23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Weve had an FHA Loan through Wellsfargo since XXXX, in XXXX I retired from the XXXX XXXX XXXX, During the 4 months that I was forced to wait for a new job to start, we communicated with Wellsfargo About making payments. To which we were Assured that THEY Work with Vererans and we could Count on Them To Process the paperwork and Help Us. Well After 8 Months We Ended Up Paying The Owed Money with our Taxes, Because THEY Said we didnt Qualify For The Help. Now Here We Are In XXXX On XX/XX/XXXX Hurricane IRMA hit And our house was/is Damaged. We were told that XXXX XXXX and XXXX House Payments would be suspended, and could be DEFERRED to the End of our loan. We applied Right Away to have that done, but were told we would have to wait until the End Of The 90 Days. We were CURRENT on our Payments Before And We Started RIGHT After the 90 Days. Wellsfargo Assured Us AGAIN that they would be able to help us. Well we have EMAILED the Paperwork 4 times!! FAXED the paperwork 3 Times. AFTER all of these months I WENT AHEAD AND PAID THE PAST DUE AMOUNT IN FULL.. After CASHING A 401 K That I Took PENALTIES ON COSTING 1000s And on XX/XX/XXXX Wellsfargo REPORTED Our LOAN AS DELINQUENT! So our House Is STILL DAMAGED but We Cant RENT NOR CAN WE BUY A NEW HOME Because OUR CREDIT IS DAMAGED AND IN LIMBO!! Even though WELLSFARGO has Supposedly Been Working On Helping Us, And If Thats True, Why Report It?

I Believe Its A SCAM Because AS USUAL they Say There Are Problems With The Paperwork ( Hench the 7 PLUS Times Weve Sent Them The Paperwork ) They XXXX With People Until They Get The Money Anyways And Ruin Peoples Credit SO YOU CANT GET A LOAN WITH ANYONE ELSE!! Even when I Made The Payment, They Only Take Checks.. After I Told Them The Routing Number AND They Repeated It Back, THEY TYPED IN THE WRONG ACCOUNT NUMBER!! So after Waiting 2 WEEKS for the 90 Days Back Payment To Clear My Checking Account.. I HAD TO CALL THEM TO FIND OUT WHY IT HADNT CLEARED! So NOW I have to Wait Another 3 TO 5 BUSINESS DAYS for THIS Payment to go through!! In the meantime MY WIFE OUR 2 DAUGHTERS AND Myself ARE HOMELESS!!! And we CANT MOVE INTO A NEW PLACE UNTIL WELLSFARGO UPDATES C.A.I.V.R.S.!!!!!!!!!
Product: Credit card or prepaid card

There were unauthorized transactions on my US Bank Reliacard throughout XXXX and XXXX, 2020. After numerous attempts to get someone from US Bank on the phone, I finally was able to file a complaint on XX/XX/2020 and subsequently sent the dispute in writing via fax as they requested. 

No provisional credit was issued within 10 days, nor was I able to get a lucid answer from any of the representatives I spoke with on the telephone. My last contact with US Bank was on XX/XX/2020 when I spoke with a supervisor who informed me that no action had been taken on the claim yet. She advised that my completed paperwork had been received on XX/XX/2020 and that an escalation would be filed to have the case processed. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " Prepaid Dispute Resolution '' stating that claim number XXXX had been closed as " no error occurred ''. The date of this letter would obviously indicate that the customer service individuals with US Bank are incompetent and giving erroneous information to Pennsylvania Residents who have been forced to use the ReliaCard product during this pandemic as the claim was " closed '' three days prior to my call with a person who represented herself as a supervisor. 

I attempted to contact US Bank upon receipt of the letter via telephone - which was the method recommended - but their phone lines say to call back at another time and disconnect. 

US Bank has been negligent in their financial offering - namely, the ReliaCard - in that the cards do not have any fraud protection measures whatsoever and also no EMV chip despite an industry wide adoption of EMV technology to prevent fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that I am a victim of identity theft when a debt collector called me about a credit card payment for an account that I did not apply for. I had no idea what the debt collector was talking about. That prompted me to check my credit report and I found that someone had used my personal information to apply for and get approved for several credit cards that I didn't authorize my personal information to be used for. I tried to advise the debt collector that I knew nothing about the debt and did not benefit from it, but they said they couldn't help me. The XXXX XXXX account and the XXXX XXXX XXXX accounts should be removed from my credit profile because some criminal used my personal information without my permission to apply for and benefit from those accounts.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Employer - XXXXXXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Unknown - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXXXXXX 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 US SM BUS ADMIN ODA XXXX
Product: Mortgage

ILLEGAL RETALIATION & EXTORTION Federal Law entitles a consumer to file a complaint with CFPB if a financial institution engages in financial malpractice against the consumer. I exercised such right and filed complaints against OCWEN LOAN SERVICING , LLC recently. 

OCWEN agreed to correct its records and give me due credits only after I complained to CFPB. However, OCWEN retaliated against me for filing the complaints with CFPB as follows : 1. Following my complaint to CFPB in XXXX regarding OCWEN 's illegal charges of {$140.00} in my account, OCWEN credited my account for {$110.00} and denied the remainder {$25.00} ( EXHIBIT XXXX, attached ). In the process, OCWEN cancelled accrued modification incentive on my account ( EXHIBITS XXXX, XXXX, XXXX, attached ), but failed to identify and assign other eligible incentive as it proposed in EXHIBIT XXXX despite request that it do so. It is noteworthy that HAMP programs have incentives built in for consumers. 
2. In late XXXX, I filed another complaint with CFPB providing substantiating evidence that OCWEN illegally charged my account for the {$25.00} it had XXXX refused to refund. OCWEN, in turn credited my account for the {$25.00} XXXX EXHIBIT XXXX, attached ). However, OCWEN retaliated against me again by doubling my outstanding balance from {$2300.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ) to {$4600.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ), thus precipitating an artificial delinquency even as scheduled payments were made to OCWEN on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in keeping with an agreement I reached with OCWEN following my Loan Modification as evidenced by the history of my previous payments ( EXHIBIT XXXX, attached ). 

There was no past due payment amount and there is no past due payment amount contrary to OCWEN 's notation in EXHIBIT XXXX. Such entry is an illegal fabrication and purely retaliatory and nullifies California Law that gives the consumer at least 10 days from due date to pay mortgage loan without any penalties. The retaliation is intended to artificially induce financial hardship, enable OCWEN to declare delinquency, charge late fees and foil my satisfactory execution of terms of the loan and ultimately threaten foreclosure.
Product: Student loan

Nelnet is one of my student loan lenders. They refuse to send my correspondence via paper mail even though I have opted out of e-mail. In addition, I have been locked out of my account several times. 
I have called several times and have received pushback from the customer service agents regarding transparency of my account. I qualify for and applied for the IDR, income-driven repayment plan. When I applied in XX/XX/XXXX, they stated that " it was too early. '' When I tried to apply for it again in XX/XX/XXXX, they told me " that I had to submit a letter with a description of my income. '' When I stated that I had no taxable income, they continued harassing me, even though the letter is not part of the terms of the agreement. I am on the IDR with my other two lenders, XXXX & XXXX. XXXX recently got bought out by Nelnet, so I don't see how they can't streamline the process.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX and I noticed some incomplete and not accurate. XXXX reported that the Bankruptcy XXXX XXXXXXXX on my credit report was accurate but that was a lie the Bankruptcy Court name is inaccurate they have it listed as U.S Bankruptcy Court without the city and state so this will be inaccurate information. I sent a letter to XXXX on XX/XX/XXXX, and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking Federal law. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

I HAVE BEEN TRYING TO GET MY MONEY BACK FROM THE CREDIT CARD COMPANY CHASE BUT WHEN I CALLED THEY NEVER HELPED ME WITH ANY OF THESE TRANSACTIONS. I WAS CHARGED 3 TIMES FOR CHARGES I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. MY ACCOUNT IS NOW CLOSED AFTER ME HAVING TO PAY FOR THESE TRANSACTIONS I NEVER MADE. PLEASE HELP ME. I WILL LIST THE DATES AND AMOUNTS OF CHARGES THAT WERE FRAUD ; XX/XX/XXXX XXXX XXXX XXXX CARD LAST FOUR-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX CARD LAST FOUR-XXXX XXXX XXXX XXXX- XXXX XXXX  LAST FOUR-XXXX ALL THESE CHARGES ARE NOT MADE BY ME AND ARE FRAUD, PLEASE HELP ME GET MY MONEY BACK
Product: Credit reporting or other personal consumer reports

I received a copy from the clerk of court. Stating they never released person information on the credit bureau. Involving my XXXX XXXX. to be placed into public records from a third party the credit bureau uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Product: Debt collection

I have communicated with Clover App/XXXX to close my account on several occasions, they have not, all while still compiling monthly fees for service I do not use and have had issues with deposits transferred into my personal bank account and timeline, Clover does not employ English speaking customers who are easy to understand, I have not received any call back from supervisor nor closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the companies efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The companies are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Lexington Law for what I believe are unlawful and deceptive practices related to their credit repair services. My experience with the company has raised several concerns that align with allegations made against them, including illegal fees and misleading marketing practices. 
Issues with Lexington Law : Excessive and Unexpected Fees : After signing up for their services, I was charged fees that were far higher than initially disclosed. These fees seemed excessive and were charged without proper explanation, leaving me feeling trapped in a service I could no longer afford. 

Misleading Advertising and Deceptive Practices : Lexington Laws advertisements and sales pitch promised straightforward and affordable credit repair services. However, once enrolled, the terms changed, and I was subjected to additional costs and vague service offerings that were not clearly explained upfront. 

These experiences are consistent with broader allegations that Lexington Law has engaged in : Charging illegal advance fees for credit repair services. 
Using deceptive marketing tactics, such as bait-and-switch advertisements, to lure customers into signing up for their services.
Product: Debt collection

To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices Michael J Adams PC, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party XXXX XXXX XXXX  online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account. XXXX XXXX XXXX Balance : {$0.00}. Please send me the results of your investigation 30 days after my first attempt of dispute.
Product: Credit reporting

Despite my several attempts to have Equifax update and correct my credit report, there are several accounts that remain incorrect such as : XXXX # XXXX XXXX XXXX BANK XXXX XXXX XXXX has been paid in full and remains paid off yet is reported as owing a balance of {$360.00}. 
All XXXX XXXX accounts are incorrect. 

The following inquiries were made unknown to me and without my consent : XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards FCTUALDATA Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX Show Details
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to EQUIFAX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : 1. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 2. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 3. XXXX XXXX XXXX  Inquiry Date XX/XX/2020 ;
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit reports and noticed I had a fraudulent accusation on XXXX XXXX and Equifax. Please remove the accounts from the 2 credit bureaus mentioned they are hurting my ability to obtain credit
Product: Checking or savings account

I opened multiple fraud claims with EDD and Bank of America but I have not received any response. A account was
Product: Debt collection

I have received daily telephone calls from a company called LLR ( i.e. Lakeland Recovery Services in XXXX, CA ) threating to litigate a past due debt. Voice messages left do not comply with the Fair Debt Collections Practices Act as they do not leave their company name and threatens legal action if I do not call them back. I have retained such voice mails. More concerning is their attempts to contact extended family members and past employers, including my sisters husband. When I called the company on XX/XX/15, they informed me they are attempting to collect a debt from an online payday loan and did not have to comply with the FDCPR because they were a " mediator ''. This is false since they are collecting the debt and will accept payment of said debt directly. I have informed the company to cease and desist any further communication with associates, employers, family members and others. In addition, I have asked them to provide me written documentation of said debt since no one at the company has ever sent me anything in writing, either via email or regular mail.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. These accounts are fraudulent and need to be deleted immediately. 

Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$110.00} Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$200.00} Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$310.00} Account name : XXXX XXXX XXXX Account number : XXXX  Amount : {$4500.00}
Product: Credit reporting or other personal consumer reports

I want the following accounts removed that were reported without my permission : 1. XXXX XXXX XXXX ; XXXX ( Finance )  2. XXXX XXXX XXXX  ( Finance ) 3. XXXX XXXX ( Auto ) 4. XXXX XXXX XXXX ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian on XXXX occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per XXXX XXXX XXXX XXXX. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.
Product: Credit reporting or other personal consumer reports

I sent out three letters and nothing has been done with my report. I sent the disputes out in XXXX and still havent gotten a word feedback or change in my credit report