personal consumer reports

Account was paid in full back in 2021, they will not remove from my account. They just say its correct. They dont even reach out to the business
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.
Product: Credit reporting or other personal consumer reports

I filed several disputes on my account through experian with the Membership ID # XXXX with the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I learned that experian is notorious for telling consumers that they will not investigate accounts if they have previously investigated and now we see that they never really investigated anything for consumers. I am demanding that this derogatory remark be removed or corrected today! 
I have requested several times to dispute certain items on my credit report with no real investigation taking place. I have items on my report that is preventing me from finding housing and effecting my credit score which doesnt allow me the access to loans, credit cards ect. They denied following up on any of my disputes. Experian has not attempted to remove nor correct any information. Experian violates my rights as a consumer, as well as federal laws.
Product: Mortgage

Suntrust Mortgage Inc serviced my mortgage XX/XX/XXXX. Property coat {$280000.00}, down payment {$70000.00}. I applied for modification XXXX XX/XX/XXXX I received a illegal type of modification. The loan was sold/transferred without my knowledge to XXXX. I went to see the vice prespresident of Suntrust. XXXX XXXX. denied the transfer. XX/XX/XXXX I went back to the branch, VP XXXX XXXX. Stated my mortgage was sold for {$210000.00}, the exact amount which I borrowed. Suntrust continued withdrawing my payments & also sent the same amount to XXXX. Months of payments shipped by XXXX to XXXX XXXX, these checks where signed & cashed without informing XXXX, or applying any payments to my mortgage.XX/XX/XXXX the property sold. XXXX pay-off {$26000.00} delinquent charges to the credit agencies. The loss of my Credit History distroyed by Suntrust reporting illegal negative statements this ongoing dispute began XX/XX/XXXX My loan was not underwater. I made my monthly payments using my Suntrust Sure Pay Checking & Savings Account. I met with VP XXXX hurried outside, her father just passed away. I walked with her to her vechical, she looked at me and stated, " I 'm sorry XXXX '' I can not access a Suntrust Mortgage Acct that is closed. But if I where you, I would get my money & close your acct. I was devastated, afraid, totally depressed. Scheduled for my XXXX XXXX XXXX XXXX, it was all bad. Made me sick I needed a reason to live. So, I prepared my home for immediate sale.XX/XX/XXXX, three months later I walked away with {$1400.00} dollars. Today is XX/XX/XXXX Please help me out here. Suntrust XX/XX/XXXX must comply to the credit agencies by written facts recorded deed Satisfied Paid Account Closed. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1. XXXX - XXXX XXXX XXXX ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX 4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX XXXX  has violated my rights 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have an online account at MoneyGram and attempted to log on to complete an international funds transfer. I could not log in at all and kept getting an error message saying to try again later. I called the company and after several minutes, the rep told me my account had been " permanently closed '' and that I should try another money transfer company. I asked why this occurred and was not given an answer. I asked to speak to a supervisor. The rep said none was available, but there was a person there with more " authority '' than the rep. I spoke to that person who gave me the same blanket response. He eventually said sometimes accounts are closed for the " protection of the consumer. '' I explained that I personally knew the person I was sending the funds to and asked for the close to be lifted. He said he could not do it and directed me to the website 's customer support section. I filed a complaint there, got a " support tracking number '' but have had no response. I also went in person to a MoneyGram location the next day XX/XX/18 to attempt to transfer the funds, but the transaction was cancelled and would not go through. I send funds frequently internationally, as I am a XXXX and send these funds to the people we support there. I need this service to be restored and I need to be able to access my online account.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns with Zelles handling of disputes, particularly in light of recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They have neglected to protect consumers and also allowed repeat offenders to exploit the system.
Product: Credit card or prepaid card

On XX/XX/2018 I was charged a late fee of {$27.00}, because I did not have access to the internet XX/XX/XXXX, and XXXX due problems with ISP. 
I also have XXXX  very small kids - so it's hard to get out of the house. 
I paid the minimum due as soon as internet became available - on the XXXX. 
Please refund the fee
Product: Checking or savings account

I keep getting multiple letters from multiple sources of credit and debit accounts being opened in my name including pnc, XXXX XXXX XXXX  all throughout the month of XX/XX/XXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX  contacted my employer and called my place of employment. I do not know what the call is in regards to. She needs to cease all calls to my employer for they are not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts thats Ive marked as inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Debt collection

XXXX company contacted me on be half of Pendrick Partner in regards to XXXX medical debts from XXXX i sent off request for VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. I respectfully requested that there offices provide me with competent evidence that I have any legal obligation to pay and proof this debt was indeed rightfully min. Soon after on XX/XX/XXXX i received notice from XXXX / CURRENT CREDITOR, PENDRICK CAPITAL PARTNERS ; saying that they have investigated my dispute and at the time does not have sufficient information to fully respond so they discontinued collection effort on these XXXX accounts : conformation number XXXX TODAY IS XX/XX/XXXX THESE ACCOUNT ARE STILL ON MY CREDIT REPORTS AS COLLECTION NEGATIVELY REFLECTING. 
BUT PENDRICK CAPITAL PARTNERS HAS SOLD TO ANOTHER COMPANY THESE EXACT SAME DEBT NOW SOLD TO XXXX I HAVE REACHED OUT TO XXXX AND PCP REQUESTING THAT THEY PROVIDE OR DELETE THEY WERE ASKED TO KINDLY WHICH HAS NOT BEEN PROVIDED ITS BEEN 90 DAYS SINCE IVE ASKED VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 
THE COMPANY IS CLEARLY RESELLING DEBT THAT HAS BEEN CLOSED TO OTHER COMPANIES
Product: Mortgage

We are victims of Wells Fargo 's illegal acts and consumer abuses. As per the XX/XX/2022 CFPB Consent Agreement with WF, they have done illegal acts & consumer abuses against us. WF did severe escrow account violations and insurance fraud when they stole our fire insurance money. Wells Fargo owes the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$700000.00} and we want WF to cut us a check in the amount of {$700000.00} out of the {$3.00} Billion victim 's fund. Wells Fargo stole {$700000.00} out of our insurance escrow account. XXXX XXXX XXXX XXXX paid {$1.00} million to WF escrow account in fire insurance money that was intended to repair and rebuild our home after a terrible fire. According to the Buidling Department and public records, only {$300000.00} was spent on our house. A portion of that {$300000.00} was the builder 's salary and 20 % contractor 's fee. We need Wells Fargo to cut us a check for {$700000.00}, the remained which was in the Wells Fargo escrow account, which was stolen, thanks to Wells Fargo and their illegal acts against their customers. We need this money to repair and rebuild our home. The house is greatly devalued and the neighbors are very upset that WF stole {$700000.00} of our insurance money and devauled our property, bringing down property values in the whole neighborhood. We have a 90 page list of specifics that XXXX XXXX XXXX  paid for with the {$1.00} million settlement that they put in the WF escrow account. We have estimates for the repairs, {$100000.00} to remove drywall and install new water pipes, replace with new drywall, the pipes are leaking as they were damaged in the fire ; {$100000.00} to replace XXXX destroyed windows and doors ; {$45000.00} to replace fire damaged roof ; {$50000.00} for soot removal ; {$35000.00} to replace fire damaged floors in 6 rooms ; {$6000.00} to replace carpets in 3 bedrooms ; {$13000.00} to replace a sub-zero refrigerator ; {$13000.00} to replace damaged chandeliers ; {$11000.00} to replace fire damaged drapes ; {$50000.00} to replace 4 fire damaged HVAC units ; {$5000.00} to replace 3 hot water tanks ; {$1000.00} to replace fire damaged washing machine ; {$5000.00} to finish the kitchen ; {$6000.00} to finish the electric ; {$25000.00} to rebuild the staircase ; {$30000.00} for laborers who never got paid ; {$50000.00} for paint ; {$10000.00} to replace fire damaged XXXX XXXX XXXX XXXX ; {$8000.00} to replace damaged gates ; {$8000.00} to replace fire damaged beds ; {$10000.00} to replace fire damages sofas ; {$10000.00} to replace fire damaged double french front entry doors and hardware ; {$3400.00} to replace XXXX televisions ; {$50000.00} replacement furnishings 7 bedrooms, linens, bed frames, pictures, tables, lamps, etc ; {$20000.00} to replace 2 upstairs bathrooms damaged by fire ; and so forth ; TELL WELLS FARGO TO MAKE THE CHECK IN THE AMOUNT OF {$700000.00} PAYABLE TO : XXXX XXXX XXXX XXXX XXXX XXXX and mail the check to the subject property address : XXXX XXXX XXXX XXXX, XXXX FL XXXX.