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

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}
Product: Checking or savings account

On XX/XX/2023 I booked a vehicle rental through XXXX paying {$1000.00}. On XX/XX/ I went in to get the vehicle and had a deposit snag at XXXX because my license had the incorrect number on it from XXXXXXXX XXXX XXXX ( I submitted a picture of my ID to XXXXXXXX XXXX XXXX  ). A XXXX associate had to put the correct License number in the database at the time I was checking out. XXXX had previous information that was still not updated or correct, so I was on their " XXXXXXXX XXXX XXXXXXXX XXXX '' list. This now was put in the XXXX system during my checkout. I was told to call XXXX up at the desk to sort out the situation. I spent a good amount of time that day on the phone with XXXX and reaching out to XXXX XXXX. When the refund was denied I told my Bank ( Bank of the West ) what happened. Then XXXX XXXX from Bank of the West reached out to me and asked about my situation. After I sent him the information an Adjustment Credit of {$1000.00} was added on about the XXXX of XXXX XXXX  The Investigation was started on the XXXX of XXXX. On the 96 day after, XX/XX/ BMO Did a provisional credit labeled as XXXX Liable Debit Transaction to my account of - {$1000.00}.
Product: Student loan

I make a {$200.00} XXXX XXXX payment monthly. It is in excess of my required monthly payment. Therefore, I am currently due for XX/XX/XXXX. My employer introduced a new benefit for student loan pay downs. My employer will be sending {$120.00} extra a monthly on my behalf to my servicer, FedLoan Servicing. The payment from my employer through XXXX, sent instructions to apply the payment as principal only. The intention is to pay my loan after faster by applying the payment to principal only - not interest. My payment was applied XX/XX/XXXX. I called XX/XX/XXXX regarding the payments application because it was applied towards interest and principal. I explained that there was a letter accompanying my paperwork explaining it should be applied as PRINCIPAL ONLY. I was told by XXXX XXXX, and XXXX XXXX that it is not possible to make a principal only payment towards your loans and they refused to make it a principal only payment. Both employees stated that FedLoan servicing only applies payments in that manner and they will not apply any payment to principal only, regardless of payment status. Mind you I am due for XX/XX/XXXX - all other loans I have, will allow a principal only payment as long as you are current on your payments. I am making a good faith effort to pay my loans, on time, in addition to paying about {$140.00} extra/month, yet my student loan servicer is making it more difficult for me to get out of debt by refusing to allow people to pay principal only. Creating additional profit at the expense of individuals attempting to rid themselves of debt. I would just like to be able to apply my future {$120.00} payments towards principal only.
Product: Mortgage

I have been with Selene Finance for a year or so now and everything was going well. About three months ago they sent me a letter along with a certified letter stating that if I did not send my payments by the XXXX of every month that their would be steps taken. Granted that XX/XX/XXXX is when it is due but I have a grace period of 15 days so it is not late until XX/XX/XXXX. I would always send it before the month was up so it did not show on my credit report. I ignored the letter and threw it away. Little did I know that they would stop sending me statements. For XX/XX/XXXX and XX/XX/XXXX I did not receive a statement. I sent them an email which they sent me back weeks later that they had thirty days to get back to me. I never heard anything. I let it go. Then I receive my XXXX bill which has my credit score listed every month. XX/XX/XXXX, it had dropped XXXX points!!! I could n't believe it! I started to investigate and checked my credit report through XXXX and realized that Selen Finance had told XXXX that my account is closed and that I am in chapter XXXX bankruptcy!! That is a bold face lie! I have never been in bankruptcy nor do I need to be considering my credit score was at around XXXX!! I disputed this with XXXX and they just sent me the results of their findings that it will be removed XX/XX/XXXX. First and foremost, I am not in bankruptcy and my account is not closed!! They receive my payment evry month. The bankruptcy can be checked by courthouse records and they can check my account with my account number. 
XXXX
Product: Money transfer, virtual currency, or money service

I was told i was sent a email for a class action lawsuit for a data breach with capital one which capital one confirmed i was apart of but i never received an email. When asked what i would have to do i was told its nothing i can do because its to late. I then asked while if i never received an email how could i respond and if you guys are saying my data was included then why not make better attempts to contact me.
Product: Credit card or prepaid card

Fair Credit Billing Act is a 1974 federal law designed to protect consumers from unfair credit billing practices. 
After countless hours on the phone with XXXX and XXXX and countless hours on the phone with my capitalone360 it was decided not in my favor for my chargeback I purchased an item that was not gold and was requested by the credit card company 360 to get them tested to prove that these bracelets were not gold they were supposed to be XXXX XXXX XXXX gold bracelets I received steel bracelets now because I was told of a clause that XXXX had the seller or the merchant had time to respond and evidence that he resented and because he sent in his information I was canceled out because he was compliant but there was no way that he could have proved that these bracelets were real because I do own them now I had to show them pictures of me wearing the bracelets I sent them the paperwork and documentation of when I got it tested to prove that they were still and nothing was ever done on my behalf it's almost like they treated the merchant like if they were the actual Master card holder after careful instruction from XXXX I if I discovered that the merchant that I brought the merchandise from was violated and is no longer able to sell or buy goods from XXXX even knowing this Capital 360 did nothing for me so I'm asking you guys to step in now this was a chargeback that came back twice they were able to legally open it back twice on me after settling this is totally unfair and after countless hours on the phone and with them asking me to provide them with paperwork they gave me no chance it's almost like they called me a liar from the beginning because I had to go get these bracelets tested the XXXX 's page was closed by XXXX due to violations of terms and conditions even after showing them that proof it was not enough I need somebody to carefully go into this account and see to it that the right thing is done here I am 9/10 and possession of steel bracelets not 18 carat bracelets they are fake XXXX you are not allowed to do that on XXXX so I don't know how much I can express that to them even after XXXX was trying to communicate XXXX they still didn't want to do anything it's like they were more on the merchants side than the actual card holder which is me XXXX XXXX XXXX these are the dates that the transactions took place I will try to provide as much information as I can thank you
Product: Debt collection

XXXX thinks I am lying about what I am complaining about. Well, Here 's some proof enclosed that I have, including XXXX help DMs from XXXX, XXXX, XXXX, and XXXX. 

XXXX said that you weren't going after me, Then how come the note from your Lawyers says " This is a attempt to collect a debt ''? They say different. 


I may have attempted to drop XXXX a note with my verified info in the mail, because I knew from previous exchanges that is what you always want. I never ever saw that note you sent me. I was trying to act like I knew her so she would respond to me, because getting any kind of customer service from you is like talking to a brick wall. 
It is impossible. 

I honestly thought since she didn't respond to my emails writing her would get her to listen. I had no idea that note from her existed. 
I was attempting to get ANYONE on your side to help me and listen. Then when you do finally I don't get notice of it. Thanks. 

This fight would have never occurred if you just would have notified me of that note. 
I had no idea she wrote back offering help. Your poor communication is not my fault. 

I should not be restricted to only talking to you on the phone in order to get something done. I have told you over and over again that I can't do that. 

This is all revenge on your part for me complaining too much. 
I wanted this remedied long before now and you have always refused everything I offer. 

You're demolishing my life, your demolishing my future. You couldn't care less. 

Since you've gone so low to essentially call me a liar now, I have a feeling even though I have sent proof you will still call me a liar. 
I know you don't listen to me at all because in XXXX 's letter she said I was to send the pictures of the front and back of the checks that were refused and sent back because they didn't have any record of them. I did send pictures of the checks along with the first complaint in XXXX. She didn't even bother to look at the proof I sent. 


You don't care, you don't listen. You would rather see me in trouble then try to remedy anything. 

You have blamed me for everything and I truly believe this is revenge for complaining so much. 

If you would have just helped me back in XXXX and solved this then, we would both be happy. 

I had told her I wanted the debt cleared and off my credit report because of the letter I got from XXXX XXXX XXXX. She didn't acknowledge anything and just said " all the info is correct ''. Not what I asked, and she knew it. 
No one listens. 

Don't acknowledge=does n't exist. That is how Capital One works. Also, blame the customer NO MATTER WHAT. 

I always wanted a settlement but since I hadn't heard from you at all I was attempting to negotiate ANYTHING so it would be on the books. Not fair that you are turning it around to blame me. 

This is all revenge because I complained too much. 
You've drug this on for nearly a year. It's enough. Fix this. 

You've kept me in the dark on purpose. All of this was unnecessary. 
I have already sent a note to the FIRM and a note to your address in XXXX XXXX XXXX. 

Do not contact me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XX/XX/XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.
Product: Credit card

I had an account with the Self XXXX XXXX credit card and to my knowledge the account was closed until I noticed that its been hitting my credit and Ive been accruing late fees never received any type of notice I called them and they said they can only reverse three fees and the remaining balance I had to pay upfront but no other options
Product: Credit reporting or other personal consumer reports

There are clear inaccuracies on my credit report regarding certain accounts. This incorrect information is unfairly lowering my credit score and could hurt my chances of getting better terms on loans.
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 from my report they are hurting my ability to obtain credit.
Product: Credit card

I 've had a Wells Fargo Secured Credit Card for two years. I funded the account with {$800.00} from my Wells Fargo checking account. When I called Wells Fargo to close the account today ( XXXX/XXXX/16 ), I was informed that the outstanding account balance, {$600.00}, will be applied from the {$800.00} deposit. This I expected. However, I was informed that the balance refunded to me will not be given back to me for 45-60 days. In addition, until the amount was refunded to me, I will have to make payments or be charged late fees. Also, I was told that the account needs to have that long of period to refund the difference in case there were any transactions from merchants that Wells Fargo has agreements with so the amount could be charged to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX XXXX Collection XXXX XXXX : The XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe the information is inaccurate
Product: Vehicle loan or lease

I completed a payment deferment package for the month of XXXX and XXXX of XXXX. At the time this was done, I had made a partial payment of {$150.00} and was waiting on an additional of {$300.00} that was mailed. I was advised that this would cover my XX/XX/2024 payment by GM reps. I am now being reported as over 60 days past due and this is not true. I am due for XXXX and as of today I am 30 days past due but no longer. I have been speaking to a manager by the name of XXXX and she's told me twice that the issue was resolved and that the reporting was corrected however this is not the case and I am still showing 60+ days delinquent. I do not want to lose my vehicle for inaccurate reporting. No one has truly corrected the issue of reporting or the amount due.
Product: Mortgage

I requested mortgage forbearance back in XX/XX/2020 to my mortgage company Home Point Financial. Forbearance was granted for 5 months. I started giving monthly payments again in XX/XX/2020. I requested a loan modificaron so the amount past due could be added to the end of the loan. My request was approved in XX/XX/2020 after I signed and mailed all the documentation. In XX/XX/ 2020 I started the process to refinance my loan with another mortgage company. This company is asking me for the loan modificaron documentation to be able to process the refinance. I have been asking Home Point Financial for this documentation since XX/XX/2020. I have called them approximately 6 times. Home Point Customer service representatives tell me the request has been submitted and I should recieve my documents by mail. To this date I haven't recieved them and haven't been able to continue the refinancing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish a paid account on Credit file. Company stated they will remove tradeline once account was satisfied.
Product: Debt collection

I want to report malicious business practices committed by EOS CCA. They allegedly acquired a debt in my name from XXXX which is currently being reported on my XXXX  credit report. In speaking with XXXX, I have once again confirmed that this alleged debt should be considered invalid and collection efforts stopped. With that said, EOS CCA continues to pursue collection, without viable cause in defiance of cease and desist demands. This includes continuous reports of monthly late payments on an account that should not exist. These false claims have inflicted hardship to myself and family in the area of financial advancement and have created unnecessary stress. I am firmly confident that multiple violations of the Fair Credit Reporting Act are in place. This debt is completely false which will be proven in due time. My hope is that EOS CCA will swiftly rectify this situation, stop all efforts, and remove all negative reporting in order to avoid future escalation. Today 's consumers face many difficulties. We shouldn't have to worry about predatory and unwarranted collection practices.
Product: Mortgage

I am following through on filing a XXXX complaint against Wells Fargo after speaking with XXXX of CFPB and letting her know that there is no legal aid for the County of XXXX where I live. I let her know that Wells Fargo has sent me a letter dated XXXX XXXX stating that " [ we ] do not meet the requirements of [ the loan modification ] program because the loan modification is not signed. " We have contacted Wells Fargo several times to amend a modification that uses employment data instead of unemployment data. On XX/XX/2015 I spoke with XXXX XXXX XXXX She gave me a fax number that did not work when I tried to use it to submit another attempt to clarify what was happening with my XXXX mortgage. On XXXX/XXXX/2015 Wells Fargo employee XXXX XXXX was contacted by us via telephone to verify which funds and the check numbers of funds she was applying to our XXXX mortgage account. She could not give that information. XXXX XXXX was asked to verify if any paperwork that she had showed that we were employed. She could not. XXXX was then notified that we were being blocked from accessing our account online. She indicated that the property did not have a sale date. We discussed that I would continue to send in both the modification and forbearance payments. She indicated that they would most likely be sent back to us. At no time did she indicate that Wells Fargo had been trying to contact us or that she had any additional information to share with me. 
We also let XXXX XXXX know that since Wells Fargo is unable to correct the financial information on their end, we will submit a new application for a modification based on employment. 
Another company, XXXX, gave our information to XXXX. A representative, XXXX XXXX called me on XX/XX/XXXX. We were told we did not need to pay any money. XXXX then told me that Wells Fargo will not allow them to help us. XXXX XXXX called on XX/XX/XXXX and stated the she as XXXX, however she could give me a XXXX time counseling session.She would take my timeline and write a summary for wells Fargo and I was not allowed to have access. 
We contacted Wells Fargo on the XX/XX/XXXX ,XX/XX/XXXX and XX/XX/2015, however Wells Fargo XXXX latest response was that " [ they ] have been unable to establish contact with [ us ] .... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.