23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Multiple contacts made with outside family members and their employers. Also contact made with general acquaintances of mine. All were told I was trying to be located regarding many different scenarios all of which were lies. Credit card and bank information was requested from the contacts by stating I had given their phone numbers ( many I do not personally have ) and statements were made saying I had made payment arrangements that involved outside parties having to divulge their private credit card and bank information for payment of my debts and so the caller was calling to request that information from them. Also when I contacted the company I was told that for {$60.00} I could get my loan out of default, clear my credit report, be able to qualify for new loans and All I had to do was pay {$10.00} initial payment and {$5.00} a month for 10 months. The company refused to send me a copy of my bill and refused payments unless I set up automatic credit card payments. This company has my correct address phone and email but yet still calls my familyand their employers as well XXXX my acquaintances and misrepresents the purpose of their calls. The company is enterprise debt collector.
Product: Checking or savings account

I filed a complaint with the CFPB in response into the false information that wells fargo put in a response for a previous complaint. Today I received a phone call from a rep telling me that she had till XXXX to get back to me. I asked her if wells fargo was going to take responsibility for wasting 18 months of my time and energy for lying and providing incorrect information to me. She said that any punishments would be in house within wells fargo. I asked about compensation due to the treatment from employees that have violated their code of ethics and got no response. How is this fair? They allow employees to treat customers so poorly and get away with it. Wouldn't this be a form of defrauding the customer? I know for a fact that I am not the only one that wells fargo has done this to. Lying to customers, providing false information to customers should all be punished and the customers that have been mistreated should be compensated for their time and trouble. How is it fair to let a company mistreat and abuse customers? Abuse does not have to be physical, but can also be mental. Wells fargo has been XXXX XXXX  me for almost 19 months now, and what? They get a slap on the wrist? I have started asking other online about their experiences with wells fargo and guess what they are not all good. Im sure that the CFPB has been receiving numerous complaint regarding their business practices and their lack of customer service. When is enough going to be enough for the CFPB to do something? When will wells fargo be punished for what they do to customers on a daily basis? I gave wells fargo the chance to make this right. They had every opportunity but they chose to lie to me, they chose to pass me around to over 40 different employees there were ALL on different pages. Misinformation from almost everyone about what was actually going on .It just reinforces the fact that wells fargo does not care about theirs customers. Wells fargo needs to compensate me for the past 18 months of XXXX that I have put up with, all of the mental abuse they put me through, all of the lies that I was told. Enough is enough
Product: Mortgage

I applied for house loan and was denied. Recieced denial XX/XX/scrub> 2024 and responded several times throughout the past months.
Product: Vehicle loan or lease

I was recently hospitalized after returning from my trip to the XXXX XXXX. I was in the hospital for 3 months. During that time I was out of work. Westlake Financial closed my account without any warning and charge off my account. Now they are refusing to release my title. Not only did they cause issues with my employer Im dont have my case title. 

Im at the end of my loan, and theyve placed me in a hardship because of their illegal reporting
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I am writing to formally dispute several items on my credit report that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my Experian credit report dated XX/XX/year>, I found that the following accounts include inaccurate or incomplete information : XXXX XXXX and XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. The accounts listed above do not meet this standard, as the information is either incomplete or inaccurate.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a con
sumer is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the credit bureau must : 1. Promptly delete or modify the inaccurate information, as appropriate.

2. Notify the furnisher of the information that it has been modified or deleted.

Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. By reporting and maintaining these accounts, the furnishers and the credit bureau may have
violated my rights under this section.

I request that you investigate the accuracy of the above-listed accounts and take appropriate action, including : 1. Deleting or correcting any information that is found to be inaccurate, incomplete, or unverifiable. 2. Notifying me of the results of your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ). I have enclosed a copy of my credit report with the disputed accounts highlighted,
as well as any supporting documentation to assist in your investigation.

Please note that I expect a response within the legally mandated timeline of 30 days, as outlined in the FCRA. Failure to comply with these requirements may result in further action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I sold my XXXX via XXXX and was paid via PayPal on XX/XX/XXXX. PayPal requested information on the sale including such items as tracking number- which I provided. Even though I provided the requested information, PayPal closed and locked my account without providing specifics why. I contacted PayPal and they could not provide any information, nor could provide me the option to transfer my funds. I am requesting that PayPal disburse the funds in my account totaling {$370.00} to the bank account linked to my PayPal account.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their repeated failure to respond or resolve my dispute within the mandated XXXX timeframe, as well as the numerous inconsistencies and inaccuracies in the reporting of my credit information, specifically regarding the account with XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX. 

Despite multiple attempts to address the discrepancies in my credit report, Experian has continually neglected to provide a timely resolution to my dispute, thereby violating my rights under federal law. This prolonged delay has resulted in significant financial hardship and undue stress. 

Furthermore, I am disputing the egregious inconsistencies being reported by Experian regarding the XXXX XXXX XXXX XXXX account. The discrepancies in last activity dates, on-time payment percentages, and the number of reported late payments between Experian, XXXX & XXXX XXXX XXXX and unacceptable. 

I demand an immediate escalation of this matter and a thorough investigation into all discrepancies related to the XXXX XXXX XXXX XXXX account. I insist on being updated at each step of the investigation process and provided with documented proof of any and all late payments reported by the creditor. If no proof can be provided to me please do not verify late payments and adjust my account as " paid on time '' It is imperative that Experian takes prompt and decisive action to rectify these inaccuracies and ensure the accuracy of my credit report. I demand that the XXXX XXXX XXXX XXXX account be thoroughly investigated and either corrected with documented proof of any late payments or removed from my credit report altogether. 

Failure to comply with these demands will result in further action, including legal recourse if necessary. I expect a prompt and comprehensive response to this complaint, outlining the steps Experian will take to address these issues and restore the accuracy of my credit report. 

Attached is my initial dispute which is over 30 days, proof of my identity, and proof of inconsistencies and inaccuracies made by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed and I've written, letters to each Bureau and TransUnion, XXXX, and XXXX have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

XXXX Confirmation : # XXXXXXXX XXXX XXXX # XXXX TransUnion : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.
Product: Mortgage

In XX/XX/XXXX I fell 2 months behind on my payment FHA loan to Wells Fargo. 
I applied online for the HAMP modification and began correspondence with a representative XXXX I have every thing ever promised in writing. 
He advised I cease correspondence with WF and sign a retainer with them at which point they would become the " representative ''. 
I would pay them a fee once their Underwriter approved it HAMP eligible. 
It took almost 3 months before my trial priod / retainer costs began at XXXX each payment. Of which i paid on time as agreed. 
Once that retainer period ended I received notification in an informal email telling me what i had been approved for by the lender being Wells Fargo and my new rate and terms. 
My initial rate was 3.875 % 30 year fixed They increased my rate to 4.25 or higher My payment which was XXXX and change then lowered to XXXX I was to make my first new trial payment to WF on XX/XX/XXXX of which i did. 
I then receive my bill for XX/XX/XXXX which states my XX/XX/XXXX payment was received but " unapplied '' It also stated that i was XXXX deliquent and my escrow now had a shortage due to non payment leaving my true new payment just under XXXX The paperwork was extremely demanding whereas online HAMP was supposed to be streamlined and fast. 
No one replies to me with written proof of the calculations used to determine the findings or result of such initial trial to Wells Fargo. 
Simply, if you do not sign with in 24 hours this offer will be null and void. 
I am seeking a class action law suit for borrowers who have attempted the HAMP loan and were not exactly helped but damaged tremendously from such actions. 
Because of the late payments now reporting on both my credit and my poor mother who helped me co sign ( since I was divorced ) they demanded i not pay I am now unable to apply for credit. 
Now, only to be left with a XXXX back payment on my note An Escrow Shortage A possibility of losing 50 % custody of my children if I have no home to provide. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX I am writing to demand the removal of inaccurate personal information from my report being maintained from your bureau. 
I have reviewed and identified these inaccuracies to your company twice already with XXXX results. 
You continue to list my name on my report as XXXX XXXX XXXX despite my submitting a copy of my state Id as well as a copy of my social security card and a copy of my current utility bill. 
Please note that the inclusion of such inaccurate information can have a detrimental effect on my credit worthiness and may affect my ability to obtain credit or loan approvals. Furthermore I appreciate your assistance in notifying all third party entities, including financial institutions, creditors and any other organization that may have accessed my consumer report about the removal of these inaccuracies. This will insure they have the most up to date and accurate information regarding my personal details. In compliance with the FCRA, I expect a thorough investigation to be conducted after receiving this letter. Additionally I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter!!!
Product: Debt collection

I have concrete evidence to prove that a few of these debits that occurred between XXXX to present are the result of someone stealing my Identity. This evidence includes documentation by government agencies showing where I lived during those years, witness statements, and other pertinent information that clearly demonstrates I was a victim of identity theft. 
Furthermore, I can attest that I was never served by any plaintiff or officer with a court date related to a few of those case 's. I had no knowledge of the legal proceedings taking place against me, and therefore, was deprived of the opportunity to defend myself in court. I have only ever lived at the below addresses : XXXX : my fianc and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX : living with my older sister at XXXX XXXX XXXX XXXX Ca XXXX : XXXX. Homeless Shelter/Halfway house XXXX : Homeless XXXX : i lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lived on XXXX XXXX just off of XXXX XXXX XXXX i lived on XXXX XXXX just off of XXXX and XXXX XXXX : I was serving in the XXXX, my duty stations were- XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my Experian XXXX report sent to me via mail.
Product: Credit reporting or other personal consumer reports

I requested validation and proof I was given the option to opt of having my information shared with a XXXX party. I sent this to the Department of Education and Equifax. Equifax removed the items on XX/XX/year> dispute # XXXX, then put them back. The Department of education has not provided any information with me. I have multiple disputes with you and they have not responded to you either. Please have all XXXX credit reporting agencies remove these accounts from my reporting file : XXXX XXXX, Equifax, XXXX, XXXX. accounts are : Last XXXX of Account number Current Balance 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 card or prepaid card

this is more of a general complaint about Credit Card companies in general and specifically in regards to Wells Fargo. I made a one time payment for the amount that was being show as my " Outstanding balance. '' I do not remember the exact amount, however after making the payment I went about my life assuming that the debt was paid in full. I found however that there was apparently {$10.00} left over as the result of a lingering interest charge that the company assessed at the end of the billing cycle. This is a deceptive practice, when I am presented with an option of " Outstanding Balance, '' I am led to believe that this is the amount to discharge my debt and result in a {$0.00} balance. In the event that the companies can not live without that fractional interest payment, they should have to offer a " pay off '' amount similar to car and mortgage payments. This is more transparent to the consumer and less confusing. In my situation, I was about 10 days from having a missed payment on my credit report, luckily I did not treat the communication from my financial institution as spam. I wonder how many people are adversely affected by this practice?
Product: Student loan

Late XX/XX/2020 I received a letter telling me that Fed Loan servicing could not approve my public service forgiveness because my employer did not put his name and title on the public service employment certification form. I researched and saw that the information was indeed on the form. I called the FedLoan servicing company and asked why they sent me the letter because the information is on the form. The man I spoke with reviewed form I submitted and verified that the employer representative had included his name and title. He said he would correct the mistake. 

Today, XX/XX/2020, I received a letter dated XX/XX/2020 stating that FedLoan servicing could not approve my public service forgiveness because my employer 's EIN was missing from the form. This is NOT TRUE. The EIN is on the form. All required fields were completed on the form. I find it egregious and irresponsible that this organization is not properly doing its due diligence to ensure that they are properly managing consumers ' form when they send in the requested required paper work. Their ineffectiveness, incompetence, and inefficiency is causing me undue and unnecessary stress during an already stressful time ( Coronavirus pandemic ). 

I have attached a copy of the document that I sent to them. My PII is redacted.