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

Some auto loan borrowers prepaid for XXXX coverage, which insures the amount owed on a car loan if you have an accident or your car is stolen. Wells Fargo acted unfairly by not refunding money when the loan terminated earlyfor example if it was paid off ahead of schedule.

Some customers auto loan payments were not applied correctly to their balances, leading to higher interest charges, late fees, and wrongful repossessions.

Some auto repossessions were also mismanaged, including how the vehicles were sold after repossession.

The amount of the payment varies. For automobile repossessions, you could be reimbursed at least {$4000.00}. Wells Fargo will also pay {$77.00} XXXX to approximately XXXX customers who had issues working with the company to modify their loan payments to avoid foreclosure. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My previous complaint was not taken seriously by Wells Fargo. 
They left me strained in Georgia with no way home for weeks. I never received any of the information they stated they sent to my home address. 

My complaint ID # XXXX I as a united states XXXX have been done so wrong and my rights as a human being were put into question. I have so much XXXX  and XXXX  from dealing with Wells Fargo. The mention of the banks name sends chills up my spine. I hope that you all can assist me in getting what I deserve. I believe I should be entitled the {$4000.00} plus more for my time and being left stranded and also my job being put into jeopardy. After I was able to get back home after weeks of being stranded in Georgia I had to take a mental leave of absence from work recommendation by my XXXX. I have the letter to prove this informing also. Please assist me in getting what I should from this unethical giant bank also know as Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number # 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.
Product: Debt collection

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a creditor can not report inaccurate information on a consumers credit report. Since this debt should have been reported under a Tax ID ( EIN ) and not your personal Social Security Number ( SSN ), XXXX has misreported the account, leading to an unfair drop in your score. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires that creditors update and correct information when they discover errors. Since XXXX has never reported your good payment history but suddenly reported a negative item, this constitutes incomplete and misleading reporting, which is prohibited. 

Under 12 CFR 1002.10, creditors are required to accurately report the credit history of an applicant, including timely payments. If XXXX failed to report your on-time payments but only reported the late payment, they are violating your rights by presenting an incomplete credit history. 

inaccurate entry on my personal credit report that has resulted in a XXXXpoint drop in my credit score. This issue is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the Equal Credit Opportunity Act ( 12 CFR 1002.10 ) for the following reasons : 1. The business credit card account under my Tax ID ( EIN ) has been incorrectly reported on my personal credit file under my Social Security Number ( SSN ). 
2. XXXX failed to report my good payment history but reported a single late payment, violating FCRAs requirements for complete and accurate reporting. 
3. This incorrect reporting has caused an unfair drop in my credit score, affecting my financial standing. 

As required by the FCRA, XXXX must immediately correct or delete this inaccurate information. I request that : This account be removed from my personal credit report since it was opened under a Tax ID ( EIN ) and should not be affecting my personal credit. 
XXXX retroactively report my on-time payments if the account is to remain on my report. 

Failure to comply with 15 U.S.C. 1681s-2 ( a ) will result in a formal complaint to the CFPB and potential legal action for damages caused by this inaccurate reporting. 

Please update my records immediately and provide confirmation of these changes within 30 days, per the FCRAs dispute resolution timeline.
Product: Debt collection

Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by Avant, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXXPrincipal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to Avant is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX, XXXX ( two separate pieces of correspondence ), XXXX ; and XXXX XXXX XXXX d/b/a or on behalf of XXXX XXXX XXXX, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am a customer of PayPal. I had my PayPal account linked to the XXXX account to receive payments. From XXXX XXXX I had received the amount of {$1300.00} from XXXX into my PayPal account. When the funds had been received, PayPal shut down my account citing " User Agreement Violation '' and has put the funds on a 180-day hold. I have since tried calling and emailing PayPal but the only answer I was given was to visit their legal department in person, in XXXX XXXX California. They have been holding my money for several months without citing and specific reasons as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX . Im sending this letter to remove personal information that i do not want on my credit report. This is reporting from XXXX XXXX loan and trust. According to the fair credit reporting act 12 USC 1681 b. I have the right to privacy and accuracy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. I contacted TransUnion, XXXX and XXXX and they have no removed it from my report. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights as well as 15 USC 1538.
Product: Money transfer, virtual currency, or money service

1 ) Your payment on XX/XX/2020 is pending One of your payments is pending. 

Amount : {$57.00} USD Transaction ID : XXXX Recipient : View the details of this transaction As part of our security measures, we review certain payments more closely to ensure our platform is being used properly and to minimize the potential risk for us and our customers. One of the payments that you sent is currently being reviewed. We are working to resolve this matter as quickly as possible. We apologize for the inconvenience. 

2 ) Your PayPal account is temporarily limited Dear XXXX As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$57.00} for, " Happy Birthday : May they all continue being raised according to the ways of the XX/XX/XXXX. '' Please provide the following information : An explanation of the reference to " the ways of the XXXX. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email compliancetransactions@paypal.com. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal , Inc . 


The reference to " ways of XXXX '' is a religious reference for the XXXX XXXX. It was a message wishing my grandchildren be raised to be good XXXX. 

The purpose of this money was a birthday gift. 
MY RESPONSE 3 ) If my account is not unlocked immediately and the payment does not go through as a birthday gift to my daughter, as was my intention, I will be IMMEDIATELY filing a complaint with the CFPB for religious and prejudiced discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my police report with the described incident of identity theft to experian on XX/XX/XXXX so the certified and first class mail to make sure it was received. 
It says it was delivered XX/XX/XXXX but when I call and speak to the dispute and mail team they all allege their is no documents. Even though I have a USPS certified slip proving it was delivered. I called XX/XX/XXXX to check in with them and see if they found my documents they said give them 48 hours to look into. A full week passed no notifications. I called again Wednesday XX/XX/XXXX asking for an update again and they put me through the same process saying they need 48hours again. They have made no attempt to help me with my matter and this fraudulent account on my report is severely impacting my credit score I am looking into taking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Asked XXXX, TransUnion XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report.

15 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Debt collection

The XXXX XXXX XXXX  XXXX/Velo Law Debt Collectors are contacting me regarding a debt that I do not owe. at inconvenient times and places. On XX/XX/2023, I have told their receptionist that this debt had been placed into XXXX  XXXX bankruptcy the receptionist made a threat to me over the phone, stating that their attorney would garnish all my wages due to a Judgement against me at the 46th District Court in XXXX, MI. In addition, the receptionist stated I do not care if you make a complaint to the state or the bankruptcy court ; we will get our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # 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. These accounts are very old and should be deleted from my credit. Credit bureau will not allow me to dispute this on their website.
Product: Credit reporting or other personal consumer reports

I am urgently filing this formal complaint due to a serious and repeated incident of identity theft. Recently, I discovered that someone used my personal information without authorization to apply for an auto loan in my name. This application was made fraudulently, without my consent or authorization, violating my rights under consumer protection laws. 

XXXX XXXX : XXXX XXXX. Account XXXX : XXXX. Balance : {$31000.00}. Date Opened : XX/XX/2024. Last Reported : XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person, I am a living human being, I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 


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 INQUIRY XXXX : XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX  XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX 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 Negative reports without written consent XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX
Product: Mortgage

On XX/XX/XXXX I found a complaint, number XXXX against Shellpoint Mortgage Company . I am currently in an active bankruptcy paying the bankruptcy trustee as well as paying the mortgage company. I had received several statements stating that I was {$15000.00} behind in my mortgage and all having different amounts of what my monthly payment was. I had acknowledged that I missed a payment in XX/XX/XXXX when I paid the Trustee twice in one month and that I was short payment amounts because Shellpoint had sent me the wrong payment amounts on their statements. When I called them to clarify, I was told to pay what was on the statement. Found out later that the Bankruptcy Department is the only department in Shellpoint that has the accurate information regarding my mortgage payment amount. No other department has access to my Bankruptcy file. If I call the general number I get transferred to Lost Mitigation as if I am not in Bankruptcy protection. 
Shellpoints response to my Claim to the CFPB, was an explanation of why I had received different payment notices but not why the statements kept showing I was behind XXXX. I have several recorded conversations where I have called the Bankruptcy Department about the XXXX and I has been told multiple times to ignore that notice. It is generated outside of the BK Department. After I received the response from Shellpoint regarding the CFPB, I called the BK Department and they clarified that I was not XXXX behind but {$3200.00} because if the missed payment in XX/XX/XXXX and being short on two payments due to being send the wrong statement amount. 

On XX/XX/XXXX, A notice from the Bankruptcy court that I have a hearing on XX/XX/XXXX where Shellpoint is requesting the stay of bankruptcy to be removed and that I owed {$15000.00}. When I called Shellpoint I got the Los Mitigation department and they stated that they have not received a payment from me since XX/XX/XXXX and I have enclosed my bank statement showing all of my statements to them since XX/XX/XXXX to Shellpoint and then I have all of my bank statements from XX/XX/XXXX that I can send upon request. 
I believe ever since that I gave notification that I would miss two payments because of Covid in XX/XX/XXXX, that I have since paid back, Ive been dual tracked. I have been in a Loss Mitigation as well as Bankruptcy. If I call Shellpoint right now I am going to be sent to the Lost Mitigation Department and not the Bankruptcy Department. 
Also, I was told by bankruptcy that Shellpoint Lost Mitigations are charging me fees that they should not because I am in Bankruptcy and not in Lost Mitigation. Theses fees have exponentially increased my escrow account. I want this investigated. 
Dual tracking is illegal and I have proof that I am not XXXX behind. I need this investigated ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a credit report and I 'm seeing a lot of " In Collections/Charged Off '' accounts. Between XX/XX/XXXX and XX/XX/XXXX I was enrolled in a debt consolidation program. All of my debts were settled with the creditors and paid in full. These accounts should not be reporting negatively on my credit report. One of the accounts I 'm referring to is a Discover Card account with a last payment made on XX/XX/XXXX ( says XX/XX/XXXX on credit report ). The original balance on this account was {$990.00}. The debt was settled for {$930.00} and paid as follows : {$460.00} ( XX/XX/XXXX ), {$230.00} ( XX/XX/XXXX ), and {$230.00} ( XX/XX/XXXX ).
Product: Debt collection

Berlin Wheeler - KS contacted me via telephone about a debt for XXXX XXXX account. The account is for cable service provided to a home in Oklahoma. I have lived in Maryland for over twenty years. The service ended up being for an address that is occupied by a family member. I agreed to pay the debt to avoid my credit being damaged. Once I provided them with my address in Maryland  they immediately filed the debt on my credit report the same day. 

Prior to their telephone call onXX/XX/XXXX, I had not been given notice that they were attempting to collect a debt, which would have allowed me the opportunity to address the debt or dispute it. 

When they contacted me via telephone they never mentioned that they would be filing this on my credit. I assumed that since I agreed to pay that there would be no further action. Again, this is not my account but an account that was opened for use by a family member.
Product: Debt collection

XXXX XXXX XXXX Acct : XXXX From the period beginning XX/XX/2020, I experienced continual service interruption issues and was not provided statement credits as promised by XXXX agents. I made repeated calls to XXXX informing them that further payments would not be made on this account until credits that were due and promised were issued on the above referenced account. XXXX has refused to provide a corrected statement. 

On XX/XX/2020, I called XXXX and spoke with XXXX in retention and requested that the service be disconnected and once again requested credits against a final bill. XXXX assured me that credits would be issued and that she was sending me a box inside which all equipment was to be placed and returned to the address indicated on a XXXX supplied return label. Said box was received on XX/XX/2020, and, on XX/XX/2020, all equipment was returned as requested using the XXXX supplied label, and in the XXXX supplied box. To the date of this letter, the undersigned has not received a final, corrected, accurate and reconciled final bill. 

I have disputed this debt and XXXX continues to attempt to collect an incorrect amount, and refuses to provide a corrected bill. Their records will clearly reflect out of service dates and details of my contact with them. I have continually requested a corrected, reconciled statement but have not received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had stolen my identity and someone had stolen my caredit card and used it
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, a XXXX XXXX, and a consumer whos consumer rights are protected by 15US code consumer laws. I recently received a copy of my consumer report and found that my consumer rights have been violated under the law. XXXX XXXX XXXX  account number XXXX has furnished late payments on my Experian consumer report in XXXX XXXX and XXXX of 2023, This is a clear violation of my consumer rights by both XXXX XXXX XXXX  and Experian. 
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code clearly states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I gave no permission or consent verbally, written, or electronically to furnish these alleged late payments on any of my consumer reports.

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of Construction- Exclusions from a consumers report clearly states.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeA consumers transactions are excluded from consumer reports.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete these alleged late payments on this account for this is a direct violation of my consumer right under this law and is grounds for legal action against all parties involved. Failure to respond to my demand under the law in 30 days or less will result in legal action for which I will be seeking damages of {$1000.00} per violation.

1 ) Defamation of Character 2 ) FCRA 15 USC 1681 violations for willful non compliance -616 Civil Liability for willful non compliance under 15 USC 1681n Please Understand these actions taken by these companies to furnish then report these marks have harmed my credit and reputation and my ability and freedom to bank, do business with, obtain funds, be approved for credit at low interest rates and to buy or move into a better place for me and my family. Please address this in a timely manner under the FCRA.

Thank YOU.