23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Certainly, here 's a draft for your complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX XXXX handling of COVID-19 deferment for credit card XXXX in XX/XX/year> : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX XXXX Date ] Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX regarding their handling of the COVID-19 deferment for my credit card account XXXX in XX/XX/year>. Despite the assurances provided by XXXX XXXX regarding the deferment, their actions have resulted in significant financial losses and have tarnished my creditworthiness. 

In XX/XX/year>, as a responsible customer, I requested a deferment on my credit card payments due to financial hardships caused by the COVID-19 pandemic. XXXX XXXX assured me that the deferment would be processed promptly and would not negatively impact my XXXX XXXX XXXX XXXXcur additional fees. However, their failure to fulfill this promise has had dire consequences. 

Instead of processing the deferment as promised, XXXX XXXX erroneously reported missed payments to the credit bureaus, resulting in a significant drop in my credit score. This inaccurate reporting has not only cost me thousands of dollars in lost credit opportunities but has also impugned my character and financial responsibility. 

I have diligently adhered to the terms and conditions set forth by XXXX XXXX and have never defaulted on any payments prior to this incident. Therefore, I find it unacceptable that XXXX XXXX 's negligence has unfairly penalized me and undermined my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from Experian and XXXX. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.
Product: Debt collection

no idea what the debt is for!! reached out to company CAC Financial by mail, no further info was received. My medical is cover 100 % by the XXXX XXXX clinic that my family visits so there is no way to have a outstanding balance,
Product: Credit reporting or other personal consumer reports

I value your help too remove a portion of the data on my credit file that came about because of fraud yet I have an items passed on that should be taken out or remove.Per FCRA segment 605 you are expected to eliminate any records recorded on a XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Bank rate is advertising a 2.41 APR a 15 year fixed on XXXX. This rate is absolutely not available in any market, is misleading, and is in my mind false advertising. This is not the interest rate, this is the APR which includes points. There is no way this rate is available. I have checked rates and they are over 4 % currently
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022
Product: Vehicle loan or lease

I paid off my car and received documentation on the payoff, but not the title on XX/XX/XXXX. This was with Gateway XXXX. However, at this time Santander had purchased Gateway. I originally filed a complaint after not being able to contact Santander in XXXX. CFPB XXXX # : XXXX Santander mailed me a letter following this complaint on XX/XX/XXXX stating that they released and mailed the title on XX/XX/XXXX. This date makes no sense as it was paid off in XXXX. They also said that a release of lien letter was requested on XX/XX/XXXX, and will be mailed out to me to take to the DMV to obtain the title. This was never received. 


I don't have a loan # or account with Santander, as gateway was the original loaner, and the loan was paid off at the exact time Santander purchased Gateway.
Product: Checking or savings account

On Saturday, XX/XX/2024, I received a notification on my phone saying that XXXX had had charged my credit card and they were not authorized to do so. I immediately contacted USAA Federal Savings Bank to report it and to file a dispute. I spoke to several representatives who assured me that the dispute was going to be submitted to the proper dept. The Dispute sat idle without anyone 's review for 3 days until I call on XX/XX/XXXX to follow up on it. That very same day I was told that it was not assigned to a Dept as of yet. I was then placed on hold for 10 min without anyone else coming back on the line to inform me of what the outcome of my request was. I spent 3 hours on the phone with no progress. Again, I was told that it was submitted and it actually was not. After asking to speak with a Supervisor, I was placed on another 7 min hold to then be told that they had to transfer me again after which the call was disconnected and I has to call back again and repeat myself all over again. After speaking with a Representative in the Member Resolution Team, she pretty much sounded like I was bothering her and didn't care to here my complaints about why my dispute is still still in queue. At this time, my Checking Account is in a negative status because of the current Dispute. On Tuesday, XX/XX/2024 I called back again to find out the status of the dispute because I still didn't see a response on the status. I was yelled at by one of the USAA Representatives who was very unprofessional and she too disconnected the phone during our conversation and me trying to get info as to what was going on with my account. On Thursday, XX/XX/2024, I woke up to overdraft fees in my checking account due to the dispute which cause my account to be overdrawn and they refused to remove the overdraft fee although they didn't notify me that Overdraft Fees were now back again because at one point they took it away and said they will no longer be charging members overdraft fees. So I called USAA again at XXXX EST again and spent 1 hour on the phone to find out about some merchant refunds that was being deposited into my account but I was not able to get any more because the money was all being eaten up because of the Account being in a negative status. I asked if I can get my refunds back and the Rep was rude and said not until the Dispute is completed. I was also told that someone would call me back after filing and no one has returned my call as promised.
Product: Debt collection

Hi, I was illegally sued by Wells Fargo Bank in XXXX XXXX, Florida and forced to file for bankruptcy in XXXX. The cases were dismissed twice by the court but a corrupt lawyer hired by this bank illegally appealed the dismissals. I filed a complaint with this office and my case was never solved. The case number with this office is XXXX. As a result I had to discharge in bankruptcy more than $ XXXX illegally charged to me and living with bad credit for XXXX year. I havent been able to buy another house or get a decent job. Please Help with the XXXX  committed by this bank.
Product: Debt collection

I recently reviewed a copy of my credit report and I noticed I had data breach and fraudulent account on my consumer report. These accounts that I have listed is in accurate and false information consist of personal credit cards account and closed auto loans account and third-party account I never seen before. I disputed these accounts with Trans Union and I never received the response or removal of third-party fraudulent account fraudulent auto loans fraudulent credit card account and hard inquiries I have reporting I disputed these accounts on XX/XX/year> dispute ID number # XXXX I request all fraudulent accounts will be removed immediately. Consumer credit law.pursuant to FRCA at 605B ( 15u.s.c.s 1681c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX  statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to Experian. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXXwith the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX  failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX : XXXX XXXX XXXX- {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$66.00}
Product: Mortgage

I am a real estate broker and have a property listed ( short-sale ) XXXX XXXX XXXX, XXXX, Ca. The negotiator/closer approved the short sale last week XX/XX/2016 with a closing to happen XX/XX/XXXX, this Friday with the current buyer. 
I made DiTech aware that this is a short time to close. Today I requested an extension on the closing date to remove some liens off the title of the property that we are awaiting clearance from the lien holders, and they denied my request saying they will not extend this close date because property foreclosure date is on XX/XX/2016. I again asked for an extension of XX/XX/2016 since it 's before XX/XX/2016 and they denied it. 

The sellers and myself have done everything possible to avoid foreclosure, and it is unfortunate DiTech is not reasonably cooperating.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}
Product: Checking or savings account

i received a call from the caller ID phished number for my bank Truist on XXXX. They told me there was unauthorized attempt through my XXXX attached account for {$1000.00} and {$2000.00}. They asked for the last XXXX of my social and had my text them my login information. I spoke with my banking institution later and they told me there was no fraud attempts and that they were not going to monitor anything further
Product: Mortgage

Wells Fargo ( WF ) /Americas Servicing Company ( Loan # XXXX ) - Delay tactics in attempting to get to a loan modification ; The WF specialist assigned to my file does not ever pick up phone or respond to voicemails ; Many other WF specialists assigned and reassigned in the prior years, I was always asked for new information once a new specialist is assigned ( another delay ). Only XXXX opportunity for a loan modification granted by WF two years ago and rejected for reasons set out by the " investor '' WF would not communicate the reasons for rejection. I have been employed and earning more than enough to pay off the loan via a modification. Faxes I sent are not on file, notes from my conversations with representatives and with the Office of the President are not on file, and they are asking for documents I already sent on numerous occasions ( i.e. hardship letter ) I 'm skeptical about WF record retention systems for email communication and faxes they received from me and others. When it was time to resolve WF 's request for a subordination from the XXXX lender on the loan ( yet another delay tactic ), WF 's title department would not communicate with a second lien holder ( XXXX XXXX ) because they just will not do that. I waited for months! and even after I submitted a written authorization to do so on my behalf, WF did nothing to assist with my attempts to modify the loan. I 'm exhausted from years of frustration in struggling to just get an opportunity to modify my mortgage and an opportunity to pay off my loan. WF representatives say they are there to " help me '' but they are just a facade and keep delaying the process and clearly their management hopes time runs out. WF asks for more " updated '' information every month. They are clearly interested in keeping my loan in foreclosure status and they are hoping that I just go away and stop my communication with them so they can foreclose on the home as allowed under the rules ( unacceptable ). I missed my mortgage payments 5 years ago and I 'm still trying to get an opportunity to get a modification. I 'm exhausted and emotionally drained from this struggle to get an opportunity to pay off my loan and keep my home. I have nowhere else to turn for help, hopefully CFPB can help. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am disputing a hard inquiry placed on my credit report by Macys ( XXXX ), reported on [ XXXX XXXX Date ]. I contacted XXXX to request removal since no credit was extended to me, and no account or service was opened. They confirmed that no credit was issued but refused to remove the inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, for a hard inquiry to remain on a consumer report, it must be both authorized and tied to a credit transaction. Since no such transaction occurred, this inquiry should not legally remain. 

I am requesting the CFPBs assistance in having this inquiry removed from my credit report.
Product: Consumer Loan

I purchased a computer for a XXXX that I lost XX/XX/XXXX. The remaining balance on the loan was {$2500.00}. I began receiving several telephone calls, and numerous dates to appear in small claims court from Kohn law firm, XXXX, WI. and XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Judgement was ordered on XX/XX/XXXX. Telephone calls from XXXX and court dates began XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. As of XX/XX/XXXX I have paid seven monthly payments to them in the amount of {$990.00}. I explained to them that my husband is ill with XXXX and I am the sole provider for my family at this time. I have gone to court for this several times, and I have sent them a " cease and desist '' letter to stop harassing me with court dates. TODAY XX/XX/XXXX I have been served again for contempt of court. This was for the court date ordered on XX/XX/XXXX with XXXX XXXX. I was there, I have written notes in regard to our conversations with someone who had not even looked at my file before threatening me with the fact that they can send me to court every week or every month if so needed. I asked how can you do this when I have paid you " monthly '' for the last seven months? And will continue to pay until the balance is paid off? Because I would not give him the " name '' of my current employer, ( I am not allowed to receive contact at work, In this day and age anyone and everyone can do a " background '' check. That is how I got my current job ). This is why they sent me to court today. For contempt. He said he would be sending me to court for this. I also sent a " cease and desist '' letter certified mail on XX/XX/XXXX. They signed on XX/XX/XXXX. I am at my witts end with this KOHN law firm. I feel I am being harassed by this company every 45 days. I am going to go to court again and present my case " again '' to the judge, with my notes from the XX/XX/XXXX meeting, my " paid '' receipts to this company, and the numerous harassing they have applied to me. I am filing a complaint with you and with the XXXX ( 4th time ). Is there anything else that you can suggest to get them to stop wasting the tax payers money, adding more money to my balance, wasting the court house and judges time, and my risk of loosing yet another job from this company. ( I lost another job XX/XX/XXXX from having to take time to be in court ) PLEASE help in XXXX. Thank you.
Product: Student loan

Within the past couple of years, I have has so many issues with the student loan servicer NELNET. It all began in XXXX XXXX, this was my last semester in school. My parents had already warned me that I needed to make sure that I filed for a deferment or set up a payment plan because the damage that student loans could do to your credit would be life changing. I began being contacted via mail in early XXXX XXXX about my loan payments and I quickly went off the information needed for a deferment. I never received confirmation that I was approved or denied. The lettters stopped and I did n't worry. In XXXX of XXXX, I received a letter informing me that Nelnet was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate set up payments and asked why I had n't received any letters regarding the end of deferment. At the time I was informed by the phone representative that she did not have access to that information but with automatic payment the late-payments would be removed within a year. Since XXXX XXXX, I have been in constant turmoil with Nelnet. I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXX XXXX via an email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation for anyway. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just XXXX it up and deal with the damage toy credit.