23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They didnt accurately answer my request about validating this debt they claimed I had with the them. They sent me a simple bill that anyone can create at their house so of course in todays day and age I will question it. I asked for proof, anything they had bearing my signature. They couldnt provide anything. They couldnt provide any proof that they even owned this debt they claimed I owed them. They re-aged the Date of last activity with the bureaus so that my account would take longer to fall off. I checked my credit report today and realized they havent even noted that the account is in dispute. I feel as if I am in a corner with no other options left.
Product: Debt collection

I received a call from XXXX XXXX XXXX XXXX, regarding a student loan that is owed by my daughter. The collector was screaming at me, telling me I am a loser and I should have never procreated children if they ca n't pay their bills. That my children are clearly losers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On both XX/XX/19 and XX/XX/19, mailed certified letters to XXXX at XXXX XXXX   XXXX XXXX, TX XXXX disputing two accounts that are on my XXXX  and Equifax credit report.When I disputed with XXXX  those companies were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. XXXX  did not provide me proof of validation. On XX/XX/19 I mailed a certified letter to XXXX XXXX   at XXXX XXXX XXXX XXXX, TX XXXX and still have not received a response. Please see the above information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Amount reported : {$610.00} Company Name : Acceptance Now Partial Account # : XXXX Amount reported : {$620.00} Social Security # XXXX
Product: Vehicle loan or lease

I purchased my vehicle from XXXX XXXX XXXX and signed the loan contract XX/XX/XXXX. The terms of the contract are 54 payments of {$380.00} due on the XXXX of every month. 

On XX/XX/XXXX I received notice that XXXX XXXX XXXX will be transferring the " servicing '' of my account to Westlake Financial XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. In this notice it states " This transfer does not affect any of the terms, conditions or obligations of your retail installment contract other than who services your account. '' A few days after receiving " notice of transfer of service '', I received a " Welcome '' letter from Westlake Financial with my new account number and several payment options to choose from in order to make my monthly payment. I followed the instructions and set-up my account online, made my monthly payments online via Westlake Financials `` payment portal '' every month, on-time without issue. 

Until XXXX of XXXX, I had unfortunately been affected by the XXXX pandemic. While I was grateful to not have been affected right away by the XXXX pandemic, it did unfortunately cause me to lose all source of income. At the time I had lost all income I only had {$1800.00} or 5 more monthly payments left on my car loan. I pulled up my original contract and found that luckily I did pay for " Voluntary debt-cancellation coverage '', which is line item XXXX on my signed contract at the amount of {$2200.00}. 

So, I called XXXX XXXX and was transferred to 37 different customer service agents, spent 5 hours explaining my situation over and over again to every new customer service agent they transferred me to just trying to utilize my " voluntary debt cancellation coverage '', so that I would not lose my vehicle in a repossession. To which I finally received a " supervisor '' who explained to me that while they absolutely have to honor the contract, they however do not have a " process '' and there was nothing they could do for me. 

After getting absolutely no where with XXXX XXXX, I reached out to a family friend/attorney who was able to look over all documentation and validated that Westlake Financial was indeed in " breach of contract ''. This attorney also sent a demand letter via e-mail and XXXX XXXX XXXX mail explaining that we demand they honor the provision set forth in our contract, forgive the remaining balance and refund any payments made over and above the remaining balance and that they had 7 days to respond or else we will be seeking all cost 's and attorney 's fees associated with litigation for Westlake Financials willful breach. 

As of XX/XX/XXXX, we have not heard anything from Westlake Financial. I am simply looking for Westlake Financial to do the right thing in this matter and forgive the remaining balance and utilize my " debt cancellation coverage '' which I purchased on my original contract. 

I have attached all documentation for your review and hope that we can resolve this matter without having to seek further action against this company. 

Thank you for taking the time to read this.
Product: Credit reporting

I sent on  XXXX   XXXX   XXXX  my first letter to  XXXX   XXXX   XXXX  of Experian by certified mail  XXXX  asking him about the validation and provide me with copies of any documentation associated with this accounts. On  XXXX   XXXX   XXXX  Experian sent the report number  XXXX  saying that if I do n't send them additional relevant information to support my claim they will not investigate my claims. But they never sent me any documentation regarding my letter dated  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I send a letter replying the results on report number  XXXX  by certified mail  XXXX  requesting again that they failed to provide me copy of any viable evidence regarding the account claimed .Experian never answered my letter dated  XXXX   XXXX   XXXX  .On  XXXX   XXXX   XXXX  I sent my last letter by certificate mail  XXXX  giving them a follow up to my original letter dated  XXXX   XXXX ,  XXXX  regarding an inaccuracy in their credit reporting. On  XXXX   XXXX  Experian sent report number  XXXX  saying the same argument like last report number  XXXX  that they need additional relevant information to start an investigation.   I requesting Experian as they violated Federal law by not property investigating within the required time frame and I have evidence of such via certified mail receipts that remove all the items disputed in my l ast 3 letters  sent
Product: Checking or savings account

I placed an order for some checks online with Wells Fargo. I was not in a hurry to get them. I received the two check books and I was charged {$47.00}. I immediately called the bank and I was told it cost so much because I ordered first class, I told them I did not ordered First Class because I still had some checks left. Per a Wells Fargo letter they completed an investigation and agreed it was an unauthorized transaction. I was refunded the total fees however I believe this is happening more than once.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX fraudulently acquired by information without my consent, therefore committing identity theft and furnished deceptive information on my account attempting to collect a debt that was charged-off the credit issuer. Also violating my privacy. The continued reporting of this item is a violation is of FDCPA, FCRA, GLBA, and Identity Theft of with TransUnion, XXXX, and XXXX and other CRAs, that publishes this fraudulent information are equal participant thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. 

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here.
Product: Credit reporting or other personal consumer reports

My credit report has invalid information on Transunion, XXXX, and XXXX. 
The personal information on my account is incorrect. 
My address needs to be changed and I'm requesting my employer information to be removed for privacy reasons. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
The only name that should be present is XXXX XXXX. Please update all my personal information on my credit report as soon as possible.
Product: Bank account or service

I had several items hit my account this week, I knew I would have a couple overdraft charges and was fine with that as I needed to go over and accounted for it. I did not account for XXXX overdrafts!!! I am charged almost {$200.00} in fees XXXX of which were not even putting me in overdraft, they give a bogus reason of it might have caused an overdraft and still charged me the fees but I was not negative except in the hold which also makes no sense. I should have gotten XXXX fees at the most, not XXXX!!! They always do this and it seems so unethical and wrong, how can they charge me when I had the money just for a hold?!!!!
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/XXXX : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/XXXX, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. XXXX XXXX XXXX XXXX XXXX committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if XXXX XXXX XXXX XXXX XXXX had not confused and extorted money from me.
Product: Checking or savings account

This is following up. 
CFPB closed the account when US bank replied ( they did not address my concern and refund me my money. 

I closed on XX/XX/2023. They did not send me money, I called again and again. 
Now I made XXXX calling and XXXX local visit. XXXX agents over phones said they did not mail the check out at all. XXXX agents said that the check was missed during mailing. 
The first agent said he will replace without any other condition since he cancelled the check. As today they did not mail the check. 
Then they asked me to sign declaration of loss, I did it on XX/XX/2023 and faxed to them on XX/XX/2023 and mailed a hard copy. They did not reply me until I filled with XXXX 
On XX/XX/2023 they asked me to fill the declaration again, since they dislike the first one. Why they need it if they have cancelled the check. 
I now checked other banks, most do not need the declaration loss. 
Even need other banks just ask to sign, most will not ask to do notary public which will waste my time, since most banks need an appointment to do that. 
Also, most banks will have first choice 1 ) I did not receive the check That is what happened to me. 
US bank asked me to sign a declaration loss without the above statement But ask me to sign XXXX ) The check was destroyed -2 ) I lost.. 
XXXX ) was stolen However I did not receive the check at all, and I received ads a letters from US bank currently. US bank lost it or XXXX office lost it. 
US bank forced me to sign something that I did not do at all or I do not know at all. 
Since XXXX agents told over phone that they did not send out. 
However they have cancelled out the check, why need me to sign the above paperwork that I did not know. 
So US bank need send me check ASSP + interest without any paperwork as XXXX XXXX or XXXX. 
When I signed my declaration loss, XXXX asked me to add " I did not receive the check '' that is the fact.
Product: Credit reporting or other personal consumer reports

I request a credit freeze/block/PIN for XXXX, XXXX, XXXX and Lexis Nexis
Product: Mortgage

I have a variable rate HELOC with Bank of America ( Acct XXXX XXXX ). I've noticed that since the Fed has cut rates in XXXX, the variable rate still has not been adjusted. It has reflected the same interest rate since at least XXXX with no adjustment for the rate cuts in XX/XX/XXXX. In my first call to Bank of America, my call was dropped while on hold while the customer service representative worked with me to determine whether there was a problem ( approx. XXXX XXXX into the call ). In my second call to Bank of America, the customer service representative acknowledged that my rate should have been adjusted following the XXXX rate cuts. She filed a request with the Disputes Department ( dispute number XXXX XXXXXXXX ) to take a look into this and make the proper adjustments. Given the lack of confidence I now have in Bank of America appropriately reflecting the applicable variable rate, I would like a look back to XX/XX/XXXX to ensure my rate has not been miscalculated in other instances, and to refund me any amounts owed. I am also concerned that other consumers similarly have not have had their rates adjusted and I would like Bank of America to determine the root cause of this problem so that others are not similarly effected.
Product: Debt collection

Equifax needs to remove XXXX XXXX XXXX debt from my credit file. This debt paid in full on XX/XX/2020. Please see the receipt for paid debt, and the email XXXX will remove the collection agency from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for EQUIFAX free XXXX  XXXX providing all requested information. 
Received email on XXXX/XXXX/XXXX with link " take final steps in enrolling. '' I had accidentally discarded email with link. 
Called EQUIFAX and was told there was freeze ( which I requested ) and therefore free protection was not available without going through unfreeze process. 

I would like promised free protection without expending more time on this. 

Note : when calling EQUIFAX they want full SSN - this form makes clear all they need is last four digits.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I filed a bankruptcy. 

During that bankruptcy I found a lot of discrepancies and misinformation in all three bureaus. Experian, Equifax as well as TransUnion. I have made several attempts to dispute the information and correct it. 

To which none of the disputes have been addressed or I'm being told no findings. 

When I finally got back on my feet and have been applying for apartments for almost 2 years now. WE ARE LITERALLY IN XXXX. 

I get told by these leasing offices to unlock my credit. I logged into all the accounts they are all saying my credit is unlocked. 

However as a result of my credit being " locked '' and unavailable I have been forced to be homeless for the last 2 years because no one can access or view my credit score to actually verify who I am. 

When trying to contact the bureaus I get automated robots who tell me there is nothing they can do. I can speak to a person unless it's a special circumstance. Or I have to email I've emailed several times and received no responses. 


Given the state of the economy right now for those of us who can afford to have a home we should not have to jump through so many hoops just to fix basic information. 

I literally am sitting on money and homeless all because for whatever reason there is no one to fix this glitch or speak to so I can give proper access to the apartment leasing offices so I can have a home!!! 

This is by far been the most frustrating and degrading and dehumanizing experience I've ever had to go through. 

Despite my bankruptcy I know there are plenty of companies willing to work with me. But I am being told no because all they see is the bankruptcy and have no access to my full credit report. 


I need someone preferably an actual human to contact me from the bureaus. Preferably a phone call so no information gets misconstrued so we can fix this so I can finally be able to get an apartment and other amenities that would greatly change my life if only they could actually see my full credit history. 


I've even offered showing them my account but everything is in a computer and has to go through 20 processes to be confirmed. 

So this very basic situation has turned into me being completely homeless for 2 years. Because everything is a XXXX robot or ai. 

The most disgusting and degrading and inhumane experience I've ever had in my life. 

I turn XXXX this year and most likely going to enter my XXXXXXXX XXXXXXXX 

I have worked way to hard on this XXXX country through this XXXX  economy to be sitting here and not be able to have a home all because of a technical issue that is very clearly on the bureaus end of this. And it's all over information that can be very easily resolved. But for some reason the robots don't even want to do their jobs and there are no humans to answer the phone to have clarification to fix it either.
Product: Mortgage

I was given an opportunity to pay 1/2 of my fees on my account and the other half would be waived. After completing the requirements of paying the first half, PHH Mortgage waived the 2nd half/balance. The next billing cycle my account has an unknown fee assessment of {$470.00}. No explanation, no letter nothing. It was added to my mortgage payment and due immediately. When I called in to speak with someone XXXX ( the representative ), couldnt tell me what the fee was for. She went on to say the amount wasnt for property inspections because the numbers didnt add up. I then asked for a supervisor. She asked me why did I want one. I said to find out whats going on. She proceeded to lecture me about what paperwork I had signed. I explained that I am supposed to be notified of any fees assessed and why. She continued to attempt to lecture me, never giving me a supervisor, never telling me what fee is for. Its as if they tricked you into paying at least some of your old fees, telling you they waived the rest then used some other clause to add it back or a portion of it back onto your monthly payment. That fee double my mortgage payment for the month which is wrong to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, regarding methods of verification used, in supposedly verified debt on my report. Hey closed the investigation out in the collection agencys favor, without providing me with satisfactory proof of debt being verified. 

Now, I have two different accounts on my credit report, claiming to won the same debt, without one of them being sold or transferred.

How can this be?!?! 


This proves that the debt was not properly verified the number of times that I asked for it to be!! Please see attached proof!
Product: Checking or savings account

On XX/XX/25 I received a call with a BOA name and number on my caller id. She knew my name, was very friendly, and asked if I had made a purchase for approximately {$450.00}. I said no and she said that she would make sure it was cancelled. Then asked if I made a large purchase at XXXX which kinda got my trust cause I go there. So I said no and she said no worries again and told me she took care of it. 
Then she started texting me numbers and asking me to read them back, which I did all this with the BOA logo in the text box. So again Im a little more trusting. After 40 minutes she asked me if I will stop a transmission for {$8000.00}, and I texted yes. And at that point the call was over. 
When I looked in my account the {$8000.00} was gone. This is All I have. Im a XXXX  and it took me forever to save this money. 
BOA Has told me 3 times that I lost the case, but when I threatened with a law suit they reopened it. At one point they said I did it, it which point I told them they know I didnt and again they reopened it. I have never had a companies name and number come up on my ID and not had it be the actual company. This is all new to me. This should not be my fault. BOA Said they send out plenty of security emails out. This is a LIE,, Ive never received one until the 10 Ive gotten since this case started. The levels of unprofessionalism from BOA I could go to would take 10 emails. Two of their reps told me I would definitely be getting my money back that I was covered under fraud protection. First they told me to close my account, then they told me to keep it open. It seems every rep Ive talked to says something different. I've noticed in the letters they're sending me they seem to have to person who stole my moneys account number. What??? is going on here???? This is pretty scary. These people impersonated a bank stole my money and BOA knows there account number?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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