23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has made a major negative impact on my life. EXPERIAN has caused me several hardship, mental anguish, XXXX, and even marital problems with my wife due to an assumption EXPERIAN made. They reported that XXXX XXXX # XXXX was late ( XX/XX/XXXX and XX/XX/XXXX ) and deleted positive payment history from XXXX and XXXX without first consulting with me, making the results of their initial investigation into the account impartial, unfair, and inaccurate. They also infringed upon my right to privacy by communicating about me with a third party and reporting only exactly what they communicated. With all of what I stated, they violated sections 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( b ), and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX XXXX late payment claim with Experian Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that may have been given Please see the attached notice ( s ) I have also attached the first notice ( s ) that was sent to each corporation that has been ignored.
Product: Credit reporting

A company called XXXX has filed a negative item on my credit report. I do not know who they are. I am not aware of any debt owed to them. I have demanded documents from them showing proof of a debt.
Product: Mortgage

On XX/XX/2020, Wells Fargo Home Mortgage applied monthly interest twice in one day to my mortgage loan. This action by Wells Fargo is or should be a violation of law. 

On the loan # XXXX, Wells Fargo applied an interest payment of {$640.00} and an interest payment of {$650.00} on the very same day. Interest on this loan accrues only monthly, and against the remaining principal. 

At no time have I indicated to Wells Fargo that an overpayment of my mortgage would be applied to future interest instead of outstanding principal. 

In prior months on this same loan, all overpayments were consistently and properly applied to the outstanding principal. 

However, when I made a {$50000.00} payment against the loan on XX/XX/2020, Wells Fargo collected the interest for two months on the currently outstanding principal, rather than using all funds beyond the minimum payment to reduce principal. The payment was from another Wells Fargo account.This action is verified in both online and physical statements of Wells Fargo. 

The action by Wells Fargo, to apply two monthly interest payments in one day, is one that is at the detriment of the customer and the unilateral benefit of the bank. This occurs because when a customer reduces their principal, that customer reduces the amount exposed to later monthly interest calculations. In this case, the actions by Wells Fargo allowed Wells Fargo to capture the most amount of interest from me prior to the principal reducing substantially. Had Wells Fargo properly and consistently applied the overpayment to my principal, the interest borne for the month of XXXX would be substantially less. 

I contacted Wells Fargo on XX/XX/2020 and voiced these concerns having to speak with 2 individuals over the course of 26 minutes. They represented that this was systematic, asked if I had made a mistake, but could not explain how in prior months overpayment was properly applied to principal but in this case was not, except to state that it was a substantial payment. 

Their attempts to forestall resolution include telling me that a 'work order ' would need to take place over the course of 6 business days to make the correction. I have relayed that such a delay is unacceptable, and that this very complaint will be filed with CFPB. They indicated I will have a call with the Executive Office at some later unspecified time. 

I have notified Wells Fargo that I have lost trust in them and will be taking steps to minimize business with them after 26 years of loyalty.
Product: Student loan

I have a student loan through ACS, and 15 years after graduating - I owe MORE on my student loan than I borrowed. This is due to outrageous percentage rates that will keep me paying until I 'm in the grave. This is loan sharking and needs to be dealt with. I 'm not even treading water with them, I 'm drowning.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never approved this dealership to run my credit they are scammers and taking advantage of older woman I now have been getting text messages and email from an bank account that I never try to open and Im afraid I am dealing with a criminal that using my details I dont even know what to do
Product: Debt collection

Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing to dispute the debt that you are attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe this debt because I was a victim of identity theft. 

On XX/XX/2020, I became aware that my identity had been stolen. I filed a report with the Federal Trade CommissionFederal Trade Commission ( FTC ) reference XXXX XXXX and contacted the three major credit bureaus to place a fraud alert on my credit reports. 

I request that you investigate this matter and cease all collection efforts on this debt. If you have any questions, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I sold my property 2 years age and paid off the loan serviced by GreenTreeServicing LLC. They continue to report that I have not paid the loan and that I still owe on it, when it was clearly settled. This is affecting my credit reports as they are being non cooperative.
Product: Checking or savings account

I called and reported that someone else had opened a checking account and savings account in my name to Wells Fargo and XXXX, com I told them that whoever it was had my address but added on their that it was a apartment wit the number XXXX. I do not live in a apartment nor have I opened up a checking and savings account with Wells Fargo or XXXX. I told them that this is fraud. I received the mail on XXXX XXXX saying to activate my debit card to Well Fargo and I called Wells Fargo on XXXX XXXX. I received the letter from XXXX on XX/XX/2021 and immediately called them and reported to them that this is fraud. I do not know if they had out any charges on either cards yet. But I wabted this stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving a dispute I have with Wayfair regarding a defective mattress purchased in XXXX. The mattress was intended for my XXXX daughter, who only began sleeping on it independently this summer. After a few months of use, we discovered that the mattress has sunken in the middle and is no longer usable. 

Initially, Wayfair accepted my dispute and asked for supporting documentation within 72 hours. However, before I had a chance to gather and submit the necessary documentation, they denied my claim due to the length of time since the purchase. This was despite the fact that the product was unused for nearly 2.5 years, and the defect only became apparent when my daughter started using it. 

The mattress was purchased during the COVID-19 pandemic, and it seems the product was poorly made. I believe I am entitled to a refund or replacement for a defective product, regardless of the time frame, especially given that it was unused for such an extended period. I would appreciate your help in disputing this charge and ensuring that Wayfair addresses the defect in the product they sold. 

Thank you for your time and assistance in this matter. 

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

Discover Financial Services [ Discover Address Subject : Request for Investigation and Removal of Inaccurate Credit Reporting Due to Identity Theft Dear Sir/Madam, I am writing regarding an account associated with my name and Social Security number that is inaccurately being reported on my credit report. I have disputed this account with you previously, but you responded by stating that the account information is accurate and belongs to me. I am informing you again that I am a victim of identity theft, and someone unlawfully used my personal information to open this account. Furthermore, they redirected all correspondence to an address that is not mine.

I have attached a copy of the identity theft report for your reference. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, once a consumer notifies a creditor or reporting agency of identity theft and provides documentation, the account must be blocked or removed from credit reporting within four ( 4 ) business days. Despite this legal requirement, the account continues to be inaccurately reported on my credit report. 

Here are the critical points regarding this matter : Fraudulent Account : The address linked to the account is not mine, nor is it listed on my credit report. I have never received, used, or activated a Discover card.

Charged-Off and Written-Off Account : According to my credit report, the account has been charged off and written off. If the debt was indeed written off and Discover claimed a tax deduction for the amount, you would be required by the IRS to provide me with a Form 1099-C. Failure to do so implies that the reporting of a balance owed is inconsistent and a violation of FCRA standards for accurate reporting.

Violation of FCRA : Reporting inaccurate information on my credit report constitutes a violation of the FCRA. This continued reporting of an account I neither opened nor used, combined with the lack of a Form 1099-C, infringes on my rights and could expose Discover to legal liabilities, including damages. 

Unfair Tax Implications : If the debt were written off and considered taxable income, it would be unjust for me to pay taxes on income related to a fraudulent account I did not open or use. 

Under the FCRA, I am requesting the following : That Discover permanently remove and delete this fraudulent account from my credit report. 

That you cease all reporting of this account to any credit reporting agency. 

Written confirmation that you have taken these steps to rectify the issue. 

I trust that Discover will act in good faith to comply with federal laws and correct this error. If no action is taken, I will have no choice but to seek legal recourse to protect my rights and hold Discover accountable for any violations of the FCRA.
Product: Student loan

I was contacted by XXXX XXXX. They stated my student loans in default and at risk for wage garnishments but that I qualified for student loan forgiveness. That the payments would be minimal for 3 years and everything past that would be forgiven. I set up the arrangement and began paying each month. My student loans showed as current on my credit report and the consolidation was successfully showing as current. I was notified 5 days ago that my credit score dropped 55 pts. I looked and saw that my student fed loans were in default but the consolidation loan was current. I called the student fed loan and they explained that they do not use any type of third party company on their behalf and I was being scammed. Also that an email was on the account that I did not have access to, paperless billing was set up and going to an online account that I did not set up. This company has taken money from me for 2 years. They pretended to be me and filed for forbearance so that my loans appeared current and now I have an outstanding loan with over {$500.00} left to pay appearing on my report from a company I have never done business with ( Equitable acceptance ).
Product: Credit reporting or other personal consumer reports

multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify XXXX, XXXX, LexisNexis, XXXX, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

XXXX XXXXXXXX, LexisNexis, XXXX, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with XXXX XXXX, LexisNexis, XXXX, XXXX, and XXXX An investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector.

Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not remove fraudulent information such as address, phone number and/or account information from their data base. The information does not show on my credit, the one I can see as a person. 

I can not verify my identity to access a free credit report, dispute inquires on my report, renew my health insurance and so many other things. 

I have been reporting this issue to them for years.
Product: Mortgage

I just received a letter stating that my mortgage payment is past due. All my bills are paid automatically through my bank 's Online Bill Pay. There are a few payees who have an agreement with my bank to receive payment directly, electronically, including my mortgage company. I accessed my account online and show my payment was sent and processed on XXXX XXXX, 2016. So I accessed the mortgage company website and found the payment was, in fact received on XXXX XXXX, 2016. Because it was received before the beginning of the month, they applied the entire payment to the principal. Two days later, the day after the due date, they consider my payment past due. They 've done this in the past and so I had adjusted my payment submission date to the XXXX of the month. However, this time the XXXX of XXXX was a holiday since XXXX fell on a Sunday. Because of the holiday, my bank went to the last business day and sent the payment on XXXX XXXX. It does n't make sense for a mortgage company to have a due date of the first of the month and not accept a payment made before that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX XXXX Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Account Included in Bankruptcy : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX XXXX, 2015 my Paypal account was charged {$29.00} by a company called XXXX. I have spoken to both XXXX and Paypal concerning the charges. After neither XXXX or Paypal could tell me exactly what the charges were for, I reported the items as fraud to Paypal. I received a letter today from Paypal claiming the charges are legitimate -- So I called them again and they are still unable to verify exactly what it is that I have been charged for. Thus, I think there " debt '' collection practices deserve a little scrutiny. Charging people for unknown items they clearly did not receive would appear to be an illegal practice. Any assistance you can provide would be greatly appreciated.
Product: Student loan

On XXXX of XXXX I switched my loan servicing from XXXX to FedLoan. For the past five years I have been paying my loans with XXXX. With XXXX, I would verify each year that I was in a repayment program that qualified me for Public Service Loan Forgiveness. I printed documentation of these payments, and was assured by XXXX that my account would remain online, so I could continue to verify repayment program and payments. When my loan was transferred to FedLoan in XXXX of XXXX, verification of my payments were not transferred. At that time I had made 49 qualifying payments toward the PSLF program. 

On XX/XX/XXXX I contacted FedLoan and spoke with XXXX XXXX and asked where verification of my loan payements from XXXX were, she said it will update within 30  days. On XX/XX/XXXX, when my loan payments were not updated on my account with FedLoan, I spoke with XXXX XXXX who told me that they have to look into my detailed history with XXXX and it would take 60-120 business days to be approved. I then called XXXX who informed me that they had not received contact from FedLoan regarding my account. On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding why my loan payments toward PSLF had not been updated from XXXX, nor the payments i had been paying to FedLoan for the last 5 months. She informed me that at the end of the year, when I show verification of employment, the number of payments with FedLoan will update and that the verification of payments with XXXX could take until XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX as my loan payments with XXXX  ( 49 ) and my loan payments with FedLoan ( 11 at this point ), are not recorded on my account. XXXX informed me that verification from XXXX is being " reviewed '' and he doesn't know how long it will take as they are questioning my payments. He said that technically I have until XXXX ... 

I do not know why FedLoan has given me four different answers regarding five years of qualifying loan payments being credited to my account. I would like those payments to be updated on my account with FedLoan. I am concerned that the longer it takes them, the chance of proving the payments qualified, becomes more and more difficult. I am also very confused why it is taking them so long to verify something that took me one minute to see on my XXXX account. It seems FedLoan can do whatever they want when it comes to verification of my loan payments and I would love some help in accountability with their systems of transferring loans to them and verification of qualifying payments. As of XX/XX/XXXX I should have 61 qualifying payments toward my PSLF.