23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have a secured title loan with One Main Financial. XXXX XXXX XXXX XXXX XXXX I was late on my payment a few days. XXXX, a worker for One Main Fin. called me about the payment. I told her my situation. She started yelling and told me to bring the car to them. I had the car towed to them. She acknowledged that she did have the car and the keys. Now One Main continue to call me and won't acknowledge taking my car. I also had insurance as well as unemployment insurance on the loan. They refused to allow me to file a claim
Product: Credit reporting, credit repair services, 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. Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

While purchasing an item by accident knowing that I didn't have the funds it still went through having a limit to not be purchase when funds are not enough. After calling customer service to let them know what had happen I was told that I was fine that I shouldn't have to worry about it because I had called them to make sure the item was canceled. Afterwards I was still charged over draft fees and had other items coming in knowing I had enough to be covered but due to the accidentally item purchase it made me go negative and all the items that had came in afterward I was still charged for all other items an overdraft fee. I try to dispute it but they had refused my refund for overdraft fees.
Product: Student loan

- On XX/XX/2023, I attempted to call EdFinancial Services after having called them 2 months prior. The phone number on their website was incorrect : XXXX Their correct number is XXXX, and it was not easy having to search on other websites for the phone number. 
- Upon trying to call EdFinancial Services, their call wait time was " XXXX minutes '', and lasted for more than XXXX hours. I then attempted to reach out to their customer service agents, and none of them responded. Their live chat feature does not even have any agents- it should be considered fraud at this point. 
- On XX/XX/2023, I looked up ongoing lawsuits against EdFinancial Services, and saw that the Consumer Financial Protection Bureau ( CFPB ) already filed a lawsuit against EdFinancial Services for lying about student loan forgiveness. Given the horrendously terrible customer service, I had the bright idea of filing a report in the hopes that it can be taken to legal action by CFPB against XXXX XXXX for misleading information associated with their customer service.
Product: Credit card or prepaid card

XX/XX/2018 Peoples United Bank XXXX XXXX XXXX XXXX Connecticut XXXX Phone XXXX I been coming to this branch for about 1 year and getting my payroll check at teller window instead of Their ATM machine, to day i was told by a teller name XXXX, that i have to tell my employer to give me a card with my name on it. Because the old supervisor is no longer at that branch. i told her my employer have thousand of other employees that have the same kind of debit payroll card, and i do not think they will do that for me. she act very upset and was making a fuss about this issue. I told her your ATM machine do not ask if my name is on the card. The card Booklet state that i can use this card at any bank with proper ID to withdraw my pay. I call their XXXX customer service number talk to person name XXXX he would not give me his last name, he was no help at all sound like he was not aware of how the walk in to teller debit card transaction work. waste of time talking to him. he might not have submit my complaint, so that why i am contracting Consumer Financial Protection Bureau.
Product: Mortgage

complaint number # XXXX on XX/XX/XXXX to whom this maybe concern : my husband and i XXXX and XXXX XXXX and XXXX XXXX are still having issues with my our mortgage company ocwen loan servicing llc.i '' ve been trying to get a loan modification to bring my mortgage payments current i sent my mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all payments that i sent to them they 're was rejected and they saying that this is invalid account number they want us to send them q large amount of money at XXXX time.but i did n't have a large amount of money to send to them.the payment for XX/XX/XXXX i have the mortgage account statement show for that payment on XX/XX/XXXX in the amount 0f $ XXXX.in my escrow account balance is ( {$5500.00} ) but they saying i have a XXXX balance showing on this account the mortgage rate on this loan is 9.75 % that is to high.this is to sad for a mortgage loan company to have a interested rate so high.but ocwen loan servicing do not wont to talk about the monet that i have left over in my escrow account so i can bring my mortgage current.i had a pipe bursting in the wall my insurance company send me a ckeck for ( {$3700.00} ) I call ocwen loan servicing and told them that my insurance company send me a check and told me to send the check to them and they will br endorse the check back to me .ocwen loan servicing took so long to send the check back to me they 're still hold the check.i pay my on property taxes, but some how they are charging us for that when i pay for it myself.i have enclosed some documents some of which i printed from my account on their customer site.we just want to get back to where our account is at good standing.i 'm not interested in losing my home at all.my husband is sick and i have XXXXyear old grandson that i 'm raising. sincerly, XXXX and XXXX XXXX XXXX.
Product: Prepaid card

I was gifted XXXX XXXX XXXX gift card by my employer on XX/XX/2023. I can see the card was purchased the day prior on XX/XX/2023 of {$500.00} each. On XX/XX/XXXX I was able to use one of the cards just once and have not been able to since I have tried both online and in store and no luck. There is a balance of {$350.00} on one card and {$500.00} on the other that I am unable to use I have tried XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX and all declined. I called customer service and they advised me that maybe there is not enough funds but I stated there is more than enough ( {$850.00} ) and they said they can not help me. The representative then came back and said it was due to their security measures on the card... I then asked him why wouldn't the card work online ( where most websites ask for the security code and expiration date ) and he responded use the card somewhere else. These XXXX XXXX prepaid gift cards clearly state they can be used anywhere XXXX XXXX is accepted but this is false and they are defrauding consumers and putting out FALSE advertising. All of the retailers I attempted to use these cards through all accept XXXX XXXX but the cards didn't work and customer service couldn't not assist or give an answer as to why the cards are not working ... after being put on hold on and off for an hour, he then came back and said he would give a check refund for both cards and took my name, email and address down. He stated I would get an email in 2-3 business days to complete the steps but I have not received anything. Now when I try to call to check the balance on the cards, it states there is an issue with the cards ... This is {$1000.00} they are holding... I filed a complaint through the state and XXXX XXXX.
Product: Student loan

On XX/XX/year>, I submitted what should have been my last payment to my student loans. I then checked my bank account on XX/XX/year> to ensure they pulled the payment and saw they also pulled the monthly autopayment as well. They could not cancel the autopayment because they said it was already processed even though on my bank it was still pending. Once I reached out to the loan servicer ( EdFinancial ) they said that they had to submit the refund to two different departments for approval before I would even see the refund. They shouldn't have even charged the autopay since it got paid off.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back in XX/XX/year> and I noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow the reasonable procedure to assume maximum possible accuracy of the information concerning the individual about whom the reports relates. I sent a letter asking to reinvestigate those listed below because Last payment is not correct, and more importantly, my name and address is incorrect XXXX XXXX Open date is not reporting correctly, date last active. Last payment is not correct, and more importantly, my name and address is not correct Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. So request a description of the reinvestigation and they do not provide it to me which is a violation of 15 usc 1681i7. They also violated 15 usc 1681i ( 5 ). Can you look into this matter I have my name and address that I want to correct on your report. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to this company address that was provided to me on my Transunion credit report. 

I requested that XXXX removed the unauthorized inquiry on my report. 

I also contacted Transunion through a Certified mail prior dispute process to investigate the unauthorized inquiry and they stated that I must contact the furnisher directly. 

Do to Transunion response I filed a complaint with the CFPB on XX/XX/XXXX XXXX to address the issue that XXXX has not replied or attempted to correspond to me about the inquiry. 

On XX/XX/XXXX CFPB replied stating they were unable to send the complaint to this company because XXXX was not in their complain system, and that the complaint was sent to the FTC and to the Consumer Sentinel Network. 

This company has violated my rights and has not answered to my correspondence within 30 days which is more then enough time to provide any form of consent or written signature on any application for credit showing I consented to this inquiry. 

This is a unauthorized inquiry that Transunion now needs to remove from my credit report.
Product: Mortgage

My mortgage company failed to pay my property taxes and have incurred late fees.
Product: Mortgage

I received a letter from Wells Fargo stating my Escrow account would need to increase so I could either pay {$120.00} now or my payments would increase to offset the escrow increase. The letter showed the projected escrow for XX/XX/XXXX to XX/XX/XXXX as a decrease in the money needed not an increase. It further showed my actual XX/XX/XXXX to XX/XX/XXXX as staying the same. I paid the {$120.00} so my monthly payments would not increase. I also paid an additional morgage monthly payment to keep from being in the rears. When I received my XX/XX/XXXXnotice the monthly rate showed an increase. I called Wells Fargo for an explanation and they agreed the letter was incorrect. They stated they would research and get back to me. They did not. I called again and asked for a Supervisor, she agreed the letter was wrong and she would research and call me back. She did not. I called again and was transferred to XXXX on XXXX, she stated she would research and call me back. She did not. I called on XX/XX/XXXX and was told XXXX at ext XXXX would be handling my complaint. I called and left her a message. She did not call me. I called today XX/XX/XXXX and spoke to another person who said XXXX never handled my case it was XXXX XXXX, ext XXXX he did not answer so I left him a message. 
Wells Fargo has got money up front to cover any extra Escrow but they still went up on my payments. They have a reputation for asking you to pay more and even when you do they still go up. See what happened to them awhile back when they were fined. 
I have attempted go give them time, 2 months, and opportunity, I called at least 5 times, to right this wrong, they will not respond, always pushing me off to someone else.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an account that is not mine and is the result of identity theft. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. 
I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite submitting the required FTC report, the account continues to appear on my credit report with your bureau. Have this account removed from your record ASAP : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act. This creditor Well Fargo XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not deleting inaccurate information on my credit report despite numerous attempts to contact all 3 bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$5400.00} XXXX XXXX - XXXX - XX/XX/year> - {$46000.00} XXXX XXXX - XXXX - XX/XX/year> - {$15000.00}
Product: Credit reporting or other personal consumer reports

XXXX {$850.00} XX/XX/year> I called this company, they did not replied.
Product: Credit card or prepaid card

On XX/XX/2020 I tried to purchase from XXXX XXXX with my Visa,  The computer would not let me do so. 
Then the following charges appeared on my Chas Card Visa {$22.00} {$29.00} {$39.00} {$51.00} {$63.00} {$87.00} {$100.00} {$110.00} {$110.00} {$61.00} {$83.00}
Product: Debt collection

I tried opening a bank account and was denied. The bank informed me there were 2 bad debt or charge off. The bank would not give me any information except that I had to contact Chex Systems Inc which I have done previously because this has happened before. They never sent me the information, wouldnt email it, and I have no idea what these debts are or who they are from.
Product: Student loan

My Name is XXXX XXXX. I am filing this compliant with the CFPB, because I have tried every other avenue available to dispute and remove a student loan that I never authorized. I have been added as a co signer for a student loan. I never agreed or authorized anyone to add me as a co signer. It is fraud. I have filed several disputes with the credit bureaus. I have received the hard copies of the loan documents from XXXX XXXX. The loan documents are riddled with incorrect and in accurate information. I will just list a few of the obvious errors. The loan documents state that I am a US citizen which I am not a US citizen. I am a XXXX Citizen and Permanent Resident of the United States Of America. The addresses that are listed on the loans are not correct. I have never lived at the addresses that are presented on the application. I have filed a dispute to the credit bureau 's and they have removed those addresses from my record but they did not remove the student loans that caused those addresses to appear on my credit. The Salary that was entered was not correct along with my debt obligations. This account applications are riddled with errors. The fact that I ca n't get these falsified records removed from my credit has cause me significant damage. I have been unable to obtain new credit when I have needed it. I have been receiving hostile phone calls from credit collection agencies stating that they are going to go into my bank account and steal my hard earned money. I have exhausted all of my options except for hiring an attorney to sue these companies which I could not possible afford to due at this time. I understand this is a relatively new agency and I hope that you will be able to help me with this situation. I feel like I am fighting a giant that does n't care or want to help me with this injustice.
Product: Debt collection

I have my medical providers in XXXX XXXX and all the bill and patient info is completed by that application. I have no outstanding balance with XXXX XXXX and never had a debt from them against me as I paid in timely fashion. 
Approximately 2-3 years ago when considering buying a house mortgage company has told me that I have on a credit report an outstanding debts ( XXXX ) of them that I have not been aware of, as no notification letter was sent to me. I have used lawyer services to deal with that. In summer last year lawyer has confirmed with optimum outcome that I do not have any outstanding debt with XXXX XXXX. The collection was taken off my account. Imagine my surprise when now a year later again the same company optimum outcomes has again placed a collection without Any notification on my credit with the same supposed debt from XXXX XXXX. Again they have impacted my mortgage process. However now I 'm considering a lawsuit since this is impacting my ability to simply " live ''. I 'm surprised that those kind of business tactics are not punishable by law in protection of consumers.
Product: Credit reporting or other personal consumer reports

I have several inquiries and I also have incorrect info being reported. I also have creditors I dont ever realize having accounts with.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that have just suddenly appeared on my credit report that I am not familiar with. Both accounts list an opening date of XX/XX/2018 and I know that I have not opened ANY new accounts within the last 6 months. I have sent both XXXX XXXX XXXX and XXXX XXXX a letter demanding validation of the debt they are attempting to collect from me.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX  XXXX XXXX XXXX  Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX  or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXXXXXX XXXX XXXX XXXX  is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I sent {$980.00} to what I thought was my contact in phone to the wrong person. As my phone book was synced to the app like any other bank. But on XX/XX/2023 that person was not in my contacts and the money went to them. I made a claim with CHIME bank to get those funds back as I don't know who that person is. And there no where in my phone book contacts
Product: Prepaid card

Mattress Firm was a running a XXXX XXXX sale for 3 % back on a XXXX XXXX XXXX XXXX for a balance of about {$67.00}. I received my Synchrony card, activated it as instructed, and tried to use it at XXXX, however it could not be processed. When I called the automated number to check the balance again, {$22.00} had been deducted from the card even though it could not be processed at XXXX at checkout and I used my personal card as payment instead. I then went to the website on the card to see what was deducted as the {$22.00} and the website said the card was invalid and could not be found. 

After doing some digging on consumer message boards, I'm learning that the issuer of the XXXX XXXX XXXX, XXXX XXXX, is a scam. 

I tried reaching out to Synchrony multiple times with no response. 

This is not only misleading as a sales perk, but also fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Bank Account # 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: Debt collection

This balance from XX/XX/XXXX is not owed and removed from my credit report before under other collection agencies. This new collection agency has falsely reported this as a new debt opened in XX/XX/XXXX. This is false in an attempt to reengage and make a profit on a debt that was from XX/XX/XXXX and no balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and Experian to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :