23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My bank account is closing my account at Wells Fargo because of faulty checks that I wasnt aware were faulty someone on the Internet scammed me saying that they needed model pictures and theyre going to use me they were going to send me the money first and they sent me a check for XXXX and then a check for {$400.00} and I cash those in and now my bank account is close my account because those checks were faulty. And now the bank returned those checks and now I have a negative of {$350.00} my account that I have to pay back. I dont know what to do I was not aware that the checks were faulty
Product: Mortgage

Seterus Inc refinanced a mortgage without my knowledge or consent. In XX/XX/XXXX they named me as a primary and my ex wife a signer and extended my credit 636 months at {$1200.00}. I had no knowledge of this and signed nothing, I have not owned this property since my divorce in XX/XX/XXXX.  Thank you
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a dispute request to XXXX  regarding late payments and balance inaccuracies that were being reported on my credit report from Navient. Although I sent XXXX  a copy of my credit report highlighting the inaccuracies, XXXX did the investigation and advised the inaccuracies were correct. How is this possible when : FCRA STATES ALL INFORMATION MUST BE ACCURATE. HOW CAN NAVIENT REPORT DIFFERENT BALANCE INFORMATION & SAY ITS CORRECT?? 

On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate. 

On XX/XX/XXXX, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) became law, providing for the above relief measures on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 


Navient reported me late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How could I possibly be late if the FEDERAL GOVERNMENT SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS & INTEREST. 

How could I possibly be 90 days late on any payment if I was NEVER 30, or 60 days late prior or no notice of me being late was ever SENT TO ME. 

NAVIENT WAS SUED IN XXXX What is the Navient lawsuit? 
The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued Navient in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. The California and Mississippi attorneys general filed suits in XXXX and XX/XX/XXXX, respectively. 
Among other things, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. 

So how were you able to verify these inaccurate late payments are correct?? Where is the proof
Product: Checking or savings account

In response to previous CFPB complaint # XXXX. 

Bank responded to complaint with letter outlining possible resolutions, quoted : " To help you release the funds and close your account, the following options are available to you : ... 
- Or send an email to XXXX providing a copy of a bank statement from the financial institution that the opening deposit at Umpqua Bank was funded from. '' I've submitted over supporting documents immediately and the following morning the bank renegades on their word and refuses to honor that option, instead telling me to go into a branch in-person ( which the difficulty of doing so has already been brought up multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXXXXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and Transunion credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my Transunion and XXXX credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on Transunion and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments
Product: Student loan

After I graduated from XXXX in XXXX my payments were supposed to start for my loans. When they told me it was going to be over {$600.00} a month I told them I could not pay that and tried to get it lowered. They told me that wasn't possible and that I would either have to go into forbearance or default. Because I did this and only paid interest my loans have doubled from what I borrowed. They finally worked with me to get my payment lowered in XXXX, only after finding out my parents went through bankruptcy and my mom was the cosigner. So now I have this large amount of student loans because I was not given the correct information that I could work out a payment plan, and now I have to call back every 6 months to get my lowered payments continued. I was willing to pay, just not that amount they quoted and I was told they could not help me. This should be illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from XXXX to XXXX XXXX XXXX. ( The phone number for XXXX is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. XXXX did delete the negative reporting from my XXXX but not from my Transunion or XXXX, to this day they still show negative reporting and show my 5 XXXX to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason XXXX never deleted the collection status from my XXXX and Transunion. They did delete it from my XXXX report but not the XXXX or Transunion as they were supposed to have done. Once my student loans were out of default and reflected a positive status XXXX was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because XXXX has not done this my XXXX and Transunion credit scores are far lower then they should be. This inaccurate reporting is effecting my Transunion and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call XXXX to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to Default Resolution Group they act as if there is nothing they can do
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear CFPB, I am writing to file a formal dispute under 15 U.S.C. 1681o, concerning civil liability for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been violated due to the negligent actions of XXXX, Equifax XXXX XXXX. resulting in inaccurate or incomplete information on my credit report. 

Background of the Issue : On XX/XX/XXXX I discovered new inaccuracies on my credit report, which include incorrect account balances, accounts not belonging to me, or outdated information. 
These inaccuracies have adversely affected my creditworthiness, causing me and my family denial of credit, stress not able to obtain loans and of course emotional distress. 

I have also found incorrect addresses that I never had which I also have to correct. 
Many Charge offs I was unaware of. 

Details of Negligent Noncompliance : XXXX, Equifax XXXX XXXX failed to meet the required standards for accuracy and diligence as stipulated under the FCRA. Specifically : Failure to Maintain Reasonable Procedures : The agency did not implement or follow reasonable procedures to ensure the maximum possible accuracy of the information reported about me. 

Failure to Investigate and Correct Errors : Despite my previous disputes submitted between XX/XX/XXXX until now XX/XX/XXXX the agency failed to conduct a reasonable reinvestigation or correct the errors as required by 15 U.S.C. 1681i. I have not only disputed electronically but also on the phone. Promised follow ups that were never returned.

Negligent Reporting Practices : By providing and maintaining incorrect information, XXXX, Equifax XXXX XXXX acted negligently and caused harm to my financial standing. 

Requested Resolution : To resolve this matter, I respectfully request the following : A thorough reinvestigation of the inaccuracies listed in my credit report, including all supporting evidence provided.

Immediate correction or deletion of all inaccurate information.

Written confirmation of the resolution and an updated credit report reflecting the corrections.

Compensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o.

Supporting Documents : I have attached the following documents to support my dispute : I have attached some of the most recent collections that have shown up recently that are not mine from Equifax, XXXX and XXXX. I separated it by XXXX PDF files. 

Please consider this letter a formal complaint. I expect a response within the timeframe outlined by the FCRA. Failure to comply with the necessary standards may result in further legal action.

Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably and efficiently. Please contact me at your earliest convenience should you require further information. 

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

First it says I opened up an account on XX/XX/2017. I did not. The amount was {$400.00}. I tried disputing it and nothing happened.
Product: Checking or savings account

I was a customer at Wells Fargo for 11 years before the closed my account for no reason. In those 11 years they constantly over charged me and took money out of my account for overdraft fees that their fees made me overdraft and then they charged me for it. This happened over and over over the 11 years. Then when I said I was going to go higher then the branch to get some of my money back they closed my account after they charged me so many fees it put my account in the negative. Its not right what they are doing to people. Because of all the money they took from me I lost my house and had to move in with family. It really did affect my quality of life and I still havent recovered. It would be the right thing to do to give me some kind of compensation for all the years I banked with them and they were stealing my hard earned money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. Barclay Bank had issued a inquiry to my account without my consent. I tried calling Barclay Bank, and they were very unhelpful. They told me i had to call XXXX  to dispute the issue. Okay, so I tried calling XXXX. XXXX told me i had to get Barclay to send me a letter of deletion so that i could then forward it to XXXX, JUST so they can remove the inquiry from my credit report.I tried calling Barclay back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through Barclay Bank and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
Product: Payday loan

I took out a {$700.00} loan with SpotLoan. The interest being charged is much higher than I expected. I had not idea that the interest charges would be as high as they were. It is exuberiant as to the fees they are charging. I belive this is an illegal tribal company and I do not wish to be a part of this. I also ca n't find where I was provided a copy of the loan and do n't see an option to view this in my account.
Product: Checking or savings account

My husband and I can not access any funds in our checking accounts and therefore can't pay bills and credit cards. Capital One said it would be fixed by XX/XX/year> morning, but it still is not functional.
Product: Credit reporting or other personal consumer reports

Dispute of civil liability for negligence and noncompliance ( reference XXXX. XXXX ) Foe accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a wire in the amount of {$5100.00} on XXXX XXXX from my business account with XXXX XXXX to a subcontractors account at Wells Fargo. He never received the funds. After three weeks of tracing the wire. Wells fargo advised the funds where on hold on their side. They requested documentation from my subcontractor which I have provided. It has been over a week and I have placed multiple calls to my bank who then reaches out to wells fargos wire department and they have gotten no where. I recalled the wire a few weeks back and I still dont have my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.
Product: Vehicle loan or lease

I bought a car through XXXX. They use a financing company called XXXX. They had a data leak and now someone named " XXXX XXXX '' is calling me nonstop saying they are XXXX. XXXX uis dealing with a company who has multiple class action lawsuits against them. They chose them. I have been called over XXXX times from XXXX XXXXXXXX XXXX claiming to be XXXX harassing me nonstop from a call center in the XXXX and my data gas been leaked. 

XXXX doesn't care. XXXX is a mess. I have a XXXX and it is causing me to be under such stress it is unreal. 

XXXX should not be doing business with this mess of a company with attorney General complaints and class action lawsuits against it.
Product: Mortgage

I closed on my house XXXX XX/XX/2020. I have not received my escrow check in the amount of XXXX dollars. I was told that two checks was mailed out to me, however I have not received any of the checks but I have received correspondence from freedom mortgage. I have received mail at my address from this company several times yet every time a check is mailed it never gets to me. I have spoken with nine different employees to include three managers supervisors at this company.It has been 75 days and I have not received my escrow refund from selling my house.
Product: Consumer Loan

My recent complaint ending in XXXX was disputed because they referenced an old paid off loan. The loan # in dispute by me is # XXXX. I was not able to " opt out '' of credit life and XXXX on any of my loans prior, even though I 'm an insurance agent myself. This loan is very large now and worth as much as my car itself. Please have them explain my current loan status, not a paid off XXXX from 2014. I understand that the insurance paid by me is purely profit.
Product: Student loan

On XX/XX/04, I filed a complaint with EdFinancial for reporting incorrect information on my credit report. They have inaccurately reported late payments on my account during the XXXX crisis when all student loans were paused, and I was approved for {$0.00} payments due to low income. Despite my efforts to resolve this issue directly with EdFinancial, the incorrect information persists on my credit report, negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 6802 no transactions are permitted. 15 usc 6801 a.b.c no public information, Right to Privacy Act 1978 consumer law protects me. The GLB Act allows me the right to opt out. I did ask for them to remove them and customer service by law they had to report them. I asked to speak to supervisor or manager and was put on hold and call disconnected, I text XXXX of the finance managers and told them the problem.
Product: Debt collection

First, I want to state the the choices you have for description of issue does not really give my exact issue. The issue that I have is that the collection agency never tried to contact me about a bill and instead just marked my credit report as up for collection and delinquent. I found out about this collection by reviewing my credit report. 

Syndicated Office Systems never contacted me about this bill and instead just put it in my credit records that I am up for collection and delinquent, in my credit report I found out about this debt through my FICO score going down and my contacting XXXX. Upon further investigation on my part, I have found that this is a fraudulent bill. Syndicated Office Systems ( the collection agency ) should have contacted me before putting this up for collection and marking my credit as negative. No effort was made on their part what so ever. Through my own investigation, I have found that this bill is for someone else, different name, in another state. I now need to file police reports, contact via certified mail all the credit agencies and take the time off from work to complete all these tasks. Not to mention the money lost from work, but also lost from certified mail postage costs, etc. I feel it is unethical that this collection agency never even attempted to contact me. Now I need to clear up my credit because of Syndicated Office Systems not even putting a ounce of effort into notify me of any bill and giving me the opportunity to get this cleared up before it has gone this far.
Product: Credit card or prepaid card

I told the company I was sick due to XXXX and wanted to schedule a payment. They still closed my credit card due to non-payment but Congress signed the Cares ACT LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX is reporting my mother 's credit information on her XXXX XXXX account with XXXX bank when I am only an " authorized user ''!!!. so far I know of it being reported to Experian only... but I have not checked with the other credit reporting agencies. 

today ( XX/XX/2022 ) i called XXXX bank and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! 

so I went to the bank branch in XXXX XXXX, CA XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! 

I am going to follow up with this complaint filing with a call and letter to XXXX XXXX bank XXXX. to immediately decease from reporting my mother 's XXXX XXXX Bank XXXX account on my credit reports!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about XXXX minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are XXXX other banks on my Experian account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped XXXX other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX XXXX XXXX it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing XXXX thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made XXXX bank loan offers on his own without my permission while I was waiting in the lobby to call me in
Product: Debt collection

They did not contact me for many years after initial complaint. I had filed a complaint 5 years ago as they threatened me the same way, with a debt that they can not prove or that they did not send me the requested information about the debt they say I owed. XXXX  has sold this debt many times, but they have never proved the debt is mine, or sent me requested documentations regarding the debt, which I do not owe. Time and again whenever the sell the debt to a collection the new company sends out the threatening letter to hurt my credit or sue me, this company just threatened to report the debt to a credit agency, and threatened to damage my credit. The debt is not mine, I have not had any contact, other than the collection and have not had an account with XXXX since 2009.