23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute an entry on my credit report concerning a student loan that I believe is being reported inaccurately and in violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 

According to my records, I was never informed by my loan servicer about their privacy policies nor was I given the option to opt-out of sharing my private financial information with non-affiliated third parties, as required under the GLBA. This failure to provide proper notice and opt-out options constitutes a violation of my privacy rights, which may have contributed to inaccurate reporting on my credit file. 

Please conduct a thorough investigation into this matter and remove any incorrect information from my credit report that pertains to this student loan. I request a full explanation and verification of the entries in question, as well as confirmation that the necessary steps have been taken to remedy any privacy violations under the GLBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/2021 - XXXX XXXX Company Name XXXX XXXX Hello XXXX, We are regrettably unable to approve your loan application XXXX in the amount of {$27000.00} at this time. Our principal reason ( s ) for this decision are indicated below : Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency. Consumer Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX We appreciate you giving us the opportunity to earn your business and hope that you will consider us in the future They listed XXXX  as to the reason why I was denied the credit of XXXX I have great credit and there are three disputes going on now with XXXX that do not belong on my credit report so I am not sure why I was denied. I was able to secure a loan from another company for XXXX so not quite sure why Southeast Financial rejected me. So I am asking XXXX  as to what information was given to them to deny my request for credit.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to get access to the Experian web site to view my reports and validate that my credit is locked. But I've been having issues with their 2-factor login. 

When they say they are sending me a code SMS or trying to call me. I don't get the code or the call. So I can't get past this and don't get access to my information. 

I use these methods with all of my other financial account and the other credit agencies and have not had this issue. 

I've called several of their support numbers and tried all that the automated system tells me to do including creating a new account. 
here are the numbers I've tried calling starting on XX/XX/year>... 
XXXX, XXXX, XXXX, XXXX, XXXX Each time ending up with the automated assistant with no way to get the technical support needed to get past this problem or to a live person. 

I am also an IT consultant with many years of experience designing and deploying system to consumers so I understand how this works. It should not be this hard to get this issue resolved and if it this frustrating to me I can imaging that most people would have given up by now. They may only care about their business customers but that doesn't help every-day consumers. 

Please contact as needed for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate item. 

This is a new and valid complaint. 

XXXX XXXX XXXX, as you will see from the attached document continues to report this bogus collection with missing data and deceptive collection procedures, even though after the evidence was presented against them they agreed to delete this from my credit report and the date is clear, they reported it again in XX/XX/2022. 

This is mockery yo the collection process, mockery to the consumer protection board, and they have yet to be held accountable for their deceptive trade practices as earlier disputed. 

They continue to report this report illegally and equifax continues to host this report even after the evidence proved they were being deceptive. 

I demand an investigation into the by administration of the consumer board and seek charges against rent recovery for their continued deceptive trade practices. Its illegal, they are breaking the law, defrauding me, and the law is as follows below. 

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX Consumer Protection Law 15 U.S.C. 1681-1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and XXXX XXXX XXXX Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Payday loan, title loan, or personal loan

Wells Fargo was the worst financial institution I ever encountered in my life. For many years I made payments to my loan of XXXX, which I acquired in XXXX, and often only had {$15.00} of principle applied. I could not get any explanation from the bank and could not find out how my principle was being applied. It did not appear to follow a normal amortization table. This kept happening until XXXX when I got a HELOC and paid of the loan balance of {$31000.00}. From XXXX till XXXX I paid {$8100.00} in principle and {$48000.00} in interest. I never received any information from the bank explaining what had happened. I was always getting the run around when trying to contact them.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Debt collection

They are trying to collect on behalf of another company. They called my office and gave them all my personal information to an employeee which is against the law. We advised to cease and desist. I asked to not call my place of employment and they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony XXXX Consumer account reporting XX/XX/XXXX covered under Covid 19 plan no payment due and XX/XX/XXXX reported late inaccurately when they received a removal of account payment for waiving late fee account compromised and refund of ancillary services applied company has repeatedly stated they sent for correction to credit bureaus this occurred from human error and rest assured it would be fixed since such time I have paid in full. 

It also is marked as a secured loan when it was unsecured You already received {$27000.00} from me and I consider you practices to be beyond deceptive and misleading to say the least
Product: Mortgage

I have a mortgage with Wells Fargo for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XX/XX/XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. <P/>I have been paying consistently on this loan and expected that it would be satisfied in XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XX/XX/XXXX. <P/>At the time of the loan origination Wells Fargo had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. <P/>I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. <P/>I have issued complaints to both parties. Wells Fargo does not acknowledge any ownership in this. They believe XXXX XXXX is at fault. XXXX XXXX does not respond to the complaints. Wells Fargo has since severed their contractual relationship with XXXX XXXX which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/>Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. <P/>CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads XX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX and XXXX , XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} XXXXXXXX in fees to consumers and pay a {$5.00} XXXXXXXX civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. Deceptive advertising has no place in the financial marketplace, said CFPB Director Richard Cordray. Todays action is delivering relief for consumers deceived by XXXX and XXXX, and sending a clear message that these practices will not be tolerated. <P/>I will continue to file complaints until one or both of these parties provide the information that I am entitled to. <P/>XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX in XXXX WA sent a letter to my son regarding a bill due. The procedure was done when he was XXXX years old so I was the responsible party. The bill was paid XXXX 2016.
When I called they refused to talk with me because he is over XXXX- he was n't when the bill was created and due. They want him to call them and, because I do n't trust them, I do n't want him to call and then be harassed.
After attempting to speak with 2 first line agents, I talked to a supervisor and he said he will send it to dispute and that I can not do anything else.
I will have proof of payment by mail from the XXXX  center, XXXX XXXX XXXX, this week.
They were horrible to talk to, my son should not have to talk with anyone and this bill is false. They are using it to fraudulently get money for something that has been paid.
What can I do? XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

On XXXX, XX/XX/year> a female representative from the California Bank & Trust called me to say that their initial review of our request for a copy of statements was denied. She said that our power of attorney ( POA ) could not be honored due to the checking account has a joint account-holder. However, my elderly brother never gave-up his right to a statement copy after he added a joint person on his account. 
Later on XX/XX/year>, we sent a written letter with our POA via Priority Mail. The envelope included a copy of our durable power-of-attorney. We have not received any response yet. The letters were sent to XXXX address : ( 1 ) Zions Bancorporation, XXXX California Bank & Trust XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX and XXXX XXXX ) to Calfifornia Bank & Trust XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 
We are entitled to a copy of the bank statements or at least a written explanation from a higher level leader or bank officer as to what is needed to change the address and issue the bank statement. We are concerned that Zions Bancorp, XXXX. is in not acting in line with CFPB 's proposed rule under Section 1033 to make data available to their consumers because they have so far refused to send a copy of the bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX  ; and filed disputes with Transunion and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was included in my bankruptcy, Docket # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.
Product: Checking or savings account

Caliber Home Loans charged my bank account {$1600.00} and I do not have an account with them. My bank ( XXXX ) is now holding the money until it is no longer pending. They would not tell me if the customer used my name also along with my bank account number, which is basically protecting a criminal or themselves for a mistake. I think they should be looked into for allowing criminal activity or negligence with large sums of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They said amount is XXXX for a service on XX/XX/2020. I need proof this is me and they never sent it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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
Product: Mortgage

This is the company LOAN CARE THEY make it impossible to pay your loan by phone or on line. 
The sign in does not work it says I have the wrong username and I DO NOT. 
The recording on their phone is about 15 minutes long and never puts you thru to anyone when I push the prompts. 
Also It never allows me to pay by phone just goes into another recording that lasts forever about XXXX I dont need to know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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 a account without my written instructions. The following Account ( s ) : Debt collector : XXXX XXXX XXXX Collection amount : {$1000.00} Acct # XXXX