23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I hope this message finds you well. I am writing to you via email to ensure that our recent conversation is properly documented. Today, I received a call from MOHELA XXXX, during which I spent XXXX minutes discussing my concerns and lack of trust in their organization, particularly in light of a falsified loan document sent from XXXX MOHELA. Regrettably, the conversation was abruptly terminated by the representative, which I find both ridiculous and wholly unacceptable. Such actions do not align with the expected standards of customer service, especially in situations involving potential fraud and financial matters. For the past XXXX months, I've consistently reached out, documenting each attempt but unfortunately, there has been no response or cooperation. They claim to lack my original loan documents, although I've sent them digitally. The loan terms have been altered from $ XXXX over 36 months to an alleged $ XXXX with a XXXX term. Despite involving my legal team, the issue persists. Should I consider contacting the credit bureaus for assistance in this two-month-long ordeal? Here are the loan documents that are my original then the XXXX XXXX they sent me, I also covered up my address and XXXX for my privacy. I kindly request your immediate attention to this matter and appreciate your assistance in addressing these concerns promptly. Sincerely XXXX XXXX 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. 
XXXX XXXX The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to fix this problem but the credit card company doesn't want to fix the problem. XXXXXXXX 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 All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer agcy. can't put thing 's on credit that is 15 USC 1692C 604A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do To State Consumer protection law and the state of emergency my state of Pennsylvania has an New law Called PA Cares Act that prevents and makes it illegal for Furnisher or credit bureaus to report keep and collect negative and adverse action on reports. Violation of this law will result in a further complaint to pa attorney generals office as well as a lawsuit in small claims court in my jurisdiction under the frca and the pa cares act.
Product: Credit card or prepaid card

USAA refuses to send me USAA Policies. Due to XXXX  XXXX  I have NO ACCESS on line with USAA. I requested XX/XX/XXXX Paperwork info on line web provides all others NOT ME, to no avail. I requested again XX/XX/XXXX, no avail. I NEED TO KNOW USAA POLICY TO FOLLOW IT. See attatched XX/XX/XXXX FRAUD CLAIM letter. WOW Temporary Credits must be MADE PERMANET. USAA HAS LIED TO ME FOR 2 YEARS. Telling me the credit reversals were from USAA CREDITS WHEN CREDITS WERE NEVER MADE PERMANET! NO USAA TEMPORARY CREDIT WAS EVER MADE PERMANET so USAA USES TEMPORARY CREDITS TO CREATE PERMANET PURCHASES?? OF CREDIT REVERALS OF ** CREDIT NEVER GIVEN STEALING MERCHANT CREDITS?? COVERING THEIR FRAUD LEAVING CONSUMER LIABLE FOR THE FRAUD?? Attached XX/XX/XXXX USAA statement IS BEGINNING OF FRAUD. Kindly Note THERE ARE NO USAA CREDITS ONLY MERCHANT CREDITS. USAA demands I put all this in writing when they know My Hands Unable to do so taking advanage of my age and XXXX. USAA please accept this as in writing. XX/XX/XXXX Merchant credits {$120.00} & {$210.00} *REVERSED XX/XX/XXXX due to TEMP credits. XX/XX/XXXX Merchant credits {$15.00} {$17.00} {$25.00} * REVERSED XX/XX/XXXX due Temp credits XX/XX/XXXX Merchant credits {$110.00} *REVERSED due Temp credit XX/XX/XXXX XX/XX/XXXX Merchant credits {$12.00} {$26.00} {$9.00} * REVERSED XX/XX/XXXX {$9.00} {$26.00} due Temp credit XX/XX/XXXX Merchant credits {$200.00} {$280.00} {$150.00} {$230.00} {$8.00} {$14.00} = {$910.00} PERM CREDITS and ** CHARGED XXXX OLD FRAUD FROM XX/XX/XXXX Note the ( F ) in ref number cide for fraud. USAA puts KNOWN FRAUD ON AS NEW PURCHASES XX/XX/XXXX {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * REVERSED {$200.00} {$280.00} = Total Reversed {$970.00} USAA IS THE THIEF STEALING EVERYTHING FTC MADE MERCHANTS CREDIT. Note the pattern. Merchant PAYS and USAA TAKES AS THEIRS WHEN THEY NEVER MADE THE TEMP CREDIT PERMANET. USAA STATES ALL CREDITS ARE INTERNAL USAA HIDES THIS. USAA refuses to send policy to explain TEMP BEING MADE PERMANET PURPOSELY. USAA HAS HELD ME LIABLE FOR FRAUD SINCE XXXX XXXX The first time I used this 4 years old card they tell me. USAA IS HOSTILE AND UNCOOPERATIVE.
Product: Credit reporting or other personal consumer reports

I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over 30 days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within 30 days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really stressing me out.
Product: Debt collection

Macy 's Credit Collection department started calling me on a new account that was just established 3 weeks ago. Macy 's started calling my phone on Saturday XX/XX/XXXX and according to them the account today Sunday XX/XX/XXXX is only 8 days past due, so when they started calling me on XX/XX/XXXX the account was only past due by 1 day. 

I opened the account three weeks ago and I pay all my bills on the XXXX of every month or generally the weekend before. Macy 's doesn't know this ; but they are calling me over 12 times per day and the first calls start as early as XXXX XXXX ( as the call on Thursday XX/XX/XXXX ). They are calling with a blocked or unidentified caller id and while that is not against CFPB or Collection regulations ; the FCC suggests that no one answer blocked, unidentified calls or even calls from numbers you do not know who they are because of scamming and bad people. So what about any of these practices are good. 

Macy 's credit collection practices are breaking collection guidelines by calling more than 4 times per day and calling before XXXX XXXX during the week. This morning the calls started at XXXX XXXX according to my caller ID. I want this account paid in full and cancelled and I will never - ever shop at Macy 's again. 

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

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

My mortgage servicer, Arvest Central Mortgage, applied a new {$10.00} " fax fee '' on my most recent statement. There were currently two fax fees on my account, one from XXXX which I recognize and am in the process of paying, and this second one. I called Arvest on XX/XX/XXXX and the person I spoke with said that she could not tell how the fee was incurred and followed up with one of her colleagues. She said that she would call me back with more details. I waited close to 24 hours and called again after no follow up. The second Arvest associate I talked with on today XX/XX/XXXX was able to make contact with a colleague who stated that the fee was applied, simply, " in error '' to a number of accounts. She said that it would be " taken care of '', but was unable to do it on the spot and did not state when it would be taken off my account. 

I am quite concerned, and frankly, upset by this type of predatory behavior by Arvest. I asked the associate who I spoke with how this occurred and had no details. She also said it applied to a number of accounts. If I did not call, it is likely that I would have unknowingly paid this illegal and predatory fee. Also I am concerned that all of the other accounts are still being assessed this erroneous fee. I believe that is is utterly inexplicable how Arvest can, at its own discretion, apply illegal and fake fees to accounts and then expect account owners to follow-up and to ensure that the fees are removed. Even worse, there appears to be no penalty to Arvest for engaging in this illegal behavior and I receive no monies in return for damages.
Product: Credit reporting or other personal consumer reports

Unknown sources ; credit was ran without my consent or permission.
Product: Checking or savings account

I sent my sister in law $ XXXX {$240.00}, XXXX XXXX is alleging, they have no way to track or trace the amount. USAA has said for me to go back to XXXX XXXX to resolve the matter. I have, and they advised me to dispute it with my bank.
Product: Checking or savings account

I have twice gave bank of Hawaii checking chances by opening an account with them, the first time, they change their policy midway and start charging me a fee for paper statement. Yes, this bank actually charge for paper statement at that time after initially offer the term of not paper statement charge. The second time, this bank initiate a check ordering transaction on my account when I would never order check if it costs me money, not to mention I believe this bank may have advertised free checking and free debit card. Then it reverse the transaction saying I did not pay for the check order I did not make when in fact, I have not put money into this account because I did not trust this bank yet after what it did last time, and then after fail to charge me a fraudulent transaction, this bank charged me an overdraft fee. This is absolutely abysmal and unacceptable banking practice. This is not to mention I believe this bank has illegally monitored and hacked customer 's account, then make a ridiculous claim that the customer working for them as a mean to justified this absolutely criminal behavior while trying to commit identity theft. this bank was involved in a class action lawsuit just a few years ago in which the bank did the very same thing of overdraft charges, and now it is doing it again to customers. Never used this bank if you don't want to waste your time. because now I am going to have to waste my time sorting out this problem which I am not getting paid to deal with as a customers, all I want was a normal bank that keeps its promises to customers and trustworthy that does not try to rob, steal, or fraudulently charge customer and this bank is not one of them. It is sad given there are only a few large banks in Hawaii locally and one of them is this bad.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, Where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX Experian Account # : XXXX Account Type - Detail : Auto Loan Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$3100.00} According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX  Experian Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened XXXX XX/XX/XXXX Balance : {$1100.00} According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 



USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Experian Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$4300.00} According to XXXX XXXX ExperianXXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Mortgage

We have a XXXX loan ( purchase and renovation loan ). The process with Wells Fargo was terrible. Our appraisal came back low and even though we sent them houses on our same block that were valued for more they did not force the appraisal company to revisit the final report. Because our neighborhood is improvised they even discounted the value of our home even more. This was not fair since homes were selling for more in the same neighborhood. We felt discriminated against since we live in a low socioeconomic area. WF changed reps many time during the process so there were time lags as well. We had to write numerous letters on the same topic. One rep would promise one thing then they would leave and we would have another rep. We quickly responded to every request but to keep pressing for a close date then we were told the interest rate had to be increased since so much time had gone by. We felt we had to accept so we could close. We finally closed in XXXX after starting the process the prior XXXX. We now need an extension of this loan because it took us longer than expected to get permits from the City of XXXX. Even though this was not all our fault ( see letter attached ), WF will not extend our loan or roll it into another loan. We are in midconstruction and cant get another loan in TX until XXXX.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of XXXX items on my report as " XXXX XXXX' or " XXXX  '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

Card for key XXXX benefits is temporarily suspended and I cant get ahold of representatives to help me.
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.