23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Wells Fargo Student Loans : I am a recent college graduate paying back student loans. I have XXXX in total all different lenders. Wells Fargo does NOT work with you. I have been late on my payments due to not being able to afford paying back my student loans at times. 

Issue causing distress : * Wells Fargo immediately reports a late payment to the credit company if you are a day late with payment ( other student loans do not do this you have a 30 day grace period before they report it to credit ) *I will call in and tell them I ca n't make my due date but can make the payment the next day and still get a late payment sent to my credit. 
* On top of the late payments being sent to credit if you are past your due date they will call you 10+ times a day every day ... even if you answer the phone to tell them to notate your account that a payment will be made on a given day they say " this will not stop the calls '' and the calls continue to happen until the payment is made. They will also call your Co-Signer and your Co-Signer will get the 10+ calls a day ... my grandma can attest to this. 
*I had also requested an automatic payment form to be sent to me at least a dozen times before I was adamant to stay on the phone with a rep until it was received in my inbox so I can fill out and send back ... 

I do n't believe Wells Fargo is fair with their lending. Student Loans should not affect your future. Lenders should be willing to work with you they should be for your future and not against it because they want to make a {$.00} I do n't believe it 's right for a student loan company 's ( this one in particular ) to report a late payment to the credit company a day after their missed due date just to affect their credit more when they are trying to work with the lender to make their payments. They should have a grace period like other student loan lenders. It sets students up for failure in the future when it comes to applying for homes or other things that matter in life ... it 's hard enough that we have to go to college pay {$50000.00} + to graduate and have to re-pay that back right away job or not and not have a lender work with you on payments.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX  aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I am a victim of identity theft and you have a FTC affidavit/police report that you submitted to the Credit Bureau but they refused to remove the fraudulent accounts. '' I have no knowledge of the accounts and requested the bureaus provide you with information regarding their decision and they are violating your consumer rights by refusing to provide you with proof
Product: Checking or savings account

On XX/XX/year> I received money from a XXXX  account from my mom. Capital One flagged the transaction and closed my account. they stated that they returned the funds to the originator which they did on XX/XX/year>. But Capital one turned around and sent a " Hold Harmless Letter '' requesting the funds to be returned to capital one. XXXX returned the funds to capital one but now capital one is not responding on it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my XXXX score had dropped 30 points!! I panicked and immediately called XXXX and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that JCPenney had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to JCPenney directly. Still to this day my XXXX credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! JC Penney has launched investigations and claim that there 's nothing more  that they can do. That XXXX is just reporting the information inaccurately. And XXXX claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told XXXX this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at JCPenney ever again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX account has been paid in full got letters for the institution verifying account paid in full they keep on reporting it on my report ask for the original contract,
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I RECEIVED A CREDIT INQUIRE FROM XXXX FORD IN XXXX GA AND FORD MOTOR CREDIT THE SAME DAY, I IMMEDIATELY CALLED THE FORD DEALER IN XXXX GA ( XXXX  FORD ) AND THE LOCAL POLICE IN THE AREA AND TOLD THEM IT WASN'T ME THERE BUYING THIS CAR OR TRUCK, XXXX FORD REPLIED SAYING, WELL SOMEONE IS HERE WITH A ID WITH YOUR INFORMATION ON IT AND THE SELL WILL GO THROUGH. I THEN CONTACTED THE FRAUD DEPARTMENT AT XXXX IN XXXX TEXAS AND THEY IMMEDIATELY REMOVED THE INQUIRES AND SENT A MESSAGE TO FORD CREDIT SAYING THIS INQUIRE WAS FRAUD. ON XX/XX/XXXX ACCOUNT FROM FORD CREDIT WAS PLACED ON MY PERSONAL CREDIT FILE BY FORD SAYING I BORROWED XXXX FROM THEM, I CONTACTED FORD CREDIT FRAUD TEAM AND FILED OUT ALL THE PAPERWORK THEY SENT ME AND THEY SAID I WILL NOT BE RESPONSIBLE FOR THIS LOAN AND THE OTHERS. I ASKED WHAT OTHERS! XXXX XXXX AT FORD SAID THERE IS 3 OTHER LOANS IN YOUR NAME AS WELL AND ILL MARK THEM AS FORD TOO. I CONTACTED XXXX  FRAUD DEPARTMENT AND UPLOADED ALL MY DOCUMENTS CONCERNING THIS FORD ACCOUNT AND THEY IMMEDIATELY BLOCKED THIS ACCOUNT AND FORD WAS OK WITH IT, NOW 5 MO LATER THE BLOCK IS REMOVED AND THERES TWO FRAUD ACCOUNTS FROM FORD CREDIT SHOWING UP ONLY ON MY XXXX  FILE. I HONESTLY LOSING EVERYTHING I/VE WORKED HARD FOR DUE TO THIS. XXXX XXXX XXXX IS CALLING ALL LOANS IN AND MY CREDIT CARD COMPANY HAS GIVEN ME 4 BUSINESS DAYS TO HAVE IT REMOVED OR THEIR CANCELING MY ACCOUNTS. ALL OVER FRAUD ACCOUNTS. I WORKED FOR THE FTC AND XXXX CONSUMER AFFAIRS AND THIS IS ACTUALLY CRAZY WHAT XXXX IS LETTING THEM DO TO ME. I WILL CONTACT MY ATTORNEYS TO FILE SUITS AGAINST XXXX  DATA AND FORD CREDIT. XXXX TOLD ME THEY HAVE THE RIGHT TO UNBLOCK THIS ACCOUNT WITHIN 30DAYS FROM THE TIME IT WAS BLOCKED, BOY NOT 5 MOS. FORD CREDIT WILL NOT SHOW ME ANY DOCUMENTS NOR XXXX DATA WANT EITHER, BY THE END OF THE DAY I WILL FILE LEGAL ACTION AGAINST XXXX IN XXXX TX. I WENT TO SCHOOL AT XXXX UNDER XXXX XXXX XXXX XXXX AND CLEARLY XXXX CANT DO THIS. THERE HAS BEEN OVER 9 ACCOUNTS OPENED IN MY NAME SINCE XXXX WITH FORD CREDIT, ALL FRAUD! MY EX WIFE XXXX XXXX XXXX WORKS FOR FORD CREDIT IN THE DEALER LOAN DEPARTMENT AND XXXX XXXX XXXX IS THE ONE THAT ALWAYS APPROVES THE LOANS. XXXX DATA BLOCKED THE ACCOUNTS 2 DAYS AFTER I DISPUTED THEM AND NOW 5 MO LATER THE UNBLOCK THEM, FTC SAYS THEY CANT DO THIS. I WILL TAKE THIS TO THE TOP IF NEEDED, IM LOSING EVERYTHING I OWN NOW BECAUSE OF XXXX.
Product: Credit reporting

Transunion is reporting incorrect information on my credit report. I have disputed this information several times. I was informed that transunion needs 30 days to verify or delete the incorrect information. I keep receiving letters in the mail from transunion stating they need an additional 15 days. According to legal advice if the company does not respond to them the item is to be deleted from my report. I keep disputing the following information that is reporting incorrectly : Teachers Federal credit union acct # XXXX is reporting twice as " Discharged through chapter XXXX bankruptcy '' This totally false and incorrect as I never filed for chapter XXXX bankruptcy. The next item is XXXX ... ..this account was PAID in full 2 years ago ... .I have written letters/contacted XXXX ( which is no longer in business ) so I contacted the collection agency they sent me to. I should have never been put in collection to begin with as this debt was paid in full. ( The collection agency had agreed to remove this debt as it was verified through whom I do no know as I mentioned earlier XXXX is no longer in business ). It has been agreed it will be removed from my report. ( Upon checking my credit report again today it is still reporting ). Capital accounts is the next item that was to be removed off my report. I had contacted capital accounts and it was verified it was to be deleted. This account was deleted from another credit reporting agency but not yet from Transunion. I keep disputing this information and it just remains the same which is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. I am submitting this complaint as I have spent hours and days trying to resolve this. I am also complaining about transunion as to the fact when I call them I am told that my report is being held under another department. ( Fraud dept ) ... ..I get transferred to speak to a human in the fraud dept and all I receive is an answering machine. I 've sent proof to transunion and the mail is returned to me. I am complaining about this credit reporting company as it is getting very fustrating in trying to correct this wrong information.
Product: Debt collection

On XX/XX/XXXX a letter was sent to me from Midland Credit Management claiming that I owed {$500.00} for a a XXXX XXXX  XXXX XXXX 's account. Per the FCRA, I should have had 30 days to dispute these claims but the letter gave me until XX/XX/XXXX, however didn't even receive the letter until after that date. I sent in my dispute and it was received within 30 days of the date of the original letter on XX/XX/XXXX. I included tracking and signature required on the dispute letter to Midland Credit Management. And the proof of delivery on XXXX 's website, states it was delivered to their mailroom and signed for in XX/XX/XXXX. I did not hear back from Midland Credit Management regarding the dispute and none of the information I requested was received. The only thing I have received from Midland Credit Management was another debt collection letter dated XX/XX/XXXX. From the date my dispute letter was received by Midland a credit Management XX/XX/XXXX to the date I received my next credit collection letter ( not verifying the debt ) on XX/XX/XXXX. that is 55 days. The FCRA says that if a debt can not be verified in 30 days then all collection activity must stop until it is verified. Midland Credit Management violated my rights by sending a second collection notice on XX/XX/XXXX without first verifying and responding to my dispute on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report Ive notice there has been a car loan taken out in my name. Ive made a police report immediately because I didnt give any permission.
Product: Credit reporting

I am a XXXX citizen retired in Florida who has had a XXXX score of over XXXX for many years. 
I learned via my XXXX card that my XXXX score was XXXX, a dramatic drop of over XXXX points from my XXXX score of XXXX! 
Since I use automatic payments to pay my bills, I explained to the XXXX staff that the only relevant item I could think of was the recent increase in its credit line. While I appreciated that confidence in my financial strength, I did not request such increase since I pay my credit cards in full each month.. 
It is not clear to me what data was used to cause this dramatic XXXX decrease ; that is why I decided to write to your agency for your assistance in determining the facts. 
Let me conclude with noting that if anything, I would believe my score should have gone up since XXXX given the sharp increase in the stock market. 
I thank you in advance for your help in answering my question as to the manner in which my XXXX score was determined.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights. 

XXXX XXXX Bankruptcy Reference # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Bank account or service

Equifax has demonstrated an unwillingness to remove fraudulent credit accounts and all fraudulent charges associated with my identity. My identity was stolen in XXXX XXXX and I have been working diligently to have all fraudulent charges and accounts removed from my credit history/score since XXXX XXXX. This is a totally unacceptable result and sub-par business practice on Equifax 's behalf. I have repeatedly called and reached out to Equifax for assistance to have the fraudulent charges expunged but fraudulent charges are still reflected on my credit history as of XXXX/XXXX/XXXX. This appears to be a chronic consistent pattern of unsuccessful results with poor customer service and satisfaction. Nothing gets done on their end ( Equifax ), so nothing gets done .... Very negative experiences attempting to work with Equifax with poor communication. Customers can not submit requested documentation to XXXX fax numbers provided by Equifax. I have attempted to fax information back to Equifax since last week XXXX/XXXX/XXXX but have been unsuccessful. The errors being on the part of Equifax. The fax numbers provided are not working with busy signals and no connection. No immediate alternate option was provided to correspond with Equifax other than by regular mail. No email address was provided to submit documentation needed to assist immediate consumer issues. XXXX and XXXX have removed all fraudulent charges from my credit history but Equifax has not done so. This must be corrected at once. I respectfully request an immediate investigation into Equifax business practices. The ineptitude exhibited from Equifax in overwhelming and customers are suffering as a result of their indifference to perform the job. Please assist asap. Thank you.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for these accounts : XXXX XXXX & XXXX, XXXX. XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern, My name is XXXX XXXX and on Saturday, XX/XX/2021 - I woke up to several notifications that my CashApp account had authorized multiple transactions to various people that I did NOT know and did NOT authorize. I promptly called my bank to inquire about what to do and to cancel my debit card immediately. 

The scammers attempted to send upwards of {$1200.00} but only {$300.00} went though because I only had enough funds in my account for that amount to go through. I realize that it looks like I authorized the transaction, but I did NOT. Someone hacked into MY CashApp account and sent themselves money. I emailed Cash App Support on XX/XX/2021 and received a response from " XXXX '' on XX/XX/2021. I filed a complaint to dispute the charges and gave them the names of the three individuals who were sent money from " me '' because clearly they were part of a larger scam and needed to be banned or have their account suspended. The next day, XX/XX/2021, someone from CashApp named XXXX informed me that there was nothing that they could do to get my money back. I have since closed my CashApp account and deleted the app. I changed EVERY password to prevent something like this from happening again. I am in the process of reporting CashApp to the XXXX XXXX XXXX.

I am sad and frustrated that CashApp allowed this security breach to happen and failed to help me whatsoever. I am a graduate student in a clinical psychology program and am already under a significant amount of financial stress. I can not emphasize enough how I DID NOT AUTHORIZE THE PAYMENTS. I was asleep and woke up to my worst nightmare. Please let me know what you need from me so we can resolve this. 

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

I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}