23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I 've have been on a rehab plan now for over 2 years. After a 3 month grace period I was supposed to be put into this program. As far as I know I 'm on it still, after NUMEROUS requests they have not sent me anything confirming I 'm in the program other than a vague letter that they are taking the money out on auto-withdraw that THEY set up and what date, I get that letter every month. The point of the program was to prevent my loan from going into default. I look at my credit report often and it not only says that " XXXX XXXX '' charged off my loan to " Navient '' when the company took over student loans, it also says my loan is over 190 days late, closed and delinquent. I 'm married with kids and I have a great job and I would like to buy a home but I ca n't with this on my credit, even if I paid off all my little other debt I 'd still not meet the requirements to get a mortgage.. I 've tried so many times to get this to work and been replaced on this program at least 3 times and never any results. In the past, after a few months they 've called me hounding me for money but this last time just silence from them for the last 2 years, I can only assume I 'm on the program since I 'm still getting the money taken out and still getting the notice of money withdraw, the notice has no phone number, I do n't even know who to call about this, in the past I 've relied on them calling me, a weird department handles my loan now and I ca n't even contact them.
Product: Money transfer, virtual currency, or money service

This complaint is a follow up to complaint number XXXX. 

Wells Fargo Bank NA did not address the main point of the above referenced complaint in their letters of XX/XX/XXXX & XXXX, XXXX. I did respond to their letters, on XX/XX/XXXX, pointing out their failure to understand and address my complaint, which is the refusal of Wells Fargo to recognize that the facts as presented to them, have created a dispute about the unauthorized electronic transfer of funds, as described in Regulation E of the 1978 EFTA. 

I am awaiting a reply from Wells Fargo to my letter dated, XX/XX/XXXX requesting that the bank accept the legal fact that, under Regulation E, there is a dispute between a financial institution and a poor American consumer.

Up to the date of the filing of this complaint, Wells Fargo has not responded to my reply to their letters. Therefore, I am requesting that the relevant authority at the cfpb, issue a notice of charges alleging a violation of the consumer protection statue, known as Regulation E, which forms part of the Federal EFTA of 1978. My prayer is that such a notice would initiate an Administrative Adjudication Proceeding before the Administrative Agency Tribunal as soon as possible. 

It has been almost one year since the unauthorized transfers of the {$18000.00} took place. Wells Fargo disregarded our affidavits along with other evidence showing that the transfers were not authorized by me or anyone else known to me. I provided every relevant evidence to support the type of financial situation reflected in Regulation E, the statute that assists the consumer ; However, Wells Fargo refused to reverse their decision that says, that I or someone known to me, made the transfers or authorized someone else to do so. They have declared the cases as closed. 

The purpose of this complaint is to legally make charges alleging a violation of the consumer protection statute known as Regulation E. I am looking for a ruling in my favor from an administrative judge. 

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

Formal Dispute of Derogatory Account with XXXX XXXX XXXX I am writing to formally dispute the derogatory account listed under the name XXXX XXXX XXXX on my credit report. I have never had any credit card or credit line with this company and This account is erroneous for the following reasons : XXXX. The debt is being reported by a third-party debt collector without verification : XXXX XXXX XXXX is NOT the original creditor. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to request a full validation of this debt. I demand proof that this debt is legitimate, including : Proof of the original agreement bearing my signature, establishing liability for the debt.

Detailed payment history from the original creditor, showing how the alleged amount was calculated.

2. Potential violation of the Fair Debt Collection Practices Act ( FDCPA ) : As per the FDCPA, Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), a debt collector must cease reporting or attempting to collect a debt until it has provided sufficient evidence of the debts validity upon request. XXXX XXXX XXXX has failed to do so. 

XXXX. Incorrect or unverifiable reporting by XXXX XXXX XXXX : The account lacks clarity and transparency regarding the relationship with the original creditor, raising concerns about the accuracy and legitimacy of this collection. Inaccurate reporting violates the FCRAs standards for fair and accurate credit reporting under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). 

In light of the above, I demand that the derogatory remark and collection account associated with XXXX XXXX XXXX be removed from my credit report. 

Please investigate this matter thoroughly and provide me with documentation validating the debt, or confirm its removal from my report. If you can not verify the debt within 30 days, as mandated by the FCRA, I expect the account to be deleted immediately. 
Additionally, please provide a written statement confirming the results of your investigation and a copy of my updated credit report reflecting any changes.
Product: Student loan

Unable to contact with NELNET loan servicer. Not able to track payment options, amount paid so far and repayment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to have for yall to remove my closed XXXX  account from my account please this is a negative item reporting on my credit. Section 604 15 u.s code 1681 B.

Section 605 A 15 u.s code 1681 C-1 Section 605 B 15 u.s code 1681 C-2.

If this account is not removed action will be taken place because yall are not abiding by the law please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SHALL DELETE FROM MY CREDIT REPORT BECAUSE I NEVER LIVE THERE AND IT WAS OPENED DUE TO FRAUD WITHOUT MY KNOLEDGE. 
THIS ADDRESS WAS ADDED TO MY CREDIT REPORT ALONG WITH A FRAUD ACCOUNTFROM XXXX XXXX XXXX  THAT VIOLATE MY COSUMER RIGHTS AND BEEN THREATHING ME OVER THE PHONE FOR PAYMENTS. 

DELETE THIS FRAUD ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to respond to my disputes because I used a free dispute letter from the internet and Information on how to submit it for free and have it track both ways. I have done nothing to violate any regulations. I provided Equifax with all the required information to identify me. Equifax claims my disputes look like others from a " credit repair company '' but fail to acknowledge that they have responded to the vast majority of those disputes regardless. Why am I being singled out? The Fair Credit Reporting Act requires that I be treated fairly. Equifax has already not treated me like others who used the same process. Additionally, the delays are more than the 30-days laid out in the FCRA. Please immediately process my disputes and send me the results ...
Product: Mortgage

A request was made for a 6 month forbearance due to a financial hardship ( Medical and loss of income ) with verified documentation provided to Freedom Mortgage. Freedom required that Loss Mitigation paperwork be completed. Upon completion of the paperwork a 3 month trial payment was approved by the company to start on XX/XX/XXXX- XX/XX/XXXX. All payments in the amount of {$1500.00} was successful. At the end of this period it was then stated to apply again through Loss Mitigation to determine what programs or services would be available for the account. At no point did the Freedom Mortgage allow us to continue with the current payments paid the prior 3 months. Instead they force me to resubmit the paperwork again from XX/XX/XXXX- XX/XX/XXXX. During this time frame every 15 - 30 days it was alleged that the underwriters need additional supporting documentation to make a final determination on the account. However, this process continued until XX/XX/XXXX without any resolution. The alleged first denial in XX/XX/XXXX stated the income to debt ratio was to high. However, the actual household income has increased overall by about $ XXXX without any additional expenses. As a Consumer its falsely stated that your case will be assigned to a specific Loss Mitigation representative to assist with the proper completion of this process. However in last 9 month you will speak to multiple customer service representatives that only read notes but actual have no real interaction with your file. The Underwriters are never in contact with the consumer and the only alleged communication is through inter office email that does not include the consumer. I have spoken with over 30 different individuals with different interpretation of rules and policies regarding the Loss Mitigation programs and services. This process is prolonged to cause individuals to possibly end up in foreclosure or reinstatement proceedings with fees higher than initial delinquent cost due to the failure to communicate in a timely manner. Freedom Mortgage fails to offer consumers options to maintain their primary home. Freedom Mortgage appears to take advantage of Consumers during documented hardships and their review of documentation is never explained or shared to even determine when there's an error or need for explanation. I feel the Loss Mitigation applications should be reviewed for accuracy, assigned to correct programs and offered the proper assistance to get back on track and maintain their home. Company fails to contact the consumer during this Loss Mitigation verbally and the emails and mail are delayed. The consumer must contact Freedom Mortgage on a weekly basis for updates and request of information otherwise dates can be missed without your knowledge. Customer Service representative read a scripted message.
Product: Debt collection

Halloway Credit is trying to collect on a Debt that is not Owed by me
Product: Checking or savings account

I applied for a checking account online on XX/XX/year> and have yet to receive a response. I called on XX/XX/XXXX to check the status and they told me I had to contact their fraud department. I have called several different listen numbers and the one they told me to call and the automated operator will not let me speak to a human being nor can find my application. I just got off the phone with them and they said there is nothing they can do and bounce be from department to department. No one can cancel my application. 

I do not appreciate this type of treatment nor am I going to tolerate it. If this is how prospective clients is treated I want no part of a company who will not allow me to speak to a human being nor will honor my requests dealing me my personal information. I have no idea what they are doing with my information and they will not tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX  's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by XXXX that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, s number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used XXXX. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used XXXX. I called XXXX  's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which XXXX  had recommended ) and they had used XXXX. I called XXXX  for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or XXXX  to look into this and help the consumer ( me ) .I understand XXXX  's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both XXXX and XXXX , s.
Product: Mortgage

Cross country mortgage made significant errors in calculating our escrow payments during our refinance resulting in a current escrow shortage. The loan was closed in XX/XX/2020 and already in XX/XX/2020 the loan had a negative escrow by thousands of dollars. This alone appears to demonstrate negligence/recklessness in the calculation of the escrow amount. Our current mortgage payment increased {$500.00} as a result of their incorrect calculations. Cross country mortgage underwrote the loan. Cross country mortgage determined the monthly escrow amount. Cross country mortgage was competing with another lender and lowered our monthly mortgage payment in order to receive our business. The annual taxes have not changed. We received a letter informing us that our prior mortgage payment was short and that the current the mortgage payment increased {$500.00}. I called and spoke with someone at cross country mortgage and was told that when the loan was created {$2900.00} should have been collected at closing instead instead only {$1700.00} was collected. The agent informed me that the escrow payment went up by {$500.00} to cover the shortage which caused the mortgage payment to increase. The escrow shortage has now increased our mortgage payment significantly. Cross country mortgage told us that we had to contact the agent who created the loan. Even though he also works for cross country mortgage. I called the agent and he told me that he did not have access to the current escrow account. 

We have attached emails showing the closing costs and discussion around the escrow. We have also attached our most recent mortgage payment showing the increase.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing regarding a late payment reported on my account, for the month of XXXX and XXXX Of 2021, I understand the importance of timely payments, and I sincerely apologize for this oversight. 

The late payment was due to unexpected financial hardship Since that time, I have taken steps to ensure that all payments are made on time, such as setting up auto-pay. 

I have been a loyal customer and my account has generally been in good standing. I kindly request that you consider removing the late payment from my credit report as a goodwill gesture. This adjustment would mean a great deal to me as I work to maintain and improve my credit standing. 

Thank you for your time and understanding. Please let me know if theres any further information or documentation you need to process this request. I look forward to your response and appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting that Equifax reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Late Date XX/XX/XXXX XXXX XXXX  XXXX Late Date XXXXXXXX XXXX XXXXXXXX Late Dates XX/XX/XXXX
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. 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Credit card

Hi- I'm trying to obtain a refund from American Express for a laptop computer I ordered from XXXX XXXX, but was stolen by someone who impersonated me and picked it up in store. 

I was charged {$2300.00} on XX/XX/XXXXXXXX XXXX XXXX for the initial online order for a XXXXXXXX XXXX computer. Attached is the confirmation of that order. Once I arrived at the XXXX XXXX XXXX  ( the store located in the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) on XX/XX/year> to pick up the computer, I was told that the computer had been picked up by someone other than me just a half our or 45 minutes before I had arrived. The security footage showed a XXXX woman picking up the computer- I am white. According to the employee who turned over the computer to her, she presented an ID with my name and photo on it. 

Right away I called Am Ex to report that the laptop computer I purchased for {$2300.00} with my Am Ex card had been stolen. Am Ex kindly reversed the charge. I also called the police at that time and several officers and detectives responded to the store. 

Attached is the police report from their investigation. This was considered a grand larceny by the police and Det. XXXX XXXX, who investigated this. I also attached an email from XXXX. XXXX XXXX below confirming that this laptop was stolen from me. XXXX XXXX put out a flyer with the photo of the woman who stole this computer from me -- she was caught on camera. That is also attached. 

My issue is this -- - after initially reversing the charge for the stolen laptop, Am Ex later reinstated the charge and I did not realize it. Attached is a screenshot of those charges. I charge a lot on my card and didn't notice that this had happened until a few weeks ago when I was doing my taxes. I realized this when I went to review the purchase date of the laptop online. I was livid to learn the charge had been added back to my account. 

Please have Am Ex or XXXX XXXX reverse this charge immediately. I have gotten nowhere with customer service -- but they did open a second dispute for me, in addition to the dispute I had filed at the time the laptop was stolen. I have spoken to several supervisors at American Express and have gotten nowhere. XXXX XXXX was of no help at the time. My most recent dispute reference is XXXX. 


XXXX XXXX XXXX
Product: Checking or savings account

Discussed issue with customer service and fraud department at Chime and informed them of my receiving emails from Chime stating that I needed to activate my new debit card and then subsequent emails stating that the address and phone number to my account had been changed. No one could get information about an account in my name without me giving them more personal information. Just want to know if an account actually exists or if this is a sales ploy.
Product: Credit reporting or other personal consumer reports

On XXXX, consumer requested a billing error request per contract, to the LOC Department Manager. On XXXX, NetCredit ( entity of Enova International ) responded and advised they would review the request and advise in 5 business days. The company has not responded. The furnisher continues as of today, XXXX, to report my account late even though law says they can not during the billing error review.

They are also reporting an inaccurate late payment, account says XXXX and report says XXXX. Additionally, it is illegal to report transaction history and it is being reported. The reporting agencies are supposed to be over my privacy and ensuring it.