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

On XX/XX/2021 I called Fifth Third Bank and spoke with the disputes department to file a dispute from a transaction that occurred on XX/XX/2021 from XXXX in the amount of {$25.00}. I spoke with a manager named XXXX. The {$25.00} was withdrawn from XXXX XXXX XXXX XXXX  It was an account attempted to be opened online. The account was never opened as I did not reside in their footprint service area. I called XXXX as well. They advised that a check was mailed to me on XX/XX/2021 and I did not receieve it. I also learned that there was a clerical error with the address and was sent to an address i never lived at. The Bank confirmed it was not cashed. XXXX advised for me to dispute the amount with Fifth Third, in doing so, the rep at Fifth Third said i have no dispute rights and I am out the {$25.00} until the other bank reimburses me. The other bank advised they wont issue another check. So why should i have to be out {$25.00} because no one wants to accept responsibility for the loss its caused me. I dont know why companies are allowed to just keep other peoples funds and not give them back. Its not right. Banks cant be trusted anymore these days and this is why people choose to stay unbanked for reasons such as this.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$16000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report. On XX/XX/2018, I received a letter stating that the account has been verified as accurate BUT did not send any verification documents proving the late payments were accurate. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
Product: Student loan

Reached out to Aspire loan company because interest rate has changed and yet repayment terms has changed again. I have made 14 years worth of payments however, only being credit for 10 years. Application and contract said 20 years or 220 payments. Lender told me they will not honor two years worth of payments because they were interest only payment. In writing or on the website does it say if you make less then the monthly payment your payment will not count towards your completion of your loan. I am seeking assistance with getting all payments even interest payment recalculated
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report late payments on the account listed as XXXX XXXX. 

XXXX is reporting late payments in the XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are not accurate and can not report XXXX different ways. Furthermore you have provided me with no evidence that proves you did a reasonable investigation into my concerns. Provide me with the documents you used to determine I was indeed late.
Product: Mortgage

I have submitted a complete mortgage modification application based on a material change in my financial circumstances and Wells Fargo Bank acknowledged receipt of my complete mortgage modification packet in XXXX XXXX, however since that time Wells Fargo Bank has not requested any additional documentation or sent out any decision. 
Civil Code section 2923.6 precludes the recordation of a notice of default where the borrower has submitted a " complete '' application for a loan modification on the first deed of trust, while the application is pending, or until the lender gives the borrower a written decision regarding the borrower 's eligibility for the loan modification. This section only applies to a first deed of trust on the borrower 's principal residence. If violated, the statute allows for injunctive relief to postpone a trustee 's sale and allows for a private right of action for damages, including attorneys ' fees, to the prevailing borrower for a violation. 
I have also never been contacted by a single point of contact and Wells Fargo Bank has not explored all foreclosure relief alternatives. Lender Compliance with Civil Code sections 2923.5 BEFORE notice of default can be filed, Civil Code section 2923.5 requires lender to contact borrower in default and " assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. '' Lender must attempt to make contact with " due diligence ''. The due diligence required is set forth in the statute. The CA. Homeowner Bill of Rights also provides that dual tracking protections can also protect homeowners who have been previously denied a modification, if the homeowner documents and submits a " material change in financial circumstances. '' I did submit a material change application with evidence of additional income and yet Wells Fargo has gone intentionally silent to preclude the ability to seek all foreclosure relief alternatives. 
Additionally, I have received XXXX curb appraisals from Wells Fargo Bank, XXXX in the amount of {>= $1,000,000}, and XXXX in the amount of {>= $1,000,000}. On XXXX XXXX, XXXX Wells Fargo sent out a 30 day notice to pay my past due amounts owed, or they would seek foreclosure. 
As a result I have been forced to accept a below appraised value offer on my primary residence in the amount of {>= $1,000,000}. 
Wells Fargo knows that any sale of my home will make any alleged beneficiary whole and yet they choose to foreclosure over the alternative to provide me with the ability to preserve my equity, and still be able to provide the beneficiary with a XXXX repayment, including all alleged arrears. 
I would like the CFPB to investigate this dual tracking issue, lack of due diligence issue, as I would like my SPOC to contact me to explore all foreclosure relief alternatives to avoid foreclosure, and be given more time to sell my home without being forced to seek State Law injunctive relief and Federal reorganization plans.
Product: Student loan

I am filing a formal complaint against Nelnet, my federal student loan servicer, due to a breach of my personal and financial information without my authorization. This violation contradicts FERPA, the Privacy Act of 1974, and other federal regulations that protect student loan borrowers ' confidential information.

When I raised this issue with Nelnet, they deflected responsibility and claimed that the Department of Education owns all loan records, refusing to take corrective action or provide any security assurances regarding my compromised data. Their response was insufficient and dismissive, failing to address the severity of this breach and the risk posed to my financial security. 

I am requesting the CFPB to investigate the following : How my personal and financial data was compromised and whether Nelnet failed to adhere to federal data protection requirements. 
Why Nelnet has refused to provide a resolution or take accountability for the mishandling of my personal information. 
Whether I qualify for a full loan discharge due to this violation. 
Additionally, I am requesting clear next steps for escalating this matter within the Department of Education if Nelnet continues to deflect responsibility. 

This is a serious violation of borrower rights, and I expect a formal response and resolution within the required timeframe.
Product: Debt collection

Customer was never aware of an outstanding balance due as service was brought in by XXXX in error, and yet was canceled the same day. XXXX refer my account to a XXXX XXXX without any notification or mail to correct the debt, instead just put my account in collection. It is disingenuous and appalling to have this level of service without my consent or advice of any balance due, as XXXX agree it was there mistake on the wrong service elected/canceled and there were no balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apex Asset Management sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. Apex initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.
Product: Vehicle loan or lease

On XX/XX/XXXX at approx. XXXX my XXXX XXXX XXXX   was repossessed by XXXX XXXX XXXX XXXX XXXX on the request of ALLY Financial Online - IRepo .

for late payments as follows : ( i ) 1 of {$220.00} and 2 of {$280.00} = {$790.00} ( ii ) Late Charges = {$110.00} and ( iii ) Expenses ( Retaking and Holding said vehicle ) = {$400.00} a total of {$1300.00} which was PAID on XX/XX/XXXX. ( 1 ) After paying the FULL total of {$1300.00} and the Towing company Charges of {$95.00} ( Storage = {$20.00} and Handling fee = {$75.00}. ( NOTE : The Towing Company would not release the vehicle unless it was satisfied that ALL payments were made. I left with my vehicle at approx. XXXX. Ally Auto Financial then sent a bill with a {$240.00} MISCELLANEOUS Charges. When I enquired they told me its from the Towing charges, REMEMBER they already charged me {$400.00} for Retaking and Holding vehicle. ( 2 ) I decided to PAY off the vehicle to avoid any more problems with the bank and on XX/XX/XXXX I called and requested a Pay-Off Quote and was given a quote of {$5100.00} good for Ten ( 10 ) days.I PAID with a XXXX XXXX Cashiers check for $ XXXX.I then went to the USPS Postal Service and mailed the check Certified Priority - Express, Tracking # XXXX XXXX XXXX XXXX . delivered XX/XX/XXXX @ XXXX. ALLY AUTO acknowledges receipt of the check which was posted on XX/XX/XXXX ( Four ( 4 ) days later and well within the Ten ( 10 ) day time limit ). I was told that I would get my car title within Fourteen ( 14 ) business days Confirmation # : XXXX. I then got a bill that I owe {$31.00} MISCELLANEOUS Charges. XX/XX/XXXX I submitted a complaint to the Florida Office of Financial Responsibility ( OFR ) who notified me that they mailed your office a copy of this complaint. I still have NOT heard from ALLY AUTO or received my Title. I believe I was robbed by the bank of the {$240.00} MISCELLANEOUS fees and would like to be reimbursed and given the title to my vehicle. Thanks for taking the time to investigate this request. I have all available documents, if requested.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX - XXXX CITICARDS XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that various attempts were made to ruin my credit for purchasing a vehicle in XXXX and in XXXX. There were about 15 hard inquiries which were not me and I'm trying to have them removed from my credit report as they were fraudulent.
Product: Mortgage

I submitting my complaint against Wells Fargo because I feel as if they are not ever going to assist me in saving my property against foreclosure. I am currently XXXX months behind and was recently declined for a loan modification. Once I received the decline with Wells Fargo, I reached out to a HUD XXXX who advised me to visit a website by the name of https : //www.checkmynpv.com/bnpv-ui/pages/start.xhtml, which I was told is an NPV calculator and imputed the exact numbers used to calculated my NPV. To my surprise, the XXXX calculator came back with a recommended loan modification based on all my information and not a decline like Wells Fargo gave me. I want you to please help me contact Wells Fargo because I do not want to lose my property to foreclosure but just do n't feel like they are going to listen to me. I feel very uncomfortable dealing with them. A few weeks ago my husband called and was treated as if he was committing fraud simply because there was an answer that he was n't able to answer the way the rep at Wells Fargo wanted him to answer. After a XXXX minute conversation, the rep came back to my husband after talking to someone in charge and told him that his explanation was ok. My point here is that Wells Fargo makes everything so difficult and I believe that they are acting in their best interest. I trust that I have a good case because I do not think a government website like the XXXX would make a mistake and provide a recommended approval with all the information that matched Wells Fargo 's decline. I have attached a copy of the recommended approval along with the inputs that Wells Fargo provided to show that everything matches up. In addition, in the past I have tried applying for assistance while I was current on my mortgage and my property was underwater and was also declined. Now that my property has equity, I feel that Wells Fargo is trying to have me foreclose because they can get their money back. They are the investors on my loan from the paperwork that they provided to me. Thank you
Product: Checking or savings account

Hello My name is XXXX XXXX, on XX/XX/2020 Arizona Department of Economic Security gained access to my Bank of America pre-paid debit card. They used that access to take {$2600.00} in funds without permission. I have called Bank of America on several occasions and I have called Arizona Department of Economic Security a total of fifty times in the past seven months. I have gotten no response from DES regarding my issue. I am still receiving unemployment from DES to this day. They have verified who I say I am they just have not given back the funds they stole.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019
Product: Debt collection

This is a debt from at least 5 years ago. Placed with this company in XXXX of 2018. It was owed to XXXX for electricty when I was living in another apartment. I called to day to tell them that I could not afford to pay debt because I am on Social Security XXXX and was on limited income. The person I talked to was very rude demanded I pay, when I told her I was on Social Security, she told me that does not exempt me from paying this collection and that I will continue to be bothered by them, and she hung up Well, I cant pay because I have limited income. And they will never get paid, so what difference is it if the release it now or 20 years from now. Same result. Less frustration on everyones part.
Product: Debt collection

Dear Equifax, On XX/XX/22 I have received your response from my complaint regarding XXXX XXXX account stated that XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, XXXX XXXX, ACCOUNT HISTORY. 
As I mention before this account does not belong to me and I wanted to be removed from my CONSUMER REPORT. I have never do business with XXXX XXXX or any company associated with XXXX XXXX. As I stated before this account is only reported on EQUIFAX not on any other XXXX Credit Bureau Agencies. This is causing my so much stress and I am loosing my mind over this account that is stoping me from getting approved for credit and to moved forward on getting a place to live with my son. 

PLEASE REMOVED XXXX XXXX ACCOUNT XXXX OFF MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

When I was dispute items on my credit report on transunion I saw another SSN on my profile that not mines ended in XXXX and they told me it's no other one on my profile I told it's on the dispute side and asked me to call to dispute I asked to speak with a manger on Saturday XX/XX/22 and he couldn't see the he saw it on another login screen and said he was gon na put in a ticket for maintenance to remove it and escalate to remove two items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That not mines I keep disputing these item and doesnt want to take it off especially when I say another ssn on my report and my name was spelled differently on there as well
Product: Debt collection

The company has asked that I pay a debt for { {$140.00} } & { {$540.00} } from some healthcare centers in CA that I have never heard of! Upon repeated requests for such they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, CMRE keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : Accounts # XXXX & XXXX, ( < -- - YOU ARE ALSO DOUBLE REPORTING THE SAME ACCOUNTS TO MY CREDIT REPORTS NOT ONLY ONCE BUT TWICE!!! ) { {$540.00} } AND Accounts # # XXXX & XXXX { {$140.00} } Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX. XXXX This companies reporting the same debt twice on my XXXX & XXXX credit reports, ( XXXX deleted them due to XXXX   noticing the ILLEGALITY of their reporting and made me aware of the activity and advised me to check my other credit reports! ). They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it. 
I have filed a lawsuit for total damages of {$18000.00} as well as filed a complaint with The XXXX   and The CA State Attorney General 's Office
Product: Credit reporting

There is a 2011 entry on Equifax 's report for me that I disputed in 2011 ... it reared it 's head again yesterday attempting to get power in my newly purchased condo. The collection agency named ( spoke with " XXXX XXXX '' at XXXX ) realizes that the last name of the person responsible for the debt is XXXX ... I am XXXX. I have discovered that Equifax did nothing to get this error removed from my report and they are totally non-responsive about it now. I need help from someone with authority to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.