23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, I took out XXXX loans with XXXX XXXX, a private student lender. During the financial crisis, the company went bankrupt and the loan was sold off XXXX times and ended up being owned by Wells Fargo. Time passed and I graduated in XXXX XXXX. I was n't made aware of the multiple sales of my loans until Wells Fargo XXXX collections department called in XX/XX/XXXX XXXX. They harassed me and my parents with endless phone calls, threatening to take my parents ' home and sue me if I did n't make full arrears payments. I did what I could to make it work ; I got a new job and moved to a new city to earn a little more money ( my monthly payments on all my loans was around $ XXXX/mo and I only earned {$29000.00} a year. I made monthly payments but fell behind XXXX month. Within days, they charged off the loans and demanded payment in full. While they were threatening more legal action, I contacted attorneys, bankers, my legislators and the CFPB, and because my legislators and the CFPB contacted them directly, WF XXXX finally started to work with me on a repayment plan. 
Since that time, I have made consistent, on-time, in-full payments each month and have been attempting to rebuild my credit. I took a thorough look at my credit report recently and noticed Wells Fargo has been incorrectly reporting my repayment status ever since our repayment agreement was reached. It shows I 've been 90 days late at least XXXX times on each loan, and it 's simply not true. I 've paid on time each month, and have actually increased the payment amount I send them above our agreed-to amount. My credit report also shows that I have a past due balance on each loan, which is also inaccurate. Upon my initial contact with WF XXXX, the number of late payments showing on my XXXX credit report dropped from XXXX for each loan to XXXX for each loan, so obviously, someone at WF XXXX thought what they were doing was wrong, but those XXXX payments should still not be on my credit report. 
These specific items have prevented me from being able to get a small car loan from my credit union to replace my aging vehicle. Where I live, a person must have a reliable car to function - we do n't have good transit service. When I applied for the auto loan, I was told the loan was denied specifically because of these items on my credit report. 
I have attempted to remedy the situation by contacting Wells Fargo XXXX directly, but they claim they have the right to report my accounts in this way. I 'm not disputing the charged-off status of the loans ( though I do still think how they handled this was wrong in every way imaginable and the loan should still be in a normal status ). I am disputing the intentionally inaccurate reporting of my accounts as having been 90 days late XXXX times on each loan and having a past due balance on each loan. I would really like the CFPB 's assistance with the matter, because it seems it 's the only way anything will change.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiry : XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Debt collection

Again this XXXX XXXX XXXX has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a letter disputing inaccuracies on my credit report. I sent another one on XX/XX/23. Both times I either received no response or a postcard/letter saying that it looked like I was using a credit repair agency to help me, which I guess was there way of buying time by " responding. '' Since over 60 days has passed without any investigation into these accuracies, I DEMAND that, per the law, all of these negative accounts be removed from my credit report. I have also filed a report with the FTC and the XXXX Please resolve this immediately. It is affecting my ability to get a car and costing me a lot of money in interest charges.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX
Product: Credit card or prepaid card

Lane Bryant is a store credit card that is financed through Comenity Bank aka Bread XXXX. I have had this card for some time now so I am saavy about reading my email, letters that come through U.S. mail and communications sent to me electronically on the store credit card website. I was checking my account balance recently and started to go back and review my bills. I receive my bills paperless and generally just go on the website to pay the bill. When I saw that my balance was not really going down like it normally does, I started digging into previous bills and noticed that at some point, I started receiving DOUBLE finance charges from this company. I called in XXXX times to try and have the issue resolved however always received the runaround. The last time I started asking questions about terms and conditions and it was noted that they did not send me a copy of the terms when they changed them. There were no terms in my electronic communications nor had I received any via XXXX. Therefore XXXX Lane Bryant broke their original contract with me, did not properly notify me of the change in terms that would impact my account, and consequently, I am asking that these DOUBLE finance charges be removed from my account. I should have ONE finance charge for EACH billing cycle. This conversation about change of terms took place about XXXX months ago. I am a XXXX XXXX, so was really busy trying to XXXX XXXX  in the pandemic. Now I am on summer and want to pursue this issue of non-compliance on the part of the credit. It appears that Comenity is making these changes on all of their accounts gradually. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

my social security number was used to apply for credit cards and car loans fraudulently throughout this year. I don't own a car nor do I have and loans. my identity has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on Equifax - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX  XXXX ] Account Number : ( XXXX ) Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. XXXX an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

For more than two weeks, I have requested a copy of my instalment contract regarding the vehicle that was financed by XXXXantandier Consumer USA, but have not received any response even after numerous follow ups. 

I spoke with staff with the following agent IDs and yet, they kept tossing me back and forth. 
ID # XXXX ID # XXXX ID # XXXX
Product: Credit card

I have been attempting to close my account with affirm for over 5 months. The account was compromised by a person committing fraud. This person has done over XXXX transactions and continues to use the card. I have called affirm customer care over 20 times. I have requested they close my account. They always tell me they cant and someone will reach out to me. No one ever reached out to me and they do not provide me with any information that I can reach out to. They read me a script every time and just say Im sorry. I am unable to speak to anyone in XXXX or anyone with the ability to close my account. I am unable to close my account through the app even though I meet all the requirements to do so.
Product: Checking or savings account

My chase account had a balance of about {$1500.00}, I got an email and a notification from the app saying my account is closed and my funds will be mailed within 10 days, I went to the bank, I was also told the same thing. 

After waiting for 10 days, I received no check whatsoever l, I called Chase customer support, and like they always do, they put me through hoops, saying that theres nothing they can do and I have to wait. Now its been 6 months, I have received my check, nor have I been giving an explanation or reason for my account closure or inability for them to mail the check.
Product: Debt collection

There's an account on my credit report that I've had enough of trying to dispute on my own with no results. Apparently there's a collection agency Vaunce and Huffman LLC, that is reporting on my credit report but has never sent me a single document to notify me of the debt or to respond back to me when I tried to reach out to them myself. I sent them various letters of the past few months which I will include as proof. I was nothing short of nice, respectful and well within my rights to request that they prove to me that they own the debt that are reporting to the credit bureaus and in return, ruining my credit score. I reached out to them on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit card

I was contacting one of my credit card companies to make a payment. They go by XXXX different names ; XXXX, CARCARE ONE and SYNCBI. I was offered this card when I took my car to a mechanic. This was over a year ago. 
I have made all my payments and now would like to pay the rest of the balance off, or at least the majority of it since their interest rate is 29.99 %, after a six month grace period on interest for purchases. 
I called them to make the payment using a much lower rate credit card and they informed me, they allow payments from checking accounts only. I find it hard to believe that this is legal. Please advise.
Product: Credit card

To Whom It May Concern, I am writing to file a complaint against American Express regarding their failure to consider documentation provided by me and their refusal to offer protection under their merchant fraud program. Despite providing comprehensive documentation to support my dispute regarding a fraudulent transaction, including evidence showing the unsatisfactory condition of the goods, American Express failed to adequately review and consider the evidence presented. Consequently, they have not extended the necessary protection under their merchant fraud program, leaving me financially exposed to fraudulent activities. 

I have included photos of the damaged clothing from the dry cleaner merchant, along with other relevant documents. I request that American Express conduct a thorough review of the documentation I provided and grant me the necessary protection under their merchant fraud program to ensure that I am not held liable for the fraudulent transaction.
Product: Credit card

Every single month since XXXX of XXXX on the XXXX or XXXX of each month, I have paid this company {$250.00} ; some months even more. 

I called in XXXX of XXXX to have the company allocate my monthly bill to XXXX separate charges, or promotionals, I have on my account in a particular manner as to have each promotional paid off before interest starts accruing. They instructed me to call each month, instead of paying my bill virtually, to instruct them to properly allocate the funds. 

On XX/XX/XXXX, I called to do my monthly payment, just to find out yet again that they were not properly allocating my money, even with me calling each month & instructing them to put certain amounts to each promotional. 

I have called each month since XX/XX/XXXX and each time on the phone they tell me they are applying my funds to the right promotional. And each next month I call & speak to another representative, they either tell me I still have a bill that I've already paid off or the new totals do not reflect that which I instructed them the month prior. 

On XX/XX/XXXX, when I called to complain about this & speak to a supervisor, I was hung up on twice -- once by a representative and once by the supervisor, right as he was going to pull up my records & inform me on where these discrepancies were coming from. 

I truly believe they are trying to mess with my personal payment plan so that interest can begin accruing on my account ( which is practically at 27 % ) & they can gain more money from me than they deserve. I am a timely payer ; I have never missed a payment in years with this card & yet they are playing these games even after following their request of calling each month, giving them very clear & simple instructions ( IE : " My bank account was charged {$130.00}. The promotional that ends on XXXX of XXXX with the amount of {$300.00}, I would like {$60.00} to go there & the promotional that ends on XX/XX/XXXX with the amount of {$200.00}, I would like {$70.00} to go there. '' ) Them making that complex is very telling on their end & they need to be exposed & dealt with accordingly.
Product: Debt collection

15 United States Code 1692-communication in connection with a debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except They wont provide the generally accepted accounting principles and yet theyve admitted to selling the note and returning it as a loan back to me.
Product: Credit card or prepaid card

I spoke with a representative today, XXXX, with Target Credit Card Services. I'm in a financial hardship plan and she advised that Target is unable to forgive any late payment history on my credit report, even if I send a letter to the corporate office. This is not a decision this representative was able to make and advised me of inaccurate information. I was transferred to a supervisor and was advised the same thing. Under the CARES Act and me being on a hardship plan, I demand the late payment be removed from my credit.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the U.S.C 1681 Section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Caliber Home Loans is attempting to foreclose on my home without following the proper procedure. After the initial complaints to the CFPB I continued to demand a single point of contact ( of which they supposedly said I was enrolled in ) without ever being given any contact information for a single point of contact. Caliber has made it impossible to attempt to talk to anyone about any type of loan mitigation process such as a loan modification. Beyond this we have not received a proper 20 day notice to cure, or a notice to accelerate the loan. We have also not received any proper 21 day notice to foreclose. As such Caliber is now pursuing an illegal and fraudulent wrongful forclosure. 

Additionally I specifically sent them a certified letter explaining not to call any phone number for me on file, as I preferred all correspondence via letter for legal documentation purposes. They received this letter XXXX XXXX, 2015. Not only have they violated the FDCPA by calling multiple times after that date, they have also called at hours that the FTC has barred. For example on XXXX XXXX, 2015 I received a phone call from Caliber at XXXX. The the next day XXXX XXXX, 2015 I received another morning call at XXXX. Both calls were well before the XXXX allowed time for businesses to call consumers.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I request that you promptly remove the unauthorized inquiries from my credit report. These entries were not made with my consent and are causing me considerable distress.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on Friday XX/XX/XXXX, I used the XXXX XXXX XXXX site to obtain my free yearly report from the top 3. The site timed out before I could download my report, but when I try to go back in, I get the message they 're unable to complete my request. It appears they think I already got the information I needed so my once-yearly transaction was considered completed. However, I was not finished with what I needed and now it appears I ca n't receive my yearly report from Experian. 

On a side note, the XXXX site says they 're unable to complete the request due to the high volume of requests after XXXX 's data breach. So I was only able to receive one of the three reports I 'm entitled to. 

XXXX, XXXX
Product: Checking or savings account

I'm trying to get dates and amounts of every overdraft fee I have gotten since I opened the account. and questions answered about why they keep opting me in overdraft protection without my authorization and why my pending and approved transactions always seem to rearrange themselves every Tuesday morning in a way that makes my account go into the negative. Regions bank is doing some shady stuff for real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that a company by the name of XXXX has reported a balance of {$2600.00} on my credit report. This is not mine ; I have no knowledge of this account and it has resulted in my credit score dropping over XXXX points. This item appears to be an 8 year old account reporting with no credit history. 

They are in violation of the following : In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 1681 ( 5 ) this account is in violation of not reporting 100 % accurate