23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at XXXX and one at Advance America. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.
Product: Credit reporting or other personal consumer reports

I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge o and verify its accuracy, including compliance with XXXX XXXX standards for reporting. XXXX XXXX guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the XXXX XXXX compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report. 
Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge o or meet XXXX XXXX requirements, the entry must be promptly removed. 
Please treat this dispute with urgency and provide me with verification within the legally mandated XXXX day time frame.
Product: Credit reporting or other personal consumer reports

My complaint is with XXXX. My original creditor was XXXX XXXX XXXX XXXX. I have a statement they sent me with a payment due date of XX/XX/XXXX. As of that date my credit card payments were late and a payment was never made. The ultimately sold the debt to LVNV Funding aka XXXX Acquisitions on XX/XX/XXXX. The date reported for the debt is the date is was acquired by LVNV Funding ( XX/XX/XXXX ) and not the date of the original delinquency, which was around the summer of XXXX. The debt is being reaged and from my understanding that is an illegal practice. It is a method collection companies use to make it hard on people that owe debt.
Product: Student loan

I have been paying my student loans monthly under the IBR plan for 7 years. When I certified my loans with my employers, a new provider, XXXX XXXX, took over my account. They have only given me credit for about 2 and a half years of payments. 

When I call they tell me my file is under review, but that I have been paying for about 7 years. They claim it will take 3 months to finalize the process and correct my account. I call monthly and no progress has been made since XX/XX/2017 ( 15 months ). They give me the same line every time. I am always very courteous on the phone as are most of the customer service reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a VA mortgage through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our credit report.
Product: Checking or savings account

I got an email from capital one at XXXX on XX/XX/2022 welcoming me to my XXXX checking account. Another my email was sent at XXXX on the same date saying that my email address has been updated. I did not open a checking account with Capitol One and called XXXX XXXX let them know. A representative from XXXX XXXX canceled the account and put an identity theft alert on the account. I have all 3 of my credits frozen and am not sure how an account was open.
Product: Mortgage

Complaint- our loan servicer is not abiding by the Borrower Protection Act or Program in time of crisis for Americans. They have stated it is the investors that own the security that are telling them what they can do. 

XXXX and XXXX XXXX FHA Mortgage Loan, monthly payment {$2000.00} Loan number XXXX Servicer Caliber Home Loans XXXX We are both in XXXX XXXX and with the COVID we would like some assistance. My wife and I called our loan servicer and asked to have 3 months mtg payments deferred to the end of my loan. We told them we do not want a forebearance where we have to pay 3 months payments all at once it does not make sense to even ask that because everything is shut down. Caliber stated the only forebearance program they are offering is one where all three payments would be due at one time and if we couldnt pay it our loan would go delinquent. 

I went to your website and found this article which specifically states there are other options for anyone with XXXX or XXXX backed loans : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-fhfa-announce-borrower-protection-program/ The missed payments will have to be paid back by the borrower. Mortgage servicers are responsible for working with borrower to set up a repayment plan that works for both parties. The missed payments can be added to the normal monthly payments, paid back all at once, tacked on to the end of the loan, or the borrower can have the term of the loan extended. 

https : XXXX If a homeowner requests a mortgage-payment delay and XXXX XXXX or XXXX XXXX backs the loan, the bank cant require a lump-sum payment after their hiatus ends. 
WASHINGTON To combat ongoing misinformation, the Federal Housing Finance Agency ( FHFA ) reiterated that borrowers in forbearance with a XXXX XXXX  or XXXX XXXX ( the Enterprises ) -backed mortgage are not required to repay their missed payments in one lump sum. 

Both of these links specifically mention the types of services that should be available to us and the rest of the citizenry. Please look into this at once, we would like some relief. 

XXXX XXXX
Product: Checking or savings account

I attempted to deposit a check from a brokerage account ( XXXX XXXX ) into a Savings account at Citizens Bank and the check was placed on a hold for 2 weeks. 3 days later I attempted to transfer funds from 2 of my Savings accounts at this bank to a Checking account and the transfer was rejected and my accounts were frozen. The customer service has been unresponsive. Meanwhile I will be unable to pay my credit card bill due to inability to access my funds.
Product: Credit reporting or other personal consumer reports

Credit Agency was mailed FTC report to delete all inaccurate fraudulent accounts, addresses, and employment history on my consumer credit file. Credit Agency failed to provide legal validation off the alleged debts within lawful time frame. Reporting invalidated information constitutes fraud under Federal and State Laws.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices which violated cfpa! Cashapp failed to take acting towards fraud leaving accounts unprotected their depute dept was unfair and despective
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

Bay View Loan servicing is not posting my payments or sending me statements. They are sending past due notices when my payments are ahead of schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting on my Equifax credit report
Product: Mortgage

2 1/2 years ago I applied to refinance my mortgage with Wells Fargo. I had been with them for 15 years, had a high interest rate and needed to lower it. After 3 months of waiting I was refused. I tried to sell my condo 6 months later, had a buyer but she backed out at the last minute. This year in XXXX I tried for assistance with Wells Fargo, due to Covid I was having problems affording my mortgage. After 2 months I was denied. They say they are willing to work with me but how?. They suggested forbearance for a few months. I am XXXX years old, XXXX  XXXX. How could I possibly do that??? Where is the money all of a sudden going to come from, that would put me more in debt!! This doesnt make sense to me. I barely get by and have exhausted my savings. I dont want to go into foreclosure. I was an excellent customer for 15 years so why are they not helping me?? They pretend they want to and then fail to No one will help me unless I am in foreclosure. This is just awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Equifax has again allowed a reinsertion of a collections regarding XXXX XXXX as shown on my Equifax report by XXXX XXXX XXXX . They also will not allow me to dispute that my XXXX student loans have been XXXX as of XXXX/XXXX/2016 and no longer owe the amounts stated. I attempted to notify them that the student loan service agencies will notify them at the end of the month. They will not even allow me to report that I have had XXXX XXXX for 1.5 years and it still is not listed as a positive account on my credit bureau report. I do not have my supporting document scanned to be uploaded and I am very protective as I have been a victim of identity theft and do not wish the document to be abused!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to login to Experian ( https : //www.experian.com/help/login.html ) to temporarily lift a credit freeze that I had previously placed. The login information I had previously used did not work. The " login a different way '' process showed that my valid phone number is not associated with my email address. I did a " forgot username '' process and it sent a recovery email to a hotmail.com address -- I have never used XXXX. I determined that my account information has likely been altered by a malicious actor.

I called the Experian support number and went through automated prompts to try to resolve the issue. The automated prompts hung up on me at least 3 times before I talked to a support agent. This support agent said that they had created a ticket number for the escalation team and that this team would follow up.

Several days later ( XX/XX/XXXX ) I had received no information so attempted to call again. This time the automated support hung up on me 3 more times. I called a corporate support number and was routed to several different agents. Each agent said that they did not work in the appropriate department and that they would transfer me. The numbers that I was given to call back all routed to the main automated support number. After 2 hours and perhaps 6 different attempts, I finally talked to another agent who informed me that I need to physically mail or fax identifying documents to have the escalation team look into my issue.

This experience has been so difficult that I wonder if it's not intentional. My particular support case has no resolution other than to speak with a human, and speaking with a human at Experian is monumentally difficult. I have no confidence that my case will be followed up unless I follow up personally, and I've already spent 4-5 hours on such follow-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a credit report agency can not furnish any information without my written consent.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Amount 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: Credit card

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected on my current capitol one card account number beginning with XXXX.
Product: Credit card or prepaid card

This is in according to a dispute with TD XXXX XXXX XXXX  case amount is XXXX merchant name is XXXX XXXX of the XXXX XXXX transition date is XXXX XXXX XXXX I ordered two tickets for the package above and only received one ticket Thats why I filed the claim I was told that time that the review process they had up to pass the date of the concert in that time I told that I was not going to use the ticket if I hadnt received an answer to the college came and went and they reviewed the case and paid me for half of the amount because I received one good ticket by then the ticket was no good so I had to file a dispute again its the same case number XXXX XXXX  XXXX XXXX and I explain to him that theres no way I couldve known or sold the ticket I bought two tickets because I was going with a date In the pursuing months I called the number and was put on hold XX/XX/XXXX times for over two hours then disconnected I probably spent 12 to 14 hours Im hold With them they made it impossible to deal with them I was told in the third letter that youve been forwarded that they ruled in favor but nothing was put into my account Im locked out of my online account and Im working on printing out my credit card statements up till now when this began in XXXX and Add a friend ordered two tickets to the same show and only receive one but he was with XXXX XXXX and they covered it and refunded his money in two days the way XXXX  Treated me there was no way I could succeed the last conversation I had said they would get back to me on why the last payment wasnt put in I still havent heard from him
Product: Debt collection

Dear RECEIVABLE MGMT GROUP After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Debt collection

( ARS ) account resolution svs is not licensed to collect debt in the state of Florida
Product: Checking or savings account

My car was broken into and my checks were stolen, I did not realize that they were stolen. XXXX checks were cashed in my name at different times for smaller amounts. When I noticed the second check, I immediately called Wells Fargo bank and reported both checks that I had not cashed as well as changed my account number and request requested new checks Wells Fargo sent me a letter saying that they could not reimburse me for the checks that were cash in my name and the money that was stolen from me because I had been so long since the time had passed. I had called one week after noticing the second check was cashed. I did not notice the first check because it was a smaller amount and it just went right along with my transactions. Wells Fargo acknowledge that there was a problem with my account and they changed my account number gave me a new card sent me a new checks, but they are refusing to give me the money back that was stolen from me. Wells Fargo should have noticed that the checks were not consistent with the checks that I cashed along with. It was not my signature. This is a error in Wells Fargo for not detecting that it was fraud. I am requesting to be reimbursed for the money that was stolen from me. 


As soon as I noticed, the second check had been cashed. I contacted Wells Fargo immediately and I had reported both checks. I contacted Wells Fargo approximately one week after the second check was cashed and then I looked into my account summary and thats what I found the first check. 


I understand that its my fault for not reporting this in a timely manner however, I did not notice. I reached out to Wells Fargo and I submitted a complaint through the CFPB and Wells Fargo responded to me saying they were denying my claim and not paying me back the money that I am owed. 

Im submitting another claim for another investigation and I have reached out to Wells Fargo and I told them that I will be closing my account and walking away from them as a customer of over 10 years if they do not come to a resolution of this problem.