23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX 2017 I contacted Wells Fargo corporate office by phone. Explain to the representative that I wanted to deposit my promissory note for a mortgage. The representative informed me that Wells Fargo does not accept promissory notes. I am formed Wells Fargo representative that it was against Universal commercial codes  law and also against the laws governing legal tender for a financial institution not to accept promissory notes from the public. This did not matter he proceeded to insist that Wells Fargo did not accept promissory notes implying that they do n't follow Universal Commercial Code laws which fall under the umbrella of Maritime admiralty law. I asked to speak to his supervisor he told me that someone would be in touch with me within 72 hours and he took my information down. So on XXXX XXXX 2017 a Wells Fargo representative by the name of XXXX XXXX call me back. He proceeded to inform me that Wells Fargo does not accept promissory notes but they produce their own promissory notes that the public has to accept. I am informed him of the laws governing promissory notes legal tender and the universal Commercial Code laws that apply he also insisted that they still do not accept promissory notes from the public again implying that Wells Fargo does not follow Universal Commercial Code laws. 
Here are references for the laws governing promissory notes ; Tender in terms of the Negotiable Instruments Act, 1881 : Public Law 73-10, Chapter 48, 48 Stat 112 ; U.C.C. Article 9 ; 31 U.S.C.
5118 ( d ) ( 2 ) ; 31 U.S.C. 463, Public Law 97-258 ; U.C.C. Article 4, 302 ; 12 U.S.C. 411 ; Securities Act 2 ( 1 ), 3 ( a ) ( 3 ) ; Congressional Statutes at large Title 62 ; Positive Law ; 31 U.S.C. 5312 ; U.C.C. 2- 304 ; 12 USC 1813 ( L ) ; Public Policy AND settlement in terms of the United States Supreme High Court of Justice Rule 45.
Product: Credit reporting, credit repair services, or other personal consumer reports

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I came across the CFPB EXPERIAN LAWSUIT I Believe that I was negatively impacted, Hurting my chances after receiving a response to my earlier dispute that this account was verified
Product: Credit reporting or other personal consumer reports

am a victim of identity theft and have enclosed a copy of my FTC identity theft report and a copy of my ID as proof of my identity. I am writing to request that you immediately block the following fraudulent information from my credit file, in accordance with Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). 

Upon obtaining a copy of my credit report, I identified accounts that do not correspond to any transactions I have made. This is not a regular dispute but a result of identity theft, as documented in my complaint with the Federal Trade Commission ( FTC ). 

Under the Fair and Accurate Credit Transactions Act ( FACTA ) and FCRA, I am requesting that the following fraudulent accounts be deleted and permanently blocked from my credit report : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX  Account Number : XXXX  Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
In accordance with the FCRA, I respectfully request that these accounts be blocked from my credit file within XXXX days of receiving this correspondence. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have been battling with these credit reporting agencies since XXXX  regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Complaint against 60 Day Credit Repair and XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against 60 Day Credit Repair and their associated debt collection company, XXXX XXXX XXXX for unfair and deceptive practices. 

Company Information : 60 Day Credit Repair Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Website : XXXX : XXXX Email : XXXX Details of the Complaint : XXXX. False Promises : I contacted 60 Day Credit Repair to help improve my credit score. They promised that my score would increase by XXXX points within 90 days, guaranteed. They charged me {$150.00} per month for their services. 

2. Failure to Deliver : After three months, my credit score had not increased by even XXXX points, far short of their guaranteed XXXX increase. 

XXXX. Lack of Communication : When I attempted to contact 60 Day Credit Repair about the lack of results, I was unable to reach anyone. My phone calls went unanswered. 

XXXX. Unauthorized Debt Collection : Months later, I began receiving emails and text messages from XXXX XXXX, claiming that I owed 60 Day Credit Repair {$1500.00}. 

XXXX. Contract Dispute : Upon contacting 60 Day Credit Repair, they claimed I was in a contract with them and still liable for the debt, despite their failure to provide the promised services. 

XXXX. Harassment : I am now being harassed daily with emails and text messages from XXXX XXXX for a debt related to services that were not provided as promised. 

I believe these actions constitute unfair and deceptive practices. I am requesting that the CFPB investigate both 60 Day Credit Repair and XXXX XXXX for their business practices, including : 1. Making false guarantees about credit score improvements 2. Charging for services not rendered 3. Failing to communicate with customers 4. Pursuing debt collection for services not provided 5. Harassing consumers through repeated contact I have informed 60 Day Credit Repair that I am filing this complaint with the CFPB. I am seeking a resolution that includes : 1. Cancellation of the alleged {$1500.00} debt 2. Refund of the fees I paid for services not rendered 3. Cessation of all debt collection activities related to this matter 4. Any other appropriate actions to prevent these companies from engaging in similar practices with other consumers Thank you for your attention to this matter. I look forward to your response and any guidance you can provide in resolving this issue. 

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

I spoke with two agents of chexsystems today at telephone number XXXX XX/XX/2021 and informed them that I wanted any information they had about me suppressed, they informed me XXXX XXXX id # XXXX and then the supervisor XXXX id # XXXX ( both located at a call center in XXXX ) that all they could do was opt me out from pre screened offers or place a security freeze on my account. I informed them that neither was sufficient. I have relayed the facts that I am personally uncomfortable with them having my personal information as well as sharing it, it's a matter of personal privacy. In 15 use 1681 ( a ) ( 4 ), it states that " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and a respect for the consumers right to privacy '' Chexsystems has told me that they violate my privacy on a continuous basis and will continue to do so without my permission.
Product: Money transfer, virtual currency, or money service

I sold a {$1400.00} collectible via PayPal.com, paying the PayPal Goods & Services fee for built-in protection and to avail of their claims process if needed. 

A buyer attempted to scam me by claiming the item arrived damaged. USPS investigated, and determined this not to be the case, refusing my insurance coverage as well. Then, they claimed to have already returned the item ( they did not ). 

PayPal granted their claim despite the USPS investigation, conflicting stories from the seller, and the fact that I did not recieve the damaged item back nor any documentation of the damage. 

PayPal failed to respond to numerous contact attempts, repeated appeals and apparently did not review the evidence at all despite my paying for this service. Instead, they allowed an obvious scam to go unpunished.
Product: Student loan

XX/XX/2020 XX/XX/2020 called nelnet, the department of education and Great Lakes nelnet shows on my credit report as derogatory but it is old and it has been rehabilitated but it still appears on my credit report no one could help to remove it they just keep saying to call different places
Product: Debt collection

I AM TRYING TO SEE MY FULL CREDIT REPORT. I CHECKED A MONTH AGO IT WAS SOMETHING ON MY REPORT THAT I NEVER HEARD OF. NOW IT 'S JUST SAYING XXXX AND XXXX ACCOUNT BALANCE {$190.00}.
Product: Checking or savings account

I made a purchase with the company, " XXXX XXXX XXXX XXXX '' on XX/XX/year> for {$4400.00}. My shipment ended up getting intercepted by the XXXX, XXXX, and they returned it to the sender XXXX XXXX XXXX XXXX XXXX XXXX due to damage on the parcel on XX/XX/XXXX. This is what I was told by XXXX, I didn't have a chance to see the package for myself unfortunately. I alerted the merchant about this and was told to standby until the delivery was confirmed back to their facility. Once it was confirmed on the tracking information that it was returned on XX/XX/XXXX, I immediately contacted them once again but was told that they still hadn't received it and they would look into it with the XXXX. I called periodically for close to 2 months but the merchant still claimed that they never received the package back even though XXXX was claiming otherwise. It was at this point in time that I chose to open a dispute with my bank since I was nearing the end of my timeframe to dispute. I called the Wells Fargo customer service line on XX/XX/XXXX and explained my situation while also providing the tracking number which shows exactly what happened to the representative and they opened the case. Soon enough though I receive a letter telling me that my case was denied without giving a specific reason. I contacted Wells Fargo 's claim center requesting further information. They let me know that the reason that it was denied which led me to realize that my case was misrepresented. The representative I spoke with originally got my story wrong. They said that it was listed that I had received the product and returned it on my accord so the merchant wasn't responsible for what happened to the return parcel. This was not the case. I never received the parcel, it was intercepted by XXXX due to damage and returned to the sender before it could actually reach my doorstep. I had no power over this decision. The representative also marked my tracking number as the tracking number for a return parcel when that wasn't the case. This obviously confused things even further. My case is a case of never receiving my merchandise. I explained this all once again to a new claim specialist. They understood my case and requested that I get further documentation from XXXX so that they could reopen the case. I contacted UPS and received written confirmation from them of the return which I then promptly provided to Wells Fargo. My case was reopened but then I was told that it was too late for them to bring this case to XXXX and that there was nothing that they could do. That's when I opened a complaint considering that this wasn't my fault. I properly described my case and provided the necessary the evidence which told the whole story. It's not my fault that a careless representative misrepresented my case causing it to fall apart. The response to my complaint echoed the past sentiment, they couldn't bring the case to XXXX anymore so there is nothing that they can do. I requested a call back from the agent who worked on this 4 times over the course of XXXX weeks and they never called me back.
Product: Student loan

I initially called several months ago to ensure that I was on the SAVE plan and to have my loans put into repayment so that interest would not accrue. I have called 3 times since then to confirm that I am on the SAVE plan and that interest is not accruing as I keep seeing interest applied to my account. Every time I call them I get a different answer. Right now my loans are no longer in repayment, and I did not authorize this. Today on XX/XX/XXXX I have spent 4 hours on hold and when I do get a real person the line disconnects in the middle of the call. One thing the representative did tell me is that there is a problem on Mohelas side with loans being kicked out of repayment and back into deferment or forbearance, thus not qualifying for the SAVE plan, allowing interest to accrue. 

I have also sent several messages through my portal which take weeks to receive a response and often the response is like this one from XX/XX/XXXX : MOHELA 's Response : Thank you for contacting MOHELA, Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX. CT. 

Thank you, MOHELA '' Yet my questions are never answered and the interest continues to grow. At this point I have spent days on hold with Mohela, when I should be working on my job applications. This is an unacceptable use of government programs.
Product: Credit card or prepaid card

I have an XXXX XXXX AAdvantage credit card issued by Citi. I've received an annual membership fee. I do not use the card so I try to cancel. Citi can not find my account even though I clearly can log on and see the bill due. They say they can not help me. I do not want to perpetually pay off this fee, I received an unusual activity statement from XXXX 's credit monitoring tool which alerted me to the fee. If I do not pay this fee it will likely effect my credit. I've attached the statement.
Product: Money transfer, virtual currency, or money service

Reached out to the general sales manager at motorwerks informing whom it may concern that I am disappointed to learn that as a consumer Ive been violated in many ways. Any consumer credit transaction that involves a finance charge, we as consumers, have the right to rescind.15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind. My contract does not state right to rescind it in fact states no cooling off period and I was not disclosed this information during this transaction which is a violation of my consumer rights. Fact, the Truth in Lending Act ( TILA ) is a federal law that is apart of the Consumer Credit Protection Act. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. A down payment is in fact another violation. XXXX XXXX collected {$8000.00} in cash as a down payment. The whole contract and arbitration agreement is fraud because for one my insurance was not included in the finance charge and two you cant finance and do a cash transaction at the same time its either one or the other. There are no statue of limitations on fraud so I am hereby rescinding this transaction. I would love to give this company the chance to right this wrong before further action.
Product: Debt collection

I got a phone from XXXX XXXX I was quoted 1 amount for the monthly bill and received a bill for a different amount I was given 30 days to return all items which I did on or around XX/XX/XXXX. I got the phone on or around XXXX XXXX. The woman I spoke to called me on or about XXXX XXXX and informed me that they received their items and I owed nothing. Now today XX/XX/XXXX from AmSher Collection Services Inc. that they're attempting to collect a debt of {$160.00} for XXXXXXXX  for a debt from XXXX XXXX. 
I called XXXX and spoke to a representative who stated that since I no longer have an account she couldn't help me and I'd have to go to a XXXX  store. I am also a XXXX XXXX XXXX veteran and live on a fixed VA XXXX income only
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Transunion Gentlemen : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.
Product: Credit card or prepaid card

While travelling in XXXX on XX/XX/2022 I received a notification from the Citi app on my phone alerting me of potential fraud. The card in question was not on my person in XXXX -- I had left it at home because I never use it. 

There were 4 charges at 4 different vendors in XXXX and XXXX XXXX, Oregon. XXXX  XXXX for {$36.00}, XXXX XXXX for {$39.00}, XXXX & XXXX for {$82.00}, and XXXX XXXX for {$180.00}. 

I marked the charges as fraudulent and cancelled the card. I also called a friend to go to my apartment in XXXX and check that my apartment hadn't been broken into and the card stolen. There was no break in. 

Weeks later I saw that the charges still had not been refunded and that an investigation was still underway. On XX/XX/XXXX I called Citi to reach the fraud department. I was asked questions about what had happened and I explained the above situation to them. On XX/XX/XXXX I received a letter in the mail marked XX/XX/XXXX from Citi stating that they did not consider the charges to be fraudulent and that I was now liable for {$340.00}, and threatening that if I am past due that they may report my account to credit collectors. I have had this card open for years and have never even been late on a payment.
Product: Student loan

Given that the moratorium on student loan payments is about to expire, I've tried to contact my servicer ( Myfedloan ) several times to figure out my payment amount and recertify my income. I sent a message on the portal XX/XX/21 to no response. I've contacted them via telephone twice, waited on hold for XXXX minutes, finally gave up and selected the " receive a call back from us without losing your place in line '' and never got a call back. I just want to know how much I'm going to be paying come XXXX. 

As a side note, they've also recalculated my PSLF payments wrong and added an extra year onto the number of payments I owe. I've tried to correct this on several occasions, but no one can seem to figure it out and I've just accepted at this point that I'll likely be making 11 years of payments for forgiveness because I can't get any help on straightening this issue out.