23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I applied for an auto loan on XX/XX/2021. I spoke with the loan originator about potential interest rates. She told me the lowest possible rate for 60 month and 72 month terms. I knew I would likely be in the second credit tier but she could not tell me what my rate would likely be. I did not decide on a term at that time as a wanted to know the rate first. She told me I should get a decision on the application within 24 hours. I was first contacted four days later and was asked to provide a recent paystub. I uploaded my paystub that day. I received an email from the underwriter three days later asking for a second paystub, as they require two paystubs. Their first request did not mention two paystubs. I uploaded my second paystub. I called two days later to check on the status of the application. The employee told me they needed a second paystub. I then uploaded my second paystub again. On the thirteenth day after submitting my application, I received an email saying my application was approved, the funds were disbursed and that I will receive a loan packet in the mail. I was never asked what term I wanted and never told the interest rate nor asked if I wanted to proceed with the loan before receiving the email saying the loan was disbursed. I then called PenFed as I was curious what my interest rate and term was. The PenFed employee was nice but said she didnt have access to the interest rate information. I then asked to speak to a supervisor, hoping they may have access to the underwriter credit tier margins/rates. The employee returned to the phone after a hold and said both supervisors she spoke with said I would have to reapply to find out my interest rate at 60 months. In summation, this whole process has been appalling. A consumer should not have to jump through hoops to find out if a loan is approved. I should have been told my application was pre-approved pending income verification, etc. I should have also been asked what term I wanted and If I wanted to proceed with the loan before it was booked. If PenFed needs to review two paystubs to verify income, they should say that before they receive one paystub. PenFed should not advertise a fast and easy auto loan application process when it can take 13 days to get an application approved. When credit unions get greedy and expand their membership eligibility to anyone just to expedite their growth, it can lead to poor service like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not  relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

I HAD DISCOVER CREDIT CARD I MISSED FEW PAYMENTS AND THEY CLOSED THE ACOOUNT BUT AFTER THAT I HAVE BEEN PAYING THEM EVERY MONTH FOR OVER A YEAR. MY FINANCIAL POSITION GOT LITTLE BAD AT START OF THIS YEAR SO I COULD NOT PAY THEM IN XXXX 2016 .SINCE THEN THEY BEEN CALLING ME A LOT. SOMEDAYS THEY WILL CALL LIKE 4-5 TIMES A DAY .I HAVE BEEN DEPRESSED SO SOMETIMES I DONT FEEL LIKE ANSWERING PHONE BUT STILL THEY WILL BE CALLING AGAIN N AGAIN. LAST WEEK I CALLED THEM AND TOLD THEM THAT I AM NOT ABLE TO PAY NOW BUT WHEN I AM LITTLE BETTER ON MY MONEY I WILL CALL THEM AND PAY WHATEVER I CAN. I SPECIFICALLY TOLD THEM NOT TO CALL ME BUT THEY ARE STILL CALLING ME. WHAT SHOULD I DO?. ITS FRUSTRATING AND DEPRESSING ABOUT ALL THESE CALLS WHEN I AM ALREADY HAVING HARD TIME. CAN PLEASE GUIDE ME WHAT SHOULD I DO?. THANKS A LOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Complaint Details - No homeowner wants to pay more than {$52000.00} for a bank-signed copy of his Mortgage Loan Agreement. 

What happened? On XX/XX/2024, I received a Remediation Letter from Wells Fargo Bank ( WFB ) acknowledging Wells Fargo " bank errors '' in the approval and finalization of my loan modification. This letter explicitly stated that the Bank 's errors caused financial harm to me. As partial redress, WFB enclosed a cashier 's check for {$4800.00}, calculated solely by WFB, to compensate for miscalculated interest, principal balance, fees, inconvenience, and the time funds were unavailable.

However, the Remediation Letter fails to fully resolve the financial damages caused by WFB, which now exceeds {$52000.00} and ongoing at the rate of {$1200.00} per month.

The Remediation Letter is vague and incomplete, as it does not : - Identify the name or the specific terms of the Loan Modification agreement.

- Specify the time frame or years during which the " bank errors '' and financial miscalculations occurred.

- Address or quantify the full extent of the financial harm I suffered in excess of {$52000.00}.

The letter states that cashing the check does not waive my right to pursue additional legal remedies or claims. This acknowledgment underscores that the {$4800.00} payment is knowingly insufficient to cover the past, present, or future financial damages caused by WFBs misconduct.

What is the issue? WFB has failed to adequately remediate the full financial harm caused by their acknowledged bank errors. The lack of transparency, specificity, and full compensation in the Remediation Letter has left me without clarity regarding the extent of WFB 's liability. The incomplete remediation effort also fails to address my legal right to pursue clarification of the contractual terms and financial obligations under the unnamed Loan Modification. The Remediation Letter reads like a scam, trick, or con that will rob me of my rights if I cash the check.

Additionally, despite WFB 's statement in the Remediation Letter that " mediation '' is available for unresolved matters, this process has not been proactively offered to me in a way that facilitates a timely or fair resolution. No homeowner wants to pay more than {$52000.00} for a Copy of his bank-signed mortgage loan agreement.

Wells Fargo 's Bank errors as stated in the XX/XX/2024 Remediation Letter is solely liable for causing financial harm and actual damages that the bank should fully redress.
Product: Credit reporting or other personal consumer reports

Affirm will not update the balance after its been paid and their accounts reflect that. First of all if it's a charge off and you send it to a collection company it should be updated to {$0.00} and paid because you don't own it nomore. Second when somebody decides to pay it update the balance ASAP to {$0.00} and paid. So if Affirm can't update all 4 accounts to paid with a {$0.00} balance they need to delete it because it's inaccurate reporting.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report. 
Please see attached ; Being reported by XXXX, XXXX, EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and needs to be removed : XXXXXXXX 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 recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of current address that you require. The only address that should be listed is shown in the image below that's reported from XXXX. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by NETCREDIT ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these authorize these accounts, *XXXX XXXX XXXX XXXX XXXXXXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX in XXXX Location:XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Phone : XXXX XXXX XXXXXXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX & XXXX Location : XXXX XXXX XXXX XXXX XXXX il XXXX 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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to. privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 than records of convictions of crimes which antedates the report by more than 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 have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have deleted them but Experian is refusing too. 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.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Product: Debt collection

SCA Collections placed a collection back on my report on or around XXXX of this year.They originally placed it on my report on XXXX 2013. I requested validation in 2013 and they never provided it to the CRAs so it was removed. They have since reinsurted it back on my report. I requested validation through the cra again and all the did was verify it but still wont show me proof the debt is mine and that they have the right to collect on it under my rights according to the fcra. They are also reporting this debt as a factoring account with payment history which they are not. I also filed a XXXX complaint trying to get this resolved and there response was we sent him a intemized bill. This is rediculous that a collection company can place a collection on someones report, get it removed by the cra and then reinsert it again all without showing proof that the debt is that persons and then on top of that, report inaccurate data and inaccurrate reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users vulnerable to scams.
Product: Mortgage

On XXXX XX/XX/2021, I applied for and locked a rate of 2.99 %, on a refinance mortgage loan for my property located in XXXX, CA. 

On or about XXXX XX/XX/2021, I received a Notice of Servicing Transfer from the current servicer ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; ph. XXXX ). The correspondence indicated that servicing of the loan would transfer to Shellpoint Mortgage Servicing ( XXXX XXXX XXXX, XXXX, SC XXXX ; ph. XXXX ), effective XXXX XX/XX/2021. 

On XXXX XX/XX/2021, in response to a request from my refinance mortgage broker, I contacted Shellpoint seeking information ( loan number, payoff amount, payoff address, etc. ) on the transferred loan for the property in XXXX. I was informed that no record of a loan for that property existed in the system. I was advised to wait a few days before rechecking. Also on XXXX XXXX, I also contacted XXXX XXXX, which confirmed that the loan transferred ( in now closed ) and that the balance owed was {$0.00}. XXXX XXXX was unable to provide any information on the Shellpoint loan. 

On XXXX XX/XX/2021, I placed another call to Shellpoint seeking information on the loan. Again, I was informed that no record of a loan for the property in XXXX existed. The representative suggested that that a new loan could take up to 60 days to show up. They also provided an email ( XXXX ) where I could seek additional assistance. I sent an email to the address on XXXX XX/XX/2021, seeking urgent assistance in locating the loan so that the payoff information could be provided to the refinance broker. 

As of XXXX XXXX ( 27 days after the loan purportedly transferred ), I have not received any response or written communication from Shellpoint, violating 21 CFR 1024.33 ( b ) ( 3 ) ( i ) of Regulation X. As the payee and payoff of the loan can not be determined, I am unable to proceed with the refinance of this property. The rate lock ( which is at a lower rate compared to the existing loan ) is expiring within 2 days, and based on current market conditions I will not be able to relock at the same rate. When the lock expires, the lack of compliance on the part of Shellpoint will have resulted in monetary damages, from the incurred costs associated with the refinance loan, as well as the missed savings based on the difference in loan rates. 

I am seeking assistance of CFPB in resolving this matter with Shellpoint to locate my loan number, payoff amount, and payoff address.
Product: Checking or savings account

I bank with Wells Fargo Bank, and they have implemented a new system where I get my paycheck two days earlier. I had my check deposited on Wednesday of this week then I look at my account today and the deposit is missing and my account is in the negative. They couldnt help me or give me a time frame on when this will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently and still reporting an inaccurate account on my credit report. 
They refuse to allow me to submit another dispute because of a previous dispute on same account 5 months ago. the issue was never corrected then and it still remains now. this account listed by XXXX XXXX XXXX XXXX XXXX, First Reported XX/XX/2011 needs to be removed for the following : Student Loan Account Info Is Incorrect
Product: Credit card or prepaid card

I was sent an unsolicited Wells Fargo XXXX credit card in XX/XX/2022. I have never had a bank account, loan or credit card with Wells Fargo. I most certainly didnt apply for any credit card or their new product XXXX XXXX 

When I called Wells Fargo to inquire they wouldnt help me unless I provided extensive personal information. They basically called me a liar when I said I never applied for and didnt want a XXXX credit card. I called numerous times and each time the customer service reps were rude and aggressive. 

I also tried to report it to Wells Fargo fraud department but they said it wasnt fraud. 

Some years ago I did inherit a portion of my Dads IRA which I transferred to my own account within 30 days. So I assume they had all my personal information and opened the card using that information. 

On XX/XX/2022 I received a letter from Wells Fargo stating unusual activity and that my account had been placed on hold. The credit card bill showed previous balance, purchases and new balance all at XXXX ( zero ). The interest rate was 25.74 %. 

On XX/XX/2022 I received a notice that my credit card account had been closed. 

My biggest concern is that Wells Fargo used my personal information and ( excellent ) credit score to fraudulently open an account in my name.
Product: Credit card

I paid my CC bill like always. My statements were begin sent to my junk my. My payment was always {$25.00} so thats what I was paying. I received a credit alert from my credit monitoring service stating I was 30 days late on a payment. I was shocked. I quickly logged on and paid what I needed to pay to get to current status. I never received any notification about my account until the alert. Why would I get notification when I paid the bill? I 've tried contacting them multiple times and they state there is nothing they can do. Which I know is not true. I have been a member since 2008 and have never missed a payment. I also sent them a goodwill letter, again no response. I followed up with a call, again they claim there is nothing they can do. For 1 " so called '' late payment that did not actually occur. They have made XXXX of dollars off me and I have never missed one payment.
Product: Student loan

Mohela has placed an administrative forbearance on my account. I have a $ 0 monthly repayment at the moment so there is no payment due but I have been placed in forbearance and can not make a payment on my account now even if I were to have a payment. They will not answer the phone even though I have waited on hold for upwards of an hour. This is completely unprofessional and a terrible way to handle someone's fiscal accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Experian and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/XXXX I pulled my credit report and noticed there were several inquiries on my credit report, along with a account that I did not authorize and a address that does not belong to me. Inquiries listed below I would like removed from my report XXXX XXXX reported on XXXX XXXX reported on XX/XX/XXXX, XXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXX, XXXX XXXX  reported on XX/XX/XXXXXXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX reported on XX/XX/XXXX. Address listed below I would like removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX. Accounts listed below I would like removed from my credit report XXXX XXXX. These items listed are fraudulent and were not authorized by me and I would like them removed from my credit report.
Product: Student loan

We are coming out of a bankruptcy and XXXX XXXX turned over the account to Navient. My complaint is that this company sent correspondence ( e-mail ) to us that went to junk mail. We never received nothing through the mail. No phone calls. Than on XX/XX/2016 we received a automated phone call ( SCAM ) I thought. Turned out I 'm late on payments that I did n't even know I had. I will be contacting the Ohio attorney general and also with my State Rep.
Product: Debt collection

ACCOUNT ENDING IN XXXX The above account was reported a collection/charge off and is affecting my credit score negatively. The reporting of this account is incorrect as I see a balance after it was considered a charge off. I urge you the agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows a charge off? Im pretty sure you know it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.
Product: Credit reporting or other personal consumer reports

sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.