23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by XXXX XXXX on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by XXXX to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call XXXX XXXX in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another XXXX XXXX XXXX. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that XXXX presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in XXXX system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XXXX XX/XX/XXXX, I attempted to transfer money from my Navy Federal Credit Union account into another Navy Federal account. I mistakenly transferred money into an old account that my husband had and haven't used since XXXX. Once I noticed the mistake I made, I immediately called Navy Federal to get assistance correcting the problem. But Navy Federal refused to do it because they told me that it was a receiving account only due to settlements that was settled last year. They told me that the accounts were not settled even though my Huband paid the accounts via settlement using his external bank and filed multiple 1099-C 's completely settling the account. Navy Federal insistingly wanted to collect monies for accounts that was settled and placed his accounts in this status.

Navy Federal went on to say my husband owed {$4000.00} ( Settled ) and {$250.00} on another account that was settled. They were illegally pursuing {$250.00} and {$4000.00} that was already settled. We have the bank statements and 1099-C to prove it.

For this very reason, my husband hasn't used Navy Federal and these accounts in years since XXXX. And the statue is only 36months and these are unfair debt collecting practices. The agents kept hanging up on me and my husband. We requested a letter stating the accounts were never settled and they hang up. We called for the credit union to correct this, and they once again hang up on us. This occurred over ( 14 ) times in ( 2 ) days. They refused to correct the transfer, they refused to speak with us, and they refused to send a letter stating that the accounts were not settled. My accountant and I saved copies of the bank statement showing payments and the 1099-c 's. All which was paid last year. But they stated that my husband still owed {$4000.00} and another {$250.00} on another account. They were unprofessional, rude, and dismissive. 
An old account that hasn't been used nor log-in since XXXX. Navy Federal placed an hold on the account for accounts that wasn't associated with my husband 's old savings account. XXXX Navy Federal Savings .
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notifications from my creditor 's credit monitoring service that there were several hard inquires on my credit report. I did not try to open any new lines of credit, auto loans or credit card applications. 

I reached out to all off the creditors that were reporting a hard inquiry. 

Bank XXXX XXXX XXXX XXXX loan- this was flagged by them as fraud and reported to the XXXX credit bureaus. 
XXXX Bank XXXX- this was flagged by them as fraud and I was told to report it the bureaus XXXX XXXX- said they did not receive the inquiry or application but it is showing on my credit report by all XXXX bureaus. 
XXXX - flagged as fraud and reported to bureaus - sent a letter dated XX/XX/year> XXXX XXXX - reported as fraud and reported to bureaus - XXXX XXXX sent a letter dated XX/XX/year> XXXX - called me on XX/XX/year> to confirm an application in my name- they had my address, date of birth and drivers license information as well as an email that was incorrect XXXX  ( XXXX ) - a new credit card was opened in the amount of {$35000.00}. I called chase immediately and let them know this was not authorized by me and asked them to remove the new credit card from my account
Product: Checking or savings account

I've continued to sustain damages due to unauthorized accounts opened by Wells Fargo reps which include inability to open deposit accounts with financial institutions such as XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX to name a few. Additionally, I've lost potential interest on these accounts, due to inability to open them. I was offered a remediation settlement amount of {$3700.00} by XXXX XXXX with Wells Fargo remediation in XXXX of XXXX for damages caused, which I just detailed. To date, no payment received, numerous prior CFPB complaints filed in re, unresolved/unaddressed. An affidavit was filled out in regard to supposed payment sent, intercepted, cashed by a third party. The matter was investigated, funds returned to Wells Fargo, a second check supposedly reissued after I moved from prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment was supposedly sent in XXXX or XX/XX/XXXX, I moved in XX/XX/XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX have replied to this issue by verifying address payment sent to in which case anything sent to old address by XXXX, XXXX, would not be received. A signature decline is also referenced which I am unaware of, the Wells Fargo rep I dealt with insisted on a signature for package which contained check reissue. No packages received from XXXX, XXXX which require signature to date, including to current address. It appears any check sent to prior address was intercepted, cashed by another party, if show cashed. Further, a mediation offer amount of {$500.00} plus estimated IRS taxes not received, also sent to old address. It appears Wells Fargo reps are attempting to claim address verified is a release of funds owed, which it is not. Further, neither payment amount, {$3700.00} or {$500.00}, cover damages sustained to this date from these unauthorized accounts. In closing, please forward this complaint to another Wells Fargo rep other than XXXX, this rep continually refers back to address verified which does not address missing payments
Product: Credit reporting or other personal consumer reports

I am a victim of Human Trafficking and I mailed all my documentation to all three credit reporting agencies. Each agency has received my information. Ive attached proof below. Experian and XXXX has not blocked the information in 4 days per FCRA Title 15 U.S. Code 1681c3 - Adverse information in cases of trafficking.
Product: Student loan

Ive been dealing with Sallie Mae ( naviant ) Since I borrowed loans in XX/XX/XXXX. Since then Ive been making payments and sometimes have missed a couple. There customer service is horrible and abusive. In the past Ive mentioned there law suite on the phone to a manager for unlawful loan practices in our phone conversation and the supervisor hung up on me saying we cant discuss that. 
In one phone call the collector told me if I cant make a loan payment I should sell my house and belongings because their going to come get them after we go to collections. 
Most recently XX/XX/XXXX I lost my job after 3 yrs as a XXXX XXXX XXXX. 
During that time I was unemployed and was getting NY state unemployment for XXXX a week. Not enough to pay all my bills and provide for my kids and family let alone pay XXXX a month in student loans. I was unable to pay them. I called countless times to naviant to see if they could help me and do something with my loans since I was unable to pay until I got a new job. Their reply was its not our problem you dont have a job, pay your loan or we will take you and your family to court. Also in previous years I wanted to take my co signers off the loan and they said thats not possible because they are responoble to pay as well and cant be removed even though I was making payments every month. Now I have a new job but I am making 20k less a year. Ive told them most recently in weekly phone conversations that I cant pay the XXXX a month I use too because I make 20k less a year now. The money just isnt there. Their response is thats too bad thats the best we can do, pay it or be prepared to go to court. 
Honestly at this point I am not sure what to do? 
I am not trying to avoid paying them but they are so hard to work with and dont what they do or say as long as they can squeeze money out of you. When I was making monthly auto debited payments they would call my co signers and day I wasnt paying to try and get additional payments. Not right! 
Also my wife has students through them as well. obviously our house hold income is the same but they are unwilling to help her with her loans as well. They didnt offer the same financle hardship repayment program to her. They said it didnt apply to her loan and situation. Its the same household and situation. These are only a couple examples of the last 15 years of dealing with them. Its been the worst experience and most regretful decision Ive ever made. 
I need advice. Honestly I can say whole heartedly that if I knew that I would have to deal with them when I was thinking of going to college I would have never gone to college. It wasnt worth going to college to deal with them and their absolutely ruthless loan practices. 
I advise young people to not go to college if it means dealing with navient. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Experian showing # XXXX XXXX showing # XXXX XXXX showing # XXXX * Disputed charge off balance error with all three bureaus XX/XX/XXXX * Disputed that the account was incorrectly being reported as a charge off with a balance due, XX/XX/XXXX I asked that I be mailed proof of the investigation and proof of the negative payment status, no documentation was received. 
* Disputed missed payments on XX/XX/XXXX. XXXX showing no 30, 60, or 90 day missed payments. XXXX showing ( 1 ) 30 ( 1 ) 60 and ( 19 ) 90 day missed payments, while Experian is showing ( 1 ) 30 ( 1 ) 60 and ( 3 ) 90 day missed payments. All three reports are inaccurately reporting false information how can 1 credit union show no late payments and the others are showing several late payments? 
* On XX/XX/XXXX I asked for statements and records of all payments made and missed, I also asked for Validation with the creditors and any documentation associated. Nothing was sent to me by mail or email. 
* XX/XX/XXXX asked for a Status Verification Request. No results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Include the documentation that was used to verify the dispute. You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX XXXX
Product: Debt collection

According to 15 U.S. code 1681b ( 2 ) and FCRA section 605b it is illegal to report anything on my credit report without my permission. Please remove anything on my credit report without my permission also 15 U.S. code 1692 ( g ) & 15 U.S. code 1681b ( a ) ( 2 ). Please remove Wakefield & Associate account number XXXX date opened XXXX with a balance of XXXX. Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 

Thank you XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the account referenced above, which is being reported on my credit report by I C SYSTEM. The details of the disputed account are as follows : Creditor : I C SYSTEM Original Creditor : XXXX XXXX Ohio Account Number : XXXX Highest Balance : {$1800.00} Last Reported : XX/XX/XXXX Current Status : Derogatory, Placed for Collection This account is being inaccurately reported on my credit file. I am requesting a full validation of this debt, including : Proof that I C SYSTEM has the legal authority to collect this debt. 
A full itemization of the debt, including any fees, interest, and original charges. 
Documentation proving that I authorized this account and that the balance is accurate. 
Any contract or agreement that legally binds me to this debt. 
Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this account. If the information can not be validated, I request that this account be deleted from my credit report immediately. 

Please consider this a formal dispute, and I expect a response within 30 days of receipt, per the FCRA. If no valid proof of this debt is provided, I will escalate my complaint to the appropriate consumer protection agencies. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

Dear US Bank Customer Service, I am writing to express my deep dissatisfaction with the service I have received from US Bank, which has led to a distressing and frustrating experience that I feel compelled to address formally. Since XXXX XXXX, I have been locked out of the US Bank mobile application I installed on my phone. Despite making over 20 phone calls and visiting three different branches, my issues remain unresolved. The lack of effective communication and assistance from your staff has been nothing short of appalling. Moreover, I believe that your employees have acted unprofessionally and have failed to uphold the ethical standards expected of a financial institution. I feel that I have been discriminated against during my phone interactions, which raises concerns regarding violations of the Americans with Disabilities Act ( ADA ), especially considering my status as a XXXX individual. I want to bring to your attention that I have recorded all conversations with your representatives, which clearly demonstrate negligence in oversight and a lack of accountability that could lead to serious issues such as embezzlement and fraud. Particularly concerning is the situation regarding a deposit from XXXX XXXX, which your team has incorrectly informed me was returned, despite evidence to the contrary. The emotional and financial stress this ordeal has caused me is overwhelming, especially given the challenges I already face due to my XXXX. I believe it is only fair to request compensation for the pain and suffering I have endured during this time, in addition to an immediate resolution of my account issues. I expect a prompt response to this letter and a resolution to my concerns. Should I not receive a satisfactory reply, I will have no choice but to escalate this matter to the appropriate regulatory bodies. Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Since XX/XX/2021, Capital One Auto Finance has reported negatively on my credit. It was paid in full by GAP and my insurance company in XX/XX/2021.
Product: Mortgage

My loan was recently sold from XXXX XXXX to MrCooper as of XX/XX/XXXX. I had refinanced with XXXX XXXX in XXXX and they provided my original loan documentation prior to the refinance to MrCooper who now show my mortgage as being paid off. I can not pay my mortgage and neither XXXX XXXX nor Mr Cooper have done their diligence in this matter that I had no say in. 

I have spent a combined 2 hours trying to reach a human being at MrCooper. I even went as far as calling their new loan applicant phone number just to speak with a person, who then directed me BACK to the automated phone number i had completely navigated. Nothing you do in the automated directory will lead you to a person. Their online customer help chat is always either unavailable or has 0 response after waiting for hours due to " heavy customer volume ''
Product: Credit card or prepaid card

I received  XXXX  solicitations from  American Express  in late  XXXX   XXXX  offering  XXXX  miles with  Delta if I signed up for the Gold Skymiles credit card befo re  XXXX   XXXX ,  XXXX  and spent {$3000.00} in the first 3 months. I received the card approval  XXXX   XXXX ,  XXXX  and spent over {$3000.00} by the end of  XXXX   XXXX . I have contacted  American Express  several times most recently on  XXXX   XXXX ,  XXXX  where a back office inquiry was opened and on  XXXX   XXXX ,  XXXX  to follow up on findings. I was informed that  XXXX  miles was all I would receive. I fulfilled all of my obligations to receive the  XXXX  miles according to the  XXXX  brochures I received but can not get an answer as to why  American Express  is denying me the miles.
Product: Payday loan, title loan, personal loan, or advance loan

I recently won a default judgment recently in the XXXX  XXXX XXXX XXXX against the XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX at $ XXXX to $ XXXX. See attached. 

I went to XXXX University XXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can get a loan for $ XXXX or more, or what you may allow. 


XXXX XXXX. XXXX ( XXXX Cong. ) ( XXXX ) found lawless persecution by terrorism for XXXX 's XXXX XXXX as a descendent of XXXX XXXX XXXX XXXX I and XXXX I because XXXX is XXXX the Top 1 % of the United States net treasury contributors . 42 U.S.C. 1981, 1982, 1985, & 1987.

The contracts-in-law ( United States Constitution, applications, other powerful contractors, etc. ) ministerial duty requires WellsFargo to help assuage and bring to an end this persecution. WellsFargo is a fellow contractor with XXXX XXXX XXXX XXXX through the XXXX, its local businesses that it represents, and the United States, the XXXX ego ; good faith and fair dealing requires reasonable performance per my disclosure to you. Third-parties can enforce contracts. WellsFargo has a corporate duty as a quasi-governmental entity to aid XXXX 's judicial victory. 



XXXX XXXX the Clerk of Court can verify the court, and his honors phone number and website are below. 

Phone : XXXX XXXX XXXX XXXXXXXX Please e-mail me back, and I will be able to call you. 

I've had over {$200000.00} probably in loans for XXXX XXXX  and XXXX XXXX XXXX XXXX, and they are paid off. 

Please email me rather than calling me. 


Best, from the Basis of the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX United States of America ( XXXX ) XXXX XXXX CONFIDENTIALITY NOTICE : This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.
Product: Checking or savings account

Hello! I have been getting charged every month from an unknown fraudulent company. The charges state that they are XXXX Autopay Credit Card fees. I do have a XXXX  credit card, but they did not come from my account. The charges are mostly {$35.00}, which is the minimum amount required for autopay. I have verified with XXXX that they did not charge me. Now, my account keeps getting charged despite not having anymore money in the account. This is how I was made aware of the scam and keep getting notifications in the mail for overdraft fees that I can not stop.