23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) WF was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; XXXX. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 19 - 20 ) Thus, XXXX improperly billed and reported inaccurate payment history to the XXXX and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/XXXX 2020
Product: Debt collection

These items were unauthorized and resulted in my social security number being used fraudulently.
Product: Vehicle loan or lease

Wells Fargo reposed my vehicle back in XXXX time frame for what was extra fees added to my payment without my knowledge. I made payments every month biweekly by automatic withdrawals. I never received a letter or anything expressing that my payment was increased from the original loan amount. When I called to see what was going on they explained that I owed so much money within 48hrs or I would not be able to get the truck back. I was able the secure a loan with a local bank for the full payoff and when we called WellsFargo they instructed me and the bank we had to provide the pay off check by XXXX XXXX because a wire transfer was not adequate. They then said that by the time they received the check it would be past the 48hr time line so I would lose the truck regardless. So now I am checking to see if I would qualify for the pay out that was reached in the most recent lawsuit. 

Thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app inc. due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process is unfair and do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This has caused significant inconvenience and financial loss and I seek appropriate actions for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX  with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX. All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information.

2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.
Product: Credit card or prepaid card

I was one of their customers who was affected by Hurricane Irma. XXXX XXXX did assist us by removing the amounts due and waiving some fees, which I was extremely grateful. Now, as we move bank into the fold of things, my XXXX 's XXXX is having some issues and when I called and spoke to XXXX, she advised that she would send the matter to her manager. It has been a week later and the problem still exists. 

I found our that XXXX removed the XX/XX/XXXX and XX/XX/XXXX 's payments that were due and credit reporting would cease during this time. No fees would be assessed. I would receive statements saying nothing was due and the ones that showed due, would not needed to be paid. I got this information from other representatives I spoke to with other XXXX store cards. 

I got a statement showing {$27.00} was due on XXXX XXXX, 2017. I did n't think anything of it because the website showed XXXX due the entire time. I began to worry when I started getting emails that my account was past due. It showed {$0.00} past due and to pay that amount. It made no sense. I finally got a chance to call and XXXX said that yes, I should n't have received them, etc etc. 

I am still getting notices and the website has a disclaimer at the bottom advising ; Alert : If you 're facing financial challenges, may be able to help. Please call our Customer Care team at XXXX. Again, it shows nothing due. I have screen shots and statements of everything.
Product: Credit reporting

I have not applied for no credit cards and there is some on my report. Also on the medical issue oin 2016 was suppose to be insured
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The majority of personal information on my report from earlywarning solutions is incorrect. The following email XXXX ' ( XX/XX/XXXX ) is not mine. My birthdate is not XXXX XXXX XXXX ( XX/XX/XXXX ) '. My birthdate is not XXXX XXXX, XXXX ( XX/XX/XXXX ) '. My previous address was not XXXX XXXX XXXX XXXX XXXX XXXX XXXX '.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block., inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ).
Product: Checking or savings account

On XX/XX/2023 I contacted the bank to open a merchant dispute agains XXXX transactions made with my debit card ending in XXXX. 
claim numbers : XXXX, it was approved XXXX, it was approved XXXX, it was approved but these XXXX claims were closed saying that the transaction was never posted to my account, and it was. As you can see in the attached information ( screen shot of my account ) so the bank closes these XXXX cases by error and didnt proceed with the chargeback requested, even I sent all the information requested by the bank to process the claim. 
XXXX, closed by the bank, mistake XXXX, closed by the bank, mistake
Product: Debt collection

I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) GOLD KEY CREDIT INC ; and 2 ) XXXX XXXX XXXX XXXX I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can/t be provided i demand these payments be updated to on time as they should be as i was Never late. thanks
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I am not liable for this debt with RESURGENT/LVNV FUNDING.I do not have a contract with RESURGENT/LVNV FUNDINGThey did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing about the account that has been settled long time ago. Its a closed account from XX/XX/XXXXXXXX  which i closed in settlement but it still appears on my credit report as negative and affecting my credit score. 
Here are the details about the account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXXXXXX  Last payment date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I've identified incorrect details on my credit report that fall under 15 USC 16c-2. I believe this inaccurate information is negatively affecting my credit standing, and I did not authorize these inquiries.
Product: Credit reporting or other personal consumer reports

I need the following identity theft items removed from my credit report. 


Name XXXX XXXX That is not my name. 

Address XXXX XXXX XXXX XXXX XXXX  XXXX I have never been affiliated with any of those names or addresses. I have attached the drivers license, utility bill and the ftc report relating to those items.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/2018 and XX/XX/2018 but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Product: Checking or savings account

I received a call from Chase bank telling me my checking account is being closed and when I asked why the response I received is we cant tell you but rest assured no one can override us. I asked again when I was transferred to a supervisor why and they said again we cant tell you and you signed a document agreeing to this when you opened your account years ago but we are cutting ties and you need to find a new financial institution and we will send out a check from your account with in 30 businesss days, I asked for a copy of this document and was told no and hung up on. This started with a complaint to the FDIC about a XXXXXXXX XXXX Chase complaint for the loss and refusal of repayment in the amount of {$750.00} to my checking account from a internet scam that XXXX agreed to place back in my account but Chase refused and then said let this be a life lesson to not get scammed and be a smarter person
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified several inaccuracies that require immediate attention : Valley Collection Services should be removed from my report as it shows inaccurate information that does not match the other bureaus.
Product: Mortgage

I'm making pricipal only paymemts, but my mortgage company reversing my payments saying insufficient funds, I called my bank to checked they told my mortgage company is trying to attempt twice and first one going through and second one failing with insufficinet balance because it's considering second one as new payment at that point. example let say I have {$3000.00} in my account, I paid XXXX, mortgage company processing {$2500.00} and some reason it thinks failed, but my other bank processed, and mortage company again retrys the same now it's insufficient fund because at that point it's trying to tap on second payment with same amount. 

With above issue mortgage company start changing overdraft fee for failing insuffient fund, I called multiple times to explan the situation they all say system does automatically they XXXX ; t have any further information. I have been tried many time, it's not helping I'm getting charged overdraft fee due to faulty system and also loosing the intrest when i suppose to save due to this pricial payment. 

Please help me resolve this issue, I can provide exact date that reversal and balance in my accounts.
Product: Checking or savings account

I received a Citibank debit card in the mail under my name. I've never had an account with Citibank. The following day I received a reminder ( from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to activate the card with a PIN that was provided. I did not active the card. 

I had called Citibank the first day and spoke to a rep... he said he could freeze the account and that I would get a letter in the mail about the investigation. The second day when I received the reminder to activate it ... I called again but was not able to get through Also, I singed up with XXXX and noticed a hard inquiry with XXXX XXXXXXXX. I never applied with XXXX XXXX, In another incident, received a credit report from " XXXX '' that I never requested... I never even heard of XXXX. I called them and they said they would send me a letter about the investigation. It's been over XXXX months and nothing so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the Creditor XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the Creditor XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX  Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

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

My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX  XXXX and XXXX XXXXXXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.