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

In XX/XX/XXXX, I took out a {$13000.00} loan from Wells Fargo to pay someone who turned out to be a scammer. The scammer contacted me via email and requested money to pay the FBI. Unfortunately, I lost a total of {$27000.00}, which includes the {$13000.00} loan. I discovered the scam when I conducted my own investigation and reported the incident to the FBI. I immediately notified Wells Fargo, XXXX  XXXX XXXX, the police department, and the FBI, filing an XXXX report. 
I made a few payments on the loan but still owe {$12000.00}. On XX/XX/XXXX, I was contacted by XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX., a debt collection agency representing Wells Fargo. I explained my situation and requested a dispute, as I am currently facing severe financial difficulties. I provided the debt collector with supporting documents, including my FBI complaint, fraudulent emails, a breakdown of my {$27000.00} loss, and details of the scammer. Despite this, Wells Fargo declined the fraud claim. 
I have tried to recover the lost funds through both of my banks and the scammers bank, but I have not received any refunds. The loan was never used by me for any other purpose. Since XX/XX/XXXX, my bank accounts have been hacked, putting me in a difficult financial position, and I am struggling to pay off credit card debt, rent, and other bills. Given these circumstances, I am unable to pay the remaining {$12000.00} and am seeking assistance to dispute the debt. 
You can refer to the full details of my experience in the XXXX report I filed with the FBI and in my correspondence with the debt collector. I also have a police case number related to this incident. Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to set up XXXX and estate planning for my XXXX mother. I currently have a security freeze with Equifax. Everytime I call, they say system is updating and call back in an hour. Its been 24 hours now and my mothers application for XXXX and my estate planning is on hold. Im here in Florida trying to resolve these issues and I have to fly back in the next few days with my mothers life in XXXX and finances are in limbo. This could be a very expensive glitch and XXXX of dollars are in the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, 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: Credit card or prepaid card

I got an email saying I had added a new card to my Google account, clearly I had been hacked. It said that I had signed in from a XXXX  XXXX and there was a card ending in the numbers XXXX that had just been added to my account. I did not and am very worried about the security of my account.
Product: Debt collection

World Finance is repeatedly calling people I listed as references over & over, but are also calling people I did NOT list as references leaving messages for me to call them. Per 1692b of FDCPA they are only to call my references one time each & are not supposed to say where they are calling from. They have my correct phone number & address so it is not being used for the need of " location purposes ''. This has been going on for two months. They have told me directly they will continue to call my references daily until I come into the office because that is what is required for them to do.
Product: Credit reporting or other personal consumer reports

The investigation resulted on the disputed claim that The cause of the problem is that capital one reported on XX/XX/2024 that I had a debt of XXXX pains to the credit bureau that is XXXX and because of that my credit went down from solid which caused me problems my payment date to pay is the XXXX of each month which my last payment was XXXX dollars which my available credit from my credit card is XXXX dollars I pay on time the credit that I use then how is it possible that if I paid on XX/XX/XXXX the XXXX dollars for the XXXX they report that I had a debt of XXXX dollars if my next payment is XX/XX/XXXX this is damaging my credit score and it is not fair because I make my payments on time I need you to help me solve this problem
Product: Mortgage

Fay Servicing 's XXXX customer service number is not listed on their customer service portal. There is a way to message them using their own messaging service, but no email address listed or no phone number. 

If you XXXX " Fay Servicing Customer Service Number '', you can find their number on their website ( not their customer service portal where customers actually manage their loan ). Upon calling their number, an automated voice tells me the figures of my loan. No option to speak to a real person. 

This seems to be a pretty common loan servicing practice. Just giving customers the XXXX when they attempt to get an actual human on the phone. 

It's pretty obvious none of these companies want to talk to the mortgage holders.
Product: Debt collection

I filed a lawsuit against XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX on XX/XX/2019. The Defendants, did not have a Multifamily dwelling license for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Md XXXX ; ( Citation # XXXX and Amount of Fine {$500.00} ) and registration citation ( Citations # XXXX and Fine Amount {$100.00} ) Also, which should have prevented them from doing business in the District Court for XXXX XXXX, Maryland. They were never legally entitled to any money or to place Plaintiff, XXXX XXXX in the position to have a rent escrow action or furthermore any judgments due to renting an illegal apartment not up to code, amongst other misrepresentation. This company owes me and unfortunately I couldnt get a judgment in my favor as I represented myself Pro Se on a brief XXXX  meeting with the defendants lawyer and a judge during the pandemic, so I never got my demanded jury trial. The Defendants didnt counter sue and I was not served a judgement for {$9000.00}. I dont owe them anything. XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX Company sold this misrepresentation debt to Fair Collection and Outsourcing/FCO and failed to name ALL PARTIES INVOLVED. The CASE Number : XXXX CIVIL IN RE : XXXX XXXX vs XXXX XXXX XXXX, et al. has been reopened/active with no counter lawsuit. Furthermore, I am asking to cease and desist.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$87.00} XX/XX/XXXX XXXX XXXX {$780.00} XX/XX/XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX, XXXX XXXX 15 U.S.C, 1681section 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. 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 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

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 XXXX XXXX Account number # XXXX, XXXX XXXX XXXX  Account number # 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 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 or 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 know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer XXXX XXXX XXXX is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX Dear CFPB , I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXXXXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received an answer from a XXXX XXXX that my request for reimbursement of {$48000.00} was being denied again. I made two airline reservations with Citibank card on XX/XX/2019, and they reversed one, but would not reverse the other, saying it was not fraud, and therefor I was responsible for it. The letter from this XXXX guy does not make any sense, and is just double talk to not admit quilt on Citibank. This is fraud on their part, and I paid them so not to get interest charges, and bad credit.
Product: Vehicle loan or lease

I just saw a article about the lawsuit against Wells Fargo. My first car had a loan through Wells Fargo and it too way longer than it was supposed to to pay off even though payments were made on time. I inherited that loan from my mother and stepfather in XXXX. I was still paying it even after graduating with my first degree in XXXX. Since then Ive moved from my parents home and I also had also legally changed my name in XXXX to to cut off all ties with my biological father and his family. I do not recall if I ever notified them of the name change.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX, along with XXXX, are in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) by failing to handle my disputes responsibly and in accordance with federal law. First, these credit bureaus are disregarding their duty to conduct a timely and reasonable investigation as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reinvestigation of disputed information within 30 days of receiving notice of the dispute. Additionally, they are failing to notify data furnishers of my dispute, violating 15 U.S.C. 1681i ( a ) ( 2 ), which requires that the credit reporting agency forward notice of the dispute to the data furnisher within five business days. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) obliges these agencies to review and consider all relevant information I provide, yet they are verifying inaccurate public records without considering the supporting documentation I have submitted. 

XXXX and the credit bureaus are repeatedly verifying inaccurate information without conducting proper investigations, violating 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information, upon receiving notice of a dispute, must perform a complete and accurate investigation and report their findings back to the credit bureaus. The repeated verification of inaccurate information, despite clear documentation to the contrary, demonstrates willful non-compliance and a reckless disregard for the accuracy standards outlined in 15 U.S.C. 1681e ( b ). Lastly, their delays and lack of responsiveness in handling my disputes breach 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely reinvestigations to protect consumer rights.
Product: Vehicle loan or lease

I can not get my refund check from prestige financial out of XXXX XXXX XXXX Utah. Every time I call them I get a different story. The loan has been paid off and the check has cleared the bank.
Product: Credit reporting

I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do XXXX disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : US BKPT CT CA SACRAMEN XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate
Product: Money transfer, virtual currency, or money service

Monies spent I did not spend or send. Money disappearing out of my savings account on cash app.
Product: Credit reporting or other personal consumer reports

I have been in a consistent battle with Transunion about deleting the inaccurate accounts listed on my credit reports
Product: Credit reporting 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 XXXX 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 XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$46.00} XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX  XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit card or prepaid card

Frontier Airlines closed my Frontier Barclays Credit Card due to inactivity. When contacted, Barclays representative stated that they typically send a written warning to card holders notifying them of the pending closure unless they utilize their card within 30 days. I received no written notice ( no notice of any type ). My current Frontier Barclays Credit Card is valid through XX/XX/23 ( if it had not been closed ). Frontier offered to reopen my credit card for an annual {$79.00} fee. I believe Frontier/Barclays closed my " no fee '' Barclays Frontier Credit Card to force me to a Frontier Credit Card carrying a {$79.00} annual fee. I would like my old Frontier Barclays Credit Card reopened. This seems like an unlawful action by Frontier Barclays Credit Card. Thank you.
Product: Debt collection

The Doctor 's office charged me for a broken appointment last XXXX. I had called and personally spoken to the receptionist and cancelled the appointment. She asked me why and I told her.

I have received bills from the Dr. 's office, the bill collection agency, and repeated phone calls about this bill.

I have written letters to the Dr.s office and the bill collection agency explaining what happened. I have made repeated phone calls to the Dr.s staff and the bill collection agency explaining that the appointment was cancelled and I should not be charged. Nothing has worked.
Product: Credit card or prepaid card

I opened a credit card account in 2018 with SEARS/CITI to save a few dollars on an in-store purchase. I have called them twice and closed the account, but I'm still receiving Bills of {$0.00} and they keep sending me blank checks to transfer debt that I don't have.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account XXXX Account Name : DEPTEDXXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting

I contacted Equifax by phone on XXXX/XXXX/XXXX to request removal of a XXXX state tax lien filed in XXXX. At the time the lien was filed, I was living XXXX and was not in receipt of any notices of an impending tax lien from the XXXX XXXX XXXX XXXX. Upon my return to living XXXX XX/XX/XXXX I immediately contacted the XXXX and set up a payment plan which I completed in early XXXX ; the XXXX subsequently released the lien in XXXX XXXX. However, Equifax informed me on the phone call that they would not remove the record in their databases until 10 years after the filing, or seven years after the lien was released. When I inquired the reason, the agent informed me that it was because of state and Federal law that they were required to maintain the record. Unlike the XXXX Fresh Start program, and states such as XXXX where I currently reside, the state of XXXX has no mechanism for withdrawal of tax liens. ( XXXX legislation introduced several years ago to mirror the XXXX withdrawal legislation, SB XXXX, was not passed. ) I find this quite unfair, as it can burden many taxpayers like myself who have made the effort to satisfy their tax debts completely. As the XXXX noted upon initiating the Fresh Start program, " the goal is to help individuals and small businesses meet their tax obligations, without adding unnecessary burden to taxpayers. '' XXXX said, " These steps are good for people facing tough times, and they reflect a responsible approach for the tax system. '' Last month, encouraged by the Fresh Start program, I paid off an XXXX debt of {$33000.00}, in full. What can be done to get XXXX and the credit reporting agencies, to see things through the same lens? And, more to the point, why is it that the credit reporting agencies are claiming to be governed by different state and Federal rules.