23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo foreclosed on our home in 2012 despite a year-long battle to try absolutely everything and being denied multiple times for assistance from them. The investor who purchased our foreclosed home told us on the day he picked up the keys that Wells Fargo had no intention of ever helping us whatsoever, and knowing that, his company would specifically go for homes with Wells Fargo mortgages because they knew they never helped their customers. I contacted them the first month we were going to be late on a payment because my husband lost his job, they told me they couldnt do anything until the 90 day mark. When we contacted them again at the 90 day mark, they told us there was absolutely nothing they could do and they had already started foreclosure proceedings. They lied to me, I fought with them for a year to try to keep the house and they denied every single thing we tried.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my purse and opened fraudulent accounts in my name with out authorization.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/2016 and the finance company was XXXX XXXX XXXX XXXX. They sent over this list of criteria the dealership had to meet in order to allow the loan. Long story short the dealership used deceptive practices and sold me a car that was not only grossly misleading of the condition and history of the vehicle it didn't meet the criteria for the loan either. I sued the dealership and won. XXXXXXXX XXXX  will not review my loan nor let me out of the contract even after I explained all of this to them. They constantly harass me every single month even though I make my payments faithfully. I do not want to continue paying for a car that the dealership dose n't even want it back due to the fact I have exposed them and the fraudulent practices they used to get me in the car in the first place. I have already paid about {$10000.00} to this company and if I have to sue them too for having knowledge of the fraud the dealership THEY ARE COOPERATING WITH then I will.
Product: Payday loan, title loan, personal loan, or advance loan

Ive been denied by affirm automatically for a few years now. As buy now, pay later has become more and more prevalent, and has infiltrated brick and mortar stores, I thought it was important to figure out why I, someone with fair credit and a job, was being denied. On XX/XX/2024, I applied for credit through affirm, but affirm claimed they could not verify my identity. I applied again on XX/XX/2024. Affirm could not verify my identity. I attempted to open an account through the affirm app. I enter my phone number on the screen and get an automatic message that says that I am unable to open an account at this time. I attempted a different way with my name and social security number, which leads me to verification code for an email that starts with XXXX, an email Ive never had in my life. I requested to verify a different way through my government issued id and selfie, but the screen timed out and kicks me out when I click next. I called customer service on XX/XX/2024 to resolve these issues. I was met with : we cant open your account because weve tried multiple methods to verify your identity. When I asked who was associated with the email with my social security number, affirms said they reset my account but I am still met with the exact same problems. The most frustrating part of this situation is that there was no recourse. My information was frozen with someone elses email and that was it. No supervisor to talk to, no reconsiderations, nothing. 
I would just like to be declined on my own worthiness. I want a fair shot. I want to know if someone has stolen my social security number. Affirm has made that impossible.
Product: Debt collection

LVNV Funding LLC was sent debt of validation letter, in which they provided statements & the terms and conditions. I then sent a letter asking for the method of which they used to verify the debt w/no response back to that letter. Which I attached in the original complaint. Complaint ID XXXX. Also, I requested the purchase agreement as well as the chain of assignments be provided to me as well, and I have yet to receive that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score both XXXX and equifax was XXXX on XX/XX/XXXX it took a hit for 100 points the following week with no explanation. It is currently at XXXX much less than where it should be, at least XXXX. There is an erroneous entry in collections for XXXX staying on record until XXXX. XXXX caused this error, not me! Several months later and you still have not corrected this problem. I may have to file another complaint with the NYS Attorney General. I am a XXXX veteran.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Hello, there is a tax lien public record with docket number XXXX with XXXX filed on XX/XX/2014 that was noted on my file that I have been trying for the last 5 months to get this entry removed. 

I have spoken with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a supervisor and asked from Equifax on how credit bureaus verify their public records. I want to know this information because the public record keeps coming back as verified every time. I had 5 representatives inform me that the dispute is sent as a letter to the courthouse via XXXX. Once the court verifies it, the information is sent back to the credit bureau. 

To make sure the correct information was processed, I contacted the court house and they educated me that they do not disclose any information via the credit bureaus. 

I decided to call Equifax back to speak with another supervisor, but this time they advised that the information is reported by the 3rd party who contacts the court house. 

I asked what information does the 3rd party give to the courthouse, and how & what kind of physical information does the 3rd party give back to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Equifax refuses to give my physical documentation that they use to verify this tax lien is mine and reporting accurately per the Fair Credit Reporting Act.
Product: Student loan

I have a student loan thru Navient I have been paying on the loans but over the years instead of the loan amount decreasing they have been increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law, USC1681 and USC 1681s2 this company violated my rights. I have a right to privacy and this company violated that right plus use my and reported my account improperly. 

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

Under XXXX USC XXXXi ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I used the company " wise '' ( previously transferwise ) to get funds from my partner in the XXXX ... after i had these funds for about 2 days wise shut my account down and ive been trying to get my account reinstated and money returned to me for over 14 days. 

the amount is about XXXX USD / XXXX GBP on XX/XX/2021, XXXX AM i was notified of my funds being paused and account closure. 

their team is SO slow i no longer have the patience.
Product: Credit reporting or other personal consumer reports

I am writing once again to express my bewilderment regarding the handling of the investigation into the fraudulent account on my credit report by your credit bureau. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission concerning this fraudulent accounts. Following this submission, both XXXX and XXXX have removed this account from their records. 

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

How many letters do a conusmer have to send to the Credit Bureaus in order for the removal of the fraudulent items from my Credit Report? This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/XXXX with the same attachments. But despite all the attachments, letters, anf CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$85.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$7400.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX 'S XXXX XXXX XX/XX/XXXX KMF XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

See attached documents - we were charged {$6300.00} for fees associated with a lease. It took Chase 8 weeks to get me the photos to show the damages and in the mean time my credit was dinged. This is after 6 weeks from the time I turned the car in. 

The Car was under warranty and there was a supplemental insurance policy- backed by Chase that should have covered the {$4100.00} headlight and {$1600.00} in dings. In addition I was charged a vehicle transfer fee of {$490.00} that should have been waived because I purchased a second vehicle- and turned in my lease before it was up. The tires only had XXXX miles on them, but I was charged {$610.00} for new tires. 

I was never informed by Chase or the Dealer of these fees- until 6 weeks after I purchased a new car. And I was told by Chase on two recorded calls I should not have been charged the {$490.00}. The dealer also said the car was under warranty but I needed the photo to prove my case. I had to call Chase 4X to get the photos. 

The car was sold before I was informed of any of this and my credit was dinged before I could do anything because Chase took another 8 weeks to get me the photos
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX with account # XXXX .... and XXXX XXXX with account # XXXX .... on my experian credit report is two debts that don't belong to me that I have no acknowledgment about and don't belong to me. These are a result of identity theft whereas these accounts are also in litigation as I am trying to get this off my report as they are not mine and they are fraudulent accounts. Experian fails to acknowledge my demands, and respond to my letters and complaints as in the screenshot I am going to send they deleted 5 credit inquiries from XXXX on 5 different dates but I have never applied for a discover credit card or made applications for credit on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There isn't even a XXXX inquiry on my credit report as the only Chase account I have is in good standing and has been opened from XXXX so how can I have a charge-off chase account balance where I supposedly owe {$1700.00} but I have a current up to date account with chase from XXXX and if I had a collection/chargeoff they would close my other accounts as well? This isn't making no sense and Experian keeps neglecting to respond or meet my demands or provide any type of information.
Product: Debt collection

This company is in violation of multiple FDCPA laws. I have sent a validation debt letter also a cease and desist letter over 45 days ago to this company. This company is reporting inaccurate information on my credit report and is causing me distress. The information that they are reporting is inaccurate and unverifiable. I have not seen this inaccurate information removed from my credit report, this company is still reporting this inaccurate information. I demand this company to stop reporting inaccurate and unverifiable information/accounts immediately and to cease all forms of communication with me through any and all mediums.
Product: Credit card or prepaid card

I was approved for a new Venture credit card from Capital One on XX/XX/2023. The physical card was shipped to me on XX/XX/XXXX, XXXX was no tracking link provided for this. I waited to receive the card, but in the meantime I was able to use the credit card via a Virtual credit card number provided to me within the CapitalOne mobile app. On XX/XX/2023 I noticed in my app that my physical card showed as activated. I immediately went to recheck my mailbox and the surrounding area but not see any card. I also noticed a suspicious transaction of {$280.00} on my account to the merchant : XXXX XXXX  XXXX XXXX ( Capital One customer service informed me that this was an ATM transaction - cash advance - and XXXX XXXX  shows this location in XXXX XXXX, CA ). I was worried and proceeded to call the Capital One customer service line at XXXX on XX/XX/2023 to report the missing card and fraudulent transaction. The customer service representative told me that the transaction was done at an ATM at XXXX Pacific Time and that my card was activated via their IVR service. The card was blocked but Capital One has denied my fraud claim and I have lost the transaction amount plus interest and a cash advance fee as a result. 

I have since called Capital One several times to get support on this issue and have spent easily over 1-1.5 hours on the call with their team. I have been unable to appeal my decision or get any insight into - what phone number was used to activate my card- and how they came to their decision in my case. Their customer service team has been the height of unprofessionalism in all my engagements with credit card companies. They keep transferring me from person to person and no one takes responsibility to provide support in my case.

I have reported my case with the FTC but am at a loss on how to get my money back from this situation. I also maintain an HYSA account with Capital One, and have a strong credit report but they seem to not value that in their determination at all. 

1. They did not provide a tracking link for their physical card delivery 2. They allowed a third party using a phone number unrelated to my account, to activate my credit card 3. I have claimed responsibility for all other ( much larger ) transactions on the card, made with the virtual card number- and have only pointed out the cash advance which was done fraudulently and is a type of transaction I was not even aware of 4. They have caused me stress, mental strain and wasted hours of my time without providing adequate service and details on this issue, and refusing to even let me appeal it. I am on hold since 20+ minutes right now and no support.
Product: Credit reporting or other personal consumer reports

I contacted Midland Credit Management, and I also contacted all three credit bills about the incorrect information on my credit report, stating I have two collections with with the above collection agency. I sent my letters certified the credit agencies all three have received my certified letters and have been signed for. I also sent a letter to Midland Credit Management as well Certified informing them that they have 30 days to not only respond, but to also update and remove those collections off of my credit report, this has not been done as of yet it just keeps saying account has been validated. I will be sending copies of my documentations that I have sent to all three credit bills and again to Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Student loan

In XX/XX/XXXX I began making Income Based Repayments on my Federal Student Loans through XXXX. Each month since then I have made on time payments and renewed my payment plan eligibility. During this time I was regularly assured by XXXX customer service that the payments I was making were counting towards the Public Service Loan Forgiveness program.
In XX/XX/XXXX my loans were transferred from XXXX XXXX to FedLoan Servicing and at this time I was also required to consolidate my loans. I continued to make on time payments through the Income Based Repayment plan and continue to do so presently. Having never missed a payment, all told, I should qualify for PSLF in XX/XX/XXXX. 

However, I recently began certifying my employment with the NGOs I have continuously worked for since XX/XX/XXXX and was told by FedLoan Servicing that none of my payments before XX/XX/XXXX count towards the calculation of my XXXX Payments for PSLF. 

I do not feel this determination is correct given my understanding of the payments I was making with XXXX dating back to XX/XX/XXXX and I want to know what rights I have to enforce the inclusion of those payments in the total calculation of my payments towards PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was paid off in full.
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit repor and notice i had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX AS AUTH USER : SS @ XXXX ACCT XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I submitted CFPB complaint XXXX a few weeks ago. I did not receive a response from BECU regarding my complaint, even though my case was closed out.