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

This is a follow-up regarding my recent complaint dated XX/XX/XXXX. I am submitting a complaint today to inform you that I was a victim of erroneous reporting. I have re-attached my identity theft report, and per FCRA section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the incorrect personal information, accounts, and inquiries that have been posted to my report. Here is the list of items that were opened without my consent : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$5300.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$5500.00} XXXX XXXX Balance Owed : {$5300.00} XXXX  XXXX Balance Owed XXXX {$10000.00} XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in a consumer 's file that the consumer identifies as resulting from identity theft within 4 business days of receipt.
Product: Credit card or prepaid card

On XXXX an on-line retailer advertised the XXXX ( a golf launcher simulator weighing 2 1/2 lbs ) as being " in stock '' and offered free shipping guaranteed within 5-7 days for {$340.00}. After the expected timeframe for delivery had come and gone I attempted to inquire and was informed via email that my product was unavailable from the manufacturer yet they refused to credit my monies paid. After days of unsuccessfully trying to get a credit from the retailer, I contacted Capital One, my credit card company for assistance. The amount was disputed & temporarily credited back to my card. 2 days after the merchant received notice the amount had been disputed, the merchant sent a rubber golf ball to me via USPS ( tracking # XXXX XXXX weighing 2 ounces. They provided this tracking receipt to Capital One as " proof of delivery '' for my order. Without checking the weight of the package the merchant was credited the {$340.00} again on XXXX. 
I have since provided the attached notice from the United States postal service, as requested by Capital One, indicating the weight of the package was only 2 ounces along with pictures of the actual package & golf ball that was inside. Obviously this would prove the {$340.00} XXXX XXXX XXXX XXXX I ordered had never been received. On XX/XX/XXXX I was notified by Capital One that they have closed my file and will no longer attempt to dispute this charge because I failed to show proof I returned the ordered merchandise in which I never received. How could you return something you didnt receive? Please advise what steps I may take to force the return of my stolen monies?
Product: Student loan

I have gone to XXXX different schools, XXXX which are under investigation with the state attorney. I have applied several times including your company asking for an investigation, asking for a reduction, in some cases my school loans to be deleted due to now I still do not have certification. Nobody wants to get involved, I am still in debt, I still owe {$50000.00} to Dept of Education. I have signed an Ability to Benefit which I was asked to send in a paper from the state, if I have not worked. I think having a food stamp card is self explanatory enough. I have applied for every help in order to have my school loans reduced and nothing has happened.
Product: Checking or savings account

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$120.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Thanks, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$13.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. 

Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$13.00}. We consider this credit permanent, and we reversed any applicable fees. 

We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. 

If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime XXXX XXXX XXXX amount {$410.00} date XXXX XXXX denied with any documents for their decision XXXX amount {$240.00} date XXXX XXXX denied with out documents of their decision
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. ( XXXXXXXX XXXX XXXX XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights 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 other than records of convictions of crimes which antedates the report by more than XXXX 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I submitted documentation challenging suspicious accounts. On XX/XX/year> I followed up with more documentation. The reporting agency company never replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX XXXX # XXXX I was in a collision very shortly after leasing the XXXX XXXX, which was ruled a total loss. My auto insurance carrier XXXX, sent paymentXXXX for {$28000.00}, and there was still a balance of approx. $ XXXX that the GAP coverage was supposed to cover. 
I called XXXX over a dozen times and was told by every single representative that I do not have to make payments even though your website was still indicating that I had payments due, late, upcoming, etc. The XXXX XXXX XXXX would continuously tell me they were waiting for my GAP coverage payment to be sent from the dealership then I finally got the dealership to help me and they determined that was incorrect because it was a lease that the GAP coverage was to come from the leasing company. 
All I know is I was told on every phone call that should be recorded not required to make payments other than my {$500.00} insurance deductible, which I did. Today my XXXX XXXX dropped XXXX points in one day because the credit bureaus were reported to by XXXX that I am late payments. The credit and payment were all supposed to be " Suppressed '' as per XXXX XXXX XXXX. 
PLEASE IMMEDIATELY FIX THIS! I DO NOT OWE XXXX ANY MORE MONEY, AND ALSO MY CREDIT MUST BE UPDATED AND FIXED SO THAT IT REFLECTS I HAVE NEVER MISSED A PAYMENT. ALSO, CLOSE THIS ACCOUNT PERMANENTLY, FINALLY. My credit is very important at this very moment for my student loans are contingent upon them right now.
Product: Credit card

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an involcing error-therefore.

1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Product: Mortgage

I purchased a home in XXXX right before the Housing bubble. Like many other home buyers, I experienced an unprecedented amount of burden on paying the mortgage after losing a major part of my income during the downturn. I called Wells Fargo around the middle of XXXX to see if there was anything they can do to help me with this unforeseen event. They proceeded to tell me that there was nothing that they can do and that I should consider short-selling the home. I was against that idea because if I did, I would've been living on the streets. I progressed to argue with them over and over for a number of years and finally, they just threatened to foreclose on the property because I was not making all my payments. I sent in payments when I had some money available. Finally, I was able to get some relief with a program here in Florida. They were able to get Wells Fargo to modify my loan. The loan was modified in XXXX. Now... this of course was many years after I first inquired for help. Throughout that time there were an enormous amount of fees that were built up ( some that I paid and some that I'm still paying ). When the loan was modified, they added all the fees to the back of the loan and extended the loan to a 40 yr loan (?? ). I was already down to 22-23 years on the original loan. It's been 15 years since I bought my home and I still owe more than 85 % of the cost of this property. Meanwhile, Wells Fargo is taking full advantage of the situation by collecting their interest. I'm hoping that with this new settlement that Wells Fargo has agreed to pay, ( which they have not notified or tried calling me about anything ), I can get some type of relief and/or compensation for all the issues I've had with them and the number of fees that were paid. Thanks. I appreciate your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquiry
Product: Student loan

ecmc sent me some paperwork however I 's disputing the fees and interest because they are making impossible to repay for example a loan disbursement of XXXX with a repayment amount of $ XXXX. This to me is unacceptable and doesn't see LEGAL. I also have always questioned the pay back amount and XXXX would never provide info I asked for like how is my repayment at $ XXXX oh actually within the last 2 months it was jacked up to $ XXXX. This is just for almost 2 years of schooling. There is definitely something wrong here with the accounting with ECMC and/or XXXX XXXX University which was in control of the disbursements. I have been asking for the last decade about these overcharges and can't get any help as to my options with disputing these loan charges/fees. I am starting to think that someone in the XXXX XXXX Financial aid office took in money that I didn't know about.
Product: Money transfer, virtual currency, or money service

I was frauded by someone calling with a Wells Fargo phone number. They had my account information and amounts. everything about this seemed legit Wells Fargo. 
Long story short, I lost over {$17000.00} I filed a claim with WF the same day, XXXX I called again the following XXXX XXXX XXXX and XXXX  XXXX. I have yet to recieve any real updates. No claim information is found online either. I keep getting told to give it another 2-3 days. 
{$17000.00} is almost every bit of money I had! And I'm getting no answers. 
It started with a call from " Wells Fargo '' caller ID. The lady identified herself as XXXX from the fraud dept, and that the call was being recorded. I was advised that my saving account information was compromised and that an attempted wire transfer for {$8000.00} took place 3 times in XXXX TX, causing WF to alert the fraud dept. I was asked all the pertanant questions, was I in XXXX, have I recently been, have I done a wire transfer etc. The answer was no to all. I was asked if I shared any of my info with anyone, no. 
She advised me to move all money to savings, thereby leaving XXXX balance in all accounts, so that those account could be closed and reopened with new account numbers. I was then led to the wire transfer area of the online app, givin a routing number for XXXX XXXX, under the name of XXXX XXXX. I was advised to put in the amount of {$17000.00}, this way they could monitor all transactions looking for that amount. I WAS A XXXX! 
After it all ended and I realized what happened, I immediately called WF asking about it, and was promptly told it was fraud and a case was opened. XXXX week later, NO ANSWERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 lates that are showing on my credit report for my XXXX XXXX XXXX credit card when they weren't late and hte company had issues with there website and was down when i tried to make the payments. 

It was in the month of XXXX and XXXX of 2023. The company is going through a bankruptycy and the card site was down. They didnt mail me the statement till after the due date also.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : 1. XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Im not liable for this debit with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX  reference account number XXXX as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Product: Student loan

I went back to college to obtain my  XXXX   XXXX . The cost of tuition was going to be {$19000.00} for the program. I took out federal loans through Navient. From  XXXX   XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX  I would receive a " REFUND CHECK '' in the mail from my college,   XXXX   XXXX   XXXX  . I questioned the amount of the refund since it was much more than my tuition. I would call financial aid at the college, and their response was " an overpayment by the loan agency ( Navient ) based on your financial needs. Money to spend in whatever way you need. '' So I THOUGHT this meant, based on my tax history and financial needs, this was " extra money '' being sent to m y Navient. However, when I completed my degree, my ending balance was {$36000.00}!!!!!!!!! NOT {$19000.00}!!! ! After speaking with   XXXX   XXXX  , they explained that they send an invoice int o Navient for   tuition costs. Navient sends money back to the college to cover tuition, PLUS EXTRA money " just in case I needed it for something ''. So basically this " extra money '' was being tacked on in a check with the memo " refund ''.
Product: Money transfer, virtual currency, or money service

This person promised to send me money if i helped them out. They guaranteed that if i sent them money they would send me back an amount of money. And they blocked me and scammed me.
Product: Mortgage

This complaint is in regards to my current lender ( Gregory Funding ), who I have submitted several letters in order to correct the error in reporting a late mortgage payment. I have submitted several letters of proof that I am not late or have I ever been late on my mortgage. I have also had my attorney submit a letter to correct the error, Gregory Funding never responded within the 30 day legal time they are required to respond to my attorneys letter. To date the error has not been corrected and we are unable to refinance our home because of Gregory Fundings incorrect reporting error stating that I was late on my mortgage payment. I am attaching the letter I sent to Gregory Funding, on XXXX XXXX, requesting them to correct their reporting error : XX/XX/XXXX Gregory Funding XXXX. XXXX XXXX XXXX, XXXX. XXXX FAX : XXXX XXXX Subject Disputing Late Notice XX/XX/XXXX This letter is being forwarded to Gregory funding based on a letter I received dated XX/XX/XXXX. The letter states that I am behind on my monthly payment in the amount of {$3000.00}, this is incorrect and I am disputing all late fees and the amount of {$3000.00} I have never been late on my mortgage. 

My loan was transferred from XXXX XXXX XXXX  to XXXX XXXX XXXX, all scheduled payments were paid on time. My final payment to XXXX XXXX was made on XX/XX/XXXX in the branch. My mortgage with XXXX XXXX was in bankruptcy and discharged in XX/XX/XXXX in which a notice of final cure payment was issued from the bankruptcy court to XXXX XXXX XXXX  and it states Agrees that Debtor ( s ) has paid in full the amount required to cure the default on Creditors claim, The loan is due for XX/XX/XXXX payment ( see attachment ). We received a letter from XXXX XXXX XXXX  that our loan as of XX/XX/XXXX was transferred to XXXX XXXX XXXX. XXXX sent us a letter stating that our next payment would be due on XX/XX/XXXX we made a payment to XXXX XXXX management in the amount of {$4900.00} on XX/XX/XXXX. Based on my records we are current, please correct this recording error. 

I am requesting Gregory Funding company to correct the error and bring the loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran an employee application ( Custom Id # XXXX ) & the Checkr Background showed an infraction ( that by the way doesn't show up on XXXX XXXX ) or shouldn't. 

It seems like I've been targeted & the same people tried making it look like I had a criminal background. This offense is not a criminal offense & is an infraction. 

I requested they remove it because I'd it isn't on the XXXX record, it shouldn't show in an employment background. 

The court said it would not show up on Employment background reports & I would like for it to be removed. It's misleading & gives the appearance there is a criminal charge when there isn't. Even though the criminal records section shows clear, it even shows up in the criminal report section & I do not have any criminal charges. This infraction is noncriminal therefore shouldn't show up at all. It is a minor infraction. 

Furthermore. I have a dispute regarding this infraction because I was not using my phone or texting while driving. I initiated the dispute & am moving to have it removed from my record completely. 

I was looking for a VC or other code to support this request. I may have to go to the law library later to locate it's origin. If you are aware or have an acquaintance that has supporting code ( s ), I'd appreciate it. Otherwise, I'm requesting removal in 'Good Faith '. This code is an infraction & backgrounds generally ask if you've been convicted for a Misdemeanor or a felony ( Infractions excluded ). This, any reporting entity shall otherwise exclude also. 

Thank You.