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

please delete the following accounts and inquiries. I tried to fixed it so many times. but I never recieved any response from you please delete them all now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, Transunion, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit card

I have been a consumer with Capital one since XX/XX/2014. For about 4 months I have been working hard on rebuilding my credit. I have dispute with Capital one about late payments on my XXXX accounts. I have spoke with reps and corporate office. I have pull all XXXX credit files and they are all showing different late payments. To be told they are reporting correct information.
Product: Debt collection

I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Product: Credit card or prepaid card

I scheduled a payment to be made on XX/XX/2022. But it was credited only today even though the status is shown as processed on their website BANK OF AMERICA - PERSONAL CARD BankAmericard Power Rewards Vi XXXX {$300.00} XXXX XXXX XXXX XXXX Processed XXXX # XXXX ========================== Collapse transaction for Transaction date : XX/XX/2022 BA ELECTRONIC PAYMENT XX/XX/2022 Collapse transaction for Transaction date : XX/XX/2022 BA ELECTRONIC PAYMENT Transaction date : XX/XX/2022 Card type : XXXX Transaction type : Payments Reference number : XXXX Merchant Name : get more information about merchant name change BA ELECTRONIC PAYMENT Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Purchase : N Type Payment - {$300.00} {$8500.00}
Product: Debt collection

I have a judgement against me for around {$23000.00} for a loan that I took around 16 or 17 years ago for {$10000.00}. In an effort to help me my son tried to settle the debt with the attorney XXXX XXXX, XXXX XXXX is trying to collect this debt on behalf of XXXX XXXX XXXX XXXX, XXXX. I was unaware of this contact and never gave XXXX XXXX, any agent or representation of XXXX XXXX to speak with any of my family members or anyone else regarding my debt. I did not know my son was doing this and he did it because my Daughter has been threatened by XXXX that she is responsible for the debt and that he was going to sue her for fraud. During his multiple conversations ( at least 4 phone calls and multiple emails ) with my son he doubled down on those threats saying that he would collect this debt from either me or my daughter while sharing information on my debts and judgements. My son made 2 offers to settle this debt for {$2500.00} and then {$5000.00} to XXXX XXXX on behalf of XXXX XXXX XXXX and they declined in writing to even propose a counter offer. He is now trying to subpoena personal records for my Daughter and continues to harass her even though she is not signatory on any loan I have ever taken nor does she have any judgements against her. My daughter worked for my XXXX   XXXX business at the time of the original loan and XXXX claims that since it said father daughter run business on my website in recent years that makes her responsible for this debt. My daughter has sent him a cease and desist and he continues to harass her with threats and now court filings to obtain her personal information. I am on Social Security and they have tried to garnish my bank accounts on multiple occasions. XXXX has also threatened to continue racking up legal costs with continued court filings which never seems to end.
Product: Debt collection

Im a victim of identity theft. I filed for a POLICE REPORT, FTC report and complained to the better business bureau as well as CFPB. I sent my documents to XXXX XXXX XXXX and they have not responded. 

I will be taking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST
Product: Student loan

I requested for the School Misconduct Form/Borrower 's Defense Form . I have private student loans from when I attended XXXX XXXX XXXX XXXX XXXX. The school did defraud me with both my federal and private student loans.
Product: Mortgage

Wells Fargo response still does n't address my mortgage delinquency. This lender is not trust worthy or ethical and they tried to illegally foreclose on my property and I caught them. I have been trying to get Wells Fargo to do the right thing since XXXX 2015 asking them for a loan modification. They will absolutely not do it and have denied me and my family 6 times. My property has a good amount of equity and Wells Fargo continues to play serious hard ball denying me on every turn I take to get mortgage assistance. This huge bank is just not in the business of helping certain home owners. They want me to take all the responsibility for {$49000.00} behind payments. I would not be behind this far if Wells Fargo simply did n't lie during all the loan reviews and would just start taking payments to stop the bleeding. They continue to refuse me paying toward my mortgage. I signed a promissory to pay back what I borrowed even if I am delinquent. If Wells Fargo continue to deny my loan mod request then why do n't they at least allow me to make payments to keep the balance down. Wells Fargo wants to keep the fees and balance growing so its nearly impossible for me to ever catch up. I have been very transparent with Wells Fargo but their reps continue to ignore me and laugh in my face. The are the most brutal lender I have ever seen to work with. My last denial said I made enough and could afford the payment. Yes I can afford the payment so therefore I deserve the right to stay in my home with my family. My wife and I have a XXXX XXXX XXXX girl for XXXX 's sake!! We do not have the ability to come up with the $ XXXX over night. My wife and I had some terrible family hardship, loosing a child, that led to the delinquency. How can any normal lender with compassion not wan na help a family who lost a child. Do they believe in XXXX karma and have a conscious? I need some type of plan or assistance from Wells Fargo. But they wo n't do it because they want my equity in my house through foreclosure. They will not say this but its true. If my home was under water in a bad market, a loan modification would be granted immediately. Wells Fargo has fought me tooth and nail like a heavy weight fighter. I just recently sent over my appeal request with a change in income circumstances. I have a new job with XXXX XXXX and I 'm eager to start making payments. I am hoping this appeal will get me a loan modification approval and a trail payment plan. I would like a phone call from the CEO or the head of mortgage lending to resolve this delinquency ASAP. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a couple of errors removed on my credit report with Experian. One of the accounts are showing its in collections.Experian Report number # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .... It is still showing it was in collections which this account was never in collections and this account was paid on time. On XX/XX/2018 I went down to the XXXX XXXX XXXX XXXX to dispute this and they found out there was a error on there part. I have asked them to remove the collections from my account and they said there's nothing they can do about it and that I have to dispute it with Experian. I asked the lady if they can give me a copy of there mistake to give to Experian for them to remove it off my credit report and they told me that they can not give me that information. I have been disputing this for over two years with Experian. This is the 5th time I have contacted Experian and they have failed to delete the collections on this account and turn it into a positive. Experian has said that they have looked into, but never received any information to prove it was in collections. It has been two years disputing this and its Clearly violation of Section 611 ( 5 ) ( A ) and continue to show their blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more then merely parroting information received from other sources.That 's all Experian has been doing the past couple of years and its against the law and clearly in violation of 1681 ( a ) ( 4 ) I asked Experian to give me the name of the person in their company who verified the accuracy of the account, but Experian ignored this request as well which is another violation of Federal Law! The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if Experian fail to comply with Federal Law. I  want Experian to know if we go to litigation and their company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that Experian used to verify the dispute account.So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- Experian is required to " promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure are already aware of. 

Delete the negative collection on this account : XXXX XXXX XXXX XXXX XXXX # XXXX ....
Product: Credit card or prepaid card

I am a senior that was required to apply for a Direct express debit card in order to receive my XXXX payments. This card is supposed to be available for use at any ATM or bank that has a MasterCard logo. I prefer to use the Bank teller for transaction but I have found that after one or two visit l would be redrected from the bank to a atm machine. These atm machines only dispense {$20.00} bills which is a problem if you need {$XXXX}. So I looked at the back of the card and found that the bank that does business with Direct express is the comerica bank. I started going there and was helped inside the bank by teller until XX/XX/19. When i was directed outside again. The ATM made me withdraw two times and I was forced to receive XXXX XXXX dollar bills. Counting that amount of XXXX XXXX in the street is dangerous because you're always looking over your shoulder and you lose count so the machine can short change. 
a person. I was prompted to go outside to this absurdity again on XX/XX/19 and again on XX/XX/19. So i went into the bank a bit perturbed and request in the XXXX exchange for XXXX. When I asked why i always had to go outside to the ATM, The teller dismisses my questions with a XXXX ' I shall not address this issue with you. ' so I asked her if it was an absurd to have all these {$20.00} bills handed to me outside in the ATM. The Teller replied again 'I will not address this issue with you ' She asked me how much i handed her and my reply was that i didnt know and that she should count it. She replied it's my job to count money. I respondedThen do your job. she became bitter and said she would not help me anymore and pushed the XXXX XXXX back to me. I had to find a manager who at least exchanged the bills but refused to give me his or the tellers name. I received a card but it was not whom i dealt with. The card was for a -person named. XXXX XXXX. Assistance banking center manager her phone number is XXXX XXXX - XXXX. I wrote her an email as well as a text message and have not heard from her. I called the social security administration and was informed that all banks that have a MasterCard logo are suppose to allow me excess to the ATM or teller
Product: Student loan

The website does not include all payments made towards the student loan. A {$6000.00} + payment was made from an offset of my taxes. 
When I bring up the payment information online that is omitted. The company also states they sent me a {$240.00} refund which I never received. 
My account is that Navient owes me approximately {$11000.00} and I have not received any refunds.
Product: Credit reporting or other personal consumer reports

Both XXXX and Equifax significantly dropped my credit score without providing reasons for the change. Both websites would not give me an updated report to show the reason for the credit score decrease. XXXX also did did not change my credit score as well after reporting that a negative collection was removed from my profile. They did not provide me with an updated credit report as well.
Product: Money transfer, virtual currency, or money service

I bought an automotive part online. Paid with Paypal. Two weeks later I received nothing. 

I called paypal. They refused their last name. They claimed her first name XXXX employee # XXXX and XXXX employee # XXXX. They did nothing to help me. The refused to look at the tracking. Package was shipped to a different address than my order. No refund. No help.
Product: Student loan

Yesterday I received a notice from Aidvantage stating that my student loan payments will resume on XX/XX/2022 but the moratorium on student loan payments is until XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I started a cryptocurrency account with Binance.US in XXXX making an ACH transfer for XXXX dollars total. My bank rejected the transfer causing a chargeback. I immediately fixed the chargeback adding XXXX dollars via debit and XXXX via XXXX making my balance XXXX dollars. Binance XXXX my account and is now holding my assets. I have been trying to access my assets for 2-3 months now but there is no support number. I emailed binance but they refuse to restore access to my account saying yes my chargeback back were paid but they cant allow me to withdraw or trade my assets unless i send them my bank statement, Account Number, Driver License My account is fully verified and i dont owe them any money. Giving them my Bank statement, account number, driver license make me vulnerable to Identify Theft. If my account is paid no chargebacks owed and i went through the verification process why are my assets inaccessible?
Product: Credit card or prepaid card

I receive my ssdi XXXX benefits on a government card issued by Direct xpress on behalf of social security. On XX/XX/XXXX i noticed my account was low and called direct xpress. The sum of approximately XXXX dollars and some cents was charged on XX/XX/2022 in texas. I did not authorize this charge and was never in texas. I immediately filed a fraud complaint number XXXX with direct xpress/comericabank. It took me a wait time of 2 hours on hold to get in contact with them. They were supposed to send me a fraud complaint form and xpress a new card. I have called direct xpress countless times and been on hold for hours to try to resolve this issue. 
As of the writing of this report i havent received anything. No card and no form I also asked for a provisional credit. No new card. No credit. I am broke with no food or money for meds.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over drafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

Hello, I've sent in my PSLF forgiveness application to FedLoan Services BEFORE THE XXXX DEADLINE FOR PROCESSING. I have called countless times and spent hours and hours on hold for update and information. I have even missed days of work trying to get this resolved. After spending hours on hold one day months ago, I had a representative by the name of XXXX who spend hours on the phone with me and reviewed EVERY LAST ONE OF MY APPLICATIONS and stated " THAT ALL FIVE OF MY NEW APPLICATIONS SENT WERE CORRECTLY FILLED OUT. '' She stated " she saw the initial fax cut some things out but also see where I resent the information in correctly BEFORE THE INITIAL DEADLINE BEFORE TRANSFER TO XXXX. '' She also stated " THAT SHE HAD EMAILED MY INFORMATION WITH CODE NUMBERS TO HAVE A SUPERVISOR MANUALLY REVIEW AND PROCESS MY APPLICATIONS FOR REVIEW AS IT DID NOT DESERVE A TRANSFER TO XXXX. '' She states " that the requirement for a manual review is 6 weeks and I should hear something via mail when my applications were processed. She also informed me that " the computers were misreading PSLF applications and many correct forms were being ignored and misread. '' Tearfully, I thanked her dearly! XXXX informed me that I would hear of my loan dismissal in the mail after about 6 weeks as that was the current review time for manual review request. IT'S BEEN MONTHS AND I HAVE NOT. I AM ALSO GIVEN UNDESCRIBABLE RUNAROUND IN TAKING CARE OF THIS MATTER. 

I have called and called to no avail for an update and finally got someone who states my paperwork was received but transferred to XXXX. I called XXXX and XXXX states that my loans have not been transferred and are actually showing still on hold through FedLoan Servicing. I called FedLoan Services and told them XXXX said my loans are not transferred and are still currently being held by FedLoan. FedLoan Servicing then states " they see my applications for PSLF and I should here something. '' I HAVE BEEN DOING THIS FOR MONTHS. I MEET ALL REQUIREMENTS FOR LOAN FORGIVENESS AND CONTINUE TO GET THE RUN AROUND. 

PLEASE HELP ME! 

THANKS SO MUCH, XXXX
Product: Checking or savings account

I have been a loyal wellsfargo customer since XXXX and there have been more than a handful of times threw out the years I have been charged fees for not sign my card a certain amount of times threw out the months also Ive been charged multiple over draft fees even if I went the same day to the bank I over-drafted to replace the money and when I would call to despite it with the bank over the phone they would say there was no way to help me out I can not provide dates but its happened so many times threw out the years between XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the  representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Product: Debt collection

This is my first complaint against Capital One Auto Finance. I have been disputing this account for over a year now. Capital One has ignored my request to provide me with all documentation in their possession pertaining to this account. I have sent two request to them via certified mail and have never received a response. I need these documents because I strongly believe that Capital One Auto Finance is in violation of multiple laws and I honestly feel that's why they haven't provided the information. So at this point I don't know why they are still reporting this account to my credit reports when its clear they don't have the proof. Oh, here is my tracking number # XXXX