23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

FBI Victim Information Name : XXXX XXXX Reporting on behalf of a business? Yes Business Name : XXXX XXXX XXXX XXXX XXXX Impacting Business Operations? Yes Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Business XXXX  POC : XXXX Financial Transaction Details Transaction Type : Bank Wire Transfer XXXX XXXX Amount : {$4000.00} total Date : XX/XX/year> Victim Bank : Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX Recipient Name : XXXX XXXX Recipient Email : XXXX, XXXX Incident Description I was targeted through an XXXX  job posting for a remote position with " XXXX XXXX XXXX '' from XXXX. " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX ; XXXX '', " XXXX XXXX XXXX '' and " XXXX XXXX '' contacted me via email and XXXX for an virtual interview, and after the interview, I was sent a {$4000.00} check to deposit for work supplies. I was instructed to wire money to multiple individuals via XXXX and XXXX for these supplies. After transferring the funds, the check bounced, and I lost {$4000.00}. The individuals involved were : XXXX XXXX ( XXXX - {$400.00}, Email : XXXX ) XXXX XXXX ( XXXX - {$1000.00}, Email : XXXX ) XXXX XXXX ; XXXX ( Wells Fargo XXXX - {$2000.00}, Email : XXXX, XXXX ) XXXX XXXX XXXX ( Wells Fargo XXXX - {$1000.00}, Email : XXXX ) Emails From : XXXX XXXX XXXX, email : XXXX Content : Interview invitation, job offer, and instructions for sending funds. Victim Information Witnesses : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Signature I, XXXX XXXX, affirm that the information provided is accurate to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND DISCOVER CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH XXXX. I CONTACTED XXXX XXXX WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX   AND I CONTACTED XXXX XXXX  AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST XXXX XXXX AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT EBEN HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED XXXX XXXX FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.
Product: Student loan

I finished XXXX school in XXXX of XXXX and began paying my XXXX school loans ( all Federal Direct loans ) in XXXX of XXXX. I am a XXXX XXXX in the Public Service Loan Forgiveness program and thus my servicer is Fedloans. 

In early XXXX I applied for reduced student loan payments based on my income. I selected the 'PAYE ' repayment plan. When Fedloan processed my application on XX/XX/XXXX, they determined that I was not eligible for the PAYE plan. In this situation their procedure is to place the applicant on the plan with the lowest monthly payment that they are eligible for. That plan should have been REPAYE, which caps payments at 10 % of discretionary income. Instead I was placed on IBR, which capped my payments at 15 % of my discretionary income. I have stayed on IBR since then, making my monthly payments. This means I have been paying approximately {$200.00} more per month than I should have. 

I contacted Fedloan by phone today and spoke with XXXX, with the employee ID of XXXX. She acknowledged that they made " a processing error '' and she acknowledged that, on XX/XX/XXXX, the plan with the lowest monthly payment that I was eligible for was REPAYE. She said that she would put me on REPAYE starting today. However she says that it was my responsibility to select the correct repayment plan initially and therefore Fedloan will not refund me the additionally money I paid over those years as a result of being placed on the IBR plan.
Product: Credit card or prepaid card

XX/XX/2021 : My wallet was stolen out of my car. The card was used to make a fraudulent purchase in the amount of {$1200.00}. I notified the company via response to text message fraud alerts within 44 minutes that this was a fraudulent charge. The company claims the charge is valid and continues to apply this charge to my charge card balance.
Product: Payday loan, title loan, personal loan, or advance loan

I have recently been made aware of the Louisian SCRA benefits for active-duty military stationed in LA for a 6 % cap on interest rates from creditors and refunds of any interest paid over that. I tried reaching out to the company but was denied due to their interpretation of " Obligation '' expressed in Laws 29:311 and 2:312.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unverifiable and a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have made multiple attempts to resolve this matter with this credit bureau. I have asked to provide me with any type of proof bearing my signature and they have failed to do so. Also, In accordance with the Fair Credit Reporting act. The List of accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Payday loan, title loan, or personal loan

On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of XXXX XXXX XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.
Product: Mortgage

I bought a house. Shortly after the close of the sale we had the pandemic lockdowns. I panicked and utilized the forbearance process. At the end of forbearance, I tried to pay my regularly scheduled mortgage payment online, however, I ran into an issue, the loan number on my signed mortgage contract, was not available to pay online, as if it didn't exist, at least on their payment portal. I called Cross Country Mortgage and waited on hold for 45 minutes. The call was answered and some basic information was gathered, my name, my phone number, reason for the call, etc. These questions continued on for a few minutes and then the call was abruptly disconnected. I called back only to repeat the exact same scenario once more. I waited until the next day to eliminate a connection problem on my end, I also ensured that I called from a different location, again, to rule out a problem on my end of the communication. 45 minutes on hold again, only for the call to drop a few minutes after sharing my information. I started to call, wait on hold for no less than 30-45 minutes each time, and I would immediately ask them to call me back if we were disconnected, they never did. Eventually, after months of chronic stress, I received a letter in the mail with my loan number and where I can remit payment. I promptly made a payment. The check cleared and I could finally relax. The next month came, I wrote and mailed another check, which was returned to me attached to a letter stating that I was going to be foreclosed upon. I have done everything in my power to work with Cross Country Mortgage, but it is clear to me that they are not being forthcoming. I have the reinstatement quote low enough for assistance to help me, but the company providing the assistance needs the lender to send a single piece of paper. To my knowledge, Cross Country Mortgage has yet to send them a verified reinstatement quote. I don't know what to do at this point. I am filing this complaint as a last resort. Last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that I am being preyed upon by this company and as far as I can tell, I have no legal recourse, and even if I did, I wouldn't be able to afford it.
Product: Checking or savings account

There were fraudulent charges on my checking account from XXXX, {$460.00} for a hotel in XXXX. I reported it. Chase bank said they were look into it. They sighted with XXXX based on false information. They have not proved that I booked that hotel, or I were present in the hotel. there has been online fraud scams on the internet. There have been fraudulent charges from Chase before. Chase has been secretly stealing money from my checking account. Please Help Me!
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of XXXX XXXX. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Rent Bureau Please see attached : - Experian Rent Bureau credit report order form filled out and signed - My drivers license, social security card, and mailing address I am requesting a copy of my Experian Rent Bureau report.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 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: Student loan

When Federal Student loans first paused interest and payments, I called Navient, my student loan servicer and asked if my loan qualified for this payment and interest pause. They told me no because my loan, is an XXXX loan that is privately held and not the govt. Then I asked how I could qualify for the payment pause. They said there is nothing I can do. On another occasion I contacted them and asked if I consolidated my XXXX  loans if I would qualify for the payment and interest pause. They told me that I shouldn't consolidate because my current interest rate is 2.89 % and if I consolidate, yes it would be 0 % while the payment and interest pause is in place but after that my loans would be at the higher current federal rate around XXXX or 7 %. So I chose not to consolidate at that time. 
Now, after talking with XXXX XXXX, I find out that if I would have consolidated, my interest rate would be the average of my current loans interest rate so in essence it would remain at the same interest rate and qualify for the payment and interest pause. Because I was provided inaccurate information I have had interest on my loans for the past 2 years that I shouldn't have had and have been required to make payments that I really could not afford.
Product: Payday loan, title loan, or personal loan

To whom it may concern, I am reaching out due to me being denied a debt consolidation loan on XXXX separate occasions. I will carefully explain each scenario and provide as much context as possible regarding each unjust denial. 

I initially applied for my first debt consolidation loan in XXXX of XXXX, I walked into a Wells Fargo Bank branch located in the XXXX XXXX area of Maryland, at the time I applied I was not a customer and was informed by the banker that me becoming a customer with the bank would better my chances at getting approved for the personal loan. 

I then applied to become a Wells Fargo customer, under the terms of having a discounted repayment plan with auto deductions from my XXXX Checking account is what the banker promised me along with any initial denial would be followed with a counter offer. I opened the account and immediately had direct deposits from my salary going in the account. One week later I received a letter in the mail stating that my loan application was denied for three reasons : 1. Credit score- now at the time I applied for this loan my credit score was XXXX and there are no delinquencies on my credit report, all my bills are paid on time with no history of late payments. 

2. None Customer - I was told by the banker that me becoming a Wells Fargo customer at the origination of the loan would have no impact to me applying for this loan. When I received the notice this was the driving factor of them denying my loan now this was concerning because it was one the questions I asked the banker at the time of me applying for the loan and was told that was not an issue. 

3. No deposits to a Wells Fargo Checking Account - This reason brings me back to reason # 2 why had this information been provided to me up front by the banker? Instead she allowed my Credit to be dinged applying for a loan she ultimately knew I did not meet the qualifications that are set by Wells Fargo. 

I immediately escalated this with the mediation department with Wells Fargo and provided them with this information and details surrounding me applying for the loan. My case was assigned to a specialist by the name of XXXX XXXX who reviewed the information provided and agreed that there was an unfair business practice by falsely coercing me to open an account to be approved for a loan with Wells Fargo. 

XXXX XXXX informed me that the bank would offer me a payment for {$1600.00} for this inconvenience, he then encouraged me to apply for the same loan 6 months later and would then have better approval odds. 

I then applied as instructed in XXXX and was denied for the same reasons up above minus not being a Wells Fargo customer and I recently applied in XXXX of XXXX and was denied for unjustifiable reasons as well. 

Please review and provide any assistance with getting this resolved my credit score is being impacted by each time I apply and no one seems to care!
Product: Credit reporting

I am having a problem with TransUnion , LLC providing me verifiable proof of an original consumer contract with my signature on it, from XXXX XXXX XXXX XXXX that is listed on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through original signature. Under the FCRA, unverified accounts must be removed. I have mailed XXXX letters to TransUnion requesting copies of my signature to no avail. I need help with this request please.
Product: Mortgage

Carrington mortgage service I was on XXXX since XXXX of XXXX I re submitted to extend my forbearance XX/XX/XXXX XXXX.pass due {$22000.00} I Was never informed that I was denied forbearance I received a letter in the mail certified thats said intent to foreclose. 
I contacted Carrington Mortgage service Informed them I received a letter fir foreclosure Custumer service rep said that my XXXXXXXX was not extended and that I had to pay totally pass due or would be foreclosed and that they sent me a letter stating I exhausted XXXX months I stated I did not receive such a letter in the mail and that online email stated the forbearance was being processed custumer service no it was denied also today XX/XX/XXXX I received the letter supposedly sent that my forbearance was XXXX  months complete yet the left stated that I voluntary canceled XXXX  this is out right lie by carrington Mortgsge as I have an email confirmation from when I applied to extend my forbearance dated from them XX/XX/XXXX Now I dont trust them at all custumer service on phone call stated they terminated because I reached XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX American minority female that is currently being suppressed from achieving the American dream by Transunion. 

Recently, all of my rental history was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.
Product: Debt collection

ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.
Product: Debt collection

Enhanced Recovery Co had contacted me multiple times in regards to a debt I have no clue about nor had any involvement in. They consistently called in times inconvenient for me. I had sent them a debt validation request and everything requested was ignored instead they sent me a bill and what looks like what would be a contract to agree to pay them. I will attach the first debt validation letter sent by me with proof of it being sent via certified mail. I will also attach their invalid response to my request listed with violations made by them and an affidavit of truth sent by me on XX/XX/21.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of an inaccurate item on my credit report that has already been removed from my credit files at XXXX and XXXX but is still appearing on my experian credit report. This inconsistency is not only affecting my credit score but is also a violation of my rights under federal consumer protection laws. 

The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Removal from Other Credit Bureaus : year XXXX Upon reviewing my credit reports, I discovered that while this item was removed from both XXXX and XXXX following a dispute, it still appears on my Experian report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this statute, I have the right to dispute inaccurate or outdated information on my credit report, and the credit bureau must investigate and correct any errors within XXXX days of receiving a dispute. 

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA, information on my credit report must be accurate, complete, and up-to-date. The continued reporting of this item after it has been removed by other bureaus is a failure to meet this standard. 

Given that this item has already been corrected by XXXX of the XXXX major credit bureaus, I respectfully request that XXXX investigate this matter and remove the outdated information from my credit file promptly. This item is harming my creditworthiness and is an obvious violation of my rights under the FCRA and FACTA.

Please confirm the following : The investigation of this item in accordance with FCRA Section 1681i.

The removal of the inaccurate information from my Experian report.

A copy of my updated Experian credit report reflecting this correction. 
I expect this issue to be resolved within the XXXX period mandated by the FCRA. Failure to comply will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for the violation of my consumer rights. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction.