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

1. On the morning of XX/XX/2022, I called Wells Fargo at ( XXXX ) XXXX to make a payment. I thought I completed the process but wanted to confirm. 

2. I called back to the automated system but there was no option to confirm payment, so I pressed XXXX ( XXXX ) for an agent. 

3. The automated system instead transferred me back to the beginning of the automated system.

4. I then pressed XXXX several times for an agent. 

5. The agent in credit card customer service said she would have to transfer me to another department.

6. Instead, she transferred me back to the beginning to the automated system.

7. I pressed XXXX again several times for an agent. Spoke with agent, asked for supervisor. 

8. Supervisor, XXXX, said she needed to get me to other department; said she would stay on line this time until I was with correct department, even just to answer a simple yes or no question regarding whether my payment was pending. She transferred me to " XXXX XXXX. '' 9. XXXX XXXX pulled up my acct. and said she needed to get me to " another department '', YET A THIRD DEPARTMENT. She said she was in the " Front End '' Department ( probably not even the department to which I was supposed to be transferred in the first place, which means that even XXXX the supervisor who stayed on the line for the transfer, failed to help me ). I asked XXXX XXXX for her supervisor. She instead hung up the phone on me. 

10. I called back YET AGAIN. Asked for Supervisor, XXXX XXXX. Asked XXXX XXXX for Tier Three, she placed me on hold and provided phone number for Executive Offices. XXXX transferred me to XXXX. 

11. I spoke with XXXX, XXXX Customer Advocacy Group / Executive Offices, who asked for my credit card #. I said I was afraid to provide the information because then I would just be transferred into an endless loop of being prompted to the beginning of the automated system. She hung up the phone on me without saying anything else. I continued talking without realizing she had hung up the phone.

12. I called back " Executive Offices '' and got XXXX again, asked for her supervisor, she said I don't have anyone to transfer me to. 

13. XXXX admitted hanging up the phone on me without even saying anything, because she said I refused to provide information. I said if I provide the info, will you transfer me to the automated system? She said no, she would not. So, I provided the information and she was finally able to confirm the payment information. 

14. I then began relaying the whole story to XXXX. When I got to the part about her monstrous behavior of hanging up the phone on me the first time, she threatened to do it again. I began chanting " Shame on You! '' She hung up the phone again. 

15. I called back and spoke with XXXX XXXX, Executive Offices. I provided XXXX with details regarding everything that's transpired. 

16. I have spent nearly two hours on this. First call XXXX XXXX CST. Still on phone with XXXX at XXXX XXXX. CST and she is still creating the case. 

17. Case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Havent seen my credit since XXXX of XXXX I call the bureaus trans union XXXX and XXXX and nothing is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I take advantage of XXXX yearly. When I applied for a home loan through XXXX  in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on Experian, XXXX, and two on XXXX. The six on Experian and XXXX were created by XXXX XXXX. The two on XXXX  were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX Balance {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was claim as total lost and they hit me with late payments even after insurance company paid them. They said I have to call the Credit bureau
Product: Credit reporting or other personal consumer reports

XXXX has published and provided information to the credit reporting agencies stating that I have a XXXX XXXX and XXXX bankruptcy on my file from XX/XX/XXXX and XX/XX/XXXX respectively. They stated they received this information from the courts. This is incorrect and Im asking that it is removed immediately as this is a violation of my rights. I have a letter from the bankruptcy court stating that they did not report this information to XXXX or any other credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act PENNYMAC LOAN SERVICES ACCT # XXXX, has violated my rights. 
Under the Cares Act it states, If a consumer was current on payments and made special arrangements ( accomodations ) with the creditor prior to their loan being delinquent, creditors must report the account as current. PennyMac Loan services made special accomodations with me by providing me with a loan modification. While this was processed and approved they reported my loan late for the months of XX/XX/2022 and XX/XX/2022 which according to the laws mentioned above, is illegal and a federal violation as no late payments should have been reported.

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 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 a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been trying to close my UMB checking account. Sent email to the point of contact - no response. Tried chatting with UMB customer service - only chat bots.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a lot of personal information on my report that is not mine. I'm including a copy of the ID Theft Report I filed, My Driver 's license & utility bill as proof of ID & residence. I want any item that does not pertain to me to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against equifax and XXXX i have sent in a dispute letter to both bureaus with no response. Then i also sent in a 30 demand to comply and they still havent responded, and by law they need to remove the inaccuracies from my report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

As per my attorney below, I totally paid off the XXXX XXXX bill. I went to XXXX XXXX and they denied me a new account incorrectly stating that I owed them money. This account is paid in full. See the correspondence from my attorney : " We have been contacted by consumer XXXX XXXX XXXX regarding the above referenced account. A check marked payment in full was accepted and cashed by CCS Collections. A copy is enclosed for your convenience. The cashing of the checks indicted your willingness to accept the amount tendered as full and final payment of XXXX XXXX debt. Please immediately remove any negative comments from XXXX XXXX credit reports as this debt has been satisfied. '' I have included documentation from my attorney stating the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this account on the date of XX/XX/2019. 
XXXX - - XXXX
Product: Debt collection

Husband passed on XX/XX/XXXX Husband had a XXXX  checking account with a line of credit XXXX dollars. 
Before he passed maybe a year before. 
When he passed months later I received a bill from Citibank stating I owed for the line of credit. Fees added up and it came out to XXXX. 
XX/XX/XXXX. XXXX I went in to the branch and paid it off in person hoping to get fees waived but no one helped me with that. They said I had to call another number for that which I did no help at all. 
They said since I already paid it they could not wave any fees. 
My complaint is my husband was the Maine account holder but I paid it anyway. Also since I paid it its still showing in my credit report the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called equifax several times over a 5 month period to get my credit report unlocked because chase bank said it had a report freeze on it so Ive been unsuccessful dealing with equifax, every time i call i get a different answer on XXXX XXXX, 2017 is where I draw the line. First an equifax employee said i have no freeze or lock on my file but when I try to get the bank to pull it they say its still locked, Ive done that a few dozen times! Its a shame that they sell you a service to lock and unlock your credit report could turn out to be the worst decision
Product: Money transfer, virtual currency, or money service

XX/XX/2022 - 4 XXXX transactions were made each for {XXXX}. one transaction of {XXXX} was sent to a close friend without my permission. I received that {XXXX} back from him. The other {XXXX} was sent to an unknown person. 3 separate transactions of {XXXX}. 
XX/XX/2022 - The day I was notified by my friend that he received that amount of {XXXX}. This is when I contacted Wells Fargo. I placed a fraud claim with Wells Fargo. 
XX/XX/2022 - I received a letter from XXXX denying my claim. Stating " We have determined that the transactions were made by you, or someone who had your authorization. '' XX/XX/2022 - I appealed this claim and asked for all investigative information as to why it was denied. 
XX/XX/2022 - I received my Right to documentation Package. All that it includes is " Account login history showing the customer 's geographical location when login was completed, IP address and other identifying electronic device details. '' and the claim denial letter stating " Claim denial was due no evidence supporting unauthorized transactions. '' Wells Fargo has failed to support evidence/ reasons why my claim has been denied. I had no association with the person that received these funds from my account. Wells Fargo took longer than 10 days to investigate and give an answer on this claim. 

I am asking for a refund of the {$XXXX} that was lost.
Product: Credit reporting or other personal consumer reports

Hello, XXXX XXXX  is incorrectly reporting that my 2nd mortgage payments are delinquent for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX through XX/XX/XXXX They are also reporting 'Unknown '' for XX/XX/XXXX and XXXX through XX/XX/XXXX. 

This incorrect reporting is preventing me from qualifying for an auto loan and I need this corrected ASAP.
Product: Student loan

Good Afternoon, I graduated from  XXXX   XXXX  in      XXXX   2 011    . About 6 months to a year afterwards I start receiving calls from a company called  XXXX  ' who at the time I thought was a branch of  XXXX  or  XXXX   XXXX   . I   may  have given them some  XXXX  which led me to call the  XXXX  all to be advised that they were a separate entity.     I need support due to the fact that I never authorized  XXXX   XXXX  to take Private loans out in my name. Nor was I aware that these loans were activated under my name or that they were even private.      XXXX   XXXX  reps filled out our FASFA, only time that I signed papers was to confirm that I was taking classes and to maybe to complete the actual FASFA process.     I would have Never taken out private loans.  XXXX   XXXX  as really messed me over and I need help getting out of this financial rut for choosing the incorrect school that in the end took advantage of me and what sounds like a lot others in the process.
Product: Checking or savings account

On XX/XX/XXXX, I called about a suspicious phone number ( XXXX ) registered on my Premiere Checking account without the ability to change the number myself. It was removed that day. 

On XX/XX/XXXX, I checked my account again to only find this same number listed on my Premiere Checking Account for contact without any ability to change it myself. During a call, I was locked out of my account while logged in online and on the Chase App. After XXXX hours, a representative was able to correct the issue by registering my phone number my account. 

On XX/XX/XXXX, I opened the Chase App to learned that my account was locked due to suspicious activity again. I called and was told that only the Security Team can unlock my account.

It is my firm belief that employees of Chase, via domestic and international, are locking my account and intentionally not sending any account alerts to the phone number registered to my account as provided. This is not the first time I have had the experience of Chase employees changing information on my account and deliberately causing me inconvenience. During a period of XXXX years while litigating a matter in federal court, Chase employees closed my account which contained payment history necessary to assert my claim. Once the matter ended, my account was reopened and is the current account in controversial now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and XXXX XXXX XXXX said they couldn't even find the account. 

This particular one is 6 years old.The account is with XXXX  XXXX XXXX- and they have been reporting it to the credit bureau Equifax as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

Equifax reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Civil Liability for Negligent Non-Compliance ( Section 1681 O ) Dear CFPB, I am writing to formally dispute the following inaccurate information that appears on my credit report. Under Section 1681 O of the Fair Credit Reporting Act ( FCRA ), I am notifying you that there has been a failure to comply with the obligations set forth in the law, specifically related to the handling of my credit report and information. 
The specific information I dispute is as follows : 1. Item/Account Name : XXXXXXXX XXXX XXXXXXXX XXXX 
Account XXXX : XXXX XXXX. Item/Account Name : XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX XXXX  Account XXXX Number : XXXX XXXX. XXXX XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX Number : XXXX XXXX. Item/Account Name : XXXX XXXX Account Number/Reference Number : XXXX Nature of Dispute : inaccurate reporting, incorrect dates, and amounts According to the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of information provided to credit reporting agencies. I believe this information is incorrect and has been reported inaccurately due to fraud, mistaken identity, outdated data, and reporting error. 
As stipulated by Section 1681 O of the FCRA, if a credit reporting agency or furnisher negligently fails to comply with their obligations, they may be held liable for damages. I am requesting that you investigate this dispute within the 30-day period prescribed by the law and take appropriate action to correct or remove the inaccurate information from my report.

If this issue is not resolved in a timely and satisfactory manner, I will pursue all available legal remedies, including but not limited to, seeking civil liability for negligence under Section 1681 O of the FCRA. I trust that this matter will be handled promptly and according to legal requirements. 
Please confirm receipt of this dispute and notify me of the actions you will take to correct the information on my credit report. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I recently missed a payment. I work in XXXX and with the current situation it was simply overlooked. I truly do not understand how this company gets away with NOT calling or emailing or writing to their customers that they missed a payment. Where is the notice that indicates that if the loan is not paid, I would be reported to the Credit bureaus? I can't believe after all this time of trying to do everything right and improve my scores, that HESAA just reports a 30 day late report and destroys my score! Does HESAA really not have any obligation to the customer to put them on notice of a missed payment? I have since paid all of my loan up to date ( these are actually my sons loans but he is currently out of work, not that HESAA cares about what is going on in the world today ) and in fact have paid what is due on XX/XX/XXXX as well. If I had the means, I would pay these loans off today. It's just not that easy with Federal Loans for XXXX children that I put through school as well. But my Federal loans send me notices on a regular basis and they call me too. HESAA has all that information, but they do nothing. The Federal Loans also do not report to the credit bureaus until you are at 90 days past due. They do everything in their power to assist with making sure the payments can be made. I'm not asking HESAA to change their process except I do believe they owe it to those who borrow and have been repaying regularly to at least call, write, email.. do something to put the customer on notice. People are doing what they can to keep up and working in XXXX is Hard these days. I'm sorry I forgot to make a payment. But, why do you have to destroy peoples lives over a missed payment. Have a heart. Please take this notice back. It's not fair! Thank you! Stay safe.
Product: Credit reporting or other personal consumer reports

To my surprise, I woke up this morning to see accounts on my credit report that were completely inaccurate, and I have no clue how they appeared. I check my report regularly, and this time, these discrepancies just popped up. I tried refreshing my browser in case it was a glitch, but it wasnt. The errors stayed there. Im asking that you carefully review the documents Ive sent, so I can finally stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax with the Consumer Financial Protection Bureau ( CFPB ) regarding their failure to respond to my dispute. 
On XXXX, I mailed a dispute letter to Equifax via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was picked up on XX/XX/XXXX. However, to date, I have not received any response from Equifax regarding my dispute. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus such as Equifax are required to investigate consumer disputes within 30 days and provide a response. Equifax 's failure to respond to my dispute within the mandated timeframe constitutes a violation of the FCRA.
Product: Mortgage

I have made daily calls to Mr. Cooper in order to have additional money spent on their mistake - i.e., not honoring/following contractual obligations and paying in full {$2300.00}. They fixed this mistake on XX/XX/XXXX ; however, applied this money to principal and I requested that this be applied to next payment. This seeming was the case, then 2 days before the mortgage was due this was adjusted to XXXX. 

Mr. Cooper also reported that they would apply their penalty of XXXX to my account ; however, this ALSO has yet to be honored in payment activity. 

They consistently move and change the amount due, and they have yet to follow through on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account 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  Has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.