23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In accordance with 1026.7 Periodic statement of 12 CFR Part 1026 ( Regulation Z ), the creditor shall mail or deliver a periodic statement as required by 1026.7 for each billing cycle at the end of which an account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, if delinquency collection proceedings have been instituted, if the creditor has charged off the account in accordance with loan-loss provisions and will not charge any additional fees or interest on the account, or if furnishing the statement would violate Federal law. 
Wells Fargo formally Wells Fargo Dealer Services has knowingly failed to send me, the consumer a statement in approaching nearly two years on a current auto loan. I have filed numerous complaints with Wells Fargo at XXXX, inclusive of complaints with the office of the president. The issue fails to be corrected, to date, yet I continue to receive generic emails. In my attempt to have the issue corrected, I have spoken with over twenty-six ( 26 ) different representatives and the issue has never been corrected. 
For the above stated reason, I hereby dispute all charges, fees, interest and asserted monies due commencing from XX/XX/2019 to current due to Wells Fargos knowing violation citing federal violation of 12 CFR Part 1026 ( Regulation Z ) and Maryland State law. Wells Fargo is billing, collecting and reporting on consumers credit without furnishing the periodic statements to consumers. I assert I have been charged money, interest, fees and assessments that are undue to the continued frivolous behaviors. I have attempted on numerous occasions to have this matter corrected and Wells Fargo has failed to correct the issue. 
With that stated, I request immediate enforcement and correction thereof by this agency.
Product: Debt collection

This company contacted me at XXXX via text on XX/XX/2022, regarding the debt that I have with National XXXX. I was waken up to this text message. That is absolutely not an acceptable time to be reaching out regarding a debt!
Product: Credit reporting or other personal consumer reports

I have not received a validation letter, a signed contract or a purchase agreement
Product: Mortgage

On XX/XX/XXXX and XXXX of this year, US Bank paid mistakenly paid property taxes on my neighbor 's house totaling {$14000.00}. I received my escrow analysis on XX/XX/XXXX and brought the error to their attention by email and phone when I determined that they were trying to escrow funds for my neighbor 's property taxes and my property taxes for 2023. Their error would require my monthly payment to increase about almost {$2000.00}, a near 30 % increase, for the next 12 months, starting with my XX/XX/XXXX payment. 

After multiple phone calls to their call center, I was assured the situation would be resolved by late XXXX with the escrowed funds being replaced and the escrow calculation being redone so that my payment did not show an escrow underpayment of almost {$24000.00}. I was also told that if I could not or did not want to make the XXXX mortgage payment which is {$2000.00} more than normal, I could simply wait for their internal processes to be resolved and there would not be a late fee so long as I paid by XX/XX/XXXX. I was also advised that it would be fixed by XX/XX/XXXX. 

I checked with US Bank regarding my account today and after spending over 30 minutes on the phone with two separate representatives, I was told to continue waiting for US Bank to received a refund from the county tax assessor so that they could refund my escrow account, recalculate my monthly payment correctly, and then update my account. They also advised me that if I did not make the full payment by XX/XX/XXXX ( regardless of whether they fixed my account and had it reflect the correct amount ) they would report me to the credit bureaus for delinquency. 

I have tried to pay just the correct amount of my mortgage but US Bank will not allow me to do that since their system still has not been corrected and is requiring the additional {$2000.00} each month. 

I have never had a late payment in my life- so the potential effect on my credit is a very personal one. I have spent hours trying to work with them over the past 7 weeks to resolve the situation but feel I have no real recourse if they continue to simply pass the problem around to their various departments without taking real action. 

I believe the actions of US Bank may violate RESPA and other consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I 'm trying to pull my annual free credit report online, and so far it 's taking about XXXX45 minutes to actually generate an Experian report. My screen says, " Please wait while we retrieve your report. '' If their system is frozen this will negatively affect my ability to get my free report. I have n't even gotten to the other XXXX reports yet. This is unacceptable.
Product: Checking or savings account

I cancelled my membership with XXXX  XXXX via letter in XX/XX/2019. When I noticed I was still being charged to my Bank of Texas checking account I went into a local branch XX/XX/2019 to advise and was informed by a banker that it would be looked into and addressed. Fast forward to the end of 2019 and while moving over to XXXX XXXX I receive a letter telling me I owe over {$600.00} in overdraft fees because they paid for my gym membership. A membership I cancelled and told would be looked into coupled with the fact that I optd out of overdraft protection to prevent this issue. A Regulation E investigation should have been launched so that I would have been protected. 

I paid the fees and obtained a paid in full letter but now I can not open a new account because they are reporting the account to XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I applied for an installment/ signiture loan online through the companies official website on XX/XX/2021. Today ( XX/XX/2021 XXXX ) I had called the location in which the loan was applied through so I can check the status/ follow-up with eligibility determination. Was given the option for a call back to speak further on application. XXXX the call back came and I was asked personal information for verification purposes, then I was asked how I heard of their company to which I stated the name of the person that reffered me and then was asked if we were related. We are not related but she is my Girlfriend. Then I was told she owes payments on her account with them, XXXX an account I have no affiliation with ) and wouldn't be able to be offered services until she pays what she owes..
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer Guy. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter. 
Also I sent this same letter out to all 3 bureaus with no response on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am utterly confused on why this is reporting on my credit report when I did not get in contact nor applied to any of these companies
Product: Credit reporting or other personal consumer reports

Re : Validation and Cease-and-Desist Request. 
Account # XXXX Dear XXXX I am writing to formally dispute the alleged debt associated with the account number! 
XXXX that you claim is mine. 

I previously requested validation of this debt, but the information you provided does not suffice as proper validation under 15 USC 1692g ( a ). You have not provided adequate proof that this debt is tied to me, and you have failed to meet your obligation to validate and accurately report this information.

Furthermore, the information you are reporting regarding this account is severely inaccurate and conflicting across all three credit reporting agencies. It is your legal responsibilitynot mineto ensure that all information reported is accurate, verifiable, and consistent. I can not and will not validate this information for you. 

To clarify, this alleged debt should not be reported at all unless it is properly validated. Therefore, I demand the following : XXXX. Proof that your company retains ownership rights to this account, including documentation showing how and when the debt was acquired through a transfer of ownership or assignment.

2. A detailed explanation for the discrepancies in how this debt is reported across the three major credit 3. A complete and itemized breakdown of the debt, including the original balance, any intere payments, and credits, as well as the current balance.

4. A copy of any assignment or transfer agreement from the original creditor to your company my name and original account number. 
5. Documentation detailing how you verified and validated the alleged debt, including the Proof and the supporting records.

This letter serves as formal notification that I expect the immediate removal of this collection from my credit report and the cessation of all collection activities. Should [ XXXX ] fail to comply, I will escalate this matter further by pursuing all available legal remedies and filing complaints with the CFPB, the Federal Trade Commission, and my states attorney general. 
I demand that the CFPB take swift action in investigating this matter and ensure that my rights under the FDCPA are fully upheld. Please provide me with confirmation that this complaint has been received and is being reviewed. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practice, there transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and XXXX behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.
Product: Debt collection

convergent outsourcing claim i owned XXXX XXXX XXXX and i spoke to XXXX and they said this is fraud and to report it this company cause my credit score to drop XXXX point unfairly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 XX/XX/year>
Product: Debt collection

I was contacted by XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ) XXXX for a debt owed to XXXX XXXX. They threatened to sue me, but would not confirm the last four of the account number, the amount owed, or provide a debt validation letter. They said they are absolutely unable to send me anything regarding this debt. The issue is that I have paid this debt, and was attempting to verify it was the same one. I only ever had one XXXX XXXX Card. I have contacted the original attorney that had the collection. I received a paid in full letter with the last four of  the account number on it. XXXX XXXX XXXX  would not confirm the account number. They would not provide a debt validation letter. They would in no way attempt to verify the amount paid. They would not give me anyone else to speak to.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my credit report. Please remove these accounts from my report immediately, as they are hurting my ability to obtain credit.
Product: Debt collection

Left a voice main on XX/XX/2019. Said in the voice mail, " Attempt to contact you at home address has been unsuccessful it is very important that you speak with our office. Please press one now to speak with a live agent or to contact our office at a more convenient time. Phone number that you can reach someone is XXXX-XXXX-XXXX-XXXX. Your cooperation in this matter is required ''.

Did not say my name, who the company is, or what this is in reference to. The original phone number that called me is XXXX-XXXX-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the late payments on my credit report. These late payments are negatively affecting my credit, and I request their immediate removal.

According to the Fair Credit Reporting Act ( 15 USC 1666b ), it clearly states that 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 information in section 1637b was mailed to the consumer not later than 21 days before the payment due date. Please remove the following late payment accounts listed in my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There's no way for the # credit bureaus to verify late payments unless they have access to your bank account. By law the creditor can't give the bureaus access to your bank account. so how are these late payments being recorded lawfully.
Product: Debt collection

Allied Collection Services has placed negative information for a debt I do not owe. I have never received any forms, signed contracts or any information regarding the debt for which they reported. When I contacted the company they crossed referenced my telephone number and gave me information that was not my personal information. The collector XXXX then asked me for my personal info such as SSN/DOB and only then did he claim that I owed them monies. This company continues to contact me with fake names in attempt to extract my personal information on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed REPEATEDLY with Experian the several affirm accounts showing charged off on my credit report!! They keep lying to the XXXX and say that affirm is not on my report! How coincidental is it that a dispute was opened the same day they said that to the XXXX that I did NOT open. Plus, the dispute process is one sided! Why have a dispute if you always side with the business!! I have proof!! I have also filed with the attorney general!! I will continue to dispute until this is resolved!!
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX