23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX University between XX/XX/XXXX and XX/XX/XXXX to earn my XXXX and a XXXX. To finance my education, I paid with a mix of federal and private loans, as well as my personal finances. My private loans were issued through Wells Fargo Bank ( although I had come to Wells Fargo through XXXX ). After applying for my loans, I never received any correspondence from Wells Fargo. I was given no account information to view my loans online, and even when I tried to track this information down online by entering other personal information, like Social Security number, birthdate, first and last name, their online system could not link me to any account ( which I find odd considering almost every other banking institution can retrieve your account information from your personal information filled out in your account applications ). 

Having never taken out student loans previously, I was not completely understanding of how the process worked. Since my loans were then issued and distributed through XXXX University 's financial aid office, I did n't suspect any issues or negligence on the part of the bank. 

My loans will soon fall out of their grace period next month, and after having still not been contacted by Wells Fargo, I called to find out any information. In speaking with several loan service officers, I learned I DO in fact have an account number, which had never been given to me through any correspondence. I learned my mailing address had been incorrectly recorded in their system, and so I had never received any snail-mail correspondence that would have provided information to access my online account. 

I was never emailed nor mailed ANY statements notifying me of quarterly interest payments, which I could have been making ( and DID make on my federal loans ) during school. 

I have now accrued nearly {$10000.00} in interest that I was never notified of, and the bank accepts culpability for mailing loan disclosure agreements to the wrong address and for also failing to EVER correspond with me through email so that I could access my online account. 

I understand from the XXXX XXXX XXXX 's XX/XX/XXXX article ( XXXX ) that Wells Fargo has been under investigation by the CFPB, so I am submitting my case to help further this investigation. 

If the bank will not allow me the opportunity to make retroactive payments on the interest that I was given no written ( or otherwise ) notice of, I do plan to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Acct # : 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I was approached and approved for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. a Day or 2 Later, I saw on the News where this Same Company went Bankrupt and Left Customers holding the Bag. I immediately Called my points of contact only to find that all numbers had been disconnected. The News had provided an online link for Customers of this company. I found the link and it's Contacts to IMMEDIATELY CALL and CANCEL EVERYTHING Pertaining to them. I was given a series of emails & phone numbers from which to Submit an Affidavit of what happened, of which I submitted both via email, and regular mail. No Money, or Services, OR Goods were Ever Rendered, as they went bankrupt the Very next day. Needless to say, this Outstanding Debt appeared in all 3 of my Credit Reports of which I Contested all 3, yet their investigations Stood. I have literally been going back and forth with this Company for 6 Months, making Probably close to a Hundred Calls over 6 Months, Numerous Emails & Everything, Only to be Passed around and told the Same thing. " ive taken notes and forwarded your concern and someone will get back to you '' Nobody has gotten back to me, and the Matter is STILL being Reported to all 3 Credit Bureau 's as an OUTSTANDING DEBT of {$17000.00} by ENERBANK USA which NO DOUBT has Affected both my Credit Score AND my ability to get a good rate on a Loan or credit card. I've Contested the matter TWICE with XXXX sending them COPIES of the Affidavit and THEY STILL have not Removed this FALSELY Reported Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents, the personal information you are reporting are not mine
Product: Bank account or service

Order flowers from a company name XXXX to be delivered to my wife. The picture in their website vs what was delivered was a misrepresentation. Contacted XXXX for a refund per their guarantee and they would not honor it. I then contacted Chase customer service and they said there was nothing that can be done since it was a debit and there was no purchase protection at all on debit purchases.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX  XXXX.
Product: Debt collection

I received a XXXX letter from the state. They put a lien on my social security number from a debt I allegedly owed I never got a paper bill or any sorts of bills for that XXXX. I called the requesting agency which is XXXX XXXX and they told me they have nothing in their system and to contact the collection agency. I called collections and they told me I owed {$12000.00} and they cant give me any more information but that. I called my insurance company and they told me they never received any billing claims and the ones they did receive for my XXXX  visit they already covered them. I been insured since XXXX  so there is no way this debt is mines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX XXXX accountable for their sloppy performance.
Product: Debt collection

I am writing to dispute a late payment entry 's on my credit report. My XXXX report, which I received on XX/XX/XXXX, shows a late payment entry from SANTANDER CONSUMER USA for the account number starting with XXXXDate of late payments opened XX/XX/XXXX. There are currently XXXX inaccurate late payments from SANTANDER CONSUMER USA on my credit profile that needs to be removed immediately. XXXX is reporting fraudulent late payments on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These late payments has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The late payments listed below are inaccurate REMOVE NOW. THIS ACCOUNT IS PAID AND FULL. 10 Late payments are super inaccurate! 
Account name : SANTANDER CONSUMER USA Account Number : XXXX Date opened : XXXX XXXX
Product: Debt collection

In XXXX I woke up to my XXXX XXXX XXXX  gone from my parking lot at this time I was only one month behind but had called the company and opted in for the covid19 skip a payment program I was told everything was taken care of and that payment would be put on the end of my loan. After I realized my vehicle was gone I called the loan company and spoke to a very rude woman who informed me I had not returned my signed documentation for the program which was supposed to be sent and returned via us postal service, I informed her i was never told of such details and hadn't received such said documents nor was informed from anyone in the company spoke to told me such. She then informed me that all calls were recorded I asked for the recording and she told me she would review it and get back with me but in the meanwhile to get my car back I would have to pay the full loan amount of {$24.00}, XXXX  I told her i had the amount of the missed payment she then laughed at me and told me I could go get the belongings out of my vehicle at said location. I never heard or spoke to anyone at that company again.
Product: Credit reporting

I have a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to Experian in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how Experian has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted Experian once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. Experian refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I received a call from the actual US Bank number XXXX. The person stated to be a representative of US from the fraud department. He stated their were two transactions of {$700.00} made in Florida and wanted to make sure it was actually made by me. I said no. He then stated he was going to cancel those and close my cards down. I received a text, he said to ignore the text that it was him just closing my cards. Then I got another message, he also told me to ignore that text since it was him trying to freeze that transaction from going thru. Then there was another message from the US bank again, he again stated that was him trying to reset my account. I didn't have time to check the messages as I was on my way to pick up my son from school. After that, he then told me, that he was in fact from US bank that I could check the number he was calling from to verify who he was. He then states its taking him long than expected because he systems was having problems. After that, he states their was something else being processed on my account. It looked like a wire transfer of {$7700.00} to XXXX XXXX. He asked me if I did that, I told him NO. He states he was going to stop that. He gave me a new online code to get back to my account since he had to close me out of all my accounts. But that everything should be fine. Well when I to put that new code on the online banking, it didn't work. I notice that I was able to get on the online banking via face recognition. I then call the actual US bank which the representative stated they have never called me. But she said there was no card transactions of {$700.00} on the account or anything abnormal. I then asked about the wire transfer of {$7700.00}, she said it was not showing up either. Few minutes later into the call, she sees the now " pending '' wire transfer. I told her that was not made by me to please stop that from going thru. She states she will freeze my account so it won't go thru. She told me to go to the bank to close those accounts and open new one, also to move all the money over. Before I went to the bank, I asked her if that money will be taken out, she said no because she was able to freeze the accounts as soon as it happened. I go to the bank and did what she advise me. I was locked out from my accounts until Tuesday, it was then that I realized that the wire transfer did go thru. I've been on the phone with these people, ever since. Today XXXX, a representative told me they had close the case because they were unable to get my money back and there was no sign of fraud. That I made that transfer which I didn't. I don't know that else to do. I never gave this man any information regarding my login or passwords. Didn't even give them the account number since I didn't know them myself. I have made the police report, nobody has asked for it. I'm in complete disbelief my bank won't hear any of the conversations that took place and will not refund my money.
Product: Debt collection

Someone opened a credit card at XXXX  XXXX  using my name, social security number and an address from 12 years ago. 

According to the records obtained by XXXX XXXX XXXX, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by XXXX XXXX XXXX. I never received a credit card statement because of the fake address and never even knew this happened until XXXX began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. 

I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by XXXX have taken a toll on me and my family emotionally and caused undue stress on us all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with American Express. 

I was slowly paying back the debt on every paycheck. One day the stopped collecting payments and sold my account to another company. 

However they continue to post the total amount from when I began paying them back. I have contacted AMEX and they no longer hold that account. 

It continues to show on my credit since and theres no way for me to remove it or settle it.
Product: Consumer Loan

I originally contacted USAA 23 days ago requesting the reversal of an auto loan payment because a double payment was drafted/made for the XXXX balance due on my auto loan. Instead of reversing the extra payment that was not supposed to be drafted, USAA drafted another one on XXXX XXXX. This made three auto loan payments taken out of of my checking account instead of the one authorized monthly automatic deduction. Because of this, my bank denied the ACH transaction ; understandably so. Since then, USAA has been unable to rectify this situation. I have given USAA full rain over my checking account to fix this. 23 days later, with four payments in one month being withdrawn for my auto loan even though only one was due, and a dozen phone calls to USAA, my auto loan is still being shown as past due. They are saying one more payment is being drafted as well, that makes XXXX auto loan payments in one month and my account is not fixed. The payments USAA is drafting from my checking account are not being reflected on my auto loan. I have been more than patient, but this is an item that could drastically affect my credit and USAA has been unable for 23 days to correct this deficiency. I will not allow the inability of USAA to correct this account and reflect it as current destroy my credit. The keep taking payment after payment out of my checking account when only one was due. Attached is my bank account summary of transactions, and the USAA auto loan summary that does not match the withdrawal history at all, and shows my account not being reflected as current after XXXX payments and 23 days ( with one more " required '' before they update the account.
Product: Checking or savings account

From XX/XX/XXXX - XX/XX/XXXX, there were 29 fraudulent charges that were allowed to deplete the funds in my account. The amounts range from {$.00} to {$350.00}. The credit union failed to notify me of any suspicious activity. The credit union failed to block my card. The credit union failed to take any steps to protect my funds. These are obvious fraud charges because of the amounts, the frequency, and the location of the transactions. The transactions were completely outside of how my debit card is used. I am expected to wait up to 10 day for an investigation to be completed before my funds are returned.
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, US DEPT ED # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 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 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: Mortgage

Im writing to you today because I have tried everything in my power to get my home equity loan straightened out with Wells Fargo bank. my home equity loan ballooned this past XXXX and with things being the way they are in the country right now payments went from about {$450.00} in interest to {$2100.00}. in interest plus principal. I explain to Wells Fargo on many occasions that my business has not come back yet since the pandemic and I am unable to afford the {$2100.00} temporary loan modification payment each month. I started making payments of {$1400.00} a month which is the temporary loan modification minus the property taxes and insurance. I pay taxes and insurance directly. This wipes out all my social security check plus more. 
There is much more to this story. I was put in a forbearance durning the pandemic which I caught up with, but they mismanaged the account and never took me out of forbearance even though I was paying! Many conversations with them, one person tells me to do something and another says to do something else! What a mess! 
I am XXXX XXXX XXXX and trying my best to keep the home my dad and I built many years ago. I XXXX XXXX XXXX company which suffered terribly during the pandemic and still hasnt come back yet. Im trying my best to work with them and although they have offered me other options each option they have offered, cost me {$2100.00}. As I explain to them on many occasions I dont have this much money to give them each month. Ive spoken with many people there and have had many problems along the way. The harder I try to work with them, the harder they work against me, although they said they are helping, they are not. Now theyre sending me letters of foreclosure even though I am paying them something each month. But that payment that are putting towards past interest, so its like Im not paying anything! If I dont pay the back interest of {$12000.00} by XX/XX/2023 they will foreclose on my home! 
I explain to them that I own another property with my cousin, a house on the beach which we are negotiating to sell. When I get my half of the money I plan on paying off this loan. I did explain that to them but they are not willing to wait and just let me pay some thing in the meantime. 
You are my last resort! 
I need to get this straightened out, I can make the payment of {$1400.00} and pay my own taxes and insurance, but they wont let me! 
Please help Thank you