23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX I was reviewing Mohela correspondence and found there to be messaging that made me think I needed to resubmit my income or I would be removed from the SAVE plan. I submitted a document that is not reflective of my current income but is more recent, but see now that I dont need this submitted until XX/XX/XXXX, next year. I called and had over a XXXX hour wait time for my call back after many transfers, spoke with a man who said he could not help me and would transfer me, but then I got the main line and it is saying there is now a XXXX minute additional wait time ( and I am in the same location on the call service that I started, not a special line of any sort ). I need to get to other things -- it is XXXX XXXX  XXXX, and I started this process first thing this morning. Not sure what to do but I need help in deleting the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, I do not recognize these inquires in my credit report profile. I am identity theft victim so please remove all these wrong items from my profile. I do not have contracts with these companies and did not agree to anything. 
I am sure that mistakes happen on peoples credit reports, and I am quite certain this is a big mistake. I kindly ask you to check and delete forever these incorrect items from my credit report. This wrong information badly effecting my life planning.
Product: Checking or savings account

Chime advertises an {$100.00} spot me limit and paid up to 2 days early feature on their website and all over the internet through marketing. I signed Up for chime 11 months ago based on these advertisements. Ive had around $ XXXX deposited into my bank account from my direct deposits from work and i have Yet to see the {$100.00} spot me limit, Ive emailed chime back and forth, they say they cant raise my limit to the advertised limit. They have bait and switched me with false advertisements, i want What i signed Up for which is the {$100.00} spot me limit.
Product: Mortgage

AIMLoan.com failed to pay real estate taxes when due out of the escrow account maintained for tax purposes. To date they have only paid a {$210.00} assessment with an additional {$4300.00} past due. As the borrower, we reached out numerous times only to be told it was being researched. As of today taxes remain past due by one month.
Product: Credit card or prepaid card

I use Wells Fargo for merchant services ( credit card processing ) I own a small business that was recently scammed by a customer  using stolen credit cards. 
I reported this to wells fargo. They sent me letters showing chargebacks from the victims and removed all funds available in our business accounts and my personal checking account. 
Next they froze our merchant account that receives our credit card charges. They refuse to unfreeze the account but still allow us to run credit card charges to it. Thus our customers are paying their bills each day to a frozen wells fargo account. They have now withheld more than the total amount of the suspected fraud charges. 
I have been told that only the security department at wells fargo can unfreeze the account but when myself or other wells fargo customer service agents call that department, the call goes to voice mail and the mail box is full. 
My company is going to run out of cash to pay employees and bills. We are going to close. But the only department that can apparently help unfreeze my account is unreachable. 
Also, establishing a new credit card processing relationship can take up to a week and does not leave us time to pay the employees or vendors. 

Please help save our jobs thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain items on my credit report, which remain unverified despite several attempts to resolve the issue. These items have been inaccurately reported, yet they continue to appear as " accurate '' without any valid proof from the vendors involved. I demand that these items be removed immediately, as required by federal law. A copy of this letter has been sent to the Consumer Financial Protection Bureau ( CFPB ) for further review. 
Account Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 and 15 U.S. Code 1692 ( c ), I am entitled to have any debt or credit obligation verified, including the requirement that the creditor provide sufficient documentation of my signature or other binding proof that I have entered into the alleged agreement. To date, neither the credit bureau nor the reporting vendors have provided this documentation, which is a violation of my rights.

Additionally, 15 U.S. Code 1681g gives me the right to access all the information being reported about me and to receive an explanation of the sources and details of this data. Despite multiple requests, I have not been provided with such documentation for the disputed items, which further supports my claim that these items are not valid.

The continued reporting of these unverified and incorrect items on my credit report has caused significant financial and emotional distress. These errors have negatively affected my credit score, harmed my ability to secure financial services, and caused unnecessary stress in my life. These items must be removed immediately to prevent further damage.

I am requesting the following actions : 1. The immediate removal of the unverified and inaccurate items from my credit report.

2. A written confirmation of the removal within 30 days of receipt of this letter.

3. A thorough review of your procedures to ensure future compliance with federal laws governing credit reporting.

Should you fail to take the necessary action, I am prepared to pursue further legal remedies, including enforcement through the CFPB, to protect my rights. 
I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Mortgage

I am being sued by a third-party debt collector on behalf of Wells Fargo Bank, N.A. Wells Fargo has collected insurance for my default and can not sue as they have been paid. I need to know if Wells Fargo is allowing the third-party debt collector to sue in their name or if they are actually bringing a complaint against me.
Product: Mortgage

NewRez LLC failed to release the lien on my home. NewRez LLC told me there was no lien to release in XX/XX/XXXX after I paid off my mortgage. However, NewRez LLC recorded a lien on my home in XX/XX/XXXX for the mortgage I paid off. I mailed a Notice of Error to NewRez LLC in XX/XX/XXXX asking NewRez LLC to release the lien, but NewRez LLC has not released the lien.
Product: Payday loan, title loan, personal loan, or advance loan

cash net usa int rate were not clear and neither were the high payments i am currently in collections for XXXX for a XXXX loan that they sold to a 3rd party company
Product: Credit reporting, credit repair services, or other personal consumer reports

Huyndai processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.
Product: Student loan

company is in breach of contract, neglected and willfully failed to perform the contract agreement terms. Universal Account Servicing LLC received all my loan payments as a student of XXXX., School loan is paid off! and overpaid 2 years approx. 
Universal AccountServicing / XXXX. also violated my consumer rights by forging my signature on contract agreements i had no knowledge of until recent discovery. 
Universal Accoount Servicing XXXX. Did not update my loan file and payments. It iscurrently under forebearance which means a history of consistent missed payments. 
As stated This is the proof of willfull neglected action from Universal/ XXXX. XXXX XXXX. They did not submit payment history to be filed instead ignored it neglecting which has caused much damage from my credit profile. They also took my XXXX GRANT FUNDS WITHOUT APPROVAL OR DISCLOSURE AND FORGED MY SIGNATURE TO WITHDRAW AND OBTAIN THESE FUNDS IN TOTAL XXXX $ My profile is under forebearance when its paid off in full with perfect payment history. Universal Account Servicing needs to be audit because they took my fafsa funds, private loan for school, accepted all my payments, neglected all my requests for historic doc, pyamt history, balance and total charge and cost of loan., they ignore my emails, and payment history reflects activity of responsible efforts. I have been over paying this loan over years and they have been cheating, stealing, and lying to me, I am seeking legal action for this pain and damage and breach of contract.Universal Account Servicing will not respond to my requests and has violated my rights and is currentlty performing illegal activties as a financial institution / education that needs to be served.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of EdXXXX XXXXXXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my FICO credit score was reduced by 17 points because Bank of America ( my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.
Product: Credit reporting or other personal consumer reports

I've diligently followed the correct procedures in disputing this account. I've reached out to the bank regarding this issue, and they assured me it was resolved. Additionally, I've contacted law enforcement and submitted a report and affidavit, which they confirmed as valid for identity theft. Furthermore, I've contacted the credit reporting agencies, and both XXXX and XXXX have already removed the account as required by law. However, Experian seems to believe I haven't followed all the necessary steps. 

Specifically referencing the account with the identifier " XXXX XXXX XXXX, '' I request its deletion as both XXXX and XXXX have already removed it due to a recognized error. I'm perplexed as to why Experian still has it on record despite the removal by the other bureaus. Please rectify this discrepancy and delete it from my file, as it is inaccurate, erroneous, incomplete, or unverifiable.

Understanding the leniency towards banks and credit reporting agencies in legal matters, I refrain from pursuing a lawsuit. However, after XXXX months of submitting my claim to Experian and facing repetitive dismissals, I feel frustrated. Despite multiple complaints, Experian continues to invalidate the documents I've submitted. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly examine this case, as it appears Experian is failing to fulfill its legal obligation in processing the identity theft report, which I've filed with a law enforcement agency, specifically Identitytheft.gov.

The emotional and physical distress caused by this identity theft and the resulting lack of access to my credit are overwhelming. It's impacting both my professional and personal life significantly. I implore for urgent attention to this matter as I'm feeling increasingly overwhelmed and helpless.

Please note that I am the sole individual submitting this complaint, without the involvement of any third party. I trust that you will handle this matter with the urgency and attention it deserves.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Experian to dispute multiple unauthorized inquiries on my credit report. I was notified that the system would not allow them to dispute it because it was a mortgage inquiry.

Per the Fair Credit Reporting Act Law 15 U.S.C. 1681-1681x, all unauthorized and unverified inquiries should be removed from my report. 

Experian 's systems should be updated per the Fair Credit Reporting Act, as it does not say that there is an exemption for mortgage inquiries. ALL unauthorized inquiries are to be removed. Very disappointed in Experian 's service!
Product: Mortgage

Planet home lending escrows the cost of insurance. The policy needed to be put in place in XX/XX/year>. I obtained a proposed insurance policy and contacted Planet to get their approval of the policy. Planet confirmed both in writing and by telephone in XX/XX/year> that the insurance policy I proposed was acceptable to Planet. Then Planet paid for the insurance policy charging my escrow account for the premium. 

Months later, Planet wrote me saying that the insurance that they approved and charged my escrow account for is insufficient and force placed a new policy costing over {$20000.00} extra. I have written Planet at least XXXX times since this new policy was force placed demanding that Planet remove this cost from my escrow company.

While Planet has acknowledged receipt of my complaint, they have refused to refund this extra cost charged to me.
Product: Mortgage

Select Portfolio is attempting to foreclose on a home they have no legal rights too. We have asked that they provide copies of the note. They have advised us in writing that the note was destroyed/manipulated. Therefore they are unable to produce it. Our contention is that neither XXXX XXXX ( who also has admitted to know be the lender ) nor XXXX XXXX XXXX posses the note. In additional XXXX accounting is suspect at least. They large principle payment ( over {$100000.00} ) made on the loan never cured the rearrages. It was applied to the principal balance and the loan remained in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CONCERNS MY FINANCIAL LIVELIHOOD, AS XXXX, EQUIFAX, AND XXXX ARE OUT OF COMPLIANCE WITH THE FEDERAL CARES ACT. 

IT IS EVIDENT FROM MY CREDIT HISTORY THAT I PAY ALL MY OBLIGATIONS ON TIME. SUDDENLY, IN THE MONTH OF XXXX, DEFAULT BEGAN DUE TO ILLNESS WITH XXXX. PLEASE SEE PROOF OF POSITIVE ILLNESS ATTACHED. UNFORTUNATELY, MY RECOVERY TOOK MONTHS, LEAVING ME OUT OF WORK FROM XX/XX/XXXX XX/XX/XXXX. 

THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XX/XX/XXXX, ACT AMENDS THE FAIR CREDIT REPORTING ACT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE COVID-19 CRISIS, ( SEE 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( F ). 
RATHER THAN WORKING WITH ME AND COMPLYING WITH THE RECENT FEDERAL LAW WHICH SPECIFICALLY SATES, THE FURNISHER MUST REPORT YOUR ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIES, SO LONG AS YOU WEREN'T ALREADY DELINQUENT ON PAYMENTS RADICAL AND HARSH DELINQUENT REPORTING BEGAN. SABOTAGING MY HARD WORK AND FINANCIAL STANDING IN THE BANKING/FINANCIAL COMMUNITY. 

I WOULD LIKE FOR ALL NEGATIVE MONTHS CURRENTLY REFLECTED ON MY CREDIT REPORT BY THIS INSTITUTION TO BE CORRECTED TO EACH OF THE THREE CREDIT REPORTING AGENCIES. EVERY NEGATIVE MONTH REPORTED SHOULD REFLECT * ( NO DATA ) * OR * ( ND ) * FOR EACH MONTH A PAYMENT UNDER THE CARES FCRA WAS UNACCOUNTED FOR, DUE TO JOB LOSS FROM MY BATTLE WITH XXXX WHICH NEARLY TOOK MY LIFE. 

I AM BACK IN THE GAME AND I AM ATTEMPTING TO REMEDY THE SITUATION AS I AM IN GOOD HEALTH AND NOW HAVE A STABLE EMPLOYMENT. DURING THE GLOBAL PANDEMIC, LIFE WAS UNCERTAIN, BUT I CAN NOW RETURN TO PREDICTABILITY AND FULFILLMENT OF MY OBLIGATIONS TO EACH FURNISHER/CREDITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1.I have attached a copy of the letter I sent them. I only received a statement but nothing else. collection Agency did not provide any documentation showing title or any agreement with me.

2. Reporting to credit agency as open/active account with a past due amount. This is an incorrect statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally raise my concerns and file a complaint about a recent issue I encountered with my credit score as reported by the credit bureau, TransUnion. 

Recently, I took the decision to lower the balance on XXXX of my credit cards, a responsible financial decision that should typically be seen as a positive action indicating good credit behavior. However, to my surprise, this led to a drastic and inexplicable drop in my credit score as reported by this agency. It appears that an action aimed at reducing my debt and improving my financial situation has been misconstrued and, rather inexplicably, punished. 

I am finding it difficult to understand the logic behind penalizing a consumer for decreasing their level of indebtedness. This counterintuitive action on Transunion 's part fuels my suspicions about potential predatory practices, as it appears to incentivize maintaining high balances and, as a result, paying high-interest rates - a situation that, I believe, benefits the credit card companies at the expense of the consumer. 

This circumstance brings to mind questions about the fairness and transparency of the scoring models used, and whether there are elements within these models that could perpetuate a cycle of debt and high interest rates, contrary to what one would expect from an organization that should foster responsible financial habits.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

There is a posted transaction on my account for {$220.00} on XX/XX/year> however I sent that money on XX/XX/year> to someone who I met on XXXX who was planning on doing my eyelash extensions. She had me send a deposit of XXXX $ that would hold my appointment with her and towards materials with my full price being XXXX. After sending my deposit of {$220.00} she then blocks me from contacting her further when I try to message her about my appointment I am no longer able to contact her. I used my boyfriends account to reach her and she blocks me on his page as well. I was charged XXXX without receiving any services that was promised. This lady scammed me and took my money and now theres no way to get my money back according to XXXX even though I paid using my debit card.
Product: Credit card or prepaid card

Comenity financial provides credit cards to multiple vendors. 

They did an update ( cyber hack ), more than likely and have had to many issue to count going on 3 months now. 

No communication about the true cause of the issue and servicing your account is almost impossible. 

Customer service is non existent and using there preferred method on internet messaging return the same canned reply several days later. 

Payments do not always get applied or even better get applied for a date preceding the date it was actually made. 

Awards are not updated and disappear depending on the day. 

This is a total train wreck of a lending institution.
Product: Credit reporting or other personal consumer reports

I have diligently disputed inaccurate information reported by XXXX, XXXX, and Experian on my credit report. Despite providing detailed accounts and outlining the violations against my consumer report, these credit bureaus have neglected to respond within the mandated 30-day timeframe. Attached are copies of all letters sent, evidencing my efforts to rectify this matter.