23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have reached out to Wells Fargo many times to try to reduce my monthly payment for my private student loans. They have reviewed my finances two times in the past two years and determined based on my gross income that I can afford the monthly payment. They do not even take into account the other student loans I have or my monthly living expenses. One time I was told that I should get my co-signer to pay if I ca n't pay. When I told the customer service representative that my co-signer could not pay, then he apologized and said he could not do anything for me. I asked to speak to his supervisor and he forwarded me on to the supervisor, who told me the exact same thing. One representative asked me if I could borrow money from another person to pay my loan payment. I called multiple times prior to falling behind on my loan payments, and they refused to work with me to reduce my payments. Every time they mention a deferment, they say that I need to make a payment to bring the loan current. When I tell them that I can not make a payment, they again bring up that my co-signer should be helping me make the payment, and say there is nothing they can do until I make a payment. They have offered to put me on a deferment but I need to make XXXX consecutive payments in order to get on the deferment. When I tell them that I absolutely can not make the payment, they again say that there is nothing they can do for me. They bounce me back and forth between different departments, and when I ask to speak to their supervisors, they will sometimes transfer me to a person or someone 's voicemail, and they will tell me the same thing. They have sent numerous threatening letters and call both myself and my co-signer often daily and say in the letters and phone calls that they have tried to get a hold of me. When I call them, they tell me the same exact thing-either that I will need to make some kind of payment to be put on a deferment, or that I do not qualify for a payment reduction/change in my payment plan. Every time I ask the representative what I should do since I can not make the payment, they say I 'm sorry, there is nothing else I can do for you. I applied for a consolidation loan and they declined me, although they keep suggesting that I apply for the consolidation loan every time I talk to a representative. They refuse to work with me-they offer options and then tell me I either have to make a payment or do not qualify for the options. They have offered no real, viable options to help me afford my monthly payments.
Product: Payday loan, title loan, personal loan, or advance loan

Over paid in interest charges despite its full-refund policy
Product: Debt collection

They have claimed that i owe XXXX XXXX XXXX and i cancelled that service several times and they have refused to verify the debt. I want collection off of my credit report or I will take legal action against them.
Product: Credit card

Account XXXX XXXX XXXX XXXX I notified Experian on XX/XX/year> there are errors on my credit report. the errors have not been corrected. Based on 15 USC 1681 XXXX, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report highest has the account status paid, XXXX is reporting paid, XXXX is reporting derogatory.
Product: Checking or savings account

Between XX/XX/2024 and XX/XX/2024, over XXXX was stolen from my account two different people used XXXX XXXX i reported the first one and when I went to do the second time it was still pending and they said it would have to come off of pending, which then they ( sofi bank ) froze my account and then two months later closed it because it was a negative balance on it for 2 months which I didnt do. My social security went into that account. well when they froze the account i went and got another bank account with another company.
Product: Student loan

I have been attempting to retrieve my payment history for the year XXXX from my loan servicer Mohela. This information is needed as I have received a grant, and need to show that I applied the grant money to my loan payments. The information needs to have my full name and the name of my servicer Mohela. This information is not available on their website. I have reached out via phone to Mohela, as well as email multiple times to complete this request. Mohela then sent an email response on XX/XX/XXXX with inaccurate dates and payments amounts. The numbers were so egregiously wrong, they did not even reflect what is on the account history when I log in. This has become such an unbelievable burden and is terrifying to see how my loan servicer is operating at such a poor level.
Product: Payday loan, title loan, personal loan, or advance loan

On or about XXXX of the year 2019, I opened an AMERICAN EXPRESS credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXX of 2019, various of my accounts were stolen/hacked including this American Express card , bank account, and a new unauthorized American Express loan account was opened in my name. I filed an official Criminal Complaint with the Court in the Commonwealth of Virginia about this fraud and theft. 

I sent American Express a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

American Express responded by denying my fraud claim based on the allegation that my bank was linked to this new illegal and unauthorized account and that I allegedly didn't notify my bank of the fraud. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to American Express with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/2021 XXXX Date of inquiry XX/XX/2021 Equifax XXXX - Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a bankruptcy dispute on XX/XX/21 to Experian which they received and started the dispute on XX/XX/21. I submitted documentation from XXXX XXXX that showed that they couldn't verify the bankruptcy on my report therefore they had to remove it. Experian finished the dispute on XX/XX/21 and said that they verified the bankruptcy with XXXX XXXX which is false.
Product: Debt collection

This credit services is attempting to collect a debt not owed by me. i have no knowledge of this account and it is considered as identity theft or fraud.
Product: Debt collection

I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?
Product: Credit reporting

On XXXX XXXX, 2016 I 've noticed a hard inquiry from XXXX XXXX XXXX XXXX XXXX ) reported by TransUnion. I have n't applied for credit cards over the last three months. I 've tried to call TransUnion but there 's no way to speak with service representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America account shows delinquency between XXXX and XXXX of 2019. This information is incorrect. The account was closed prior but due to yearly fee, it continued to show a balance. This was worked out with company and we received letter from company saying there is no delinquent history. Yet it continues to show up on credit report.
Product: Mortgage

In XXXX I had authorized Ocwen to automatically deduct from my XXXX account the amount of my mortgage on a monthly bases. through out XXXX Ocwen was deducting my mortgage from my bank account. In XXXX of XXXX I had to file for Ch.XXXX Bankruptcy but continued to pay my mortgage. Then in XXXX of XXXX, Ocwen stopped taking my mortgage from my bank account.
Product: Credit reporting or other personal consumer reports

I tried to login to my free Transunion account online to get my free credit report. My username and password did not work. When I asked to reset my password it asked to send it to my email address, XXXX. I did this LAST WEEK and got an error code that said : Unable to send passcode due to txemail iterable service being down. We can't move further. Please contact the support team. 

I tried again today, days later, and got the same error message. I tried multiple ways to sign in and it always tried to reset my password. The last time today, it asked for my social security number and last name and date of birth. I typed that information in correctly and it again wanted to reset my password and it had the correct email address to reset my password ( so it did recognize my account ) and when I tried to reset the password, it tried to send the reset to my email and I got the same error message. 

So I called their toll-free number and got some XXXX. I asked her if she was in the United States and she said, " No. '' I'm not giving my identity information to someone over an insecure phone line. 

I want my free credit report. Throughout, TransUnion wanted to sell me an account to replace my free account. Why would I pay for their XXXX? I've had this problem in years past. They're no better at it now. I'm not going to be extorted to buy an account from them. The law requires them to give me a FREE credit report annually. I want it and I want account to my FREE account to make sure that XXXX who answered my telephone call isn't stealing my identity - or any other person.
Product: Debt collection

I have been getting harassed by this company about a debt i have no knowledge on who they are i have sent letters to the bureaus and received no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Payment History XXXX XXXX XXXX Dear Sir or Madam, I am writing to dispute an inaccuracy on my credit report regarding my account with XXXX XXXX. Below are the relevant account details : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the payment history on my credit report, there are inaccuracies that need to be corrected. The information should reflect that my payment history is accurate and up to date. Specifically, I am requesting that the payment history for this account across XXXX, XXXX, and Equifax be reviewed and corrected to reflect timely payments as shown in the account records. 

Thank you for your prompt attention to this matter. Should you need additional information or documentation, please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony the issuer of multiple store branded credit cards that I currently carry including JCPenny, Verizon, Sams Club and Lowes has implemented a new statement fee of {$1.00} per month to receive a paper statement on the mail. I find this inappropriate and not right for the consumer. Many people depend on statements to make their credit card payment on time, and through the mail. Now when they use the card they will automatically be charged the statement fee if they wish to receive a monthly statement by mail, unless they enroll in electronic statements. This takes advantage of consumers who would like to use their credit card, but may not use the internet, or pay their bills electronically. Any such fee should be illegal, and consumers should have a right to receive a paper credit card statement by mail free of charge.
Product: Checking or savings account

XX/XX/year>, someone tried to open a bank account in my name with US Bank.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I mailed dispute letters to the three major credit bureaus because some things are not accurate. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy. These accounts are not complete and accurate. Also XXXX sent me a stall letter saying they weren't able to identify my identity when I put everything I needed on my dispute letter. 

It's been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and expect as provided in subsection ( g ). the company must conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

They also violated 15 USC 1681i ( 5 ) and 15 USC 1681s-2.
Product: Debt collection

Hello, I bought auto insurance for my car from XXXX XXXX XXXX, and I paid {$200.00}, then I made a cancelation on the same day, then they refund my money to my bank account. And that is it. And then they called me to pay {$200.00} again.
Product: Mortgage

Called my mortgage company XX/XX/XXXX as I received a notice they would begin charging me hazard insurance, despite me having proof of insurance. At this time, it was confirmed on the call I was being charged hazard insurance my XXXX, despite having proof of insurance all years. 
- I had to re-upload proof of insurance at that time to confirm all years. And was confirmed on the call the total over the years was {$6800.00}, and I would be receiving a reimbursement check to compensate. 

I never received a check, called several times through summer to confirm and was told it would be processed shortly. 

XX/XX/XXXX I called again outlining I never received a check, so they took my bank account information for direct deposit. I was told due to XXXX holiday there XXXX be a process delay and I should expect the deposit XXXX following the holiday. 

I received no direct deposit, called again XX/XX/XXXX, on a call spanning XXXX hour, XXXX minutes and XXXX departments, confirming I would receive a direct deposit ( this time confirmed in the total of {$7100.00} ), The deposit would be processed for XX/XX/XXXX, due to the holiday I should receive this XX/XX/XXXX. I did not receive any deposit. 

I called XX/XX/XXXX confirming I did not receive payment. They identified a check was issued on XX/XX/XXXX ( which I did not request and was not discussed/confirmed on XX/XX/XXXX call ) for the total of {$2800.00}. 
- On this call they told me a check was issued for a smaller amount, and there was a ticket under review for the total amount of {$6800.00} from the original XX/XX/XXXX call, which was already confirmed I would be receiving several times. 

Across 9 months, several phone call attempts, and hours working with them I have still received no reimbursement payment for the money they incorrectly charged me. They also will not send any email/written confirmation of the reimbursement when I speak with them, even if they confirm they will send.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 REPORTING 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: Checking or savings account

There were fraudulent charges on my account for something called XXXX XXXX It was totalig XXXX. The company texted mw and asked if it was me and i texted no They texted back and said i wouldnt be charged and was charged anyways. Once i contactes ticket driver and chime no one dod nothing to help me.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

My employer is having troubles with my background check, so i went looking online for an XXXX, then a malware took me to this site that i can check my credit report for free. so i can verify if my information are really wrong before calling or going to a government offices. while browsing to this site, giving my info even my bank details and ssn. an email from my bank. a transaction was made {$20.00} from that site. and i havent get any info about my credit. i did not know what did i purchased. when im about to cancel my subscription it has no options. i called the hotline they ask me again bout my personal infos. then they will cancel it for the next 2 days. but im worried about my infos. and i read alot in forums that they continue to charge on their account even they cancel their subscription. this happened just now XX/XX/2018 at XXXX the site is TransUnion. another site is XXXX. .. all of them are same scammers! i erased my browsers data trying to erase my info with them but its too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2020 XXXX came to my home to perform a {$99.00} air duct cleaning of my mobile home. While at the house, the technicians told me my home was in danger and I could get sick because of build up and mold in the duct system and that I needed a full fogging of my home. They also told me the unit needed to be cleaned to prevent any future problems and a special UV light should be installed to warn me against possible build up and problems in the future. I'm XXXX and panicked. I trusted the technicians because of the name XXXX. They had me sit outside of the house on my porch and proceeded. At the end, they gave me a bill for {$1700.00}. I am on a fixed income and don't have that kind of cash so I put it on my credit card. 
Once they left my air conditioner never worked well. It would go on and off and on and off. At this point I called XXXX of my sons who had an air XXXX come in. He said that the last people in the unit left a piece of metal casing touching the inside power supply causing constant shorts and could have started a fire. 
I am awfully embarrassed that I was taken advantage of. I asked my son for help and he wrote to XXXX two or three times and called them many more. They have never ever responded. We called my credit card company who were very kind and upset at what happened to me. Unfortunately, they said that it was too long ago for them to chargeback and they suggested I write to you and ask your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted portfolio record to pay the balance owed, and I have been paying it back since XX/XX/XXXX every month. I do n't understand why they reported my account to collections. This is what I was avoiding in the first place, which is why I have been paying them back $ XXXX/month since XX/XX/XXXX. Now i need this account removed from my credit report as collections
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

XXXX XXXX the creditor along with all credit bureaus was contacted by me ; in regard to inaccurate reporting which has negatively been impacting me. 
CAPITAL ONE AUTO FINAN Account Number:XXXX  This auto loan was paid off by my insurance carrier due to an auto accident.
Product: Vehicle loan or lease

Capital One Auto has been harassing me the last 2 months threating to take my vehicle. This vehicle was paid off back in XX/XX/year> and Capital One released the Lien. It is against Virginia law to put a lien back on a vehicle that's paid off. I did not sign anything saying they can put a lien back on my vehicle. If the harassment doesn't stop, I will sue if they touch my vehicle I will sue. No debt is owned on this vehicle.