23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX we finalized an equity loan with XXXX XXXX XXXX which included paying off several loans and credit cards. On My XXXX, Wells Fargo marked our installment loan as paid in full. A few weeks later we received a check in the mail for the overage of the payoff and loan amount. Today ( XX/XX/XXXX ), I received a call from the collections department at Wells Fargo stating my installment loan was XXXX  days passed due. I explained this was impossible because the loan was paid in full in XXXX. I was informed that the system couldn't provide any information other than that the funds were not valid and now the loan was passed due. I asked repeatedly how it was possible for a loan to be paid in-full and a refund issued if the funds were not valid. The representative told me that there were many reasons for this but he couldn't see what specific reason it had happened because it involved a third party ( XXXX ) paying. I requested a supervisor and was told no one was available and someone would call me back. I also called XXXX and was told they had to open a ticket with accounting to find out more information. The Wells Fargo representative said the loan was reinstated 3 days ago but because the last payment was received in XXXX my account is XXXX days passed due. He also had the audacity to ask for a payment today to bring the account current. Before hanging up, he said this was not my fault but happened sometimes and the system just didn't give them information. This is beyond insane that an account that was paid in full could suddenly ( XXXX XXXX DAYS LATER ) no longer be paid in full. Also Wells Fargo provided XXXX paper documents explaining this. No emails. No letters in the mail. Just a random phone call for collection.
Product: Mortgage

Good day, I was on forbearance and decided to pay back all the money that I owed for my mortgage from XXXX to XXXX after I secured a loan. Wells Fargo is refusing to update my information on my credit reports. They have received the payments of all those months but still my credit is not accurate. XXXX report is showing that there NO DATA AVAILABLE for the month of XXXX to XXXX. XXXX is showing NO PAYMENT MADE. XXXX is showing that I am under FORBEARANCE. I have paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of those payments has been used to update my credit report showing. Those months are still showing on my report that no payments were made. I have reach out to Wells Fargo and still calling them without any success. I said to them that if they want to keep the information on my credit, they should give me back the money and have the loan modified, or an extension of the loan, or a new interest rate. They can not keep the money paid for the months of forbearance as reinstatement in a lump sum and not update my credit report to reflect the payment. I talked to several agents and managers and they always promise to update the information since XXXX nothing is being done. 

Thanks in advance for you help in this matter.
Product: Student loan

From XXXX XXXX XXXX University and the University XXXX XXXX XXXX, I took student loans out in the years XXXX to XXXX for my degree, XXXX XXXX XXXX, in the amount of {$70000.00}. 

I have been trying to pay these loans off for 11 years and have been unable to because of Navient 's unlawful practice. I now owe over {$88000.00} while I have paid over {$10000.00}. 

For so many years I was unable to make payments because of Navient 's unlawful business practices and how they required me to overpay for student loans. 

For example, they wanted over {$1100.00} per monthly payment. I explained I could not pay them that, but that I could pay them {$450.00} per month. They would not accept lower payments and said I could not make them. 

They will not take lower payments that I can afford, so instead I am forced into applying for deferments or forebarance. 

So here it is, 11 years later, and I am in a worse financial situation than before I took my loans and earned my degree. I have applied to hundreds of jobs, but can not get a job with my degree because I have no teaching credential and am not a licensed teacher. So many jobs I applied to told me they would not hire me because I did not have enough teaching experience in my field and I did not have teaching credentials or license. 

This has decreased my quality of life. I can not afford a new car. I am still driving a car that is 18 years old and another car that is 10 years old. They are falling apart and need to replaced, but the burden of these loans is too much. We have had to repair the rusted out leaking transmission fluid lines, rusted gas filters, etc. etc. 

Please help relieve this burden! 

The university should have never admitted me into my program of study because I did not meet their admission requirements - not enough teaching experience and no teaching credentials or license! 

I have not been able to benefit from this loan. It has hurt me and I wish I never went through all the struggle and study to earn my XXXX of XXXX. 

Please help! A XXXX year old with a worthless degree and almost {$90000.00} in debt for over 11 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AT THE END OF APRIL 2020 AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX  XXXX(XXXX-XXXX-XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM EXPERIAN AND TRANSUNION. XXXX  REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX XXXX XXXX XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX XXXX
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXX  XX/XX/XXXX

XXXX  
XX/XX/XXXX

XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX XXXX I already sent police report bt they failed to delete
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. 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 XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.
Product: Debt collection

I recently reviewed a copy of my credit report and I noticed several fraudulent accounts on my report. Please remove these accounts from my Report, they are hurting me and my families future financial journey to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items 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. I have disputed this account and I have supporting documents within inaccurate information. Please delete this account.
Product: Credit reporting

I 'm making a complaint against Experian for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA . In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts from my report, they are hurting my ability to obtain credit, please remove all fraudulents accounts : XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXXXX/XX/year> TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hi, i had Wise account formerly Transfer Wise. I recently made some disputes about some debit card withdrawls made in XXXX and they basically closed my account over it. They basically said they investigated and I'm 99 % sure they didn't. They gave me this reference : XXXX ). To this whole debacle. 

After I told them I was a XXXX XXXX  XXXX XXXX XXXX, it seemed to really upset them and they said your account is permanently closed. This is after telling me they would give me a decision within 15 business days. 

I will also be reaching out to the white house, since XXXX XXXX is a friend of mine about this garbage.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from them, the amount is {$600.00}. The total finance charge will be about {$3900.00} and the total amount that i will pay after I make all payments will be {$4500.00}. The payments are {$88.00}, I been paying that amount since XX/XX/year> and I stopped paying XX/XX/year>. The interest rate is very high which is 776.17 %, in the state of XXXX where I live is illegal and a felony. 

This is their email XXXX. I tried finding them on the BBB put I couldnt find them. I stopped paying because their interest rate is way too high and time I made a payment the amount stayed the same. They claim there are from the part of the XXXX XXXX XXXX XXXX XXXX of the XXXXXXXX XXXX XXXX XXXX. 

I have a copy of the agreement. This week will be my second time missing a payment and will no longer pay becuase of the interest rate being so high. They threaten to submit may debt to a collection agency and report to a consumer agency databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Equifax today because all of a sudden my husband and I can't log into our accounts. I called in 2022 to freeze my credit report all information at the time was correct and updated. Now they say it is not are refusing to open my online account and are telling me I have to mail them my personal information. I believe that Equifax has been breached again. I want mine and my husband 's credit reports to our new address we have been at for XXXX now.
Product: Mortgage

I received a letter in the mail from Lakeview Loan Servicing , LLC in XX/XX/2018 stating that I had an escrow shortage of {$230.00}. I sent them the payment in full and the amount was cashed from my bank account on XX/XX/2018. The letter stated that If I do not make the escrow shortage payment, then I would be responsible for increasing my monthly payment to {$870.00} beginning XX/XX/2018. It also stated that if I do make the payment, I would only be responsible for making a payment of {$850.00}. 

On XX/XX/2018 I checked my bank account and the loan servicing company withdrew from my bank the full {$870.00}. I called immediately and asked them to apply the difference to the principal. When I saw that they did not do that, I called a second time and asked them to mail me a check for the difference. The supervisor told me that he would mail the check and put a rush on it. I waited about a month to receive the check in the mail, and never received it. 

I called the company again today, XXXX, and the person over the phone told me that they will not be giving me a check, but will be holding it in their account and applying it over time towards my escrow payments against my wishes to either mail me the difference or apply it to the principal. I explained to the agent over the phone that this was mismanaging my money, no matter how small the amount is, and he was not interested in helping resolve the issue, despite admitting fault that the company wrongly took an excess of money from my account. 
This is the second time I have had the issue with this company taking out more money from my account after paying an escrow shortage. The previous incident occurred last year. I did not report that incident.
Product: Credit reporting or other personal consumer reports

You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX Late Payment {$730.00} XXXX XXXX Late Payment {$100.00} XXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$7700.00} XXXX XXXXXXXX Collection {$7700.00} XXXX XXXXXXXX Collection {$7300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$7300.00} XXXX XXXX XXXXXXXX Charge-off {$5600.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

Consumer Adj Co has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but XXXX continues to claim the validity of the debt without providing the DOFD. This give the erroneous impression that I have recently and knowingly defaulted on a debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these 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
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using XXXX or XXXX XXXX civil liability compliance