23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I first received a garnishment order from Messerli and Kramer for XXXXXXXX XXXX for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.
Product: Mortgage

For the past year we have been having some financial problems. We have tried to work with our mortgage company Wells Fargo. On XX/XX/XXXX I called in a payment for {$1000.00}. On XX/XX/XXXX they sent us to active foreclosure. I did not find this out until XX/XX/XXXX when I tried to make another payment. We have not been sent any letter or email saying we have been sent to foreclosure. We have tried to work with them but they keep giving us the run around. They say they send letters that we dont get. They get very rude on the phone and have hung up on my husband. They wont give us any information that we ask for. We got told our options are give them the house or they will take it by force. No dates or anything have been given to us. Many times they have said that they have sent letters and we have not got them. A number of times they have told us that they dont except partial payments. I have sent extra money when we were late and they put it all in a unapplied balance. They they charged us a late fee for it not being in the right place. At one point there was multiple payments in the unapplied balance part. And we were being told that we havent paid. Wells Fargo has stressed us out in our time of need. We know that we got behind but we have been trying. They have also told us that they wont accept any payment unless it is the full amount past due. The words were all or nothing. So rude of them when we were trying. We have still not received a letter saying we got foreclosed. Last letter said call before they send it to foreclosure. We are not being foreclosed on. They also sent mail to my parents house when they dont have that address on file. They called me a liar when I told them what happened. They have been rude and wont work with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
Product: Student loan

Among other things, the servicer, Nelnet, will not allow for payments to be made towards the principal only, even though all regular payments are being made on time. 

Also, I was charged over {$25000.00} in interest during the time my daughter was in XXXX. This was disclosed to me last year ( 2023 ) when I consolidated all loans. 

The website is chronically unavailable ( down ). Due to this, I am not able to make additional payments. During the time the website is down, account is being charged interest. 

The Hold wait can, oftentimes, be up to XXXX hours. 

There has been no response to my complaints, neither from them nor the Department of Education. Nelnet refers me to the Department of Education and the Department of Education refers me to Nelnet. 

Nelnet operates more like a Financial Predator than a Financial Services Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to finance a home improvement project. I had told the company who was going to do the project for me that my spouse already had a loan through service finance. The company itself and their service finance agent, were not aware that service finance only finances one project per house hold and not per SSN. Therefore, my application was declined. 
I understand mistakes happen, but since i had not fault in this whole thing I would like to dispute this hard inquiry on my credit report with all credit Bureaus. I have an excellent credit and i work hard to keep it perfect.
Product: Credit reporting

I have disputed XXXX collection accounts with the City of XXXX XXXX, account number XXXX in the amount of {$150.00} and XXXX in the amount of {$140.00}. This information has not been legally verified per the Fair Credit REporting Act and it 's affecting my credit. They City of XXXX XXXX ca n't even provide validation that these accounts belong to me.
Product: Mortgage

A customer service agent from  Ocwen  Mortgage presumably in the  XXXX  called me and advised me that I needed to pay {$240.00} to reinstate the mortgage. No methodology of payment was required or provided. I made a payment of {$61.00}, the normal payment, a payment of {$120.00} or twice the normal payment and a payment of {$61.00} all using  XXXX   XXXX  Bill Payment.  XXXX   XXXX  immediately takes the money from my account into a suspense fund and makes the payment electronically to  Ocwen. Ocwen  refused the payment and returned the money electronically. When I asked why, they said that the electronic payment was not certified funds. They demanded that I send a wire transfer immediately. I did so from my bank  (   XXXX   XXXX   )  to their bank  (   XXXX   XXXX   )  costing me {$15.00}. I called in and spoke with  XXXX  ID #  XXXX  and she documented the wire transfer number, but was not able to verify receipt. I asked to speak to a  manager  to verify the wire transfer or to find out why they could not verify it immediately. I was transferred to  XXXX , ID #  XXXX  and asked why she could not verify the wire transfer of {$240.00}. I all got were standard answers and that it would take two days, blah, blah, blah. Sorry, I have been doing wire transfers for about forty years and they have been nearly instantaneous in that time frame. I asked  XXXX  to verify the wire transfer number and she initially refused. I said that  XXXX  said that she added the wire transfer number to my account. All of this transpired on Monday  XX/XX/2017   . I tried to reach the OCWEN Ombudsman, the prior Friday and Saturday, but to no avail. I had spoken to a Customer Service Representative in  XXXX  first thing in the morning and the guy just wanted to lecture me and create further problems. I demanded that this guy be fired.
Product: Bank account or service

I have a checking and savings account with Bank Of America, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous
Product: Debt collection

I've disputed this alleged debt several times, and I've filed a previous CFPB complaint in reference to this matter, please help me! This company continues to report on my credit even though they've never sent me any of the documentation I've requested from them or the credit bureaus! I don't know what this debt is or why it's on my credit reports and ERC has never ever verified the account to me, please help me!
Product: Credit reporting or other personal consumer reports

Subject : Request to Delete Illegally Acquired Accounts from Credit Report Dear Consumer Financial Protection Bureau ( CFPB ) Support Team, I am writing to seek urgent assistance regarding the illegal inclusion of certain items in my credit reports. As a victim of the Equifax data breach, my personal information was sold and obtained unlawfully, thereby resulting in inaccurate entries on my credit reports. I have attached proof indicating that Equifax has taken no action to address this matter. I humbly request your immediate intervention to have these unlawfully acquired accounts effectively deleted from my credit reports.

Below is a list of the accounts that should be removed from my credit reports : XXXX XXXX XXXX XXXX Opened : XXXX Amount : {$1700.00} XXXX XXXX XXXX XXXX Opened : XXXX Amount : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Opened : XXXX Amount : {$6500.00} XXXX XXXX Closed on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed on : XX/XX/XXXXXXXX XXXX XXXX  Closed on : XXXX XXXX XXXX XXXX XXXX  Closed on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Closed on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed on : XXXX XXXX XXXXXX/XX/XXXX It is of utmost importance for me to have these erroneous entries removed from my credit reports, as they significantly impact my creditworthiness and financial well-being. I believe these items were included illegally due to the Equifax data breach, and I request your assistance in rectifying this matter promptly.

I kindly request the CFPB to investigate this issue thoroughly and take appropriate action against Equifax for their inaction. Additionally, I urge you to work with Equifax to ensure that these illegal accounts are promptly deleted from all my credit reports across the major credit bureaus.

Thank you for your attention to this urgent matter. I am hopeful that with your assistance, these inaccuracies can be rectified swiftly. Please let me know if there are any additional steps or documentation required. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my Experian credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.
Product: Credit reporting or other personal consumer reports

After receiving an updated copy of my consumer report I found that the account furnished by Transunion name XXXX Account # XXXX is in fact reporting inaccurately. The date of closure for this account is wrong and do not show accurate. This is unfair to me and the banking system. Also, this is in violation of my rights under the FCRA requiring that all information being reported should be 100 % true and accurate. I have disputed this many times which means TRANSUNION is willfully being noncompliant.
Product: Checking or savings account

On XX/XX/2023, I submitted a dispute for XXXX in the amount of {$150.00} for bank account ending in XXXX. I have submitted documentation to the bank showing that I returned the product and didn't receive my refund from the company. The bank account is now closed. The merchant advised they will not work with me any more due to they refunded it back to the closed bank account. I have contacted Ally Bank many times. Providing all the proof they are requesting from me. This dispute has been opened since XXXX and its now XXXX. I have not been provided any temporary credit and they decided to close my bank account without my authorization. They are stealing my money and violating Regulation E due to my dispute has been well opened more than the time frame its supposed to be open. They have not given me an update on my dispute and no funds have been provided. I keep asking to speak to a manager, do the callback requests for a survey for someone to call me back and no one has called me. I need assistance with retrieving my funds as Ally Bank is stealing my money from me. I believe they are retaliating against me and causing me harm and treating me poorly and unfairly. I dont understand why the dispute has been ongoing for over 6 months.
Product: Credit card or prepaid card

I have a citi simplicity card. I pay my balance in full but was still charged interest XXXX when calling the company they said they charged the interest every circle???
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business Buy and Sell item since XX/XX/2022. My PayPall account : XXXX has stocked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate and unresolved credit reporting issues related to my XXXX account, as shown in the attached documentation. The account was closed in good standing, and XXXX no longer reflects any debt accurately reflects status. However, XXXX and TransUnion continue to report incorrect information. This issue originated during the COVID-19 pandemic when I experienced financial challenges due to the economic impact of the crisis. As a result, I encountered late payments on my account during XXXX and XXXX. However, these late payments were supposed to be protected under the CARES Act provisions, which offer protection for consumers impacted by COVID-19. Additionally, I have disputed this inaccurate information more than 10 times with both TransUnion and XXXX since XX/XX/XXXX, but each time, my disputes have been returned without any changes. The reporting by TransUnion and XXXX is clearly inconsistent with that of XXXX, which reflects the account as paid and closed with no late payments. 
The following are the key inaccuracies on the TransUnion and XXXX reports : 1. Dispute history : The account has been in dispute for over 10 months, yet no meaningful investigation or corrections have been made. 

2.Inconsistent account status : XXXX reflects accurate information, while TransUnion and XXXX do not. 

Violations of the FCRA and TILA According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate reporting of credit information, and furnishers of credit data have a legal obligation to investigate and correct inaccuracies once they are brought to their attention. TransUnion and XXXX 's failure to correct these inaccuracies violates my rights under the FCRA. Moreover, under the Truth in Lending Act ( TILA ), creditors must provide accurate information regarding payment histories and account statuses. 
This failure to correct the payment history is a violation of TILAs provisions on accurate reporting and disclosure. 
Requested Actions I respectfully request that the CFPB : 1. Investigate TransUnion and XXXX failure to correct the disputed information on my credit report. 
2. Ensure removed from both the TransUnion and XXXX credit reports to reflect the accurate status of the account, as shown by XXXX no debt. 

1. Take enforcement action against TransUnion and XXXX if they continue to fail to comply with their obligations under FCRA and TILA. 

I have attached a screenshot of my credit report for your reference, highlighting the discrepancies between the reporting agencies. 



I trust that you will handle this matter with the urgency it deserves. Thank you for your time and attention. Please feel free to contact me should you require any further information or clarification
Product: Money transfer, virtual currency, or money service

Getting married XX/XX/2022 at XXXX XXXX in XXXX, MI. Was working with my event planner at XXXX XXXX and discussing final payment of Venue. This was all done via email. Her email address is XXXX. I told her I would be sending a certified check. Later in the day, I received an email from what appeared to be her with wiring instructions. I didnt think this was odd as I wired my initial deposit to her. I went to bank the next day and made the final payment of {$39000.00}. XXXX mentioned no receipt of funds. When looking at things further the email that sent me wiring instructions was XXXX. The XXXX  was from the hacker. Bad guy got my entire savings for wedding. And now Im scrambling to make sure I still can have a wedding.
Product: Checking or savings account

To whom it may concern, This was about 2 year ago when I open an account with BOA. I was returning due to i received and offer for returning customers. You could get XXXX dollars for opening and account. 

I called their customer service on a Thursday or Friday. The representative took my information over the phone. I transferred XXXX from the other bank. 

So, I set up all my bill pay and notified my bank that I will be going to another bank. I woke up on Saturday morning and I tried accessing my online bill pay. I call the customer service only to be told my account was closed. They gave me the risk number only to be told BOA could close the account without notice. I didn't do anything illegal and the funds would be direct deposited from my employer. They told me I would be banned for life. I have been with BOA since 1991. If I haven done anything illegal why am I being banned? I work every day and a law abiding citizen.
Product: Checking or savings account

A {$4000.00} checking account bonus was due to be paid to me by XX/XX/2021. 
XXXX Opened complaint through email with local banker XXXX XXXX XXXX Received acknowledgement for investigation XXXX XXXX Emailed XXXX, stated she would send in a 2nd request XXXX Emailed XXXX, asked if there was a phone number I could call, given XXXX. 
XXXX Called XXXX, spoke with XXXX XXXX Stated she would investigate and give me a call the next morning. She mentioned the promotions department is overseas and doesn't respond until overnight and she provided her direct number XXXX. 
XXXX XXXX called me, stated the {$4000.00} is pending approval but the approver is out of the office.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.