23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have had a problem with Wellsfargo since they took over Wachovia Bank XXXX of XXXX. Prior to XXXX and afterward, we have never been late with our monthly payments. Wellsfargo Collection Department sends us late Statements saying that we paid late, despite that we paid every month on or before the XXXX of the XXXX, when payment was due on the XXXX of the XXXX. Our Mortgage reached maturity on the XXXX of XX/XX/XXXX, and but the Collection Company has an account that says that we old more than {$7000.00}, when they actually owes the money to us, because they put insurance on our account when we were insured already. We reported the Insurance Fraud to the Attorney General of Georgia and Alabama in XXXX! The staff at their Insurance office in XXXX, Georgia promised to reimbursed us, but to date, they have not done so! 
We submitted a complaint to the Corporate Office President in XXXX of XXXX, which led to them closing out the Account, and stated that we had a XXXX balance, but their Collection Department ignored the balance due, and claimed that we owed their fraudulent balance! XX/XX/XXXX, we attempted to make the payment we calculated we owed, but the Wellsfargo Bank in XXXX, Alabama, stated that our Mortgage account had been closed, and wouldn't take our payment, because their systems says that we didn't owe anymore money on the account! We purchased a Cashier Check in the amount of {$2100.00}, and sent it to Wellsfargo XXXX XXXX XXXX XXXX, Georgia, but there seems to be several different Collections Agencies seeking money from us!
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$50.00} was sent from my account to XXXX for a deposit for a service. The service was never rendered. I reached out to Zelle and XXXX  XXXX to dispute in which the funds were never recouped, nothing was done to secure the receiver, refund my money though I had proof the receiver stated they will send the funds back.
Product: Debt collection

I was reviewing my credit report during the month of XXXX and noticed 2 account was the same amount from a loan company and a collection company. Mariner Finance had an amount of {$5500.00} listed as a charge off, XXXX XXXX XXXX now has a collection in my name for the same {$6600.00}. I sent a written letter via certified mail to XXXX XXXX XXXX tracking number XXXX on XXXX XX/XX/XXXX, I requested a response within 30 days to verify the debt and I have not received any written response back.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX ( acct number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct number : XXXX ) with Experian and it came back verified the same day. The account was not properly investigated and they failed to show me a contract bearing my signature or any kind of proof for that matter. Experian has failed to fulfill its legal obligation under the Fair Credit Reportin Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Burea ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Macy 's Account XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX , A made payment was in store on XXXX XXXX, Payment did not post, so in XXXX she called cusomer service. Provided all information, the cashier was not over, and there sytem was off line, she could not provide the small receipt given. she called serveal times. Asking for the late fee to be removed, she was told, she needed to change er po box , due the Pariot Act.And because she would not give a new Address the customer service rep " would say they could not verifiy. this po box was used for 3yrs. never missed a pament. all or most payments were paid in cash, The balance was XXXX, under he sending limitXXXXat the time. the late XXXX interest XXXX and next payment due XXXX comes to XXXX.as of XX/XX/XXXX, the account was closed. XX/XX/XXXX. not letting me make a payment arrangment. If macy would contuine to accept the payments of XXXX monthly, ( XXXX ) would have been repaid. 
Company wrote this debit off using the miss information using the Paariot Act in the wrong way, I used my driver Licence to open the account, which i had my po box and my old address on it,,, plus reported as XXXX added XXXX in fee 's
Product: Debt collection

I keep getting calls from numerous numbers that my phone identifies as FBCS. I XXXX it and it led me to the website : XXXX XXXX XXXX The calls are several times a week. Some weeks it is every single day. They never leave a voicemail. I have never been contacted by email or regular mail so I have no idea what this could be in reference to. I do not wish to contact them and give my personal information to them. 

I have included screenshots of my phone of the missed calls. These are only the calls I have not deleted.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX phone calls were made to Capital One to close the account. At first they sent a statement of much is owed but did not send a letter stating the account was closed. After another phone call to Capital One they stated they can only send a fax and it could take up to 8 days to receive. I am in the middle of re financing my condo and I need the credit card to be closed. They refuse to help. Still today I have not received anything stating the account is closed. A fax should not take 8 days.
Product: Credit reporting or other personal consumer reports

Equifax had a data breach which caused my information to be compromised and used to open accounts that I am not the owner of those accounts. Causing me to have a very low credit score and denials for any form of credit.
Product: Money transfer, virtual currency, or money service

I get check from my employee for the amount of {$400.00} it was the same bank that my employee have first XXXX XXXX I also had my identity my driver license and others I handle the check with my ID and she told me she have to verify it, I had no problem with that she want to asked the XXXX and he refused to cash it he told me only up to {$200.00} so I called the XXXX customer service and I asked them about cashing check what's the XXXX amount the told me there's no limit so i want to my bank and deposit it with out any problem I think first national bank don't want to cash it because of my ethnicity race I included the picture of the check in
Product: Money transfer, virtual currency, or money service

I called Cash app, on XX/XX/2019, to discussed the dispute. I explained, my error, I tapped the wrong person name and the money was send. I called my bank, the money was credited back to my account, until they could investigated the matter. 

On XX/XX/2019, I received notification, the money had been withdrawn and returned back to the same person. 

XX/XX/2019, Cash App 's has several phone numbers listed, on the internet. I called Cash App spoke with a male named XXXX XXXX, a representative of Cash app. Mr. XXXX stated, he could see my account and repeated the last 4 digits of the account number. He commented, " I can see you have never filed a claim with our company, before and I will refund your money '' In fact, I will deposited {$250.00} for this inconvenient. He said, " I need your bank card number '' I explained, the bank card has been closed '' Mr. XXXX next question, " How far are you from XXXX? I said, about 30 minutes. Mr. XXXX instructed me to go to XXXX and purchase a gift card for {$250.00}. Once, I have purchased the card, call him back with the numbers from the back of the card, so that he could deposited the money onto the gift card and I then could placed the money back into my account. I then realized it was a scam. The person, who I send the money never contacted the bank stating, they was owed any money. Cash App took advantage of the error and kept the money. 

After I learned is was scam, I call the XXXX  XXXX XXXX ( XXXX.XXXX.XXXX. ), to report the incident and learned Cash App does not have a phone number.
Product: Checking or savings account

I went chase bank today on XXXX XXXX XXXX XXXX XXXXXXXX was the rep who did not help. When I told him XXXX sent money to the wrong person, he in turn called a rep. He told that person that I typed in wrong number, it was my error. That is NOT what I told him so totally made up the story to the other rep. I dont appreciate him telling an untruth. If its a XXXX problem, he couldve said that in the first place instead of saying something thats not true. I dont need or want customer service like this. Im further investigating everything with XXXX including the pending lawsuit between XXXX and chase.
Product: Student loan

Dear CFPB - Unfortunately, I have XXXX student loans that went into default over the past several years due to financial difficulties. I have been accepted to a graduate program for the fall semester, and can not get new loans until my defaulted loans are taken out of default. In order to get loans out of default and on a payment plan, I attempted to consolidate all XXXX of my loans into a new consolidation loan with XXXX XXXX XXXX XXXX. XXXX of the loans were successfully consolidated. However, the remaining XXXX loans that are serviced by Nelnet are stuck in " limbo ''. My NSLDS account shows that these XXXX loans are held by Nelnet but went into default in XXXX 2014, almost 2 years ago. Nelnet customer service informs me that the loans are in the process of being transferred to a collection agency hired by the DOE and that this process can take an indefinite amount of time. When I contacted DOE, they informed me that the loans are still held by Nelnet and have no other information. I would like to consolidate these XXXX remaining loans with my new consolidation loan with XXXX XXXX, but for the last several months, neither Nelnet nor the Department of Education can tell me where these loans are and when they will be transferred to a collection agency. What am I supposed to do at this point?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX    XXXX  DELETE  XXXX   XXXX   XXXX PLEASE DELETE  XXXX   XXXX  &  XXXX PLEASE DELETE   XXXX   XXXX     XXXX PLEASE DELETE   XXXX   XXXX   XXXX    XXXX  DELETE  XXXX    XXXX    XXXX -PLEASE DELETE   XXXX   XXXX  PLEASE DELETE  XXXX   XXXX  DELETE  XXXX   XXXX  PLEASE DELETE EQUIFAX  XXXX    XXXX   XXXX     XXXX  PLEASE DELETE   XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX     XXXX  PLEASE DELETE
Product: Money transfer, virtual currency, or money service

My bank, Bank of America, wo n't report accurate and timely information to my  XXXX  app. This has caused me to not be able to take advantage of the services and said bank takes hours to update my balance and bank status. My balance is alwa ys 5-6 hou rs behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

Pursuant to XXXX5 USC 6803, at the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to the consumer, in writing or in electronic form or other form permitted by regulations. Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, the credit bureaus violated my right to not giving me the right to opt out clearly and conspicuously. In addition, the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to a 3rd party in which the bureau 's violated this this law as well because I was never disclosed at all. I was never giving the right for nondisclosure, opportunity or explanation on how I can exercise my rights. I demanded that the credit bureaus remove these accounts off my credit report immediately XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$500.00} written off. XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$420.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XXXX XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$500.00} past due as of XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a fraudulent purchase on my XXXX XXXX XXXX account. XXXX credited my account and sent me a new card. XXXX has yet to restore my credit rating. The unauthorized purchase led to a 30 day late that should have been removed from credit report after the investigation ruled in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus will not fix the collections account for XXXX XXXX. I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.
Product: Checking or savings account

SOFI bank has randomaly restricted and blocked my account for no reason. cant access or use funds in my account. they have not responded and are holding my funds or and not unblocking my account. i have been a customer since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, Experian, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX  because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with Experian due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report.

I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX contacted a collection agency, Convergent. I have never received a bill from XXXX. I sent a note back to Convergent letting them know this was not by bill. They re-contacted me on XX/XX/XXXX saying to call and contact XXXX. XXXX is requiring to present to them all the documentation but has only provided me with dates of XX/XX/XXXX-XX/XX/XXXX. They are requiring me to provide them lots of personal information to prove I am who I am. They have not offered anything to me.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I formally request for the removal of the following fraudulent items. The three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assume that they rectify these violations and provide me with an accurate and updated credit report immediately. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. With that, I am expecting for your assistance to delete or remove these fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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