23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I received an email from XXXX XXXX XXXX saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from Navient where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXX and spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because XXXX is using a third party collection agency XXXX XXXX who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.
Product: Money transfer, virtual currency, or money service

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

Please advise as to how I can escalate my complaint against Wells Fargo Home Mortgage. I had been current for 36 months in a row when I was laid off of my job. I contacted Wells Fargo immediately and was told about a deferred payment plan. I agreed to enroll in the plan in XXXX and was told not to make any payments until the enrollment process completed. In XXXX, I was sent the paperwork for the program and noticed that all deferred payment would become due immediately at the conclusion of the program. This was not told to me initially back in XXXX. However, at this point, I was now over 2 months behind on my mortgage. I was advised by Wells Fargo Home Mortgage not to worry, enroll in the program, and when it concluded we would apply for a loan modification to address the deferred amount. I did as advised but then, due to the glitch in Wells Fargo 's software, was told that I didnt have sufficient income to qualify. I knew that had to be incorrect and appealed time after time, only to receive the same answer. Finally, my house went into foreclosure. Because of this glitch in their software, I have lost my home along with many other homeowners. I have filed complaints and written many letters but no one has helped. I filed a complaint with you and Wells Fargo supposedly did an investigation. Their response was that they can not do anything to correct the situation because my house was sold in a foreclosure sale. That is exactly my complaint. Wells Fargo unlawfully sold my home and now says nothing can be done because they sold my home. How do I escalate my complaint to a Federal agency that can actually do something in regards to my situation?
Product: Credit card

i rented a car with my credit card which has rental car insurance in XXXX 2015, in a supermarket parking lot some unknown person scraped the rear fender. the charges for repair came to {$300.00}. i filed a claim with the credit card co. I have filed all the infomation they have asked for XXXX, I have mailed the info and also faxed it to their claims dept. each time I have received a form letter asking for the same infomation that I have already sent them.I have spent many hours on the phone with them and each time getting told that a claims examiner will review my claim and get in touch with me, no one has ever called!!
Product: Debt or credit management

I paid off the balance at XXXXXXXX XXXX XXXX  and procollect is saying I didnt. Their account manager is super rude too.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX. 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the account stated above. Additionally, I have contacted the companies through a phone call, and they have confirmed the need for correction. 

Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report.
Product: Debt collection

Collection Agency Name National Recovery Agn Last 4 of SSN : XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Name Of Provider ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 


Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection : XXXX - XXXX {$1900.00} -XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Vehicle loan or lease

The summer of XXXX XXXX XXXXXXXX I purchased a brand new XXXX XXXX. The engine has problems within the first two weeks of driving. The first issue the sensor engine was loose. The service worker XXXX was very rude and nasty towards me attempting to pick a fight. At the same time I was in the middle of experiencing homeless and about to lose my job. I was provided with their XXXXXXXX XXXX from enterprise with their 36 month warranty while fixing any problems. My engine blew within the next two weeks completely and I was placed in another rental ( XXXX XXXX ). I then asked for a complete vehicle replacement or refusal to pay the car note. I was not granted with another vehicle. I then learned about Lemon law, looked into the issue, after that the sensor came off again. Right after I called in for the last time which would have been the 3rd attempt to fix the vehicle. I had an appointment XXXX that day and someone repossessed my vehicle with all of my things in it XXXX that morning. Chrysler Capital agreed to lower the payment. 1, I should not have to pay this at all and finally I was discriminated against as a single XXXX woman. 
The Chysler Capital lowered amount is still unreasonalble. I went back and forth to the dealership trying to get the engine fixed and as I mentioned no payment was made to the brand new ( Lemon vehicle due to complication ). The dealership towed the vehicle after my 3rd call about the engine burning up with smoke. I need this removed.
Product: Debt collection

In XX/XX/2023, I filed unemployment after not receiving employment for a considerable time. I informed Affirm on XX/XX/XXXX, that I had previously filed unemployment, and was waiting for it to be processed. I made it clear that since I had XXXX income, I wouldn't be able to even make a partial payment until I receive unemployment funds. I have continued to receive numerous emails, and even messages from a debt collector with my account only being a month late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just checked my credit report today and Equifax has posted a delinquent account on my credit file as of XX/XX/2021 when it was previuously disputed and deleted. They have done this twice. The dispute was filed with XXXX but the result effected all the bureaus. As I originally informed the dispute is for a collection account with XXXX XXXX over cancellation of a policy for a vehicle that was scrapped. The request was called in on the day the vehicle was scrapped and I spoke with an agent. I did not have a replacement vehicle at the time and policy cancelled immediately. The amount in question was XXXX.
Product: Mortgage

I have applied for a loan modification Ocwen mortgage at least 5 times. The first couple of times I applied I was denied due to not obtaining a signature from a spouse that I had been separated from 16 years and he was not a co-borrower on the loan on which I was requesting the modification for. The most recent modification was denied do to Ocwen stating they did not get a signed agreement from me, and after I had made all three requested payments earlier than requested. During conversations with Ocwen, they never once requested those documents from me and I had spoken with my relationship manager at least 4 times during that period. Also, when I initially called regarding the status of the mod on XX/XX/XXXX, the rep never advised me that the payment was due on XX/XX/XXXX. Coincidentally, I received a statement in the mail advising the payment was due on XX/XX/XXXX. Also during the 4th time I applied, I contacted Ocwen to discuss the mod, and they had already denied the mod, per the rep I spoke with, due to me not making a payment within 1 day of the due date the 2nd payment was requested The tracking on the payment reveals that Ocwen received the payment on the XX/XX/XXXX by XXXX XXXX, but the payment was not processed until the XX/XX/XXXX of the same month in which is was received. Another issue I am noticing with Ocwen is that, they are not really advising me properly when action is taken on the mod. I spoke with them last week and they stated the mod was denied on XX/XX/XXXX. I have yet to receive those papers as well. They are taking negative action on the mod and not notifying properly. I assume that I may not be the only client that may be experiencing similar issues with Ocwen. Ocwen is also reporting my account closed and that no payment has been received since XX/XX/XXXX on my credit report and causing my score to be lower, when the account is open and up payments were being made thru the trustee before the account was removed from the bankruptcy. I 've also noticed that payments sent by mail are processed as late as 16 days. This could mean unreasonable capitalization of interest and late payments for some customers. On the other hand, when I pay {$16.00} and pay through an online company my payments are posted within 3 days.
Product: Mortgage

Wells Fargo needs to provide the following information which has been dodged for three complaint rounds to date to support their allegation that I was missing payments in the XX/XX/XXXX letter provided to CFPB. 

Provide the account ledger for my loan from XX/XX/XXXX to XX/XX/XXXX. 
Do not answer the question with a customer activity statement. 


Previous Complaint : I would like a direct answer to my question be provided by Wells Fargo which to date has been dodged for two complaint rounds. What payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? In Wells Fargo 's response to complaint # XXXX XXXX XXXX states : " You've continued to assert there was no payment delinquency. There is no evidence to support your assertion. '' Wells Fargo needs to answer my first question what payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? After the missing payments are identified, by Wells Fargo, then it will be up to Wells Fargo to provide evidence that I did not pay the missing payments. Note that the market rate value of XXXX XXXX XXXX, XXXX XXXX XXXX is valued atXXXX : {$650000.00} XXXX XXXXXXXX : as of XX/XX/XXXX. Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with Experian, and XXXX ; regrettably, the matter remains unresolved to date. 

Experian 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Employers : XXXX 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unathorized reporting of personal information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against Experian and XXXX. Credit reporting agencies for what to be a violation of Consumer law as outlined in 16 U.S Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is clear breach of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) I have never authorized Experian nor XXXX to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made attempts to contact Experian and XXXX, on XXXX but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX and Experian comply with federal appropriate actions and ensure that Experian and XXXX comply with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation. 

Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of {$13000.00}. ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

TD Bank does not seem to be responding to any of my messages concerning issues I am having with XXXX. I have transferred XXXX XXXX from TD to XXXX  and they have been locking me out of my own account and ignore all my messages. TD does not seem to responding to my reports that the entire this is a fraud. I can not log into XXXX right now and TD Bank does not have any ways to reverse the transfer. There is something wrong with the entire situation right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus told me to contact Cfpb then they told me to call the FTC the FTC sent me back to see CFPB. I believe there to be a flaw in the system. I am in the process of buying a house so I have been watching my credit like a hawk I paid down {$3000.00} in debt on a credit card my score went up XXXX points the next month I put {$300.00} on a credit card and my score dropped XXXX points. Before you ask, There were no other changes to my credit just adding on the {$300.00} in credit. I do understand the credit to debt ratio and points going up and down based on it but now that Im paying off the {$300.00} on the credit card Ill bet you anything my score wont go up the same amount of points and. This is not fair to consumers and I wanted to make you aware because maybe its a major oversight that you guys always take more than you give even when its an even playing ground I did take screenshots to prove it was the only thing that changed on my credit there were no new increase there was no new credit there was no other credit utilization its because I put {$300.00} on my credit card when I pay it off I want my score to go back up to where it was! I would also like some explanation as to why adding {$300.00} of debt would affect my score so much its a very small percentage of my open lines of credit when paying off {$3000.00} had the same affect! I filed with the FTC who directed me back to you and I have a complete reference number of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/2021 i need help.
Product: Credit card or prepaid card

Anual Fee posted on XX/XX/XXXX on US Bank Flex Perks rewards credit card. Attempted to close account XX/XX/XXXX and US Bank refuses to prorate or refund annual fee of {$49.00}. Spoke with XXXX on a recorded hotline. 

1. Policy is not clear 2. Card profuct is being discontinued 3. Card has not been used in many years 4 {$49.00} annual fee on a card with little benefit and {$1000.00} limit is predatory.