23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Wells Fargo dealer services are ripping people off. My interest rate is 4.9 % Wells Fargo charge me a daily interest of {$5.00} per day unless my monthly payment is paid before my monthly payment due date ... ..of course that 's what I was told by representative so I 'm trying to figure out why am I still being charged {$5.00} per day when I make big large payments of {$3700.00} and this company still charge me daily fees of {$5.00}. I should not have to pay daily fees of {$5.00} if I 'm making 5 additional payments in advance of my monthly car payments due dates. Someone needs to seriously look into this because I 'm sure if they 're getting over on the mortgage loans they 're getting over on the car loans as well they already have outstanding lawsuits for ripping people off for over charged fees. And I called them and asked them could I get refinance months ago to get a lower car payment and a Wells Fargo representative told me that they do not refinance to people in Arkansas how is that when they give loans to people in Arkansas if you ask me I think that 's a redlining lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( TransUnion, XXXX and XXXX ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( TransUnion and XXXX ) responded by saying that they called the loan servicer ( XXXX ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with XXXX. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. XXXX said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to XXXX within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and XXXX to corroborate my information should I need to tag legal action. XXXX admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. XXXX has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.
Product: Credit reporting or other personal consumer reports

I called capital one on XX/XX/year>, stating that I lost my job and was out of work for XXXX months and missed my credit card payments. I asked them could they remove? They said they couldnt. 

In accordance with the fair credit reporting act convergent account has validated my rights.
Product: Money transfer, virtual currency, or money service

Hello, XXXX XX/XX/2019 i sent XXXX to XXXX with XXXX Two days after that, I tried to use my debit card and I realize I was negative. 
I checked my account and I realized I was negative. 
I don't know why but XXXX made 2 transactions with XXXX ( XXXX total ) If I want to send XXXX I can just make XXXX transaction not 2. 

I called then and I cancelled the second transaction. And they said will take 5 days do get refund. 

The first XXXX arrived in XXXX, the second transaction they send back to my account, and also they gave me one transaction for FREE because of this problem. 
**Was n't my problem!!!! 

Now ONE MONTH after got my money back I received a e-mail from Transferwise and they said I OWE XXXX, because they sent the refund 2 times. 

I checked my checking account and there just one refund, I sent the screen to then with all the informations and they still want to send my name to the collection without PROVE. 

I have a screen on XX/XX/XXXX I got XXXX witch was " pendent '', and in XX/XX/XXXX finally the XXXX shows again in my account as " available ''. 

Just one time refund not two. Same reference number. They still can't prove it the debit!!! 

Trying to talk with then but they still saying they will send this debt to collection. 

THEY CAN PROVE IT!!! 

I am very upset, I am very honest and this company is very desorganized. 

I don't know what I have to do it, please help me I have all the proves I do not OWE anything and they want to destroy my credit. 

They sent to me on XX/XX/XXXX the money was pending and in XX/XX/XXXX the money got available, same track number was just one deposit not two. They said there was 2 deposits NOT TRUE they cant prove!!!! 

Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am contacting you to request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of identity theft associated with a recent data breach, and these unauthorized items were added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent entries be permanently blocked and deleted from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

While examining my credit report, I came across several billing errors. The reported late payments do not align with my regular payment history. Kindly correct these mistakes and update my account. Thanks!
Product: Debt collection

IQ Data response was all inaccurate. There was no statement made by me and company has failed to abide by the law. I have communicated with this company with every verification. They are acting against my fair credit reporting acts and at this point acting against all laws and my rights. 
This company needs to be investigated. Their response is fraudulent/lies like their claim. They refuse to investigate and just want funds that's not owed to them. They claimed to be a tenant debt but have no court judgment. This company is using their ability to their advantage illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed an alert from my Experian app stating that someone applied for a XXXX XXXX XXXX of some sorts under my current profile. I have no knowledge of this application, nor have I applied myself. Please have this removed at once for I am attempting to purchase a home in the next few months, and I need to make sure my credit is at the most upstanding condition. Please let me know in the near future if there is anything I can do to assist in making sure this doesn't occur in the future. Under 15 U.S.C. 1666 a 2 I am informing you of a billing error and would like this to be removed as soon as possible so that i can avoid further damage to my reputation and credit history. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB MANAGEMENT is reporting a collection account on my credit report from XXXX. This is a fraudulent account, I have never had an account with XXXX. XXXX has removed this account from all three of my credit reports, but NCB MANAGEMENT is still reporting this same account on my XXXX report. They originally blocked the account, but they have re-inserted this account. They never notified me that this account was being put back onto the report. I reached out to the collection agency requesting documentation on this account. Their paperwork was returned back to them because they tried mailing the documents to the fraudulent address that's connected to this account. That's another red flag, the personal information connected to this account is fraudulent. NCB Management still have not provided me any documentation regarding this account
Product: Mortgage

XXXX just took over the servicing of my home loan from XXXX. Previously it was free for me to submit payments by phone or online. XXXX charges a " Special Request Fee '' of {$10.00} for online payment, {$15.00} for pay-by-phone, and {$13.00} for Automated Phone System payment. This will increase my mortgage burden by a minimum of {$3000.00} over the next 25 years. It is free for me to mail them a check, or do automatic withdrawal, but I was previously able to schedule my payment online ... for free, and should be able to continue to do so as my terms should not be affected.
Product: Checking or savings account

Somebody opened a BofA account using my email address. 

On XX/XX/2022 I received an email from Bofa " We're sorry but we're unable to open your Bank of America account ( s ) online .... '' I replied " This is not me! Somebody gave you a fake name and my email address. '' I also forwarded the same email to XXXX with " FRAUD '' in the subject line. 

On XX/XX/2022 I received an email from BofA " Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX '' I again forwarded it to XXXX and stated that I had not opened any account. I received numerous other emails from BofA- INCLUDING ONE THAT STATED THAT THE EMAIL ADDRESS ON THE ACCOUNT HAD BEEN CHANGED - and I again forwarded the emails to XXXX On XX/XX/2022 I received a " verify your email address '' email from BofA and again forwarded the email to XXXX.
Product: Payday loan, title loan, or personal loan

I contact speedy cash about the loan, and told them the monthly payment was to high to pay. The agent was very rude with me.
Product: Debt collection

I have been receiving emails and spam calls from this debt collector for over a year.I don't have the exact date the calls or emails started, but I have records upon records of up to 12 phone calls a day, usually beginning minutes past XXXXXXXX XXXX. Today they called me 12 times. I have an application that blocks the calls but I am still able to see how many times and what time they contacted me. The debt agency is Westlake Portfolio Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I found out of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been corrected. These was the account that need to be corrected on my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2020 Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The complaint, referenced as FTC Complaint Number XXXX, was filed on XX/XX/XXXX. 

Complaint Description : My credit report shows several unauthorized inquiries that were made without my consent. When I contacted the creditors responsible for these inquiries, they confirmed that they have no evidence to show that I initiated the inquiries. Additionally, they could not provide any written or verbal authorization from me to support these actions. 
Given the lack of valid authorization for these inquiries, I formally requested their immediate removal. However, the credit bureau has failed to provide a satisfactory response to my request, prompting me to escalate the matter to the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Closed : XX/XX/XXXX {$8500.00} XXXX - XXXX Closed : XX/XX/XXXX {$5900.00} police report # XXXX
Product: Vehicle loan or lease

i was approved for deferred payments and i still was billed late statements after accepting my payments this happened on 6 occasions please credit my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have Not.
Product: Checking or savings account

In XX/XX/2023 I received a letter from Bank of America Stating they were closing my checking account. I have never done any type of business with this bank. I called them on XX/XX/2023 and started a complaint for the fraudulent opening of an account in my name. I received a bank statement for period of XXXX XXXX XXXX XXXX showing a negative balance of {$290.00}. All transactions showing for this account were done through XXXX. I provided all documentation Bank of America requested and eventually the sent a statement to me showing a XXXX balance. I have been working with my representative through our identity theft protection company to try and resolve this and receive documentation stating that I am not responsible for this fraudulent account but they still have not sent me anything even after stating they would email something to me. We have called them several times and still have not received the documentation.
Product: Mortgage

I have received a letter from XXXX XXXX XXXX XXXX. This company keeps insisting, that I owe them money for unpaid taxes. They said that they paid our taxes and, they want the payment that they made on my behave. I have sent them proof of paid taxes. They insist that they have not received proof. I also sent CFPB proof of XX/XX/XXXXtaxes, which I saw copy before I wrote this complaint. From the beginning of this loan I have been harassed. The first time I received notice, they said I had not given them XX/XX/XXXXdelinquent taxes. I sent them the settlement statement, that at the close of my loan, it shows clearly where they deducted moneys for taxes XX/XX/XXXXdelinquent and XXXX before I ever received my loan. Which I also sent to CFPB. 
They have increased my monthly mortgage from XXXX plus to XXXX. They are saying that I breached our agreement, and I 'm now in default. I pay them monthly electronically, so I won.t default. The letter says I have n't paid XXXX or XX/XX/XXXX, my payments are not being applied to the account, because of these same taxes from the being of this loan. They say have not been paid. 
I 'm not responsible for those taxes, per the settlement statement. The title company XXXX XXXX took those payments, and made them to the tax department. I am sure, that the same thing is going to happen with the XX/XX/XXXXtaxes, being as this has happened, every year since this loan was established.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now XXXX, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or XXXX but it was recently.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX  Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I want to the original contract if my loan provided or this to be removed off my credit profile
Product: Credit card or prepaid card

On XX/XX/XXXX I initiated a balance transfer of {$2500.00} to my Barclaycard account from my XXXX XXXX. According to XXXX XXXX their check was cashed by Barclaycard on XX/XX/XXXX and It is now XX/XX/XXXX. After a call to Barclaycard they state that they can not look up the payment, check number or any other information and it is up to me to provide ETF, routing numbers, check images etc. XXXX XXXX emailed me a letter stating they sent the payment but Barclaycard states that is insufficient I have had the same problem with Barclaycard in the past.
Product: Student loan

XXXX Signature Student Is all owners of XXXXXXXX XXXX XXXX XXXX is Mohela an owner or a sole proprietor? 
and the school that is listed is a school that is no longer opened. I put in XXXX school closet form with XXXX and now Mohela has one submission. No response. 

The code related to school closures on student loans is typically referred to as " Closed School Discharge '' and is found in the federal regulations under 34 CFR 685.214 ; this section outlines the conditions under which a borrower can be relieved of their student loan repayment
Product: Debt collection

Midland Credit Management has failed to delete the account as agreed or has re-reported the alleged debt. According to the original CFPB complaint # XXXX, which was forwarded to the Office of the Comptroller of the Currency, Midland Credit Management on behalf of XXXX  XXXX agreed to delete this account from the credit bureaus. The amount currently being reported is {$580.00} and reflects on XXXX, XXXX, and XXXX reports and shall be deleted as agreed upon receipt of this notice. The last reported date is XX/XX/XXXX and reflects an alleged account open date of XX/XX/XXXX.