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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

In XXXX of XXXX  I purchased a new XXXX XXXX XXXX. The loan terms were XXXX  months with $ XXXX  monthly payment. It seems, however, that XXXX dealership submitted the wrong paperwork to Wells Fargo ( the lender ) with XXXX term and {$1000.00} amount. The paperwork that's still available on XXXX website ( attached : Lending Agreement ) correctly states the {$870.00} amount the the term, which I've submitted to Wells Fargo per their request twice now. This case has been ongoing for over 4 months.

The 1st time Wells Fargo closed the case claiming they couldn't open the submitted PDF file. I called to re-open the case, which they did. This time I submitted both the lending agreement AND purchase agreement ( both attached ). XXXX ( Wells Fargo rep ) again tried to close to case claiming that she didn't receive the lending agreement ( in reality she simply opened the wrong attachment, ignoring the 2nd one ), but I was able to clarify this on the phone and she said she would double-check with her manager.

I received another callback claiming that they ( erroneously ) believe the paperwork was not signed and are closing the case. The paperwork is clearly signed on the last page, what's missing are the initials on the 1st page, which were never even requested of me by the digital signature app XXXX dealership presented me with on their XXXX at the time of the sale.Considering such obvious negligence ( not being able to open a PDF file, neglecting attachments in the email, and failure to notice the signature on the last page ), this makes me wonder if XXXX and her manager are actually doing the job they were hired to do or simply going through the motions like a zombie?
Product: Debt collection

I was notified XX/XX/2023 that DIVERSIFIED ADJUSTME {$100.00} Was placed on my report, I have not received anything in regards to this collection. This is a fraudulent account please remove off of my report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. 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 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
Product: Credit card or prepaid card

Wells Fargo is refusing to settle the amounts on my credit cards presented to them that I did not authorize or know the party, merchant or property involved, but my creditcard has been used without knowledge for these expected fees. I have presented the amounts in person to various Wells Fargo banks and nothing is ever resolved. They continue to defraud me when I ask any questions and why they refuse to answer Wells Fargo phone lines. They assign new case numbers to unknown individuals who do not respond. They fabricate continual XXXX  and continually ask for your documents that a XXXX XXXX  should obtain for a minimum of seven years. 

They are unable to provided any history on your individual opening branch account. 
They falsify when your account was opened. I have the documents to prove the history Why don't they provide those documents? They have received those documents and why don't they respond accordingly when you continually ask why nothing has been accomplished to attempt to resolve? 
I have the names of these unknowns on Wells Fargo letter heads that are incompetent of resolving. I have the calling cards of people who could never help resolve any issues. Some have been fired. 
It is very obvious that their executive office continues to defraud the public. This is public abuse and abandoment and fraud. They have found financial errors they made cheating me out of my hard earned money and can not answer any questions as to why. The local Well 's Fargo branches will write down your questions and those specific questions are never answered. Why has my bank acounts been purged? The 7 years of History has been destroyed. Where have they gone? These claims are on currently held required by law. 

The CFPB needs to investigate these people and the banks that have done this to me. 
I have the documents to be to provide as evidence.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name : ** XXXX XXXX **Account Number : ** XXXX
Product: Credit reporting

EQUIFAX IS NOT REPORTING CORRECT INFORMATION I HAD A TAX LIEN THAT WAS RELEASED IN 2014 EQUIFAX KEEPS SHOWING A TAX LIEN AND WONT UPDATE THE FACT THAT THIS LIEN WAS PAID AND RELEASED, THEY ARE ALSO CONSTANTLY REMOVING REPLACING THE SAME REMOVED ACCOUNT A FEW DAYS LATER EXAMPLE : XXXX THEY HAVE ADDED ACCOUNTS I HAVE NO KNOWLEDGE OF LIKE PROCOLLECT. PLEASE INVESTIGATE AND HAVE THIS AGENCY STOP ABUSING THEIR POWER BY REFUSING TO CORRECT INFORMATION THEY KNOW IS FACTUAL. THEY ARE INTENTIONALLY AFFECT MY CREDIT REPORT AND CREDIT SCORE. THIS IS AN OUTAGE THAT AMERICANS CA N'T GET AGENCIES LIKE THIS TO OBEY THE LAW.
Product: Payday loan, title loan, or personal loan

Hello, I used my financial institutions bill pay to issue the following payments : Check # XXXX = $ XXXX Check # XXXX = $ XXXX Check # XXXX = $ XXXX All checks were cashed by TD bank on XX/XX/XXXX however only one payment of {$1000.00} is showing on my account with an incorrect payment date of XX/XX/XXXX. I contacted the bank and let them know that they had made an error regarding the application of payments to my account. However, they said that they were unable to change my payment date. Because interest is calculated daily on my loan, this equates to theft and has allowed them to charge above and beyond what I owe. I have already emailed them copies of the checks and they still have misapplied 1 payment and still have not applied 2 others.
Product: Student loan

I have requested multiple times to change my payment plan type from an income-based repayment plan to an extended graduated repayment plan. It is my understanding that since these are federal loans, we as borrowers as supposed to be able to change our repayment plan types without much difficulty.

I have called on 3 separate occasions because when I speak to a representative they take an application, tell me it will take a few weeks to process and then weeks later I receive email confirmation that my application for the wrong payment plan ( income based repayment ) has been approved. I keep getting " approved '' for the exact same payment plan Ive been trying to switch from since XXXX and when I call it's the exact same process over and over again.
Product: Credit reporting or other personal consumer reports

I disputed on XX/XX/year> an account for XXXX posted on my credit report. This company did not have my written consent to disclose my personal information with a nonaffiliated third party. According to laws 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ).
Product: Debt collection

This account was created fraudulent l dont live in XXXX XXXX Texas l been living in XXXX XXXX XXXX XXXX my life and my residence is at XXXX XXXX XXXX, XXXX XXXX l been living here for XXXX  years and whomever got my information also have an apartment in my name as well
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Dispute of Inaccurate Late Payment Reporting - Account Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681.

I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With CXXXX XXXX XXXX XXXX XXXX  Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
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 violates the consumer protection act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Student loan

When I join the military XXXX I was told during that time, My loans would have been paid up to XXXX! I sign my life over and fought for nothing!
Product: Student loan

I cant give dates because the loans were for my daughter and didnt know I owed any money until I was notified by phone. I had to give my income information due my daughter still lived at home and was under age XXXX. I told the lady in the financial aid office I only wanted my daughter to receive money that didnt need to be paid back. I signed for her to get Grant money but my signature was then used for XXXX XXXX loans which I had no idea was done until XXXX months after she graduated and was notified the money was owed. She graduated in XXXX I think. Sorry I dont have much information but XXXX I was never sent any information and second the school she attended is now closed.
Product: Debt collection

Collection agency name : MIDLAND CREDIT MANAGEM Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I Was cheated by your vice president branch manager wells fargo XXXX XXXX IDXXXX when I opened my account I was promised that I will be able to make transfer onlain. He promised me everything that I asked. He didnot tell me that I need SSN and US phone number. I told him that I live in XXXX and was not going To US again. I was cheated. I am not able make wire transfer or domestic transfer onlain. When I call them, they always promised me that call me back. But every time they cheated me. 
I am a XXXX and permanently live in XXXX and I am not able to vizit a bracnh. I submitted complain to Office of the Comptroller of the Currency My Confirmation Reference Number is : XXXX The OCC is an independent bureau of the U.S. Department of the Treasury.

I submitted complain to Consumer Financial Protection Bureau ( CFPB ), Confirmation Number XXXX. Ps I had already had problem with your bank and it was solved after complain and your bank even sent me a XXXX as gift.
Product: Credit reporting, credit repair services, or other personal consumer reports

We began using Credit Recovery Consultants in XX/XX/2018. We were shown blacked out credit reports of people with bankruptcy that improved from low 500 scores to high 700 scores. We were told that since we didn't have any bankruptcies or judgements we could probably get the credit fixed within 60 days. XXXX XXXX charged us the $ 800+ dollars to tell us to pay off our credit cards ( {$8000.00} ), get a secure credit card ( {$300.00} ) and a few other things. While the credit card pay off improved MY credit some it did not improve my husband at all as he was not on the cards. We continued through the process to the end and did everything asked of us. In XX/XX/XXXX, yes ... way beyond the 60 days quoted, I tried calling XXXX multiple times to see why our credit had taken a dive. No answer. When we finally got ahold of him two weeks later he stated it was because a line of credit had been closed ( although, he was the one who submitted the information to the credit bureau to have it closed ). He then, without my permission used my credit card he had on file to charge a credit monitoring service for {$49.00} each for me and my husband. At the end, my credit showed little improvement and my husbands had shown no change. When we would call to ask XXXX what steps to do next, he literally had no idea about the file, what had been disputed, etc. PLEASE save your money and don't waste your time and hope with this man. This is a total scam.
Product: Money transfer, virtual currency, or money service

Re : XXXX and XXXX The information they sent did not explain the PROCESS they used The " report '' was basically copies of letters they had sent me and my bank statement. It did not include any details about investigation into my claim. Wells Fargo is inconsistent on who is reimbursed and who is not from these scams. 

I saw this article, and I want to re-open my claim for reimbursement. 

XXXX XXXX XXXX
Product: Credit card

I have filed multiples disputes on an incorrect charge for a hotel. I first disputed it XX/XX/XXXX and then XX/XX/XXXX. On XX/XX/XXXX I was charged twice by XXXX XXXX XXXX, once for XXXX and a second for XXXX. The first was an incorrect charge on a cancelled stay, the second was a duplicate charge. The hotel confirmed the cancellation of the stay and only provided a refund for one of the transactions. I filed a dispute with Chase for the second duplicate charge and they keep rebilling me for the charge with no communication. Over the phone they said a letter was provided to me on XX/XX/XXXX and there is no such letter. I get electronic notifications and letters. 

Chase has failed to correct the duplicate incorrect charge from the vendor and failed to provide adequate communication and notice when rebilling. 

This is having a severe impact on my health and wellbeingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the impact of their negligence is severe. This is a lot of money and I need assistance with ensuring they are treating me fairly.
Product: Debt collection

To Whom It May Concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, I have listed the item and account number below : ( XXXX XXXX, as account has been deleted from XXXX ) I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual ( s ) who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Now mid Atlantic doesnt want to give me a location where the car is and they are constantly hanging up on me on purpose. 
They are charging XXXX repossession fee plus they said there is a administrative fee that the repossession place will charge and separate storage fee ontop of the past due amount. They changed the fees from XXXX. Online to XXXX then they said the full amount is XXXX because XXXX to pay over the phone then the book value of this car XXXX right now and I want to pay it off and have my title but they refuse to negotiate. The car has been in accident on the rear panel of the right side the panel alone cost XXXX the rear fender is about XXXX the car has XXXX miles the car is old XXXX XXXXXXXXXXXX XXXX and they are asking for {$7100.00} and the credit bureaus all three have incorrect reports of the balance and the car tag price initially XXXX deceptive practices XXXX XXXX XXXX never gave me all the documents complete of this transaction lied to me about the price of this car. I would be willing to negotiate XXXX to buy this car remove the repossessions from my credit and give me the title. They will not get anything for this car at an auction they are also threatening me to pay the XXXX in XXXX days or it will be auctioned without sending me a letter at all just verbally over the phone
Product: Debt collection

Wilber and Associates , P.C . has contacted me non stop in regards to a crash were I was the uninsured driver and where XXXX XXXX sent my claim directly to them for debt collection with a report with the Wisconsin XXXX indicates that I had the right of way and the other vehicle crashed into me. Wilber again just called me after they took second payment from me to state that no payment was done and I needed to pay otherwise I would be breaking the law and my license would be taken and what not. Again I attempted to resolve the issue and set up payment although I dont believe I was in the wrong. They have also filed documents and I have received letters from the XXXX stating that I need to pay an even larger amount to the XXXX or my license will be revoked and the owner of the vehicle will as well. This is wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have XXXX issues with this collect agency, the collection company never notified me that I owe this debt nor did they give me 30days opportunity to pay being i didnt know of this account and by law please respond with proof of a certificated document that I owe this debt or that I had the opportunity to dispute it, please delete this debt fro my credit immediately until I receive documents stating I owe this debt and profit that it is mines as well as time review
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXX BANK XXXX XXXX XXXX - XXXX - {$360.00}