23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Wells Fargo Dealer Services repossessed my car two times. The I was unable to make payments because I was on XXXX and my doctor was negligent in filling out my XXXX forms, which caused a delay with my payments. I sent Wells Fargo Dealer Services hardship letters along with proof, asking for leniency. My car was repossessed for a second time and I was required to pay my remaining balance in full. I tried to inform Wells Fargo Dealer Services that I was on XXXX and my payments were being delayed because of my doctor. Wells Fargo Dealer Services was malicious, very rude when speaking, and unwilling to help my situation in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and re-aged account information on my credit file after I disputed it. They were advised that the company did not possess a license to do business in Virginia and that the account information is inaccurate. They claim they investigated and placed it back on my account. The company is NOT LICENSE ; therefore it CAN NOT be properly validated the account has been re-aged.
Product: Student loan

All of my student loans have been forgiven under the rules of XXXX, effective XX/XX/XXXX. Forgiveness took almost all year, was done in increments, and was completed in late summer, and I was still making payments through XX/XX/XXXX before I was put in forbearance to wait for the forgiveness process to complete itself. 

However, MOHELA, the servicer assigned to me, never reimbursed the payments I made that exceeded the XXXX payment PSLF requirement. I am owed reimbursement for payments made after my effective forgiveness date, and MOHELA has ignored my questions about when this reimbursement would occur, and, in fact, has communicated nothing about reimbursement.
Product: Student loan

I 'm writing because I am not able to make payment on my loans. When I stared out my loans were with XXXX now they are with Navient. They keep collecting interest, even though I was on a forbearance. I would like to have them delegated off of my credit report because it 's hindering me.
Product: Credit card or prepaid card

XXXX investigated the following listing, XXXX XXXX XXXX XXXX  XXXX XXXX ..., on my credit report. Upon completion of their investigation, they deleted the referenced item. I was notified of the investigation and subsequent deletion. 

USAA continues to list the item, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ..., on my USAA Accounts, claiming the bankruptcy is a primary reason for my credit report being low. 

It appears USAA is artificially lowering my credit score on their website and/or my accounts and charging me a double digit interest rate insisting the information is still being reported and/or provided to them by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the terms of the loan, the loan should show a status of forgiven ( or closed ) on my credit report. XXXX Bank has incorrectly reported the loan as a charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match.

XXXX XXXX  # XXXX  First you published inaccurate balances of XXXX  and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with XXXX XXXX. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications.

I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting an account by the name of XXXX XXXX  opened on XX/XX/2021 for the amount of {$250.00}. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transuion numerous times that I am a victim of identity theft. The XXXX XXXX account that is reporting on my credit report does not belong to me. I didnt not open it or have anything to do with it. and I would this fraudulent account removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/year> I submitted a complaint - complaint number XXXX. This was in regard to a dispute for XXXX through afterpay. Although US bank did resolve the amount disputed and credited the account they did not however reverse the overdraft fees that were caused by this. The overdraft fees are over XXXX dollars. Following this, I locked my card ending in XXXX, US bank has allowed transactions to continue to be debited from my account even though my account has been overdrawn because of the XXXX that was debited from my account. this has now led my account to be overdrawn over XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX  XXXX XX/XX/2021 2021
Product: Mortgage

I am writing to file a complaint in regards to the loan modification process with bank of America. I applied for a modification in XXXX of 2015, submitted requested documents, never received a response XXXX way or the other. I called and submitted another request and was verbally told that the initial request had been denied because of erroneous information. I immediately made another request, submitted almost XXXX pages of documentation and now the bank is asking for a quit claim deed to proceed. I do n't understand why a quit claim deed is needed when it holds no weight and I have told the lender that I have no idea how to contact my ex husband, we have a divorce decree in which I provided to the lender that shows that the Petitioner which is myself was keeping the marital home. A quit claim deed does nothing, plus in the mortgage instrument it says you are not supposed to transfer title that 's grounds for foreclosure. I am months behibd and trying to resolve this issue, I do not understand why the lender needs a quit claim deed, even if I got one drawn up from an attorney, I have no contact information for my es husband so that would be a waste of money and time. I also have a problem with how long the lender is taking to render a decision. All of this time, the foreclosure action is still active, seems like if you are working with the lender on a modification, the foreclosure clock should stop until a decision has been rendered. I understand that a modification is not guaranteed, however during conversations every two to three weeks with the customer relations Manager, it sounds as if I qualify and meet the criteria and all that 's needed is this quit claim deed that holds no weight. My home is in foreclosure due to the lender sending multiple fed ex packages to the property address after I notified them that the property was a rental property and that I resided out of state, they knew this yet they sent so many XXXX envelopes to the property, it scared the tenant and she stopped paying rent, which caused me to fall further behind. I ended up filing a Chapter XXXX to hopefully to remedy the arrears, tenant stopped paying so I could n't keep up the Chapter XXXX payments and the mortgage, I informed the lender every step of the way about all of this, I had to take the tenant to eviction court, it took six months to get her out, I acquired a new paying tenant so I 'm asking the lender to attach the arrears to the principal balance, extend the loan term to 30 years and/or increase the interest rate. I do n't want to refile Chapter XXXX in this matter when I know there 's a better way with a modification.
Product: Checking or savings account

On XX/XX/XXXX Citibank closed my account without reasons, my checking and savings account, after closure they said i will receive any money in the accounts in a check. I waited over three months to receive those checks. On XX/XX/XXXX I received both checks, for mu savings and checking accounts, I deposited the checks in my current bank but the checks weren't valid So I contacted citibank to let them know and they can send new checks. The first time they told i will receive the checks in two weeks, never got them. I called again and they told me same thing again that i will receive the checks in two weeks and again never got them ( i recorded the call ). I went multiple times to the branch and they couldn't help me. Finally, on XX/XX/XXXX i went to a branch and spoke to the manager and she opened a new case for the bank to send me the checks, I received a check for my savings account for {$120.00} but not the check for my savings for {$1000.00}. 1 received a letter from Citibank saying that if I haven't receive the check i could go to a branch to get the check, i did went to the branch and they told me they couldn't help me and couldn't give me the check, that they have to open a new case again for mw to receive the check. It's being over 5 months and im still fighting for the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially went to a website looking for a USDA loan, I think I ended up on a scam site.. the lady told me that I should first setup to repair my credit, and then they would help me get in a home. So after i ended the call with Lexington law, i thought they would transfer me back to who transferred me there, but the call ended and I was never transferred back to the USDA loans rep. 
So I thought things were fishy from the beginning. I called in after i made my first payment and expressed my concern that i was being scammed, ( in that they were taking my money and not really doing anything ), They told me I had to wait for the items to come off, I told them that I do not want to pay for no action. So i made another payment. 
Because of the covid-19 epidemic and still no results of removing anything from my credit report, i called them on or before XX/XX/XXXX to have my account terminated because i felt I was being scammed, and I specifically said that. They said OK, no problem and sent me a confirmation of cancellation to my email which I can provide all email correspondence when requested. 
These guys are awful! I disputed my last transaction, and after seeing the lawsuit already against them, i went ahead and had all of them disputed. If you need anything at all please let me know.
Product: Consumer Loan

We have XXXX different loans with Tower Loan - XXXX with the office in XXXX, MO, the other with the XXXX, MO office. We are in financial trouble and I sent both a letter last month that we have hired an attorney to explore our options. It states to contact the attorney and not us. XXXX was the first month that we did not make a payment. The XXXX office sent us a right to cure letter, the XXXX office is calling us multiple times per day and threatening to take the collateral from us. The manager XXXX yelled at my husband.
Product: Debt collection

We have reached pout to Jefferson regarding this fraud debt. The original address is nt associated with me in no shape form or fashion. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has been reporting my account to the credit bureaus, as a " charge off '', when it was not a " charge off ''. This account was " Paid in Full ''. This was for a car loan and Santander sent me the release of lien. If the account was a charge off, they would not have sent me the release of lien. I have disputed this with the credit bureaus numerous times since 2015. I have even sent Santander letters to correct this and they did not respond. I have also had a lawyer send them a letter and they did not respond ( attached  ).    Santander Consumer USA   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XX/XX/XX/XX/XXXX On XX/XX/XXXX, I called into TransUnion after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from TransUnion. 
I called into TransUnion many times in reference to disputes that I had placed with TransUnion, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. I waited, but got no response. The next few times I called into TransUnion, I was told that Transunion couldn't Identify who I was, and they were so nasty to me on the phone that they hung up on me yet, again. The next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would'nt place a block on my Credit FIle as I suggested until these disputes were resolved. So my file stayed unlocked. In XXXX, I was told to mail in documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and a letter to state what I was disputing in the Credit reporting. Via Potal Mail. After doing so, I did receive some correspondence back from Transunion at my updated physical address in XXXX of XXXX which was after submitting the documentation. However, The disputes of my name, address and some of the reported Creditors, balances, had been looked into. But, hardly any of the information that I disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at TransUnion in the past usually while in the middle of a phone call with them. I have had to call them back many times. 
Since XX/XX/XXXX  and until, XXXX XXXXXXXX my efforts seemed to have proved little to resolve the issues. As of XX/XX/ my name, correct address and other information have been re introduced to an area of where the errors were first. So, as of this date XX/XX/XXXX ( XXXX XXXX ), my mailing address and name are not correct and any correspondence they ( Transunion ) sends out is not coming to me. I have asked this Company to update at least my address according to the USPS CHange of address form I sent in to TransUnion. However, there now seems to an ongoing issue where this Agency is refusing to do so and Im asking for assistance to have this incorrect reporting stopped.
Product: Credit reporting or other personal consumer reports

Ive found errors on my report tied to 15 USC 16c-2. Unauthorized inquiries are affecting my credit; please delete them.
Product: Student loan

The government is garnishing my check twice make it very difficult to pay my bills ... ..I am working for a non for profit company for 10 years.
Product: Credit reporting or other personal consumer reports

I CONTACTED JPMCB SEVERAL TIMES TO REMOVE THIS AUTHORIZED USER CREDIT CARD ACCOUNT THAT I DIDN'T HAVE IT NOR ANYONE IN MY FAMILY HAS IT. I'M NOT RESPONSIBLE FOR THIS ACCOUNT AND I'M REPORTING IT AS IDENTITY THEFT DUE TO I DIDN'T AUTHORIZED IT. THE ACCOUNT # XXXX AND ITS OPEN ON XX/XX/2023 XXXX WHEN I CALLED JPMCB THEY SAID IT WAS UNDER XXXX XXXX XXXX AND I WAS AN AUTHORIZED USER UNDER HER ACCOUNT. I TOLD THEM THAT A GENTLEMAN NAMED XXXX XXXX XXXX STOLE MY WIFES IDENTITY AND HE WAS IN JAIL FACING IDENTITY THEFT CHARGES AND CREDIT CARD FRAUD CHARGES. THEY SAID THE ACCOUNT WAS CLOSE DUE TO FRAUD AND XXXX NOR I WAS RESPONSIBLE FOR THIS ACCOUNT. THEY STILL HAVE NEVER REMOVED THIS ACCOUNT FROM MY CREDIT FILE. REMOVE NOW OR LEGAL ACTIONS ARE COMING FROM ME AND MY WIFE XXXX. JPMCB KNOWS AND HAS REPORTS THAT SOMEONE OPENED THESE ACCOUNT IN XXXX XXXX WIFES NAME AND STILL IS TRYING TO HURT ME AND MY WIFE.
Product: Credit card

I had agreed to the company payment arrangement. When the company withdraw from my bank account and I waited for the bill statement to show that I started making payments, nothing was posted for four months. The company kept posting to the credit bureau that I never made a payment. When I called the company customer service every time, they would state that I would have to wait for it to update in the system but in the same time they keep taking my money and sending to the credit bureau I haven't paid my bills. For now, it's been 6 months going to 7 waiting for an update.
Product: Mortgage

Bank of America scammed and stalled and deliberately caused unnecessary harm. Please see attached Lawsuit against B of A and XXXX.
Product: Money transfer, virtual currency, or money service

I met this man thru on XXXX not long ago and we was talking this morning and got on the subject of me not working anymore and Long story short he said he wud help me. So he sent me {$50.00} thru paypal. {$53.00} all together because the way he sent it cost him a fee. I never even see a payment like he sent b4. Anyway right after he sent it I go to the transaction and says my account has limitations to verify these transactions. 1 transaction turned into me having to verify 3 times pretty much the same way. They said what was ur transaction for, I won'ted to say none of ur business. Anyway the man has a business paypal account and he said his payments come out like that. The payment had me having to create a shipping label and stuff I said I ain't never seen a payment like this. I told paypal on all 3 verifications that all it was was somebody sending me money an didn't know the difference in goods and services or friends and family that's it. Then I tried to refund the money and they wudnt let me, then wudnt even let him request a refund. This was XX/XX/XXXX a lil after 1 when the money was sent. I tried to call support and the operator wudnt put a human on because she figured she cud do everything. So I waited and waited I was hungery I was getting something to eat with that money, eventually I check my email and there a message from PayPal saying thanks for being patience were reviewing ur submissions let u know it 72 hours ... I was nice then then another message saying I sent ur submissions to the backend team there reviewing this and that. Then I said what'd there to review? A man send the money the wrong way by accident that's it problem solved. Then they said something about another 72 hours and hope I'm happy with there assistance and thanks for being a valuable customer. I said easy for somebody with money to say im waiting 72 hours for my money to feed my family I dnt plan on being a valuable customer much longer. I have all the screenshot but long story short they said I cudnt withdraw my funds til 120-180 days and I blanked on them. Didn't even tell me why so all I'm pose to think and know is because I received money from someone that sent it wrong. Something i have no control over. I have screenshot from the man saying his account is like that this ain't the 1st time he had this problem and what not. I dnt even use paypal much in almost 3 months only have XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has viol

ated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year.
All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requireme nts 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 cons
umer not later than 21 days before the payment due date.

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!