23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had an extended loan with XXXX, when I first started my payments I put in multiple instructions that my principal be paid on first and not interest, I 've noticed for white sometime I ask for statements on balanced, but in XX/XX/2010 I owed a little over {$10000.00} and I still owe the same amount, and paying XXXX $ a month for so long, I should n't owe that much, and they wo n't give me any statements, they tell me go online it 's all online, there 's not one spot online that shows my beginning Balance I started with after quitting school to now showing how much I 've paid on my loan, I 've been making payments for a long time, but my Balance owed is the same as 7 years ago
Product: Checking or savings account

Wells Fargo closed my non-profit 501 ( c ) business checking and savings accounts without notice to me, and then withheld sending approximately {$8000.00} in deposits in these accounts needed for auto-payment contracts. Officials blamed the federal govt. for the closure, stating " The Patriot Act '' required business accounts to have residential addresses. I had a business office service provider address instead, BUT four other accounts with the same bank bearing my residential address. Any XXXX and competent customer service agent should have simply contacted me for the residential address, or simply noted the same on the other active accounts. That was not done, and instead the company simply closed the accounts and falsely claimed they were sending me two checks to pay my converted deposits. They lied. I spent two hours waiting to see an officer in my branch bank to no avail. They were " too busy '' to see me, and needed me to go online to " make an appointment. '' Several calls to the company were also fruitless and distressing. I was informed that I needed to wait about two weeks before I could even plead to have the company send out " replacement checks. '' My damaged company is a non-profit registered business that publishes consumer health and safety information, that has administered these two accounts for many years without any problems. This apparently scheme to freeze, convert, and withhold our money caused days of wasted time and inconvenience rearranging auto-payments to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is sharing my public information to several reporting agencies. I have dispute it with the agencies and they have not removed it as of now. I also mailed in a certified letter to LexisNexis requesting how did LexisNexis verify my bankruptcy? Where did LexisNexis get the information from?
Product: Credit reporting

XXXXbank - 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 These inquiries were removed from my credit report and added back without written notification which is in violation of FCRA Section 611. After speaking to a Transunion representative who admitted to a glitch in their system but claims my report was not effected, they refused to remove ALL inquiries that were unlawfully added back to my report. This caused a dramatic change in my credit score and I am demanding that these inquiries be DELETED from my credit report.
Product: Credit reporting or other personal consumer reports

I was married in 2017 and my new name and requests for my personal information has been ignored several times.
Product: Credit card or prepaid card

In XX/XX/XXXX, my wife became XXXX and we fell behind on some payments, due to delays in the processing of her Worker 's Compensation case. I entered into an agreement with Chase Credit Cards XXXX XXXX XXXX  XXXX, DE XXXX. My account number was # XXXX. My SSN # XXXX. After 2+ years of payments, Chase unilaterally ceased sending payment reminders. This had a disastrous effect. In XX/XX/XXXX, I XXXX overseas to XXXX. Without the statements being sent, my wife did not know who to pay, where to pay, how much to pay. Furthermore, It was not her account, and despite her having a PoA, they refused to provide this information to me. They are now FALSELY reporting to the Credit Reporting Agencies that I was late, because of their own negligence lack of help and lack of assistance.
Product: Checking or savings account

I noticed that my balance on my account had gone into negative territory and contacted Wells Fargo to figure out why. They indicated that I was not eligible for the account that I currently had which was setup approximately XXXX  years prior and had slowly been drawn down over time. In the past year, I have been in contact with XXXX branches due to multiple instances of fraud on my account. I have spoken to at least XXXX branch managers and had at least XXXX bankers review my accounts. NOT XXXX of these bankers ever mentioned me being ineligible for my account nor told me about the fees. I reviewed all email communications from Wells and never once did they inform me that my funds had gone too low and I would be charged for keeping an account I had for XXXX  years, with on-going fraud. Additionally I was not ever marketed a product that may more appropriately fit my needs. I asked the bank to refund the fees and market me an appropriate product. They offered me {$50.00}, which would cover XXXX of the XXXX fee payments at the time. I declined their offer and informed them of the various legal violations they were committing. I am planning to sue.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding my recent attempts to obtain my credit report from LexisNexis. I have submitted online requests for my credit report on XXXX separate occasions, and regrettably, I have not received the requested report. 

Recently, I received a letter from LexisNexis, stating that they were unable to retrieve my credit report due to a purported lack of information on my part and an inability to locate my details. I find this response both perplexing and troubling, as I have provided all necessary information required to establish an account with LexisNexis and even placed a freeze on my account due to concerns about potential fraud. 

It is essential to note that, in order to initiate a freeze or maintain an account with LexisNexis, one must furnish comprehensive personal information. Given this requirement, the claim of a lack of information on my part is not only contradictory but also raises serious concerns about the security and accuracy of the information held by LexisNexis. 

Furthermore, the recent letter from LexisNexis raises questions about how my address was obtained for correspondence purposes. If LexisNexis lacked the necessary information to provide my credit report, it is perplexing how they possess the details required to send me correspondence. 

This situation appears to be a clear violation of my rights as a consumer to obtain my credit report from LexisNexis, especially considering the information provided and the freeze placed on my account. As a consumer, I am entitled to timely and accurate access to my credit information, and LexisNexis ' failure to fulfill this obligation is deeply concerning. 

Please be advised that I am aware of the violation codes associated with credit reporting agencies failing to provide a consumer 's credit report upon request. According to the Fair Credit Reporting Act ( FCRA ), violation codes such as 611, 612, and 613 may apply in instances where the consumer 's request is unjustifiably denied or delayed. 

I anticipate your prompt attention to this matter and a swift resolution to ensure my rights as a consumer are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed because this has been another attempt in asking your company to please remove these negative accounts. XXXX of XXXX, I sent a letter in hopes of having these accounts removed from my account. Nothing has been done or been paid attention to. Please re-investigate these accounts and check whether or not they are accurately reporting from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment on a collection in the amount of {$540.00} on XX/XX/2021 and disputed with all 3 credit bureaus. XXXX removed the debt, however XXXX and XXXX updated the comments stated : I still owe a balance of {$26.00}. World Finance the creditor reported a balance of {$450.00}. I have disputed the incorrect of {$26.00} which I do not owe. I have satisfied the balance of {$450.00} which in the previous months were reported due. Also, World Finance updated the loan type to secured which is incorrect. The loan was unsecured and I did not provide any collateral when opening the loan.
Product: Mortgage

Talked to their loss mitigation department I was offered a verbal loan modification and then 30 days later they said no to the modification and are now going to auction off my house I have talked to at least 8 different people at Shellpoint mortgage services and appear to be getting the run around I have been making payments all along but now they want to increase my payment amount which I can not meet They even sent back my last house payment twice now
Product: Payday loan, title loan, or personal loan

I refinanced my car loan with Capital One Auto Finance last year. During that time they failed to transfer the lien from the title in their name from the previous lender. I have since paid off the loan in full and received a lien release from Capital One, but when I tried to apply for a clean title I was denied because Capital One has failed to move the lien in their name and the DMV still lists XXXX XXXX XXXX XXXX as the lien holder. I since have been trying to work with Capital One, but they have been giving me the run around, and I have been calling several times a week for about a month now trying to resolve the issue.
Product: Debt collection

Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!
Product: Debt collection

In accordance with the Fair Credit Reporting Act, this creditor has violated my right. I submitted my Written notice of the rights to enforce my right to rescission of my contract per 15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) ( b ). I have also reached out for several violations. As follows : Under 15 USC 1681 section 602 I have the right to privacy. Section 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 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. Per use of my social security card, which under the eyes of XXXX law dictionary, is in fact a credit card. 

15 U.S. Code 1692a - Definitions ( 5 ) and ( 6 a-f ) 15 U.S. Code 1692d - Harassment or abuse ( 3 ) and ( 5 ) Including threats to remove the property from my residence violating my rights and the fines charged when it was removed from the property and paid before auction. 
15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) ( b ) HJR-192 which states that debts can only be discharged and not collected, as well as s 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ). 
( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
15 U.S. Code 1692e - False or misleading representations ( 2b ) and ( 5 ) and ( 6 ) and ( 10 )
Product: Debt collection

I sent two validation letters to Portfolio Recovery and they ignored my requests for validation.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Mortgage

USAA Federal Savings Bank fails to mail home equity loan bills in a timely manner, leaving customers with insufficient time to make payment. As printed, the bills provide 25 days before they are past due but the company consistently waits 6 days before postmarking the bills so consumers have just 25 days - 6 days delay - 3 days mailing time = 16 days from receipt of bill to have payment processed by USAA. Then the company shortens the time even farther, because unlike the rest of the USAA organization, USAA Federal Savings Bank refuses to join the online bill pay systems that most customers use today, so any customer who pays via mobile or online banking faces an additional 8 day wait for payments to clear ( instead of the 1 day wait customers expect ), leaving consumers with just 8 days to pay their bill ( or 13 days for consumers who physically mail checks ). I have spoken with multiple representatives of the company about this issue without success and am filing this complaint because those representatives have made it clear they have no internal complaints handling process through which customers can pursue resolution to problems like this without going through external channels like the Consumer Financial Protection Bureau.
Product: Credit card

For several weeks, I have been trying to purchase XXXX with my XXXX issued by US Direct Express. US Direct Express is blaming XXXX for creating the problem and XXXX keeps referring me back to US Direct Express for a problem created by XXXX? All my other purchases process without incident, except for XXXX purchases?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt of XXXX $ For Gas and electric when I did not live at the reported address. I sent them a copy of my lease and the home inwhich I lived in when this reported. they wont remove from Credit Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
DEPTEDXXXX 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

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with t
his matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unbelievable that Equifax waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. Equifax 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions Equifax offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I asked XXXX investments to deposit my funds in my checking account at JP Morgan Chase Bank. I submitted the incorrect account number off by two digits and my money was deposited in a strangers Chase account. I notified Chase of this error they implied it was XXXX  mistake to contact them. Upon contacting XXXX whose bank is XXXX XXXX they said it was Chase mistake. 
Bottom line I still dont have my {$4200.00}. 
I even went so far as a three-way call between XXXX, Chase & I with no results of getting my money. Each company wanting to shift the blame. 
XXXX  case number is XXXX. 
Chase case number is XXXX. 
I continually reached out to XXXX and Chase throughout XXXX. 
I have not corresponded with either company since XX/XX/. The stress and frustration was too much. 
I would greatly appreciate your help in this matter, this is a substantial amount of money for me, and would help out since Im retired now. XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX a national association as trustee. 
This matter was published as occ # XXXX XXXX XXXX XXXX XXXX, mi XXXX XXXX XXXX XXXX and realtor XXXX XXXX came to me in XX/XX/XXXX demanding that I move out because he had bought the property from a FORECLOSURE bank sale from XXXX XXXX XXXX  for XXXX and produced a covenant deed. I moved out. In court proceedings he currently are denying all above after raising his right hand to tell the truth. 

On XX/XX/XXXX he presented closing papers of a sale from the above XXXX XXXX department. The documents are stamped by XXXX district court XX/XX/XXXX @ XXXX it is a, As proof he bought the house. 

PROPERTY TRANSFER AFFIDAVIT PROMPT 5.  PURCHASE XXXX PROMPT 7 SELLER. XXXX XXXX XXXX XXXX. XXXX XXXX AS TRUSTEE. 

PROMPT 8. XXXX XXXX AND XXXX XXXX RECEIVED BY XXXX XXXX XXXX XX/XX/XXXX. 

OWNERS SIGNATURE UNCLEAR DATED XX/XX/XXXX. 

XXXX XXXX must provide me a clear answer. 

What date did XXXX XXXX XXXX XXXX XXXX XXXX as trustee make this purchased closing date final, and closed the deal with the XXXX family?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX  XXXX Balance : {$1500.00} Date Opened : XX/XX/2019 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4600.00} Date Opened : XX/XX/2019 XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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