23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

fedLoan Servicing provides contact information that the customer is supposed to use to get information from the loan service provider regarding their loans. I called the phone number clearly provided by the loan provider ( XXXX ) to try to reach the loan provider regarding " rebate adjustments '' that were added to some of my loans on XX/XX/17. I wanted clarification on what these " rebate adjustments '' were I was not certain why they were added to my loans. After dialing the number, I went through the numerous phone type checkpoints where I verified all my information and where they repeatedly asked my if I wanted to make a payment. After a bunch ( how many is a bunch lawyers might as *eye roll* ) I was told by the robotic recorded voice that I was 1 minute away from speaking with  a customer service representative. The phone rang a couple times and then the call ended abruptly. I did not hang up and the call ending was certainly due to something on the loan provider 's end. How can I be so certain I didn't end the call ( is probably something lawyers would ask XXXX XXXX )? I called back directly after and that call ended abruptly as well, this time before the robotic voice even read me a menu. 

All I want is information about my loan. I would like clarification about what a " rebate adjustment '' is and how/if I can avoid incurring them in the future. I shouldn't have to call repeatedly to speak with a real person to get this information, not to mention that this information should just be easily and readily available without having to contact customer service in the first place. Thank you very much Loan Provider for my education, I really can not extend more gratification towards the incredible opportunity that you providing me these loans has granted me. I would like to pay you back in full, with interest! I think you deserve that. That being said, quit being so XXXX XXXX and have some decent customer service ( oh my  gosh he used a derogatory slur *eye roll* ). 

Keep your dicks in your pants and leave the female interns alone. Im looking forward to hearing back from you. Thanks - XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the inaccuracies in several accounts listed on my credit report, which I have previously disputed multiple times. Despite my ongoing efforts and requests for a thorough investigation, these issues remain unresolved, causing significant damage to my credit file and affecting my ability to live a normal life. 

The erroneous information continues to negatively impact my financial standing and has resulted in severe hardships. I kindly request that you conduct a prompt and detailed investigation into the reporting of each disputed account and take the necessary steps to rectify and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for regaining control over my financial well-being. I sincerely urge you to prioritize this matter and take swift corrective action. 

Thank you for your immediate attention to this issue. Your support in resolving it promptly will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A states that 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 an account without my written instructions. See attached documentation
Product: Checking or savings account

On XX/XX/XXXX I sent a payment of {$1400.00} to my landlord for rent through XXXX. I also sent her XXXX additional payments in which she returned all XXXX back to me. I received the other XXXX payments ( {$2000.00} and {$1500.00} ) but I have not received the {$1400.00} reversal. I have been working on this with both banks ( mine and hers ) since XX/XX/XXXX. After getting the run around for a couple of weeks, I finally asked for help from a supervisor and they stated they were submitting a request for an internal investigation to be completed. I was told the internal investigation would take XXXX business days, it took another week and a half. After the internal investigation was completed, they came back and said the same thing they had been saying the last couple of weeks. Despite the fact I was told they would work directly with my landlords bank to try and figure out where the funds landed. After the investigation was completed, I was told to dispute the money, which I did ( on XX/XX/year> ). My bank denied my claim due to untimely reporting. However, I have been actively working on this since the XXXX of XXXX. I was waiting to hear back from my bank and that took over a month. I asked the claim to be escalated and that escalation was also denied! Please help me recover my money. The money is somewhere, but I do NOT have it and my landlord DOES NOT have it either. I have worked directly with her bank and mine and her bank has confirmed and reconfirmed that the money was sent back properly. I also saw the screenshot of this. My bank has confirmed and reconfirmed that I have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my rights and did not do a proper investigation for the account reporting XXXX XXXXXXXX account # XXXX After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Debt collection

This CBE Group keeps calling but leaving no message. They call several times a day. I understand they are a debt collection agency. I do not have any debt and there is no one else in my household who owes any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

I received several calls from Transworld Systems Inc recently, and like most people, I do not really answer unknown calls. XXXX  have contacted me before in the past and were not familiar with TSI. I paid a portion in XX/XX/XXXXXXXX ( when they were XXXX ) and then on the following dates, my credit report was flagged several times within the month. 

On XX/XX/XXXX they flagged my account to the credit reporting agencies. 
On XX/XX/XXXX they flagged me again. 
On XX/XX/XXXX, I paid them due to feeling threatened since they were attacking my credit of {$120.00} and on XX/XX/XXXX, they flagged my account again. 

As of yesterday, 18 days later they flagged the credit bureau again. I feel that these are bad business bullying tactics coupled with the agent telling me they would in many words attack my credit is absolutely horrible and unjust considering I made a payment last month and plan on making one this month, and work on paying this off. I still worry they will attack me in this fashion. I am a XXXX XXXX  and single mother and these bad business practices effect how I can care for my child  as I just moved to a new city ad they are eating away at my credit score which effects me finding suitable living for my XXXX. My credit score has significantly suffered a loss of 24 points in 35 days despite a payment due to them. This is damaging and I feel the no one should have to succumb to this.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act convergent account XXXX XXXX account # XXXX, has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC1681 Section604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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.

15 USC 1681 ( e ) b States the accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates.

Im also requesting a 1099 c form all charge offs is income This account is inaccurate it was charged off three times but written off once
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 XXXX, XXXX XXXX and Equifax has been reporting inaccurating information to report.
Product: Payday loan, title loan, or personal loan

They called me in XX/XX/2023 to settle a debt but they threaten me that if I do not make a payment plan that they will come to my job or come to my house and also garnish my wages. They also told me that they have my Social Security number. I tried to start a payment plan with them and is not able to pay it back at the moment so now they called me again. XX/XX/2023, and they are saying the same thing. If I dont settle the debt said theyre threatening to come to my house or my job or garnish my wages.
Product: Checking or savings account

Please see below with regards to blocked online banking with Wells Fargo : I have had no problem with my online banking for the last year that I have had my account since being in America with Wells Fargo. Within the last 2 weeks both my friend and I have had our accounts blocked and were told that it was done by the fraud department. When we called, they told us that they could not tell us why they were blocked and that there is way to tell us over the phone. We HAVE to go into a branch. Please bear in mind that we live in Vermont and work in the middle of nowhere. The closest branch is 73 miles away. On top of this we are international workers and do not have any transport. We now have to possibly find people who are prepared to help and pay them to try and help us to go to a branch to get help since they are REFUSING to assist us over the phone. 

I called them this morning ( XX/XX/17 ) and was told that the normal online banking department could not help me. They told me that they had to send me to the Fraud department. I then spoke to 3 different people in the fraud department and they all told me that they do n't know the problem, i have to go in and then they will be able to assist me. I also have to take 2 forms of ID with me into the bank. The more I explained to these people that i can not get to a bank, the more they explained they can not help me. 

I find it pathetic since answered all the questions they asked including my last transaction etc etc etc. I have all the names of the people i spoke to and the times of the calls. What I also find ridiculous is how not one person could give me a reference number for one of my phone calls.

Additionally, i also received an email from Wells Fargo on XX/XX/XXXX saying that my account communication had been changed from email to post/mail. I never requested this and neither did my friend but she also received this email from you. I personally believe that you have a glitch somewhere in your system that not one of your employees is able to detect which i think is beyond unprofessional. 

I have not updated info that needed to be verified, I have not done anything suspicious that calls for them to review my activity and therefore block it and when I call there is no one that can assist me, including your managers that I spoke to. 

I am also not sure if it is because we are both International and you are therefore not interested in assisting us as you would a citizen or if your overall incompetence is just a general work ethic with all your clients. 

What I would like to have happen is : a reason as to why our my account was blocked, a reason why none of your employees could assist me and i would like to have this resolved within 48 hours although i am sure thee may be some excuse since it is now the weekend.

Please see to it that this is resolved immediately. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have never got my matter resolved since Bank of America is violating my rights. I have made 7 calls and left messages with the information below but never got a hold of anyone. The credit issue is damaging my life and demand this be resolved immediately. 

I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report related to my Bank of America account . This debt was canceled, and as such, under IRS regulations, it should be classified as ordinary income. However, it is still being reported on my credit report as an outstanding debt, which is contradictory. 

Furthermore, I have never received a 1099-C form, which creditors are required to send in cases of canceled debt over {$600.00}. Failure to issue this form is a violation of IRS regulations and the Fair Credit Reporting Act ( FCRA ). The FCRA, specifically 15 U.S.C. 1681s-2 ( a ), requires furnishers of information to report accurate and complete information to credit reporting agencies. Since this is canceled debt and should not be reported as an active liability, the continued reporting is inaccurate and damaging to my credit profile. 

Additionally, this is a violation of 26 U.S.C. 6050P, which outlines the obligation of creditors to file a 1099-C when canceling debt of {$600.00} or more. The failure to provide this documentation raises significant concerns about the accuracy and legitimacy of the account currently being furnished. 

I request that this charge-off be removed immediately from my credit report, as the debt has been canceled and should no longer be reported in this manner. Please provide written confirmation that you have taken action to correct this inaccuracy, as required by the FCRA. 

Thank you for your prompt attention to this matter. I expect a timely resolution and removal of this erroneous charge-off. 




The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, IL, 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 XXXX0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was approved for HAMP program and Wells Fargo dropped the ball on the XXXX mortgage to the point where they have foreclosed on my XXXX loan. It was my understanding that I was going to be offered XXXX. Apparently this did not occur because Wells fargo had incorrect city locations in my records and therefore no record match could be found. Although I called and sent over a XXXX letters -- Wells Fargo just kept passing me off to numerous people and nothing got done. My XXXX daughter answered the door the day the process server came to our house and the whole family was so upset about the possibility of loosing our home. Well Fargo did absolutely nothing to support me or the situation. After XXXX months of going around in circles -- and receiving letters from my credit card company 's that my credit limit was being downgraded since they had me recorded as foreclosing -- I received a call from a Wells Fargo manager, XXXX XXXX, in loss mitigation who told me that there was nothing he or the bank could do to resolve my harmed credit until I went through another trial period which would be XXXX days. How ridiculous and absurd is it to have to deal with bank managers who ca n't mange their own internal processes so they can support their customers. Especially when the mistake is on their end. Wells Fargo -- You need to own your mistake and stop with all your non sense.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccuracies in Credit Report Dear CFPB Team, I am writing to formally file a complaint regarding ongoing issues with my credit report stemming from identity theft. Despite my efforts to resolve these inaccuracies with Experian, I have not received satisfactory outcomes. 

My name is XXXX XXXX XXXX. I have taken significant steps to address the identity theft, including filing disputes with XXXX, which resulted in the successful removal of most fraudulent claims from my credit report. So far, here are the results of the on-going efforts : XXXX XXXX XXXX XXXX Total Accounts XXXX XXXX Derogatory XXXX XXXX Collection XXXX XXXX Balances {$59000.00} {$19000.00} However, even with the significant change in my profile, certain derogatory statements remain in the risk factors section that do not accurately reflect my creditworthiness : The date that you opened your oldest account is too recent Lack of sufficient credit history Lack of sufficient relevant real estate account information The total of your delinquent or derogatory account balances is too high These entries continue to negatively impact my ability to secure credit, despite the improvements in my overall credit profile. I believe these statements are misleading and unjust, given my current financial situation. 

I have documented my communications with Experian, which I am prepared to provide if needed. My attempts to resolve this matter directly with Experian have not led to the removal of these derogatory statements, and I am seeking the assistance of the CFPB to address this issue. 

Thank you for your attention to this matter. I appreciate your assistance in helping me resolve this ongoing issue. If you need any further information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called on XX/XX/2022 And asked for the balance of XXXX to be moved from my credit builder account to my checking account and was told that they would instead they closed my credit builder account and sent a check to a address that I was not living at for a year now I told them that I had no way of getting access to the address nor did I have access to the mobile app I told them my id was misplaced they then opened my credit builder account back up and have issued another check after telling me they were going to put the money immediately back in my credit builder this has been going on for 3 plus weeks and they keep telling me different stories everytime I call I told them that my car broke down and I was far away from home and I needed my money they are taunting my situation and I don't think it is funny I just want my money placed back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian on Friday XX/XX/2022 regarding my fico scores. On the experian website, my account allows me to see all 3 credit bureau scores. For both Experian and XXXX, there is listed 2 negative score factors that are false. 1. Serious delinquency or derogatory indicator on credit report. and 2. Insufficient number of accounts that are currently paid as agreed. 

I spoke with 4 representatives who all concluded upon reviewing my credit report, that there are No Delinquencies or derogatory indicators. They stated that all my accounts are in good standing. They could not understand why my score is being affected by this when there is no evidence in my report. I was transferred from membership department to dispute department to membership department and not one agent could fix the issue or help me. 

It appears that the issues are not with my credit report but with the software that both experian and XXXX are utilizing and there are no solutions to my issue.