23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit card or prepaid card

I have been overseas and noticed a charge that I do n't recognise on my BoA Credit Card and I have not used the cards in over 6 months. 


It is from XXXX XXXX and the amount is {$1600.00} and I have attached a statement for your reference. 

I have called the XXXX XXXX XXXX XXXX and no one has bothered to help me.
Product: Checking or savings account

I opened a CD on XX/XX/2019. I was told that they would notify me before the CD matured either by phone, mail or e-mail. I received nothing from them. When I went to the bank to find out the maturity date, they told me it was already matured and renewed. They renewed it for almost nothing 0.001 % for one year. Nobody in their right mind would renew a CD for that kind of return. I believe this is an intentional practice by this bank, taking advantage of people especially the elderly.
Product: Credit reporting or other personal consumer reports

Over the last several months, formal complaints have been filed against TransUnion for their insufficient investigation into the inaccurate reporting of information on my credit file. Despite noted evidence of this matter, which was submitted from my attorney, it appears that TransUnion chooses to look the other way. Evidence of misreporting was delivered to Trans Union via certified mail from a law firm. But unfortunately for me, Trans Union stated that they will ONLY review inaccuracies reported to Trans Union and will not compare the information against other credit bureaus. 

Today, I am submitting more evidence that XXXX XXXX XXXX  did indeed report a late status on my credit report during the month of XXXX and the year XXXX, But somehow the records of today have erased that evidence and their continued harmful reporting shows that this account will remain on my file to the year XXXX. 

I am requesting an outside investigation into TransUnion and into this account. Please note that during the year of XXXX, XXXX XXXX XXXX  had sold the account to a 3rd party debt collector, but continued it's collection reporting at the same time the XXXX XXXX XXXX was reporting. Both companies were showing a balance owed, which XXXX XXXX did not change the balance to XXXX, as noted by the Law. 

I would like the CFPB to review, investigate, and provide guidance to TransUnion regarding the legal guidelines as indicated by the FDCRA. 

Thank you,
Product: Student loan

I am writing this email to express my profound discontent with how XXXX XXXX XXXX is handling the public service loan forgiveness program. 

Today ( XX/XX/XXXX ) I was informed that I do not qualify for PSLF because my loans are FFELP loans. This information was provided to me after calling in because I received a vague notice informing me that my employment certification was denied, without the reason why. 

Today was the 6 time this year that I called XXXX XXXX XXXX   regarding PSLF. Years ago I had also contacted them regarding PSLF and I was never told that my loans were FFELP loans. Additionally, my loan servicer AES never told me that my loans are FFELP loans even after I called them to be placed on an income driven repayment plan for PSLF years ago. Furthermore, under the loan detail section of their website for my loans it does NOT say the type of loan that I have, whether direct or FFELP. Instead of the information of the loan type being available on the website, what is available is the loan program ( Subsized consolidation loan ). 

The representative from XXXX XXXX XXXX said that I would have to consolidate my loans which would have be eligible since XX/XX/XXXX if it weren't for their loan type and the fact that eventhough I called in several times over the years to both XXXX XXXX XXXX and AES I was never told my loan type of FFELP did not qualify. 

My plan was to apply for the Temporary expanded public service loan forgiveness since I had been on the graduate extended repayment plan for the majority of my loan payment and 2 years on the standard plan. 

I find it unfair and unjust to not have my employment certification form denied only because of the loan type, especially when it can be converted into a direct loan by consolidation. The problem here is that consolidation erases the 10 years of payments.
Product: Checking or savings account

I am writing this complaint because I am a loyal costumer of Wells Fargo and have been for years. I recently feel very strongly that Wells Fargo is mismanaging my account and stealing from me for there own benefit. On XX/XX/2021 Wells Fargo charged my account with a reversal " payback '' credit in the amount {$600.00} and then again for {$370.00}. This situation then brought my account to the negative balance of - {$840.00}. I opened up my account and to my surprise there was NO funds available. I reached out to Wells Fargo immediately I was told by a teller and a financial analyst by the name of XXXX XXXX that on XX/XX/XXXX the money I am seeing come from my account is a reversal of a temporary loan I received each time I received a government stimulus check. My problem is, had I receive proper notification of when this money was to be paid back I would've had adequate funds present in the account. We all have technology whereas we can see if emails were opened and/or received. Wells Fargo can see ALL activity happening in my account before I do. Their computers are far more advanced then their mobile app. I was Never aware these funds would come out of my account on said date, Wells Fargo should have PROPERLY notified me via text, and /or phone or email. This has really cause me financial hardship. I requested a freeze of all withdrawals on my account to be stopped, which I was told there is no possible way. I've attached documents proving how negatively this has effected my daily life. I have received numerous emails from Wells Fargo in the past about unpaid debts, overdraft fees and even promotions, I strongly believe I personally did not receive a date emailed to me about this reversal fee because their intentions were to steal from my account for their own gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to XXXX XXXX, XXXX, XXXX and Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
Product: Vehicle loan or lease

I refinance my auto loan through XXXX XXXX XXXX unit and sent the payoff check to Cadillac Financial. I sent the check by XXXX and was told the check was lost a week later by XXXX. I asked for a replacement check. The check was cashed by Cadillac Financial because my account was cleared to zero balance when I went to my account. When XXXX XXXX saw that the first check was cashed they stopped payment on the B check. Then Cadillac Financial put a balance back on the account. I requested that an investigation for declaration of fraud and was denied by XXXX XXXX with an email stating I benefited from the transaction and I am responsible for paying Cadillac Financial. I never received any funds from the transaction. XXXX XXXX investigator XXXX stated he placed a request with the Federal reserve to find out who cashed the check at XXXX XXXX XXXX XXXX  and will here something by email and mail. XXXX wants me to make a payment to them or they are putting that Im latte on my credit report in 30 days.
Product: Payday loan, title loan, or personal loan

I got a {$500.00} loan I paid 13 or 14 payments of at least {$50.00}. 2 of which were {$75.00} few {$60.00} and few {$55.00}. I havent noticed change in payment end or interest. I tried paying {$30.00} online and it was declined as it wasnt the minimum amount. Im able to prepay or pay extra and their system wont let me. They are declining me rights to pay down so they can gain on interest. I calculate Ive paid over {$700.00} on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has account number XXXX with XXXX/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
Product: Credit card

I have had fraud occur with Bank of America in regards to my credit card that was stolen XXXX times by someone to make unauthorized charges. I closed the credit card on XX/XX/year> as I did not trust the bank as to who was stealing my information. 

On the evening of XX/XX/year> I received an email about an application for credit card by Bank of America, which I never applied for. I called them immediately, which I was connected to their fraud department and described the situation that I never applied for a credit card within their company and to cancel it immediately. They did without issues, I did explain that I need investigation of who is impersonating me, why are they trying to steal my information, and what they want from me. 

Unfortunately, I Strongly suspect that someone within the bank Is using my information to impersonate me, and to steal my information. I want immediate action in response from the bank to determine who is stealing my information, applying credit cards in my name, impersonating me and to take immediate action, including prosecution against them. I have tried calling them multiple times, including getting a supervisor and management without response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I was a victim of identity theft. Numerous accounts were opened in my name, as well as attempts being made to apply for credit. Upon becoming aware of the situation, I reached out to all credit bureaus and alerted them of the situation. All fraudulent accounts were removed after my identity being stolen was validated but the credit bureau has refused, and not given an explanation, as to why my inquiries have not been removed.
Product: Debt collection

Client Services , Inc. has aggressively continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I contacted the creditors and credit reporting agencies involved in the inaccurate reporting of my credit. Equifax, XXXX XXXX, XXXX, and XXXX. I asked that the inquires be removed from my account, they weren't, I also asked for them to delete certain accounts and they didn't. I also asked these credit bureaus to stop reporting old addresses by first calling them, disputing through XXXX XXXX, now I'm submitting a complaint through your bureau for all three as well as XXXX XXXX, I asked them to clear up old accounts, addresses and derogatory information and they refused. Illegally using and reporting my information and keeping my credit history and score at an inaccurate, discriminatory level. After careful research these companies have violated numerous Titles, sections and statues in Consumer Law, there are but not limited to : THE FAIR CREDIT REPORTING ACT THE FAIR DEBIT COLLECTIONS PRACTICE ACT TRUTH IN LENDING ACT CONSUMER CREDIT FAIRNESS ACT FAIR CREDIT BILLING ACT EQUAL CREDIT OPPORTUNITY ACT *Title 12 CFR 1006.6,1006.10,1006.10,1006.14.1006.18,1006.22,1006.26,1006.30,1006.42, 1026.4 Title 15 U.S.C. 1605,1611, 1666 ( b ) ( d ) ( i ) ,1681, 1681m ( d ) 15.3 Discrimination, 819.122 and 123, 7286.0, 7287.0 Title 18 U.S.C. XXXX XXXX Title 18 U.S.C. 666 Title 18 U.S.C. XXXX XXXX 1001,1002,1004,1005,1201 ( a ) ,1028, 1028 ( a ) 241,242, 287 and 2340 Title 31 U.S.C. 1301 and more
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : DEPARTMENT OF LABOR FC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 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 writing to express my deep frustration and distress regarding the inaccuracies found on my recent credit report. Following a thorough investigation, I uncovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to report accurately. 

These errors have had a profound impact on my financial stability and XXXXXXXX XXXX, causing severe distress and frustration. It is unacceptable that your agency did not ensure the 100 % accuracy mandated by law under the Fair Credit Reporting Act. 

I demand immediate action to rectify these inaccuracies. Your agency must conduct a thorough review of the disputed items and promptly correct any errors found. Failure to address this matter with urgency will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your negligence. 

I expect a prompt response detailing the steps taken to address the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 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, credit repair services, or other personal consumer reports

Good Afternoon, Today I noticed that XXXX XXXX pulled my credit without my approval. I didn't give any authorization for XXXX  to pull my credit and I have no XXXX  products. XX/XX/2022 is the day my credit was pulled. Please investigate, thank you.
Product: Checking or savings account

Went to atm to take out XXXX $ never got the cash but they took it out of my account and wont give it back to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 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, credit repair services, or other personal consumer reports

I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Product: Mortgage

I have a loan in XXXX XXXX, Texas with Mr. Cooper and the servicing is some of the worst, shoddiest, and unorganized service I have ever experienced. I have paid my mortgages on time for over a decade. I have several mortgage loans and two have been serviced transferred to Mr. Cooper ( against my wishes ). Both times this company has completely messed up the service transfer process. The latest loan ( referenced above ) was on auto-payment for years and for some reason Mr. Cooper 's website can not seem to retain my payment information. Therefore, every month, I now have to go into the site and manually pay. This is absurd for a company that specializes in " mortgage servicing. '' Side note : Mr. Cooper 's automated phone system is incredibly ineffective and I believe it may be in violation of some regulatory disclosures. For example, the automated system asks for either : 1 ) social security number or 2 ) loan number ; however, in the event the customer does not have the loan number the system simply reverts to the beginning or just hangs up. Honestly, an audit intern could identify this as an issue. And there are several standard disclosures that I do not hear on their automated phone system. 

I am embarrassed for the CFPB as I could easily write several enforcement actions against Mr. Cooper just based on my experience as a customer.

I would like the following done to resolve my complaint : 1 ) Fix my automatic payment 2 ) Waive any late fees 3 ) Repair my credit score ( if damaged in any way ) 4 ) Have Mr. Cooper retest their customer 's automatic payments
in UAT

5 ) Direct Mr. Cooper to run exception reports cross referencing recent late payment with " broken '' automated payments to identify potential anomalies related to either Mr. Cooper or customer changes. 6 ) Have Mr. Cooper implement several lines of contact. Currently, they call but during office hours. As noted above, I work in the same industry with the same hours in meetings so a text, email, message in the website, instant message, etc. would be additional measures in which Mr. Cooper could resolve this issue. Additionally, the CFPB should add the following to their examination procedures : 1 ) Have multiple interns follow the phone prompt for 1 ) proper regulatory disclosures and 2 ) customer ease of use 2 ) Access Mr. Cooper 's back-end servicing tables and query for excess late fees. Then cross reference to recent automated payments that have been stopped. Research for Mr. Cooper anomalies and root cause Mr. Cooper errors. Examine for thematic issues. 3 ) Have Mr. Cooper perform e
xtensive UAT testing for loans being serviced transferred to their system PRIOR to the service transfer. Have those results submitted to the CFPB ( or OCC if applicable ) prior to being allowed to move forward with the service transfer.