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

The bank sent an email regarding suspicious activity I called in to inquire what happened they said someone from Arizona hacked my account so they closed it and set up a new account. The old account was closed. Even though the account was closed due to fraudulent activity. The bank continued the fraudulent claims made on the old account therefore a charge back was put thru to my auto loan that put me in default to my contract and they revoked my loan and took my car and I am now facing eviction as well due to multiple charge backs on all my bills. Wells Fargo refused to write a letter stating their faults so now the car loan wont accept me due to my account being hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, US DEPT ED Account number XXXX and DEPTEDXXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my wife joined XXXX years ago National debt relief program. The got the personal loan I had with Penfed credit union because my wife signed as cosigner. During the debt consolidation program penned collect some of the debt from my wife through national debt relief but they did report it to XXXX and XXXX as rightoff and bad credit and they didn't report that some of the money is paid off. This happened also with XXXX XXXX XXXXXXXX. Here I paid some of the debt through national debt relief but is not reported to XXXX and XXXX.
Product: Credit card or prepaid card

Not only did they fail to file my disputes when I submitted them they have been extremely rude and volatile towards me. I called back to check them and that's when I had to resubmit them and they denied them. These charges were blatantly fraudulent. Ordering pizzas in other states and using XXXX pay to someone I don't know. I've spent hours upon hours on hold and speaking with incompetent employees that all give me different answers. I've escalated these charges 3 or 4 times without any investigator calling me to make a determination. Today I found out they closed my escalations because I have failed to provide any more information regarding these charges. Unbelievable ... .How can a company exist with such unethical practices. Not only exist but represents our government assistance. I've never been treated so terribly by a company that is supposed to represent me and my interests. I was the one stolen from and now they've turned their backs on me without my voice being heard. I don't have the exact information in front of me of the dates and amounts but I know 3 pizza deliveries in other states at the end of XXXX I think, a XXXX pay to someone I don't know, and others which I would be happy to gather the information necessary to complete this.
Product: Mortgage

I had a HELOC with XXXX. They went out of business and it was assigned to SLS. I filed XXXX XXXX and included SLS. That was XXXX or and never heard 1 word from SLS for 10 years. They contacted me in XX/XX/XXXX and demanded $ XXXX or they would foreclose. I pleaded with them but paid the $ XXXX. The balance should have been $ XXXX. Now Im trying to refinance to pay them off and theyve added to the balance, all payments and interest due for the past 10 years increasing what I owe to $ XXXX!!!! This is so unfair. Please help me. They are so rude and wont even discuss a solution with me. They never contacted me at all until they saw property values have greatly increased so now they want their money and threatening us. We are under so much stress and pressure with this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
WELLS FARGO XXXX
Product: Debt collection

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LTD ACQUISTN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LTD ACQUISTN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I placed an order with XXXX XXXX on XX/XX/2023. Every few days, they delayed the shipment of my items so I canceled the order on XX/XX/2023 because it was clear that they were selling items on their website that they did not have. Unfortunately, XXXX XXXX placed XXXX ( four ) payment authorizations on my Pay Pal account totaling {$140.00}. I have communicated back and forth with Pay Pal and XXXX XXXX and they each blame the other for this situation. I have {$140.00} of my money being held up because Pay Pal will not release these " temporary '' authorizations.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made 10 consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made 18 consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me 27 months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.
Product: Student loan

I called XX/XX/2018 and asked about lowering my payment. It is XXXX. I asked them for another option that would reflect my income.
Product: Credit reporting or other personal consumer reports

Synchrony Bank the creditor reported inaccurate information after they have been receiving payments on time and after contacting customer service regarding the issues that they have caused me by not correcting the information after speaking with their customer service representatives that are not doing their job as requested by phone or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my XXXX  loan status updated. I referenced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  v. XXXX XXXX XXXX XXXX., XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies. 

Under The XXXX XXXX XXXX I have XXXX  accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to XXXX, XXXX and Experian multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other XXXXt loan accounts previously paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPT OF EDXXXX XXXX Balance : {$3300.00} ; DEPT OF EDXXXX XXXX Balance : {$11000.00}
Product: Credit card

I mailed a payoff check to Chase bank at the address listed on the billing statement and the package was confirmed delivered by USPS Priority mail on XX/XX/XXXX. After checking my account for several days to see if the payment posted and discovering it had not been ; today I contacted Chase to inquire about the status of my account and was told they do not have the payment and did not know where it was. I explained that it was picked up at the post office on the date listed above at XXXX PM Chase didnt offer any assistance to locate and have the payoff posted. They advise me to cancel the check and to send a new one. Chase didnt offer to pay for the stop payment and continued saying they dont have it. I have little to no confidence in sending a new check and feel Chase should reimburse any interest and stop payment fees associated with my account since XX/XX/XXXX as I do have confirmation of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was made and acct paid and it still show delinquent on file and has been taken off of other credit bureaus and not XXXX XXXX they wont take it off I have tried several times and its almost impossible and they want you to pay XXXX dollars for service
Product: Credit reporting

On XXXX/XXXX/2016 I, in writing and fax to Experian requested them to update my personal information to my current address to XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I requested Experian to remove all the other addresses off my report. They are not correct. They have failed to do so! 
Furthermore, I enclosed my Social Security Card, Passport, and Proof of Residence with my request.
Product: Checking or savings account

I deposited a check on XX/XX/19 in the amount of {$4900.00} and it cleared without issue. The bank can not reverse it at all. By law the checks take 2-3 days to clear. But on XX/XX/19 my account was in overdraft by that amount. My bank uncleared the check for no reason and without warning. I filed a complaint, tried to follow up with the bank, and the sender, and got no real answer. I have proof of the check clearing on XXXX in my statements, so I do not understand why this is happening to me. 

In a response from Wells Fargo they basically say nothing. Why did they clear the funds? And more importantly, once the check cleared it was my money and they can not confiscate this money without due process ( i.e., a court order ). Just saying the other bank asked for the money means nothing and it is my right to sue them for this. They are taking my money away without due course and I will be seeking legal remedy. 

Furthermore, I demand my money back. An explanation of what happened and why is not sufficient after this gross injustice. The whole point of having a bank account is knowing that my money is safe, not to wake up one day with an insufficient funds notice because one or more banks decided to unclear a check after three months. 

Additionally, on XX/XX/19 I was told by a customer service rep ( XXXX ) over the phone that the check would be returned to me because I hadn't endorsed it. I thought it was illegal to clear and unclear checks like this. They can not take away the money that belongs to me after funds are credited to my account- at that point that is my possession ). 

To conclude, Wells Fargo describing this happened does not clear the issue. They took my money away based on a no reason given issuer bank demand - that is ( at least to me ) a violation of Federal clearing laws - all check clearing related matters are governed by Regulation CC which prescribes the rules for this under the law : under Expeditious return of checks. ( which gives 2 business days to return a check ) and Notice of nonpayment ( which also asks for two days limit for such notice that notice can be via returned check, a writing ( including a copy of the check ), or telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXXXXXX XXXX finance is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my XXXX but its still reporting on my XXXX and Experian list of tracking number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  XXXX  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.
Product: Credit reporting or other personal consumer reports

All my Federal Student Loans ( Nelnet ) were XXXX through the Total Permanent XXXX unit at Nelnet on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XX/XX/XXXX, all the accounts have reappeared showing me in 120-180 day default, and my scores dropped massively.
Product: Mortgage

Mortgage fraud and unfair business practice against Select Portfolio. On XX/XX/XXXX, Select Portfolio sent a letter stating to contact them for Mortgage Assistance and resolution. I contacted Select Portfolio and they stated there's no options available and that the Mortgage issue has been referred to an Attorney for Foreclosure. 

Select Portfolio and XXXX XXXX  has committed Mortgage Fraud. XXXX is still the Lender of my Mortgage loan. Select Portfolio stated they are not the decisoin makers, XXXX XXXX  is the decision maker. This method is very unfair and XXXX is not in compliance in allowing me the opportunity to address my mortgage balance of {$84000.00}. XXXX sold my mortgage as a bond to Select Portfolio for {$240000.00}. My issue is XXXX is doing the same mortgage fraud they were fined by the US Government. XXXX is shielding all responsibility of my mortgage issues through Select Portfolio. 

Please add my name to both the two Class Actions suits against XXXX and Select Portfolio. Select Portfolio refuses to resolve this issue. It is time for the Consumer Financial Protection Bureau to fine both of these Mortgage Companies. XXXX was given the Bail out money to assist me in the HARP but has failed to do this. I was given a 36 months fixed 1 percent for Military Assistance program since XX/XX/XXXX through XX/XX/XXXX. XXXX and Select Portfolio is not taking responsiblities for their wrong doing. 

The Georgia State Attorney General advise me to submit a Mortgage fraud suit and to hire an attorney to sue both companies. 

Select Portfolio told me tonight they are not willing to assist me in this matter
Product: Consumer Loan

WELLS FARGO XXXX is reporting this loan as INCLUDED IN BANKRUPTCY. I paid for this loan in full and was not included in my bankruptcy.