23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries listed below be blocked and deleted from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are as follows : Bankruptcies : 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: Mortgage

on XX/XX/XXXX at approx XXXX quicken loans did a hard pull on my credit and my wives without authorization. we have worked very hard to fix our credit and it was only supposed to be information gathering and they ended up doing a hard pull and took multiple days to respond and then tried blaming me for approving it in which i never did. they deflected back into turning it into a sale instead of addressing the issue. and kept bouncing the blame between my wife and I when they should have never pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a first mortgage payment to US Bank from my checking account. In error the payment was sent to my US Bank home equity line account. I made several calls to US Bank to inquire why my XXXX payment was not applied to my first mortgage. After weeks of research no one from US Bank could locate the payment. On XX/XX/XXXX I looked at my Home Equity Line account and saw that my first mortgage payment had been applied to the HELOC. I brought my account current with my own funds on XX/XX/XXXX while I have to wait weeks for this payment to be reversed and a check to be sent back. This is an additional {$3500.00} I am out of pocket due to the misapplication error. During this research time, US Bank reported a 30 day delinquency on my first mortgage and now my credit score has dropped by over 60 points. I have tried to US Bank to reverse this negative reporting but they have said they can't help me. I have never missed a payment on my first mortgage or my HELOC or ever been late on this mortgage which I have had for 5 years. I have had mortgages since XXXX and never been late on any payment. 

Included my bank statement showing my XXXX Payment to US Bank that was applied to HELOC and not my first mortgage.
Product: Debt or credit management

I'm concerned about the settlement against Lexington Law firm credit services. They did not provide the solution to my credit issues. I was looking into information on getting compensation for the job not being completed or showing any improvement.
Product: Checking or savings account

My complaint concerns a policy of Wells Fargo Bank. 
- We have had a Wells Fargo checking account for almost XXXX years. We pay many of our bills via " bill pay '' or " auto debit '' from this account. 
- One of the bills we have paid, for years, is not included in the list of entities that WF can pay electronically, so they instead send an actual physical check each month to that payee. 
-Last month, our statement indicated that they sent a check to pay that bill on XX/XX/XXXX ; they debited our checking account for the full amount ( ~ {$360.00} ) on that date. But the check has never been received or cashed by the payee. Upon inquiry, WF indicated that the check must have been lost in the mail, and we should place a Stop Payment order.

-THIS COMPLAINT CONCERNS THEIR POLICY, which we have just now become aware of : They debit our checking account on the date that they send the check, not on the date when the check is actually cashed by the recipient. They have likely done so for years, though we have been unaware, and likely do the same with their thousands of other customers who rely on them for bill pay services. So, in this case, they debited our account on XX/XX/year> but the check has still not been cashed XXXX days later, and they have been holding and using our money all that time. This seems like an unethical banking practice.
Product: Student loan

MOHELA put my student loans into " Exceptional Discretionary Forbearance '' against my written instructions to do so. I submitted a XXXX XXXX application last year and I specifically marked not to put loans in forbearance. They were put into it anyway and now I can't get any clear information about how it is affecting my PSLF, if I even need to make payments at this time, and if the payment I made while in forbearance will count towards my PSLF? I tried to resolve this issue in XXXX before the payment pause ended, but it has been impossible to actually get in touch with anyone. I originally tried calling but after over XXXX hours on hold I was disconnected. This occurred on two different occasions. I submitted a message to them at the end of XXXX and just today received a generic response about getting my loans out of forbearance. I still have no idea what my actual loan payment should be, when it's due, or if it will count towards XXXX so I just make what I believe is an overpayment in order to make sure the whole amount gets covered, but I do not want to be making payments that aren't going to count towards PLSF.
Product: Debt collection

I received a notice from Real Time Resolutions , Inc which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from XXXX  XXXX XXXX. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. Real-Time Solutions along With XXXX XXXX  XXXX  failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.
Product: Credit card or prepaid card

Wells Fargo discontinued the Nevada  Unemployment program and advised ( in a letter ) that all remaining balances would be send via check. Prior to the program ending I changed my address with Nevada  unemployment to my Ohio  address. After not receiving my check I walked into a Wells Fargo branch and they could not help me so I called on X/XX/17 and inquired, only to be told it was send to the old and inaccurate address. I was also told it would take 10 to 30 days to replace the check and it would be sent to my new address, XXXX XXXX XXXX XXXX, Ohio  XXXX. I called Wells Fargo today and immediately received a rep and they said I have to transfer you to a level 2 representative. I have been on hold over 45 minutes. Fortunately I am back to work and can wait on these funds but I ca n't get anyone to tell me what is going on. I would like my remain balance ( somewhere around {$1300.00} ) IMMEIDATLY and am requesting interest since you are holding my funds. In addition I would like a call so I can arrange to pay off my Wells Fargo credit card, close my checking account and I will arrange to move my mortgage. This was my first experience with Wells Fargo about a year ago and unfortunately it has been very poor. I am also filing a complaint with the CFPB. I finally talked with someone at the company and they said I would receive the funds but now there is no timeline. They cant hold money they owe me XXXX, if I owed them money and I was n't paying back, I would get calls everyday.
Product: Debt collection

XX/XX/XXXX, I had paid off a Federal Stafford loan made through XXXX XXXX. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted XXXX XXXX who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, Pioneer Credit Recovery contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.
Product: Payday loan, title loan, or personal loan

I got a title loan on my motorcycle for roughly XXXX dollars the bike was stolen 2 weeks later I reported it to them but they wouldnt stop intrest which was outrageous I told them the loan would be paid by insurance soon ling story short it took me a month to settle with XXXX an interest was going up daily so it end up costing me an extra XXXX dollars that it shouldnt have and I want my money back it was for a XXXX XXXX I could have gotten the bike back from insurance when they found the bike but didnt have the money because they got majority of my insurance check of XXXX dollars all for a XXXX dollar loan for 2 weeks. On top of that I get a letter stating they lost my ss number and all important info of mine due to a security breach so I think this company owes me money.. I was trying to buy a house and my info is out there somewhere being used by who knows. So what happens to them for giving my personal info out to a hacker that will try an ruin me even further the motorcycle i lost the chance to recover from being stolen was my dream bike and never will get a chance to own it it was a pristine condition bike worth XXXX dolllwrs to me atleast original paint low miles one of a kind survivor I hate this company for this
Product: Credit reporting or other personal consumer reports

Im currently in litigation with XXXX XXXX XXXXXXXX and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these XXXX  You can see that prior to the false reporting I have mentioned below - I have never had a late payment to XXXX XXXX XXXX!!! Ever XXXX XXXXXXXX XXXX XXXX XXXX and XX/XX/XXXX. Shame on this financial Institution for doing this to me.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX. In accordance with the written instructions of the consumer to whom it relates. 

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

I checked my report and saw unauthorized inquiries, please remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three loans showing with XXXX XXXX XXXX XXXX that dont appear to be mine. 

One loan is showing for XXXX in XX/XX/2018 Two loans showing from XX/XX/2018 one for XXXX another for XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from Trans Union, XXXX and TransUnion. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Bank Of America account # XXXX To whom it may concern : Please consider this letter as my formal complaint against Bank of America.

I have sent certified/return receipt dispute letters to Bank of America requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america was unable to verify/validate this account in accordance with FCRA. 

As this account was hindering my credit worthiness, and with Bank of America unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment in the amount of {$5100.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently Bank of America has yet to correct their reporting according to the contract. They are still reporting a negative collection account in the amount of {$5100.00} to all 3 Credit bureaus.

I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. Bank of Americas practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX  CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida XXXX  XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something
Product: Money transfers

My dad lives in XXXX and I live in XXXX. A few weeks ago he sent money from Walmart through Money Gram, but before I could pick it up the next day he was hospitalized. I was told by the cashier at my local Walmart that I would not be able to pick up my money because the message she got on the system said that " the money must be picked up in the state designated by the sender. '' I said what do you mean? She said well there is no state listed here. So I called the Walmart where my dad sent it from and they informed me they could n't help me either, and they gave me the number to money gram. I have called money gram and they said '' It does have a state specified it is listed as XXXX. '' But it 's our policy that we do n't allow one to receive money in the same state that is sent from. '' OK so that should be a no-brainer right? It was obviously a mistake on the cashiers part -- no luck. They say my dad has to personally go back to the Walmart where he sent it and fix it. HE IS IN THE HOSPITAL AND CAN NOT BREATHE on his own, so that is not possible!! I emailed a complaint to MoneyGram and in their reply they tell me that HE must CALL an XXXX number they provided on the email. What?? I could have ANY MALE caller to do so if that is so true. Sounds to me like this is their way to make money. Wow.
Product: Checking or savings account

Someone was doing fraud on my accounts and now Im not able to open a bank account anywhere and cant purchase things because of it
Product: Vehicle loan or lease

Exeter Finance LLC applied for car loan denied credit credit score is XXXX this stealing securities is a common crime of these banks a financial institution. XXXX XXXX XXXX sent my information which makes both of you have committed federal crime against a consumer Ive contacted both an both have denied an didnt want to talk just stated you will receive a letter in the mail Ive notified IRS an S.E.C of the theft of my securities Ref # XXXX
Product: Credit card

My card was closed by TD financial without warning affecting my credit score, my minimum payment was increased by 105 % without warning, I was issued a late fee without warning and without cause. I make two monthly payments each above the minimum monthly payment. The company XXXX XXXX has a XXXX page, email XXXX and phone line XXXX XXXX XXXX XXXX, each has received no substantive response. 

I would like my account rectified, and the company penalized for a purposefully difficult system that discourages resolution. 
On XX/XX/year> I waited on hold until my phone died after 21 minutes, on XX/XX/XXXX I waited on hold for 75 minutes before hanging up. I am presently on hold for 15+ minutes as I write this complaint. I have messaged their XXXX page and customer service email - awaiting an answer. 

The process is purposefully obstructive to reach someone to resolve such issues, however there are a myriad of ways to make payments and open new cards without wait times or administrative issues.
Product: Debt collection

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 usc 1692c I have told them constantly to stop calling and sending emails and texts. They shouldn't have my information because their a third party and my information wasn't given to them by me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX  Balance Owed : {$210.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Mortgage

VA Lender XXXX XXXXXXXX XXXX sold Va loan to Round point Mortgage to collect {$260000.00} and foreclose my home. 
XXXXXXXX XXXXXXXX XXXX denied my legitimate claim to repair my exterior because of uncircumstances of plumbing water leak inside of the walls. 
XXXX new home construction of XXXX refuses to fix my home issues. 

XXXX XXXX has a law firm to denied my claim. 

I am XXXX, Retired.I am in XXXX having XXXX XXXX XXXX   with my primary doctor XXXX XXXX XXXX since XX/XX/XXXX till present. There could be a possible XXXX. 
I need to be in my home after my medical treatments in XXXX. I already filed complaints against XXXX XXXX and Round Point, there is a major scandals, fraud and corruptions of XX/XX/XXXX till Present. 
My home is not in condition for me to be living because of molds, and repairs issues. 
What is the investors are going to do about my XXXX accommondations under my ADA Disability Act Civil Rights under Department of Justice? 
This is a very urgent matters. I am stress and i am prescription medications for my pains.
Product: Credit reporting

The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.
Product: Credit reporting or other personal consumer reports

Explained to XXXX XXXX XXXXy I have been a victim of fraud and also I could have sworn I had a security freeze on my account I asked said department to remove all unrecognizable inquiries per 15 U.S Code 1681-congressional findings and statement of purpose.