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

On XX/XX/XXXX, I awoke to an email from my bank ( Wells Fargo ), that welcomed me for my two new accounts. When my branch opened I was the first person there and showed my banker the issue. She looked into it and spoke to the " back office '' and told me the process was to close the accounts, CLOSE my account and open a new account for me. They also suggested I contact the credit bureaus and let them know. I received a new account, new checks and a new debit card. I also had to change at least eight direct debits ( provide creditors a new acct number ). NEVER did they help with that process, offer credit counseling/monitoring or any assistance. I asked for a full report on how it happened ( IP address, etc. ). A week later I was informed they did not have that, although a District XXXX told me over a month later they were able to trace it to an IP address close to me. Then approximately six weeks later on XX/XX/XXXX THE SAME THING happened again. Two accounts opened online in my profile. This time they asked if anyone had my log in credentials ( NO ) or if I had been hacked ( no evidence anywhere in my credit profile ). This time another banker at the same branch, who seemed like she was on the job for about a day, relayed to me that the back office did NOT suggest I close any of the accounts, including the fraudulent ones. They suggested I just put a hold on the fraudulent accounts, so they could investigate and I could use my regular account as usual. I had a substantial wire transfer due the next day and I didn't feel safe with their security procedures, so I told them to hold my account and I stopped the wire. Delaying my payment by two weeks. I went without an account to do any banking for five days. During those days they told me they wanted to close my account and open a new one, and then they said they would close the fraudulent accounts and leave mine open. In short they had NO IDEA what to do. Meanwhile I went thru the same process with creditors and credit bureaus, which now resulted in a one year fraud alert and freeze. I also filed a police report with all my documentation. Today, the XXXX XXXX XXXX XXXX, who I was told would investigate and provide a viable solution and possibly compensation, sent me a letter basically just rehashing what I just explained with no resolution. Luckily, I did not lose any money, but the inconvenience should be compensated and Wells fargo should provide a minimum one year credit monitoring and an APOLOGY. Please help
Product: Student loan

I write to complain about the debt collection conduct of  XXXX , Discover Bank, and  XXXX  loan servicing. I owe about {$30000.00} on a private student loan I took out with  XXXX  to attend   XXXX   XXXX   in   XXXX   XXXX    XXXX . I graduated in  XXXX , and was working in the   XXXX   XXXX   XXXX   XXXX   XXXX   position when I injured my  XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got  XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of  XXXX   XXXX , I no longer can pay the loans.  <P/> I called  XXXX  well before  XXXX   XXXX -  XXXX   and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work.  XXXX  told me I was  only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment.  XXXX  began calling me in  XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings.  XXXX  then transferred the case to a new servicer,  XXXX .  XXXX  began calling on  XXXX   XXXX ,  XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no.  XXXX  has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.  <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for  XXXX , but says I must make  six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. 

I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX XXXX, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I just recently got the auto title loan due to rising medical bills. I was in this hospital for over 2 months, I 'm in XXXX, XXXX XXXX and have medical appts and tests that may XXXX XXXX XXXX XXXX due to being 7 days late on paying the payment. While at the grocery store with my son ( XXXX XXXX2017 ) we walked out and my car was gone. They simply told me oh I 'm sorry you should of called us but now you have to pay this fee and that fee which total to almost {$2000.00}. I told them its kind of hard to call when your in XXXX and cant talk because you have XXXX coming out your neck. They had 3 wrong numbers listed as my number when a gentleman called me on my cell confirming payment for the month prior. Thenthe following day they called me again to find out my payment status and I told them once again that I have my medical devices, medical papers and my social security forms in my car and my son and i walked home ( 4miles ) crying with groceries in our hands and it was 32 degrees outside the male told me well you can pay the repossession company to get your belongings back and the letter of intentions was already mailed out to you so are you going to pay the amount due which doubled over night. Im on a fixed income and now do n't have transportation period. But I will get my car back and will make sure these rude, uncaring and hostile employees keep getting in trouble for their deception ways
Product: Credit card or prepaid card

The fees drastically increased when I have been consecutively paying off this credit card on time. The other major issue with this company is reporting a 30 day late payment to my credit report when I have prof of payment. I did not miss any payment. Im ready to pay this credit card off in full and its entirety and move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis was sent two disputes well over 30 days ago. They have filed at responding within 30 days, which violates the FCRA. The law requires a reasonable investigation within 30 days - if this is not completed the disputed information has to be deleted. I need a response and a deletion of the incorrect personal information listed in their database.
Product: Vehicle loan or lease

Capital One sends me advertising to re-finance my auto loan to save money. I've gone through their prequalifying process a few times, they always offer me a higher interest rate ( which they are well aware of because they have me click on my current loan that has the rate and payoff balance ) however they continue to insist I will save money by refinancing. When I call them they say " well we save you money by offering a lower monthly paymemt '' but of course they do not explain that you are paying longer on the loan at a higher interest rate, and thus you are paying more over the life of the loan. Their process is intentinally deceptive, and outright lies to consumers in violation of fair lending. They refuse to be honest about the loan costing more, and many times when I call pointing out that the loan is more expensive they tell me I can't do simple math and insist that the loan they are offering will in fact save me money, or if not it's just an estimate so they can't be held accountable for lying to consumers.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I deposited a check from Md prepaid XXXX that was made out to my daughter. When I called prepaid plan to have a check distributed for her freshman semester they said that since I had moved I could wait the 30 days for them to update my address or mail the check in my daughters name right away. When it was received, she signed it and I then deposited it into my Citizens Access online account in XX/XX/XXXX. They cashed the check 11 days later. 
It wasn't until XXXX that I realized that the check had a stop payment which wouldn't be cleared until XXXX of XXXX. I also wasn't able to transfer funds out of the account. When I called citizens they said that it was because the check was made out to XXXX and that I would need to add her as a joint account owner, then it would be unfrozen and I wouldn't be able to use the account but could them close it. 
It was a XXXX who I spoke with who was supposed to call me back XXXX days later to see if there was anything else that I could do. I never received a call back but when I called again there was a message that the XXXX had put in saying there was nothing else to do but add her as a joint account holder. 
I attempted to do this on XX/XX/XXXX but got a message that I couldn't. I called access on XX/XX/XXXX and was told that it could be a false positive, something about her social? XXXX affiliated with the treasury department. I called again on XX/XX/XXXX and was told that I needed to have my daughter call. She did but they said they couldn't do anything because she has no credit!?! Why would an XXXX XXXX XXXX need credit or anyone to be a joint savings account holder. I called again on XX/XX/XXXX and was told that the XXXX gave me incorrect information and that they'd look into the situation. XXXX XXXX is person told me that I might have to call MD prepaid to have them request the check back. 
I called access again today XX/XX/XXXX to be told that this is being looked into to. I called MD prepaid prior to this and was told that they can't request the check back since it was deposited XX/XX/XXXX and cashed 11 days later. I am anxiously awaiting a resolution to this as the bank has unfairly frozen my account and I fear they will steal my money! I haven't hired a lawyer yet but if this isn't resolved in XXXX days, that will be my next step. I hope you can help as this is absurd. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep asking Experian to investigate an item on my credit report. I have submitted the burden of materials of proof and they keep responding saying that the request is not coming from me. I have provided my identification and their copies and my signature and they keep saying that it is not coming from me.
Product: Credit reporting

1 ) My wife and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My wife and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my wife and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with XXXX b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) replies from XXXX XXXX and XXXX XXXX ) All we are asking is for the XXXX account to show a XXXX balance
Product: Checking or savings account

Direct deposit issue my check usually lands on Wed it's been over XXXX hours with none of my money being in my account
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c- 2 ( a ), as I am a victim of a recent data breach. These accounts, listed under my name, are the result of fraudulent activity, and I respectfully ask that they be removed from my credit file to prevent further damage to my credit profile. 
Please consider this request under the provisions of the Fair Credit Reporting Act and take the necessary action to block and delete the following accounts : Accounts to be Blocked/Deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries to be Blocked : XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX XXXX File ID : XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX/My WU XXXX First of all, I have been transferring funds to my international love ones for over a year! I have transferred {$50.00} - {$900.00} to my fiance, XXXX XXXX and famliy as donations through my nonprofit organization, XXXX XXXX XXXX XXXX XXXX and it bring joy to my heart to support my family who lives in property. 

On Thursday, XX/XX/2019 I was very disappointed with the service I received from Western Union! I attempted to transfer only {$40.00} in which Western Union receives {$4.00} and more times for my business with them and I was told today that my transfer was declined for Fraud Protection! The representative explained the reason because I have not seen them in person! I spoke with a supervisor too and explained to him I that I have been supporting them over a year and he can review my transfer history but he would not honor my request! I couldn't believe this! Western Union can tell me how yo spend my hard earned money! I have the right to spend my money anywhere with anybody! 

Yes, Western Union should call me if they suspect a fraud but they should allow me to agree if it's a fraud. What if this was an emergency? 

This poor customer service! 

XXXX XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was victim of identity theft, somebody used my personal information to get medical care.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 
XXXX XXXXXXXX - XXXX - Verify this belongs to me. 
XXXX XXXXXXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 

Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : PERSONAL INFORMATION INCORRECT : Incorrect Name - XXXX XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect DOB -XX/XX/XXXX The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER XXXX XXXX XXXX  The personal data reporting is inaccurate.