23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

I successfully opened and was approved for a new MyChoice Premium Checking account with M & T Bank on XX/XX/year>. Shortly after, I successfully registered and set up access to Online Banking, and began setting up direct deposit with my employer in preparation for switching my banking to M & T Bank and initiating my first deposit. On XX/XX/year>, after attempting to log into my account, the account details were missing from the online banking portal. I called M & T customer service, and was informed by the representative that my account was closed because my drivers license was not submitted for review. However, this information was provided during the application process. There was no prompt during the process or communication with me to provide any additional information upon account opening. I did not receive any emails, phone calls, letters, or secure messages asking me to submit further information for review. The only information I received was in regards to receiving my new debit card, checkbooks, and setting up online banking. In fact, I was a previous customer so my information was already verified for previous accounts. This account was closed without warning and without cause, and has disrupted my banking. Furthermore, I opened this account with a welcome offer expecting a {$400.00} bonus. Due to the abrupt closure, I am now no longer eligible for this offer for another XXXX  days.
Product: Student loan

I have a XXXX student loan serviced by XXXX since XXXX of 2022. I XXXX XXXX from the XXXX at that time and applied for and received an XXXX XXXX. This strangely only lasted for two months and ended on XX/XX/XXXX. My account then became due without my knowledge. XXXX did not attempt to call me until XX/XX/XXXX. They did not leave a voicemail until XX/XX/XXXX and it was the only one they ever left me. XXXX was not made until XX/XX/XXXX at which time I paid my due in full. They then proceeded to report my account as late to multiple credit bureaus anyways. I have since repeatedly contacted them and they refuse to consider my account as current despite my payment. I believe they were negligent in their duty of care to me as a debtor. Their efforts to contact me were insufficient and have now caused me serious financial harms as my credit has been severally adversely affected.
Product: Mortgage

I would like your asistance to find out why a lender has reinstated an old forclosure case over a debt that shows a XXXX balance on my credit report for both loans. I received a payoff letter for XXXX of the loans.In the past there was a predatory lending case against the lender and I also participated in the XXXX County Chencery Divison Settlement Program. Please help me in resolving this matter. My desire is ensure that no one can reinstate these loans in order to profit from them and to clear my home.
Product: Credit reporting or other personal consumer reports

Please delete these collections from my credit report as these debt collectors have not provided me proper debt validation of the alleged debts with the purchase agreement and have the legal authority to collect on them. 
Absolute Resolutions Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based off your previous investigation from complaint # XXXX with the CFPB. Your alleged findings after contacting the listed sources is that the items were done under my attorney. Please go back and refinance complaint # XXXX to make sure you have all detailed information correct and please supply me with your full and complete investigation findings from each company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote EXPERIAN to dispute an inquiry listed on my personal credit report and I received some excuses why Experian did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018 Certified Mail, and a second copy of all prior disputes mailed on XX/XX/2018. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with Experian did not indicate that the INQUIRY in dispute was ever investigated, the dispute results indicate [ OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ] and this inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no record it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with Experian and two times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked EXPERIAN to remove any non-account holding inquiries and that request was also ignored by their super computer.
Product: Checking or savings account

Was being charged overdraft fees from Navy Federal Credit Union unlawfully
Product: Credit card or prepaid card

To whom it may concern, I had a XXXX  XXXX credit card by synchrony Bank, I bought a scooter {$1200.00}. I send two payments to Synchrony Bank the first money order was on the amount of {$280.00} and the second and last was for {$990.00}. XXXX XXXX call me and said I still have a balance of {$590.00}, I call Synchrony Bank and they told me I dont have any balance on my card to call XXXX XXXX and I did, but they told me to call the Bank XXXX and this is been a nightmare calling back and forth, I have proof the I pay the item I bought from XXXX XXXX, but they still want me to pay again because the bank dint forward the payment to them. The bank got full payment on the credit card, and apparently dint send the money to the XXXX XXXX, I dont work for the bank or for XXXX XXXX, my responsibility is pay my bill as soon as I get it, and I did. Thank you Att : XXXX XXXX
Product: Consumer Loan

This loan violates Arkansas usury law because the interest rate is above the cap.
Product: Debt collection

( XXXX ) XXXX, this phone number which is Navient repeatedly calls every XXXX hours. They have called 6 times today.
Product: Debt collection

Certified mail was received on XXXX by ( debt collector ) requesting validation of debt. They responded with medical records, a DIRECT violation of XXXX regulations. 
Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a XXXX form authorizing access to any such medical records.
Product: Mortgage

This is my third complaint submitted I am requesting my original note and all documentation from  XXXX   XXXX   XXXX  and  XXXX   XXXX  because on my current modification the amount placed on the back end do not match my accounting records.   I sent in a writing request on  XXXX   XXXX , I called  10 times e ach time they say they can not find my paperwork. I then submitted complaints and the company on  XXXX   XXXX  sent me a copy of my current modification. That is not what my complaint is asking for I would like to review original documentation and current modification to show them that there calculation are off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information and will not allow disputes online. Their systems keep saying unavailable or error. When sending them mail, they either don't respond or say the dispute has already been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and seen that I didnt approve nobody check credit and I havent been on website. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont have a amount but its showing in my hard inquiries. Company name is XXXX XXXX
Product: Mortgage

Wells Fargo held the mortgage on two of my homes. They denieD loan modifications, keys in deed of lieu or short sale three times in a row on both properties beginning XX/XX/XXXX through the later part of XXXX. 
One home located at XXXX XXXX XXXX, XXXX XXXX, ca XXXX was foreclosed by Wells Fargo around XX/XX/XXXX. 
The other home located at XXXX XXXX XXXX in XXXX XXXX ca XXXX, Wells Fargo continue to deny all options including short sale. Then in XX/XX/XXXX Wells Fargo sold/transferred the mortgage to XXXX XXXX and XXXX XXXX XXXX whom in turn followed suit with Wells Fargo and denied all options to loan mod, keys in deed of lieu or short sale and proceeded to foreclose on XXXX XXXX. 

So for a SOLID YEAR between Wells Fargo and XXXX XXXX XXXX Servicing the borrower was BLOCKED from any and all pathways to relinquish either of the two properties mentioned above until the lenders saw timing fit for their personal gains at the borrowers expense. 
Wells Fargo and XXXX XXXX did not follow the rules for foreclosure. They kept denying me the borrower any work out or short sale for a year and yet continuing to postpone the foreclosure date and adding additional fees. 

So I was forced to keep both houses in my name, denied a work out plan or short sale and continue to accumulate fees FOR ONE YEAR. This is an EGRIGIOUS ABUSE OF POWER! 

Between on or about XX/XX/XXXX to XX/XX/XXXX Wells Fargo held me tied to this property for over a year, they refused loan mod, they refused keys in deed of lieu, and the denied to allow me to short sale 3 times in a row and in each case Wells Fargo said that I qualified for short sale the relators also were approved for short sale with Wells Fargo. 
Then Wells Fargo sold the property toXXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX. 
Then XXXX XXXX and XXXX XXXX foreclosed on XXXX XXXX Then in the summer of XXXX the house sold. 
I did not receive any of the proceeds from the sale of that house. 
It is clear that the reason I was held in the mortgage was to allow time for the lenders and investors determined how much time would be needed to pad the bill with fees enough to justify keeping all proceeds from the sale of the home and stick it to the borrower for taxes on the sale. 
This is an EGRIGIOUS ABUSE OF POWER!! 
I am requesting a qualified written review and to receive proceeds from the sale of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, Equifax and XXXX. XXXX did remove the liens from my credit file. However, Equifax and XXXX only verified the records.

I've contacted Equifax customer service and was told that they use a third party to obtain and verify
public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my XXXX XXXX information listed on my Equifax report. I received a letter dated XX/XX/XXXX stating the that information was deleted from my record. However, Equifax never updated there system and is still reporting this information as of XX/XX/XXXX. 

I also contacted XXXX customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed. 

I have attached copies of all three tax executions and the letter from XXXX for your review.
Product: Credit card or prepaid card

Check payment made through XXXX XXXX XXXX XXXX XXXX XXXX. Check # XXXX for {$660.00} was mailed on XX/XX/XXXX and cleared from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, but the payment is not posted to my account. My account still shows a balance. Noticing the issue, I made another minimum payment of {$29.00} to avoid the late fee charges. I also contacted XXXX 's customer support, and the agents from the XXXX could not help me. After requesting to transfer to XXXX based customer support they hang up the phone on me. I took a shot and sent an email to resolve the but no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened Wells Fargo credit card in XXXX XXXX XXXX to pay for repairs on my mothers home to replace the HVAC and upgrade the power panel. The charge amount was {$11000.00}. The first statement automatically set a minimum monthly payment amount at {$400.00} and stated the balance must be XXXX at the end of XXXX months to avoid deferred interest. I assumed that Wells Fargo had set the monthly payment amount of {$400.00} to ensure my balance would be XXXX by XXXX XX/XX/XXXX. I followed the banks recommendation for paperless reporting. At this point, I didnt see a need to frequently log in and monitor my accounts status. 

In XXXX XXXX XXXX I had to replace the HVAC in a house utilizing XXXX in XXXX, Va. The salesman suggested I utilize the same Wells Fargo Card with full payment due in XXXX  months. I agreed. An amount of {$7200.00} was charged in XXXX XXXX XXXX and Wells Fargo adjusted my monthly payment to {$630.00}. 

In XXXX XXXX XXXX I compared the Wells Fargo monthly payment to my deadline to be at XXXX balance and realized this monthly payment set by Wells Fargo would not get my balance to zero. I payed {$2000.00} in XXXX and followed one-time payments of {$1000.00} each month thru XXXX XXXX XXXX 

In XXXX XXXX XXXX I logged into the account and was shocked to see my balance owed was over {$10000.00} and had increased over {$4000.00} in XXXX and there was an interest charged the past few months of XXXX and XXXX of about {$130.00} each month. At this point I payed a lump sum of {$5000.00}. Today, XXXX XXXX XXXX I made the final payment over {$4000.00} to get the balance to zero. 

Several issues concerning this account that I would expect of a customer to bank partnership, ( 1 ) The bank should set a monthly payment to ensure the balance reaches XXXX by the required date to avoid deferred interest ( Note : I have had several other 0 % interest accounts where the bank sets this payment to ensure it reaches XXXX balance ), ( 2 ) If this monthly amount isnt maintained, a notification should be sent out via e-mail or text ( similar to a checking overdraft notification ), ( 3 ) At the XXXX  day point before the account should be XXXX, the bank should notify the customer of the date and balance due to allow the customer to arrange to make the payment. ( Note : The {$11000.00} balance being payed at {$400.00} a month, set by Wells Fargo, would only decrease the original balance by {$7200.00} after XXXX  months leaving a balance of {$4200.00} due to avoid deferred interest which most consumers dont have on hand ). ( 4 ) The deferred interest rate being applied of 28.99 % is significantly higher than any bank card interest rate.

I have a long history of banking with Wells Fargo and would appreciate some consideration and adjustment to this penalty applied to this account. Please consider some adjustment to this deferred interest / penalty.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is still reporting an account as an unpaid collection in the amount {$430.00}. The account was paid in full on XX/XX/2022. XXXX and XXXX have deleted the accounts already. I have disputed this directly to Experian multiple times and the have updated it with incorrect information multiple times. Experian is causing me real material harm with this incorrect information. Please help me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues within the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I activated my XXXX phones on XX/XX/XXXX with XXXX XXXX and was promised all kinds of discounts that I never received from XXXX. I was told if I bundle my phones with XXXX XXXX and my existing home phone with wi fi my bill will be the same as I was already paying. That never happened my bill almost tripled what I was paying from the beginning I should have stayed with XXXX XXXX. Since then I had to continuously call for XXXX to correct my bill from being over charged for a watch that was returned and not crediting my account appropriately for the bundle with phones XXXX XXXX and home phone with wi fi. I still never received my XXXX dollar credit that I was supposed to get for a phone that was going to be spread out over two bills beginning in XX/XX/XXXX One of my XXXX XXXX boxes wasn't working for months had to call and get a new box no credit for that. From going to the store and calling on the phone was overwhelming. So now XXXX  has sent my account to collections for a total of XXXX. What happened to my XXXX credit that never happened. This is a dispute I do not owe XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information, and/or means of identification on my consumer report that is knowingly being transferred, and used without lawful authority, with the intent to commit an unlawful activity such as defamation, that i did not authorize, nor was i given FULL DISCLOSURE by the companies mentioned in the identity report. 

SEE ATTACHMENTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN DESTROYED. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX