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

Called XXXX credit card ( Comenity ) on XX/XX/2020 @ XXXX and sent email via profile on XX/XX/2020 asking for late fee to be waived. Due to my payroll was delayed since I was sent home from work due to an employee coming into the office who had XXXX. The employee did not quarantine himself for 14 days as instructed. So everyone was sent home immediately. Therefore my timecard was not submitted for payroll. So I had to wait until my manager spoke with payroll so I am just now getting paid a month later since she missed the cut off time. I just got approval from my employer to get up computers to work from home. So I asked the late fee to be waived since this was out of my control. I spoke with a customer service rep and I spoke with a supervisor by the name of XXXX who explained it was nothing that can be done. For someone who still made a payment once I got paid to make sure they received payment. He was not sympathetic to my situation. This is unacceptable with everything going on in the world.
Product: Vehicle loan or lease

I am a federally protected consumer and I have requested validation of the debt owed to Carvana for my XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX and it was received and signed for but I have not received a response. Additionally, upon receiving the vehicle I noticed an error in my name on the registration and was told by Carvana staff that there is no way for them to fix this error. This is liable to cause harm to me and my family if pulled over, which is unacceptable.
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 XXXX Account Name : XXXX XXXX XXXX Account Name : US BKPT CT XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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: Student loan

Following a previous CFPB complaint that I filed which disputed the amount of qualifying payments I had made toward PSLF forgiveness, XXXX XXXX, on XX/XX/XXXX sent me a letter with the corrected number of qualifying payments I had made toward PSLF forgiveness. 

The amount of qualifying payments I made was 59, through XX/XX/XXXX. I have made timely, qualifying, monthly payments toward my student loans every month following. 

On XX/XX/XXXX, I filed another annual employment certification to ensure XXXX XXXX   was accurately tracking my qualifying payments. In the letter, I advised that I had made 14 payments between XX/XX/XXXX and XX/XX/XXXX. When adding these 14 payments to the previously certified 59 payments, the total equates to 73 total payments. I requested XXXX  XXXX  notify me if this information was inaccurate. 

On XX/XX/XXXX, XXXX sent me a PSLF payment tracker advising that I had made 67 payments toward my subsidized student loans and 68 payments toward my unsubsidized student loans ( rather than the correct 73 number for both ). 

On XX/XX/XXXX, I contacted XXXX XXXX  to explain the entire aforementioned situation to them. I was told that there was an error, as they had changed to a new software system. She advised that she would put in a recount request. 

On XX/XX/XXXX, I had not received any update from XXXX XXXX, so I then contacted them to get a status. The representative advised me that the status was still pending, over six months later. 

At this point, after already filing one CFPB complaint regarding XXXX  XXXX  's inability to properly calculate my qualifying payments, I feel helplessly frustrated that CFPB does not follow its own admissions and conclusions regarding the correct number of qualifying payments that I have made. Additionally, a request to recount payments that is still pending over six months after being initiated is beyond egregious. In a converse hypothetical situation, how responsive would XXXX   XXXX be if I had failed to make any payments for six months?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had eleven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Money transfer, virtual currency, or money service

I have a Bank of America checking acc for 20 years. I also have an HSA AC with them. I made my annual transfer from checking to HSA. They are holding the funds for 10 days?.? This is SIMPLY outrageous. They took the funds from my checking and are holding them earning interest while I have bills to pay. There is no further verification needed as they know who I am and they HAVE THE MONEY as its out if my checking acc the day I transferred.

This is abusive behavior. It should be same or next day. 
This happens every year. Its unacceptable.
Product: Credit reporting or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : XXXX XXXX  XXXX ACCOUNT XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comes now consumer, Notifying CFPB, TransUnion and Credit Bureaus of continuing to furnish inaccurate, outdated and unverified negative information without verified proof ; In accordance with the Fair Credit Reporting act and Texas Bill of Rights. The List of accounts attached in notice and below has and continuously violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
TransUnion XXXX # XXXX : XXXX # XXXX, is violating my rights. ( XXXX XXXX  Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, is violating 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.

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.

I have attempted writing Transunion and calling numerous times and did not get to speak to anyone due to long waiting times and just bad customer service this issue is not being address. Please note, credit bureau XXXX did correct their records and removed the above erroneous inaccurate information. Thank you for your attention on this matter.
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 confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX XXXX XX/XX/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 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 card or prepaid card

I am a victim of debit card fraud. 1 suspect has been arrested. They stole {$6000.00} from me. The suspects were caught on video at every location using my card. Way 2 Go card company issued by Georgia Department of labor will not refund my money. The Police Department has arrested one suspect. The Police Department wanted the card company to contact them, but they won't. They have stopped answering my calls. How do I get my money back? Please help!!
Product: Debt collection

I was unaware of the debt and I offered settlement as they never notified me of my right to dispute the debt in writing. When I became aware that I could dispute the debt, in which I was just offering settlement to make this go away as the person  at Capstone Credit Services,   XXXX   XXXX  was very degrading, I did just that. I sent them a request to dispute the debt via email on  XXXX   XXXX ,  2017 , and followed up with them as of  XXXX   XXXX ,    2017  to advise them they had failed to send validation to the debt however they continue to report this to my credit report. They are in essence violating the law in the fact that they are reporting an unvalidated/unverified account. I have contacted their office as recent as today and spoke with a  XXXX   XXXX  who advised me to leave her alone and find someone else to both er. ( How unprofessional! )
Product: Credit reporting

someone used my name for 10 inquiries with out my permission at Equifax credit burea sent Equifax a letter with picture ID disputing it. All auto dealers think it was a relative because they knew my ss number.Equifaxdid not investigate
Product: Mortgage

When I was XXXX at the direction of my XXXX mother I signed my parents mortgage application. The mortgage itself never had my name on it ( on the monthly statements ) and never reported on my credit score or personal income taxes. In XXXX my father was diagnosed with XXXX making him unemployable. My parents fell behind on their mortgage payments. Fast forward XX/XX/XXXX the bank using the initial loan application files a lawsuit against me. Now the mortgage that has not appeared in my credit score shows up and shows over 6 months overdue. My parents are about to now go into foreclosure and I am afraid it keeps getting me dragged into this financial liability I never shouldve been involved in. I never even had title on the house giving me no legal right to even remedy the situation. My parents are about to become homeless as I am the only surviving child that earns any income. Please help me fight this. This is a prime example of predatory lending. As someone who works in banking today, I can tell you with confidence this is not allowed today as predatory lending laws now prevent this but doesnt work retroactively even thou the loan started in XXXX. While my family struggle to potentially fall into severe financial crisis, banks are allowed to continue to practice remedies afforded to them. How this is not a financial crime?
Product: Debt collection

I been receiving phone calls of harassment, abusive and obscene language and threats of XXXX  and XXXX  repeatedly from Diversified ADJ Service Call Center Debt Collection Representatives for a debt collection account thats fraudulent, not my account and is the result of identity theft. The following account is fraudulent, not my account and is the result of identity theft : Diversified ADJ Service, XXXX XXXX, XX/XX/2020, {$2400.00}. I am in fear of my life right from the constant threats of XXXX  and XXXX  I been receiving from representatives from Diversified ADJ Service. Diversified ADJ Service is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports
Product: Checking or savings account

I was recently in XXXX, XXXX travelling and I let Wells Fargo know of this ahead of time. My second night in XXXX I went for dinner and drinks and when I checked my account the next morning, roughly {$1400.00} was taken from my account through fraudulent activitiy. 

I immediately called Wells Fargo ( My bank ) and clearly indicated that I did not make this transaction and that it was fraud. I told Wells Fargo that the only feasbile way I could think of this happening was when I handed my card to someone for a small transaction. Apart from that it could have been a scanner on a fake ATM or something. 

The agent at Wells Fargo recorded my claim as a " transaction dispute '' since I was given a credit receipt. After looking into the claim, Wells Fargo issued a " credit card reversal '' and took the money back because my account did not reflect any charge whatsoever. I do not know how they managed to steal my money but, they somehow did and Wells Fargo is now refusing to reimburse me. 

I indicated to Wells Fargo that this is not a clear cut case of no receipt no reimbursement, rather they need to look into it, they can not just refuse to refund me. The evidence I mentioned to them multiple times : The fraudulent charges are {$600.00}, {$530.00}, and {$260.00}. Way outside my normal spending habits and way more than anyone needs to pay in XXXX given the exchange rate. 
My friend was also a victim and he contacted his bank ( XXXX ) as well. His bank refunded him the fraudulent charges and closed the claim. His claim, exactly the same situation as mine, can be used as support for my claim. 

Finally, added to this is my own financial problems which after Wells Fargo issued the reversal, my account dropped into the negative and I was hit with multiple overdraft fees. 

I can not believe that a bank is able to refuse to reimburse me on a clear cut case of fraud. I understand that they have their own processes involved but Wells Fargo has refused to look into it and has permanently closed my claim. 

Please let me know if there is something I can do to recover my money. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights World Finance XXXX has stated in a documented letter of their inaccuracies
Product: Checking or savings account

SunTrust Bank has still not sent out 1099 forms. The legal deadline has passed. Same problem as last year : we waited and waited for the very late document before we could file our Federal/state income tax. Our accountant says that other SunTrust customers have had the same problem. When I talked to the bank they offered no reason or excuse.
Product: Student loan

Subject : Formal Complaint Regarding Delay and Mismanagement of Student Loan Refund Issuance To Whom It May Concern, I am writing to formally address ongoing issues regarding a delayed refund for my federal student loan, which remains unresolved after 8 weeks. This refund has yet to arrive despite multiple inquiries and assurances that it would be processed in a timely manner. 

I initially contacted Aidvantage in the beginning of XX/XX/year> with concerns that the refund check might be sent to an outdated address. During this call, I discussed the potential need for a stop payment on the check to prevent further complications. However, the agent advised me to wait the full 6-8 weeks for the check to arrive, rather than proceeding with a stop payment at that time as he indicated they had my correct address. 

On XX/XX/year>, I again contacted Aidvantage and spoke with a representative named XXXX. During our conversation, I was informed that a stop payment had, in fact, been issued on XX/XX/year>, without my knowledge or authorization, and I was not given any explanation for why this action was taken. XXXX also stated that a request to reissue the refund check was processed on XX/XX/year> and further stated it could take up to 14 months to recieve. Unacceptable. You either secure my refund within 60 days to avoid an FTC complaint.
Product: Mortgage

My mortgage company, Nations Direct, turned my loan over to XXXX XXXX XXXX company on XX/XX/year>. I have contacted XXXX mortgage weekly for 3 months asking to make payments and they keep telling me that they are still processing the loan and it is with the underwriters and I need to wait until the process is complete. They are charging me {$30.00} a month for a home inspection fee to make sure I'm still living in my home. Today I just found out that Nations Direct reported that I am over 60 days late with my mortgage and my credit score went down XXXXXXXX XXXX. I am devastated that I have been so negatively affected by both these companies, through no fault of my own, and no one is resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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

All three credit bureaus : Experian, XXXX and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records incidate my revolving credit has been established 14yr, 10 months. This was NOT reflected on my credit bureaus until I disputed a negative rating from XXXX, which was removed. Nearly immediately this Negative factor arose and no one will or can explain.
Product: Debt collection

XXXX Received a letter from XXXX XXXX XXXX XXXX XXXX indicating that I had an unpaid balance of {$990.00}. On the same day I received a letter from Virtuoso Sourcing Group, apparently a debt collection agency stating that I owed {$990.00} To XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX I called the XXXX XXXX. I spoke to a representative and told them that the bill was not mine. The person I spoke to said that they couldnt give me any information about the bill unless I confirmed my address and last 4 of my social. I didnt feel comfortable giving either information out to the representative but I did give the last 4 of my social. All he could tell me was that work had been done at that address, XXXX, but would not disclose any other information. He gave me the address of the work. I asked if there was anyway to send a bill to that address and not to my address. The man said that I would need to contact the XXXX Police Dept to file a police report. 

Then I called Virtuoso sourcing group. The lady asked for me to confirm the address where the bill was sent. I explained that I never lived in XXXX or Indiana for that matter. She also said to file a police report with the XXXX police dept. She said they would start a file on their end, but I should still contact law enforcement. 

I Called XXXX Police Dept. They told me they couldnt do anything that I had to go through a local police agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXX/XX/XXXXXXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year>
Product: Debt collection

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Product: Credit card or prepaid card

My Care credit account was closed in XXXX, I have been back and forth with them as to why. It was not for inactivity nor missed payments but instead for submitting too many payments.
Product: Credit reporting or other personal consumer reports

I visited a XXXX store on XX/XX/2023 and received a receipt validating all equipment has been returned and there is no outstanding debt.
Product: Student loan

Currently I continue to received threatening and harassing letters from the company Trellis, who currently has my student loans. They had agreed to take out money out of my wages to remove any negative credit reporting and bring my account to good standings. Not only did I have wages garnishment, but they also didnt bring my account to good standing as promised. They also have not been willing to work with me in the process until recent. They continue to send letters even though the Cares act was implemented into Law to prevent creditors such as these from any type of wage garnishment and payments until XX/XX/2021.