23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had XXXX in CD  at my credit union that I opened up on XX/XX/XXXX for a term of three years. I was so busy this past month that I forgot about the cd is maturing on XX/XX/XXXX. The credit union didn't send me a reminder that my cd is maturing. They automatically renewed my cd for a term of three years at 3.2 %. When I tried to change the term of the cd to a shorter period, the credit union said they'll penalize me with 180 days worth of interest or about {$3800.00}. Is that legal? Other banks or credit unions will forfeit the interest from the the time the cd was opened to the time the term of the cd is changed. Please help. Thank you.
Product: Debt collection

WFC said they would delete from credit but it still on all 3 reports. Needing to be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX General Counsel, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Formal Dispute regarding inaccurate information on my credit report. 

Dear XXXX, I am writing to formally dispute in accurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer financial protection bureau filed the lawsuit against XXXX, for it failure to properly investigate, consumers, disputes, citing Sham investigations and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting in adequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and in accurate information without explanation. 
Fail to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute, may be handled in a similar manner. 
Please review the inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX 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 Late Payment XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act this Creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 's 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, credit repair services, or other personal consumer reports

The credit bureaus Equifax, XXXX XXXX and XXXX are incorrectly reporting my credit card usage from XXXX ( 2 years ago ). It is now XXXX and This needs to be fixed immediately as the card has been paid down significantly and XXXX about to pay it off again I have Complained on Equifax to the CFPB back in XXXX for incorrectly reporting my information and nothing has been done about it. This is negatively impacting my life!
Product: Checking or savings account

I'm dealing with wells fargo bank since 4 years what's happening with them since few months ago and these days speciffecly is after i tried to purchase for a fly ticket it shows on my checking account that the is gone it doesn't appear anymore but it didn't show as payement submitted or in the account activity i cancelled a fly ticket in the same day which means that if they took the payement they will refund or if it's on hold it should show up in my checking account, i called my bank i have the payement history i have screen shots showing the card i used to pay, the agents seem like they don't know they put me on hold and the cut the call the amount was XXXX $ on XX/XX/XXXX XXXX another amount of XXXX $ on XX/XX/2021 for Business funding solution
Product: Debt or credit management

I tried to tell this company that I never opened an loan from paypal and never understood where this loan came from and why it's in my name. Midland credit management is trying to make me pay for something that's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Offered me an agreement for XXXX service for me, then said add my wife and we will give you the XXXX and your wife free if she signs up too. So I did, but they started taking out 2 payments of XXXX, in XX/XX/2019 and my wife never caught it because of health issues and I'm gone on the road ( XX/XX/XXXX ). Tried to talk to them and said that they would only give me XXXX back on the more than 600.00 they took. Can't afford losing that much. Tried to talk to another person a hour after and they said computer was down. This all happened XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. # XXXX, and AARGON AGENCY # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have not given either of these debt collection companies written instructions to fur
nish any accounts and as such they are violating my right to privacy.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased an HP desktop computer on walmart.com using my Capital One credit card ending in XXXX for an amount of {$860.00}. The item was NOT delivered, and I did NOT receive it. So I first tried to resolve the issue unsuccessfully through walmart.com. Then I filed a dispute through Capital One and received a temporary credit. On XX/XX/2020, however, Capital One put the charges back on my account and they are now asking me to pay for a product I DID NOT receive. This is wrong, and I need your help, PLEASE!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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: Money transfer, virtual currency, or money service

It's been about 19 months ago that my wallet had gotten stolen and immediately contacted Wells Fargo customer service for help and explained the situation and they said they would do an investigation and they contacted me weeks later, stating that they could replace the funds. Again I explained that my wallet was stolen with all my information in it, and they apologized. Better never refunded money. Then about 8 months later they called and asked would I like to refile a claim. At that point I was frustrated and declined the offer. Also the account was closed due to lost funds.
Product: Debt collection

Company called me numerous times to collect on debt when I had reached out previously to make payment arrangements, didnt honor payment arrangement previously made, failed to adhere to revocation of ACH debits/initiation of auto charges to cards on file that were previously supposed to be removed and written requests to stop the initiation. Illegally continued attempts to auto debit all cards on file and initiate ACH drafts to an account that was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list
Product: Credit reporting

I have called TransUnion several times to have them remove unauthorized inquiries from my credit report. I have a right to dispute and have removed any unauthorized information from my credit report. XXXX and another rep stated that they do n't dispute inquiries and asked that I call the company who placed the inquiries on my credit. I have been unable to identify who these companies are and the ones who I was able to successful reached stated that I need to contact the credit bureau directly. XXXX, XXXX, XXXX, XXXX. Please remove thses unauthorized inquiries.
Product: Mortgage

I am writing to formally file a complaint against Shellpoint Mortgage Servicing and their third-party representatives for engaging in deceptive and unfair practices in handling my mortgage forbearance request. 

In XX/XX/2023, I requested a mortgage forbearance due to a family medical emergency. My wife was XXXX  XXXX XXXX and underwent a XXXX XXXX Since then, I have made every effort to keep Shellpoint informed about our situation, maintaining frequent communication to ensure they were fully aware of our circumstances. However, throughout this process, I found their communication to be inconsistent, disjointed, and often frustrating. 

Now that the forbearance period has ended, I am seeking options to retain my home and safeguard my familys well-being. Unfortunately, despite my consistent efforts to resolve the matter, Shellpoint has provided little assistance. They have offered no meaningful solutions other than requiring me to cure the full amount of the default. 

I have also recently discovered that Shellpoint has been sending letters falsely stating they were unable to contact me. This tactic appears to be a way for them to document misleading claims that could be used against me in the future. I want to make it clear that I have remained in constant communication with them throughout this entire process. I request that all phone call records and any other forms of communication between Shellpoint and me be made available as evidence to substantiate my claim. 

I believe Shellpoint, along with their private investors, may be working together to unjustly foreclose on my home. These actions are deceitful, and I believe they are deliberately attempting to strip my family of our most valuable possession, our home, which has been our only source of stability since my wifes diagnosis. 

I am prepared to do whatever it takes to retain my property and seek a fair and equitable resolution. I am requesting your assistance in ensuring that Shellpoint Mortgage Servicing provides an honest, transparent, and just process moving forward, rather than relying on scare tactics and dismissive treatment. 

Thank you for your attention to this matter. I look forward to your guidance and support in securing a resolution that protects my familys rights and our home. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a paycheck protection loan from Bank of America. The refused to process my repeated request for loan forgiveness or to appeal the full loan amount. I have fully paid back the loan and received several letters stating the government has forgiven the full loan amount, but Bank of America refuses to reimbursement for the several thousand I have pain back already. Everyone I contact them ( repeatedly for years now ) they act as if they have no information regarding my loan. Every time I have to repeatedly contact them escalate the issue and there is always a new reason why they wont reimburse me. These banks received insane amounts of money from the govt for these PPE loans and they just keep bullying and stealing from the small businesses they were supposed to protect. Please help me get this resolved i am under financial hardship and could Lose my business.
Product: Credit reporting or other personal consumer reports

In XXXX I noticed I had collection accounts on my credit report, I immediately notified all 3 major credit companies. I advised them these are not my accounts. I provided all required documentation to experian and till this date they have not corrected my credit report. They are giving me the run around and it's been more than 45days
Product: Credit card

I am receiving calls at least XXXX times a day/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter and I bought a used XXXX XXXX and financed it through XXXX XXXX XXXX. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!
Product: Credit reporting or other personal consumer reports

ACCOUNT ; Creditor : XXXX  Number # XXXX In Accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my XXXXights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant dispute with Experian Credit Reports since XX/XX/2020. ( Attached are the certified mail for each correspondence since then ) They are showing 3 bankruptcies on my credit report that they claim they are getting from a third party  XXXX XXXX.I reached out to XXXX  XXXX and they did have these three bankruptcies in their data base and it was removed from their data base on XX/XX/2020 as they could not verify these were mine ( because they are not ). XXXX XXXX told me that they will be sending out a dispute letter to Experian and the other two bureaus to remove the bankruptcies as they are not mine. The other two bureaus removed the bankruptcies but Experian claims they are still verifying this through XXXX XXXX I have been in contact with XXXX  XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 and today XX/XX/2020 and they are claiming they have not verified these bankruptcies because there is not way to verify something that is not in their system. I sent Experian my resolution letter that XXXX XXXX sent me on XX/XX/2020 and they received it on XX/XX/2020 showing the items were removed from my report but they informed me that this information was not good enough to remove the bankruptcies because they need to send in another dispute with XXXX XXXX XXXXeel that i have done my due diligence in trying to get a solution with Experian.I am asking your help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting a debt on my account that I do not owe. They are claiming I owe a balance for XXXX XXXX XXXX unreturned equipment. I sent the equipment back! I have attached the ticket below stating that the equipment has been returned. I owe nothing to XXXX XXXX XXXX and they need to remove this.
Product: Checking or savings account

On XX/XX/XXXX a banking account was opend with USAA bank. I was unaware of this incident until about a week later I received a debit card from the bank. I called them immediately and reported the account as fraud. They had me verify my information and stated the account was in fact opened on the XXXX however they saw suspicious information. They assured me they would be forwarding it to there fraud department. 2 weeks later I have received no update from than and instead I have recieved statements that I am being charged over draft fees for a total amount of 1,200. I called immediately today but the department is closed until XXXX.
Product: Debt collection

Credit Collection Services, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has started sending me fake debt collection notices, claiming I owe a debt to XXXX. They have threatened to put a judgement against me if I do not pay it. I know it is not my debt, but I spoke to an XXXX Representative to confirm there were no mistakes on my account. She confirmed that this was not my debt, and that XXXX XXXX never even uses that collection company. Further, she said even when accounts are delinquent, all attempts to collect debts are done directly through XXXX XXXX, with their own letterhead. So Credit Collection Services is FALSELY stating that they are trying to collect a debt from XXXX XXXX. This can not even be something that has become " mixed up '', or something ancient. I only had an XXXX XXXX account for 6 months last year, and the house I lived in for the last 18 years prior, does not even have gas. No one in my family has an XXXX XXXX account. This is clearly a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have served my country for the last 30 years as a XXXX  military XXXX and a XXXX XXXX XXXX and XXXX. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history. 

Score Change My score dropped nearly XXXX points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing inquiries that I did not approve of
Product: Credit reporting or other personal consumer reports

Mariner finance and XXXX XXXX allowed individual ( s ) # to open an account ( s ) without providing authentic identification documents proving that this debt is issued to the correct person ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX XXXX {$52000.00}