23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I tried to consolidate my credit card debt on my Wells Fargo card. I applied and was approved for a personal debt consolidation loan to pay this card off. The lender ( XXXX XXXX ), as per its course of business and policy, mailed the check, for {$8500.00} to Wells Fargo. On XX/XX/XXXX, I saw on my XXXX balance that my debt had been reduced by {$8500.00} ( the amount of the check ). I then used the card to make purchases because the balance had been nearly paid off via the loan check, as was reflected in my account. Five days later, XX/XX/XXXX, I come to learn Wells Fargo rejected the check. I found this out because my balance statement, that initially showed {$8500.00} was paid off via the lender check, was now back as a balance on my account, listed as a " payment adjustment '' with NO additional explanation. On top of this, I now accrued an ADDITIONAL Overdraft/Overlimit fee for the purchases I made based off the original statement, which again, accepted the payment. 

I called Wells Fargo several times for information. I explained that XXXX sent a check for the amount. It was a debt consolidation loan, standard issue, from another well-regarded financial institution. Wells told me that the check was rejected because they were unable to verify the account. But how can this be when it was first applied to my statement? How could they not verify the account but still show the amount on my statement? Wells Fargo would provide NO further information. By this point, I'd accrued an overlimit fee, as well as a {$27.00} dollar fee inexplicably assigned to my account for Wells rejecting XXXX 's payment. Wells Fargo now expects me to pay {$2000.00} to bring my account back on track. I dont have {$2000.00}. I barely had the regular minimum payment, which is why I tried to consolidate my debt. Now I also have loan bills coming in to pay back the XXXX loan! I wanted to cancel the loan with XXXX as the funds were never cleared and so the loan was never drawn on or applied. XXXX said they needed to see the returned check from Wells Fargo. I called XXXX several times and they told me they dont have the check and can give me no further documentation of what happened. All I have is my statement. The last representative I spoke to, XXXX, informed me that they shred the checks and dont return them. Shredding checks, as a negotiable instrument XXXX refused to apply, is absolutely unfair and deceptive behavior. And the over the limit fee they charged me on top of this is abusive. They are in violation of UDAAP with their handling of this, and they are hurting my credit score when all I attempted was to pay off what I owed them. 

My statement from XXXX on XX/XX/XXXX STILL shows the {$8500.00} as " Payment, thank you '' followed by " Adjustment -- Payments '' where the money is inexplicably returned to the account balance. I have attached this statement for review. I want my fines reimbursed and I want to close my relationship with them. They do not want to be paid off ; they want to keep their borrowers as hostages. This is shameful. Please investigate this.
Product: Debt collection

CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, STATE, LOCAL AND FEDERAL CONSUMER PROTECTION LAWS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report ; credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by other bureaus I dont understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

Complaint to the Consumer Financial Protection Bureau Lender : XXXX XXXX XXXX Account Information : # XXXX Issue : Failure to Provide Necessary Documentation for Vehicle Registration and Unfair Reporting of Late Payments I am writing to report a complaint against Santander XXXX XXXX, the servicer of my car loan. Despite numerous attempts, Santander has failed to provide me with the necessary documentation to register my vehicle with the Virginia DMV. 
In XX/XX/year>2024, I contacted Santander at least 10 times via phone, email, and fax to request the required documentation. I faxed the necessary information provided by the Virginia DMV to Santander multiple times, but they failed to respond or provide the required documents. 
I also emailed the requested information on multiple occasions in XX/XX/year>2024, including pictures of the VIN number bar and completed DMV forms, to the email address provided by Santander. However, I received no response. 
As a result, I have been unable to register my vehicle and lawfully drive it since XX/XX/scrub> 2024. Nevertheless, Santander has continued to expect timely loan payments and has reported late payments to the credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/3021 XXXX Card Inquiry : XX/XX/2023 Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been longer than 4 days and consumer reporting agency still reporting the accounts to the credit bureaus. My reputation is being tarnished and I am trying to get a home but can not due to these fraudulent accounts. Some accounts has been removed but all needs to go. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITER CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card

I owned XXXX different card credit with XXXX XXXX XXXX. XXXX account had a 0 % promotional APR on any new purchases before XX/XX/XXXX and the other credit card had a 1.99 % promotional APR on any new purchases before XX/XX/XXXX. Upon making the purchases I called XXXX customer service to apply the promotional offers. The representative said it would be applied and to call back in a couple weeks for verification. When I called back I was told that there were no notes referencing to me waiting to use the promotional offer. At the moment I requested to file a dispute. I was told my account will be reviewed by management ( CASE ID : XXXX ) and I should hear back from them. I had not received any phone call or mail. I called customer service back today XX/XX/XXXX I spoke with XXXX now im being told there is not an offer for that on my account as of today and that they can't go back to XXXX to see what the offer was and also she mentions that they never give promotions of a 0 % APR ( this is untrue ). I demanded the dispute department. They gave me the XXXX - XXXX Dispute Department I spoke with XXXX. she said I had the wrong department and suggested that I called customer service for assistance to the matter. I demand a phone number to file a dispute against the company. XXXX puts me on hold and later the phone hangs up and no one has called me back.
Product: Student loan

My student loans are being managed by FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency. ) I am currently repaying my loans via the Income Based Repayment plan under which the payment due date was preset by FedLoan Servicing ( unbeknownst to me ). I have attempted to change my due date twice over the past 6 months and have been denied under the grounds that a borrower under the Income Driven Repayment Plan can not request a new due date until they re-certify the following year. I have been unable to find this stated anywhere on the FedLoan Servicing website, nor was it stated in the document that was sent to me titled " Information Regarding Your Student Loan. '' I have requested on multiple occasions via telephone that the information regarding the denial of due date change based on my current payment plan be provided in writing, but FedLoan Servicing has failed to provide this to me in a timely manner. I am due to re-certify my loans next month, and I am not confident in FedLoan Service 's ability to complete my application and request for a new due date properly. Below is the information from the Frequently asked question section of the FedLoan Servicing Website regarding the question " Can I change my due date? '' -- As the FedLoan website states " You can change your due date if your account is not past due. However, we can not change your due date before you make at least one payment toward your loans. If you are entering repayment for the first time, please make your first payment as scheduled before requesting a new due date. '' -- - I feel that FedLoan Servicing is misleading its borrowers and I request that they provide me with all the necessary supporting information and obvious limitations of the Income Driven Plan that I am currently enrolled in.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 Applied for a {$28000.00} one-year loan for house repair through GreenSky. Even though outstanding credit report rating XXXX and perfect payback history, GreenSky would only approve {$3500.00} and would not say why given credit history and rating. Asked them if we were being discriminated against given our ages, they would not respond, but just only approve small amount, which was just over 10 % of the amount need. 
XX/XX/2022, Received in XXXX XXXX mail letter from GreenSky that they 'Post Dated ' XX/XX/2022 -- see attached -- where they said 'to call or write to received specific reasons as to why they did not approve credit limit increase. ' Plus, they wrote 'they will provide a statement of reasons within 30 days of receiving this request. ' XX/XX/2022 called Greensky 's XXXX line per their letter and was told they would not comply with the letter as they don't give out that information. I repeatedly read them, 'their letter, ' but they would not comply with the document and give me any information or the statement promised. Said they would escalate to XXXX. 
XX/XX/2022 : someone claiming to be from Greensky called but would not identify themselves and their function. They and started asking for personal information -- such as birthday, which I refused, and they would Not say why they were calling or give their first name. They hung up. 
XX/XX/2022 : I called the GreenSky XXXX number again and talked to XXXX in Customer dept., who refused to honor the letter from Greensky and provide information as to reason for the credit limit and provide a statement. She repeated ignored what was in the company letter. Her refusal to cooperate and fixation with requesting my date of birth, which should not matter, clearly showed this was an age discrimination matter. 
XX/XX/2022 : Received in the XXXX XXXX mail a letter dated XXXX XXXX, 2022, from GreenSky acknowledging the complaint, but saying we were not responding. This is a lie. If it was they, GreenSky, who called on XX/XX/2022 they should have not asked for personal information without confirming it was them returning my call and giving a first name. The XX/XX/2022 letter ignores my contacting them and their failure to provide the information promised in their letter. 
I have the phone records of when I called on my XXXX if needed.
Product: Debt collection

I was using 'XXXX '. I got a new provider and XXXX starts billing me with exorbitant bills suddenly generated by them.they asked me to return some equipment and I explained to them that I was XXXX and had no transportation. I told them to come and pick it up.they refused to do so. now I 'm getting called every day and today [ XXXX/XXXX/2015 ] they 've called XXXX already and it 's just XXXX o'clock.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to remove a 10-year-old account from XXXX XXXX. This was for a department store credit card that was closed over 10 years ago and paid in full. I went out of the country and when I returned, XXXX XXXX was showing an amount for {$100.00}, with fees totaling {$260.00}. 

XXXX XXXX is incorrectly reporting the account and I can not reach anyone. I have spent entire days on the phone to no avail. They never conduct any investigation and XXXX and XXXX refuse to remove it. 

When I speak to someone at XXXX XXXX XXXX XXXX, they forward me to XXXX  XXXX XXXX XXXX. When I reach someone and XXXX XXXX XXXX XXXX, they forward me to Citibank NA, who they say underwrote the closed credit card account. 

Between the 3 entities, none take responsibility for timely investigating this matter and they all refuse to remove it, along with XXXX  and XXXX.
Product: Credit card or prepaid card

I have had a few Fraud/ Disputes on my Discover card over the time I have had it just like anyone else. 

Discover does NOT want to deal with the fraud and they stall tactic ands till bill / rack up interest while they stall, I have fraud 2 years old STILL not resolved, this is unacceptable. 

Almost my entire balance is fraud or disputed, they stall stall stall then find the charge " Valid ''
Product: Debt collection

My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Design Receivable Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Design Receivable Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Design Receivable Solutions continues its collection efforts, I will file f
or litigation for actual damages caused and Design Receivable Solutions shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Debt collection

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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father has fraudulently filed for bankruptcy under my social security number in a different state. Experian claims that they " verified '' that the bankruptcy is mine after multiple disputes and sending  proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies. Experian is in multiple violations of the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have made numerous attempts requesting the validation of the debt. I have requested in writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 16 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.