23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX SS # XXXX XX/XX/2023 Wells Fargo Escalation Representative XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX T : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Case # XXXX Application # ending in : XXXX RE : Adverse Action Dear XXXX XXXX ( Escalation Representative ) Wells Fargo I, the consumer, and natural person, was denied credit by Wells Fargo when I applied for credit. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Wells Fargo due to response I received. Wells Fargo is in violation of 15 U.S code1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used and Received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. 
If Wells Fargo fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Wells Fargo criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
XXXX : XXXX [ XXXX ] Without Prejudice. All Natural Inalienable Rights Reserved.
Product: Checking or savings account

I have tried to use my debit card at a store to find out that my card was declined. I thought that it was strange since I had plenty of money in my account. I discovered on my online banking with Wells Fargo that someone had set up a Bill Pay on my account to a XXXX XXXX XXXX account and made two transaction of {$900.00} and {$900.00} consecutively on XX/XX/2022. ( Noted that I am not associated with XXXX XXXX XXXXXXXX in any form ). I'm assuming that someone ( fraud ) has gotten information online of my online account from a malware of some sort or from the pattern of debit card shimming that has been going on and made that transaction themselves. I have called customer service fraud department for Wells Fargo but eventually weeks later, I have received a letter that they decided to deny my claim and concluded that I that I gave that information to someone I knew or I made that transaction myself. I have not given any information to anyone I know my bank account for any reason. It would be foolish of me to do that even for anyone that I trust. I have been with Wells Fargo for many years ( even when they were called XXXX ). I have never had an incident like this before. It has been very frustrating to me in why they would think logically that I would clear out my whole bank account and be in the negative on purpose. I have feel that Wells Fargo did not try to see my point of view of how this situation could happen but being unable to contact the investigator is very frustrating for me because I felt as though that Wells Fargo would try to use any excuse to prevent me from getting my money back. I feel very wronged by Wells Fargo and that they were not willing to help me from a loyal customer from many years. I have submitted a police report regarding this situation so that it is legitimate and that I am not faking these unauthorized transactions. I am using this as an accountability that those transactions were not done by me or anyone that I know of. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I was reviewing my Equifax credit report as of XX/XX/year> and noticed that not all of my disputed account are reporting as disputed and furthermore there are numerous closed and collection accounts being re-aged to extend the report period the accounts are illegal and in violation of the FCRA and section e ( 8 ) of FDCPA.
Product: Debt collection

I've canceled my XXXX membership back in XXXX  over the phone and they said over the phone that it's been canceled. However, from then to now, my member ship was still active even though I've requested to canceled already. Also, I haven't been back at this gym ever since XXXX  since I was told over the phone that my membership was canceled. I recently talked with the manager at XXXX and they told me that my debt didn't need to be pay. I've even ask the manager to write in paper stating that they canceled my membership to clear my debt but he said they it wasn't needed since my debt didn't need to be pay.
Product: Debt collection

FOR THE LAST YEAR EVERY 30 DAYS I REQUEST FROM ORIGINATED COMPANY AND DEBT AGENCY DOCUMENTS OR AN AUTHORIZATION WITH MY SIGNATURE FOR THIS DEBT CLAIM. NO COOPERATION FROM EITHER SIDE. I HAVE DISPUTED THIS ON MY CREDIT REPORT ( XXXX ) EVERY 30 DAYS
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged two amounts on my CapitalOne Venture card on Friday, XX/XX/2023 : one for {$1000.00} & {$960.00}. These were both fraudulent charges. I was alerted of fraud by the credit card company and I immediately disputed the charge, cancelled my existing credit card, and started a fraud investigation ( within minutes ). These charges officially hit my account on XX/XX/2023. 

I was alerted that my fraud investigation was completed and they found insufficient evidence of fraud because information we discovered leads us to believe you or another account user benefitted from the transactions After talking with the fraud department, they informed me that the chip technology was used in the transaction and therefore it means that the physical credit card was used to make the purchase. However, I was not in the location of where the charge was made, had never been there before, and physically had the credit card still in my possession. I am the only person connected to this account and no one else has access to this card. 

I tried to defend the purchases as fraudulent but they informed me that there was nothing they could do and that I had reached the top level of the fraud management department and that I was responsible for the charges. 

I was told that I was not able to receive additional details about their fraud investigation ( eg : what steps they took to deem the activity to be not fraudulent ) as that knowledge would disrupt the overall investigation and be not legitimate. 

The individual I worked with in the fraud department was XXXX, CapitalOne ID # XXXX. 

Thank you.
Product: Debt collection

Debt was charged off and i received a XXXX from USAA Savings bank for a 2nd Mortgage {$67000.00}. I received the Mortgage relief from XXXX XXXX XXXX but not from the 2nd mortagage company USAA ( all they did was convert it from the 2nd mortgage to a home improvement loan.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and Bank Of America. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.
Product: Credit card

I have been fighting with Macy 's department store to have a charge-off removed from my XXXX credit bureau accounts. I never opened up a credit card with macys. I have notified macys on several occasions and they will not, and have not removed this charge off. I also notified the credit bureaus and they did not rectify this situation. I do not know what to do at this point. I did not open up a macys card and I do n't know whey they are reporting a fraudulent account I never personally opened up on my credit report after I notified them about this on several occasions.
Product: Mortgage

I made my regular payment to my XXXX Mortgage Lender Nationstar on XXXX XXXX, XXXX, in the amount of {$690.00} ( Regular monthly due ) + {$9.00} ( Transaction Fee ) + {$100.00} extra towards additional principal. Instead of posting my {$100.00} towards towards Principal, Nationstar posted {$100.00} towards some type of fee. They are stealing my money. They already stole over {$500.00} in the past in the name of interest that was not part of my payment agreement that I made with Nastionstar XX/XX/XXXX. I do n't know where and how to fight back against Nationstar stealing my money and others. Please feel free to contact me any time at XXXX. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am XXXX. I have gone to XXXX 's XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing XXXX hard queries. XXXX of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.
Product: Credit card or prepaid card

I cancelled my credit card with XXXX XXXX XXXX card by Citi in 2nd week of XX/XX/XXXX as I got a very suspicous call from Citibank that I think is very intrusive. They are asking how I made my payments and where the payments are from. 
. Because of the cancellation, they are forfeiting my 2017 money rewards of {$420.00} which I earned already before the cancellation. There was a misunderstanding and they are insisting that I agreed to forfeit the {$420.00}. 

When I requested reinstatement, they insist i have to do application like a brand new applicant and I would forfeit my {$420.00} rewards anyway.
Product: Credit card or prepaid card

There were some international unauthorized transactions to some illegal only gambling site out of XXXX or XXXX. I filed a dispute on XXXX with US Bank Relia Card . 

I was told provisional credits card be added once theyve received my dispute form. 

Ive sent it several times, however it finally showed in their system today. 

I was initially happy thinking finally those credits could be added but thats not the case. 

Today I was told that provisional credits could take up to 45 days. 

Thats not what I was initially told. In fact the EFT Act indicates that they need to be applied after 10 days if the institution is still investigating.
Product: Mortgage

I’m a XXXX XXXX year old XXXX era vet prequalified for a mortgage refinance. I have never been late for a mortgage payment in the last nine years. I pay online using XXXX, my information is stored automatically. I made my XX/XX/XXXX payment on the XXXX of XXXX, found out several days later it did not go through. I made another payment on XX/XX/XXXX, it did not go through either. Your help with this matter would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXXXX/XX/XXXX  confirmation # XXXX.              XX/XX/XXXX confirmation # XXXX
Product: Student loan

To anyone who will listen : My consolidation master promissory notes ( MPN ) are dated in XXXX, XXXX, XXXX, in such, there is no 6 months grace period. It is my understanding that all consolidated and non-consolidated loans are treated the same. When Nelnet began to enforce the newer version of MPN with Item 17 grace period, I never signed that version, I was never advised by Nelnet of any changes to my MPN or the enforcement of the newer version of MPN. I was in school for fall XXXX and took the spring/summer XXXX off due to a job relocation, to included, I am currently in school for fall XXXX. During my time away from school, my non-consolidated loans had a 6 months grace period. Without my knowledge, Nelnet reported to my credit bureau, XXXX, XXXX, and XXXX   90 days late payments during my VA mortgage pre-approval process. My VA lender disqualified my loan because of the recent XX/XX/XXXX 90 days late listed on my 3-credit bureau. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. By Nelnet submission, their review my signed Consolidation Master Promissory Note ( MPN ) with Item 17 and upon request this document was never provided. Nelnet decision to enforce policy, shouldnt supersede contraction obligations has led me and my family into financial hardship and emotional stress with the negative credit report posting of late payments. With Nelnet negative credit bureau listing and denial of VA loan has presented very limited options regarding housing for my family. We are begging Nelnet or XXXX to reverse the negative impact. Ive enclosed my three signed MPN dated XXXX. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. If the signed Consolidation Master Promissory Note ( MPN ) with Item 17 is not provided, I respectfully request the removal of all negative posting of late payments in XXXX & XXXX on XXXX, XXXX, and XXXX. 

Thank you for listening, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX  Account # : XXXX To Whom It May Concern, I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( XXXX ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). 

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.gov/Complaint/ and www.ftccomplaintassistant.gov/ And https : XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was behind on the loan. I set up a payment arrangement with the company. Capital one. I was on time every month since the arrangement. It came directly out of my account. They have reported me take to the bureaus as late every month. When in fact I have not been late. I called to get some answers. The tech was rude and he was so muffled I couldnt hear. I asked for a supervisor. To no avail. He said someone would call me back. No one ever called back to explain to me what was the problem or why I was reported late.
Product: Credit reporting or other personal consumer reports

The creditor is in violation of the federal bankruptcy law and refusing to update my credit report removing negative history and charge off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Transunion ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Student loan

I submitted a school misconduct discharge application for my remaining private loans from attending the XXXX XXXX XXXX XXXX XXXX. XXXX  is a XXXX  its former parent company XXXX has had multiple lawsuits brought against them due to misconduct regarding misrepresentation of graduation rates, job placement and salary potential. 

My application and supporting documentation was delivered via XXXX on XX/XX/2024 and I was notified that it was received on XX/XX/2024. On XX/XX/2024, I called Navient 's loan servicing department at XXXX and left a voicemail inquiring about the status of my application ( understanding that it could take up to 2 months for the application to be process and reviewed ). On XX/XX/2024, I received notification from Navient that my application had been denied with the reason being " Navient carefully considers a variety of factors in determining whether aprivate loan should be discharged based on XXXX  misconduct and you do not meet the requirements for discharge based on misconduct by your XXXX. '' On XX/XX/2024, I called Navient at XXXX and was able to speak with a representative. I asked for clarification regarding the reason Navient gave and the representative stated that they could not give me any more detail than what was in the notification because Navient has chosen not to disclose the criteria for private loan discharge. I asked if there was anyone else I could speak with that may have information, or if there was any information that the representative could disclose and they said there wasn't. At this point the conversation hit a standstill and the call ended.
Product: Mortgage

Due to being out of work for XXXX XXXXXXXX and short term insurance paying {$270.00} a week I went on Ameris Bank online system and applied for assistance to ensure my loan would not be delinquent. I was approved for a forbearance and received paperwork via mail dated XX/XX/year> verifying that the forbearance was in fact attached to the status of my home loan. I also called Ameris not only to verify the information I had received in the mail but to be assured that the forbearance information would be reported to all three credit reporting agencies. I was told " yes '' my credit report would show a forbearance and not a delinquency. On XX/XX/year> I received notice from Ameris that my loan would now be serviced by XXXX XXXX XXXX notice dated XX/XX/year>. Prior to receiving the notice from Ameris Bank, I called and spoke with a representative from their Loss Mitigation department to ask if my payments would increase due to the forbearance being in place. I was told to call back before the end of XXXX to see how it would be handled but she could not tell me at this time. I placed a call on XX/XX/year> and spoke with XXXX XXXX XXXX as was asked to call back a week later which will be on XX/XX/year>. XXXX XXXX XXXX assured me only that any prior arrangements that I had would carry over from Ameris Bank. On XX/XX/year> I received a notification from XXXX XXXX that my XXXX XXXX XXXX has dropped significantly down to XXXX. Ameris Bank is now showing my loan account as 90 days past due and is not showing accurately that my loan was in forbearance I received