23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello : My daugther Died on XX/XX/XXXX during the covid thing. I was eventually forced to catch up all her house payments XX/XX/XXXX or they ( Wells Fargo ) was going to start foreclouser on her house. I sold her house in XXXX XXXX. I called Wells Fargo and asked if there was any money to me. On XX/XX/XXXX they told no money was owed to me without any research being done. When i mentioned the CFPB name they were very short with any question I asked about a refund of any kind. Can anybody help on getting a complete answer on if I am entitled to any refund home payments and payoff of her home. thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting incorrect payment history to all three credit bureaus. My loan and been in deferment and forbearance all of 2020 until now, but the mortgage company is reporting me being 60+ days late to all three bureaus. I have called them in and I have sent them a letter in XX/XX/2020 asking them to correct my payment history. I can not be late if there haven't been any payments due. 

They are violating the rules of the FCRA, the CARES ACT, and the Fair billing act by reporting incorrect payment history to Transunion, XXXX, and XXXX. Each bureau is reporting different payment information because XXXX  refuses to fix their reporting. 

I have included my letter to them requesting that they correct the payment history, the forbearance letter from them, and a copy of my credit report showing the incorrect payment history.
Product: Credit reporting or other personal consumer reports

This is a simple problem, but TransUnion is not BBB accredited so I'm coming here. I'm unable to log in with an existing account. It keeps taking me to another screen to confirm personal information and reset my password and takes me in a loop. I try to log in again.. and again.. and again. I've tried to call in, and again it asked me personal information by someone who sounds like a foreigner. I don't know who I'm talking to and I don't like giving my personal information over the phone to unknown individuals. No problems logging into XXXX or XXXX with a standard two-factor confirmation .... Why is TransUnion so XXXX hard.. help!
Product: Checking or savings account

This issue is for a business checking account I have with Wells Fargo. On XX/XX/2024 I noticed a fraudulent transaction occurred dated XX/XX/2024. I immediately contacted Wells Fargo to inform them that I did not authorize the two ACH transactions to XXXX  XXXX totaling {$1000.00}. They denied ability to reverse the transaction because too much time had passed. Does EFTA Regulation E for business accounts require notification within two days of the transaction or two days of awareness of the transaction? My copy of Regulation E is 72 pages. Where is the rule stated? Wells Fargo does not provide the ability to alert when an ACH payment occurs or the ability to " stop payment '' / prevent any future transactions of such type regardless of the initiator. I feel my business account is very exposed to fraud with very little protection offered. If the CFPB does not deal with business checking accounts please inform me where to direct my concerns. Why do consumers get 60 days and business accounts get 2 days? Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} ) The above accounts do not belong to me. I request that you remove these accounts from my credit report.
Product: Debt collection

I have received numerous complaints from friends and family members that this company is contacting them several times a month. I do n't know how they have my friends and family members phone numbers, but it is uncalled for. They are feeling threatened and harassed. 
I researched the company and it states they are a collection agency for XXXX XXXX. I do not have a student loan with XXXX XXXX. Furthermore, my student loan is auto-drafted, so I know it is current and not in default.
Product: Bank account or service

THESE CORRUPT BEINGS STOLE {$720.00} FROM MY SMALL BUSINESS CHECKING ACCOUNT ON XXXX XXXX, 2016 BY SUPERIMPOSING XXXX CHECK MADE OUT TO XXXX FOR {$160.00} WHICH CLEARED CORRECTLY ON XXXX XXXX, THE SAME DATE AS THE THEFT! ONE CAN CLEARLY SEE WHEN I WENT ON LINE AND VIEW THE CHECK THAT A BIGGER CHECK FROM XXXX XXXX XXXX IS UNDER MY CHECK BUT RATHER THAN THE AMOUNT BLOCKED BY MY CHECK, MY CHECK WAS MOVED AND MADE SMALLER SO THAT THE {$720.00} AMOUNT ON THE XXXX CHECK WAS USED TO DEBIT THOSE FUNDS OUT OF MY CHECKING ACCOUNTS WHEN THEY SHOULD HAVE REALIZED THAT THIS IS A DIFFRENT CHECK FROM A DIFFERENT BANK AND HAD NO BUSINESS TAKING THAT MONEY OUT OF MY ACCOUNT! NOW THEY SAY THEY HAVE TO RESEARCH IT AND THAT IT WOULD TAKE 3 BUSINESS DAYS TO RETURN THIS MONEY! WHY! IT DID NOT TAKE 3 BUSINESS DAYS TO STEAL IT AND THE MISTAKE IS CLEARLY THESE THIEVES! THEY SHOULD BE ARRESTED AND AM SERIOUSLY THINKING OF FILING AN AFFADAVIS ALONG WITH THIS COMPLAINT!
Product: Credit card

I have an American Express XXXX XXXX charge card with a credit limit of {$7400.00}, which was set after a financial review. However, despite having an approved limit, I am unable to use my full available credit, and my spending power remains at {$0.00} well before reaching the limit. 

I contacted American Express customer service, and they confirmed that there are no holds or restrictions on my account. Despite this, my card continues to decline for purchases, preventing me from using it as intended. I have made multiple attempts to resolve this issue with AMEX, but I have not received a clear explanation or resolution. 

American Express actions misrepresent my available credit and mislead me about my ability to use the card, which significantly disrupts my business and financial planning. If I have been given a {$7400.00} limit, I should be able to access that amount without arbitrary restrictions. 

I believe AMEX is engaging in unfair and deceptive financial practices, restricting my spending despite setting an approved limit, which is a breach of transparency and fair lending practices. 

I am requesting CFPB intervention to ensure AMEX restores my full spending power as agreed upon in my financial review.
Product: Consumer Loan

Entered into a car title loan with Wilshire consumer credit. At one point I knew I would fall behind on payments before the payment was late I contacted Wilshire Consumer to ask for a payment arrangement or deferment. The said XXXX no this is a car tile loan and we can repo your car after XXXX day late. I called back a couple of days later explained I could not make the payment and they said that I should have called before I was late to make arrangements. I told them I did. The employee was so rude, threatened to repossess the car, called me ignorant and was actually yelling and talking over me. Days later they repossessed my car. They made me pay about {$1000.00} to get it back and I got it back. Before I made the payments to get the car back I asked them if they would be able to defer my next payment so I could catch up. They agreed and send me an extension agreement stating that my next payment was due XXXX XXXX. The contract was signed by myself and by Wilshire. When I called them to confirm the deferment they said that they messed up on the paperwork and that my actual payment is due XXXX XXXX intead of XXXX. I told them that that 's not what the agreement says. Now they are calling harassing me, threatening to repo my car again and they will never let me speak to a supervisor. They call me a loser, Scream and yell, hang up and lie about the supervisors. The few times I have spoken to a supervisor they contradict what the employees say. I have paid them over {$3000.00} and I only borrowed {$2500.00}. They are constantly calling threatening me and say that my extension was not approved. I have documentation showing the agreement.
Product: Student loan

**Please note, this complaint was originally submitted under # XXXX through the US mail. Despite sending it return receipt requested and receiving a signature, when I tried to follow up, there was no record of my claim I consolidated all loans in XX/XX/XXXX with a company called suntech. My original promissory note was for {$37000.00}. Under federal statute ( and what I was told my the loan agent ) this was a 20 year consolidation. I never received ANY disclosure to alter the terms of the original promissory note. 
This loan was sold multiple times. I continued to pay to each and every company as agreed, even paying over the amount for multiple months in an attempt to pay off earlier. Each time, I specified the extra amount was to be applied to principal. 
In XX/XX/XXXX the loan was acquired by XXXX XXXX. 
1 ) they claim the prinicipal amount at the time of acquisition was {$43000.00}. After 10 years of payments, they claim my prinicipal increased from the original promissory note. Despite multiple attempts to show them it is just not possible, they absolutely refuse to acknowledge this. I have sent copies of promissory notes and pages of cancelled checks to prove what i have paid. 
2 ) They claim the original consolidation was {$43000.00}, yet they are unable to provide me with any disclosure that would have changed the loan from the binding contract. 
3 ) They refuse to give me credit for all canceled checks provided to them, insisting they are only responsible for giving me credit for payments made to them. This in essence negates 10 years of payments and some {$40000.00}. 
4 ) They have missapplied multiple payments, often with XXXX going to prinicipal and multiple late fees within the same month. They have also charged late fees when I have provided proof that the check has cleared my bank well within the grace period. 
5 ) I have tried every avenue, yet they hold fast to their stand. Every time anyone questions them, they give the same pat answer that they have reviewed everything and they are in the right. They REFUSE to accept any proof of payment made before they acquired the loan and REFUSE to acknowledge that it is just impossible for the principal of a loan to increase after 10 years of payments. 
They have even gone so far as to request that i no longer " bother '' them with my concerns, they are done explaining themselves. 
I maintain that the original amount was {$37000.00}, a 20 year consolidation loan and if all payments had been applied correctly ( as shown by attached amortization by a forensic accountant ) this loan is not only paid in full, I have overpaid by some {$3500.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I noticed that I had fraudulent accounts on my report. I am asking that you please remove the accounts above from my report, they are hurting my ability to obtain credit. I did not recognize them, I didn't authorize them, and they are being reported by a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY EQUIFAX AND XXXX. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}
Product: Credit reporting or other personal consumer reports

I want to file this complaint with CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as date of late payment, date of last activity, date opened, date reported, payment history, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that 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/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is not mine
Product: Credit reporting or other personal consumer reports

I reviewed my credit report earlier this year and found fraudulent accounts opened under my name that I had no knowledge of. I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives and requested to make disputes on the phone. After an investigation, they still do nothing to correct the mistakes. I even asked for validation of the debt although they claim to have verified the debt is mine but have never sent me a consumer contract as proof. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is required to provide the original consumer contract! The following accounts were not opened by me and need to be corrected and deleted : XXXX XXXX - XXXX XXXX  XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX, XXXX {$27000.00} XXXX XXXX XXXX, XXXX {$7500.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I have requested several time for Portfolio Recovery Associates, LLC to provide me with validation of debt for my signature in regards to accounts that they said was sold to them. XXXX XXXX {$470.00}, XXXX XXXX XXXX {$360.00} and XXXX XXXX {$510.00} I have contacted them several times to validate the debt with accuracy of the account. Account rep on XX/XX/XXXX, XXXX XXXX and XXXX XXXX told me that it does not matter of the debt to be verified and they have all the information they need. I have beeing trying to validate this debt since XX/XX/XXXX, on XX/XX/XXXX I request documents to validate and it is XXXX XXXX and I still do not have the required documents. XXXX told me she is aware it is pass 30 days for validation and said this conversation is not going anywhere and asked if there is anything else I wanted. That was very bad this to say. 

They are also sending letter to a person address that I know and I do not live there. I have asked them several times to please stop sending mail to the wrong address, the person says they feels violated. 

I asked them to please validate this bogus account or delete but was told they will continue to call and send out information without validation of anything.
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. XXXXValidation of Debt XXXX XXXX Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. XXXXStatute of Limitations XXXX XXXX Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. XXXXReporting Dates XXXX XXXX Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting

dates may be grounds for removal. I am exercising my rights u
nder the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken.

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution
Product: Student loan

I can't log in to navient. 
I enter all of my information to no avail. 
I've even used my SSN and birthdate as the website recommends only to get " we have no records of you '' Ive attempted to call a few times. I'm very late on these payments and they just keep offering a forbearance. 

I'm at my wits end.
Product: Prepaid card

I had a claim in my favor n the letter said I was to get the credit of XXXX XXXX never credited the account. They told me I had received the credit on the past. 
Which was I had a credit of XXXX but shortly after they debited out of the account $ XXXX, the amount of the claim that was just resolved. So they owe me the credits. The customer service representative even said she sees what I saying they did give me the credit bit then took XXXX back so that would mean they would have to credit the XXXX back. Nothing has been credited after se real escalations
Product: Credit card or prepaid card

Signed up for XXXX XXXX card through American Express. Was excited about getting some skymiles to purchase airline tickets so I paid my taxes to IRS with XXXX card and that really should have been the end of the story. Reached out Amex through their app via chat and requested that my limit be increased. I requested my limit be increased to a little over $ XXXX. I explained to Amex that I have really good XXXX XXXX and $ XXXX in my checking account so I didn't understand why my limit was so low. They refused to help me increase my limit and provided no reasons on why my limit couldn't be increased. Spoke with manager named XXXX XXXX employee id # XXXX  ) and he refused to provide any information as to why Amex was unwilling to help me. I thought they would want me to use this card, but why are they making this so difficult. Secondly, why won't they tell me why they can't raise my limit, isn't that their responsibility as a credit card company? Lastly, because I'm not able to up my limit, they will decline payment to IRS and I will incur late fee because of their unwillingness to help their own customer. I wish I never would have even signed up for their card. They make it seem like it will be easy to wrack up XXXX, but then refuse to give me answers and cause me to have late fee with IRS. Someone needs to do something about scam artists like these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, XXXX numerous times in regards to my personal credit report concerning inaccurate reporting. Unauthorized inquires, I have a fraud alert on my credit report though Transunion still allow my credit to be checked, also wrong addresses, phone numbers, and place of employment.
Product: Credit reporting or other personal consumer reports

The information Being reported on my consumer credit report is inaccurate