23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My installment loan through Wells Fargo has always been paid on time with no issues for the life of the loan. In XXXX 2015 I was locked out of my on-line account and could not resolve the issue or log-in. Therefore I was not able to make my monthly loan payment on time as I always have. Prior to XXXX days late, I finally spoke to someone in person ( their automation system is horrible both on-line and via phone if you do not know your account number, etc ) and told them I mailed a check and asked specifically about it being reported late. I was told that it was noted, not an issue and I did not need to worry about it. 

A few days later I got a credit notification that I had a late payment. I immediately called Wells Fargo and had them reset my online account and paid again, effectively XXXX-paying for XXXX. I complained to my agent and asked to speak to a supervisor ( which I was hung up on ). After calling back I was told that there was nothing they could do and said to contact the credit agencies. 

I have tried disputing the fraudulent claim on my account XXXX through XXXX without resolve. I am desperate to have Wells Fargo fix their error as this lowered my credit score over XXXX points and I am in the process of building a home. They had the audacity to call me and ask if I wanted a car loan! 

This is my last step prior to seeking legal action against Wells Fargo and/or the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I spoke with Equifax fraud department associate XXXX. I explained to her I needed access to my Equifax.com it was giving me an NH code. I explained that XXXX XXXX Card should not be on my credit file. 
This card was placed on my file XXXX in the amount of 0 as a charge off. My request was to have this credit card validated and not verified. I asked for the card to be validated with a written signature or an electronic signature. I also asked for the address to be validated on this account. I explained to this associate it is Defamation, Negligence, and supporting identify fraud. 

I explained XXXX and XXXX had to remove over XXXX different addresses on my account for which was Fraud. If this is not removed I am going to sue Equifax for data breach information and placing inaccurate information on my account.
Product: Credit reporting

Accounts were removed in XXXX XXXX and equifax began re-reporting accounts after removal. Accounts were removed in XXXX XXXX and reinserted in XXXX XXXX. 1. Accounts were paid before being sent to collections. 2. Accounts were removed 3. Accounts are past the statue of limitations on which it can be reported. Please remove accounts from my credit file ASAP. Accounts needing to be removed are commonwealth financial services {$730.00} {$76.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code XXXXe ( b ) and XXXX XXXXXXXX  XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX Please take action and remove them from my credit report asap! 

Account Name : XXXXL XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX OFFICE O # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion EXPERIAN XXXXXXXX XXXX3/22/2023Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX BANK XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows that I opened an account with XXXX XXXX   which is not accurate I attempted to open an account but was declined by XXXX XXXX XX/XX/2015 this account is closed and should be removed off my XXXX XXXX XXXX Report. I need XXXX XXXX XXXX to provide all methods used by them to verify this account information as accurate. This incorrect information will be used by financial institutes to decide if they should extend me credit and other offers which I have been declined for in the past
Product: Consumer Loan

The vehicle loan was behind on XXXX payments, and we received a notice to cure default. The co-borrower called and set up an ACH for XXXX XXXX. I received another letter as to payment being in default after XXXX XXXX, and that the vehicle was going to be repossessed so I called on XXXX XXXX to make payment to cure the default. I was told by a customer service representative that the ACH payment was made on the XXXX and the loan was showing current except for XXXX in late fees and XXXX 's payment. They would n't accept my visa debt over the phone and would only accept check acct information. So I could n't pay the them at that time. Apparently, on XXXX XXXX there was an issue with the ACH, which was approximately 15 days after the original ACH date. Instead of calling the co-borrower and letting him know there was an issue with his account or calling me that just called the day before to cure the default they issued a request for the truck to be repossessed. It was my understanding on XXXX XXXX that the default was cured, so Suntrust is demonstrating unfair and deceptive practices by failing to give notice that the account is no longer current. The truck was picked up on XXXX XXXX in the morning under repossession order. Suntrust further demonstrated those deceptive practices by telling me that they did n't have to inform me of the issue with the ACH or ask for the defaulted funds before getting vehicle repossessed even though I was willing to pay the funds to cure the default. It is my opinion, the Suntrust was out for unjust enrichment because I went from payment of {$1200.00} to cure the default to payment of approximately {$5000.00} to cure the default, which is outrageous. The original amount of {$1200.00} would have been paid if I would have received communication from Suntrust saying there is an issue with the ACH. Considering the issue occurred 15 days after the original date of ACH, I believe that Suntrust made the mistake. I paid to get the truck out of repossession and I am still receiving letters from Suntrust telling me that it is selling my vehicle on XXXX XXXX and telling me the total amount of what is due. I paid more than the amount to cure the default and I am still being harassed by Suntrust for more money for a vehicle that is n't even in repossession. I personally believe that I should receive a refund of the money over the default of the account due to the deceptive practices of Suntrust and continued notices received from Suntrust. I also believe that the repossession should be removed from my and the co-borrower 's credit report because if given the opportunity and the information I would have cured the default without a repossession.
Product: Checking or savings account

Transferwise bank closed my persnol account. In my account have more then $ XXXX also XXXX pounds and XXXX euro. They closed my account without any resason and notification and hold my funds. I need my account and funds asap. Because I have to pay bills. I will be really thankful to you. 
Email : - XXXX Phone no : - XXXX Address : - XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Last transfer number : - XXXX
Product: Credit card

Over the past XXXX years, about once a month ( or XXXX months at the most ) CapitalOne BLOCKS a transaction for " SUSPECTED FRAUD. '' They have BLOCKED over XXXX transactions for " fraud -- NOT XXXX OF THEM WAS FRAUD '' Each I have to spend XXXX minutes on the [ phone with CapitalOne to say it is NOT fraud and then another XXXX minutes redoing the purchase. I am VERY annoyed AND I AM going to SUE THEM for my TIME SPENT dealing with their XXXX and my ANGER AND IRRITATION.
Product: Debt collection

Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/19 and spoke to one of their management team Ms. XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!!
Product: Vehicle loan or lease

On XX/XX/XXXX I overnighted a check to pay off my lease on a lease end purchase from US Bank on a XXXX XXXX XXXX. The amount was XXXX on Lease Number XXXX. On XX/XX/XXXX, the payment arrived and was signed off - XXXX XXXX # XXXX. 

On XX/XX/XXXX, I received a phone call from US Bank inquiring what I was planning on doing with my lease. I advised that I had sent in all my paperwork and the check was overnighted and received. I gave the person my XXXX tracking number. He had to investigate it and came back on the phone to state that he talked to lease end maturity department and they said they could not process my payment due to the fact that the legal line did not match the amount box on the check. Wouldn't it have been nice if someone had called me? I then asked the representative how I could expedite the payoff of the lease and he advised that he could take the payment over the phone for the lease amount. I provided my routing and account and he came back on the phone to tell me the most he could process was XXXX. I asked if he wanted to take my payment in increments as the money was there. He thought it was better He then provided me the information for a bank wire transfer to US Bank. XXXX XXXX with specific instructions on what to put in the memo section. I immediately notified my bank and they wired the money to US Bank. 

On XX/XX/XXXX, I received a phone call from US Bank asking me again what I planned on doing with the lease. I advised if she could read the notes on my account as I had just spoke with a representative on Friday XX/XX/XXXX and the rep said there were no notes regarding my payment. I then advised of the bank wire transfer and she said the lease maturity department does not take bank wire transfers. I said, why was I provided the bank wire information by US Bank if that was the case. After being transferred 3 additional times, they were able to locate my bank wire payment. And then I was told that they would need to send it back to me and that it could take 5 business days and I would need to send another check. I asked why I would need to send another check when they already had my money? I was given the excuse that it was with another department of US Bank which was the collections department. I advised that the collections department should be able to refund my money to the lease department. And the worst part is that they are now threatening collection actions if I don't send in a check when they are the one 's who have my money. I have spoken with a Senior Rep ( asked for a supervisor ). How can a bank treat a client like this? How can they provide me an expedited payment method through bank wire and then after they have the money refuse to apply the payment to my lease. They told me their procedures were that they can not accept bank wires for lease payments but they clearly did. 

Currently this has not been resolved and have been waiting on a call back all day.
Product: Debt collection

I received a letter in the mail a few weeks ago from a collection agency saying I owed {$700.00} to XXXX. I immediately called the collection agency to dispute it. I received another letter in the mail on XX/XX/23 saying I owed them money. I called the debt collection company on XX/XX/23 and disputed it again, I asked them what proof they needed to prove this debt was not mine. They directed me to ftc.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by Equifax, XXXX and XXXX which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked Equifax, XXXX and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.
Product: Student loan

I have made payments to the bank ( KeyBank ) servicer XXXX XXXX XXXX ( XXXX ) and they are failing to properly credit my account ie. applying payments to federal loans only and not applying to my private loans. As a result they are incorrectly charging penalties, interest and ultimately reporting false information regarding late payments to the credit bureaus resulting in an unjustified low credit score when since XX/XX/2018 I have made multiple payments to them.

I have my bank statements and the email confirmations from their systems regarding payments. I want them to review all of the payments made in XX/XX/2018 to determine where my money is going and to find out if they are properly crediting my account. They also need to remove the late payments and interest for all payments from XX/XX/2018 toXX/XX/2018.

Further, I have mentioned to them that I am now unemployed as of XX/XX/2018and as of this writing they have failed to immediately provide me with proper documents ( why must they mail blank forms in 10 days vs. email?! ) in order to assist me with the restructuring of repayment of my private loans so that there is no default/further interest rate charges. They were able to assist with Federal loan deferment over the phone! They cause unnecessary delays when they can fax or email blank forms to me directly ... its ridiculous. Further, the right hand is not talking to the left. The bank contracts with its servicer to collect payments from me, yet they can not speak to them directly to find out if payments have been made or credited. I have to be subjected to unnecessary harassment by the collections department when my documentation clearly shows I am making multiple payments ... requiring me on a conference call is a clear delay tactic as they should be able to talk directly to the company they hire to collect funds from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX mi XXXX XX/XX/XXXX Creditor Name Attn : XXXX XXXX To : Whom It May Concern : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT INQlJJRY REMOVAL LETTER This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. l have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my XXXX XXXX consumer report on DATE without my permission, or without a permissible purpose by law, you arc also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681 b ( a ) 3 ( t ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with ally finance Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with ally finance for review or collection.

Pursuant lo 15 U.S.C. 168ln ( a ), " Any person who knowingly and willfully obtains information oo a consumer from a consumer reporting agency under false pretenses shalJ be fmed under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating tl1e FCRA, I am willing to settle your civil liability damages I have sufiered as a result of your violation for XXXX pursuant to FCRA 616 ( a ) ( l ) ( B ) [ 15 U.S.C. 1681 n ]. Should you fail or refuse to settle tl1e matter by tendering payment in the amount of XXXX XXXX within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX deleted from my Transunion, XXXX XXXX XXXX XXXX placed the account back on my Transunion, and Transunion did not notify me within 5 days.
Product: Payday loan, title loan, or personal loan

I wanted to pay off my loan, but the website will not accept my payment. Then, when I tried to contact the company to work it out, all contact information was wrong. There was no response. Now, there is no way to remove my card information from the system and stop them collecting each week. They want to charge me over {$1000.00} extra by not allowing me to pay off my loan now by having no contact information. I want this company prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under XXXX but the very first billing statement from XXXX XXXX stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over XXXX dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with XXXX  making the process very difficult. The account was finally closed in XX/XX/XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist.  This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Debt collection

On Mon, XX/XX/2021 at XXXX XXXX XXXX XXXX wrote : ____________________ Please see attached notification of a traffic violation for the Municipality of XXXX. We are the authorized servicer in the United States for recovery of the unpaid fine related to this violation. 



Protocol # XXXX Ticket Date : XXXX License Plate : XXXX Amount Due : {$450.00} Reason : Circulating in a restricted traffic zone As an opportunity to satisfy this obligation, we have been authorized to settle this matter as follows : SETTLEMENT AND RELEASE OFFER Payment of {$300.00} made on or before XX/XX/2021 Upon receipt of XXXX in collected funds as stipulated above you shall be released from any and all obligations which exist now or which may arise in the future with respect to Protocol # XXXX. There shall be no further obligations due from any party upon settlement of this matter. 



Payment options include making payment on our online payment site - Kehoe_Payment_Online. You can also call in to our office to speak with a representative and make a payment over the phone. All mailed in payments should by drawn payable to Kehoe Financial Group , LLC and mailed to the following mailing address : Kehoe Financial Group LLC XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX, New Jersey XXXX Confirmation will be sent upon receipt of the payment to verify that these matters have been closed. 



XXXXhoe Financial Group XXXX This communication is from a debt collector ; any information obtained may be used for this purpose. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it.