23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX, XXXX and I would like to file a complaint against Wells Fargo Bank. Back in the month of XXXX, 2014, my wife XXXX XXXX and I applied for a mortgage loan with Wells Fargo Bank. Initially my wife and I were included on the loan application for the purchase of the XXXX XXXX XXXX property. However, the loan agent recommended that the loan should be in my name since it was questionable about the loan being approved with both my wife and I. Therefore, we accepted his advice and moved forward with me as the loan applicant for the purchasing of the house. The agent was working with my wife on my behalf to handle all the necessary paperwork to make the purchasing of XXXX XXXX XXXX property become a reality. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested that we have to have this house inspected by a company which they must approve and that the company must be authorized to supervise and sign off on rehab work. My wife and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 
After the inspection was done and we found out that the roof repair estimation was incorrect because it was for a shingle roof instead of a slate roof. We paid a roof specialist {$250.00} to inspect the slate roof and received a more accurately amount of cost to repair the slate roof or change it to a shingle roof. My wife had forward this information to XXXX XXXX by email since she was working with him on getting all the necessary paperwork done in a timely matter. He had conveyed to her over the telephone that he suggests that we let the house go and my wife informed him that we would like to still proceed with purchasing house. We had over {$50000.00} cash in our savings and were willing to sign whatever documents of Wells Fargo to assure that we would pay out of our pocket for a brand new shingle roof to be installed. However, XXXX XXXX did not return any of my wife 's numerous phone calls, voice mails and emails. My wife explained this to me and she discovered after talking to our real estate agent, that he was returning his calls. My wife felt disrespected and wonders if she was not an XXXX XXXX would things have been handled differently. 
It is my belief that Wells Fargo should compensate my wife and I for the {$800.00} we paid to get the inspection which was requested and for the {$250.00} roof and inspection since the company that Wells Fargo approved for the inspection had made a mistake of the repair estimate.
Product: Debt collection

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Portfolio Recovery for {$1200.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Portfolio Recovery did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$1.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX  or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Product: Debt collection

I have a collection account from XXXX on XXXX, XXXX and XXXX. One says medical and the other 2 say XXXX XXXX XXXX XXXX XXXX XXXX. This is not mine.
Product: Student loan

I have worked for nonprofits organizations for several years and have always applied and recertified for the Public Service Loan Forgiveness payment plan. Over the last few years, my recertifications have been either been 'processed ' for several months or initially accepted, but not shown in my lender account. Because my paperwork was being 'processed ' for months ( even though I worked for the same employer ), that delayed my enrollment. My loan was recently moved to a new lender, and upon looking into my account, it is showing that I was not enrolled in the Public Service Loan Forgiveness program for several years, which is not true. Because of this error, the months of COVID-related waived payments have not applied to my account. This is a grave mistake where the lender has denied my enrollment and there is nothing I can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did use XXXX to see my credit report from XXXX. As of XX/XX/2020, there are 3 inquiries that are not from my action as followed, Amex Date of Inquiry : XXXX Amex Date of Inquiry : XXXX Amex Date of Inquiry : XXXX I suspect of identity theft from these inquiries and need to fix these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had XXXX accounts with TD Bank. On XXXX credit report they show as XXXX ( Home equity loan ) XXXX ( Revolving line of credit ) XXXX ( Revolving line of credit ) i have disputed these with XXXX no less than 3 times. Each time the results come back " The information you disputed has been verified as accurate. '' I have tried resolving with with TD Bank to no avail. The account was apparently xferred to another branch and they are unwilling or unable to view much less provide me with statements. 

XXXX was paid in XX/XX/2016, it was not late, and it certainly was not included in any bankruptcy ( who includes a XXXX balance loan in bankruptcy?? ). I have given both TD and XXXX copies of XXXX showing account paid - this is ignored. 

XXXX if the idiots would pull copies of my checking account they would see payments being made each and every month yet they show this as going into 30 day in XX/XX/2016 and into collections in XXXX XXXX look at checking account ending in XXXX! 

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

I am writing my CFPB complaint today to inform you about the negligence of the three credit bureaus and I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX/ XXXX Balance : {$13000.00}.
Product: Credit reporting or other personal consumer reports

I Just got got fraud alert on my XXXX account and on XX/XX/, I received a message saying my information was exposed to the XXXXXXXX XXXX and I had a alert for a inquiry to chase bank
Product: Credit card or prepaid card

I was provided a corporate American Express card by my employer. The terms outline " You authorize American Express, its affiliates, and licenses to exchange business and consumer credit reports. You may direct us not to share with our affiliates and subsidiaries ... by writing to us at ... .Please include your Corporate Card account number. '' I wanted to talk to someone about this process. I first tweeted at AmEx and they said I should call customer service at XXXX. I did and, when I reached a human, I requested to direct them not to share my information. They said they were n't planning on it and it should be fine because it is a corporate account. I said that since it was outlined in the terms I wanted to direct them to not share my information and wanted it noted on my account. 
The person I spoke with then said they 'd connect me to the department that would be able to do that and placed me on hold. After a hold, they said I should call back at a later time because the queue was too long to connect me to the department and I should just call back later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reinserted an account on my credit report and are now saying that it has been verified when in fact it has not. They have no employees looking at these reports only the e -oscars that are digitally verifying these accounts against address not really investigating with data furnishers and not providing proofs as required by the FCRA . This metro 2 format nonsense they are relying on to verify these accounts are not in requirements with the FCDPA or FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. I request the immediate blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and must be removed : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$42000.00} XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX  XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX  - XXXX - XX/XX/XXXX - {$90.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has denied me access to my credit report both online and via the phone, with proper identification. 

They also had access to personal materials, and a personal phone went off during my call. This is unacceptable and a violation to my personal data protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONE MAINE XXXX XXXX XXXX XXXX XXXX IN XXXX No phone number available Date inquiry / XX/XX/XXXX Above-mentioned company made inquiry on my XXXX   report # XXXX for XX/XX/XXXX
Product: Credit card or prepaid card

We had an HVAC installed in XXXX of XXXX, and were required to provide our CHASE VISA credit card because the company sent the wrong machine to our son 's home in XXXX, Oregon. Meanwhile, we had made arrangements with the company ( XXXX XXXX in XXXX, OR ) for an interest-free monthly payment plan with the bank ( XXXX Bank ) with which XXXX had XXXX special payment arrangement. Despite that consummated agreement, XXXX went ahead and charged the entire amount due ( {$9800.00} ) to our CHASE VISA card on XX/XX/XXXX. For some reason, CHASE did not deduct this amount from our credit union checking account until XX/XX/XXXX. We immediately protested and entered into a back-and-forth disagreement with CHASE that is STILL occurring in XXXX of XXXX - despite dozens of phone calls, faxes, letters, etc. demonstrating that we were, indeed, paying XXXX monthly. Meanwhile, efforts to get CHASE to talk to either XXXX or the owner of XXXX have been fruitless. CHASE continues to say that it is " our responsibility '' to pay the {$9800.00} '' to them. Also, all efforts to get XXXX XXXX to repay CHASE have been met with either denials or a lack of accurate payment/reversal information, due to terrible bookkeeping. We are senior citizens on a fixed income, and we face the threat of having our checking account drained by CHASE at any moment.
Product: Vehicle loan or lease

after getting the repossession documents and review of the documents it shows that uacc has not follow the requirements of the notification process to collect a deficiency balance
Product: Vehicle loan or lease

My name is  XXXX   XXXX , I am trying to get in contact with somebody at the Settlement Division or Consumer Financial Protection Bureau to see if you can help me in the following matter. Consumer Financial Protection Burea u, Ally Auto Finance Settlement and U.S D epartment of Justice sent a letter with a checkwith the amount of {$520.00} because I was identified as eligible to receive this money from a settlement between the Consumer Financial Protection Bureau, th e U.S Department of Justice, Ally Financial Inc. and Ally Bank over allegations  of discrimination in auto financing between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX . In the letter said that this amount was determined by the Consumer Financial Protection Bureau a nd U.S Departm ent of Justice. Until today I have not been able to deposit this check because it was sent to a wrong address and by the time I got the check itwas already expired. I have called the phone number that is in the letter so many times with no results because I do not have a specific extension that they ask for. I have called the Consumer Financial Protection Bureau and the representative told me to write an email to Ally Auto Finance to see if I can resolve my problem. I wrote the email on  XXXX   XXXX ,  XXXX  and I have been waiting for a response since then with no answer until today  XXXX   XXXX ,  XXXX . I need that whoever is in charge of this matter get in contact with me so another check can be sent to me. I am going to attach a copy of the letter with the check that I receivedand I am going to provide my updated address.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  FL  ,   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report I noticed an account being reported as a collection account by the company XXXX XXXX XXXX in the amount of {$150.00}. According to FCRA medical debt being reported less than {$500.00} should be removed.
Product: Debt collection

I paid a debt with XXXX aka XXXX XXXX and they said they would delete the file off my credit for the collection tradeline as well as the credit card tradeline they did one but not the other.
Product: Debt collection

This collection agency did not send any notice of right to dispute. There were no calls, mailed documents, emails, voicemails or texts. I only received notice as I opened my XXXX account an saw the account was flagged. 

XX/XX/XXXX, XXXX I called a representative from Jefferson Capital System for XXXX that verified that an email was sent however I did not receive it. They verified that not mailed items were sent or calls made before hand. I was not given a window to dispute the issue. The representative indicated that he is unsure who will process my request, which department I should contact, or how long this would take.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : XXXX. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with XXXX, XXXX, and TransUnion. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
4. Credit Freeze : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter.
Product: Credit card or prepaid card

Dear Sir/Madam : On XX/XX/XXXX an unauthorized charge by XXXX XXXX XXXX XXXX XXXX, in the amount of {$120.00} was posted to my Citi credit card account ending in XXXX. I was also charged a " foreign transaction fee '' by Citi of {$3.00}. I reported the unauthorized charge and disputed the charges and received credit for both. I closed that account and requested a new card. When I received my statement, another unauthorized charge of {$120.00} by XXXX XXXX XXXX XXXX XXXX was posted to my new account ending in XXXX on XX/XX/XXXX with another foreign transaction fee of {$3.00} charged by Citi cards. I made several attempts to dispute the charge by phone and by chat. Citi does not have an e-mail address on their website for customer service to dispute a charge. I closed that account and received another card ending in XXXX. The disputed charge was transferred to my new account! I have since paid off the account minus the disputed charge. Citi has closed my account and is marking is past due which affects my personal credit to the point where my credit score has dropped considerably and it has affected my ability to get a loan. I would like to report Citi 's lack of help with this unauthorized charge on my account and that they transferred the unauthorized charge to my new card after I took the necessary steps to prevent this company from accessing my account. Thank you.
Product: Vehicle loan or lease

This complaint is with reference to the non-performance of the extended service contract purchased for my new car from BMW North America : Vehicle ID Number : XXXX XXXX BMW XXXX 6 year XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) BMW sold me the platinum service contract when I purchased it through their BMW XXXX XXXX, CA Dealership. Additional services for car detailing interior and exterior body was paid for and added to the service contract by the finance manager of this dealership and was financed as part of the car loan sold by BMW. As a customer purchasing a new car and platinum services, BMW did not make me aware that some of these services may be dealer specific add ons being sold to unsuspecting customers. 
On XX/XX/XXXX just 2 days prior to expiration of this XXXX XXXX sold by BMW Financial through their dealership, I asked that interior and exterior car detailing services be performed through one of the nearby BMW service dealers ( XXXX, CA ). The above local service dealership refused to perform this additional services claiming it was not part of the original XXXX XXXX contract. 
I reached out to representatives of BMW Corporate at XXXX : XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX A case manager was assigned to ensure that these additional services that was sold by BMW dealership at XXXX XXXX in XXXX is honored. A case manager XXXX XXXX called and emailed me on XX/XX/XXXX while I was traveling for a week. I tried reaching her at the number she gave in her email ( XXXX ; extension XXXX ) - that phone extension does not work ( I asked BMW to call this number and verify this fact ). I emailed twice ( XX/XX/XXXX, XX/XX/XXXX ) but no one from BMW is responding. 

BMW is selling additional services through their dealerships which are not being honored. Specifically, local BMW dealerships sell add-on services misrepresenting them as belonging to an established extended services contract ( 6 year XXXX XXXX ) and BMW dealers are not honoring such paid-for services. 

Under consumer finance laws of the USA, selling such services and not honoring them is a breach of contract and gross misrepresentation by the BMW company by allowing their dealers to sell additional services under the guise of their brand to unsuspecting customers. 

I demand BMW immediately honor their commitments to the services their dealership sold me and complete interior and exterior car detailing I had requested before the service contract expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing unauthorized inquiries on my credit report since XX/XX/XXXX. I have disputed continuously with all three bureaus on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I still have not received a response from the bureaus, this is unacceptable! XXXX XXXX and Experian need to be held accountable for what they're required to do BY LAW and respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.