23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a 30-day late payment reported on my Bank of America credit card account ( Account XXXX : ending in XXXX .... ) for XX/XX/year>. I have attached documentation demonstrating that the payment was made on XX/XX/year>, prior to the reported delinquency. 

Enclosed are copies of my bank statements and payment confirmations as evidence. I kindly request that you investigate this matter and update the account status to reflect Paid as Agreed. 

Thank you for your prompt attention to this matter. Please inform me of the outcome of your investigation at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accountXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2900.00}, )XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), U S DEPT OF EDXXXX, ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX. My daughter, who is my Power of Attorney ( POA ), will assist me with explaining the complaint. <P/>My name is XXXX XXXX, POA for XXXX XXXX. My mother suffers from multiple XXXX XXXX, XXXX and XXXX being the most severe and is unable to make decisions for herself. This company sent my mother a check through the mail. She cashed it not realizing that it would turn into a loan she would need to repay. She hid this information from me and struggled to pay the debt off because she 's under a set low income from social security and her XXXX. I contacted the company and sent them a power of attorney so that I could be given information regarding the account. I did let them know she was XXXX XXXX to understand what she had done. They said she did n't " act or seem '' mentally incompetent. I paid the balance with my own money on X/X/2017 for ( XXXX ) because my mother would never be able to pay off the debt herself and I did n't want them harassing her because of her XXXX XXXX. I also did n't want the interest to accrue while I tried to resolve the debt. I contacted them today XXXX to get the history of how she was able to obtain a loan through them and to get past payment information. I also wanted to know how much she actually was given without miscellaneous charges i.e. finance charge, late fees, and returned checks. XXXX stated she would n't release any information without going through the legal department. She verified that she did receive a check through the mail and stated that 90.90 % interest was legal. She refused to give me their OCCC license number. She could not give me a timeline on when the legal department would contact me or how I could get a hold of them. She also hung up on me. <P/>Company Information : Continental Credit XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Student loan

Navient failed me completely as a loan servicing company. I have worked in public service for 10 years and while making barely XXXX/yr they asked me to pay $ XXXX/mo which was impossible. I have recently noticed the CFPB is suing Navient for similar issues. I was recently made aware of all the options Navient denied me and refinanced under the PSFL program and am successfully paying my loans now. I would like to provide proof of 10 years of public service employment and have Navient cover the remaining balance of the loans as I feel they have illegally cheated me out of my rightful repayment options and placed unnecessary XXXX and hardship on me all these years. Navient had cheated and scammed so many young Americans and denied them their rights, and this can not be allowed. These loans were for both XXXX XXXX and University XXXX. They were public federal loans guaranteed by the government.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I would like to request a detailed description of the verification or modification process for each account listed below : XXXXXXXX XXXX Account Number XXXX Credit Limit : {$7100.00} Date Opened : XX/XX/XXXX Description of Verification/Modification : XXXXXXXX XXXX Account Number XXXXXXXX LOAN AMOUNT {$49000.00} Date Opened : XX/XX/XXXX Description of Verification/Modification : I am exercising my rights under the Fair Credit Reporting Act to ensure the maximum possible accuracy of the information on my credit report. As such, I kindly request that you provide me with a thorough explanation of the actions taken regarding the mentioned accounts. 


Please look into this matter provide the requested information at your earliest convenience. 


Awaiting your prompt response.
Product: Checking or savings account

Today ( XXXX  ), a total refund in the amount of {$2600.00} was deposited into my Capital One checking account by XXXX AS AGENT, bringing my total checking account balance to {$2700.00}. This is the refund amount that I requested be deposited into my checking account after the student loan that I borrowed from Department of Education paid for my graduate classes -- so that I could use these remaining funds to pay for the textbooks, etc. of the XXXX XXXX classes for which I registered this semester. 

When I went to a store ATM ( listed on Capital One 's app as an ATM approved by Capital One ) to withdraw some of these funds today ( XXXX ), the ATM stated that the transaction was declined by the financial institution ( Capital One ). I immediately went back to my car and called Capital One. 

Upon my call, XXXX, a Capital One employee from overseas, told me my account was restricted then sent an email, stating my account is restricted. Funny how this restriction came only after I tried withdrawing my funds. He also would NOT tell me why I could not withdraw my own money and why my account was restricted. I requested to speak to a US-based supervisor. XXXX kept me on the line for XXXX minutes, telling me repeatedly he was looking for a US-based supervisor that I eventually hung up without ever being connected to one. When I mentioned that I was going to report Capital One to CFPB and other relevant agencies, XXXX asked me to take a photo of my ID and text it to him, which I refused. I told him that if this had been a standard procedure, he would have asked me to do that in the beginning of the call, not after XXXX minutes into my being on hold. 

After hanging up on XXXX, I called again and got connected to another overseas Capital One employee named XXXX. XXXX eventually got me connected to someone named XXXX ( employee # XXXX ), who claimed to be a US-based supervisor. He, too, would NOT tell me why my account is restricted and why I could not withdraw my own money. When I told him that I need my money now for my classes, he claimed that I would instead be getting a check in the mail in the amount of {$2700.00} within the next XXXX business days. I want my money NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously on my last complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved demand for debt with a deadline to respond from Wakefield Associates, LLC. When I called number listed in the letter, operator demanded personal financial informantion and would not provide any information about who they where or why they were claiming debt. 

I responded with a written request for originator of debt. Five months later I recieved a letter with name of another debt collector and no other information. 

I believe this to be a scam. The phone operator was curt and demanding. She indirectly threatened me in attempt to obtain financial information. I did a XXXX search on the debt collector and recieved several cites about scams. All links to company led to series of names of companies with no verification.
Product: Consumer Loan

-On XX/XX/XXXX I phoned in my {$97.00} monthly payment for account XXXX. 
-I had previously submitted a request for ACH automatic payments from my bank account. 
-Representative informed me on XX/XX/XXXX that she sees it processing in the system and it should be operation and take care of my next payment. 
-As advised by bank representative in XXXX, I expected XXXX 's payment to be drafted automatically from my bank account. 
-The XX/XX/XXXX payment was n't mayde and I recieved no notifications or collections phone calls from lender about payment being late or my ACH request having been rejected the bery next day after I called ( XX/XX/XXXX ) and lender does not invest in text messaging, or online access to allow me to see the status of my account. 
-On XX/XX/XXXX I received notification from XXXX smartphone app that I have been reported as being 30 days by Synchrony Bank XXXX 
-Synchrony Bank manager says that I have to live with it because I did not send a voided check along with my ACH request and that they sent a letter regarding it, but there was no call or letters, especially since I am not always at home because of military service and again Synchrony Bank does not invest on texting or a website. 
-I request that this negative entry be removed by lender because I followed what the bank representative adviced as to my next payment ( XX/XX/XXXX ) being made automatically as a result of my pending ACH auto payment request being fully processed by then, despite of disclosures about several billing cycles being necessary ; because the representative represents the lender, I followed her advice and I had no communication whatsoever from lender about my payment being late or ACH request not being accepted.
Product: Payday loan, title loan, personal loan, or advance loan

I took out an installment loan on XX/XX/2024 from Check N Go. According to the terms of the contract, I'd have to pay back {$390.00} /monthly for 5 months which is in total equals {$1900.00}. That's almost 250 % over what I borrowed!! I tried on numerous occasions to settle the loan based on the actual fees charged, which would actually be {$1000.00}. Although that's pretty pricey, I'm willing to take a 30 % loss versus a whooping ~250 %. I eventually took the time to look at how this loan is structured : I borrowed {$800.00}. Five payments of roughly {$390.00} is more than enough to pay off an {$800.00} loan, including interest. So I took the principle amount and divided it by 5 which comes out to {$160.00}. So basically, only 40 % of the monthly payments ( if that ) goes towards the loan itself and the rest is interest and fees. Simply put, I'm paying almost {$240.00} to keep the loan active for 5 months. So when I did the calculations, I took the difference of the principle payments from the overall repayment fee, which came out to {$230.00}, added that to the {$800.00}, which in turn equals to the {$1000.00}. I tried to negotiate that amount to the Check N Go, but they're not listening. I don't mind paying what I owe but I refuse to pay a loan back at 250 % interest! That right there is loan shark territory! I would love a remedy for this situation and situations like this need more exposure to protect the consumer and make companies like this who enforce contracts like this to suffer major consequences. If possible, please help me with this the best way you can. Thank you.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX with inaccurate credit reporting from XXXX XXXX XXXX. The balance ( currently XXXX ), monthly payment amount ( XXXX ) and delinquency ( the account is up to date ) is not accurate and need to be updated. I reached out to XXXX XXXX XXXX who updated information on their end and requested I contact the credit agencies for additional updates. The consumer reporting agencies need to report all information with complete accuracy. I'm requesting an investigation and information updated, this account is in good standing. Thank you for your assistance with getting this issue resolved.
Product: Payday loan, title loan, or personal loan

BrightLending is not licensed in the State of Indiana. I requested to stop payments and refund the difference in what I was told I needed to pay and the actual amount. When I notified the company, they stated tribal laws do not apply to states. They are not located in Indiana nor licensed in Indiana but continue to harass and will not refund the difference that I was told I needed to pay and what I actually paid..
Product: Mortgage

I filed a complaint with the CFPB about Wells Fargo 's handling of my mortgage concerning the covid 19 motgage payment suspension period, I complained that Wells Fargo added money to my mortgage, money that I did not borrow, but a penalty for using the Covid mortgage payment suspension. Wells Fargo 's answer was to create virtually a second loan account for the assesed penalty. Again I must complain about this, The implied Covid mortgage payment suspension was that mortgage payments would be suspended and resume after the alotted time period without penalty. These terms were implied and I and I am sure many others are appaled that an important government social contract in time of Government Mandated Shut Downs, would be used to defraud the home owning public. 
No penalties should be assesed, and if they are allowed to be then the Government should be the one to pay those penalties. It was the Government who shut the country down, and tried to mitigate the loss of personal income by coming up with this program and other programs to help with the loss of that income. 
The adding of money owed or " borrowed '' to my mortgage account, when I never borrowed more, is not only improper but imoral.
Product: Credit card or prepaid card

Tried numerous times contacting card company since XXXX No response, not answering phone.
Product: Credit card

Wells fargo failed to close accounts I had closed 15 years ago and they claim someone charged {$1000.00} worth of XXXX on a card I closed years ago, I do n't even have an XXXX, and they put this on my credit report. 
Firstly it 's a fraudulent charge I never did. Secondly that card should have been closed anyway. I have not had anything to do with WF since the bailout. Please help my get them out of my life Completely.
Product: Debt collection

I am unaware of the debt with Portfolio Recovery Associates. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If, in fact, you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Portfolio Recovery Associates didn't provide me with any proof that I asked for above because they never sent me anything through certified mail, and they don't have my signature to prove that I received any proper notification from them. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher, but they have failed to investigate or correct the errors as required by law. If the furnisher can't provide the proof I asked for, they need to remove the negative account from the credit reporting agencies they report to. Anything less will result in legal action. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Goldman Sachs Bank and XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.
Product: Checking or savings account

Bank of America has frozen my EDD account. They have given me no reason for the account freeze. When asked they have told me to contact California EDD. I have contacted California EDD and they have told me there is no reason for the account freeze from their end.
Product: Checking or savings account

On XX/XX/year> I set up a high yield savings account with XXXX ( by Santander Bank ) with an initial deposit via electronic transfer of {$500.00}. Since that time, I have not been able to log into my account despite spending numerous hours with their customer service. Finally, out of frustration, I called their customer service and said I wanted to close the account. I was told the only way to close the account was to click on a link they would text me that would prompt me to upload photos of my ID/driver 's license. Once again, I was on the phone with their customer service for over an hour, but no matter what we tried the link they sent would not allow me to upload my ID. I asked can I email you a photo of my ID? How about asking my social, birth-date, mother 's maiden name, etc? I was told no, the only way to close out the account was by uploading my ID via the link they sent which wasn't working. So in other words, they have my money and won't give it back to me. I would like to point out my phone and camera are working just fine. We checked permissions in the settings and that was fine also. The rest of the apps on my phone work just fine. Is this just a way for XXXX to keep depositer 's money? For me, it seems that is the case.
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX