23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called to update my income based repayment plan for XXXX to XXXX. The new amount was {$110.00}. I didn't agree because it is not what I calculated. Then the rep said I could re apply by XX/XX/XXXX and re enter with a new amount cause I needed to enter my XXXX XXXX as a dependent. She then over the phone gave me a new amount. XXXX. it is now XX/XX/XXXX. I did not get an updated amount or resolution or answer and I faxed and emailed my new application and tax return again!!!!!! I am done wrong and financially robbed of my new payment. They lied and never got back to me. Also I think I am paying interest incorrectly. Indeed to have this research
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

Experian didn't properly verify the items on my report and I didn't receive the original consumer contract with my signature on it. By law these unverifiable items must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Product: Debt collection

I called Barclay Bank of Delaware in an attempt to settle the debt. They have it marked that is was included in a bankruptcy. I did not follow through with the bankruptcy. I want this cleared up on my credit report as it is hurting my ability to get through life.
Product: Credit reporting or other personal consumer reports

This account " LVNV FUNDING LLC '' is fraudulent! I have NEVER had an account with XXXX XXXX who is the Original Creditor. I've completed a Police report and a FTC report ( which I've attached for record keeping purposes ). I intended to sue for the maximum amount that a Texas District  Court allows under " Civil liability for willful noncompliance '' if this isn't removed from my credit report immediately. I have evidence to proof my case in court without reasonable doubt.
Product: Checking or savings account

XXXXbank of america edd card. 
Bank of America intentionally requiring you to come into the bank multiple times to verify your identity. 

Only to hold your money and to make interest from it! while at the same time closing banks, and requiring appointments. 


I have had to go into the bank multiple times giving the exact same information, which they already have on file! 

This fraud! This is consumer fraud!
Product: Mortgage

My home mortgage service company changed from XXXX to PHH Mortgage. I have a 60 day window to make payments. 
I received written notification of the change. I have been unable to set up an online account, after 4 attempts, taking at least one hour each. The website has confusing instructions and does not function. 
Neither Customer service or IT service are able to assist me. 
I am not sure these people are capable of managing my loan. I do not want this to have a negative impact on my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX Bank, XX/XX/2018, XXXX XXXX XXXX XXXX, XXXX Card, XX/XX/2018, XXXX XXXX Bank Texas, XX/XX/2018, XXXX Card, XX/XX/2018.
Product: Checking or savings account

So I was XXXX and had a joint checking with my mom and wells Fargo cashed 2 fraudulent checks and called me and told me that they even had footage of the person in Georgia using the ATM to cash the checks but they charged me overdraft fees and then wouldn't hear us out and closed my account despite taking my mom to the bank along with the copies they sent us of the fraudulent checks and they looked SO FAKE! but they said that their hands were tied and closed our accounts. I found that extremely unfair because THEY KNEW IT WAS FAKE TOLD ME ABOUT IT SUPPLIED ME THE INFO then REFUSED to keep my account open even though my Mom and i went to 4 different locations to fix this. Now my brothers and sisters all use wells Fargo but I'm ruined along with my mom and I was only XXXX you know so it looks so bad
Product: Debt collection

SIMM ASSOCIATES INC. is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with SIMM ASSOCIATES INC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. SIMM ASSOCIATES INC. is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Debt collection

On or around XX/XX/XXXX, a credit bureau dispute was submitted against this company for an erroneous balance they claim is owed to " XXXX XXXX XXXX ''. On or around XX/XX/XXXX, a written dispute and request for validation was sent directly to collection agency, Hunter Warfield Inc. They were also advised to cease and desist verbal communication. This company failed to provide adequate proof of this alleged debt within a reasonable time frame. They continued to call and harass me repeatedly after receiving notice to cease communication other than a written response to my dispute. They also reported to the credit bureau that this debt was verified as accurate, however after speaking to the original creditor it was found that the balance was in fact erroneous. This debt was taken to court in XX/XX/XXXX through XXXX City Court and was dismissed. I have filed an attorney general complaint against the owner of this debt, XXXX XXXX located in VA as well for failure to address and correct this matter within a timely manner. Hunter Warfield Inc has had many complaints against them for deliberate violations against consumer rights. They run a very unprofessional operation and I believe their name is used as a scare tactic to make people think they are an attorney, which in my opinion is a deceptive practice. I would like to ask that this company be fully investigated by the CFPB.
Product: Checking or savings account

Several years ago Wells Fargo opened accounts without my authorization, more than the accounts I was choosing to open. 
I have dealt with multiple problems with these particular accounts not being closed as they claimed they had been. I made a previous complaint ( XX/XX/XXXX ) against Wells Fargo due to the issues of receiving debit cards for supposedly closed accounts. When I had attempted to contact them, nobody could help me and kept telling me incorrect information regarding this issue. When I was directed to the Executive Office, they were the least helpful and extremely rude to me. That is when I filed a complaint here. Wells Fargo failed to initially respond to the CFPB complaint in timeframe allowed. When they finally did, their response was from the Executive Office and although thorough, the issue had already been resolved at branch level by a competent employee of Wells Fargo. The response letter did inform of a monetary amount to me for {$120.00}. That was stated to be deposited within 2 statement cycles. This is has now not happened. When I contacted the Executive Office of  Wells Fargo, they placed me on long holds asked me numerous times for this case number and didnt seem to know or have information on this matter. As they did before they asked me for my number and will call me back once investigated. This is appalling that they seem to have no clue as to what I am calling about. They asked me where I got this information, I then read letter FROM Wells Fargo to the rep on the phone. I was initially respectful to the monetary resolution and the fact that the issues were addressed, but I have never received their customer appreciation monetary relief they stated would be provided nor does anyone know what is going on, nor have they called me back. They stated this before that they would call back and never did then either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request for Method of Verification to Experian Credit reporting Agency for the XXXX XXXX XXXX account # XXXX. I received an email XXXX at XXXX from Experian telling me that the investigation should be completed by XX/XX/2018. 

I called Experian on XX/XX/2018 at approximately XXXX and spoke with XXXX , who said that XXXX has about 30 days to respond to your dispute. I attempted to explain to XXXX that I sent a letter directed to Experian to send me their method of verification procedures and it should be done with in 15 days. XXXX mention that he had previously talked to me about this account, and I would be notified of the results within 30 days. He asked was there anything else. The called ended after I said no. 


At approximately XXXX EST I filed a formal complaint with the CFPB, Complaint # XXXX ; concerning Experian total disregard for FCRA- method of verification. 


At approximately XXXX XX/XX/2018 Experian sent and email alert to me, telling me that my dispute concerning XXXX was completed and the results are ready to be viewed. 

Experian has once again violated my rights as a consumer under the FCRA. Experian did not even bother to preform a fair and reasonable verification investigation. All they seem to have done was either go through XXXX  or just updated the negative account themselves. 


Because of Experian total lack of regard for FCRA compliance requirements, I have suffered financially as a credit consumer. 
I strongly believe that Experian is retaliating against me for filing a formal complaint against them.
Product: Student loan

On XX/XX/2023 I submitted for an IDR plan via studentaid.gov. On XX/XX/XXXX, my application was reviewed, processed, and approved with a monthly payment amount of {$27.00} under the new SAVE plan. 
Within the application portal the following message is posted : " Your loan servicer will reach out to you with additional details regarding your completed application. Contact them if you have any questions ''. By XX/XX/XXXX I realized I had received not correspondence about my SAVE plan or about updates about my application. 
On XX/XX/XXXX I received an email saying there was as new message on my account. On XX/XX/XXXX I set up a new account to link my old servicer website and the new servicer website ( which I was prompted to do so via the old website ). 
When logging into my account, I discovered that all of my loans had been consolidated with a payment of {$210.00} due on XX/XX/XXXX and no SAVE plan was notated on the account. 
I allowed 3 weeks to pay to allow for potential processing times and anticipated high call volume. On the 4th week of XX/XX/XXXX I made a phone call and waited on hold for 6 hours, only for my phone call to be answered and the subsequently dropped/hung up on right after. I then called the next day and requested a call back. 
I received a call back the next business day from an agent. 
The agent stated : There is not a current SAVE plan application on file and that I would have to submit a new one over the phone or via the website. ( Despite having application reference numbers and submission dates/tags she denied having seen an application for me present ). I was able to submit an application online with an estimated payment of ~ {$12.00} per month with the SAVE plan, however she informed me that the application would take 30 days or longer to process. With a payment due of {$210.00} on XX/XX/XXXX, she informed me to " pay a small amount and we will not send you to the collections agency ''. It is now XX/XX/XXXX and I have received my first delinquency letter despite paying {$30.00} on XX/XX/XXXX to avoid being sent to collections. My account is now past due with interest accrued, {$400.00} due on XX/XX/XXXX, and no correspondence about the progress of my application. When calling back last week, I was notified of the same thing the previous rep told me : the process takes 30 days or more and all I can do is wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Product: Prepaid card

I made several transactions that were declined and the company held up my money for seven days each time stating it was the other company that was holding up the money. If the transaction is declined what ever money is on the card should be able to be used. Their thieves. I printed the transactions so I have proof.
Product: Debt collection

I recently pulled a copy of my credit report and noticed an unfamiliar company listed under collection so I disputed it with credit bureau and they send me a letter saying it was verified to be mine. I do n't have or recall even signing a contract with a company by the name listed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian 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 XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
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 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: Checking or savings account

hello my name is XXXX XXXX and I had all my government benefits direct deposited to my cash app account and on XXXX I turned my self in and went to XXXX  and I turned my phone off and on XXXX three transactions were made on my cash app account by this person who I don't know with the cash tag of $ XXXX and the transitions were two payments for {$1000.00} dollars each and one payment for {$170.00} dollars on XXXX I was released from XXXX  and I was forced to get another cell phone and start another cash app account because cash app refused to grant me access to the old account that I had with the old phone number of XXXX and the cash tag of $ XXXX so for months I continued to consistently worrie cash app and beg them to switch my old account over to the new account that I had created with the cash tag of $ XXXX so I was able to convince someone Todo switch the accounts and me access on XXXX and once I looked inside of the account I saw where all my government benefits were transferred from my account to this person who I don't know or ever met with the cash tag of $ XXXX so I immediately called the police and filed a police report with the local police department and I filed a dispute with cash app concerning this illegal transactions and I provided proof that I was in XXXX  when all this took place and I told them that my stimulus check was stolen and my monthly social security XXXX check was stolen as well so I contacted the states attorney office where I live and filed a complaint with them as well about this unauthorized activity meanwhile cash app response to my dispute was denied and I was told that I knew about the transactions and I kept trying to tell them and I provided proof to them that I was XXXX  when all this took place so I've appealed the decision of me being denied and I'm getting frustrated because I really did not have any thing to do with any of these wrong doings so now I'm losted I've enclosed copies of all corrospondance and all the documents that I've provided to cash app to show and prove to them that I played no part in this unknown person hacking in to my account and transferring all my government benefits out my account.
Product: Debt collection

I had XXXX XXXX XXXX and I had in writing that I would be charge one price and then for several months it was this other amount and XXXX  I didn't like that and I did not sign a contract I canceled out. And then I went right down to XXXX XXXX  and returned the equipment. Now they say I owe this amount. No I don't I paid everything I was suppose to pay and returned all the equipment. I have been fighting this for years and years and it's getting old
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I had transferred {$1.00} via XXXX from my XXXX  XXXX XXXX account to my younger brother 's Chase account as a trial transfer. He confirmed he had received that amount. Therefore I went ahead and transferred {$1000.00} on the same day. He did confirm he had got the transfer and went to an auto repair shop to use it. 

XX/XX/XXXX - My brother contacted me that his Chase account was blocked. I am not sure of the reason, but he had came back to the states after 2 years of internship. The sudden activity may have been a red flag possibly. He found out that his account was permanently closed when he contacted Chase. He then reached out to Chase to re-open his account and was informed that they can not do that. Instead Chase said they can open a new account with them. 

XX/XX/XXXX - Chase had opened a new account for my brother. His spending in his previous account on XX/XX/XXXX and after had been reflected on his new account. However, the XXXX transfer of {$1.00} and {$1000.00} did not show on his new account. When he had contacted Chase, they had told him the transfer has bounced back to my XXXX  XXXX XXXX account. They said that this should show in few days. 

XX/XX/XXXX - I had still not received the transfer back. When my brother contacted Chase, they had told him that I should contact XXXX  XXXX XXXX to file a claim. Therefore I opened a claim with Bank XXXX XXXX. 

XX/XX/XXXX- I had got a denial of my claim. I contacted XXXX  XXXX XXXX that neither I or my brother had received this money and to re-open this claim. Every time my brother contacted Chase, they told him I should reach out to XXXX  XXXX XXXX. They mailed him his previous account statement as proof to send to XXXX  XXXX XXXX. 

XXXX and XX/XX/XXXX - I had made multiple phone calls almost every week with XXXX  XXXX XXXX. I had gotten several denials of re-opening this claim. 

XX/XX/XXXX - I had spoken to a XXXX  XXXX XXXX representative and she had told me to email any documentations that may help so they can reconsider this claim. 

XX/XX/XXXX - Again called XXXX  XXXX XXXX to see if they had re-opened my claim but they said no. I asked what I can do to get my money back they said they are not sure. 

I can provide my bank account statements, my brother 's current bank account statements, and previous bank account statements as proof to show none of us got the money.