23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX, I contacted my personal loan lender Upgrade Inc, my personal loan payments were on autopay for the 4th of the month, however, I changed banks and was unable to modify my autopay through the Upgrade app. I contacted support via telephone and was told, that the auto pay was already in process and could not be modified to wait until my payment is returned from my old bank to modify my autopay. Not being able to modify the auto pay, I paid manually each month. I started to receive credit alerts of an adverse action on my account and thought this must be a mistake. I had noticed that my monthly charge had increased with no additional purchases made and decided to check my monthly statements before contacting the company. Looking over my monthly statements I immediately noticed discrepancies in where my payments were being distributed. Initially, most of my payments were going to the principal, however, lately my payments were going all to interest with less than 25 % going to the principal balance. 
When I contacted the company, I spoke with a young lady who went over my account and informed me that due to returned payments for the last several months to the account that I previously informed had been closed, more of my payments were now going to the interest. I advised her of the previous call, which she was able to verify. I then informed her, that they have been paid on time regardless of weather, they were attempting an autopay on a closed account and that I needed my account fixed. I am a full-time parent, student, and employee, so I did not wait on the phone for her to resolve the issue. On XX/XX/XXXX, I called Upgrade again and this time requested to speak with a supervisor. That phone call lasted for 1 hour 45 minutes : I spoke with a supervisor a very nice gentleman, who profusely apologized for the inconvenience their incompetence had caused yet insisted that there was nothing he could do, that I would need to pay the additional fees however if I would like to have more of my payments go to the principal he would be happy to assist with an additional payment now. 
XX/XX/XXXX, I filed a complaint with the Federal Trade Commission, complaint # XXXX and the XXXX XXXX XXXX # XXXX. The company has sent several emails since the XXXX of XXXX but have failed to return my calls, to XXXX the account representative who was assigned my case, I have withheld payment since XX/XX/XXXX and will not continue until they fix their mistake. I would like them to fix my account, as it is not fair that I should have to pay financially for their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITIBANK NA., BEST B, on XX/XX/2019, XXXX XXXX-XXXX and on XX/XX/2019, XXXX  - XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

" To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company on XX/XX/year>, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless you have a permissible purpose per FCRA Section 604. You have no permissible purpose so please have this inquiry removed from my credit file immediately.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this along with your certification to the bureaus that certifies your permissible purpose. 
Otherwise, please note that I am reserving the right to take civil action if necessary. '' The address listed on the entry is likely a bad address as I sent a certified letter there on XXXX XXXX, it was available for pickup on XXXX XXXX, and still hasnt been picked up. It is my understanding that you have reported false information on my credit file and its costing me time and money to get these things sorted out. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. 

I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. 
The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX XXXX Veteran and my Navient student loans were granted a discharge that took effect XX/XX/2016 as forgiven and paid in full. My concern is that Navient has still been reporting delinquent activity to my credit report. I contacted Navient and they claim they have not been reporting delinquent activity, but I have tried to borrow money from my personal bank ( XXXX XXXX XXXX ) and they stated that, because of the report from Navient no funds can be lended to me.
Product: Credit reporting or other personal consumer reports

Ther are XXXX ( XXXX ) debts on my credit report that are older than XXXX ( XXXX ) years and despite disputing them, they deny removing them from my credit report. The credit bureaus deny it as well as the companies, which is prohibiting me from purchasing a home.
Product: Credit card

rec a ltr that my acct was cr for XXXX this was n't done, and want of statementsements from XXXX to current to see where this cr was issue, as they are now revesring it and putting it bk to the acct.
Product: Consumer Loan

Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.
Product: Mortgage

I make my mortgage payments online. I always save a copy of the confirmation of my payment on my computer. For years now my mortgage company has delayed processing my payments by 2 or more days from when I requested the payments to be processed. Can my mortgage company charge me interest on these extra days?
Product: Debt collection

I was told by XXXX XXXX employee when I turned my equipment in that I did not owe any balance and to ignore the next cable bill. 
Got a notice from XXXX XXXX XXXX and disputed the debt since I was told I didn't owe anything. Sent documentaion that I paid my last bill and sent a copy of bank statement. Never heard back so I assumed it was taken care of. Went to refinance my house and showed past due from Credit Management Inc. I had never heard from them. I called and it was about the old XXXX bill that I thought was already resolved. I contacted XXXX for the fourth time and finally was given correct information. I did what XXXX told me to do. This should not be on my credit report.
Product: Debt collection

My wages are currently being garnished from a bill that I have no information on. I only know that it's a medical bill from XXXX XXXX. I have no information regarding the date of service, the services rendered, etc. 

There is a record on file indicating that I'd been personally served on XX/XX/XXXX, which is false A consent was later signed by me while under unlawful duress, in order to prevent a garnishment that I was never made aware of nor was I given the opportunity to respond to it. 

I have no clue of any previous payments or payment history that was made with the company. That information was not provided when I requested my account information. 

They stopped contacting me and I recently received a notice from my employer stating that my wages were going to be garnished. 

I received this notice from my employer on XX/XX/XXXX and on XX/XX/XXXX my wages were being garnished. 

This is a very unfair practice and completely puts my children and I in a compromising position and I was completely blind-sided by it. 

There was no due diligence in contacting me and the " contract '' that they have for me was only signed b/c they have a illegitimate record of me being personally served and me signing the contract was the only way for me to prevent my wages from being garnished.
Product: Credit reporting or other personal consumer reports

XXXX is not communicating I have left numerous messages and contacted them multiple times My XXXX XXXX XXXX XXXX XXXX is not showing up online and I am not getting my XXXX XXXX XXXX XXXXXXXX  from XXXX they are not updating my account information whatsoever I am tired of contacting them I am tired of being on hold I am tired of talking to somebody who's in XXXX. I have got a case numberRe : XXXX  : case number escalation XXXX. Numerous times I'm trying to get my XXXX XXXX  and XXXX XXXX from XXXX but something is wrong at their end and I'm not able to get access I'm tired of contacting them. The error message keeps saying XXXX has not been able to update your has no credit history for you XXXX has no credit history for you how's this XXXX possible. They are messing up my credit history they're supposed to keep track of all my credit history why is it saying XXXX has not updated my credit history since XXXX
Product: Bank account or service

The bank BBVA Compass charged my checking account discriminatory XXXX NSF charges of XXXX each totaling {$380.00} and they did this while not processing charges I made to my account in the order they would normally process to a bank. Therefore they changed the way transactions process so they could knowingly profit off of charges by discrimination.
Product: Debt collection

As a federally protected consumer, I am highly disappointed and unsatisfied with XXXX XXXX XXXX, XXXX. My name is XXXX XXXX and I am making this complaint against XXXX XXXX XXXX, XXXX for committing identity theft and committing multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have no recollection of authorizing or giving XXXX XXXX XXXX, XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim I owe. I am fully aware that the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with XXXX, XXXX and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2024, I have not received any documentary evidence, such as a trilateral contract, giving XXXX, XXXX any right to collect on this alleged debt. I have also never received any documentation requesting validation from XXXX, XXXX before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report. This is debt parking and it is illegal. If XXXX, XXXX can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until XXXX, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. I gave XXXX XXXX no permissible purpose to furnish anything to my report or did I receive notice of the right to dispute. I would also like to add the notation that CAPITAL ONE NA DID NOT LEGALLY OR EXPRESSIVELY OBTAIN MY CONSENT TO SELL, TRANSFER, ASSIGN, NOR DISCLOSE ANY NON PUBLIC PERSONAL INFORMATION PERTAINING TO THIS ACCOUNT WITH XXXX XXXX OR ANY OTHER THIRD PARTY. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for arbitration and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally accessed my experian credit report and shows on XX/XX/2023 that XXXX XXXX XXXX somehow accessed my credit info and did so without my knowledge and without my consent. this is fraud.
Product: Credit card

Without fail, I've maintained timely payments on this account, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the inclusion of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, necessary corrections are warranted.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with TD Bank, nor have I ever opened an account with them. The info that I was able to get from XXXX XXXX XXXX  is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. TD Bank is not FDIC insured. I have requested a dispute through XXXX XXXX. I have run a credit report and TD Bank shows up as under " soft inquiries '' on XX/XX/XXXX. I called TD Bank on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

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

PayPal has close my account for no reason and refuse to help me get my money and getting my account up and going Im not assure this a mistake because they have refuse to even try to help me come up with excuses sayings its final it my appeal has been denied and stuff and I needed my money for paying off my credit card I think you know how I feel my PayPal email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters over 120 days ago to this this bureau ( Experian Information Solutions , Inc. ) and the educational institution ( XXXX XXXX College ) and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

Account Number : XXXX
Product: Debt collection

Cavalry SPV l. LLC. a Junk Debt Buyer is trying to sue me for a very old debt. they are trying to sue a XXXX person on ssid = me. they are XXXX
Product: Mortgage

To Whom It May Concern, I am writing to express my deep frustration and seek assistance regarding the ongoing issues I have faced with Wells Fargo Home Mortgage since XXXX. Despite contacting the Consumer Financial Protection Bureau ( CFPB ) twelve times over the years, including the most recent cases ( XXXX on XXXX and XXXX on XXXX ), my concerns remain unresolved. 
The situation began when I informed Wells Fargo of my layoff after over 20 years of employment. I was advised by their representative, XXXX XXXX, to enter a 12-month forbearance plan. He assured me that after this period, I could resume my original mortgage payments, with the deferred amount added to the end of my loan through a modification. I informed XXXX XXXX of my new employment and received a copy of this agreement. However, upon making my first payment post-forbearance, it was returned with a letter stating that partial payments were not accepted. Attempts to contact XXXX XXXX revealed he was no longer with the company. 
Subsequently, Wells Fargo altered the terms of the agreement without my consent, misrepresented my income to suggest I couldnt afford the payments, and dismissed my grievances. Interactions with their staff, particularly an individual named XXXX, were met with rudeness and accusations. Despite repeatedly bringing these issues to the attention, my complaints were merely forwarded back to Wells Fargo, resulting in no meaningful resolution. 
As of XX/XX/XXXX, I have not received any response from Wells Fargo. Their actions have led to my family homelessness, and the wrongful foreclosure remains on my credit report, hindering my ability to secure housing. The CFPB has not taken effective measures to address or rectify this situation, nor has Wells Fargo been held accountable. While there have been reports of Wells Fargo compensating affected individuals, many, like myself, lack the resources to pursue legal action and have been left without recourse. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

capital one ran my credit on XXXX XX/XX/year> & XX/XX/year> an i did not approve for them to run my credit ALSO XXXX XXXX XXXX my credit on XXXX i did NOT APPROVE OF THEM TO RUN MY XXXX
Product: Checking or savings account

TRUIST BANK HAS DENIED MY DISPUTE EVEN THOUGH I REPORTED AS POSSIBLE FRAUD. I PURCHASED AND PRODUCTS/SERVICES NEVER DELIVERED OR PROVIDED STATUS OR UPDATE. I CANCELLED AND NOW THE COMPANY WILL NOT GIVE THOUSANDS OF HARD EARNED MONEY BACK. 
-- - BANK : TRUIST COMPANY : AIR.AI ISSUE : POSSIBLY FRAUD AND NO DELIVERY OF TANGIBLE WORKING SERVICE OR PRODUCT. 
-- -- I was told the monthly cost was $ XXXXmonthly but charged XXXX charges of {$2800.00} initially for a total of {$5700.00}. 
Delivery of products were to be in two weeks and have not received any status or updates. 
I was not provied any access to review my product/services. 
I decided to cancel and request a refund. 

On XX/XX/XXXX, I requested a refund by initiating the request by email. ( see attached file " XXXX Cancellation Services Request XXXX - XXXX '' ). 
On XX/XX/XXXX, I received notification no refunds were available even though no product would be delivered and no status of the delivery of my XXXX XXXX was ever provided. ( see attached file " XXXX XXXX XXXX  - Refund Request Denied.XXXX '' ). 
On XX/XX/XXXX, I received an invoice for a second payment of {$8500.00}. I indicated I desired to cancel the services and request a refund on XX/XX/XXXX, to avoid an issue with XXXX charging my CC/Debit Card I requested to cancel and a refund of funds. ( see attached file " XXXX - XXXX - XX/XX/XXXX XXXX '' ). 

On XX/XX/XXXX, I submitted a dispute claim ( ) for the two separate payments made ( or cleared ) on with TRUIST BANK and the Company Transaction Details | - {$2800.00} | XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE | Transaction Date | XX/XX/XXXX and Transaction Details | - {$2800.00} | XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE | Transaction Date | XX/XX/XXXX Only one of the transactions ( XX/XX/XXXX ) was stated on the claim response ( Dispute Claim # : XXXX ) from Truist. I therefore submitted another claim on XX/XX/XXXX ( Dispute Claim # : XXXX ) for the second transaction for XX/XX/XXXX.