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

Wells Fargo is a horrible bank they mailed paperwork that was compromised via the USPS machine reader so when I got the somewhat requested documents which did not cover all accounts to include closed and linked accounts to the closed accounts. The requested paperwork was accessible to all. The envelope was torn wide open and USPS had to place the papers in a bag and put it into my PO BOX . That was ridiculous, unprofessional and made my private business available for all to see. I am not even sure that what was requested is all there. I have uploaded a picture to how I received my supposed to be private banking information and request that all years for XXXX and XXXX be sent to me and in respect to my privacy and sent to USPS properly which would not allow this to thick of a package to be sent through the USPS reader machine ripping the envelope wide open for all to see. The requested documentation should be sorted out organized by year XXXX and XXXX and envelopes should be sealed displaying not broken closings. I can not ensure that all pages are here and hope my proprietary information was not enclosed such as Social Security Number, Date of Birth, etc.
Product: Credit reporting or other personal consumer reports

On or around XXXX of XXXX, I went to a dealership to inquire about purchasing a used XXXX XXXX XXXX XXXX. I was given the vehicle to test drive for a few days. During the test drive time frame, the vehicle broke down on the interstate. I contacted the dealership and had the vehicle towed back to the dealership. I advised the dealership that I obviously did not want to purchase a vehicle that had broken down. The dealership said they would take a look at it and if it was something minor would I still be interested in purchasing the vehicle. I advised, possibly but it would depend on what the issue was. A few weeks later I received a letter and email thanking me for joining XXXX and a payment booklet. I was on my way out of town, so I took the payment booklet with me so that I could call the company when I landed. I called XXXX and spoke to a man, I advised him that I did not have the vehicle, that I never signed for the loan and asked why I had received a payment booklet. He advised that they received documents with my signature. I advised that I never signed anything, asked for a copy of the documents and even asked for video from the dealership showing that i signed. They advised me they would investigate. Their investigation was them calling the dealership and telling them i called. Nothing more. I assumed that it was resolved because I saw the dealership list the same vehicle for sale. In early XXXX, I received a call from a woman at XXXX stating that I was late on my car payment. I advised her that I did not have a loan with them. I did not have the vehicle and that I never signed any paperwork. She glossed over this fact and continued to try and make me pay for a loan that I never signed for. I refused. Later that year around XXXX or XXXX, I decided to check my credit report and saw that XXXX had placed the loan on my credit report and said i was late. Around this time, i also noticed that the vehicle in question was listed for sale on the same lot. I disputed XXXX XXXX Co ( XXXX ). They updated the report showing that it was a high balance of {$32000.00} but the balance on the account was {$13000.00} and that my last payment on the loan was XX/XX/XXXX, and listed the account as a charge off. This is completely inaccurate. I have never made a payment to this company. I never signed loan documents for the vehicle or with this company. They also listed the loan term of 66 months. I have no idea what the term may have been because I never signed a loan document. Also, based on their fraudulent update, they are stating that {$19000.00} was paid towards this fraudulent loan in 7 months. If this was true, how would the loan be eligible for a charge off? This company is a complete fraud, and has prevented me from being able to obtain credit.
Product: Student loan

I have a Direct Loan consolidation loan and Navient has been my loan servicer for 5 years. I 've repeatedly told Navient that I 'm planning to get the Public Service Loan Forgiveness Program after 120 qualifying payments and Navient has never once told me that I need to have my student loans serviced by XXXX if I want to be eligible for loan forgiveness. 

I will make the change this week. But it is a huge problem that this company has not informed me that they are not eligible for the PSLF program. 

Is there any way that I can get credit for the otherwise qualifying payments that I 've made to Navient?
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a one time consent to pull credit on XX/XX/XXXX to XXXX XXXX. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit. 

In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated. 

The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open. 

The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX somebody used my personal information and SSN to fraudulently to open personal loan with Discovery Bank. The total amount of personal loan with interests was {$19000.00}. It all happened during my absence from the US, at this time I was residing in XXXX and couldn't do this online.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I've consistently made sure payments on this account are on time, never allowing them to be overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Product: Credit card

On case number XXXX XXXX I returned some items to the merchant. The package weighed 4.40lbs and was confirmed as delivered, yet the seller claims it was empty and refuses to issue a refund. 

I attempted to dispute this through PayPal 's system, but unfortunately, the process is very flawed, and I encountered several issues. 

Despite providing all necessary documentation, my initial claim was denied on XX/XX/year> due to supposedly missing supporting details. 

My subsequent appeal was rejected on XX/XX/year>, because the case was incorrectly categorized as " Item not as described '', which apparently didn't meet PayPal 's criteria for significance. 

During a follow-up call to appeal again, my claim was denied yet again on XX/XX/year>, seemingly due to another misunderstanding/system error PayPal believed I claimed the seller agreed to issue a refund, whereas the issue was with the seller not honoring the return. 

This lengthy dispute resolution process has exhausted my ability to pursue further attempts at reaching a solution, like with my credit card. 

Considering the weight of the evidence and the documented return receipt I submitted, a case closure in my favor would constitute a fair and reasonable resolution.
Product: Vehicle loan or lease

I attempted to purchase my leased vehicle from the dealer earlier in XXXXThe dealer presented me with a so called " purchase agreement '' which included Over {$1200.00} in fees in addition to the payoff of the lease.Their representative said they were facilitating the sale as a courtesy to me and the fees were for " paper work '' the dealer had to do.I contacted the title holder and they agreed to send me the title to my vehicle for just the payoff amount with no extra fees included. The dealer also wanted me to finance the inflated sales price with their finance company.I believe the fees charged were unwarranted and excessive and that this practice is fraudulent, predatory and illegal.I complained to the dealer and the lease company but to date have heard from neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FCRA is constituency violated with TRANSUNION. I've called to speak to a live rep to assist in a dispute to REMOVE Fraud Alerts. Remove Initial and Extended. The rep keeps telling me he is an outsourced rep in XXXX and can not pull up my info to validate my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from Equifax because my credit report was 'blocked ' and XXXX  because 'they were not reporting a score '. I called both companies today. Equifax was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. Equifax requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. XXXX  said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact Experian but I don't anticipate that it will be fruitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items mentioned below were totally incorrect or has inaccurateinformationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} I am not aware of this account, I am not sure why it is reporting under my name and report. You should have done your investigation thoroughly and submitted any proof of validation to my address to validate that this account is in fact mine. However, you have failed to provide any proofs. Thus, this account should be removed in accordance to the FCRAs requirements. 

XXXX XXXX XXXX Balance : {$0.00} Why is this account still in my report? This account has been closed with no balance owed. Please justify the deletion request for this account. Also, provide any documentation to validate that your investigation and remarks are correct. Nonetheless, delete this account immediately. 

XXXX Date of inquiry XX/XX/XXXX I never had signed into this inquiry so deleting this inquiry will be highly appreciated if no proof is presented. 

XXXX XXXX  Date of inquiry XX/XX/XXXX Eliminate this inquiry, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. 

XXXX Date of inquiry XX/XX/XXXX Revise the date shown and the creditor name presented as I believe this may be an error. Verify or delete this promptly from my report. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX I suggest you take a look at the date this inquiry is showing. I don't quite remember this day. Please revise it or delete it. 


XXXX XXXX Date of inquiry XX/XX/XXXX Would you please take the time to verify this inquiry and make sure this is 100 % correct in reporting otherwise please extract this from my file. 

XXXX XXXX  Date of inquiry XX/XX/XXXX I am not sure I requested anything during the date shown. Now verify this data and soon have it fixed or deleted from my report. 
XXXX XXXX Date of inquiry XX/XX/XXXX I think this was not intentionally done. Please verify this inquiry along with the date shown or delete this off my credit report. 

XXXX Date of inquiry XX/XX/XXXX Establish a verification of the data presented. I believe it is incorrect so please verify and remove it from my credit report if unable to verify.
Product: Mortgage

I was approved both by XXXX ( owner of my loan ) and my servicer Ocwen for a loan modification on XX/XX/2016 ( Attached ) trial that went from XX/XX/2016 to XX/XX/2016. I made all of my required trial payments on time. Then in XXXX Ocwen stated they made an error on the first trial and issued me a revised trial dated XX/XX/2016 that went from XX/XX/2016 to XX/XX/2016. I made all of these trial payments on time. Then in XXXX Ocwen stated they could not issue the final modification documents until they cancelled out my first trial that was issued in error. So I kept paying my trial payments for the months XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. This last week my attorney who I hired to help me with this process advised me that Ocwen now states that they have cancelled both trials. My attorney states Ocwen makes mistakes like this all the time and what we believe happened is that they were only supposed to cancel out the first trial and they ended up cancelling both trials. I have now been paying trial payments since XX/XX/2016. Ocwen has messed up my modification process now two times and I am now back in foreclosure without any explanation from Ocwen except that they are working on it. My attorney has been calling them every month since XXXX and if we did not file this complaint Ocwen would just ignore their mistake until my house foreclosed. According to my attorney Ocwen can not put me into a trial unless I am already fully approved. Obviously Ocwen is violating the guidelines and they are also argumentative with my attorney every time they call. XXXX is even stepping in advising Ocwen to offer the modification. According to XXXX the modification has been approved since XX/XX/2016 and they have no idea what Ocwen is doing all this time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute Regarding Account Reporting Errors for XXXX XXXX  XXXX  Account ( # XXXX ) Dear CFPB, I am writing to follow up on a previous dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account. While XXXX and XXXX have updated my account to reflect accurate payment information and removed the late payments following their investigations, Equifax has yet to make these corrections. 
I respectfully request a detailed description of the investigation process your agency followed regarding this account, as required by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( 7 ). Credit reporting agencies are obligated to provide this description within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed that this account continues to inaccurately report late payments on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX To the best of my knowledge and records, I have consistently paid this account on time, as evidenced by the payment history provided by XXXX and XXXX. I have attached copies of these credit reports for your review. 
Additionally, pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must contain accurate information and should not include incorrect payment history data. The inaccurate late payments are negatively affecting my creditworthiness, and I request an immediate investigation and correction of these discrepancies. 
To aid in your investigation, here are the details of the account as reported by Equifax : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : Paid Account Status : Open Payment Status : Current Two-Year Payment History : Reflects late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I kindly request that you provide a detailed explanation of the reasonable procedures you have followed under 15 USC 1666 ( b ) to ensure accuracy, as well as any verifiable proof of these late payments. This proof should include dates, amounts, and relevant communications indicating that these payments were made late.

If Equifax can not verify the accuracy of these late payments, I expect the account to be updated to reflect the correct status of " Paid As Agreed, Never Late '' immediately. Please ensure that these corrections are made and provide a written confirmation of the updates. 
Your prompt attention to this matter is crucial, as the FCRA requires a timely investigation and resolution within 30 days of receiving this letter. Failure to do so will be considered a violation of the FCRA, and I will be forced to escalate this matter further. 
Thank you for your understanding and cooperation. I look forward to receiving your response and a resolution to this dispute within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ally auto loans paid it off on XX/XX/2021 said i had to wait 10 days for the title and lean relese called monday the XXXX and the lady said i get in 2 day and now the lady said now 7 to ten day they are scamming the carbuyers they got there money and now they they dont care about sending the title
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED. EQUIFAX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND XXXX. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXXXXXX XXXX  {$26000.00} Date Opened XX/XX/year> 2021
Product: Credit reporting

On XXXX XXXX, 2016 I initially reported that I did not make a purchase on a XXXX ' card with account number ending XXXX. I told them that I had paid my account in full I was told that I had to complete and submit a Statement of Fraud which they had to USPS mail to me as they do n't have it electronically. They told me once they received that the account would be flagged for fraud and I would not longer receive phone calls ( I was receiving phone calls several times a day asking for payment ). I waited a week and called back again and told them I had not received the Statement of Fraud. She said she would mail it again. I waited another week and finally received it. At that time, I completed the Statement of Fraud and mailed it that same day. I have called several times to check on the status of this and each time they tell me a fraud investigation has been opened. I called again on XXXX/XXXX/2016 and spoke with XXXX and he said it had been resolved and it would be escalated so we can get it off of my credit report as soon as possible. He told me I should receive a letter from XXXX ' in 7-10 business days. I asked if he could email it and he said no, they only used USPS. He then said it would take 30 days for the credit bureaus to update my credit report. I also just received a bill for the aforementioned account number and the balance is now almost {$200.00} ( I believe the original amount was {$57.00} ). I also received a letter from XXXX ' saying effective immediately my credit balance has been lowered to from {$600.00} to {$200.00}. My credit limit on MY card ( which is a different account number ending in XXXX and has a balance of {$0.00} is {$1400.00}. It is now XX/XX/XXXX and I have yet to receive a letter from XXXX and it is still showing on my credit report. Thank you in advance.
Product: Money transfer, virtual currency, or money service

I was asked to call 'Amazon XXXX after I could not access my XXXX account from my attempt to sign on. The number I was told to call was : XXXX. 

I was asked to transfer {$2000.00} via XXXX at Chase to close down 'fraud ' that appeared to be happening in my checking accounts. I realized it was a scam after I scheduled the transaction. I called Chase within 30 minutes and was told since I authorized it, there was nothing they could do. No recovery was possible. I had phone and date information on the scammer but they were not interested in that. I was told I have no recourse but to lose the {$2000.00}. 

The person I was speaking with called from : XXXX. They asked me to download the app : XXXX XXXX Support. They asked me to sign on to my bank account and they could see my balances. They gave explicit directions in what to do to eliminate the 'potential fraud. ' I reported the fraud to the Federal Trade commission. And I changed User names and passwords for all my financial accounts.