23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Starting in XX/XX/XXXX, I consolidated all my loans to one payment. The consolidated company I use was XXXX XXXX  they have all my student loans balance. 
In XXXX XXXX my loan was XXXX in all and transferred to XXXX. 
In XXXX XXXX XXXX XXXX assist me with the PSL program and that's when my loan transfered to XXXX. 
The end of XXXX was time to recertification for PSL, and income driven payment. 
I was late turning it in trying to use the self service portal, so I end up calling the Department of education to see if I can be approved for a payment plan until my income driven plan kicks in. That's when the representative said she can defer me and I will not have to make a payment for XXXX. She said the payment plan will kick in XXXX. She stated I can call and remove it with out it affecting the payment plan. I check my credit again in XXXX I noticed an extra XXXX on my credit report with both companies still with the account open. I call XXXX it says no account available with that name. XXXX says XXXX has to close the account with the creditor because XXXX is over the loan now and that's considered duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, American Express has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681c-2 : Block of information resulting identity theft.

15 USC 1681n : Civil liability for willful noncompliance.

15 USC 1681o : Civil liability for negligent noncompliance.
Product: Checking or savings account

On XX/XX/XXXX I set up an account on line and added XXXX XXXX XXXX, their address, account number etc to my wire contacts and wired. XXXX to them for a purchase. Because Wells Fargo will only let clients wire XXXX a day, max of XXXX a month, the next day, XX/XX/XXXX,  I wired XXXX to XXXX XXXX XXXX. My on line account was immediately frozen and I was told to call their “XXXX” number. I did. Explained my situation, confirmed my DOB, las 4 of my Social, my address, the amounts paid and to whom and the person told me she could not unlock my account and that I works have to go into my local branch. I asked to speak to a supervisor. After holding 40 minutes, a supervisor came on the line and I confirmed the exact same things the first associate asked me. She asked me what my purchase was for and ITold her it was none of her business and it’s my money in my account and to please unlock my account. She indicated to me that she would not unlock my on line account if I didn’t tell her what the money was for and I would have to go to my local branch. I then called my local branch and talked to a manager. He tried to walk me through resetting my password as I was locked out and it wouldn’t work. I went into my local bank on XXXX XXXX, CA, and a young man by the name of XXXX XXXX helped me. He was transferred a couple of times, giving my account number each time, and then eventually that he confirmed my existence by my CDL and advising I had my debit card and the lady on the other end of the phone asked to talk to me. She asked me all the verifying questions again and asked what XXXX XXXX XXXX was and what my purchase was for. I told her it was a business and my purchase is none of her business, it’s my money and to please unlock my account. She again said she would not do that unless it told her what the business was... and then led her to XXXX it and she said she would not and would not unlock my account. I then asked XXXX XXXX if he could wire the XXXX to XXXX XXXX XXXX she he said he was and he was so sorry and there is no reason I should have to explain my purchase to anyone.My husband then got involved and called a gentleman by the name of XXXX XXXX, a DM at Wells Fargo. My husband explained the situation and Mr. XXXX indicated this was not correct and for me to find out who the DM was in my area and to call him/her for a resolve. I called my local branch and found out the DM in my area (XXXX XXXX, CA) was XXXX XXXX @ (XXXX) XXXX.  I called that number and explained all of the above. The receptionist apologized for my experience, took my bane, account number and phone number and said I would get a return call...u have not received a return call. Please help meXXXX XXXX(XXXX) XXXXXXXX XXXX XXXX XXXX, CA. XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. Act Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX Name : Fair Collections Act Name : XXXX XXXX XXXX, XXXX Name XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Product: Debt collection

This company, Portfolio Recovery calls me several times a day between the hours of XXXX. They use 15 different numbers a week and it changes all the time. I have over 78 different numbers from them blocked on my phone right now. They are rude, swear at men, they harass and threaten me with jail time if I " don't give them money they are trying to collect a debt TODAY! ". When I requested they send me everything in writing they said, " XXXX XXXX XXXX XXXX ~ We do not have to do that! '' I hung up. I have stopped answering their calls. They never leave a call back number. I do not owe them any money. I have never gotten anything from them in writing, in the mail.
Product: Credit card or prepaid card

I sent the item back And XXXX never got it They want me to pay for a lost item I wont pay it
Product: Student loan

I have been dealing with XXXX XXXXXXXX since XXXX. The interest rates are outrageous. Everytime I renew my income repayment plan my bill INCREASES. I have paid OVER DOUBLE the amount of interest than what the original loan was for. If I want to put my loan in forbearance it is required that you pay {$XXXX} per loan. When you talk to representatives they do not offer other options about how to lower the rates.
Product: Checking or savings account

I have been trying to login online and there are errors logging in ( see attached ), I can not reach a human from the customer service number I have tried multiple ways through the queue. When I try to fill out the contact me form on the site, again it says there are technical issues ( see attached ). I then reach out via email and on XXXX and someone finally called me. After verifying my card number, social, address and security question I was told they cant access my account without my account number. I do not have access to any account number. They told me to go to a branch, there are no branches within the 5 states surrounding my house. 

I am just trying to figure out if there is money in this account and its open, or closed. I have statements in email from XX/XX/year> but no closure notice so I am not sure if I still have money in this account. I simply want to know if I have money in here. 

They told me I could check XXXX because if they closed it for inactivity they would have sent it to the state?!?! But they said it takes 2-3 years, and I have statements dating back a little over a year so that probably isnt the case. 

I've not ever with any bank had to provide so much information to still be told they cant access me without the account number.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account at a local branch where I then deposited a physical check from XXXX XXXX themselves with the amount being {$7900.00}. I was then told that the check would be available in 10 days. In that time frame, my account had already been closed for " fraudulent '' activity according to customer service so I was informed over the phone that as soon as the check cleared and the account was closed, I would receive the funds back. On XX/XX/XXXX, I received a paper statement from Truist saying that the check cleared, and the account was closed on XX/XX/XXXX with a close out amount of what was initially deposited. I have attached this form to this email. I called today, XX/XX/XXXX, and spoke with XXXX in the check department, when I was told that the check from XXXX  XXXX, which is a legit bank, was flagged and that I will not be receiving any of my funds and there is no way to appeal. I asked questions regarding the check and could not get any information as if he wasn't sure what he was talking about. I am hoping that you can resolve this issue and return the funds that are rightfully owed to me.
Product: Credit card

On XX/XX/XXXX I received a notification from XXXX XXXX stating that there had been a new inquiry to my credit report. When I further investigated this report I discovered that there had been a Capital One Platinum credit card that was applied for under my name. I immediately called and froze my accounts with the credit unions. The next morning I called Capital One and told them that this wasn't me and they seemed very confused. The reason for their confusion was that whoever applied for this card used my email address and phone number for the account. They said this was strange because that would mean I would get all of the notifications and verifications linked to the new card. I am also the type of person that checks their email constantly and my email was flooded with around XXXX emails from random companies that my email was subscribed to right after the card was taken out. I believe this was done to hide the email of the card information. It was still strange that I was getting verification texts. On XX/XX/XXXX ( If I remember correctly ) I got a notification from XXXX that popped up on my phone stating " Device Added to Your Account ... An XXXX XXXX now has access to XXXX. If you don't recognize this device you can remove it in settings '' This was very alarming because now this person was trying to gain access to my messages and also would have access to my photos. I mention the photos because ( and I'm very aware this is not smart and I've since deleted these types of photos ) I had photos of my credit cards in my camera roll. I obviously reported the device, but now I'm afraid this person has access to my social security number, email address, subscriptions, XXXX  account and possibly even my XXXX account. I also found notifications in my XXXX settings that I now have " Services Included with Purchase '' with 3 months free of XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I have since had everything including my investment banking frozen and my savings transferred to a separate account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXXl 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 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 XXXX, XXXX, XXXX, AND XXXX 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. 

XXXXXXXX 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: Mortgage

Wells Fargo Loan # XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWells Fargo does not have the staffing required, nor the competency, to bring a short sale to a successful close. 


We submitted closing documents to obtain HUD approval on Monday XX/XX/XXXX. On Tuesday morning at XXXX EST, the negotiator responded, requesting revisions to the HUD and additional documentations. These were sent to him ( same day ) at XXXX EST - these were ALSO sent to the additional email address of XXXXXXXXXXXX. We received an automatic response that the negotiator would be out of the office until XX/XX/XXXX. We ALSO received the following automatic response from the Liquidation Mailbox : -- -- -Original Message -- -- -From : XXXXXXXXXXXX [ XXXX : XXXXXXXXXXXX ] Sent : Tuesday, XX/XX/XXXX XXXXTo : XXXXXXXXXXXX : Auto ReplyThank you for your email. Your email has been received by the XXXX XXXX XXXX. Documents will be reviewed within 24 hours. Your Wells Fargo Closer will be contacting you with an approval or notification of required corrections. 

Our hours are XXXX to XXXX Monday to Friday eastern standard time. 

Loss Mitigation LiquidationWells Fargo Home Mortgage******Please note that in the response, Wells Fargo 's Liquidation Closing Department stated they would review the documents within 24 hours ... .. 


24 hours came and went and we placed a phone call to Wells Fargo on XX/XX/XXXX at XXXX We were told there was nothing we could do except leave a voicemail for the negotiator, which we did. We also emailed him requesting an update. 

We got nothing ... ... 

At XXXX we called again and were informed ( by an obvious newbie ) that management had been working on it ALL DAY and we would have a response soon. 

Still nothing ... .... 

At about XXXX we called again. The newbie did n't know what to do or how to handle our request to get an approval for closing. I had to tell him he needed to get a manager involved, which took about 20 minutes for him to do that. We did finally get ahold of someone in management. She was very informed and pleasant, but was not able to get ahold of anyone within Wells Fargo that could help us today. We found out through this phone call that no one in Wells Fargo had even looked at the file today -- which means XXXX of the newbies LIED to us. 

It is apparent that Wells Fargos policy is that if your negotiator is gone on vacation, nothing will be done your file. 

Wells Fargo place an auction date on this property and is refusing to allow the short sale to close, even though they have given an approval letter. Their 'word ' means nothing, even if its in writing. 


As a result, this file did not close today, nor can anyone at Wells Fargo give us any idea of when or if this will be able to close. 


Have I mentioned that this is a Federal - XXXX XXXX? 

In addition, we have already filed a CFPB complaint due to Wells Fargo 's incompetency regarding an Authorization - it took 3 months and a CFPB complaint for Wells Fargo to figure it out. I have attached a copy of that CFPB complaint to this complaint. 

This short sale was started XX/XX/XXXX ... and Oh and by the way - the seller has been DEAD this entire time ....
Product: Debt collection

Failed to disclose that their call was an attempt to collect a debt ( mini Miranda was not read ).
Product: Checking or savings account

I am expected to receive my weekly direct deposit into my capital one checking account, unfortunately Thursday evening rolled around and my account had not received my deposit. Thursday morning I contacted capital one and was told it was a technical issue and would be resolved immediately. However, it is now Friday night, and I have yet to hear or receive any form of payment. I have seen on social media this is affecting many consumers due to the fact they are not able to provide for themselves or their families during this time. I tried to contact capital one all day Friday and I was either left on hold or hung up on multiple times. I am upset because although I cant access my funds I still have bills to pay and am receiving late fees due to the insufficient balance in my account. I also can no longer access my online banking and I am not sure if it is due to this issue occurring. Capital one users deserve to be let in on knowing what is going on and if there is any update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraud my name with a XXXX  XXXX card for {$460.00} XXXX XXXX XX/XX/2017 File number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Product: Debt collection

I am responding to an inquiry on my credit report from Southwest Credit Systems about collecting a debt that is not mine, and that I do not owe. You contacted me by phone on several occasions and refused to identify yourselves and provide any information regarding the alleged debt. After further investigation on my part, I see from my credit report that the originating company is XXXX, with whom I have current service and an up to date account, with account # XXXX XXXX XXXX XXXX. This is the only account that belongs to be with XXXX. 

I have been in dispute with XXXX since transferring my service from one address to another back in XXXX 2019. I contacted XXXX 30 days prior to moving to notify them of my move so that services could be transferred. I also confirmed the total amounts due, which I paid in full. XXXX made several mistakes from that point on, prompting several more calls back to them to resolve. Then, they still failed to turn the services off at the old address, and someone else has been using the services in my name. I have filed a fraud claim and several disputes. 

This is NOT my debt and needs to be removed from my credit and any other associated accounts with my name or I will pursue legal action as this has negatively affected me. 

I do not have any responsibility for the debt you are trying to collect. 

Unless you have documentation that you can provide to me at the address above, that proves this debt belongs to me, which is impossible, as this is not my debt, this item needs to be removed immediately. 

Please also stop all other communication with me and with this address, and record that I dispute having any obligation for this debt until it is removed. Additionally, since this has been reported to the credit bureau, please update that this is disputed until it is removed. Again, this should be removed from anything associated with my name and /or address. 

Thank you for your cooperation.
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX really remember the dates but id know that the interest was so high they should be shut down
Product: Credit reporting

The collection has been paid in full. I was sent a " settlement notice '' via mail and paid it in full. On my credit report it reflects open and also with an incorrect ( the original collection amount. )
Product: Student loan

I consolidated all of my student loans in 2002, both XXXX and XXXX. I now have two very large loans and they have been in Income-based repayment for years now. My issue is that these loans were placed in deferment status for 11 years. Because of this, these years don't count toward the 25 years of payments in my repayment program. I know that loans should not be in deferment for longer than 3 years. So, I need to know if the status can be changed from deferment to another classification.
Product: Debt collection

The medical company : ~ has sent me to collections over bills that my insurance assures me I do not owe ~ refuses to reimburse me for a payment of {$120.00} on XX/XX/year> that my insurance says I didn't actually owe
Product: Debt collection

National Recovery Agency @ XXXX on Friday XX/XX/XXXX sent a series of text messages to my phone stating that I owe a debt. This is clear violation of the FDCPA where they are not allowed to call/text anyone before XXXX and XXXX to attempt to collect a debt.