23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo made it look as if I was not making my monthly mortgage payments. 
I was making my payment, I was Neverr late over the 13 years in my home, But every payment I made showed up on my monthly statements as " Not Applied '' So they were taking my monthly payments, but were not applying my payments to my loan. There was a short period of time they setup automatic drafts from my checking account that was for my monthly payments, The money was drafted from my account, but again, " Not Applied '' to my loan and no one could tell me why, or could straighten this out, because they were doing this on purpose to make it look as if I wasn't making my payments so they could foreclose, ( Steal ), my home that I had built for my family.

I had never missed a payment over the 12+ years and I had pleaded with Wells Fargo to stop doing this, and fix this issue... During the last period of time I had even called Wells Fargo and told them that I will air mail them a Cashiers Check for {$9000.00} to put my account back in good status and stop trying to take my home. I had over {$27000.00} in my checking account at this time and could cover this payment but they denied me this opportunity and would not accept this payment, Which I believe even if I did they would of just kept my money and not applied it to my loan as they have been doing. 
As I stated I was in my home for over 12 years, Never missed a payment, I had over {$80.00}, xxx in equity which they also took from me along with the home my family lived in. 
They took everything from me, destroyed my marriage of nearly 25 years, and also destroyed my credit rating .... I tried every day to get them to stop what they were doing, but they never did and I lost Everything in my life I worked for for over 20 years... 

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

there is fraudulent accounts opened in my name and reported on my credit report
Product: Credit reporting or other personal consumer reports

I am putting XXXX, experian and XXXX up under notice for potential Fraud and bad business practices for Harboring Negative personal information on my consumer report that I have already opted out of reporting from XXXX, experian and XXXX All the following collections are negative experiences and Accounts in accordance to 15 us code 1681A I If all collections are not removed I will escalate this case to the federal level where XXXX, experian and XXXX will have to answer for The reporting of such information without my written authorization, Without ever disclosing and documentation for me to opt out of Information reporting Remove all collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXXXXXX XXXX XXXX I decided to go back to school and I was contacted by a recruiter from XXXX XXXX XXXX  about attending their University and take online classes. I had just lost my job and was under a lot of stress about loosing my home and my vehicle. I was called everyday by the recruiter pressuring me to enroll in their school. I had no idea how online classes worked and had not been in school for 20 years. I was a single parent and I was hoping that with the financial aid I could pay for my housing until I was able to get another job. Well they enrolled me in their school and did not show me how the online campus work so I was completely lost and when I tried to reach out to the recruiter who I had been speaking with for weeks I was never able to get back in touch with her and the number that I had been using to contact her was no longer accessable. I then was told by someone in the financial aid department that I was awarded financial aid for the semester and I never attended any classes. I immediately contacted the loan service provider XXXX and let them know that I had been pressured into signing up for this school and I never attended any classes and I also had withdrew from the University. The student loan was sent back to the government and now I'm receiving a letter from a debt collector saying that I owe {$1800.00}. I don't know how that works but I'm not financially able to pay for schooling that I never attended and I felt scammed after it was all said and done. I hope that I have given enough information so that this matter can be resolved and in case it happens to someone else. Thank you
Product: Credit reporting or other personal consumer reports

I am requesting this account to be removed or updated on my consumer report paid and Full I consumer, and natural person, i am award of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) * 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission from my understanding charge off is considered income by the irs and income can not be reported.And That is considered tex fraud
Product: Consumer Loan

Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint because there have been multiple violations against from the credit bureaus, I sent several letters and I have yet to hear anything and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying secure financing for a property and this is becoming a heavy burden on my personal family Life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX  that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.
Product: Mortgage

I own a XXXX XXXX with a partner and I was buying him out with a XXXX exchange from another property I sold. I applied to assume the loan that my partner and I have together on XX/XX/XXXX. I was denied in approx XXXX because of my ratio. I resubmitted the application with more income from my retirement and as of XX/XX/XXXX its been in underwriting. No assumable loan should take 3 months to tell a customer that they qualified or not. I have a XXXX credit score, no credit card debt, my ratio is good. Im trying to assume a loan that Im half on already. The building is worth XXXX and we owe XXXX. Im giving partner XXXX cash and assuming the loan of XXXX through chase bank. They have been giving me a run around since XXXX. Please help. I have never been denied a loan and I have done 15 to 25 loans in my lifetime. XXXX, I have lost XXXX in rental income waiting for them to approve or disapprove this loan and may have to pay penalty taxes for not getting XXXX exchange done In time by XX/XX/XXXX XXXX
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. XXXX ) 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. There is multiple accounts that are inaccurate and Ive tried to dispute multiple times
Product: Debt collection

A week or so back, I disputed the information on my credit report when I noticed this collection placed. I have no knowledge of this account, and am unsure of the debt. Since then, I still have not heard back from the company or XXXX. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX  XXXX  XXXX, Opened XXXX XXXX, 2018. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

They wo n't let me access my money through XXXX
Product: Credit reporting or other personal consumer reports

Report number XXXX & date XX/XX/23 Report number XXXX & date XX/XX/23 in violation of the hero 's act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well. 
Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent. 
Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law. 
The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic. 
# # # The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.
Product: Money transfer, virtual currency, or money service

Im filing a complaint Against Cash App ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effectively measures to prevent an address fraud on their platform, leaving my account vulnerable in unprotected. Furthermore, this dispute resolution process was unfair and deceptive, as they think they did not comply with error resolution requirements under the electronic fraud transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress.
Product: Student loan

Today I called Navient to discuss a new payment because my forbearance is ending in a couple months. I am currently enrolled in an extended graduated plan which I understood to be an IBR plan - I thought all plans besides the normal payment amount were IBR. I asked the representative why interest was capitalized in XX/XX/2015 because interest should not be capitalized ( or accrued or something ) during IBR, unless you get off of IBR. She told me that because I left IBR and got onto the extended graduated plan, that the interest was capitalized. The change from IBR to extended graduated was made over the phone in XX/XX/2015 with Navient. I have no recollection of being told I was leaving IBR, and I most certainly have no recollection of being told that interest would now be capitalized. 

I am really upset that I do n't get a clear answer from Navient on what exactly will happen to my loan and balance until after everything is said and done, until all of the interest is tacked on to my loan. I thought I was making a good financial decision to go onto the extended graduated plan and only now I fully understand that was a bad financial decision. 

STUDENT LOAN REPAYMENT PLAN DISCLOSURES MUST BE IMPROVED : I am a very educated person and even I ca n't seem to make fully-informed decisions on my student loans because the repayment plans and rules are so complicated. These 'repayment ' plans are not designed for repayment ; they are designed to keep the borrower paying interest/fees every month to stay out of default ( to keep their credit score/history from being hurt ). Repayment means the borrower will have a fair/good chance at repaying the principal of the loan. Loan sharking is giving the borrower little to no chance of repayment while still keeping the borrower paying something to the shark. 

For full disclosure, I became extremely angry and cussed out the representative ; I am sorry for that but it does n't change the inadequacy of the disclosure of changes to my loan terms and capitalized interest. 

The phone call in XX/XX/2015 that I made that ultimately lead to me ( I only understand now ) to get off IBR and onto extended graduated payment plan was not enough information, enough disclosure to make this change. More clear written information about the consequences of these loan changes/choices must be implemented so borrowers do n't make the same decision I did that lead to more than {$12000.00} of interest being capitalized on my loan. THE EXACT COST - OVER {$12000.00} - OF MOVING FROM IBR TO EXTENDED GRADUATED SHOULD HAVE BEEN DISCLOSED TO ME DURING THAT PHONE CALL AND IT WAS N'T. 

What are my options now? I will never be able to repay my loans. I want someone to call me to discuss going into default on my loans. Nearly 4 years after gradudation my loan balance is over {$25000.00} more that it was when I graduated. I will never be able to repay this.
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. XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Bankruptcy XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

I sent multiple requests to delete this profile due to the age of the debt being more than7 years old. Due FRCA any debt over & years must be removed. A account Credit acceptance with account number XXXX opened 7 years ago. Even more this account is not reporting correct information for credit history .It is only reporting Collections and not when i paid on time. I am entitled to {$1000.00} per violation. Due to XXXX being sued for CFPB XX/XX/year>. I insist to conduct an investigation as required by FCRA law. Do not accept the finding of furnishers who do not provide results of their investigation which i will ask you to provide to me via mail. Delete or correct the disputed information within the timeline provided by law.
Product: Credit card or prepaid card

I was notified on XX/XX/XXXX that my account was past due. The balance was {$80.00} on the letter When I tried to call them to pay, they informed me that because the due date was XX/XX/XXXX they had charged another late fee and the total amount {$120.00}, without telling me or giving me time to make a remedy
Product: Debt collection

My car insurance was with XXXX XXXX XXXX and I paid my annual XXXX  in full. They added {$540.00} and said that my son who is a XXXX XXXX XXXXn college  and does not live here any longer. I live in XXXX  now not in XXXX, he goes to school in XXXX  and stays at the address in XXXX. They put him on my car insurance without any notification. They asked me to send in information about him and he is an adult. I told him I did not have the information that they asked for they would need to contact him, he does not have a car. They proceeded to report me to the collection agency. The underwriter who I spoke to was very discriminatory. She had a very demeaning tone she would not listen to what I was telling her. I sent in school ID, the information that I could get because Im in another state and because, he is an adult and did not give me any information that I needed and he doesnt have the things that they asked for because hes a full-time student. This day is now placed on my credit by CCS. I dont have a contract with CCS . I dont know who this company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Heres the dispute letter for this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX  Account Type : Auto Loan ( Installment ) Account Number : XXXX Balance Reported : {$10000.00} ( XXXX ), {$0.00} ( XXXX ), {$13000.00} ( Equifax XXXX Status : Repossession/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. This account remains inaccurately reported without proper verification.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory status remains reported, violating the requirement t
o cease communication during the dispute process unless proper verification is provided.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting.

The balance is reported differently across credit bureaus : {$10000.00} ( XXXX ), {$0.00} ( XXXX ), and {$13000.00} ( Equifax ). 
The payment status is listed as Repossession, yet XXXX shows {$0.00} owed, which conflicts with XXXX and Equifax. 
Comments indicate merchandise was taken back by credit grantor, yet balances remain on two bureaus, which is misleading and inaccurate. 4. Failure to Issue a Form 1099-C for Charged-Off Debt : According to IRS regulations, creditors must is
sue a Form 1099-C when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been issued for this account, raising questions about compliance with IRS reporting requirements. 
XXXX. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
XXXX  reporting of this account is indicative of the systemic issues highlighted in the lawsuit, further questioning the validity and accuracy of this accounts reporting. 

Sincerely, XXXX XXXX