23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX/XXXX/XXXX I received the second half of my student loan disbursement {$9900.00} for that school year. Not needing the entire amount of the loan for that I contacted my financial aid office who instructed me to go to the Direct Loans website and pay the amount in return. On XXXX/XXXX/XXXX I did just that and made a return loan payment of {$9000.00}. In XXXX of XXXX when I graduated I decided to work on loan consolidation since I had several loans spanning from XXXX and XXXX  school. I realized that No Where could I find the {$9000.00} payment I made and it was not applied to the loan I had received for the XXXX school year. I called direct loans and asked. Which they replied that because I made an online payment, the payment was sent to pay interest first and split up over several loans that currently held interest. I told them that this was a Loan Return Repayment and was supposed to be allocated to that certain loan. The lady told me it did n't make a difference where it went. I thought this was odd so later that week I contacted my financial aid office again. She said that it was a big deal and I was going to continue to be charged interest for the principle of this loan. Call them back and tell them to allocate that repayment. The next thing I know my loans were transferred that month directly to Navient. I called Navient and they said they had NO record of this loan repayment. That was four years ago! I have been fighting with them for four years. Finally this year they finally have admitted that they do see the payment and that it was split up instead of paid to that loan and " there is nothing we can do for you. '' We can not change the way the loan was sent to us. I have provided extensive bank records to them, requests, I have letters they have sent me saying that no such XXXX payment even existed. They have shuffled me for years. Saying they were going to fix this error. Please give us this info/ that info. etc.They are legitimately defrauding me. Pocketed the money I returned. And continuing to compile interest on the full principle of that loan. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX, I had an auto loan with the XXXX XXXX XXXX XXXX in XXXX, MD. I had my first delinquency in XX/XX/XXXX, while I was in XXXX school and, unknown to me, my father was gambling the money that he should've been using to pay XXXX  ( given that I was a XXXX XXXX XXXX  ). Given that it's been about seven years since my first delinquency, I filed a dispute with Experian to request that XXXX drop it from my credit report. 

Instead of dropping the dispute from my credit report, XXXX or Experian ( I am not sure which ), updated my account to reflect that it was closed in XX/XX/XXXX instead of XX/XX/XXXX. This is inaccurate. It also removed all of the on-time payments I had had prior to XX/XX/XXXX from my credit report. 

I have worked extremely hard since graduating from XXXX school in XX/XX/XXXX to clean up my credit and now have an extremely high score. I feel this mistake is going to make me look less credit-worthy than I actually am, which is coming at a time when I am beginning the process to buy a home.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 60 days 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. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these inquiries to be pulled.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Mortgage

From day one when I tried to make a payment, they repeatedly yelled foreclosure. Then only after saying Id report them to a federal agency did they accept a payment. 
I got behind, and they sent a PREFORECLOSURE statement to me. But in their report they noted payments that were for months that had not even came yet!!! ( see document ). 
I reported them to your agency and they said they would work with me. They said they would allow the payments to continue, but I had to pay their LAWYER fees for the foreclosure process. I asked them to extend the time to pay back the money, but they said there was a LAW which said they could not do that, They demanded {$1200.00} down and {$600.00} per month for 12 months and said if I missed one payment they would foreclose. I was paying about {$330.00} before. So they almost DOUBLED the amount of payment.
Product: Mortgage

Wells Fargo mortgage paused my mortgage payments without my consent and reported me to the credit bureaus. 

In XX/XX/XXXX, I called Wells Fargo mortgage customer services with a question on the property tax escrow in mind. I followed the automated prompt and chose the most appropriate option for my question, the I heard a prerecorded message saying I was enrolled in a 3-month forebearance program. I didnt know what a forebearance was so I hang up and called again. I got the same message so I gave up on calling. 

Months later, I realized the auto draft of my mortgage payments did not go through. This had never happened before since I had kept a balance of at least {$200000.00} in my bank account. I never paid attention to this draft since its been running smoothly for 6 years without any incidents. 

When I found out about it, I paid off the 2 missed payments. Later I decided its not worth the hassle, so I ended up paying off my mortgage. 

In XXXX I found out my credit score had dropped dramatically. I downloaded the report and saw that the two missed mortgage payments were the culprit. I started calling Wells Fargo mortgage. I called 4 times between XXXX and XXXX. I spoke to 5 departments and 8 representatives. 

The last two calls I was able to reach the executive office and they assigned a case manager. On my last call with the case manager she started lying to me about unable to reach me. I started telling her how many times Wells Fargo had lied to me about not knowing about the forebearance they put me on. 

This is not the first time that Wells Fargo had conned me. In the fraudulent case when Wells Fargo pressed their employees to steal identifies and open accounts for phantom customers, I was one of the victims. I never set foot in any Wells Fargo bank but was informed that they had an account in my name. I was then compensated a little money to close this account. 

So this case manager stated that they had never put me on a forebearance plan. Which they did and that caused the two payments not being able to go through. But they not only denied that but also reported the missed payments to credit bureaus and hurt my scores. 

I started researching if this is a common practice and found there are many other victims who have been suffering from the same problem Wells Fargo caused. Here are some links to class law suits : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Transunion,  XXXX , and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd  party is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX that my account was delinquent in XX/XX/2023. I called XXXX and discovered that the CometyCapital/DELL reported a 30 days late payment. 

I then reached our to ComenityCapital/DELL. They confirmed that they didn't receive my monthly payment for 2 months that was why it was reported. I instantly said that wasn't possible because I had auto pay setup on the account for over 2 years and I have never missed any payments. 

They later confirmed DELL switched payment and Marchant system which removed all the previous autopay that customers had previously set with the old system ( DELL Financial Services ). However, I wasn't notified. I never received any mail or email or call or text or any form of notification. They said letter was sent out but I never received it. 

The delay of the said payment was as a result of the change they made and not my fault. I can prove that as at the date of original autopay I had set up my autopsy I had enough money to take care of all auto payments., My records is a prove to that. I have never missed a payment. 

This is an example of unfair Act of Practice that has caused me substantial injury. I just lost the ability to put in an offer for a home because my Leander couldn't continue to pursue my loan with the Low Credit score report that this situation has caused.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The XXXX Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

My credit card has been compromised multiple times in the past year. 
The last time it was compromised before I received and activated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Product: Checking or savings account

A XXXX credit card was opened in my name, and a charge of over {$300.00}. Was charged to this card.I call the chase and spoke with 5 different agents of chase overseas and language barrier.To boot I have XXXX XXXX.adding to the frustration is that I told them this was a fraudulent card and they all asked for the card number.Never received a card
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 XXXXXXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

AMSHERCOLLECTIONSERVICES # XXXX To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMSHERCOLLECTIONSERVICES # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) AMSHERCOLLECTIONSERVICES # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 ) AMSHERCOLLECTIONSERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMSHERCOLLECTIONSERVICES # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMSHERCOLLECTIONSERVICES # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with TRANSUNION & XXXX   regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX XXXXXXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

TRANSUNION sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

TRANSUNION needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that XXXXXXXX XXXX is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.
Product: Debt collection

I am being contacted by portfolio recovery XXXX XXXX XXXX XXXX XXXX, VA XXXX about a debt to XXXX that I do not believe is my account. The last 4 of the acct that portfolio recovery has on there website is XXXX they do not have the full account number available on there website. I have attempted to dispute this debt multiple times with no resolve. They are saying I owe XXXX and that the account was opened on XX/XX/XXXX and acquired by them on XX/XX/XXXX. I am requesting debt validation on this debt and I am also requesting the ORIGINAL CONTRACT on this debt and if they can not provide this I am requesting that this be removed from all 3 credit bureau immediately. I am also requesting the amount that they bought this supposed debt for and how much there fee that they added to the debt is. I am also requesting this in writing only through the CFPB. they are not to contact me through phone contact. All contact must come through the CFPB. 
My contact info for them to look the account up is XXXX XXXX Phone number XXXX Address XXXX XXXX XXXX XXXX XXXX, AR XXXX Last XXXX of social XXXX THIS I AN ATTEMT TO RESOLVE A DEBT THAT I DO NOT BELIEVE IS MY DEBT IF YOU CAN NOT PROVIDE THESE DOCUMENTS BY LAW YOU HAVE TO DELETE THEM IMMEDIATELY OR FACE POSSIBLE LAWSUITS.