23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The Agent told me that I have a balance of around {$78.00} on the card. I was surprised about the balance, because I cleared all the balance long time ago and I havent made any purchases on the card in 2020. I strongly believe that Im not responsible for any of these transactions : 1. Without my authorization, it charged membership fee on the credit card for {$19.00} on XX/XX/2020 2. I was not aware of the membership fees, late fees, interests until today. I was in XXXX and theres no access to XXXX between XXXX and XXXX I called them twice this morning and asked for refund, but they told me they would only refund me a late fee of {$35.00} only if I agree to pay the remaining. I thought its super unfair and disagreed. Below is a screenshot of the fees charged without my awareness and authorization : Date XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$35.00} XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$19.00} XX/XX/2020 XXXX Purchase {$19.00} Total {$78.00} So, it is so unfair to me that Im named to pay for those unaware and unauthorized transactions, including the membership fees, late fees, and interests. I have been maintaining a very good credit score for years, and I always pay loans, credit card bills on-time. I hope you could help me resolve this issue fairly. 
Thanks
Product: Mortgage

This complaint is in addition to CFPB case XXXX, an open case. 

As stated this occurred in 2007 as a refinance through Wachovia Bank that was bought out by Wells Fargo as Wachovia had financial trouble. Wells Fargo continues to state I did not disclose the XXXX XXXX XXXX XXXXXXXX HELOC and that I signed an application that did not have the HELOC listed. The Wachovia agent said it wasn't listed because there was no balance and only accounts that had balances can be listed on the written application and the Wachovia agent was notified that this account was a HELOC. It is up to the underwriters of banks to establish or catch mistakes made by their agents, not the customer as customer pays a credit report fee ( {$340.00} if I recall ) to establish the current accounts where this HELOC would have been listed and was in addition to the disclosure made and while it had a XXXX balance, Wachovia never entered it on the written application that I signed and was their explanation why it wasn't there. 

What is evident and by evidence of other bankers was Wachovia,  being in financial trouble, gave notice to their employees to close as many of these mortgage refinances as they could get in 2007, much like Well 's Fargo directives to employees to create fake accounts that caused major mistakes in the banking industry and now Wells Fargo who purchased Wachovia Bank doesn't want to take responsibility for their mistake and incompetence in loan origination and underwriting responsibility ... which is their responsibility, not the consumer. 

These complaints were filed through the Office of the Comptroller of the Currency, a NA bank regulator and not the CFPB which is interesting why this ended up here as the actions taken by Wells Fargo is in fact a criminal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute, and they did nothing but gave me an excuse because they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX, and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX ( XX/XX/20 ). Please help me get my credit report to show the correct information and delete these things. Experian keeps sending me excuses not to look at my credit report and delete this stuff from my report. I submitted a request letting them know that they have the wrong address on my report, again they did nothing then say they can't verify me even thought I currently have credit monitoring service with them with my correct address of XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX again please remove this address that I never lived at XXXX XXXX  XXXX XXXX, PA XXXX. Please delete this it is very important to me that my credit report has the correct information on it only!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Lendmark made an inquiry on my credit score report. I had no knowledge of it. I did not give any consent to do so. 
They offered refinance but said no credit check will happen. I was tricked by the agent. This is fraud.
Product: Credit reporting or other personal consumer reports

I have a XXXX  account and other information that does not belong to me. I have housing information that I have never owned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

ECSI response has been useless. Through this complaint, I request ECSI explain the dispute process for my loan. Exactly explain how I could dispute your false loans without valid MPN? Explain how I can consolidate them to make them federal. Give clear answer or expect a large lawsuit that shuts down all ECSI for all students forever. You can expect both ECSI ( federal + private ) shut down forever. This is last warning for ECSI to give clear answers other than blaming the university.
Product: Credit reporting or other personal consumer reports

After much due diligence and consideration, Im filing a last and final notice of violation of my FCRA, FDCPA, and FTC rules and statues..In the form of phone calls, disputes, and complaints. Ive made XXXX as well as EXPERIAN, more than aware of, first negligence, and then malicious intent, to both allow, as well as, further the abusive and fraudulent reporting of information on my credit report ; causing defamation to my creditworthiness, as well as injury to my personal and business ventures and life. For XXXX XXXX XXXX XXXX XXXXXXXX and EXPERIAN has both propagated false testimony and evidence of debt and credit practices. By allowing XXXX XXXX XXXX a company that from the beginning has reported a closed charged off status. For XXXX XXXX XXXX XXXX both companies allowed this closed charged off account at {$180.00}, allowed said account, to accrue a monthly balance in the form of XXXX dollars, monthly. XXXX, in the beginning, as well, allowed and propagated, this fraud. But was made aware and immediately ceisted and and desisted from fraudulent reporting. As for XXXX and EXPERIAN, they made every attempt to delay and hide their fraudulent reporting ; and allowance of abusive tactics of companies attempts at absconding from FAIR DEBT COLLECTION PRACTICES. This particular complaint has never been an issue of IDENTITY THEFT/ FRAUD ; except in the regards of said companies. Both XXXX and EXPERIAN in their attempts to delay and hide their fraudulent and unethical reporting, inserted and furthered statements of PAST DUE, IN COLLECTIONS. To XXXX, reopening said closed and charged off account, to have a current status of open and late on XXXX payments ; causing me tremendous injury. Upon calling XXXX, immediately, I was met by a XXXX, by the name of XXXX, who attempted to further EQUIFAXs fraud, until met with statues and codes of the FCRA and FDCPA ; which he attempted to pervert, until met with true stature. He admitted on recording that XXXX was infringing on my rights, while investigating a dispute, adding abusive statements and reopening said account. This has been ongoing for XXXX consecutive months with no accountability or resolution. XXXX XXXX again denied my dispute about said fraud and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

transunion is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX and found that I have Late payments reported on Transunion and XXXX for XXXX XXXX XXXX and XXXX XXXXXXXX XXXX The FCRA states that my credit reports must be accurate and up to date as I have attached a file showing the XXXX XXXX account on XXXX as never late in XXXX of XXXX and 30 days late in XXXX of XXXX for XXXX and Transunion. I also attached the document showing XXXX XXXX as Late for XXXX of XXXX on XXXX not reporting on XXXX and late for XXXX and XXXX of XXXX for Transunion. I have contacted hired a law firm XXXX XXXX out of Indiana to represent me to file a lawsuit against XXXX and Transunion for FCRA Violations for a mixed file with wrong addresses the unlawful late payments and the charge off from XXXX still reporting on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

On approximately XXXX XXXX I called XXXX XXXX bank regarding a balance showing on my credit report with two of my cards that had been paid off since XXXX XXXX. Upon speaking with a representative I was informed that the payments made on my accounts wouldn't update to my credit report until XX/XX/XXXX and XX/XX/XXXX. I explained that I had submitted a dispute through the credit bureau to update my report with current payment information and that XXXX XXXX had reported back to Equifax that the information reported was correct when it was not. The representative went on to explain that the information would update on the corresponding days above and again I insisted that they lied to the bureau by stating that the balance reported was the balance on the card when it wasn't and had been paid off. After going back and forth I asked for a supervisor. After speaking with the supervisor he apologized for the misunderstanding and explained that it was a different department that handled that and I would need to call back on Monday as this was a Saturday. So as time went on I forgot to call back as I was working 11 days straight. So on this morning XX/XX/XXXX I checked my Equifax report and once again the balance showing is incorrect. I will say that this balance is showing only on my Equifax report. So this could very well be Equifax posting incorrect information. Either way I need it fix as it is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft back in XX/XX/XXXX. Someone opened an account fraudulently in my name from the company " XXXX XXXX  '' which reported to my Equifax Credit Report. I have disputed it off of my XXXX and XXXX Credit Reports, which the account was block after the first attempt. I have been constantly disputing this account with Equifax, which it finally did fall of XX/XX/XXXX, but reappeared on my credit report in XX/XX/XXXX. Now, I have disputed this account at least over 10-15 times with Equifax, but this account keeps coming back verified by the company. Therefore, I am filing a complaint with XXXX XXXX  because they are not taking my complaint of Identity-Theft serious and I am filing a complaint with Equifax because they are violating FCRA and I feel like some actions need to take place due to me being a victim of identity theft, which resulted in a fraudulent account being opened up in my name. I have submitted a police report, an Identity-Theft Affidavit, and proof of my identification numerous of times, but this fraudulent account still remains on my Equifax Credit Report as of XX/XX/XXXX, which should not be on there. My next steps is taking Equifax to court if they keep violating FCRA ( The Fair Credit Reporting Act ).
Product: Credit card or prepaid card

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.
Product: Consumer Loan

I purchased a vehicle in XX/XX/XXXX after I left the military, it cost XXXX, I did make some late payments but made those up when paying the regular payments. Total payments have me paying interest as much as the car cost as you will note on the attachments, the car was paid at XXXX and the interest paid is XXXX, that is almost XXXX paid on a XXXX vehicle XXXX was the lien holder and while in dispute with them over additional late fees that I did n't owe they sold their financials to TD auto ; I continued to make payments to them while still attempting to correct the bad accounting from XXXX. I lost my job and my apartment after they wrote off debt of XXXX. That was in XX/XX/XXXX, never getting the bad late payments cleared up with them, my mother made XXXX payments on my behalf while I lived in my car and the balance of which included bad charges from XXXX of XXXX was at XXXX. I started working saved up {$720.00} to just pay it off and be done with it as a settlement. TD Auto not only did n't want a settlement they have now added on late fees on an account they have written off of their books of XXXX more. If they can continue after profit and lossing a debt to add late fees, it will never be able to be paid, it certainly should n't be legal to do so. They could add fees in perpetuity at this rate. It appears to me to be criminal.
Product: Student loan

I am XXXX % total and permanent disable from the department XXXX XXXX XXXX. I was told by NelNet that the VA reached out to them to discharge my student loan under the TPD. I was told that Nelnet had reached out to XXXX to informed them that I was eligible for student loan discharged under the TPD. When I reached out to XXXX I am told that they are still waiting for Nelnet to contact them. I am getting the run around with Nelnet and XXXX. This complaint is with Nelnet. Nelnet sent me a letter dated on XX/XX/year> that I was approved for student loan discharged under the TPD. It has been over XXXX days and I still can not get a complete answer about my loan. Every time I reach out to Nelnet they tell me that they had contacted XXXX and XXXX should Start the process by updating my account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate : XXXX XXXX XXXX ( Account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$240.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alledged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company sent me a letter dated for XX/XX/2018, this document was the same identical documentation they sent on XXXX and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
Product: Mortgage

This is a request for information as well as notice of error. On XX/XX/2023 RightPath Servicing responded to my complaint. In their response, on page 2 paragraph 2,3,4 and 5 RightPath Servicing quotes information found in my master insurance policy and states page 82, section A.2. states that building does NOT include any personal property within the individual units or limited common elements except as provided in Paragraph A.1.f of this endorsement. Then goes on to describe permanent attachments/fixtures to the structure such as electrical fixtures, built-in cabinets and countertops and appliances etc. as being personal property. 
ANY permanently affixed fixtures, cabinets or wall & ceiling coverings ( paint ) and floor coverings ( carpet etc ) would NEVER be considered personal property in ANY type of insurance policy. 
I am not sure where XXXX learned that what she has described as personal property is considered such but I am requesting the documents she has relied on to make such a claim. 
It appears the response letter is a mix of language found within the policy and the letter provides no nexus to the claims made that these described features/fixtures of the condominium fall under personal property and are not covered by the All-In proof of insurance I have provided. Page 82, section A.2 and Paragraph A.1.f are mentioned but not provided to show that 1. These features/fixtures of the condominium are considered personal property and 2. These fixtures are not covered by the insurance policy. 

Please respond promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have been trying to cancel my addon products related to my RV loan with US Bank since XXXX. I sent the signed cancellation forms to my RV Dealer XXXX XXXX XXXX XXXXXXXX on XX/XX/year>. Since then. I have tried to soeak with the finance manager and left over 10 messages. I have also tried to reach the GM of the dealership but have not received a response about my addon cancellation. I am attempting to cancel all addon products relating to my account.
Product: Debt collection

I closed mXXXX XXXX  account approximately XXXX of XXXX. I had a personal XXXX from XXXX sent to me in XXXX. I had to return the XXXX  in order to no be charged for it. I did return the XXXX and I have pictures of the device, the label sent to me from XXXX and proof of delivery showing XXXX XXXX address. To mobile has never acknowledged the return of this item and continued to bill me for it with interest. 

corresponded with XXXX  over this issue over a half dozen times since XX/XX/XXXX. Promises were made to call me back and to provide to me documents such as my bills from XXXX. Since I am no longer a customer of theirs I am not able to sign into my XXXX account to retrieve my past bills on my own. 

Despite the promises that the issue will be resolved by numerous XXXX customer service reps it continues to be an ongoing issue. They even promised to not send it to collections and stated that they don't do that. Indeed, they did send it to collections and it is effecting my credit score currently. 

I have never experienced such poor follow-through and conduct from any telecommunications company like I have with XXXX. I am very disappointed in their behavior after many years of utilizing their services. XXXX has cost me much time and aggravation that I will never get back or be compensated for. I am grateful that CFPB exists to address these unfair and uncalled for situations. 

The collection company the XXXX reported this information to is FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. FRONTLINE ASSET STRATEGIES has never called me regarding the debt nor sent any mail correspondence. I only discovered that XXXX reported my to them because I check my credit report. Also a very disappointing way to conduct business.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an accommodation 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

OnXX/XX/XXXX, my application for Total and Permanent XXXX discharge was approved by the U.S. Department of Education. I am a XXXX veteran with a 100 % rating from the VA with an effective date of XX/XX/XXXX. According to the letter, I received from XXXX " Your loan holder ( s ) will return any payments that were received after your XXXX date to the person who made the payments ( that would be me ). The letter further stated that the discharge of my loans and refund of payments made would be made within 120 days. 

OnXX/XX/XXXX, I received a refund check from Ameican Education Services ( AES ) in the amount of {$5300.00}. This amount is less than my payments. I called AES the beginning of XXXXXX/XX/XXXXrequesting that the total amount of all my payments be sent to me, I was told my refund request would have to be reviewed and it would take 30 days. After 30 days I called again for the status, I was told it is still in review, I contacted AES in XXXX, XXXX, XXXX, XXXX and XXXX, I was told all five times that my refund request is still in review. 

I do n't have the total amount due to me because I only have a partial listing of my payments, I asked AES to send me my payment history from XXXX to XXXX, I was informed that it will take 30 days and that my history will be mailed, that was 60 days ago, and I get the same response of it taking 30 days even though it has been 60. My payment history on AES 's website only shows XXXX to XXXX. 

OnXX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX ( XXXX ) stating all of my student loans have been XXXX. 

Please assist me in obtaining the remaining refund, because I do n't have all my payment history I can not give you a specific dollar amount but based on how much I paid every month for 15 years. Also, will you assist me in obtaining my payment history from XXXX to XXXX. 

Because of my service-connected combat injuries, I am unable to work and I desperately need the remaining refund that was promised to me. Thank you for your assistance. 

XXXX XXXX XXXX Proud to Have Served!