23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request specific details regarding the charge-offs that has been reported on my consumer report by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting verification of the following information : 1. Date of First Delinquency Please provide the exact date on which my account first became delinquent with the above-listed entities.

2. Date of Last Payment Please confirm the date of the last payment made on this account.

3. Date of charge-off- Please confirm the date of charge off 4. Complete Terms and Agreement I request a copy of the full terms and agreement of the contract associated with this account, including any signed documents that outline the original contractual obligations. 
Additionally, I request copies of any records or documents that support the reporting of this account, including any notices sent regarding the charge-offs. If any of the reported information is inaccurate or unverifiable, I expect its immediate removal from my credit report. 
Please consider this letter a formal request for information, and I require a response within 15 days from the date of this letter. Failure to respond within this time frame may result in further action to enforce my rights under the law.

You may send the requested information to the address listed above. If you require any additional details from me to process this request, please contact me promptly.

Thank you for your time and cooperation. The attached letter will give account number and proof of identification.
Product: Credit card or prepaid card

I received a prepaid online giftcard from Myprepaidcenter and the card expired in XX/XX/2023. I called to ask the company for a new card and my request was denied. I am now unable to use my funds and the company has pocketed my cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech has been trying to say that I owe for a mortgage loan of XXXX that has already been delt with through a foreclosure in 2013 And it's been on my credit report for over 7 years. It also says on my credit report as a write off but still trying to collect. This is not right and they need to be reported for fraud. This is a debt that was handled through a foreclosure and should not be still trying to collect. I want this off my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from XXXX XXXX. Then on XX/XX/XXXX I received ANOTHER hit on my credit from XXXX XXXX XXXX  saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid XXXX XXXX  XXXX  in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for XXXX XXXX on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called AFNI reported the same XXXX that I was disputing with XXXX XXXX on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called XXXX XXXX back and spoke to a manager that said thatXX/XX/XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both AFNI and XXXX XXXX are reporting the same debt negative on me. I called XXXX XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved. XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.
Product: Credit reporting or other personal consumer reports

I ask that they send me all documents and steps they took to verify the information that i disputed on my credit report. The CRA s have failed to do so by just stating the information is verified. I would really appreciate if these items are removed from unwilling to comply and do a proper investigation for a complete and accurate report. US 15 1681 2 ( a ) ( b ) i I requested debt validation, Purchase agreement from original creditor, and last they furnish proof that they are licensend and bonded.
Product: Debt collection

I believe my ex-wife opened an account without my knowledge. The account was put in collection and I have tried to dispute the account with the credit bureaus but the bureaus keep saying all account information was verified as mine. 

The problem Im facing now is that Im in a process of securing my security clearance with the department of state but this collection account is looking bad on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, issued by XXXX XXXX  is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in Federal Court in the XXXX XXXX XXXX XXXX  This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.
Product: Student loan

In XXXX I took out a Parent Plus Tuition Answer Loan from Sallie Mae for my son as he was going to school. I was told this loan could be used for anything. I paid the interest while he was in school so I would not increase the principal. I noticed once the loan was transferred to Navient they capitalized and added all the payments I made to the loan increasing the balance. I contacted Navient and they said the online system was wrong and that the amount I owed was now {$10000.00} more. 
During the recession I needed assistance and they told me my only option was forbearance. 
In XXXX I filed chapter XXXX bankruptcy and this debt was included in the proceeding. All debts were discharged. However, when I called Navient they said that this was a " school '' loan and not dischargeable. I have since learned this is not true. 
A Parent Plus Loan Tuition Answer is not considered a school loan as it does not have to be used for school or can the interset be deducted like a school loan and is in fact a personal loan. This should have been discharged in XXXX. 
I am STILL paying on this loan with no relief.
Product: Credit reporting or other personal consumer reports

Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice
Product: Student loan

We recently paid off my wife 's loan with Navient and  XXXX  corporation and we do n't owe anything at this time. Navient has been making in authorized access of our account. Upon investigation we found out the same amount has been charged for the past 1 year but Navient is unable to tell us where the money is going.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never in my lifetime signed nor authorized for the over {$15000.00} amount of XXXX loans which I have been saddled with for over 15 yrs, which have ruined my credit, name and life since. I only applied and signed for XXXX! loans at XXXX XXXX for XXXX quarters when I attended their school for 6 months in 2007. I have submitted a XXXX XXXX claim and transcripts to the Dept of Education and I have yet to receive a final word on my defense of being deceived and duped by this school. I am sick and tired of being associated with debt I never used/nor received, apart from the {$5.00} XXXX that covered my classes & materials then. I will go take all involved parties and file suit in court unless this is erased from my credit and history.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX23 @ approx. XXXX XXXX, I received 2 texts from Wells Fargo asking if I'd authorized a XXXX transaction for {$3500.00} to someone in XXXX. I responded NO. Got a text saying a Wells Fargo representative would contact me shortly. 

Received a call from someone who identified himself as XXXX XXXX from Wells Fargo. I was at work at this time ( I work in a school setting and my students were unsupervised adding to my extreme stress ). During the call I expressed concern and he told me he was called from Wells Fargo Customer Service and that I should check the number he was called from - when I did it showed up as the Wells Fargo Customer Service number. He asked questions and led me through a series of steps to open a XXXX account so I could received this stolen money back. When I tried to ask questions he got impatient and stressed great urgency to complete this. He gave a case # XXXX and told me for security reasons not to access my account for 24-48 hours. 
I texted my husband at XXXX. He went directly to our local XXXX branch but didn't really know what had transpired due to my short text. He was told there shouldn't be a problem. I called him as soon as I was able at XXXX and told him what had happened. He went back to the bank and was told by a banker, XXXX XXXX, that I had been scammed. He told my husband to have me file a claim and he thought we'd be able to get the money back. 
As soon as I got home I filed the claim. 
I received a letter ( undated but received XX/XX/XXXX ) referencing our claim and saying there was nothing they could do since the funds had been transferred. I called XXXX as soon as I got home and talked to XXXX. I expressed that this wasn't handled to our satisfaction and asked who else I could talk to. She told there was no one else I could talk to but she would send me the documents that were used in making this decision. 
We received the documents on XX/XX/XXXX ( letter dated XXXX ). After studying the documents I was not able to understand one of them and the quality was too poor to read clearly, so on XX/XX/XXXX at XXXXXXXX XXXX I called XXXX seeking clarification. XXXX was unable to answer my questions, she did not have a copy of what was sent to me, and I was not able to talk to the person who prepared the documents. I also asked about the possibility of an appeal and she said no. My question was regarding a XXXX  Modification History with the same XXXX as was used in my scam. Since I couldn't read this portion, I wanted to know if it was included because this individual had scammed others. The answer I go was WellsFargo won't say if this person has done this before, that XXXX asks the other bank to return that money and if they don't that's all they can do. 
I realize they are claiming I initiated this transaction, but I did so under duress. Also, I have never had a XXXX account and I think they should have questioned the transaction due to that fact and the large amount. I also feel the documentation provided was inadequate, and without being able to discuss it with anyone I'm not even sure what it means.
Product: Debt collection

This company keeps adding this collection and removing it as they see fit. each time i have them remove it they come back 9 months or so later and add it right back. this is not me.
Product: Checking or savings account

My complaint is against Wells Fargo sense XXXX of XXXX and until now when they supposedly was going to close my account, for a supposed fraudulent check that was they never bothered to check and now have sent me a letter of apology and {$14.00}, which they felt was all they over charged my account. 

I was very upset with the fact that I opened my account in XXXX to do future merchant, business banking with Wells Fargo Bank and that I am a XXXX adult whom was attempting to start my own online business and attend online school to receive my degree in XXXX. 

That was when Wells Fargo Bank began there process of taking funds from my account, when in return they were not suppose to charge a fee for Social Security direct deposits ( XXXX ) and allowing charges to my account that were unauthorized. 
They started denying me funds and with holding my deposits until I telephoned them to allow my deposits through. 
They then ( after my move back to XXXX from XXXX )  decided to inform me that I tried depositing the same check twice, when I did not do so ( he lady bolding lied to me over the phone insisting this and was extremely rude ). 
They then withheld a {$420.00} bank fee refund from XXXX and a {$600.00} stimulus check telling me they were closing my account on the following Thursday which was over 2 months ago, in which they did not. 
They have caused me to lose employment of {$400.00} a week do to the fact I work XXXX online and that does not show responsible employee skills. 
They have caused 2 credit card companies to not only close but created animosity towards my partner and myself, from there employees, XXXX XXXX XXXX and XXXX XXXXXXXX ), which Wells Fargo refused to pay from my Bill pay, or would would just return as NSF, when funds were in the account. 
I owe XXXX  over {$1800.00} for the same exact reason ( Wells Fargo refusal to pay my bill pays ). 
They are not only unreliable, they purposely XXXX ( excuse my language ) there consumers off and cause financial hardshipXXXX stress  and do nothing for there community. 
And to make matters worse this was all during the time of XXXX when then new they could fraudulently hurt consumers in there community and have done nothing there webpage says. They sure as XXXX do not give hardship loans. let alone would they listen if anyone attempted to apply for one.
Product: Debt collection

this person showed up at my residence looking for my estranged husband. I told her he no longer resided at this address..she then publicly, tactically implied, because we were standing outside, that the vehicle that was parked on my driveway was registered to him. Then asked if I knew of his whereabouts ... how did this stranger know my personal business and is it lawful of her to invade my privacy in public?
Product: Money transfer, virtual currency, or money service

Venmo is holding funds with no reason! This is same as cash Deposits. Me and my kids just went through pure hell cause I couldn't access my funds. Lawsuit
Product: Debt collection

This company has been trying to collect the debt from me despite XXXX XXXX submitting a debt to them in error. XXXX has already confirmed that they have retracted the account related to me that they had filed with them ( in error ). The Maryland Attorney Generals Office has been investigating this case for some time, and this company has ignored this aspect of the bill.
Product: Mortgage

We have had this loan for 21/2 years or so as it looks we have in the 2/1/2 years only paid {$17000.00} off loan that does not seem right at 4.5 %. Our mortgage payment is about {$2300.00} and {$600.00} impound and {$1700.00} for loan it totals {$51000.00} for 3 years so something is wrong in the numbers and we may have been over charged. This company has no respect in  customer service I have XXXX and have trouble some times but for them to act the way they do is rude, I have did the math on my loan it is not right there is some thing wrong. please look into this for me. ASAP as we are in starting of foreclosure.. please look at the numbers and help us to be sure of all the charges.
Product: Money transfer, virtual currency, or money service

Someone sent me a Zelles to my navyfed account I didnt know and my account was shutdown
Product: Credit card

On XX/XX/2023, I issued my security to XXXX but was not given equal consideration which is security fraud. The denial of application which is security is security fraud. Understand that there is no stature of limitation on Fraud.
Product: Credit reporting or other personal consumer reports

Account was paid in full and never late but was closed XX/XX/XXXX. As of today, XX/XX/XXXX, this account is still on my credit report.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate this account. XXXX XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that if the last date of payment is wrong? The balance is incorrect. I never received the XXXX insurance money back or credited to the account. The date of the last activity and much more are wrong. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C.1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of conviction 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 Also, they aren't even in compliance with XXXX XXXX credit XXXX XXXX I have evidence to prove my case
Product: Student loan

StudentsComeFirst reached out to me to ask if I was interested in being apart of an income based plan for loan forgiveness through their company. They would pay off my current loan provider, XXXX, after I payed {$340.00} dollars to them within the first month of XXXX. After 6 months of {$340.00} dollars my payments would go down to {$100.00} dollars a month. They took the money out of my bank account but I have no information on them or a way to access my account. I called XXXX, and there was no information that Studentscomefirst is paying off my loan through XXXX and coming to them. I called XXXX and they gave me this number and website. I want to stay with XXXX because they are a trusted company for my federal student loans. I don't see a payment of {$340.00} paid towards my student loans so I do not know where my money is. I tried calling the StudentsComeFirst company but no one answered and my call isn't returned. I signed a document allowing StudentsComeFirst to take over and make direct payments to my bank account on XX/XX/XXXX. The person I spoke to was named XXXX XXXX but the name wasn't recognized when I called the StudentsComeFirst company. I am very scared I being scammed and I want to stop payments to them but am unsure how to do so with signed information I gave them. I want to stay with XXXX and cancel this StudentsComeFirst Company. Please help me. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an initial auto loan with Bridgecrest, upon financing with a more reputable bank, a payoff check was sent to Bridgecrest from our new bank XXXX. Bridgecrest received the check on or around XX/XX/2021. The tracking number proves it was received by Bridgecrest. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to Bridgecrest and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that Bridgecrest had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.