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

Experian is outdated information being reported on my credit file and this information is from XXXX XXXX several of my accounts that they are reporting with a balance is incorrect due to the fact these cards have been previously paid in full and have a {$0.00} balance. this mis information is affecting my score and how lender view me.
Product: Credit card

On XX/XX/year>, I discovered a fraudulent charge of {$2400.00} on my credit card from a XXXX XXXX. I never made this transaction. I immediately called Wells Fargo, my credit card company, and they told me they could not stop the pending transaction and that I would have to dispute it and they would have to investigate it. 

A week into their " investigation '' I called Wells Fargo to get an update. The woman I spoke to said that they called the merchant but no one was currently there to look into the charges. She called again while she had me on hold but told me that once again no one was at the merchant that could look into charges. I asked her for the phone number of the merchant and they provided it. I hung up with Wells Fargo and called the merchant myself. I immediately got ahold of an employee you was able to look into transactions and she confirmed they had no record of the transaction on their end. She then called the merchant 's corporate office who called me and they confirmed again that no transaction had occurred. They were very helpful. The woman I spoke to at corporate XXXX XXXX was named XXXX. 

I then called Wells Fargo back and provided the corporate number and XXXX 's name. The new Wells Fargo rep I spoke to put me on hold, called the number I provided and came back to me and said that the merchant did indeed confirm that they have no record of the transaction. He said they would proceed with their investigation and let me know the resolution. 

I just got a letter in the mail stating that no fraud had occurred and I would have to pay the {$2400.00}. When I called Wells Fargo to ask how that could be the case, the woman I spoke to said she saw no record of the conversation I had with the man that confirmed there was no record of the transaction with the merchant. She said it was possible she didn't have access to it. However this leads me to believe that there was no further investigation and Wells Fargo did not do their due diligence. I called the merchant number they provided me and was able to get information and answers right away, even though they claimed to have called twice. They are denying fraud took place even though I was on the phone with them when they confirmed the store said they don't have the transaction. None of it makes any sense. 

I now have to send Wells Fargo a letter from the merchant, my police report and recorded customer service phone calls in order to get this case reopened. I have to go to a physical branch to get the phone calls submitted. It would be very helpful for the CFPB to help me in resolving this matter as it has made me incredibly anxious. I do not have {$2400.00}. I have recorded all phone calls with Wells Fargo and XXXX XXXX, the merchant that Wells Fargo found in their investigation. 

Thank you.
Product: Student loan

I have been contacting Sallie Mae for several weeks to speak with someone about a loan modification and learn all options for loan repayment for my monthly loan payments. Currently, my monthly payment is {$1400.00}, which is significantly more than I earn in a month. I have tried multiple times to call and gave been met with service representatives who can not answer my questions, or am put on hold and transferred to a different department and then hung up on. To date, I have been told that my options are to enroll in a graduated repayment program, put my loans into forbearance, or to speak with someone about a loan modification. After looking into it, I discovered that the graduated repayment program would not only add an additional {$3500.00} charge to my current loan balance, but also tremendously increase my monthly loan payment after one year- therefore, it was not a viable option. As I had already paid {$150.00} to put my loans into forbearance, I asked to speak with someone about a loan modification. I was then told I needed to wait for my loans to become past due for someone from the loan modification department to speak with me. This situation has already detrimentally affected my ability to try and get a refinancing loan with other companies and I can not afford to wait and have my credit score negatively impacted by Sallie Mae again. Sallie Mae has been giving me the run around for weeks and it has prevented me from being able to properly handle this situation. I am being denied access to critical information, and being mislead by representatives who continually tell me different information.
Product: Mortgage

I'm being approved for the XXXXXXXX XXXX XXXX for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX payment is past due because they aren't applying the payment on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/XXXX XXXX sent the check for XXXX payment. The mortgage company applied the payment on XX/XX/XXXX more than 30 days after multiples calls and emails. On XX/XX/XXXX XXXX send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???
Product: Debt collection

Fabco called my mother 's phone looking for me when her number isn't listed on XX/XX/2023 and kept harassing her where to find me. Then the same day they called my employer and lied saying they were verifying a application for a rental property and and personal information about me. I have recieved a letter dated XX/XX/2023 saying that it's for a collections to XXXX XXXX for {$6000.00}. That I owe but didn't not know I could counter XXXX until it was to late for not fixing the apartment I was in and it was unsafe and the management new and was documented for 6 months they did nothing. They also denied the rent help I was going to recieve from XXXX XXXX XXXX and XXXX charities and pursed eviction.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor request for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could Include filling complaints with the consumer ( FTC ), as well as pursuing other remedies to protect my rights.

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

We have a XXXX Honda XXXX We leased this car from American Honda Financial XXXX. We decided to pay it off early and sent payment. The payment was received and the check cleared XXXX XXXX. As of today XX/XX/XXXX, we still have not received the title. After calling several times to hear that they dont know why it says error on their computer, they can not release the title, we asked for our money back since we can not even use the car or sell it without the title. We were initially told no on XXXX conversation. That there are no refunds. The next day it was they would refund us. The day after it was no again to giving us our money back. And even worse, still no title and no exact explanation why. We contacted XXXX as we were first told they had the title and to reach out. XXXX states they do not have the title. That American Honda Finance holds it. They literally stole our money. Its like they still own the car since we can XXXX XXXX it. And still no solution to be had.. Just the run around every time we call. All taxes are paid, No reason for the title to not be released.
Product: Mortgage

I requested for a loan modification, I was approved I made all my trial payments. On XX/XX/XXXX I spoke with a XXXX and she advised me that I would be receiving my closing documents and to keep making my trial payments. On XX/XX/XXXX I had a missed call and I called on XX/XX/XXXX and was advised that my signature paperwork was still missing. I spoke with XXXX who never told me my file was closed and to re fax the paper so I did. On XXXX I spoke with XXXX who stated that I was not on any assistance and my fax was still not received. I spoke with a supervisor who XXXX who definitely does not want me to keep my home. I called back and was told all supervisors are in a conference. I need to speak with owner of the company I need to speak with someone who wants to help me keep my home. I don't want to loose my house. I'm crying out for help and Loancare doesn't want to help. I have received no paperwork saying my file was closed. I have no clue what to do at this point
Product: Debt collection

Waypoint Resource Group has reported on my credit report that I owe a debt of {$330.00}. I do not owe this debt. I have never been contacted by this collections agency about this debt. They have not shown any proof of this debt. I want this removed by credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

the description of unwanted ifo items is shoing XXXX of not needed wrong items that keep appering on my credit report i was paying XXXX XXXX XXXX then they seem to owe me at least XXXX according to a 5year payment plan that did not work i payed them XXXX each month and they still would not remove the wronger items fom the 3 reportagencies/ialso need a update ruling on my credit score that should be at least XXXX/this type of action neede to be pursued anddealt with/myaddressis XXXX XXXX XXXX  XXXX/please try toclear theselong monyhs mistakes./thankyouverymuch.
Product: Credit reporting or other personal consumer reports

I was surprised to see inaccurate accounts on my credit report this morning, and I have no idea why they are there. I check my credit report regularly, but this time, I found unexpected inconsistencies. Hoping it was just a display issue, I refreshed my browser, but the errors remained. Because of this, I am requesting a thorough verification of the documents I submitted to resolve the matter once and for all.
Product: Checking or savings account

I started a savings account with Capital One for their advertisement of being a " high yield '' savings account named XXXX performance savings account and having a XXXX % interest rate. I decided to start it around XXXX of XXXX  to help me save for school but I feel like I was being cheated. I saw my money go up really slow until I realized that I'm only actually getting less than that %. What I saw as a great opportunity as a college student only made me question if my money would have grown elsewhere if I didn't fall for this advertisement. I was also never informed of this or even became aware of it till now so now I feel like I waisted my time in depositing my money into this savings. I went from having a starting APY of XXXX % in XXXX to current XXXX % at a gradual decrease from XX/XX/year> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised. My cousin used my information while I was out of the country with out my consent. I had no idea that they opened these accounts until I checked my credit report. I have filed a police report about this matter and the creditors refuse to remove these accounts from my credit. Please assist me in getting these fraudulent accounts are removed from credit report because it has brought my score down significantly and is hindering from getting the things i need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

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

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXXXXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reported negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge-off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 


15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro-consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

On XX/XX/29 a fraudulent charge in the amount of {$1700.00} occurred on my card. Company failed to provide me with any security as this purchase should had been red flagged and never allowed to go through. I have had this card for about 5 years and have never made a purchase of over {$200.00}. Company failed to provide any security. I called Eppicard on XXXX to report the fraud. I was told a new card would be mailed as well as forms that had to be mailed back within 10 days. Upon investigation there seems to be a fraud with the company never mailing out new debit cards or the form to pursue fraud cases. Why cant the form be emailed? Why are people not receiving new debit with their remaining balance? Eppicard is stealing child support money from American families. This is my rent money that got stolen due to lack of security on your end. Rent money stolen during a pandemic. This needs to be handled ASAP.
Product: Credit reporting or other personal consumer reports

The following items are not mine i never had any business with these creditors i request immediate permanent and all future blockings from all credit reporting agencies. 

This is the letter that was sent to all credit agencies as well as a validation i requested with a wet original signature they failed to provide. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 2. 1. Validation of the debt-that is, the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you cant provide these items Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account XXXX XXXXXXXX ( Original Creditor : XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 XXXX has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company Lexis Nexis. 

I am aware that XXXX is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. Lexis Nexis is disclosing my non public personal information to the Credit Reporting Agencies XXXX XXXX XXXX Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by Lexis Nexis, XXXX, or XXXX. 

I am aware that XXXX, XXXX and Lexis Nexis may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.