23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Discover took over the loan from XXXX in XXXX XXXX. Initially, my student loan rate at XXXX was 6.25 % but Discover increased my rate to 6.5 % in XXXX XXXX when it assumed the XXXX portfolio w/o communicating the terms to me via email or by mail. When i graduated in XXXX XXXX I had applied for auto debit that should lower my rate by 0.25 %. They did not entertain that. Then again, I see that that they increased the rate to 6.625 % in XXXX XXXX. In XXXX XXXX, they have increased my rate to 6.875 % in XXXX XXXX, to 7 % in XXXX XXXX and now 7.125 % in XXXX XXXX. This is a rip off since this was a fixed term loan and not a variable interest loan. All this while, my credit scores are going up and the interest rates have gone done. So why is Discover abusing and charging more fees that they are not communicating to me directly via email or via phone or via mail when they have all my information? I need money back for this negligence at their end and credit for extra fees paid.
Product: Mortgage

I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. 

Since XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. 

Ditech sends monthly " informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. 

Ditech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. 

Ditech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. 
Ditech has not applied my previous payment XX/XX/XXXX to my account. 

Ditech 's automated phone system will only transfer me to their " make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. 

Ditech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. 

I am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. 

I will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. 
I will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.
Product: Consumer Loan

I applied and received a loan from Check n Go. During my time with them I received XXXX late payments, which were wrongfully pointed to me. When I contact them about it they said that if I paid my account in full those late payments will drop. I pay around {$2700.00} to have those late payments removed and they have not. I contacted them and they are saying those late payments do belong to me, which even if they do, they said they would clear it if I was to pay the entire amount in full. I would please like these two late payments to be removed from my credit history.
Product: Credit reporting or other personal consumer reports

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 a account without my written instructions.

I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX company is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT IDENTIFIER ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been 2 occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than 45 days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require. 

According to federal law I have the right to access all these documents. They have from 30 to 45 by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$42000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I went to Wells Fargo XXXX XXXX XXXX as a nonmember to cash a check ( {$25000.00} ) that their member wrote me. The Wells Fargo teller XXXX XXXX refused to cash the check saying she couldnt cash it because my last name didnt match the check ( I was recently married ) so I already knew to bring 2 forms of ID and marriage license and she refused to cash check. I drive to another Wells Fargo XXXX XXXX and XXXX XXXX minutes away from the location, and the branch XXXX XXXX, verified my IDs and said everything was correct, verified their member account and also contacted the member to verify he wrote me the check. Everything was fine, however when she attempted to cash the check there was an alert in her system saying not to cash it. I asked was it because of the first teller at the previous bank and she replied to contact customer service. I contacted customer service and with their member on three way and they confirmed it wasnt a hold. So I went back and told XXXX what the customer service rep stated and she spent 1 hour calling them and trying to see what the issue was. Final issue she stated was because Im not a member they couldnt cash it. Its stated as a nonmember that a fee had to be paid which is fine and I was willing to pay that fee of {$10.00} but saying they couldnt cash it. I have the entire conversation recorded and told the branch manager that Im being discriminated against.
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/year> I asked all of these companies to mail me a copy of the XXXX that each company got a tax right off and not XXXX company sent me a response or a copy of the XXXX. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my XXXX as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian is allowing a credit card av Ccount total visa to report late payments an past due balances on this account that was closed in XXXX of this year. I had XXXX attack was in hospitial why payment was due an was first time in 6 years 6 months i had ever been late or missed a paymrnt i wrote an ask forgiveness for this XXXX time an they refused. I paid XXXX late payment fees butvthey still closed account the gave me a balance after i paid XXXX dollars XXXX dollars i paid XXXX more payments XXXX each an both times after payment was made they to me each timevbalance was XXXX dollars. I have over paid this account it should be settled but now at end of year experian allows them to report late payments an past due balance fair credit reporting act say this is illgueagle. So does cfpb plan to pertect me or not. Experian an total has keep my score down becouse of this on purpose causeing finacial damadge to my business. XXXX XXXX heavey equipment XXXX construction this has knocked me out of XXXX bid jobs for over XXXX XXXX dollars each. XXXX other company tod me if i would up grade my equipment XXXX size bigger they would give me all there work. I have excellent pay ment history but cant up grade my dozer or excavator or dump truck when my credit score is in the XXXX range they do this becouse the big secerect keep his score low then we make money by chargeing more interest. Do you intend to protect me by stoping this im sure that i have a law suit in court of law. Ive have reported this before an nothing was done im sick of this they think they can do what ever that wont an no authority will do anything to the.. Is this not ur job to do somethingjust asking this is illeagule an i have suffered damage civil an criminal..
Product: Credit reporting or other personal consumer reports

FINAL NOTICE TO PROCOLLECT INC. FRAUDULENT ACCOUNT | NO CONTRACT | NO AUTHORIZATION | 24-HOUR

DEMAND FOR PERMANENT DELETION To ProCollect Inc. , This letter serves as your final legal notice and demand for the immediate and permanent deletion of a fraudulent account you are reporting under my name. I have never done business with your company, have never signed a lease or contract with you or any associated property, and have never resided at the location tied to this alleged debt.

The account you are reporting is unauthorized, unverified, and entirely fraudulent. You have no legal grounds to continue reporting this account, and doing so constitutes multiple violations of federal and state law.

Fraudulent Account Details : ProCollect Inc. Alleged Rental Balance : {$7900.00} I did not reside at the reported property I never signed a lease or any binding agreement I never authorized this debt, and I dispute its validity in full You Are Now in Violation of the Following Laws : FCRA 623 ( a ) ( 1 ) ( A ) : It is unlawful to report information you knowor should knowto be false.

FCRA 611 ( a ) : You must delete any information that can not be verified. 
FDCPA 807 : Misrepresentation of the character, amount, or legal status of a debt is illegal.


FDCPA 808 : Attempting to collect any debt not authorized by contract is a violation.

Texas Business & Commerce Code 20.06 : You are liable for reporting false credit information under state law. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX directly and was informed that they never gave permission for any eviction data to be reported to credit bureaus or tenant screening services. You are unlawfully using court-related data to support a claim you have no right to report.

24-HOUR DEMAND FOR ACTION You have 24 hours from the date of this notice to : 1. Permanently delete the above-listed account from all consumer reporting agencies 2. Cease all current and future collection or reporting activity 3. Confirm in writing that the account will not be reinserted or reassigned 4. Send written confirmation to : XXXX If you fail to comply, I will immediately proceed with the following actions : File a Small Claims lawsuit for {$12000.00} in damages Report your violations to the Attorney General, and applicable regulatory bodies Pursue full legal recourse under the FCRA, FDCPA, and consumer protection statutes This is your final warning and official legal notice.

You are now fully liable for damages.

Comply within 24 hours or face immediate legal consequences. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Payment of {$660.00} was paid on XX/XX/24 via phone. No documents were sent to my new address and remaining balance is being disputed. Rental company hiring the debt collector failed to provide proper mailing address. 

I provided documentation of payment to debt collector. Also provided move out sheet which has the wrong forwarding address and was emailed to me XXXX  days after move out.
Product: Money transfer, virtual currency, or money service

hi I am a customer of Western Union and I am writing to file an official complaint with Western Union regarding theirmoney transfer issues. I have been sending money with Western Union since XX/XX/XXXX. Recently in XX/XX/XXXX, the company has adopted unfair trade practices in its money transfer transactions including offering different exchange rates when initiating a transaction via its mobile app as opposed to the in-store kiosks. 

Issues at hand : 1- within a periodof 6 months, Western union has hiked its online transfer fees from {$4.00} to {$5.00} and now to {$7.00} per transaction ( the latter is conditioned on a lower currency exchange fee _ XXXX ) 2- twice this week I initiated money transfer online but before I completed the transaction, the currency exchange rate dropped from UGX XXXX to UGX XXXX per US XXXX  dollar. Obviously I cancelled the transactions and did the transfers using the in store kiosks which gave me the higher currency exchange rates of ugx XXXX shillings XXXX per US dollar BUT with an even higher transfer fee of {$8.00} now. This is a ripoff and illegal to charge different charges for the same transaction to the same location for the same amount. 
Please help Very upset customer
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF FRAUD AND XX/XX/XXXX I RECEIVED AN EMAIL STATING THAT MY SCHOOL LOANS WERE ALL FORGIVEN AND DISCHARGED AND WILL BE REPORTED TO ALL 3 CREDIT BUREAUS AND PAID AND CLOSED I SENT OVER THIS DOCUMENT BUT THE CREDIT BUREAUS REFUSE TO UPDATE THIS ON MY CREDIT REPORT. THESE SCHOOL LOANS ARE CURRENTLY REPORTING AS DEFERRED AND IN CAUSING MY DTI TO BE EXTREMELY HIGH. THERE ARE XXXX SCHOOL LOANS ( XXXX ) THAT NEED TO BE UPDATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am having a situation with identity theft on my file. i have sent in my police report on several ocassions to experian but i believe due to the corona virus mail has gotten lost or staff is to short to process. i am attaching my police report and i am including a list of the fraud accounts that need to be removed from my file XXXX  XXXX XXXX XXXX XXXX XXXX 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  Thank you in advance for any help you can provide in bringing this matter to a resolution. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XXXX and XXXX of XX/XX/2020 and a criminal did a fraudulent hard inquiry to my Equifax credit on XX/XX/2020, in an attempt to open an account from XXXX XXXX. When I became aware of this issue, I contacted the creditor and had them contact Equifax to confirm that this inquiry was fraudulent. In addition, I contacted Equifax to let them know of this fraudulent hard inquiry. In the dispute outcome from Equifax ( Confirmation # XXXX ) I was informed by Equifax that the inquiry was fraudulent and had been removed. As of todays date XXXX XX/XX/2020 ), the fraudulent inquiry has not been removed! I have called and filed several subsequent disputes regarding this same inquiry only to be told to resubmit the information that Ive already sent. I followed those instructions and resubmitted everything ( police report, copy of my social security card, copy of my passport, letter from XXXX confirming that the inquiry was fraudulent, copy of my drivers license, and copy of my birth certificate ) only to be told that I needed to contact the creditor again. I followed that step and had the creditor contact Equifax and still the inquiry has not been removed. I understand that this is sensitive information but I DO NOT need to be told to contact Equifax again because I have already filed over 20 disputes and yet Equifax in spite of having everything has not performed the administrative task to delete the fraudulent hard inquiry. My issue is administrative and I need Equifax to delete this inquiry that I have proved on multiple occasions is fraudulent. I am unable to buy a home and live my life due to this fraudulent inquiry so please help me!
Product: Mortgage

I was tricked into selling a house owner finance. The house is on the verge of foreclosure and the current " owner '' refuses to pay on time. Wells Fargo refuses to foreclose and calls me everyday from multiple numbers asking for a payment I have n't made in 4 years. Its destroyed my credit and I ca n't begin to buy another home with an existing mortgage on my credit. 

I have been impersonated to Wells Fargo by investors on this property to gain information about this account and possibly others and Wells Fargo has taken no action to protect my accounts and I have reason to believe that the bank is contacting other people asking for payments on this account, people who have no right to my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus still have incorrect information on my credit report past the legal 30 days they have to remove false or incorrect information they can not prove. I have never been late on a student loan in my life and there fact that all the good standing loans with the same dates as the derogatory listings that was consolidated in XXXX are still showing on my report is insane to me considering I have disputed this information several times yet due to them having my account mixed with so much false information which makes it unable to b authenticated via internet or phone automated system, and in some cased by their own agents depending on how they pull up my account, the knowledge of the representative or the agents willingness to correctly handle my account. All of my Dept of EduXXXX XXXX have been paid on time and consolidated yet since XXXX up to today which is over 7 years they have been knowingly and falsely listing false information on my report. There is no way my loans can be consolidated XXXX and always in good standing from XXXX until that date yet in XXXX I have multiple listings of delinquencies and accounts open in XXXX when all of those loans despite being opened at different times are all handled at the same time when it comes to my consolidation and payment history so how it is that despite it being evident both things can't be true they are still falsely reporting this information and will not provide me with written proof of how this information was verified despite it being contradicting. To make matters worse all the delinquent accounts are showing as still open when all of my loans were consolidated and it's past 7 years and they are still on my report which is also against the law. I have been trying to correct this issue with them since XXXX and they refuse to abide by the law. Back then I did not have time to look up the laws or even know where to look them up. Most of the times laws are abused by those who are in place to enforce them so it doesn't surprise me these agencies are allowed to get away with this. They cause people to have higher interest rates, get denied for business opportunities, not qualify for things they may need, look uncredited worthy all be cause they chose to outsource to XXXX who do not know the American Legal system, can barely understand the account holder or comprehend what the person is stating due to cultural differences. How is that even legal, they have staff who aren't even qualified to manage consumer accounts due to lack of knowledge of American Laws and processes, so these things just stay on a consumers report while these agencies get paid for reporting negatively despite knowing the information is false and the consumer gets screwed for years with no restitution for what has been done to them.
Product: Checking or savings account

On XX/XX/24 i opened a Chase account. I opened the account for funds through the SBA because they informed me I needed a XXXX XXXX XXXX XXXX. The SBA informed me that the money could be received by my name XXXX XXXX XXXX or my company name XXXX XXXX XXXX XXXX. On XX/XX/24 I received the deposit. On XX/XX/24 I withdrew {$500.00} and got an email minutes later saying my account was locked for fraud & to call a number. I called to which they were at first telling me the account was definitely going to be closed within XXXX business days ( on a recorded line ) & I would receive the remaining funds. Fast forward to the XXXX of XXXX they now tell me the acct is closed & my funds are on hold pending investigation and they dont know how long its going to take. Then they inform me that because I used a company as my Registered agent they couldnt prove the money belonged to me or that I was the business owner. So I spent money to update the paperwork with the state to report that I was indeed the rightful owner and I called Chase fraud support on XX/XX/24. When I called they repeatedly stated that only the review team has information, & investigation could take two years, also they have no information or updates, & that I couldnt speak with anyone from the team. There has been many different things I am being told and my business is suffering because chase is withholding my funds, to add insult to the matter I am spending more money just to get my money. I just want this Resolved & my funds sent expeditiously.