23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Some one applied for a credit card from saks XXXX Avenue with capital one credit, I did not request for it and its affecting my credit. I need your help pliz
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly 120 plus days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) I have scheduled recurring payments on this account with XXXX XXXX. Payments are taken out on the XXXX day of every month. Attached is a copy of the confirmation of payment from XXXX XXXX Customer Service. These late payments appearing on my credit report are false. I make timely payments and have not missed a payment. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.
Product: Student loan

I am one of the students that was apart of the XXXX v XXXX case, in which my student loans were canceled. I applied for student loan forgiveness and cancelation through the XXXX 's default program. While, the administrators from the Department of Education reviewed my account, the loan went into default. As the loan went into default, I complained for 10 years to the department of Education about the Default Resolution Group, not crediting the account to the correct information on the loan, such as payments made, or even if the loan was even in default. 

I received a few correspondence over the years about how I was defrauded with my loan, and recently I was sent a notice saying that I overpaid the balance of my student loans. 

The Department of Education owes me {$4600.00} -- since my student loans have been canceled and as part of the XXXX XXXX XXXX case ; all voluntary payments should be returned.
Product: Credit card or prepaid card

To whom it may concern, A few days ago I received my American Express monthly bill. The interest rate jumped from 8.49 % to 14.49 % a total of 6 % percentage points.

When I called to see why my rate had been increased the answer was that it was being standardized to current rates. Meantime, I have had this credit card over 32 years an in that time I have only had one or two late payments, which were over 2- 3 years ago. 

When called to make a complaint the agent was someone from XXXX and was just reading off whatever they have instructed him to do. Finally I asked to have me transferred to someone else that could actually help. The second customer service person almost repeated verbatim a similar story and since he could not help I was transferred to a third customer service agent - a person that deals with escalation calls. He was XXXX # XXXX in XXXX XXXX. 
He told me that American Express can do what ever they want to better align their rates in the market place. That is was all legal based on FDIC regulations. 

It seems there is no consideration for longevity with a customer or even good credit practices. I will probably discontinue using this card and just pay off my balance with the 8.49 % rate. XXXX # XXXX in XXXX XXXX told me during the conversation that his own interest rate was raised recently to 15.49 %. He didn't seem to be bothered by this change due to his job with American Express, or at least that is what he said during the phone call. He said that the rates were more aligned with current rates. 
He said he had been employed by Amex for over 30 years. It may be the same time period he had his credit card account.

This leads me to believe that they have raised rates on a lot of their long time customers and I'm sure many they are not very happy with this change. They may feel the same way I did that our long standing business with American Express really does not have any weight. Greed has the utmost importance at this point. 

XXXX mentioned that I had received a letter from American Express with a 30 days notice letting me know of the changes. I was traveling so I didn't see the letter until the same time I received the billing for the month with the change to 14.49 %. I don't think 30 days notice is enough time for anyone to find alternatives if they decide to work on balance transfers or to just come up with a final payment to close out an account. 

I would like to know if there is any other recourse that I or other could take who have been affected by this adverse changes in rates by American Express. 

Look forward to hearing from someone in the CFPB. 

Thank you, XXXX
Product: Mortgage

I am the VICTIM OF PREDATORY LENDING and I'm still SUFFERING from the ramifications of a BAD LOAN 14 years later. I filed a complaint with OCC.GOV as directed by my attorney and the TN Dept of Financial Institutions in XX/XX/XXXX and NOTHING was done. ( See attached ). 
In XX/XX/XXXX, a loan officer for XXXX XXXX XXXX offered me a Commercial Loan to buy a medical office building and he gave me a summary outline of how the loan was going to look. ( Please see attached ).

One paragraph states : " RATE : Fixed at 7.90 % for 5 year term, BASED ON A 20 YEAR REPAYMENT. '' The next line states " Monthly payment : BASED ON A 20 YEAR AMORTIZATION for the {$630000.00} ... '' Five years later in XX/XX/XXXX, the same loan officer called me to inform me that I had a BALLOON LOAN and that the balance of {$600000.00} was due and payable immediately. 
I told him that I had a 20 year loan NOT a balloon loan. I showed him the attached document that said, " BASED ON A 20 YEAR REPAYMENT '' and " BASED ON A 20 YEAR AMORTIZATION. '' Then he said, " But it says, " For 5 year term. '' And I pointed out that that paragraph is entitled " RATE '' and that the RATE was the ONLY thing that paragraph was discussing. According to the way it was written, I had a fixed RATE for 5 years and an UNKNOWN or UNSTATED RATE for the remainder 15 years. The form says in 2 different locations, " BASED ON A 20 YEAR REPAYMENT '' and " BASED ON A 20 YEAR AMORTIZATION. '' If this form was turned in to an English high school teacher or an English college Professor, I'm sure they would agree with me that the way it was written, the loan was for 20 years and had a fixed rate of 7.90 % for 5 years and an unknown or unstated rate for 15 years. This document was SKILLFULLY AND PURPOSEFULLY WRITTEN TO HIDE THE FACT THAT IT WAS A BALLOON LOAN. 
So I ended up having to file Bankruptcy in XX/XX/XXXX because I did NOT have {$600000.00} suddenly at the drop of a dime. Since I had a personal guarantee on the Commercial Loan, my bankruptcy attorney advised me to file for personal bankruptcy instead of a business bankruptcy. When I filed for personal bankruptcy, I had to include all of my bills, including my mortgage. 
In XX/XX/XXXX, the bankruptcy court Confirmed my Bankruptcy Plan which included paying a REDUCED amount on my mortgage from {$6200.00} per month to {$5100.00} per month. Now Seven ( 7 ) years later, the mortgage company has filed a Notice of Default because they said that I was supposed to have paid the ORIGINAL {$6200.00} per month all of these 7 YEARS and NOT the reduced amount ordered by the court. I only filed for bankruptcy because of a BALLOON loan that I was NOT AWARE of after being the VICTIM OF LIES AND PREDATORY LENDING by XXXX XXXX XXXX. My mortgage was CURRENT and ON-TIME at the time of filing. I only paid the REDUCED rate because I was INSTRUCTED to do so by the court! Now I'm being told 7 YEAR LATER that I should have paid the ORIGINAL AMOUNT that I had been paying BEFORE the bankruptcy!!!
Product: Mortgage

I had a mortgage with Wells Fargo that I was struggling to pay the mortgage and tried repeatedly to modify the mortgage and was denied without any just cause. I ended up loosing the home and it got forclosed. 
I see there was a settlement for the victims and am curious if I qualify for that fund. 
Wells Fargo recently sent me a check for {$200.00} and said during the modification there might have been errors and the money was for the trouble. 
That seems like a horrible resolution for loosing my home with probally has increase in value by a XXXX dollars since it was forclosed upon.
Product: Vehicle loan or lease

I want out of my loan my car was stolen twice due to the lack of engineering of Kia and I have paid so much out of pocket and still trying to pay my loan to current. I also have a house hold to take care of and want out of my loan. I have called Kia and told them this matter and they offer no help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX XXXX  - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 4. XXXX  Fed Loan Servicing - Dates Do not match XXXX, balance incorrect 5. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXX XXXX XXXX XXXX, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 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 accordance with fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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 an account without my written instructions.

15 U.S.C 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.
Product: Mortgage

I have more than 1 time tried to get a modification of my mortgage with my servicing company CHFA. 

in XX/XX/XXXX my house caught fire. it did major damage. I fell behind on my payments, I called for a modification. Sent in the documents and it took 6 months for them to review ( I have emails ), I finally got a forbearance of 6 months in which they were to then modify my loan, they did not because I reinstated instead.

In XX/XX/XXXX I started to fall behind again due to reduction of income. I tried to modify again and again this took 6 months for them to review, again. I filed a complaint with the CFBP and CHFA stated they were within time line ( I have emails to prove they were not and when they received the last documents ). by the time they provided the Modification in XX/XX/XXXX, I was going to take the modification, but then I found out that I was getting a settlement for a lawsuit I had and decided to reinstate the loan, this was reinstated in full on XX/XX/XXXX. 

I have been struggling due to the LOSS draft on the file, CHFA actually does not communicate with their other internal departments and so they sent a property preservation company to my house who in returned caused damage and stole items off my property. I signed a waiver after a small settlement for this claim only. 

They have since entered my house 2 other times still causing damage to the house, this time they are refusing to cover the stolen items and damage. I also called the police who in fact verified that CHFA had this company enter my home ( I have emails that state the house is not vacant, I have verbally told them this on the phone as well and the calls are recorded.

I recently have had to file BK because of this. I have attempted to try again for a modification and found out today they denied me for these reasons : 1 ) NOT HAVING SUFFICIENT RESOURCES TO REINSTATE THE MORTGAGE, 2 ) HAVING HAD A MODIFICATION AND A BROKEN PROMIS PLAN, 3 ) BEING MORE THAN 12 MONTHS DELIQUENT.

These are not valid denial reasons. I work for a loan servicing company. I work with FHA I know that they did not send the file to FHA because I called them today.

The broken promise plan is because I REINSTED THE LOAN, I have the receipt to prove this.

I believe CHFA only wants to take my home and nothing else. 
I am almost done with the remodeling of the home. I have had to extend my own personal money to pay for these repairs because the insurance company refused.

CHFA 's reasons to deny my modification are unwarranted. I want to see what they sent to FHA to review, because I do know that my loan qualifies for the a Flex MOD. the prior modification they speak of do not qualify as I reinstated my loan a year ago.
Product: Vehicle loan or lease

I have contacted Hyundai Motor Finance regarding issues using their online payment system not working since XXXX. I have had to call in to pay payments every month and they want to charge XXXX per month to pay the payment over the phone when I should be able to make it on the website. They refused my payment today and I am tired of the hours spent to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to open a credit card account and it is affecting my credit score.
Product: Debt collection

On XX/XX/2018 while at work, I received two calls from a gentleman at Alpha Recovery Corp in XXXX, CO at work. He also dialed a colleague at my place of work and requested to speak with my manager or supervisor. This gentleman also called my cell phone repeatedly the very same morning. When I finally got to my desk and answered his harassing calls, he would not tell me where he was calling from he simply stated " XXXX '' and was asking me to verify my husband 's information. When he called MY place of business he actually asked for my husband who does not even work here. I asked him kindly to remove my work telephone number from his records, which he did not say he would. I then I asked him to send us documentation of what he was looking for and he said that he would not. I feel as though he had a very argumentative/threatening nature right off the bat and by calling colleagues asking to speak my supervisor and Human Resources for my HUSBAND who does not work here. It's a tactic used to intimidate.
Product: Money transfer, virtual currency, or money service

The US Bank XXXX XXXX chat feature leaks transaction amounts and descriptions to other people, representing a major privacy breach. As of XX/XX/2024, the XXXX XXXX XXXX  consistently displays transactions from other people 's accounts if asked to with prompts like " show me other people 's transactions. '' This works on either the mobile app or the bank 's website.
Product: Credit reporting or other personal consumer reports

The reinsertion of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) into my credit report was executed in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, your agency failed to notify me within five business days of the reinsertion, as required under 15 USC 1681i ( a ) ( 5 ) ( B ). Furthermore, there was no certification of accuracy provided prior to the reinsertion, violating 15 USC 1681i ( a ) ( 5 ) ( C ). These omissions reflect a failure to conduct a reasonable reinvestigation of the disputed information, as mandated by 15 USC 1681i ( a ). Additionally, the reinsertion appears to have occurred without verifying a permissible purpose, contravening 15 USC 1681b ( a ) ( 2 ). These actions collectively fail to uphold the requirement for maximum possible accuracy in reporting, as specified under 15 USC 1681e ( b ). Such noncompliance constitutes both willful and negligent violations of the FCRA under 15 USC 1681n and 1681o. I demand the immediate removal of these accounts from my credit report to rectify these violations. Should you fail to comply with the legal requirements outlined, I will have no alternative but to escalate this matter further, including seeking legal remedies to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have XXXX to remove over 25 hard inquiries, XXXX  to remove over 13 hard inquiries and experian to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.
Product: Debt collection

I have two accounts in collections with Wakefield and associates. Both accounts are old. Wakefield and associates has reported both accounts as new to the credit reporting agency and dropped my credit score by almost 30 points. I monitor my credit closely and receive a notice today that there were two new account was added. This is re-aging and illegal. I called the creditor and they are denying it. It clearly shows on my credit report is a new collection account and this is not the first time they have done it. It has happened at least three times over the last year. Each time it drops my credit score which I am trying desperately to increase.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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. 


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 XXXX
Product: Credit reporting or other personal consumer reports

My letter that I sent to Wells Fargo : Dear Wells Fargo Credit Bureau Dispute Department, Earlier this year I called your customer service to close my account and enter into a payment plan. Wells Fargo agreed to a payment plan, took my banking information ( account and routing number ) and the Wells Fargo customer service team stated they would enroll my account into autopay. 

However, I was notified via a XXXX alert just a month later ( end of XXXX ) that Wells Fargo failed to process my payment and enroll my account into autopay. 

My XXXX report now shows Accounts with Adverse Information with WELLS FARGO CARD SERVICES listed as the account for XX/XX/2024. 

The failure on the part of the customer service at Wells Fargo has negatively impacted my credit as shown in my XXXX  scores provided by XXXX. 

As you can see on my attached report I do not have any account flags besides the error created by Wells Fargo. This XXXX report covers the last seven years. 

Please converse with XXXX and all other credit bureaus to remove adverse/missed payment status. Wells Fargo made it clear that my account would be auto-debited with this new payment plan. I should not have my XXXX score drop XXXX points and have negative remarks on my credit report due to this poor customer service. 

Please provide confirmation that this will be fixed on my XXXX report. It has been disputed with XXXX but I would like to ensure both XXXX and Wells Fargo communicate in order to rectify this. 

I can be reached at ( redacted phone number ) or at ( redacted email ).