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

I had an auto loan with Wells Fargo. In XX/XX/XXXX I started noticing that they reported that I was a payment behind on my auto loan for my XXXX XXXX XXXX. I called them because they went back and changed everything on my credit report showing I was a month behind. When I contacted them they said that I missed the XX/XX/XXXX payment. At that time I went to my bank and they pulled the check and gave me a copy of where the check was received and cashed by Wells Fargo on XX/XX/XXXX. I presented this information and then they said no, it was another payment. I got the next payment they said that I missed and sent them a copy of where the check was cashed by their institution. After going around in circles with them I submitted a complaint to XXXX. I think the guy 's name that was helping me at the time was XXXX. My complaint ID with them at that time was # XXXX. We eventually submitted payments for the entire history of the loan to Wells Fargo and their delinquencies were supposed to be removed from my credit reports as well as my co-signers credit reports. However when I went to review my credit report a few weeks ago, it was on there and this time they showed more delinquencies, even after I traded the car they showed that I missed payments. I officially signed docs on my new car XX/XX/XXXX to get away from this horrible company. They were even paid off by XXXX XXXX XXXX prior to that date. Please help me with this because Wells Fargo knows that they received every payment on time from me and it was proven. XXXX at the XXXX stated that Wells Fargo has a history of doing stuff like this. Every time we spoke to one person they would switch us to someone else. Then when we would call back they would say that person didn't work there anymore. XXXX even had this problem for a while.
Product: Payday loan, title loan, or personal loan

This company has been calling everyday and after I have talked to them they send emails. Im tired of harassing calls. Two emails XX/XX/XXXX and XX/XX/XXXX after I had just talked to them. They will at least twice a day.After I got the money I looked and seen how much interstate they were charging, which was bull XXXX 4x I pay back what I borrowed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Please note that this is the 5TH time I am sending in a complaint in which I also have supporting documents of the nature of the unfair and unlawful practices Experian chooses to use. I have been disputing an account for approximately a year now in regards to my Experian Credit File. The account in dispute is " XXXX XXXX XXXX listed for {$2000.00} ''. I have been telling Experian that this debt does NOT belong to me over the course of a year in which Experian is supposed to take the steps under the FCRA to investigate fully as well as report fair and ACCURATE information on all consumers credit files ( which they do not and have not and have failed to keep their business practices lawful and truthful ). Experian has taken it upon themselves to NOT investigate properly or report the accurate information on my credit file and below you will see why I say this. 

I have supporting documents from the company " XXXX XXXX XXXX '' themselves stating they were not able to verify the debt as being mine. They sent this information through the XXXX  website as well as the letters they stated they were sending in to all 4 Credit Bureaus in regards to the deletion of the debt. Please note they also sent me a copy of the deletion letter ( uploaded through the XXXX  website from XXXX  ). I took it upon myself to also send in the copies of the letters to Experian in which the letters clearly states the debt is NOT mine and the request for removal from my credit file which I sent out on the XX/XX/XXXX. I today receive an updated disputed credit report in which Experian stated that " Unless I send them additional RELEVANT information to support your claim, they will not reinvestigate the information again. '' WHAT?? If this is how they handle a letter straight from the creditor dated XX/XX/XXXX of 2019 then this company is looking at a lawsuit soon! This also made me aware that they DO NOT investigate or pay attention to any of the hand written, eligible, and relevant proof that people send in, which also means they are not following or abiding by the FCRA. Please be aware that I sent in the copies of the letters uploaded through XXXX  by XXXX in regards to the account with my typed and signed letter requesting the immediate removal. 

This company is messing with so many people 's livelihoods by reporting false and inaccurate information and LYING to the public and consumers about " investigating '' accounts. They should be stopped and held accountable for this type of poor business. I have been held up for a year now on big purchases because they refuse to keep and update information so they can keep consumers behind and in debt on paper, it's absolutely disgusting.
Product: Student loan

I was sent a letter saying the financial services I was repaying my loan has a lawsuit against them and I need to be granted a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$330.00} CB INDIGO last reported a late payment on XX/XX/2022 for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the account of {$810.00} XXXX XXXX XXXX  last reported a late payment on XX/XX/2022 for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRAthat you, the all three credit reporting agencies, XXXX, transunion and experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. On these accounts, collections, and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested form the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Student loan

My federal student loan servicer is Nelnet. I completed my income-driven repayment plan application on XX/XX/2023 through studentaid.gov, as well as my consolidation loan application for my Perkins ' loans ( email attached for proof ). Nelnet still has not processed my income-driven repayment plan application, although they processed my consolidation application on XX/XX/2023. I contacted Nelnet on XX/XX/2023 regarding my application. I wanted to make sure my application was processed before XXXX because my loans would start building interest in XXXX. Nelnet told me over the phone on XX/XX/XXXX that they were having problems with processing applications, so my loans would be placed on an administrative forbearance until my application was processed, and my loans would not accumulate interest. They also told me my application would be processed by XX/XX/2023. However, they told me they could not send me a confirmation email with this information because " all of their emails are templated ''. They then sent me a templated email stating that I would be placed on a forbearance but my loans would build interest ( although this would not have happened if I had been able to start paying off my loans on an income-driven plan ) ( email attached ). My application still has not been processed as of today ( XX/XX/2023 ) and I have accumulated almost {$1500.00} dollars in interest because I am not able to make payments ( although they told me my loans would not build interest ). I called them again today ( XX/XX/XXXX ), and they told me that my application will be processed in 15-20 business days. However, my loans are continuing to build interest and I can not make payments towards them because I was automatically placed into the " standard plan '' although I qualify for income-driven repayment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon reviewing my credit report, I noticed a list of unauthorized inquiries and transactions that are not of my doings. XXXX XXXX XXXX dated XX/XX/2024, XXXX XXXX XXXX  Inquiry dated XX/XX/2024, XXXX XXXX XXXX dated XX/XX/2024. Alongside collections report from XXXX XXXX XXXX XXXX reported XX/XX/2024XXXX XXXX XXXX XXXX XXXX reported XX/XX/2024, XXXX XXXX XXXX reported XX/XX/2024.
Product: Checking or savings account

Chase bank has decided to end their relationship with me because they told me I was deemed a risk however this is due to the claims agents overseas who have repeatedly made mistakes on my claim and reported incorrect and inaccurate information which caused my account to be closed. Apparently this was related to a claim which I have not only reported to them but I have also provided a police report to them as substantial evidence to support my claim. Apparently the claims agents overseas have rushed my initial call while filing a claim and has caused my claim to be rejected even though I have reported my lost debit card to the police department. I have also reported a fraudulent check which was deposited in my account without my authorization or knowledge which the agent clearly missed on the claim which also caused the closing of my account. I have done nothing wrong as a consumer and an investigation needs to be launched on the claim agents who took my calls and reported inaccurate information who caused my account to be closed.
Product: Payday loan, title loan, or personal loan

My wife received a call on XX/XX/XXXX from XXXX XXXX from phone number XXXX claiming to be from XXXX XXXX XXXX. This company has no website. I found a XXXX profile that takes you to website XXXX ( XXXX XXXX XXXX ). We spoke and to XXXX and it all sounded fishy. She says Mediation from XXXX XXXX XXXX and that my pay is going to be garnished from a loan back in XXXX for {$1000.00} to a XXXX account but then offered a settlement for {$800.00}. When I asked for any documentation she said they do not send any documentation but I could contact the company " Checking into Cash ''. She gave me the original account number : XXXX. She claims they have 15 years to try and get these funds back. I informed her I was under the impression Maryland does not allow payday loans. We went back and forth and I told her I disagree with this entire " case '' she is presenting. 

I tried calling " Checking into Cash '' ( https : //checkintocash.com/maryland/ ) they will not answer the phone. I waited for XXXX minutes with the messages saying what queue number I was on XX/XX/XXXX. It got to position 1 and hung up saying it could not complete the call. Today XX/XX/XXXX I go an automated call from XXXX a person answered the phone and said they were from XXXX or XXXX something XXXX mediation. She asked why I was calling I said they called me, she said it was automated and immediately transferred me to the same lady XXXX. XXXX asked why I was calling I said they called me from some mediation company she said she didn't know who that was and it couldn't be right and after insisting I did not call she said this is XXXX something mediation for XXXX XXXX XXXX. She said this will affect me financially having my pay garnished. I told her I will gladly see them in court since no one will provide documents or answer the phone. More importantly on the checking into cash website it says right on the screen their services are not offered in Maryland so how could I have a loan from them? Also Maryland has a 3 year limit on debt collection and this was supposedly from XXXX making this just shy of 7 years given the date she claimed XX/XX/XXXX. More concerningly she had my full social and dob. I tried calling checking into cash again today XX/XX/XXXX spoke to someone that immediately transferred me to the hold line again, waited for the queue got to position one and again it hung up on me. 

I have never received any money from this company. 

Phone numbers used : XXXX, XXXX I believe this is a scam but if it is not for some reason- it is entirely invalid. There have been no letters or contact or anything on any credit reports or background checks which I have completed recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Received a call from this number. Called it back and was told they were calling from Alternative Dispute Resolution or ADR and was asked to verify the last XXXX digits of my social, which I DID N'T and then was told " Do n't worry because we 'll be sending a sheriff out to your house. '' at which point I laughed in his ear and told him that he really would n't and then hung up the phone. They called from XXXX.
Product: Prepaid card

I did not receive my edd card and when I asked for card it was delivered in XXXX. My befits did not get put on my account into XXXX  of XXXX. When I asked unemployment for checks I was told my money was put on a debit card.
Product: Credit card or prepaid card

Comenity/Wayfair at XXXX XXXX XXXX XXXX OH XXXX has been reporting a charge off in the amount {$5700.00} on my credit report. charge off has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card

I had my vehicle towed and doing the towing process my vehicle was damaged. I called the company XXXX XXXX, they were supposed to cash me back and they never did. So i called capital one my credit card company and they started a dispute. They requested documentation like a statement from myself on what happened along with how i tried to resolve the matter with the merchant and a receipt of goods which i sent them as well, also pictures of my vehicle. They began the dispute process. Then they sent me another letter requesting the same documentation that i previously sent, which i resent them again. Now theyve closed my dispute and i lost because they are claiming i didnt sent them the proposer documents. I called them and they said there is nothing they can do since it is beyond the date.
Product: Mortgage

I was behind on my home mortgage, so to keep the house from being foreclosed on and stop the late payments I did a modification of my loan. By doing this i was assured that the late pays would stop. They did n't stop showing rolling lates on the loan even after the modification was done. I 've tried disputing it with the company and the credit bureaus but have had no success. I make my payments on time and it still shows late pays every month.
Product: Student loan

On XX/XX/XXXX, my Public Service Loan Forgiveness annual recertification was rejected for not having an employment start date, despite having been employed by XXXX as an XXXX since 2008, which my original form would state. <P/>I resubmitted electronically with a new form. I received a second rejection, this time stating I did not list a start date nor was the XXXX XXXX valid. I have downloaded the document I uploaded to the servicer and both details cited as reasons for rejection are in the document and valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector XXXX XXXX XXXX, reports two collections as open, loan account types with the balances and past due amounts of {$2000.00} and {$2200.00}. I disputed the accounts online XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed the inaccuracies with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX XXXX by certified USPS mail XX/XX/XXXX XX/XX/XXXX. I requested validation of the alleged loan they contacted my mother about. I responded I asked the debt collector to cease and desist because they could not validate the request for complete or accurate information after 45 days. XXXX XXXX XXXX continued to update all of my credit reports with the two loan balances beginning from XX/XX/XXXX to all credit reporting agencies saying the consumer disagreed. During the dispute the items were not removed. on XX/XX/XXXX, and every month the same inaccurate unverified information is updated. Each dispute I submit has came back verified. XXXX deleted the account approximately XX/XX/XXXX.
Product: Debt collection

I entered a consumer credit transaction on XX/XX/2022. Transaction number XXXX. Navy Federal Credit Union stated that it was a loan and tried to deceive me into thinking I am the borrower and they are the original creditor. When all I am doing is extending my own credit under 15 USC 1602 ( g ). And Navy Federal Credit Union is trying to deceive me stating its a loan, when it comes with a finance charge ( 15 USC 1605 ( a ). So if its comes with a finance charge hows it a loan? When all I am doing is selling credit. This is false and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, creditor XXXX Account # XXXX, creditor XXXX Account # XXXX, creditor XXXX XXXX  Account # XXXX creditor XXXX XXXX XXXX Account # XXXX, creditor XXXX XXXX creditor XXXX XXXX XXXX  XXXX XXXX Inquiry date XX/XX/2020 XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquires XXXX  XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX has violated my rights. 


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

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

Purchased a XXXX XXXX XXXX from XXXX XXXX Toyota, XXXX, NC on XX/XX/XXXXXXXX XXXX The vehicle and warranty was paid in full for the amount of {$37000.00}. Southeast Toyota Finance XXXX, AL XXXX continues to send repeated statements and make harassing phone calls about payments. Southeast was told directly that I did not owe anything on the vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft ( 15 USC 1681c-2 ( a ) ) Dear XXXX Team XXXX I am writing to formally demand for the immediate blocking and deletion of fraudulent and inaccurate accounts associated with my credit report, pursuant to 15 USC 1681c-2 ( a ), the Fair Credit Reporting Act ( FCRA ). I have been a victim of the XXXX data breach, and as a result, my personal information has been compromised and used fraudulently. 
The following accounts are not mine and were fraudulently opened : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : A copy of my government-issued photo ID ( e.g., drivers license or passport ). 
A copy of a utility bill or another document verifying my current address. 
A copy of the FTC Identity Theft Report documenting the fraudulent activity. 
Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency. 
2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
This matter requires your immediate attention, and I thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Social Security XXXX XXXXXXXX XXXX