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

I was loaned over {XXXX to purchase a new XXXX home. The loan was only recently sold by Bank of the West, the orignial loan institution, to XXXX Bank. We made XXXX payments as per our contract. They now say that we owe over XXXX. This does not add up. We requested a payment history. They provided it but it is convoluted and it shows that some payments were made entirely to interest, not principal. We can't get a straight answer as to why our payments were made to interest. They are threatening action and we feel that they have illegally applied our payments. Our credit is above excellent and we feel this might jeopardize it. Our contract was for a fixed interest rate of XXXX for XXXX years and can be provided to you for your review.
Product: Credit card

I contacted American Express today to find out why I did not receive the XXXX refer a friend points, as promised by a previous customer service representative. Unfortunately, this was the WORST customer service experience EVER! I initiated the call with XXXX ( Agent ID XXXX ). XXXX was ARGUMENTATIVE, UNPROFESSIONAL, AND XXXX! XXXX REFUSED to allow me to speak with a manager and she REFUSED to provide me with a contact number for the corporate office in the United States. However, she did allow me to speak with her supervisor XXXX ( Agent ID XXXX ). Unfortunately, XXXX 's customer skills are WORST than XXXX 's. Like XXXX, XXXX REFUSED to let me speak with an English-speaking manager in the United States and he REFUSED to issue the XXXX points. However, XXXX did provide me with a fax number and mailing address for AMEX. Why do I need to write a letter? Why ca n't I pick up the phone and speak to someone? I did not have to write a letter to apply for this sorry XXXX credit card! Nonetheless, when I asked to speak with a manager, XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX was EXTREMELY RUDE! She stated there are procedures to follow to get the XXXX points. I told XXXX I followed the procedures to the best of my ability, as they were extremely vague. XXXX continued to TALK OVER ME and REFUSED to help. Therefore, I asked to speak with a manager in the United States. XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX REFUSED to help me. She REFUSED to give the contact information for the regional manager " because they do not take calls. '' Also, XXXX REFUSED to give me a contact number for AMEX Corporate Office. XXXX stated she is in XXXX XXXX, XXXX and she is the highest person that I can speak with. I told XXXX I am going to contact the XXXX and the Consumer Financial Protection Bureau. XXXX stated, " Whatever suits you. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am formally disputing the accuracy of several items on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, you are liable for damages if you negligently fail to comply with the law regarding the accuracy of consumer reports. 

Below are the accounts I am disputing due to inaccuracies or unverifiable information : XXXX. XXXX ( Account # : XXXX ) Listed as a collection account with a balance of {$1400.00}, opened XX/XX/XXXX. I do not recognize this debt and request full verification or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Listed as a collection account with a balance of {$1500.00}, opened XX/XX/XXXX. This account contains outdated and incorrect information. 
XXXX. XXXX XXXX. ( Account # : XXXX ) Listed as a collection account with a balance of {$1000.00}, opened XXXX XXXX, XXXX. I dispute its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Listed as a collection account with a balance of {$840.00}, opened XX/XX/XXXX. I request verification or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX accounts with balances of {$670.00} and {$700.00}, both listed as collection accounts. I dispute their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account shows a charge-off of {$5400.00} with an inaccurate reporting history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account shows a charge-off of {$1900.00}, last payment reported as XX/XX/XXXX. I dispute the validity of this listing. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account with a balance of {$740.00}, opened XX/XX/XXXX. I request verification or removal. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account closed but shows a charge-off of {$2100.00}. This should no longer be reporting as a negative item. 

According to 15 U.S. Code 1681i ( a ) ( 5 ), inaccurate, incomplete, or unverified information must be corrected or removed within 30 days. If you can not verify the accuracy of these accounts with concrete documentation from the original creditors, they must be deleted from my credit file immediately.

Please provide me with a written response detailing the results of your investigation. If these errors are not resolved, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore legal options to enforce compliance.

Enclosed, you will find copies of my credit report with the disputed items highlighted and any supporting documentation. Please address this dispute promptly and provide a confirmation letter upon resolution. 

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

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/25 EQUIFAX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report I am writing to formally Dispute Inaccurate Information On My Credit Report that I believe is harming my financial well-being. I am aware of my right under the fair Credit reporting act and request a thorough investigation into these inaccuracies, As required by federal law. 
Recently, The consumer financial protection bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, Citing " Sham Investigations '' and other unlawful practices. These practices as outlined by the CFPB, include : Conducting inadequate Investigations that fail to address consumer disputes properly. 
Reinserting previously disputes and Inaccurate Information without explanation, Failing to notify consumers about investigation results effectively, These allegations highlight systematic issues that directly undermine consumer protections and perpetuate inclusions of Inaccurate Information On credit reports. I am deeply concerned that my Dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention a serious violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts listed have improperly disclosed my personal information : XXXX XXXX XXXX XXXX XXXXXXXX This breach of confidentiality has caused me significant distress and has compromised my privacy. I demand that immediate action be taken to rectify this situation and ensure that my personal information is handled in accordance with federal law. 
Please provide confirmation of the steps taken to address this violation and prevent any further unauthorized disclosures of my personal information. 
Thank you for your prompt attention to this matter.
Product: Mortgage

My old loan company sold my loan to the new loan company Caliber home loans and in the process a payment I made was lost on the loan companies end but they still took my money. I made two payments to the old loan company on XX/XX/XXXX, and XX/XX/XXXX and two payments to the new loan company XX/XX/XXXX, and XX/XX/XXXX. The payment on XX/XX/XXXX is missing and both loan companies dont know where its at.
Product: Checking or savings account

On XX/XX/24 I received a phone call from Wells Fargo that I have a fraudulent charge for XXXX dollars from XXXX XXXX. I disputed the charge with Wells Fargo and filed a claim. Also replaced my card. On XX/XX/24 Wells Fargo determined there was no error on this transaction and will not refund my money. I attempted to file another claim to dispute this and Wells Fargo said this is the final decision. Wells Fargo told me to contact the merchant via the phone number on the transaction and the phone number doesnt work. Wells Fargo told me to go to the merchants website which also doesnt work.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account: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 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX , CT    XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX , CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These 3 account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact  information. 
**Collection** XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, ( Payment is for my XXXX mortgage payment ) I purchased a Cashier 's Check from my Bank to pay for my mortgage. I went to the XXXX office and certified the mail to them On XX/XX/2023. I received proof of delivery on XX/XX/2023. The XXXX XXXX Mortgage stamped the Cashier ' check that they received on XX/XX/2023 ( The attached check and proof of certified mail are included on this claim ) On XX/XX/2023, I received a check from XXXX XXXX Mortgage for {$2300.00} which was the Cashier Check that I had mailed to them XXXX weeks prior in a different envelope reach out to them by phone they advised me that my escrow account is short they have to make up for the shortage of fun I will need to send both payments together I advised the agent to note in their systems that payment had mailed to them but they return it because of additional fun needed to make up for short escrow account. After speaking with the agent I mailed both checks back to them as agreed on XX/XX/XXXX, XXXX A few weeks later they reported. My payment was never late, and XXXX decided to return the original payment that was paid on time. This is not my problem if they decide to return the original payment due to escrow being short of fun. I should not be considered late.
Product: Credit reporting or other personal consumer reports

Tonight, I was really taken aback to see incorrect accounts listed on my credit report, and I have no idea how they got there. I check my report regularly, and everything has always been fine, but this time, discrepancies appeared out of nowhere. I even tried refreshing the page, thinking it was a glitch, but the incorrect accounts stayed. Im asking for a thorough review of the documents Ive submitted so I can have peace of mind about this.
Product: Student loan

Having my federal loans approved for dismissal under the Biden-Harris Administration since my school The XXXX XXXX XXXX XXXX engaged in unlawful conduct, i applied for the Navient School Misconduct Application . I attended the XXXX XXXX XXXX XXXX between XXXX. 

After submitting my application with ample evidence, navient said i did not qualify. the reason they gave was : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' The fact that The U.S. Department of Education loans will be discharged based on an ED finding that XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment and this conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, is a clear indicator that all loans should be discharged whether federal or private. Navient needs to resolve this issue immediately.
Product: Credit reporting

On XXXX XXXX, 2015 Transunion had removed XXXX from my credit report as of today XXXX XXXX, 2015 it was added back to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied credit because of experian. i called them to request report. they would not send it and told me to go to XXXX XXXX XXXX. i went to the site and they still would not send it.
Product: Checking or savings account

WELLS FARGO BANK HAS FROZEN MY ACCOUNT AND I CANT DEPOSIT OR WITH DRAW FUNDS
Product: Credit card or prepaid card

On XXXX XXXX, at approximately XXXX hours, I was at my local XXXX attempting to buy cleaning supplies. Unfortunately, I learned at that time that my card was declined. I had just been paid XXXX days earlier, so I knew there was some mistake. I 'd been sick and my charges were very localized to XXXX XXXX, XXXX XXXX Now, my son 's lunch money account, and that pretty much covers the charges in these last few days. When I called NetSpend using the number on the back of my card, and was not given any reason why approximately XXXX had been removed from my card, unaccounted for, and why my account -- which was XXXX years old -- was shut down. 
Several Netspend customer service reps said that Netspend was not responsible and XXXX -- their cards ' issuing bank -- was responsible. For XXXX to XXXX hours on the phone, we were transferred to customer service reps who lied outright or prevaricated. At XXXX point, XXXX customer service rep purposefully forwarded us to XXXX XXXX which requires a card number to even proceed. Ultimately, the system hung up on us as we were on the line with a XXXX rep who was listening. We also had both reps on the phone and they were caught in various deceptions. 
We were told that a check with my money -- they talked to both me and my wife -- would be sent in XXXX business days, but according to other consumers, this may be a lie : XXXX XXXX XXXX When we finally received some sort of answer, we were told that his account was locked for fraudulent activity, which is a lie. We spoke to supervisor XXXX, employeed ID # XXXX, and she indicated that XXXX is not responsible but Netspend is. Netspend said the reverse was accurate.
Product: Mortgage

I have been trying to have my escrow account removed for 45-60 days with Lakeview Loancare Servicing . I started with an email request and never received a response. I then followed with a phone call and received information. I made the necessary payments and never heard anything back and then followed up again on XX/XX/2022. I was told that I needed to submit a written request so I then did that and was told to wait up to 10 days for processing. After 14 days on XX/XX/2022 I followed up because I had not seen an adjustment on my account. I was then told that my escrow account had a balance and needed to be paid. When looking at the transactions on the account I noticed that the servicer magically paid {$8.00} for a hazard insurance payment and then credited the payment back. On XX/XX/2022 I called again and the servicer can not tell me who the payment was made to, for what reason the payment was made, and why I show a {$0.00} escrow balance but they saw I have a balance and therefore are refusing to cancel my escrow. 

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

I've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) Account XXXX XXXX {$85.00} 5 ) XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N n accordance with the Fair Credit Reporting act the following 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 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

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$6100.00}
Product: Mortgage

Ocwen has constantly harassed and left door tags at our home when we have not been late. Our mortgage is current and our payments have been doubled. I ask about the fees and extra charges but never get a explanation. They have also not accounted for payments causing late payment fees which we should never have had.
Product: Debt collection

XXXX XXXX XXXX XXXX in Arizona phone number XXXX contacted me saying I owed a debt to GE money bank for appliances bought in XXXX  that I made payments on for 4 years and suddenly stopped. Said theyre taking me to court and will get a judgment on me to garnish my wages, or I could set up a payment plan. 
I have Never bought appliances in my life nor have I ever heard of GE money bank. 
They knew my address, my social, my DOB
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection Inquiries in Dispute : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I was charged {$69.00} 3 times. When I noticed it I notified my bank. I canceled my debit card and disputed the charges. I gave the bank all the info I had. Their contact info isn't not listed on my statement other than XXXX XXXX XXXX. They're not on the internet. No phone number that I can find. The paperwork from the merchant that my bank sent to me only that states I ordered something. The info is simply my debit card number and my name, no XXXX number, nothingelse. They couldn't provide an item description however. This merchant is listed as an auto accessories store on my bank records. I didn't order any such thing. I've recieved no product. Only after I disputed the charges did the charges stop. Then a supposed delivery came into play. Why after 3 charges over 3 months did a delivery come into it the day after Isubmitted a dispute? I need that money back! I want the NSF charges my bank charged me for pmnts that bounced because of this. I need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX