23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX of XXXX, I applied to a COVID mortgage forbearance that was being offered by Wells Fargo to customers struggling during the pandemic. The words that was used online and over the phone was that my loan will be on an interest and penalty free forbearance. After the the forbearance I will continue making regular payments, and at worst my loan will continue longer than the original term ( 30years ). At the time, my loan balance was about {$210000.00}. I started making making 11 months after the forbearance. My current balance shows {$200000.00}. 

Now I am in the process refinancing with XXXX XXXX  and was approved. The XXXX mortgage financing team found that Wells Fargo put a lien on my home for the balance of {$21000.00}. I called Wells Fargo and they let me know that is what I owe because of the forbearance. Now that I am refinancing, I have to pay my normal balance of {$200000.00} plus an additional {$21000.00} because of the forbearance equalling over {$220000.00}. Note that I originally purchased my home at {$220000.00} in XXXX, that those numbers are preposterous. 

This is not at all what I agreed to. I expected a forbearance just like a student loan forbearance. I feel that Wells Fargo took advantage of the situation without sympathy. Adding an additional {$21000.00} to any customer 's mortgage goes against morality and should be against law. COVID relief of any form should be there to help people in need without strings attached. Loan sharking should be completely outside major institutions like Wells Fargo. Wells Fargo knowing I was under stress should have been sympathetic and should have explained in person what will happen to my loan if I agree to their forbearance. Furthermore, the {$21000.00} should not be paid by me, or that amount should be deducted from my loan. My total balance in my loan now should be only what I owe which is {$200000.00} only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to have my address corrected by sending several dispute letters to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but Experian refused to correct the error that's reporting inaccurately on my credit report. The address is associated with several accounts that don't belong to me. However, after multiple attempts to have this problem corrected my request went ignored. 

As a military veteran with XXXX years of service, my information has been stolen on several occasions. I have tried to correct this problem with Experian but regardless of my efforts, my complaint was still ignored. Attached to this complaint is a copy of my state I.D . that proves that I live in the state of Georgia. 

I never lived at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and I personally never applied for any accounts in my name using this address. As a former military veteran, I spent XXXX XXXX of my life living overseas. The address on my file is an error, and also doesn't belong to me. This is an FDCPA consumer violation and should not be tolerated. This type of behavior should never be accepted or tolerated by any professional agency.
Product: Payday loan, title loan, personal loan, or advance loan

I applied in store for a 12 month interest free payment plan with Comenity Capital Bank. I was told first payment was due XXXX XXXX. I set up autopay using my XXXX  XXXX XXXX checking account with payment scheduled of XXXX XXXX First payment was {$130.00} which was 3 times minimum due. Every month I faithfully paid {$130.00} not realizing I was being charged {$40.00} late fees every month. I wasnt aware Comenity wouldnt accept electronic payment from XXXX so a check had to be mailed by XXXX. 12 payments were mailed 4-14 days prior to due date. Comenity posted 1-3 days after due date. Comenity had me set up with e statements that required me to physically sign using a computer, you cant access using phone. They do not email a statement. I received two emails reminding me the next due date but nothing informing me of a late fee. I accrued over {$400.00} in penalties. Comenity wouldnt give me any consideration. I paid remaining balance over phone with debit card and closed account. I just received letter from Comenity saying I still owe {$89.00} and {$40.00} late fees will continue to accrue until I pay yet more. No phone or email information to even discuss with them. Be warned if thinking about using for IKEA or XXXX purchases.
Product: Checking or savings account

a year ago I filed a dispute with my bank current and after filing that dispute they declined it after I told them that it was unauthorized so I had to make an appeal which they ended up denying as well so now I made another appeal after a year of the first dispute and was hoping that you guys could help and I also didnt even have a XXXX XXXX  set up at that time
Product: Student loan

I applied for the XXXX plan. My lender was notified on XX/XX/XXXX. 

My lender ( ed financial ) did not transfer my account to SAVE. My lender kept me on my old plan and charged me {$1500.00} per month, on the old plan. My lender did this for 2 months after the XXXX plan request was provided to them. 

I called on XX/XX/XXXX to ask why the change had not taken place. The first associate said that the change can take up to 39 days. I informed the associate that 52 days had passed since the change being requested. The associate was not able to provide further information. 

I called again on XX/XX/XXXX and the next associate said I needed to pay a {$5.00} fee to have the request processed. I provided account information to process the request. I was never informed of this {$5.00} charge before this date. 

Ed Financial defrauded me of {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items were illegally ran on my credit. Not giving consent to do so by me.! XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company National Credit Systems been violating the law causing several damages to me difaming against me reporting an account with a different social security than the one that I have to my credit report. Please see the attached letter and documents.
Product: Credit reporting or other personal consumer reports

This collection company keeps harassing me over a debt I am NOT liable for. I have asked this company to provide me with the following : Original signed copy of the contract, showing date account opened, authorized payment agreement, and XXXX disclosure. 

They HAVE NOT provided me this information. 

15 USC 1692, NCB Management Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have a right to privacy 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, 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.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 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 than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Well I was trying to log into my accounts and current bank does sound kind of closed on me or they suspended my account so I didnt know the reason why so I had use their support line online and talk to them through there and asked them why my account was suspended they didnt give me a reason why my account was suspended. Its been quite some times like a month and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously stated I am a victim of identity theft
Product: Credit reporting

credit discrimination i recently disputed XXXX debts that should have been taken off of my account, they credit bureau ( trans union ) is failing to remove the bad debts. There was XXXX creditor removed but I only received XXXX points added to an already XXXX. My credit score should not be this low because all of my debts have fallen off or have been removed. transunion is discriminating against those who either complain about their credit reports or XXXX. My credit score with equifax went up XXXX points with XXXX debtor removed. 
not sure if transunion knows the XXXX background of those they follow but this should be looked into.
Product: Debt collection

MY IDENTITY WAS STOLEN FROM ME. PNC CARD WAS NEVER MINE, AND I HAD ALREADY ALERTED THE BANK.I ALSO WENT TO THE POLICE STATION TO OBTAIN A POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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, 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

XXXX did not receive original purchase agreement according to 15 usc 1692c
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX in XXXX XXXXXXXX XXXX.On XX/XX/ I got a ride through XXXX. Two passenger get in my car and robbed my phone they show XXXX XXXX XXXX and asked for a unlocked phone. 
Then they start shoping from my phone and transfer money from my phone through XXXX and XXXX XXXX. and open two cards using my Iden ties. they have used about XXXXXXXX XXXX dollers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and delete my records. Please delete the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4700.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, ONEMAIN FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
Product: Debt collection

This complaint is based on violations of the FDCPA and the FCRA by EOS CCA ( EOS ). 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by EOS regarding a phone bill. I only just discovered the account from my credit report. EOS never sent me a letter with a notice that I had a right to dispute the debt. 

___ On XX/XX/XXXX, I disputed the debt with EOS by certified mail. 

XXXX EOS did not respond to my letter and did not validate the debt. 

XXXX In my letter, I gave EOS notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ]. 

___ On XX/XX/XXXX, I disputed the unverified account with the credit bureaus. 

___ On XX/XX/XXXX and XX/XX/XXXX, the credit bureaus sent me the results of the re-investigations. EOS failed to cease collection of the debt because they falsely verified the unverified debt to the credit bureaus. 

___ Also according to federal court decisions, the failure of EOS to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to the credit bureaus. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

XXXX Based on the aforementioned facts, EOS violated the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

XXXX DAMAGES : I was denied credit due to the unverified collection account that EOS wrongfully verified to the credit bureaus. 

XXXX RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It may concern. 

While looking at my Credit Report. I have noticed the following accounts had Major Discrepancies in the Payment History section of the listing. Transunion is the only agency showing these Items Incorrect. Please take the time and fix these Items Correctly XXXX XXXX XXXX Shows a Balance of XXXX was Closed/Charged off in XXXX  but is still showing up Falsely!!! THIS IS A VIOLATION OF THE FCRA 15U.S.C.1681i ) It is my understanding that all Items should be correct on my report. Account Status should reflect PAID and Payment Status CURRENTDate Opened XXXX Last Payment XXXX. 
This account needs to be removed. 

XXXX XXXX XXXX shows a Balance of {XXXX? Should have a XXXX XXXX was Closed/Charged off XXXX  But is still showing up Falsely? ( SHOULD NOT SHOW LATE OR A BALANCE THIS IS A VIOLATION OF THE FCRA 15U.S.C.1681i ) It is my understanding that all Items should be correct on my report. Account status should reflect PAID AND Payment status CURRENT. Date opened XXXX It was last active XXXX. 
This account needs to be removed. 

These ( CHARGE OFF ) ARE REPORTING Payment History each Month which should NOT since the accounts have been either closed/charged off?? This is falsely Manipulating the Statute of Limitations which is a Major FCRA Violation!!

Because of this apparent neglect in assuring everything in my credit report is accurate, consistent, and up to date Please DELETE these Items Immediately!! 

It is my understanding that under the FCRA 15 U.S.C 1681 ( i ) ( a ) every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely Deleted. 

By the Provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2Compliance regulations, I demand that these above-mentioned items be Actually Investigated and permanently DELETED from my Report. 
I have reached out to XXXX and XXXX and they have corrected my report. Due to Not being able to Verify the above accounts. So, I know for a FACT that you can not accurately do so? 

YOU ARE THE ONLY AGENCY THAT HAS IGNORED ALL MY PREVIOUS REQUESTS I ask that someone please fix my report, so All are reporting the same. I request that All of the above Items be Deleted off my Report... 


Thank you for your help in correcting these Items.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL has the wrong dates on my credit report causing me a huge issue costing me alot of money date of last payment should be XX/XX/XXXX they have on my credit report the date they bought the account as XX/XX/XXXX which is against the law. 
also need account info everthing is wrong on the credit report can not do any research using this wrong information on my credit report which is also against the law
Product: Checking or savings account

XXXX XXXX took over {$4000.00} from my account and Citizens bank denied my claim
Product: Credit card or prepaid card

On XX/XX/2022 I purchased two {$200.00} dollar gift cards for a total of {$400.00} from XXXX. When I opened the Gift cards they had already been activated and had a {$0.00} balance. The funds were gone from both cards before opening them. I spoke with XXXX and they informed me there wasn't anything they could do and to contact the number on the back of the card. After opening the first card finding out the card had been active and the funds were gone, I decided I would film opening the second card and calling to check the balance. Once again, the card was activated and the balance was {$0.00}. I called Incomm Payments and explained the situation. I even explained I had Video of opening the second Gift Card and asked if I could send the Video or a link to the video so they could have the evidence. They were not interested in seeing the video. They informed me they would need to complete an investigation in order to process a refund. That could take up to 90 days. I filed a dispute for both cards on XX/XX/2022, as instructed with Incomm Payments ( Dispute case number XXXX ). I waited the requested 90 days, with follow up calls getting updates. I was assured this was just XXXX and I would be getting my funds reimbursed. On XX/XX/2022, I received any email with a letter attached notifying me that they were denying my claim and the case was closed. I tried calling but they said the case was closed and would not look into it any further. I reminded them I had video to prove the cards were activated and spent. They had no interest in the Video and insisted the case was closed. 

I would like to file a complaint against Incomm Payments and have the case reopened and my funds returned. I can provide the Video footage of opening Second Gift card and seeing the balance gone as evidence. I do also feel its odd the cards had all been spent at XXXX. The same place I purchased them. I do not feel an actual investigation was done. If so, I know they would have come to the conclusion the cards had been compromised. 


I Did have a case number with target but, agian they said there wasn't anything they could do. The XXXX number with XXXX is XXXX. 

Incomm Payments Case Number : XXXX Card Numbers Card XXXX : XXXX XXXX XXXX XXXX Amount {$200.00} Card XXXX : XXXX XXXX XXXX XXXX Amount {$200.00} Totalling {$400.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in XXXX 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 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: Debt collection

On  XXXX   XXXX ,   XXXX  , Midwest Recovery System s, LLC repor ted to  XXXX  and   XXXX   that  XXXX  accounts ( {$1800.00} and {$350.00} ) were assigned to them for collection. I do not know what these debts are for and the  XXXX  accounts they claim are " open '' do not have an account number. They appear to be for payday loans, which I have NEVER taken out. I do not owe this debt either to the original creditor or Midwest Recovery Systems.  Midwest Recovery never c ontacted me either via telephone or mail prior to reporting these unidentified accounts to the credit bureaus. I am demanding that they remove these accounts from my credit history as they will have a negative impact on my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX Transunion and XXXX unlawfully took adverse action against me by reporting unfair inaccurate reporting. I disputed the account for inaccurate reporting and TILA violations and XXXX XXXX TOOK IT UPON THEMSELVES TO ADD MORE NEGATIVE REMARKS TO MY REPORT WITHOUT MY CONSENT NOR WRITTEN PERMISSION. THE ACCOUNT WAS DISPUTED ON XX/XX/2022. XXXX XXXX XXXX XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.