23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had to stop working in XXXX because of an ankle injury. When I call Wells Fargo to inform them that I was suffering a financial hardship and that I would n't be able to make my first repayment I was told that I still had to pay XXXX 's payment. I also informed that woman ( I do n't remember her name ) I talked with the first time that I would be going back to school in XXXX. She said I would only be able to get an in-school forbearance. I called again today, XXXX XXXX, and spoke to XXXX, XXXX, XXXX, XXXX, and a fifth person whose name I did n't catch and informed them of my situation. XXXX transferred me to XXXX to discuss my issue with not being able to afford my payment because I only recently found a job. I was given a ten day grace period even though I informed him that I can not afford a {$250.00} payment. I was informed him that I would be going back to school in XXXX. I was then transferred to a third person ( I did n't catch his name ) to discuss my repayment options. I was then transferred to XXXX to discuss refinancing my student loan. Though I was informed that my interest rate would go up and I would still have to make monthly payments while I was in school, which I ca n't afford. I was once again transferred. This time to XXXX in customer service. After explaining my situation for the fifth time I was thanked for being part of a military family and told that even though I 'm suffering through a financial hardship and that I just recently found a job that I still have to pay {$250.00} on XXXX XXXX, which is the new due date. After explaining to each person about my current financial situation and that on their website it says that Wells Fargo can help if someone is suffering through a financial hardship by setting up short-term payment relief for up to two months as long as youve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, loan modification program which may temporarily or permanently lower payment amounts. I was still told that I had to pay for the month of XXXX but I was never given an explanation as to why I have to pay the {$250.00} even though I have been suffering through a financial hardship since XXXX and only recently found a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I inadvertently purchased the wrong technology TV and tried to cancel almost immediately. The button to push to cancel never became live, although I tried for days. I began a return since I couldn't get anywhere else. I filed a dispute with Synchrony and checked back in about 6 weeks since I hadn't heard anything. I was told that it was decided in the vendor 's favor. After my initial shock, I gained enough composure to re-explain that I did not receive this TV and that I was beginning to think it was a scam from the start since you could only cancel if the button became live. It never did. Obviously, the investigation was poorly done. I was told my only recourse was to file another dispute and wait for another 30 - 90 days. In the meantime, my Synchrony Amazon account is carrying this balance. I never signed for this tv and I would think a picture of the delivery should be required, everything else does? They have no proof since it was not delivered to me. I just contacted Synchrony about the second dispute and was told it was decided in the vendor 's favor again. I think it is a third-party vendor with Amazon? Please help. I am so stunned and in disbelief that the credit card company, of which I am their customer, has no proof of my receiving this product yet is now looking for payment!! Thank you for being my advocate, I am at a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called XXXX XXXX. I cant even rent a house because of this issue! Not professional.
Product: Debt collection

Every day, I receive a call from XXXX, in which I do not pick up and this person leaves a message. It is a male, not a recorded voice and he sounds like he's talking in a call center ( i.e. background noise ). He has an American accent and voice is a deep tone. The voicemail is identical each day, never addresses any names, just says : " We have an important message from capital management services. This is a call from a debt collector. Please call XXXX. '' I have no debt, so know this to be a false call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of major identity theft with having my personal information jeopardized in  XXXX  major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you
Product: Money transfer, virtual currency, or money service

transaction dates are as follows in which I have not received payments as the money hasn't been deposited into my account. The customers have paid vis ACH funds and there was XXXX charge backs XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00} Wellsfargo and XXXX XXXX XXXX are all ISO 's of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX XXXX number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today regarding my account with XXXX XXXX XXXX. It would seem that XXXX has a practice of not counting months as 30 days ; thus, use irregular months ( months that are 31 days ) to count from one month to the next ; thus, this unfairly creates 30 day late payments to their customers. For example, at XXXX XXXX if onXXXX pays XXXX the XXXX one month and XXXX the XXXX the next month is not 30 days they count it as 31 days. Ive never done business with a company who does this most companies Ive done business with uses a rolling thirty days no matter the irregular months ( which is wise ). Because of this practice, XXXX XXXX XXXX has negatively impacted my credit rating with a 30-day late payment on my credit report. Furthermore, if this is their practice they should inform customers of this fact : I never received any written correspondence that reflects this practice or formal notice of this policy. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies ( Experian, XXXX & XXXX ). My car payments are due on the XXXX of every month and recently I changed to the XXXX of the month. There seems to be a technicality or a mistake with a late payment of 30 days for the month of XXXX on my credit reports. In the month of XXXX there was 31 days in the month ; thus, making my XXXX payment on XX/XX/XXXX resulted in being 30 days ; however, paying the same day ( XXXX ) of the month prior in XXXX ( XXXX payment ) resulted in being 29 days. This is an unfair a deceptive practice of credit reporting - especially for someone planning to make a payment on the same day every month. Further, extremely hurtful to customers intentionally or unintentionally.
Product: Money transfer, virtual currency, or money service

Cash app has taken money from me on multiple occasions. From the beginning of XXXX to summer of XXXX. When I reported fraud to them they closed my account claiming that I violated terms and conditions but could never tell me how, when, and what terms and conditions were violated. When I had fraud on my account I could never get in touch with anyone regarding the matter so it was lost. I lost about {$2500.00} with cash app.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have received a hard inquiry after applying for a car lease with XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.
Product: Bank account or service

I SUBMITTED A HANDWRITTEN NOTICE US BANK XXXX BRANCH DEMANDING TO CLOSE MY ACCOUNT. MONTHS LATER I RECEIVE DISCRIMINATORY TELEPHONE TACTICS OF DEBT COLLECTION EFFORTS IN EXCESS OF {$230.00} BY A THIRD PARTY DEBT COLLECTOR. MY LETTER STATED THAT THE ACCOUNT WAS TO BE CLOSED AND REMIT THE CLOSING ACCOUNT BALANCE DUE STATEMENT TO MY PO BOX IN XXXX OF THIS YEAR. I SINCE HAVE BEEN HARASSED AND THREATENED BY THEIR DEBT COLLECTORS DECEITFUL ACTIONS. THIS ACCOUNT IS PAID IN FULL. REFERENCE NUMBER XXXX. CONFIRMATION NUMBER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

I requested a loan payoff amount from Wells Fargo for my mortgage roughly XXXX dollars. 
Once I received the pay off amount I endorsed the coupon for the complete amount of my mortgage. By certified mail I sent off the endorsed coupon along with instructions for the CFO to respond in writing that he completed his portion of the endorsement process. Also if he did not perform his fiduciary duties for this account, the reasons should be given in writing. This packet was sent off XX/XX/2023 The company responded XX/XX/2023 in writing by sending a copy of the mortgage with no reason stated as to why the CFO duties were not completed for the account. 
A second letter was sent off by certified mail including : an endorsed coupon for the amount of the monthly payment of XXXX, instructions titled Tender of payment/Opportunity to cure. No response was received by me from the company explaining the total loan pay off, so I began sending in the monthly coupon endorsed and perfected. The company replied with the same packet that was sent to me at first ( XXXX response ), completely ignoring the instructions. The second reply was received XXXX XXXX. 
On XX/XX/2023 a third packet was sent to the company with instructions for the CFO to complete his fiduciary duties connected to my account. The instructions titled Tender of Payment/default notice and an endorsed coupon for the monthly amount of XXXX. 
I received a third erroneous response dated XX/XX/2023 with much of the same information as the two previous packets sent to the CFO. A forth packet was sent off titled Tender of payment/2nd default notice along with the monthly endorsed coupon directed towards the CFO requesting same as before. This time I included : Federal Reserve Act Section 16 and 29, UCC 3-603, 12 USC 1431 , 15 USC 1681 ( n ), 18 USC 8 and the statement a contract must be equitable to both parties. 
XX/XX/2023 I received a response stating they have refused my tender of payment and all future similar items will not be accepted and we will not respond to matters of the nature in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, XXXX and Experian : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, XXXX, and Experian on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
Product: Credit card

I purchaced an item from XXXX and it was delivered XX/XX/year>. I used the product for less than a week and decided it did not work as advertised so i submitted a return request on XX/XX/year>. The company responded on XX/XX/year> asking for a reason, so i explained the problem. I again asked for return instructions on XXXX XXXX, but the company continued to avoid my request so i filed a dispute with the Apple XXXX card issued by Goldman Sachs bank XXXX XXXX XXXX, XXXX. 

They asked for evidence so i provided them with the email exchange between me and XXXX. On XX/XX/XXXX, apple determined the goods or services were not returned within the timeframe described by the merchant 's terms and conditions even though i specifically requeated return instructions that XXXX did not provide. 
I spoke to apple support who resubmited my claim and it got denied again on XX/XX/year> claiming that Based on our review, the original decision will remain because there is no evidence to substantiate the claim despite having provided the email exchange twice already. I contacted support and they again re-opened the claim asking for the same information for the third time.
Product: Mortgage

XX/XX/21 I called my mortgage company because I did not receive a monthly statement. Although, I had receive XXXX the month before. XXXX XXXX XXXX explained that because my loan Mature in XXXX that I could only get a payoff statement but could make payments against my loan. Now if that is not a deceptive practice, then I do not what is. This gives the company the ability to apply the payments as they see fit. So, it does not go against the debt but whatever makes the servicer the most money on. If I do not know if my payments are being applied correct then I am to trust a payoff letter is correct? I realized my loan mature but do the pandemic I do have the funds to paid it off. I did apply for Loss Mitigation but was offer a short sale even thought XXXX XXXX XXXX XXXX showed I would have equity
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the major credit bureaus XXXX, Transunion, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by XXXX and Transunion while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Experian from XXXX XXXX XXXX due to the fact XXXX was reporting an incorrect balance on my report. They were charging to much interest. I provided the letter to Experian from XXXX stating this. I asked this account to be removed from my credit file due to the inaccuracies. I don't care if XXXX updated the balance, it was still reported incorrectly for years and I want this account removed from my file per FCRA guidelines. I'm not sure what information Experian has claimed to verify, but I provided them with the letter from XXXX. If this is not removed. I will take further action against Experian. It has already been removed from other bureaus but someone Experian is not cooperating. I'm attaching the letter once again from the creditor. So, if XXXX claim the letter they sent is inaccurate, I need to know so I can take action. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an account on my credit report that does not belong to me. i tried to reach out to the company and the credit bureaus to explain this situation to have it removed but they denied me. it was opened on XX/XX/2015 with a XXXX balance. i would like this removed as this account is not mines as i am a victim of identity theft.