23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This all began when my loan originated for this consumer vehicle loan. This account has been with Wells Fargo Dealer Services for a few years now and I feel as though the dealership along with Wells Fargo tag teamed and quickly coerced with sales tactics and promises of a low interest rate being a young and inexperienced consumer to quickly close out on a deal with each other. I feel as though it 's unfair and extremely deceptive how they fooled me into signing a loan with a higher interest rate than I anticipated. The dealership took advantage or my race as an XXXX XXXX young adult and my only goal was to co sign for my fathers car loan ( XXXX XXXX XXXX ). The dealership said if we left that same night we 'd lose the deal and we felt pressured to decide on one loan option for an insanely high interest rate. I believe that Wells Fargo could have provided a way lower interest rate which would have made my experience as a consumer much more professional and productive. Now each time I call Wells Fargo which is at least once a month and ask them to investigate they say they 'll escalate and nothing ever happens. I threaten to contact regulators and it almost does n't bother them. I really need you to look into my loan origination because my rights as a consumer were violated and I ca n't do this on my own. My loan account number with Wells Fargo is XXXX.
Product: Debt collection

I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is LVNV Funding LLC. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for LVNV under the name XXXX XXXX XXXX XXXX. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.
Product: Debt collection

XXXX XXXX is the phone number. They called me on XX/XX/2019 and tried to get me to make immediate payment on a debt that was 10 years old, and would not identify who the creditor was. I asked repeatedly that they tell me who the creditor was, and what the atual amount owed was. They continually stated that they would turn over the " judegment '' against me to XXXX County, and have XXXX XXXX block me. I did provide a prepaid debit card, which I later cancelled, and they finally backed off. I need to know If I really need to deal with this or if they are just scamming me.
Product: Debt collection

This company I have no knowledge of and they keep updating stuff on my credit. I tried disputing it much times they want stop. I dont know what to do with them. Im not and I dont have the money to pay them.
Product: Student loan

Request to Reverse Interest Accrual and Adjust Forbearance Status Dear Nelnet, I am writing to address an issue regarding my loan account and the borrower defense application I submitted in XXXX. Specifically, I want to clarify that I intentionally opted out of borrower defense forbearance when I completed my application. Despite this, my account has recently begun accruing interest, which I believe is in error. When submitting my borrower defense application, I made it clear that I did not want to be placed in borrower defense forbearance, as I preferred to remain on the SAVE ( Saving on a Valuable Education ) plan for forbearance purposes. I noticed that interest on my loans only began accruing recently, not at the time of my application. This indicates a discrepancy that needs to be corrected. I kindly request that you : 1. Reverse all interest accrued on my loans since the time of my application in 2023. 2. Ensure that my loans are no longer placed under borrower defense forbearance. 3. Confirm that my loans are instead aligned with the SAVE plan forbearance, as per my original request. Please provide written confirmation once these corrections have been Thank you for your attention to this issue. I look forward to your resolution of this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the law and you need to follow it. I have sent you court records, restitution orders, final judgments, restraining order copies, AND A VICTIM DETERMINATION Document. 

Then I received a letter stating that my victim determination letter was not valid.. GUESS WHAT? YOU DON'T GET TO DECIDE IF IT IS VALID. 

It very much is valid and I am working on getting yet another one with my XXXX XXXXXXXX being the one to sign it. 

I am so tired of fighting you and XXXX about the validity of my XXXX. I put my XXXX XXXX XXXX for 6 years. XXXX already blocked the items and accepted my request and so did XXXXXXXX XXXX. STOP MAKING MY LIFE HARDER. 

1022.142 ( e ) ( 3 ) - ( 4 ) consumer reporting agencies may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer DID NOT PROVIDE a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency MAY NOT make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FCRA XXXX XXXX bank XXXX and XXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am filing a formal complaint against TransUnion for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a XXXX  record. This XXXX  is reporting with discrepancies, as it only lists an incorrect court name, a reference number, and a filing date. The incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
In my dispute letter, I ensured to include a copy of my driver 's license, Social Security card, and proof of address to verify my identity in accordance with the FCRA. Despite my compliance, TransUnion refused to conduct an investigation. I received a response from them dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the FCRA, if accounts are inaccurately reporting, I have the right to file a dispute with the credit reporting agency. TransUnion 's refusal to investigate my dispute constitutes a clear violation of my consumer rights under the FCRA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX portfolio recovery XXXX Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with portfolio with accounts number XXXX .I do not owe XXXX  XXXX. There is no default on my credit report from XXXX  XXXX. I believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. I never owned a sprint account. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

I XXXX XXXX hereby attaches a copy of a collection letter I received from Portfolio Recovery Associates. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX
Product: Checking or savings account

To whom it may concern, I am writing to bring to your attention a concerning matter regarding my recent experience with Wells Fargo. 

On XX/XX/year>, I was charged an excessive fee of over {$1200.00} due to what appears to be a failure on the part of Wells Fargo to provide adequate communication regarding the renewal of my CD. Despite being contacted by the bank on the last day of the grace period, I was not informed about the impending auto-renewal of my CD. Consequently, upon visiting the bank the following day, I was dismayed to discover that my CDs had been renewed at the lowest annual rate without my consent or prior notification. 

This situation has left me feeling unfairly burdened with additional charges that could have been avoided with proper communication and transparency from Wells Fargo. I was then informed that rectifying this error would require an additional payment of more than {$1200.00} to switch to a CD with a higher rate, further compounding the financial strain caused by this oversight. 

Furthermore, I must emphasize the impact of delayed communication, which was exacerbated by the harsh winter conditions in South Dakota. As a loyal customer, I trust that Wells Fargo values my satisfaction and understands the importance of timely and clear communication, especially in circumstances beyond our control. 

I kindly request that immediate action be taken to address this matter and rectify the undue financial burden placed upon me due to the bank 's oversight. I believe a fair resolution would involve waiving the excessive charges incurred and facilitating the transfer to a CD with a higher rate without further financial penalty. 

I appreciate your attention to this urgent matter and look forward to a swift and satisfactory resolution. Please feel free to contact me at [ your contact information ] to discuss this matter further or provide any necessary clarification. 

Thank you for your prompt attention to this issue. 

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

My mortgage was in forebarence due to COVID from XXXX at which time my mortgage was transferred to another lender. Home point financial reported to the credit bureau that I was late on my mortgage for the following months : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX which were protected under the forebarence not to be reported as late
Product: Debt collection

I received two letters 2 weeks passed the date it says at the top which is XX/XX/XXXX from TRS. One says I owe XXXX the other XXXX to a XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I never been over there, ever. I called XXXX XXXX and they sent me proof a consumer report of never going over there ever. To the hotel or to the casino. I made a police report # XXXX in XXXX bc my purse was stolen however I don't even have checks that TRS recovery service is saying that has this address on it. My checks have my other house address. I called the sheriff in XXXX XXXX indiana. He thinks TRS is a scam. When I talk to TRS they sound so unprofessional. I try to go the ensure to dispute it. Its weird. They Barely knowing how to talk. To somebody. They Don't want to help me or think I'm lying. I need to get to the bottom of this bc this involves gaming officers. I get no help from them only to to go a website.
Product: Debt collection

I called them for a 9 year old debt that will be 10 years old this XXXX and they said I need to pay the balance which included attorney fees and {$100.00} more than what's listed summons in order to withdraw the summons which now the XXXX hasn't more than doubled the orginally fee. This is a debt for a part of a class fee for a college course I withdrew from one day after it started and the textbook the college book store refused to take back almost 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to list improper information on my credit report. I have never had a loan with them, have never had a loan transferred to them, and have had extensive telephonic recordings and emails related to their illegal and fraudulent actions. I am getting ready to sue them in District Court in  California for {$20.00} XXXX dollars, if this is not fixed immediately. I will not wait more than thirty days. This has been an ongoing process, and throughout the duration, they have created two fake Master Promissory Notes, released my information to a scamming private, third-party debt collection agency, called XXXX XXXX XXXX , XXXX, and lied about being XXXX XXXX, which is a non-existent company. They have engaged in identity theft and fraud, and I do not want their name on my credit report. I have had no contracts with them and have not engaged in any business with them. Further, I did not have student loans. In addition, the information listed is absolutely impossible ( PDF copy included ). XXXX claims that I have a loan originated in XX/XX/XXXX and another originated in XX/XX/XXXX. I was not in college in XXXX, and as I'm sure you can imagine,  most colleges don't begin in XXXX. The loan amounts exceed Federal Loan Maximums, and would have been processed as one loan, not two. Everything they've done is wrong. I expect this to be removed immediately, and I intend to exercise my legal rights and sue them to make that happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me! 
I tried reaching out the Equifax and XXXX with no luck. I read online that I have the right to a consumer credit report showing 100 % accurate within the XXXX mayor bureaus. I recently disputed an account from my credit report it was removed because of the inaccurate information on the account. XXXX deleted account as well as Equifax and XXXX, however XXXX and XXXX decided to reinstate account on my credit report without a XXXX notice. I read about a law that states if credit bureaus reinstate an account that was recently deleted that's a violation of my consumer rights and that I can be compensated for {$1000.00} if account is not removed from my credit report. 
Please help me, see attached letters.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, EQUIFAX.COM XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I found two accounts reporting on my credit bureau reports that were fraudulently opened in my name. I first filed a police report with the XXXX XXXX Police Department and then contacted the creditors collection agency since the original creditor no longer had the accounts. 

I also filed a fraud report with all three credit bureaus. TransUnion has since complied and removed or blocked the debts. I'm still waiting to hear back from XXXX  in regards to this. 

I've sent notices to the bureaus. I've repeatedly sent Experian EVERY document they've requested of me ; My drivers license, social security card, proof of address, the police report I filed, the FTC report I filed, and the CFPB report I filed. 

Experian now sends me notification after telling me I haven't complied that I never filed a police report. It's all been included in EVERYTHING I've uploaded and mailed to them.
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened, without including personal information : In XXXX, I went through a divorce from my ex-wife. Since XXXX  I have been living and working full-time in the XXXX XXXX , including XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) . 
Recently, I discovered that this credit account was opened without my knowledge or consent. I believe that my XXXX, her friends, boyfriends, or family members may have opened this account, along with several other credit accounts, using my personal information after our divorce. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. 
I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX making it impossible for me to have opened or used this account. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. 
I am requesting that this account be removed from my credit report, as it is not my account and was opened fraudulently without my consent. I am willing to provide additional identification documents, such as my driver 's licenses from XXXX and XXXX, to prove that I have been residing in the XXXX XXXX during the time this account was opened and used.
Product: Credit reporting or other personal consumer reports

- XX/XX/2024 - via XXXX XXXX XXXX, my Equifax Credit Report request was denied, instructed to mail my request. 

- XX/XX/2024 and XX/XX/2024 -my name, date of birth, SS #, a Government ID ( Drivers License, Front & Back and a document validating my address, my XXXX Energy Bill , all legible copied, were mailed and Equifax continues to declined my request, in response, to mail verification documents already provided.
Product: Checking or savings account

They closed immediately closed my account with no explanation due to fraudulent activity on the account I had nothing to do with, when I called and explain my purse was stolen with my wallet and phone in there, the agents told me there was nothing they could do, no disputes or anything. Now Im stuck with a closed bank account, {$0.00} savings ( because they took it ) and owe {$6000.00} to boa for something I had no control over
Product: Credit card

i made 2 payments of {$20000.00} instead of 1 payment which was my statement balance. the company is refusing to credit back the second payment and has locked my card from making any further charges for 2 weeks even though my bank shows that my bank has made those payments to the credit card company on XX/XX/XXXXXXXX  and XX/XX/XXXX. i made these requests on XX/XX/XXXX. the company also informed me that the refund will not be automatic and i will need to recontact them in 2 weeks.