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

My Chase bank account was hacks, and money was transfer to another account without my authorization. The first time was XXXX , and then XXXX . Total of XXXX . I called Chase but they refused to help, and said there is nothing they can do. I also look up where the money was going and called them to ask for the refunds, the money going to XXXX XXXX, some Indians people with heavily XXXX accents trying to speak English, and keep asking for more money for them to refund the money back. Please help.
Product: Credit card or prepaid card

Since late XXXX the XXXX XXXX Credit Card by Comenity hasn't provided any points conccurrent with purchases as advertised in their agreement. The company has said they aren't sure how they will fix the issue and the rewards company blames the bank while the rewards compnay points to the bank. This appears to be an issue impacting thousands of card holders. It has gone on so long with no clear answers that it appears to be quite fraudulent.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2022, I received a text message from phone number XXXX that said the following : " Free Msg : Wells Fargo Bank Fraud Dept : XXXX Did You Make A Scheduled XXXX Transfer for {$2000.00} : Reply Yes Or No. CA XXXX OPt Out Reply Stop '', to which I replied, " No ''. Another text came reading the following : " Wells Fargo Bank Fraud Dept : Thank You No Further Action Is Needed A Customer Service Representative Will Be Contacting You Shortly @ XXXX ''. Shortly following this message, the call came in, I answered and a man who said he is a WF representative explained that there had been unauthorized transfers from my checking account using XXXX to a XXXX XXXX XXXX account. He then told me to sign on to my online banking account, register my and phone number to be a recipient in XXXX, and then send the money back to myself to reverse the unauthorized transfers. I did so, first, in the amount of {$1500.00} and again in the amount of {$1000.00}. After doing this, I went back to my checking account and noticed that the amount was gone and asked the rep what happened to my money and that I didn't understand what was going on. The rep then got his " manager '' who told me I needed to make another transfer because the other two may not have gone through. At this point, I realized I was being scammed, hung up and immediately called actual Wells Fargo to report the scam. They opened up a claim for each transaction amount and told me they would investigate and if the claims were substantiated, they would provide me with a credit for the amounts in 10 business days. I heard nothing after 10 business days, so I called this afternoon ( XX/XX/2022 ) ( business day 11 ), to check the status of my claims. That is when the WF fraud rep told me that the claims were investigated and that I authorized the transfers so they would not be giving me a credit despite being a victim of an apparent and well known scam. The rep then explained the only thing they could do was request Bank XXXX XXXX send back the money, and if XXXX agreed, WF would issue me the credit. I then asked to speak with someone in WF 's escalation division and was connected with another rep who explains the same info as did the previous rep. He eventually offered to file a customer complaint on my behalf with WF about the bank 's policy on erroneous XXXX transfers, and informed that letters were being sent to me regarding the outcome of WF 's investigations of my claims.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> wells fargo bank Subject : Request for Debt Validation Dear wells fargo, I am writing in response to your recent communication regarding an alleged debt. Please note that I am requesting validation of this debt, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, and any other applicable laws. 

I would appreciate it if you could provide the following information regarding the debt : The full name and address of the original creditor. 
The amount of the debt, including an itemized statement of the charges. 
Proof that I am legally obligated to pay the debt, including a copy of the original signed contract or agreement. 
A detailed explanation of any interest, fees, or charges added to the debt. 
A record of all payments made toward the debt, if any. 
Please be advised that I am not acknowledging the debt at this time and am requesting this information to verify the legitimacy of the claim. Until I receive this validation, I request that you cease all collection activities, including reporting the debt to credit bureaus, as required under the law. 

Please respond to this request in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will result in the debt being considered invalid and will require you to cease all collection efforts. 

Thank you for your cooperation. 

Sincerely, [ Your Name ] [ Signature ( if sending by mail ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Product: Credit reporting or other personal consumer reports

I owed a collection agency, XXXX XXXX also XXXX as XXXX XXXX XXXX. I paid them the balance i owed. they wrote me a letter stating that the balance was paid and that they will request any negative information be removed from the credit reporting agencies. i am attaching the letter. It is still showing up on my credit report! XXXX and experian are not updating it even though i am showing them the letter. I paid {$3800.00} and expect the company as well as experian and XXXX to remove the information as detailed in the agreement between me and the collection agency.
Product: Debt collection

XXXX XXXX  defaulted my XXXX  account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with XXXX XXXX, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. XXXX also made no attempt to contact me about issues with my address or account. My account was then sent to collection with Client Services  without notification. Client Services  was able to send me the debt collection notice to the address XXXX XXXX  and XXXX had on file. I have not received one statement, late payment notice, or account delinquency notice from XXXX XXXX  or XXXX. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of XXXX XXXX XXXX  and XXXX XXXX actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}.
Product: Vehicle loan or lease

I made 2 payments ( XXXX ) that were reflected as processing XX/XX/year>, I received an email stating the XXXX payment was applied but not the XXXX, when I checked the app, neither was reflected ( i have screen shot ). I called customer service they couldn't find XXXX or XXXX payments. I requested a supervisor and the next tear level claimed tgat they could see it but XXXX balance XXXX was correct with the missing XXXX and XXXX dollar payment deducted. I requested a writen explanation because it's unlikely overall balance is synced but incoming payments aren't, they refused to provide any information.
Product: Payday loan, title loan, or personal loan

XXXX This company keeps on calling me spam messages and I keep on blocking them and they keep on calling me
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into the actions of Equifax, which has included negative information ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ), reported by third-party debt collection agencies, on my credit file. This occurred without my consent, as I have never signed any application or contract authorizing this agency to report such information. I have constantly requested proof of a signed application or contract, along with a copy of my valid drivers license, but Equifax has provided any evidence to support their claim. This raises significant concerns regarding Equifaxs compliance with the Fair Credit Reporting Act ( FCRA ), specifically related to the permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has negatively impacted my credit score and financial standing, causing undue hardship. Under the FCRA, a permissible purpose is required for any entity to access or report credit information, and I have not given any such authorization to Equifax. I respectfully request that the CFPB investigate this matter, ensure that Equifax is held accountable for their failure to comply with FCRA regulations, and take the necessary actions to have the inaccurate and unauthorized information removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my Experian report and they're inaccurate. I did not authorize these inquiries, and Experian refuses to remove the inquiries. I spoke with a representative on the phone named XXXX, and he hung up on me.
Product: Money transfer, virtual currency, or money service

I have been a long time user with zelle. Zelle restricted my account with no type of explanation as to why. Stated they dont have that information, they just know its closed and I can review their legal disclaimer on their site. This is ridiculous, I get it if I violated ANY terms but I have not & to restrict me for no reason or without any explanation is absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX  or the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Transunion ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX ] [ XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX, XXXX XXXX FL XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ]. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Student loan

have sent multiple previous messages to Mohela for forbearance to be lifted. I need forbearance lifted immediately. I also need the income verification form that I sent in on XX/XX/XXXX with an Adjusted gross income of $ XXXX to be applied ASAP. As stated previously my employer is preparing to make a lump payment of $ XXXX to Mohela. On the XX/XX/XXXX income recert it says my estimated payment is {$130.00}. That will be 14 months of payments as long as they are counted as eligible and only if the payment is recalculated and forbearance is lifted. I have done everything on my end. I called and spoke to a REP on XX/XX/XXXX and they said they are working hard on it. I should not be penalized because Mohela is backlogged. I have submitted all the right paperwork and have done my due diligence in following up. I have asked and will continue to ask for the income to be recalculated and forbearance lifted. I need the $ XXXX applied as eligible payments towards PSLF and counted for XXXX future payments. I have also submitted an employer recert over a month ago with no movement.I spoke to XXXX XXXX employee # XXXX. She said the forbearance would be lifted. A removal request is being applied on XX/XX/XXXX. She could not say how long it will take for it to be lifted but could be as long as 71 days. I stressed that my government employer is processing to send a payment out. I explained that it is a county government and the payments send automatically and I can not control when they are sent. I really need forbearance lifted and my income recalculated. My goal again that my XXXX plan payment of {$130.00} takes affect and that forbearance is lifted so the $ XXXX payment from my employer satisifies 12 months of payments in PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the BBB ( Better Business Bureau ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to self with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all self lender accounts removed from all three credit bureaus immediately
Product: Credit reporting or other personal consumer reports

. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXXXXXX The inquiry was not authorized XXXX XXXX Also remove the City of XXXX, Indiana from my job history. I do not work there currently anymore
Product: Vehicle loan or lease

We purchased a vehicle from XXXX XXXX in XXXX, NY XX/XX/2021. Due to poor credit, we were only able to get an auto loan from Credit Acceptance. The finance person stated we had to have the warranty plan with this funder. When signing the contract, he said that although it says optional we were required because the credit score we had. We could barely afford the monthly payment we were given and would have never chosen a warranty if it was optional. We were lied to by the finance person at this dealership. Our interest rate was 22.99 % and the cost of the vehicle was XXXX. Our finance charge was XXXX which seems high and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 60 day late payments on an account with XXXX XXXX XXXX on my XXXX report and a 30 days late payment on an account with XXXX XXXX XXXXXXXX on my Experian report but I was never late. Consumer Reporting Agencies has assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If Proof cant be provided, I demand this account be removed from my consumer report as I was NEVER Late. Thanks
Product: Mortgage

This is a follow up to my previous compliant. Wells Fargo promised by letter to resolve the issue by XX/XX/XXXX. Today XX/XX/XXXX and I have not heard from Wells Fargo. If Wells Fargo needs more time, I should be notified by mail or in writing. 

Wells Fargo is trying to drag to the Gutter. It is a systematic method to wear me out Mentally & Financially. It is all bout race. 

Please refer to the attached letter dated XX/XX/XXXX XXXX
Product: Mortgage

XXXX sold my mortgage to Mr. Cooper. The promise was that all payments of the mortgage would remain the same. As a result of an error on XXXX, there was a negative balance sent to Mr. Cooper. As a result, XXXX sent a check to correct this to Mr. Cooper on XX/XX/2022. The check number that was sent was XXXX. This balance was subsequently never corrected on my mortgage, and I pay more every month than I am supposed to. 

I have called Mr. Cooper every month for the past 9 months to correct this, however they have been unable to.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to express my concern regarding the reinsertion of a previously deleted XXXX XXXX  XXXX XXXX loan account on my credit report. This account was earlier identified as fraudulent due to identity theft and was accordingly removed from my file. However, I have recently noticed that it has been reinserted without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a consumer reporting agency reinserts previously deleted information into a consumer 's file, it is required to notify the consumer of the reinsertion in writing within five business days.

Additionally, the information may not be reinserted unless the furnisher certifies that the information is complete and accurate. I did not receive any such notification, nor am I aware of any certification of accuracy provided for this account.

I request that you : Immediately remove the reinserted fraudulent account from my credit report.

Provide an explanation for the reinsertion of this account without the required notification and certification. 

Ensure compliance with FCRA procedures to prevent unauthorized reinsertions in the future. 

I have enclosed copies of my previous correspondence, the FTC Identity Theft Report, and the police report related to this matter for your reference. Please investigate this issue promptly and confirm in writing that the fraudulent account has been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Bank account or service

who is not our deposit or loan customer ... ... .we may charge them a fee .... '' Does this mean {$.00} or {$XXXX}? I feel this misleading, ambiguous, and not within spirit of " full disclosure ''.
Product: Mortgage

On XXXX XXXX, 2016 I requested a mortgage satisfaction letter for my property at XXXX XXXX, XXXX XXXX XXXX XXXX from Bank of America which is in the process of being sold. Since then I have made numerous request and I have received the wrong document 3 times pertaining to another property in another state. I have spoken Bank of America 's Advocacy Team and again received the wrong documents.This has delayed the closing of my home and possibly the sale of the above property.
Product: Student loan

This complaint is regarding the student loan company Nelnet... This is a spousal co-signor loan ... and thru the years it has been been spiraling out of control.. Between continual wrong information given by the representatives and applying for the wrong programs..it had been a financial nightmare for us.. 
I would like to have my wife removed as the cosigner.. She is a XXXX worker for 28 years and is entitled to Loan forgiveness through the PSLF program as a XXXX worker If the loans were separated into 2 loans.. she would be able to have her part forgiven. 
Also to note these loans were discontinued in 2004..no notifications was ever given to us.. 
XXXX XXXX XXXX XXXX are a nightmare as you can not consolidate to Direct loans I was denied this recently This loan was originally XXXX now its XXXX... now accruing XXXX $ in interest every month... We are both in our XXXX 's now.. senior citizens
Product: Debt collection

I received several calls from a local number to XXXX ( XXXX ) XXXX XXXX XXXX or XXXX XXXX. The latest call was on XXXX at XXXX XXXX MST. They were attempting to collect a debt from the XXXX XXXX XXXX for a medical bill that was paid sometime prior to XXXX. 
I have not lived in XXXX since XXXX or visited the XXXX XXXX XXXX XXXX since XXXX. 
When I asked the company name for which they were attempting to collect a debt they hung up. When I called back they told me it was for the XXXX XXXX XXXX XXXX threated to send me a subpoena to XXXX county court then hung up again. XXXX XXXX XXXX would not give me the date of the original debt, continued threats to send me a subpoena and hanging up. 
After 4 attempts to call back and speak with them, I gave up. 

I am disputing the fact that there is even a debt and if there was the debt would be 22 years old well  beyond the Statue of limitations for medical debt for XXXX ( 6 years XXXX Revised Statutes Title 13 S.80-103.5 ) and XXXX ( 6 years 78B-2-309 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft and Defamation of XXXX. 
SEE ATTACHED.
Product: Debt collection

how is this account accurate when Im still seeing 3 different dates of last activity on each bureau. 
XXXX  XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. Also Experian is reporting the wrong balance and wrong past due. 
And the date of status shows Experian didnt investigate the account.