23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX I was forwarded an email detailing how I was affected by the Wells Fargo XXXX XXXX XXXX incident. For years I was unaware I was personally affected because the official email alert was sent to an incorrect email addressmy sisters. 

I then contacted Wells Fargo on XX/XX/XXXX and an associate confirmed that I was in fact affected and that XXXX was added to my loan starting from XX/XX/XXXX. I then told the associate that the vehicle was purchased on XX/XX/XXXX and all bill of sale paperwork including proof of insurance was provided to Wells Fargo Dealer Services that day. The associate asked that I forward the proof insurance and then informed they had approximately 100 days to respond. 

On XX/XX/XXXX a Wells Fargo XXXX Settlement XXXX responded via email and stated the {$21.00} check that was cashed on XX/XX/XXXX under the Settlement Allocation Plan for the XXXX policy was my refund and that I was not eligible for additional payment. I responded via email requesting further assistance while explaining that their illegal actions of inappropriate billing caused my XXXX-related vehicle repossession, which was also in violation of the SCRA as I was/am in the XXXX. I was then sent an email stating they were sorry that their previous response did not fully respond to my inquiry and then referred to help pages. 

Recently I was made aware of the fine imposed on Wells Fargo due to their illegal practices and read they would contact affected consumers. As of XX/XX/XXXX I have not received any correspondence since the unsympathetic XX/XX/XXXX email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Discover Services to Update my current credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible
Product: Mortgage

I purchase this property thirty-four and half years ago. In XX/XX/XXXX I refinance for {$200000.00} we had the finance crisis in XX/XX/XXXX and I got behind with my mortgage payment. I working with an organization for a loan modification under the HAMP program. In XX/XX/XXXX I was approve and there was a deferred payment of {$190000.00}. I have learn that this amount had a lot of fees that should not have been included in the deferred amount. The loan is with Ocwen Servicing LLC loan number # XXXX the property is located at XXXX XXXX XXXX XXXX Ma XXXX.
Product: Prepaid card

My card was stolen and I filed the complaint with American Express and they have not refunded the money I lost during the event nor made any additional contact with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, Thanks for reading this letter, I have 2 issues my first issue is with the Equifax Reporting Agency, I was late on my XXXX XXXX Credit Card for being in the XXXX  from XXXX, for 6 months during that time my credit dropped over 100 points, I contacted XXXX XXXX and they removed my late payments with documentation, I looked at the score increase and it only went up 2 pts, I would like to know how you can take a 100, but when corrected only give back 2 pts, also I have unauthorized inquiries in which I have disputed several times asking for proof that I was the one that made those inquiries and they tell me they cant remove, this is illegal if it is not mine ... .. I feel like this bureau is not fair according to the Fair Credit Reporting Act .... The inquiries are 1. XXXX, XXXX, XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, I did not make these inquiries nd I want proof that it was me that did I have contacted these creditors as well ... .. this company Equifax does not treat customers fair according to the law ... .. also there is a collection on my report that is not my debt I have ask for verified proof that I had a account with XXXX XXXX XXXX XXXX have disputed this item over and over this item should not be on my report, could you please look into this matter I am very sick and need my credit to get hospital care ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made by the consumer XXXX XXXXXXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, Equifax, and XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an items listed on my credit report. I have thoroughly reviewed my records, and I firmly believe these items have been inaccurately reported, which is adversely affecting my credit standing. Despite my previous letters I sent, these fraudulent items still exist in my report. This discrepancy raises concerns about the accuracy and validity of these reported items. Here are the items I would like to be deleted : XXXX XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$1300.00}.
Product: Debt collection

XX/XX/2018. sent letter asking to validate the debt, but ignored my request. still no validation of debt, placed it on credit!
Product: Debt collection

I open a account with XXXX on XX/XX/2016.current amount {$1300.00} Ive been on financial hardship and arent able to pay. I was never notified on how to dispute this. I have tried calling to settle but havent come to a conclusion.
Product: Debt collection

My past students loans were all discharged and I have it in writing by the US Dept of Education/Nelnet XXXX unit. Yet they are harassing me demanding I pay the student loans in full and threatening to garnish my wages. US Dept Education XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal decided to take unilateral action to restrict my account and hold my funds. I attempted to transfer an existing account balance of {$5800.00} from PayPal to my linked bank account. PayPal decided to " Deny '' transferring my balance to my bank account, permanently restrict my PayPal account access, and hold my balance of {$5800.00} for 180 days. When I contacted PayPal, they offered no resolution other than to sit and wait the 6 months to receive my money back.
Product: Student loan

After graduating from my for-profit school XXXX I found it hard to find a job. I called my loan provider XXXX now Navient, and they told me to get a forbearance. I ask them if there was any other ways to help with my loan and I was told no. They told me that I would not have to pay on my loan but interest would still grow. This went on until XXXX and I found out about income base repayment plans. I have been enrolled in that since XXXX. In XXXX I ask about low forgiveness since I work for the XXXX. They told me my loans did not qualify and I would need to re-conciliate my loans and that my prior year payments did not count towards the 10 year forgiveness. I wish they would of let me about income base repayment plan in XXXX and less interest would have grown.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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

My name is XXXX XXXX. I know I am a victim of Identity theft and I started this process and took the correct procedure to get the fraudulent activity off my report over a year ago, XX/XX/XXXX to be exact. The account and inquiries still continue to report even after a full year. This is ridiculous! I not only filed a police report, I also faxed and sent all documents certified mail. I also have hired an attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX   located at XXXX XXXX XXXX XXXX XXXX  Al XXXX. He has noticed several breaches in the FCRA committed by XXXX, EQUIFAX and XXXX. This has to stop. Here is a list of all the accounts and inquiries that are fraudulent.

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  {$950.00} Bankruptcy chapter XXXX -petiton filed/US BKRPT CT AL XXXX XXXX  INQUIRY- XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INQUIRIES 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  Chapter XXXX bankruptcy filing/US Bankruptcy XX/XX/XXXX ref no. XXXX I have never filed bankruptcy.. this is under a different name XXXX XXXX XXXX   {$790.00} XXXX XXXX XXXX XXXX  {$1600.00} All these accounts and inquiries don't belong to me an I have the proof to show that. I have reached out to each creditor and informed them of the fraud that took place.

As my lawyer XXXX XXXX stated in our claim, we feel as if these individuals ' are responsible for their bureaus negligence and non compliance with the FCRA and will be named on our lawsuit XXXX XXXX XXXX EVP Compliance and Litigation XXXX XXXX   XXXX XXXX XXXX Executive Vice President XXXX XXXX   XXXX  XXXX XXXX Director Fraud and Identity management XXXX XXXX   XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX   XXXX XXXX XXXX Director-XXXX  Consumer Interactive Servicing XXXX XXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX@equifax.com XXXX XXXX President Equifax LLC XXXX@equifax.com XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX@equifax.com XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX@equifax.com XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX@equifax.com XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax LLC XXXX@equifax.com XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX@equifax.com XXXX XXXX XXXX Customer Service Manager at XXXX XXXX  NCAC Email : XXXX XXXX XXXX Operations Manager XXXX NCAC XXXX XXXX XXXX CEO CEO XXXX   XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX  North America XXXX XXXX XXXX CEO North America XXXX XXXX   XXXX XXXX
Product: Checking or savings account

JP Morgan Chase took over First Republic Bank. They are now converting my old accounts with First Republic Bank to JP Morgan Chase. They have set the default account type and fee structure on all of my accounts to the highest fee option available to them even though my accounts do not qualify. 
I called multiple times. I mostly got robots. Once I did reach someone one they told me the decision was based on " many factors '' but they could not tell me what factors. 

I believe JP Morgan Chase is doing this intentionally to trick all transferred accounts to incur unjustified fees. 

They sent multiple packages ( XXXX ) of pages of information that is dense, confusing and incomplete. I carefully reviewed all pages and I can not find out why they have chosen to set all of my accounts to the highest fee option possible even though none of my accounts qualify. This is a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Jefferson Capital Systems Inc continues to allege I owe a debt I do not. Under the Fair Debt Collection Practice Act Jefferson Capital Systems should have sent me a notice of my right to dispute this debt before the information was sold to credit bureau to be placed on my consumer report. I have received no such notice and I dispute this debt as belonging to me and have no contractual obligation to Jefferson Capital and refuse to pay this debt.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$860.00} XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$610.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$900.00}
Product: Debt collection

XXXX  CARDS SOLD MY INFORMATION TO XXXX PARTIES.
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 XXXXXXXX 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, 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 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

I filed and was approved for a forebearance in XX/XX/XXXX. Freedom Mortgage approved this forebearance for the month of XXXX and XX/XX/XXXX. Then they came back after telling me the back payments would be put on the back end of the loan and requested that I double up on my payments in XXXX and XXXX. They advised me no late fees would be charged if I paid the double payments timely. In XXXX and XXXX of XXXX, I doubled up on the payments, did not nor was I ever charged a late fee. In XXXX of XXXX, this Mortgage Company put a negative report on my credit history stating I was late with my Mortgage which is hurting my credit. 

I think and believe they did this to get back at me for filing a complaint against them. 

I want this negative untrue report to be removed from my credit rating.
Product: Debt collection

XXXX XXXX Action towards Cavalry SPV I , LLC for violating fair debt collection practices in the State of New York. 

Concern : This is a complaint about Cavalry SPV I , LLC, a debt collector disclosing personal debt information to neighbors. This action has taken place about three times ; also, I am unsure of the legitimacy of their documents. 

My name is XXXX XXXX, and on Midday, On XX/XX/XXXX, an overzealous server used unscrupulous tactics when she came to the home at XXXX XXXX XXXX in XXXX, New York, on behalf of Cavalry SPV I , LLC. During this time, this woman franticly began ringing the doorbell multiple times as if it's an emergency. 

For months I have been ill with a XXXX condition called XXXX XXXX that makes me very weak to the point of bed rest, which I am also receiving XXXX XXXX that are similar to XXXX. ( I am not allowed to have much public interaction due to a XXXX  immune system ) On this day when hearing the doorbell ring multiple times as if someone was lying on the bell. My caregiver, in a panic, went to the window. When asking the person to identify themselves, this female server mumbles her name and says " yeah '' she was looking for XXXX XXXX. When told she is not available, the woman was asked to leave. This rude woman begins to yell out loudly, " I am looking for XXXX XXXX. " I have a court order summons from a debt collector to contact her '' " XXXX XXXX, anyone, I have a court order summons 's from a debt collector trying to reach her ''. She not only repeats this loudly three times! she begins to laugh about it, according to the caregiver. 

My caregiver records this yelling over her cellphone and gets a call from the downstairs neighbor before she brings this to my bed. My downstairs neighbor goes to her window and tells the woman her name is XXXX XXXX, and no one has seen XXXX  XXXX in some time and asks her to leave. The women repeat her rant to her and says Ok, XXXX XXXX, but I see a mailbox. The neighbor informs her again that she is not XXXX XXXX. The mailbox does not have anyone 's name on it. The server then puts the court notice in the mailbox without an envelope laughing and walking away, according to both the caregiver and the downstairs neighbor XXXX XXXX. A photo was taken as to how the server put the notice in the mailbox with no envelope allowing XXXX XXXX to read the notice. 

Three other neighbors were outside and witnessed this women 's behavior. When they heard her yelling, the neighbor who has a camera on their home mentioned she might have recognized this woman doing this before. She also stated the possibility of seeing this woman before performing this unruly tactic for several years in what she perceives as XXXX and XXXX neighborhoods for another company XXXX collections. 

On XX/XX/XXXX, another notice was placed in the mailbox, this time in an envelope. 
Under 2014, DFS 23 NYCRR 1, a regulation to reform debt collection practices by debt collectors, including third-party debt collectors and debt buyers. Cavalry SPV I , LLC. Is responsible for the actions of the people they hire and the breach of privacy.
Product: Credit card or prepaid card

Discover is reporting that I have missed 2 payments. I have paid {$300.00} a month for over a year. I have been unemployed for over a year so {$300.00} a month is all I can afford. I have not missed any payments.

I realize {$300.00} is less than the minimum payment. Discover combines 2 payments I send to cover the minimum payment for one month and then reports I missed a payment and they charge me late fees, which has put me over my credit limit so the amount I owe them continues to rise, as the {$300.00} I send is not enough to cover the interest and late fees.

According to my Discover statement it will take me 48 years to pay them. 
Interest charged as of XX/XX/2019 : {$1500.00} Late fees : {$220.00} In the meantime my credit score drops monthly.

I have tried numerous times over the past year to come to some type of payment arrangement.

Discover Card admits they have record of receiving {$300.00} a month.

Discover calls me up to 5 times a day.

Discover states they will not work with me unless I give them access to my bank account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card by Citi bank I was very clear what I asked for. I asked for confirmation of debt which is my wet wet signature. I am the original creditor not you. 
These are your violations 15 usc 1692J. It is unlawful to design, compile, and furnish any form knowingly that such form would be used to create the false belief that the consumer owes a debt. The United States government has been under bankruptcy since 1933 which means they can not pay their bills.

12 usc 1431 Banks can not loan money because they are the borrowers.

42 usc 408 Asking for a social security number on any loan or credit transaction is a crime because we have no lawful money.

Where is my 1099C form for cancellation of debt. City bank already received tax payers credits so they need to cancell the fake. Debt.
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 XXXX XXXX XXXX. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : 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.