23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo decided to call me today, and told me that the fraud claim that I had reported in the past, and due to the claim that I filed JUST this week over an ATM Withdraw where the money wasn't dispensed and I actually spoke to the business manager in person face to face, and he assured me nothing was charged even though I SHOWED him the charge. He told me it would drop off in a few days, that they will be closing my Debit card. Which during Covid-19 I am using, so that I do not have to get out and write checks, So that I do not have to go to the bank. The Lady insisted that she counted 30 Claims. Which I know for fact, I have not filed 30 Claims. If someone filed these, I am not sure who it was. I have filed a fraud claim in the past because I was actually frauded which wells fargo didn't refund anyways. The Merchant had to. Which I had to reach out to, and for the ATM withdraw that the merchant promised me I wasn't actually charged that would fall off in the next few days and never fell off. I tried Explaining to the lady that I am not aware of what she is referring to. I told her, anytime a claim has been filed I have explicitly provided detailed documentation as to what happened during that incident. I told her no further claims would be filed for the next 12-Month Period unless fraud occurred. She told me did not care that I rely on my debit card to pay my electricity, she did not care that I rely on my debit card to pay my water bill, or to pay my food expenses at the grocery store. She did not care. Wells Fargo does not care, they encourage people to go to the branch and to catch Covid-19, When on their Website it says the opposite. It says they are here to assist you digitally. I do not feel like the closure of my debit card was fair, and or was unethical practices. I have not done anything to harm the bank ever. I know exactly what happened, and I tried explaining it to the rep who seemed to get hostile on the phone and didn't care what I had to say.
Product: Credit card

I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Hunter Warfield/streetlane homes- has been paid on time and in full. 

XXXX XXXX has been paid on time and in full. 

XXXX XXXX-has been paid on time and in full. 

XXXX XXXX XXXX has XXXX paid on time and in full.
Product: Credit card or prepaid card

I received an email on XXXX indicating my credit card through Comenity Bank would be closed on XXXX. The email indicated I could use the card anytime before XXXX and a single purchase would keep the account open. On XXXX I received a message in the credit card portal indicating my account had been closed, three days before it was to be. I attempted to contact customer service, and I got to a supervisor named XXXX. She indicated that my account was coded requiring me to consent to a credit check to keep my account open. She stated that the account had been suspended, so even if I tried to use the card before XXXX as indicated in their email communication I would not have been able to. If I attempted to use the credit card it would not have been accepted and I would have been advised to call Comenity Bank at which point they would have told me I had to consent to a credit check. No communication from Comenity Bank indicated I had to consent to a credit check for an open account in good standing. Their communications with me, via customer service, was that I should have had until XXXX to use the credit card. Their response is I should have called when I received the email on XXXX so they could have told me that I needed to consent to a credit check.
Product: Debt collection

Account opened XX/XX/year>. Amount claiming to be owed is {$2300.00}. Original Collector is DNF Associates.

I requested that they provided the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed account of the charges that led to the debt, including any interest, fees, or additional charges.

4. Documentation that proves they have the legal right to collect this debt.

5. A copy of the original signed agreement or contract that establishes my obligation to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Debt collection

In XXXX of XXXX XXXX with XXXX XXXX XXXX contacted me at work and got through the front desk. I work at a XXXX XXXX XXXX and these calls are not allowed to be solicited. On XX/XX/XXXX she attempted to contact me TWICE within seconds of each call and then contacted my work at the front desk to reach me, after I asked her not to and provided my cell phone was the best means of communication during our first communication. This is harassment and completely unacceptable. XXXX XXXX XXXX was notified by XXXX XXXX XXXX that I am working with a debt relief program and they sent over the power of attorney paperwork. XXXX has also continuously contacted me by phone and calls repeatedly back to back. This is harassment and illegal to contact the place of work when she had attempted to call me minutes prior. I am a full time employee and if I dont answer my phone or contact the company back within my working hours, it is harassment to continuously try within so many minutes. This is inappropriate and unacceptable behavior.
Product: Debt collection

I received a notification about my credit going down due to a collection I look and seen that it was from account adjustment bureau and I contacted them and explained that I paid and closed that account last year so they said they was sending me information to dispute it and I receive the information and its in accurate. Can you please look further into this action because I always paid rather late I never not paid thank you have a bless day
Product: Vehicle loan or lease

Consumer Protection Agency Complaint GM Financial XXXX XX/XX/XXXX GM Financial had an obligation to honor the Total Loss Protection Addendum, and to obtain that settlement in accordance with the terms of the original agreement. 
The original retail purchase contract agreement included a Total Loss Protection Addendum at the time of purchase in XX/XX/XXXX. The contract agreement was originally financed through AmeriCredit, then assumed by GM Financial. 
In XX/XX/XXXX, XXXX options were presented as a final disposition offer to offset the loss. 
1 ) Finance another vehicle with XXXX XXXX or, 2 ) Confirmation that surrenders the damaged vehicle to XXXX XXXX XXXX, through a XXXX XXXX XXXX XXXX, by XXXX XXXX who collaboratively agreed to the Total Loss of the XXXX XXXX XXXX XXXX and recovered their vehicle. 
Moreover, pursuant to the Consumer Financial Protection Act and 15 U.S.C.

1692 ( e ) and ( f ) under the Fair Debt Collection Practices Act ( FDCPA ). The federal law limits the actions of GM collection tactics. 
a ) that overtly holds the misrepresentation of debt now tied to my consumer credit reports and subsequent credit under-rating is used to coerce, bully and browbeat the borrower into submission is intentional and, b ) who are attempting to collect alleged GAP ( Total Loss Protection ) a provider will pay the lienholder the remaining balance of the loan.

Pursuant to 15 U.S. Code 1692k - Civil liability, after filing an official complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX has been given legal advice to explore potential legal civil remedies against GM Financial XXXX, such as filing a civil complaint in US District Court, as well as and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

This the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have three fraudulent inquiries on my XXXX credit report, that i have reported to XXXX agency and they have yet to delete the incorrect information on my credit file. 

I called several times and when Im not getting anywhere with customer service agent, I than request for a supervisor but of getting to speak with a supervisor the agent placed me in a hold for over an hour. 

The inquiries that are in question are listed below. 
XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute was done but I never received anything from the creditor yet over a XXXX dollars of interest is on this too. 
It said on credit report that this " XXXX " settled it and charged off. Then this company said they bought it and it's owed.. 
I don't know who XXXX is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just had a major security breach, exposing many people 's private information. My SSN, my name, my address, could all possibly be leaked and open at this moment. I confirmed that my information is more than likely stolen by checking on their website, equifaxsecuirty2017.com. I fear my information has already been stolen as well, I have tried to create a XXXX XXXX account to keep track of my credit, but my information is apparently " invalid '', and they ca n't identify me with my SSN. I tried to get a report on XXXX, but the same issue rose from that website as well. I am going to attempt to freeze my accounts and hope this will be resolved somehow. Other than that I am honestly fearing the worst possible scenario at this point.
Product: Money transfer, virtual currency, or money service

I was hacked for over $ XXXX through the Cashapp app. I tried to get help through cashapp to learn that the hacker was using the app as customer service. My bank investigation lead me back to cashapp as the responsible party whom never resolved my issue or refunded my money. Im sure this has happened to many others. Someone needs to be accountable.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE 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
Product: Credit reporting or other personal consumer reports

The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Item : XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX Opened on XXXX XXXX and XXXX  XXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXXXXXX XXXX  account # XXXX Opened XX/XX/XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of cries 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 Accout XXXX XXXX account XXXX XXXX previously said deleted but was not deleted from my report
Product: Vehicle loan or lease

I was sold a used XXXX with a bad battery that only charges up to XXXX miles. This was not communicated. Then i was given an unfair loan where despite making payments on time for a year, i am XXXX dollars underwater.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
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, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXXXXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXX XXXX  XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX  XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX  XXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

In summary, I have two complaints regarding deception and overall bad business practices from my student loan servicer, MOHELA XXXX XXXX  XXXX XXXX XXXX XXXX ). Here is the summary : 1 : MOHELA put my loans in forbearance when I had not requested them to be. I had requested a lower monthly payment via the SAVE program.

2 : MOHELA sent me an email lying about some or all of my loans being discharged when in fact none of them were. It was a ploy to send me a message saying that the forbearance they granted me ( which I didn't even ask for ) would only last for 2 months. 

I'll elaborate. 

I can't find the exact date, but last month ( XX/XX/XXXX ) I had requested an income driven repayment plan on my loans. This morning ( XX/XX/XXXX ) I woke up to an email from MOHELA with the tagline " Some or All Loan ( s ) Discharged ''. I couldn't believe it. " Discharged '' would mean " forgiven ''. I immediately became suspicious. I opened the email and looked at the address to make sure it was actually MOHELA and not a phishing scam ( it was MOHELA, the email came from XXXX ). 

The email opened with the following : " The U.S. Department of Education ( ED ) recently determined that some or all of your loan ( s ) will be discharged.

The electronic notification which can be found in your MOHELA account, provides more information. '' I logged into MOHELA to see the message. I checked my inbox and sure enough, there was a message titled " Some or All Loan ( s ) Discharged ''. I clicked the attached pdf which reads as follows : " The deferment or forbearance to postpone payments on the loan ( s ) listed below will end on XX/XX/XXXX. '' The document then showed my list of loans and made no mention of loan discharge or forgiveness. I had no idea I had even been put on forbearance nor did I request it. I looked at my other messages and saw I had one from XX/XX/XXXX titled " Your Forbearance Has Been Approved ''. The attached pdf reads as follows : " MOHELA placed an Administrative Forbearance on your account when processing your Income-Driven Repayment ( IDR ) request. '' The pdf then listed the terms of forbearance. I have attached both PDF 's below. This was the first time I had known I was placed in forbearance and it had nothing to do with loan discharge. 

I am asking you, the Consumer Financial Protection Bureau, to expose these shady and deceptive practices from MOHELA and hold them accountable financially and legally for their lies and deception. Thank you for your time. Please contact me if you need more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE XXXX, REPORTING ON : ONLY XXXX 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX
Product: Credit card

I was booking XXXX XXXX. On the XXXX XXXX American Express offered a promotion for {$200.00} if my credit card application was approved. My credit card was approved, and I never received my credit. I called American Express. My {$200.00} credit was not honored due to the fine print. American Express never notified me about it. I paid my credit card balance in full. 

They created small loopholes to avoid giving the credit they offered. It was a bait and switch.