23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information reporting on my credit report. The late payments on XX/XX/2022 and XX/XX/2022 on my XXXX XXXX XXXX XXXX  cards are inaccurate and must be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 One Main Financial placed an credit inquiry on my XXXX credit report. I have never applied with One Main Financial. I am requesting a copy of an authorization giving them permission to view my credit report with this agency or any other agency on XX/XX/2017.
Product: Credit reporting

I 've disputed the account/item ( XXXX listed in collections ) with the credit bureau EQUIFAX ; they claimed to have verified the account/item but have not provided the specific details of their method of verification. I also filed a CFPB complaint ( CASE- XXXX ) on the collection agency XX/XX/2017. XXXX replied to complaint and admitted that they did not have an account for me with my information provided. As of today 's date XX/XX/2017 EQUIFAX is still erroneously reporting this account/item.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false misleading ways.
According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the CFPB to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.
Product: Credit card or prepaid card

In XX/XX/2021, I purchased XXXX concert tickets to lost in XXXX using my Bank of America credit card. This was a XXXX day concert. XXXX in XXXX vendor failed to respond to my request for refund after on day XXXX of the concert we trampled on, and couldnt safely enjoy the concert. There was lack of security, etc. We were traumatized and didnt feel safe to return. The vender failed to respond. I filed a claim through BANK OF AMERICA, and they added additional injury. A rep in the claims department agreed that vender NEVER provided a refund policy. How can BANK OF AMERICA DENY MY CLAIM STATING I WAS DISSATISFIED and the vender sill had a right to collect. This simply isnt right. 
I HAD A RIGHT TO REQUEST A REFUND given the circumstances. Not to mention again there was no refund policy that could be referenced.
Product: Money transfer, virtual currency, or money service

A bank teller at the Wells Fargo XXXX XXXX Wells Fargo branch helped me file a complaint for a fraudulent wire transfer, as a result to a hack to my email account where the hacker impersonated one of my vendors and gave me fraudulent bank information in order to re-route a payment to them. The case was assigned to Mr. XXXX XXXX at the Wells Fargo Fraud division. I called every day for 2 1/2 weeks and the customer service people at the bank transferred me to a different online department every time and told me that they were still awaiting a resolution, but that they were optimistic as far as the outcome because the wire transfer was the result of a fraud. Every day I called, got transferred a few times, then got the same response and they told me to keep calling. Today I called again and the representative at Wells Fargo online wire transfers told me the case had been closed 10 days ago and that they would not recover my funds since the beneficiary 's bank had refused to refund the money. I have all my accounts with Wells Fargo and as a small business ( I own a small, woman-owned translation business in XXXX XXXX ) this affects me profoundly. The bank 's treatment of a valued customer is horrible. The stress and time I have invested in this is endless. Can you please do anything to help? It would be much appreciated.
Product: Mortgage

I have been having several difficulties since our mortgage was transferred from XXXX, then GreenTree Mortgage and now Ditech mortgage company. Since the transfer, my husband and I have noticed that our monthly payments are not being applied correctly and the mortgage company and we feel like we are being scammed. We pay additional money each month where we request that the additional amount be applied towards the principal and escrow. The mortgage company does not supply payment books that allows us to pay extra towards the principal and escrow. When we spoke to them about our issue, they spoke to us in a condescending manner and tried to make us appear stupid. We were told that they could not provide us with a payment booklet that would allow us to show how much of our additional payment should be applied to principal and escrow. In fact, we were advised to write it out on our payment statement and then we have to call each month to inform them how to apply it even after we had written it out. My husband and I are both elderly and I 'm in a XXXX. We feel that this mortgage company has made it very difficult for us and have taken our additional payments. When we receive our monthly statements, we notice that our additional payments are not being applied. Where has our additional payments gone? We are elderly but we will not sit back and be taken advantage of by this mortgage company. When our mortgage was transferred to GreenTree, we never received a check for the extra funds that we had paid into the escrow account after our taxes and insurance was paid. Where are those funds?
Product: Student loan

I have been making payments to Navient for a settlement that was agreed upon by both parties. I have paid $ XXXX/ month for a while now. Navient sent me a letter agreeing that I would only have to pay $ XXXX/month until XX/XX/2018. At that point my settlement would have been made and I would no longer owe anything. Now I just made my last two payments and they are telling me I still owe them {$2600.00} towards my settlement. Yet, I have had multiple conversations and letters sent proving I should be done. I am extremely upset. I was under the impression for a long time now that I was going to be done. I was so excited and now I am having a bunch of issues. This is unacceptable and I do not think I should have to pay another cent. Especially since there is a lawsuit out against the company right now for false information and all sorts of issues with their lenders.
Product: Student loan

Even with the income-based repayment option, the payments are through the roof. They only take your pre-deduction income amount. I live in Illinois where the taxes are sky high and Insurance costs are the same. I lose about half of my check to deductions. I wish they would care enough to take this into consideration. Why base a payment repayment plan on a dollar amount that is n't the actual dollar amount you have as income. This company does not care about the individuals who are struggling to make ends meet. They only care about getting as much out of you monthly as they can until you pay off the loan or die. Knowing what I know now, I would have never even went to college.
Product: Credit reporting or other personal consumer reports

Remove account involved in litigation " an incorrect high balance '' an inaccurate date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- XXXX XXXX, XXXX  Phone ( XXXX ) XXXX Account Number : Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

and Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/2024 Please Remove It From My Credit Report. 

Remove all non-account holding inquiries associated with fraud and identity theft
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX 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 writing to formally file a complaint regarding unauthorized transactions that occurred through Zelle, resulting in a loss of XXXX from my account. Despite my immediate efforts to resolve the issue with my bank and Zelle, I have been unable to recover my stolen funds. I noticed unauthorized Zelle transactions from my bank account totaling {$2000.00} on I did not authorize these transactions, nor did I share my banking credentials with anyone. As soon as I discovered the fraudulent activity, I contacted my bank/Zelle immediately to report the issue. 

Despite providing all necessary documentation and evidence, my dispute was denied, and my bank refused to reimburse me, citing that Zelle transactions are " final. '' However, I strongly believe I was a victim of fraud, and under the Electronic Funds Transfer Act ( EFTA ), I should be protected against unauthorized transactions.
Product: Debt collection

On XX/XX/2018, a garnishment was granted against me for the amount of 15 %. I am paid weekly as a XXXX for XXXX XXXX. 

The garnishment has been in effect and active since XXXX. 

The agency processing the garnishment is Delta Management. I  received no prior notice of the garnishment. I understand that this is normal with federal student loan collections. 

Delta Management has now taken to calling the company I am assigned with, XXXX  XXXX XXXX. It is a highly sensitive company that deals with consumer issues. To get calls regarding me is not a good look and puts my employment in jeopardy. For the past two weeks, a XXXX XXXX has been calling various departments asking questions about me. He left this number and extension, XXXX XXXX. 

Please advise as to what rights and options I have to make this stop. The garnishment is being paid there is no reason to contact my assignment. I work for XXXXXXXX XXXX and not XXXX. 
The lien is for {$200000.00}. If you get me fired, then I don't understand it is expected for me to pay off this debt.
Product: Vehicle loan or lease

I received a voicemail from XXXX from Ally XXXX customer relations in an attempt to resolve the complaint that I made about the loan still being on my report despite it having been paid off for close to 2 months. 

I have called her back twice leaving voicemails both times at her extension, and I have not heard anything back and the issue has yet to be resolved. 

My complaint is to express my dissatisfaction with both Ally Auto as a lender as well as their executive customer relations department. 

Having this loan on my report is impacting my ability to maximize my loan offers for a mortgage. 

XXXX 's contact information is the following ... 

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

I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

All requests took over 30 days to resolve. Transunion, XXXX and XXXX all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with Student Aid Commission. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and Transunion reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the discharged student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Product: Credit card or prepaid card

In XX/XX/2021 I contacted Chase requesting a hardship program as I was having trouble paying down my bill. They refused. 

One year later my financial situation is worse. The hardahip department refused to get on a call with me. I asked my representative to reach out to them twice She both with XXXX and XXXX both of whom refused to get on the call. I am meeting my minimum payments each month however only {$35.00} goes toward principle. It is impossible to lower my bill without sone kind of help from Chase.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Washington, DC This letter/request is for Consumer Financial Protection Bureau, CFPB, to try and help me with a problem. I have two XXXX XXXX personal loan accounts reported on my Equifax Credit Report. The two accounts are XXXX and XXXX. Both accounts are identical in that they are with the same financial institution, same date opened on XX/XX/XXXX, same original amount of {$2600.00}, and the same terms of 48 months. The second duplicate XXXX account, XXXX, was somehow made in error or fraudulently. I have communicated that this second account was an error or as a result of misinformation to both XXXX  and XXXX XXXX, but have not yet received an outcome. 

Therefore, I decided to ask XXXX for proof that I opened this second account, XXXX. I hope they would have some documentation of this second duplicate XXXX personal loan. I made the first XXXX loan, XXXX, in person and signed documents in person at the XXXX branch location in XXXX, Texas. Since I had signed in person for the first XXXX loan, I thought the second duplicate loan and allegedly on the same day would also have a second signed set of signed documents ( if it existed ). 

I have called, and I have sent letters for the proof of the second duplicate XXXX loan, account XXXX. Then after numerous phone conversations with XXXX  and numerous letters to XXXX, I finally received a XXXX response letter dated XX/XX/XXXX ( please see attached ) that my correspondence does not provide sufficient information to investigate your dispute. After numerous letters that have included many attached copies of my two credit-reported XXXX Accounts, this response of XXXX not having sufficient information is quite hard to believe. That there wasnt enough information to investigate is even harder to believe. 

Anyway, I ask that someone from CFPB to look at my attached documents and note that on my Equifax Credit Report the two XXXX XXXX loan accounts have the identical dates opened on XX/XX/XXXX, identical original loan amounts of {$2600.00}, and identical 48-month terms. 

What else can I do in an effort to receive proof of this erroneous second duplicate XXXX loan account? Please point me int the right direction. 

Thank you and appreciated. 

XXXX XXXX XXXX SS XXXX
Product: Mortgage

I inadvertently discover that B of A has " misplaced '' my heloc payments on 4 different occasions. They were eventually " found '' after several months, however, the math in calculations is suspect i.e. when a payment was lost, I was charged interest and when the payment was found, I was charged interest again. 
I have been trying to resolve this problem for 2 months and all I get are promises from the " official '' at the branch office. I have a very documented journal of what has transpired, as well as bank statements proofing my concerns..
Product: Mortgage

I purchased my house in XXXX of XXXX. I refinanced my mortgage in XXXX of XXXX, and upgraded my insurance policy at that time, paying a little over {$950.00} a year. The insurance premium was due in XX/XX/XXXX, and the mortgage company did not pay it and got my policy cancelled. Neither they or I was aware of the cancelled policy until XXXX of XXXX when the mortgage company contacted me by phone to tell me that I had no insurance on my property. It is difficult to find reasonably priced insurance policies in my area because of wildfire risk, but I was able to find a policy with the XXXX  XXXX XXXX which cost {$3500.00} per year, as well as a wrap around policy for an additional {$700.00}. I contacted the mortgage company about the policies and informed them that I think they should pay the difference in price since their mistake lead to my losing the previous policy. They countered by informing me that I owed them {$1200.00} for insurance that was not in effect in the previous year. They attempted four times to collect that {$1200.00} charge but I paid an attorney about {$660.00} to write a letter objecting to this and they finally relented. In the meantime I continued making my previous payment of {$950.00} while arguing that they should cover any increases in insurance premiums, but they would not communicate with me at all. I found out in XXXX that they added {$3300.00} to my principal balance and denied doing so when I asked them about it. Soon after that I was able to find an insurance policy for about {$2900.00}, which was slightly better than the {$4200.00} the other policy cost me. The mortgage company was sending me statements informing me of a new payment amount of {$1400.00}, then {$3300.00}. I tried repeatedly to talk to the mortgage company about how their mistake cost me my reasonably priced insurance policy, and that they should pay the difference, but that went nowhere. I then started receiving notices that I was in default even though I continued to make my regular payment amount, not missing any payments. When they threatened foreclosure I decided to make up the difference that they claimed I owed. By the end of XX/XX/XXXX I paid them about {$6600.00} additional payments, as well as the {$3300.00} added to my mortgage principal amount, while they reported to the credit agencies that I had missed or was late on several payment causing my credit score to drop XXXX points. After I made the additional payments to keep my house out of foreclosure they informed me that my next XXXX payments would be {$1900.00}, over XXXX XXXX dollars more than my previous payment amount, adding up to over {$20000.00} in an 18 month timeframe in additional payments to cover a {$2900.00} insurance policy. I had a XXXX of good luck recently in that I was informed that my mortgage had been sold to a different mortgage company and I was able to contact them and they are looking into the loan. I have documentation to back up all that I have stated, but I will with hold attaching them unless requested as it would be very time consuming to send them all now.
Product: Credit card or prepaid card

Before making the porches I was informed that best buy head a promotion that was 48 months interest free by the customer service. Then I proceed with porches, then with in 6 moths the amount dabble. them I imitated contact the bust buy credit card and they put the account under investigation. then never head anything from them over a month. them continued to contact them about the account and I head enough them I called the city bank the bank said we cant help you it will have to be bust buy, right way I rushed to the store and they said it's still under investigation and waited and never gat anything from them and the next time I head from them the account was in collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute all of the inquiries that are reporting on my credit file but it seems to me that they tell me they dont want to removal the item.