23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I began having difficulty making my regular loan payments around XX/XX/XXXX. I was told at the beginning of XXXX during a conversation with an XXXX representative that my Perkins loan was eligible for partial cancellation due to the fact that I am a XXXX XXXX employed in a XXXX XXXX XXXX. I was advised during that conversation that any payments I had already made would not be able to be returned once the loan was cancelled for my completed years of XXXX XXXX. I was advised during that call and in subsequent conversations with XXXX representatives to fill out a loan cancellation form for the year I have already completed ( XXXX ) and to submit an application for loan forbearance for the year I am currently XXXX in ( XXXX ). I did not receive the application via email after the first call, when I received the application after contacting XXXX again I completed all required documentation and mailed it in as instructed to do so at the beginning of XXXX. I was told that I could not fax or upload the documents as XXXX XXXX would only accept the paperwork by mail. I contacted the company again at the beginning and was told that the paperwork had yet to be processed and was not given a timeline for when I would have any answer, it was suggested that I try again in a couple of weeks. While I waiting for that paperwork to be processed I was sent a letter from XXXX stating that my account has gone into collections. I again contacted XXXX and was told that the loan cancellation/forbearance paperwork had not been received and directed to contact the collections agency that was now handling my account. I find this to be absolutely egregious and deceptive behavior on XXXX 's part and I would like the appropriate action to be taken against this company.
Product: Checking or savings account

XX/XX/XXXX I had made a purchase for insurance to XXXX for insurance I found that XXXX was to expensive so I went with another insurance company, I only had insurance with XXXX for not even one day I ask for my money back I did not get it I was having a problem with XXXX I filed a claim with Wells Fargo to get my money back, this is where everything went bad I got a provisional credit Wells Fargo only credited my account one time but yet took out several times I called about this problem one of there reps in a department put the money on my account when I did n't even know she did this and messed my account up so I called they got a case manager to investigate it and three days later she called me at XXXX at night and gave me a resolution to get this done, now I 'm being charged it again and this is looking like fraud and I 'm giving Wells Fargo a chance I had to file a police report in the past on fraud and identity theft, they opened a checking and savings account in my name I did get to settle on the two accounts being opened but not them making an attempt to open accredit card back in XX/XX/XXXX I want this straightened out all of it, I 'm tired of calling I have been trying to resolve this for a week and I did send a mediation form to get the credit issue handled the first rep did not resolve that issue, this has made me very frustrated, if not straightened out I will seek counsel, I do not want to keep dealing with this I 'm now filing this complaint because I spent four hours on the phone with Wells Fargo it 's like do n't care, they still owe for trying to open a credit card in my name this has gone to far please resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian ( XX/XX/2019 ) to lift the credit freeze I had placed on my credit. Since I did not have the PIN Experian provided 15 months ago, I answered all the questions needed for them to send me the PIN. I received the PIN in the US mail ( XX/XX/2019 ), and attempted to temporarily lift the credit freeze, by phone and by experian.com website. I followed the steps required accurately and was asked to use the PIN they sent me in the mail. 

I still could not lift the credit freeze. In the mean time, I am unable to get a pre-approval letter from my mortgage company, because they can not run a credit report. This is causing serious difficulty for our family, and I believe this is unacceptable. 

As a side note, I was able to lift the credit freeze on XXXX  and XXXX  with NO problems. The problem is just Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for XXXX XXXX  Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against XXXX XXXX because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against Equifax because Equifax is reporting 2 " Equifax Mortgage Services ''  inquiries in XX/XX/XXXX without my permission! Equifax won't provide me with any information regarding these inquiries and I would like to report them.
Product: Mortgage

Selene Finance refuses to take action on our debt affirmation from 2015 bankruptcy. They are placing fees for driving by the house to ensure that we are there and doing the best to keep us from refinancing which we are in a position to now do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.
Product: Vehicle loan or lease

Hello. I was scammed when buying a car for work. They lied to me about the price and forged my signature on the credit application with false information. I found a XXXX-speaking broker since I don't speak XXXX. He contacted the dealer and the lender. They all put false information on the application, forged my signature, sold me a car for XXXX XXXX more than the advertised price, the loan was issued on enslaving terms at 18 %, they took XXXX XXXX  in cash for issuing the loan. I have a pregnant  wife and two XXXX children. This was all our savings. This was all we had. The car was supposed to be our breadwinner if the advertised terms were met. Instead, it became a huge burden that can not be paid off. Also, the dealer did not provide me with a test drive. They sold a rusty car from the previous year for much more than the estimated value. I asked for a waiver of this car on the day of purchase, but was refused. I have all the evidence, all the negotiations and correspondence, but I do not have a lawyer who could help me. One lawyer initially said he would help me, but during the negotiations something went wrong, he sided with the defendants and said he would not work with me anymore. Thank you!
Product: Consumer Loan

When I ended my car lease, the car was inspected. It has been determined by Ally that there was excess wear. The charge was for {$180.00} plus {$12.00} sales/use Tax on Maximum Early Excess Mileage and Wear Charge Total of {$190.00}. ( we did not use all of our miles ). First of all, I believe that it is illegal in Indiana to charge sales tax on labor. Secondly, I have disputed the issue of multiple scratches and the bumper cover excess charges. I believe that this is retailitory measure action taken by Ally against the dealer because they have changed financial institutions for their leasing agreements. In addition, I believe that Ally my be attempting to take advantage of unknowlegeable senior citizens. As of XX/XX/2017, I am paying this disputed charge under duress, I do not want them to be able to endanger my credit score, and I hope that this complaint will provide financial reimbusment.
Product: Mortgage

On Saturday, XXXX XXXX, 2015, I received an " Annual Escrow Account Disclosure Statement '' from Ocwen Loan Servicing , LLC for my primary mortgage that they service. The analysis stated that I could pay {$1000.00} to cover the balance that would be needed in the account. I promptly put a check in the mail on Monday, XXXX XXXX, 2015 for said amount. Several days pass, and I inquire every other day until finally on Friday, XXXX XXXX, 2015. After speaking with " escalation specialists '' on different occasions, and since Ocwen could not find the check, I put a stop payment on the check and provided payment over the phone. However, this payment was not applied to ESCROW, but to my principal. I called back the following week, several times to get it resolved, and the money was moved to a " Suspense Account '' and NOT to ESCROW. Enough was enough, I contacted an Ocwen XXXX and started the ESCROW closing procedure. There was a balance of {$1600.00} in this account at the time of the request, which was made the week of XXXX XXXX, 2015 via fax, ombudsman and USPS to cover all bases. The ESCROW account was closed before my next payment due on XXXX XXXX, 2015, and to their credit, Ocwen adjusted the amount of my payment drafted to only be P & I. However, Ocwen still had a total of {$2600.00} of my money at this time. Numerous phone calls again ensued. The week of XXXX XXXX, 2015, I finally receive a check for {$1000.00}, but I was still owed the ESCROW balance. The following week of XXXX XXXX, 2015, I received the ESCROW balance plus another {$1000.00} -- they overpaid me! After working and waiting for 2 weeks with an ombudsman, there is still no resolution. An inquiry into my account revealed that I finally have a negative {$1000.00} balance on my closed ESCROW account, and have not cashed the {$2600.00} check, but plan to on Monday, XXXX XXXX, 2015. I called Ocwen again today, Sunday, XXXX XXXX, 2015 and was told they have marked my account negative because " XXXX payments in the payments in the past 12 month period have been denied by the customers financial institution '' -- apparently, they finally received the check on which I stopped payment, and instead of looking at the notes on the account, they decided to keep trying to deposit it. I 'm not certain if this will negatively affect my credit or not. While this was going on, I have actively been looking to refinance with XXXX XXXX XXXX and hope to close the week of XXXX XXXX, 2015. With this pending action, my bigger concern is that there will be an over or under payment of the mortgage from the XXXX refinance combined with the money I owe them for the ESCROW they overpaid me, and this will take another XXXX 3 months to settle. I 'm also concerned with how they report my account to the credit bureaus once I pay off the loan. Simple processing and mathematics is lost on this company, and the Ombudsman have no way to contact the ESCROW department except via email.
Product: Credit card

On XX/XX/XXXX, my checking account was hacked. At the time, I did not know because Wells Fargo did not send a text nor call me to let me know that there was some unusual activity going on with my account. Before they were done, the hackers had moved {$36000.00} from my other accounts ( Wells Fargo Visa card, Line of Credit, and Savings ) all into my checking account. Before they moved the money, the hackers hijacked my computer with some sort of virus. I also think they had access to my cell phone #. Because when I called " XXXX XXXX XXXX' for help. I did not know I was talking to the hackers. Unfortunately, they convinced me that the {$10000.00} that was showing up in my checking account was not mine and belonged to another persons " XXXX '' account and that it was a crime to keep the money and the only way to get out of this was to return the money to that person 's XXXX account. So, still thinking I am talking with XXXX XXXX the person convinced me to withdraw the {$10000.00} from my bank and wire it back to them so they could return it to the rightful owner. I fell for the scam. I finally realized I was being scammed when I later saw another {$15000.00} in my checking account ( I am still on the phone with the hackers ). The hackers then asked me to send them that {$15000.00} that had just showed up in my checking account. I still did not realize that the money was in fact from my other accounts but I knew it was a scam when they asked me to go to a different branch and withdraw the {$15000.00}. I refused. The person became angry and stated they were going to turn me in to the police. After calling Wells Fargo, they froze my accounts and issued new account # 's and started their investigation. At the end of their investigation, they stated they had returned {$26000.00} of the disputed {$36000.00} to my accounts. The remaining {$10000.00} they could not return because I authorized the transaction. They also returned {$300.00} in fees and interest the hackers created. They have not returned an additional {$510.00} in fees and interest. When I ask why, I did not get an answer that made sense. One customer service rep says it would be returned with a couple of days. Another says it will take up to 3 months. On XX/XX/XXXX I checked my Wells Fargo Visa Credit card ( they placed the {$10000.00} I mistakenly gave to the hackers in this account ) and I saw that they had made an adjustment and gave me a credit for the entire {$10000.00}. Of course, I was a happy person. Unfortunately, the very next day they made another adjustment and said I again owed {$10000.00}. Which in my mind was a cruel gesture on their part. When I asked why this happened they would neither answer my question nor let me speak with anyone who was actually connected with me claim. I understand not wanting to credit me the entire {$10000.00}. However, I believe that Wells Fargo could have done some things on their end to help me the consumer ( again text or a phone call call about unusual activity ) and give me credit for part of the {$10000.00}. I also believe it should not be that difficult to quickly return to me the {$510.00} of fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan. My info was sent to a lender who pulled my credit. They then pulled credit from a company called SageStream and my score was 200 points lower. I see many complaints online regarding this company.
Product: Debt collection

I have Fraud Alert on all 3 credit bureau. On XXXX XXXX  2019 I received an emil that 2 collection accounts were added by XXXX XXXX XXXX ( XXXX  ).

I contacted XXXX   several time, they have very rude agents. I have attempted to to clear this up and get removed from my credit report but they keep telling me that they do not have any accounts under my name or SSN. Please see attached credit report showing 2 collections from XXXX.

I then contacted the original creditor XXXX XXXX XXXX XXXX XXXX XXXX ' ( XXXX XXXX XXXX XXXX XXXX XXXX ), talk to them several times but each time they told me that they do not have any accounts in their system under my name of SSN.

I've just found out that XXXX has hundreds of similar complaints The XXXX has given XXXX a rating of F. They have damaged my credit, caused me severe headache and emotional distress. I will take them to Small Claims Court for damages.
Product: Credit card or prepaid card

Between the week of my XXXX and XX/XX/XXXX I noticed my bank of America account was compromised. I lost my phone in a XXXX this same week and it took me a few days to get into my XXXX account Android banking etc. When I finally got into my accounts I seen that {$6800.00} was took from my account. I've been goin through the claim process for months and they keep dening me. I believe there is some XXXX motivation, I've endured some pain and suffering, bills are due and the holidays left me miserable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be removed. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit card

USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015.
Product: Credit reporting or other personal consumer reports

UPON ME PULLING MY CREDIT REPORTI NOTICED ACCOUNT AND HARD INQUIRIES THAT WERE NOT MINES
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experians complies with federal law and provides consumers with the necessary proof of investigation. these are the accounts I found inaccurate - FETTI 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX and noticed a hard inquiry by : SYNCB XXXX, FL XXXX XXXX XXXX XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? XXXX XXXX says to contact the creditor and the creditor says to contact XXXX XXXX and XXXX, its a big circle and no avail. I want this removed from my report. Thanks
Product: Credit reporting

Equifax , XXXX and XXXX continue to list and update XXXX XXXX XXXX on my credit file. I have contacted this company several times over several months time frame. This company has failed to respond to any of my disputes. Instead, they have failed to provide me with a debt verification, they have failed to provide me with a right to dispute notice. They have failed to list accurate information on my credit report. I contacted them certified mail in XXXX 2015 at the address listed on my credit file and my certified mail was returned back to me as an unknown address from the post office. Yet, all of the credit bureaus keep updating the account information for this company that I have never done business with. By law, XXXX XXXX XXXX can no longer remain on my credit and I want your agency to make sure that this account is not resold to another agency since this company is too busy to list their correct mailing address on my credit when they update their account, as well as too busy to respond to my disputes.
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 # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX # XXXX Account XXXX XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX has violated my rights.

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 card or prepaid card

I stopped at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2019 at XXXX and used my prepaid visa from card.com and pumped {$13.00} in gas. My card was charged {$76.00}. Which was all but {$5.00} from what was on my card. My lights get cut off at XXXX that in 45 min because of this and will cost {$350.00} to have cut back on. Money I do not have due to trying to get on my feet from an abusive marriage I'm finally out of. I called card.com while still at the store. The store said it was the card company and the card company said its the store. I explained to them my situation and they acted as if they did not care for the store and card.com nowhere under the agreement that I agreed to with card.com did it say anything whatsoever about them holding {$76.00} when I would use my card at a pump and nowhere on the pump or at that store did it say anything I requested to speak with a supervisor they told me someone would call me back I waited and waited called again same thing only this time they said I had already had a request tomoney.k with a supervisor they would not try to get another one put in my money would be back in three days waited again still no call so I called again this time they said it would take 7 days all I want is my money back because now it's costing me {$350.00} that I'm now think they should be responsible for they would not help me. They did not try the added like they just did not care and know where did it say anything about holding that much money. I emailed a copy of the receipt showing I only spent {$13.00} yet they said that would not work it wasn't good enough. The only reason I signed up for the card was because my friend asked me to because once you do it and get so much money on there you both get {$30.00} neither of us have received it but they said that I have done everything that they required in order to get it get neither of us have gotten which that was the only reason I even signed up for the card. If it wasn't for that I never would have got it. I believe we were scammed just so we would get it.