23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing to contest the fees applied to the final payment on our XXXX XXXX unit purchased from XXXX XXXX. XXXX and XXXX on XX/XX/XXXX. XXXX for {$12000.00}. 
The Financing was provided by Wells Fargo. 
I final payment was due on XX/XX/XXXX. 
1. I wanted to submit the payment directly though their system but could get support.

2. I then called an agent who confirmed that I had plenty of time to get it through by the XXXX 
3. I submitted the final payment for {$7000.00} I received confirmation payment was received on XX/XX/XXXX. 
4. See attached email.

5. I had no other communication with Wells Fargo, nor did I expect any, until I received a letter postmarked letter With all of the new chargers. 
6. The first Customer Service representative who told me that my bank refused the payment. That was later confirmed to be a lie by another agent who said they had rejected it. 
7. When received the letter, I resent the payment the same day. 
8. I am enclosing a copy of the most recent statement and the confirmation of the payment. 
9. Demand a refund amount of {$3300.00} 10. I have enclosed the following documents : a. The Conformation email of the original payment on XXXX and the current account summary. 

I have details to prove that I paid on time.
Product: Checking or savings account

USAA closed my account the week of payday. But a usaa employee put my account back in normal status on XX/XX/2020 for me to be able to get my money & sent me a new debit card. I am being XXXX XXXX XXXX XXXX then USAA put it back in credits only status on XX/XX/2020 because they told me my account was to be closed on XX/XX/2020. I have bills to pay but they don't care about that. 

They don't care about the undue stress that they are causing me not letting me have access to my own money!
Product: Credit reporting or other personal consumer reports

XXXX is reporting to XXXX, XXXX, and XXXX that they verified the information that I disputed as being verified from the source. I requested the name of the person at the XXXX  XXXX that they spoke with that verified this information for them. They did not furnish a name to me, but instead referred to a third-party system. I know that accuracy is key on any of these reports and so when I contacted the XXXX  XXXX  in via certified mail ( XX/XX/year>2024 ), the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Ohio responded with a letter stating that " The XXXX XXXX XXXX  XXXX XXXX  XXXX does not report any information to credit reporting agencies. '' The letter they sent back to my wife XXXX and I was postdated for XX/XX/year>2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently there was a massive data breach at Equifax. Said data breach has put at risk the financial security of hundreds of millions of Americans. 
Out society is such that our credit score deterined by this company will determine the trajectory of your life. 
In the recent events, the only option to truly protect your credit score is to enact a credit freeze at each credit agency. This will cost almost EVERY American 10 dollars per agency for a freeze and to remove a freeze. That is {$60.00} for each of the 143 million Americans for the mistake of a company performing a service that most of those Americans did not request. 
I know I do not want to pay the fee to freeze because why should I give money to the people whose fault this is. 
There should be no fee to freeze one 's credit, especially given the current circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i want it to be removed from my credit. 


1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Reporting wrong account number with XXXX. Creditor and credit bureau reported the statement included in bankruptcy on the account comments which is not allowed and Im requesting the inaccurate reporting account be removed. 24 months pay history should not be counted months after filing XXXX XXXX but the credit payment chart is inaccurately counting but just not in red. Requesting account removal due to severe inaccurate reporting to enable my ability to recover a better credit score.
Product: Checking or savings account

The bankorp Chime let and unauthorized transaction go through even after I report it to be a fraudulent transaction. I disputed the charges and the denied it. The transactions started at XXXX XXXX  al the way to XXXXtotal amount of XXXX dollars got taken away from my account. I filed a police report and reopened the case.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at : Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attacheda list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. | do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. | have attached a copy of FTC Identity Theft Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumerns, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used PayPal to make a purchase to a vendor for the amount of {$74.00}. My account is set up to use my PayPal balance first, then my primary checking account with XXXX XXXX XXXX. Additionally, there was a defunct checking account with XXXX  XXXX XXXX  XXXX XXXX XXXX still linked to the PayPal that I had unsuccessfully tried deleting multiple times over the past year and it is explicitly NOT a default payment account. However, my primary bank account at the time apparently did not have adequate funding ( resulting in an initial {$30.00} over draft free with XXXX XXXX XXXX ) and it appeared the transaction was still processed. However, PayPal then charged the defunct XXXX  account at which point I called both PayPal and XXXX to attempt to get this sorted out as this was not an account that was in use. The XXXX account incurred an overdraft fee on XX/XX/XXXX ( attached image included ) and yet another one on XX/XX/XXXX for the exact same transaction. I had already notified PayPal of this error and notified the credit union, but both sides allowed the overdraft to continue and I was charged another {$28.00} on XX/XX/XXXX. All of my attempts to get this sorted through calling and email have been met with total unhelpfulness from either company. Neither party claimed they could do anything, but PayPal then provided a letter admitting their error but said the credit union would be responsible for voiding the fees. However, the credit unions representatives denied this and claimed it was PayPals responsibility. Since then Ive made multiple calls to each institution trying to resolve this to no avail ; PayPal hides behind overseas call centers with supposed supervisors claiming everything is automatic and theyre not responsible despite bringing this issue to their attention before the transactions should have even proceeded. I want this resolved immediately with a representative with the authority to do something that isnt in an overseas call center with no accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple student loans that were provided by XXXX XXXX XXXX. However, last year these accounts were consolidated through another loan servicer and should reflect as such. When I pulled my current 3 bureau credit report I noticed there were many late payment alerts that flagged to my account based on the loans. They accounts ranges dates from XX/XX/XXXX-XX/XX/XXXX. I was in school from XX/XX/XXXX-XX/XX/XXXX. I am not sure why these late statuses were reported but I would like to get them removed from my credit report on all XXXX XXXX Accounts to ensure it is not effecting my credit score. I would like to also request to remove the account if there is no longer any balances on the accounts. 
I will submit a dispute as well from the credit bureaus side.
Product: Checking or savings account

After direct deposit was made debit card and checking account was closed
Product: Debt collection

I have been texted repeatedly about a debt that is being collected by ACR. I have texted back to them to let them know to NOT contact me other than through US Mail, and to send me something so that I may either validate or invalidate the debt. They have repeatedly refused/ignored my requests. I have also warned them that I would file a complaint, but that seemed to to nothing. I am currently at work and can not attach screenshots of the communictions.
Product: Credit reporting or other personal consumer reports

While applying for an apartment, the credit check revealed a credit freeze on my Equifax account. 

I attempted to use my login credentials to remove the freeze online, but was greeted with the message : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX ) '' On XX/XX/2024 I called that number. I was told to physically mail a copy of my social security card and driver 's license to an Equifax location in Georgia. By XX/XX/XXXX I had sent that mail as express. ( See receipt attached ) I called again on XX/XX/XXXX for a status update. I was told that once they begin the process, I would be notified through email. 

It is now XX/XX/2024. I have not received any such email. Having shipped express, I know the physical mail must have arrived by now. 

Unfortunately there is not much documentation I can provide regarding this issue. All of this has occurred over the phone. All I have is my shipping receipt.
Product: Credit card

I have the XXXX XXXX XXXX XXXX credit card. I keep getting email and mail marketing pieces saying I can get XXXX bonus miles if I refer a friend to open a XXXX credit card, and the friend will get XXXX bonus miles. TWICE I have attempted to submit my husband 's email address into their online form, which is supposed to prompt XXXX to contact him to open his account. He has NEVER received any information about how to open his account. If I call XXXX they say it 's related to the credit card and they ca n't help me. If I call XXXX they say they ca n't help me because they have n't received the request to open an account for my husband ; the only thing Customer Service can do is forward my comment to the Marketing department, which does not accept inbound calls. Needless to say, the Marketing department has never called me back. It seems as though the offer to receive XXXX/XXXX bonus miles is false advertising, because it is n't actually possible to receive the miles because we ca n't open a new account.
Product: Payday loan, title loan, or personal loan

Wells Fargo knows as well as I do I was either sold a lemon or XXXX was shutting my vehicle off. They know that and they chose to not even help me at all in this situation. And the saddest part of this I never really tried to take legal action when my family of XXXX was stranded 3 times in this vehicle, XXXX states away at that, and they are still harassing me even though I send them what I can. Then I had to spend the car payment twice because all XXXX of us had been stuck out of town twice with a vehicle the broke down 3 times. A XXXX  XXXX XXXX at that. I also tried calling XXXX XXXX in XXXX ga to get some of the money refund to Wells Fargo on the unused maintenance packages and things that where parts of the loan. Thats about {$3500.00} at least in itself. Wells Fargo refuses to harass me and my family but dont have the never to call and bother a dealership that might have the financial means to fight back. No lawyer would take our case, if they would wed go to court. Id be delighted to take all this to court. We all would including the co-signer. They all did us wrong on this. Wells Fargo and the dealership. XXXX, left us all hanging with a vehicle that didnt work for 3 months. And they still want at least XXXX
Product: Credit reporting or other personal consumer reports

I recent looked at my credit profile and noticed that I had a fraudulent inquiry on my credit that I did not give my consent for. The account consists of the following : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Aidvantage has taken over my student loan debt from Navient. To date, I have paid over {$220000.00} and had a remaining balance of {$49000.00} in federal student loans. Since the student loan relief due to covid crisis, loan payments and interest have been paused for these federal loan. I recently checked my balance and see that as of XXXX of this year, Aidvantage adjusted my bill by {$80000.00} bringing my total loan balance to over {$120000.00}. There was no explanation or notification as to why, much less is there any justification. I have contacted the company on their portal and via phone about this faulty information that they have added to my account but to date I have received no reply.
Product: Debt collection

This is a formal complaint against Rent Debt Automated Collection located in XXXX XXXX XXXX XXXX, TN, XXXX. This account is inaccurate as the CARES ACT released funds and federal funds were utilized to cover the Landlords due to the COVID-19 pandemic. In addition, under the CARES ACT, NO NEGATIVE INFORMATION SHOULD BE REPORTED. I am requesting that the item be removed immediately as it has caused duress and other unwarranted financial and economic hardship on top of the COVID-19. 
This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act pursuant to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter several times and have not received any proof from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. Also I sent a dispute letter to all 3 credit bureaus several times asking them to verify the account but I got a response back saying that the account was indeed verified. The following laws have also been violated by this company - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the consumer owes a debt within 5 business days. This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country.
Product: Mortgage

I am writing at this time to once again request that you address a complaint regarding my mortgage company, Specialized Loan Servicing, LLC ( SLS ) that I initially brought to your attention on XX/XX/XXXX. The case number for that complaint is XXXX-XXXX. I provided you with extensive documentation to support my complaint that you appeared to completely ignore. When you contacted my mortgage company, it responded by tossing-up a smoke screen full of irrelevant information that you readily accepted, and then closed my case. I responded to my mortgage company 's response, which made absolutely no difference to CFPB because nothing was done. When I again contacted CFPB to request that you address my complaint and the mountain of information that I provided, I was told that my initial case could not be reopened, but that I was welcomed to open a new complaint. Therefore, I am doing exactly as CFPB suggested and submitting yet another complaint. 

If you read my initial complaint, you will see that I filed the complaint because Specialized Loan Servicing purchased a hazard insurance policy for my home without my permission, although I have repeatedly informed the company that I have a policy. SLS also created an escrow account for the hazard insurance that it purchased, again without my permission, and has attached it to my mortgage. I refuse to pay XXXX XXXX  for the policy that Specialized Loan Servicing purchased because as I have repeatedly stated, I have my own policy. 

As I stated in my original complaint, I have provided Specialized Loan Servicing with the Declaration Page for my hazard insurance on multiple occasions and I should not have to continue to do so because of its poor record keeping. However, to bring this matter to a close, I am providing you with the Declaration Pages for my hazard insurance policy from XXXX to the present, which my insurance company readily provided to me upon my request. My hazard insurance provider would have done the same for Specialized Loan Servicing, if it had ever bothered to do its job and simply requested the documents. As you can clearly see, I currently have a policy and I HAVE ALWAYS MAINTAINED A POLICY. Contrary to Specialized Loan Servicing 's repeated lies, my policy has NEVER BEEN CANCELLED.
Product: Mortgage

A few weks ago, someone else Applied for a Home Loan under my name, address, Social Security Number and other Personal Information, I received a DENIAL OF MORTGAGE APPLICATION FROM " First United Bank & Trust Company ''
Product: Debt collection

Credit Control LLC called me about a medical debt. They requested I pay with them over the phone. I asked for a debt validation letter. They said they could email it to me. I gave them my email. They refused to give me the letter until I made a payment. I told them again I would need a letter or an email validating my debt. They said in order to do that I would need to make a payment with them right now over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against a company known as " XXXX XXXX XXXX , XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I told XXXX, TransUnion and XXXX that I had fraudulent inquiries. Due to bogus car lot in XXXX IL. Credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraudulent inquiries. I did not authorize. 

15 U.S.C 1681 section 602. A States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX 2015 a short sale package with all supporting documents was faxed to Shellpoint mortgage. The negotiator and management at Shellpoint do not return calls or provide status updates. As of today the file has been with the investor for possible approval for over a month with zero follow ups or updates to me. They do not return calls and do not keep track of documents nor do they negotiate in good faith. I have been working short sales for 9 years and am blown away at their lack in communication or consequences behind not working files properly. They need a serious overhaul and should be required to train their staff.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my Experian credit report. Even though I have submitted dispute letters and the necessary documentation to the Federal Trade Commission ( FTC ) according to your guidelines, these accounts are still remains on my Experian report. After uncovering these fraudulent accounts, I contacted the relevant company, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. 

I am puzzled as to why Experian continues to report these fraudulent accounts, especially since the other credit bureaus have already removed it. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

I hereby request a comprehensive investigation into these matter and the immediate removal of these fraudulent accounts from my Experian credit report. The company has confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.