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

I have used the XXXX XXXX service 3 times. Well this time they took fees & money but now there saying they cant approve any more XXXX XXXX loans after Ive applied a subscription also. After analyzing the account all info is still the same none of my banking info or employment has changed its all the same. Shows data aggregator can not connect successfully. I contacted customer service twice after the 3rd business day still nothing had changed! Same error code. Ppl use these cash advances to get through paychecks or for emergencies. I cant understand why someone would not get the issue fixed. I have screenshots of whats showing.
Product: Mortgage

This is in response to complaint XXXX recently submitted. It is our understanding that Bank of America wants another 60 days to review and answer the complaint. We are just going around in circles without BOA answering and doing something about the original complaint XXXX. Nothing will change. They have done this in the past of wasting time with no results. We ( my wife and I ) do not want to work with BOA and instead are asking The Bureau of Consumer Financial Protection agency to step in and research this case. Like I stated before in the previous complaint, we are going to seek legal advise and another direction away from BOA. We do not want to do business with them again. How can I make it any clearer than that. BOA does not work with it 's clients in these particular cases. Consumer Financial Protection has all our documents and we hope to call them quickly to see where we can go from here. The CFP should be doing an investigation rather than giving more time to BOA because this will continue to happen. So far I 'm disappointed with the help of our government.
Product: Mortgage

We requested a past due 'pre-foreclosure ' notice from Wells Fargo Mortgage XXXX so we could provide the documentation required for the timely advance of a 'hardship ' loan from our XXXX account. We are two months behind in our mortgage and if we miss one more month we will be in foreclosure and lose our home of XXXX years. On the phone originally all Wells departments refused to send us the pre foreclosure notices Wells have been sending out for years.It 's three weeks since my family first contacted Wells and we still have not received a 'pre-foreclosure ' or a substitute notice from Wells Fargo , so we can make a valid 'hardship ' claim. 
It feels like entrapment, if Wells does not supply us an acceptable timely letter in accordance with IRS rules, Wells Fargo can foreclose on our home. 
We now believe the missing Wells Fargo letter, if received may be too late to process.
Product: Credit reporting or other personal consumer reports

The company Lengenuity will not report my monthly payment that I make on time or with in 30 days or the account balance. They only reported late or miss payments that is really affecting my credit score by them leaving my account in that status. They are charging me XXXX XXXX interest it very hard for me to refinance with another company by them leaving my credit status like this! .... please assist me with this matter. 

Company name : XXXX  Lengenuity LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>2025. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Last but not least XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX I respectfully take issue with portions of the last sentence in paragraph XXXX the Bank is subject to the Gramm-Leach-Bliley Act and the Privacy of Consumer Financial Information regulation . In this scenario, the Bank is complying with the requirements of these rules as they prohibit the disclosure of certain protected information to unauthorized third parties.

Issue The Bank is not complying with the requirements of these rules or prohibit the disclosure of certain protected information to unauthorized third parties..

First, the Gramm-Leach-Bliley Act requires financial institutions comply with the Federal Trade Commissions Standards for Safeguarding Customer Information Second , a clear text email sent outside of the Banks enclave boundary does not prohibit the disclosure of anything contained within the email. The email is clear text and is therefore viewable by anyone on any network in which the email transits.

The Gramm-Leach-Bliley Act requires financial institutions follow the related Safeguards Rules. WesBanco is not following Section 314.4 of the Safeguards Rule requires encryption for all customer information transmitted by the financial institution in transit over external networks.

PART 314STANDARDS FOR SAFEGUARDING CUSTOMER INFORMATION 314.4 Elements.

( 3 ) ( c ) Protect by encryption all customer information held or transmitted by you both in transit over external networks and at rest. To the extent you determine that encryption of customer information, either in transit over external networks or at rest, is infeasible, you may instead secure such customer information using effective alternative compensating controls reviewed and approved by your Qualified Individual ;
Product: Consumer Loan

I make online payments, on time, then find  out ten to twenty  days later that the payment did n't go through. The company then charges me {$140.00} late fee for a monthly due amount {$110.00}. This has happened 3 times in 4 months. They do not send out statements and do not offer them online. I can not verify my amount owed through their records.
Product: Debt collection

XXXX2024 National recovery agency in the amount XXXX wasnt my account and I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into Capital one was recorded would like to go back and hear that conversation. 

Capital one also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX Capital One!!
Product: Debt collection

Been contacting this company for about three months no response back from this company and requesting that this debt be removed from my credit file this is not mine debt.
Product: Credit card or prepaid card

I paid {$1200.00} on my credit card. it was not credited to the balance which did not change. as I enquired further, I learned wells fargo would still charge monthly interest on the {$1200.00} I paid for the full month. this is fraud. I discussed this with a banker at wells fargo on XXXX.17 as well as a person-by phone- from XXXX credit casrd
Product: Debt collection

XXXX XXXX  has violated my federally protected consumer rights under the FCRA by committing following action under Truth in Lending Act : 15 UDC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) XXXX  XXXX  has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the ongoing incident. According to the Equifax website which checks for impact, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have just put an initial fraud alert in place and gotten my report from one of three agencies to check for errors. Now, I will continue to monitor my reports for the foreseeable future.
It is entirely unacceptable to store this information unhashed and unsalted. Any data security company knows this. To do this with the information of Americans is just mind baffling.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have the same company calling for both me and my husband and neither of us owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXX which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA. 

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

Transunion reported completing an investigation, however, the date the information was LAST verified was XX/XX/XXXX. 

XXXX and XXXX did NOT provide me results as requested. XXXX made the baseless claim that my dispute did not come although the letter was addressed directly from me.
Product: Credit reporting or other personal consumer reports

Hello there were multiple accounts opened on my behalf that are not mine including opp loans for {$2700.00} XXXX XXXX XXXX for {$5500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX $ XX/XX/XXXX in addition these are incorrect inquiries that have appeared on my report 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
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Reporting Violations and Request for Compensation Dear CFPB Team, I am writing to formally dispute inaccuracies and violations on my credit reports from XXXX and XXXX. These reports contain unauthorized inquiries and account reporting errors that significantly damage my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I demand immediate removal of these inaccuracies and compensation for the violations caused by these erroneous entries. 

Accounts with Violations XXXX XXXX XXXX  Account Number : XXXX Violation : Inaccurate high balance reporting ( {$630.00} vs. {$600.00} limit ), inconsistent utilization percentages, and failure to validate negative reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Violation : Overstated utilization above 102 %, charge-off status reported without proper notification or validation. 
XXXX Account Number : XXXX Violation : Duplicate late payment reporting and failure to validate derogatory entries. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Violation : Charge-off status reported without verification or adherence to dispute resolution protocols. 
XXXXXXXX XXXX XXXX  Account Number : [ Account Number Hidden in Extract ] Violation : Reporting late payments without validation or notice. 
Unauthorized Hard Inquiries The following hard inquiries were conducted without my knowledge or consent and are not tied to any open accounts : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violations Identified XXXX Unauthorized Hard Inquiries XXXX Accounts with Reporting Errors Compensation Requested Under the FCRA, I am entitled to {$1000.00} per violation. Based on XXXX violations, I am requesting a total compensation of {$10000.00} for the harm caused by these errors. 

Demands for Resolution Immediate Deletion of Inaccurate Information : Remove all inaccurate account details and unauthorized hard inquiries from my credit reports with XXXX and XXXX. 
Updated Credit Reports : Provide updated credit reports reflecting these corrections within XXXX  days. 
Written Confirmation of Actions Taken : Send a written confirmation of the deletions and steps taken to ensure compliance with FCRA guidelines. 
Compensation Payment : Issue a compensation payment of {$10000.00} as outlined above. 
Notice of Further Action If my demands are not addressed within XXXX  days, I will escalate the matter by filing additional complaints with regulatory bodies, including the FTC, and pursuing legal action for damages exceeding the requested compensation. 

I urge your team to address this matter promptly to prevent further harm to my credit and financial standing.
Product: Credit reporting or other personal consumer reports

NAME INCORRECT XXXX XXXX XXXX ADDRESSES INCORRECT XXXX XXXX XXXX XXXX  XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX EMPLOYEE INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES : unauthorized inquiry XXXX XXXX XXXX date of inquiry : XX/XX/year> unauthorized inquiry XXXX XXXX XXXX date of inquiry : XX/XX/year> unauthorized inquiry XXXX XXXX 
date of inquiry : XX/XX/year> CHARGE OF OFF THIS ACCOUNT NEEDS TO BE VALIDATED XXXX XXXX  ACCOUNT NUMBER:XXXX  XXXX  ACCOUNT XXXX JPMCB CARD ACCOUNT XXXX XXXX  XXXX ACCOUNT NUMBER:XXXX  XXXX XXXX ACCOUNT NUMBER:XXXX
Product: Student loan

I have been given the run around since I started repaying my loans. I have trouble affording them at all, but I pay just over what I have to in order to pay towards the principle balance. When I called the loan company last time, they told me that the total amount of loans I owe has actually gone up. Which either means they pulled something funny, or they increased my interested without notifying me. They also told me that I could lower my payments by doing an income based plan, but when I applied, it actually tripled my payments. They had entered all of my information inaccurately when they initially gave me the information. Also - when I first had to start paying my loans back when I got out of school, they never notified me that they were due. I was months late, which I could only imagine what that did to my credit and gave me in penalty fees. I could go on and on regarding the issues I have had.
Product: Debt collection

Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX  where they stated they couldn't find remarks I was looking at on my report. You are thieves!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection debt that was placed on my credit report by Wakefield & Associates continues to be reported to all three credit bureaus in error. The debt owed has been paid in full to XXXX XXXX XXXX and XXXX XXXX XXXX has directly contacted Wakefield & Associates advising them to remove this information from my credit file. The fact that this derogatory information has not yet been remove, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files. Thank you!
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several unauthorized inquiries on my report. I filled out an identity theft report.
Product: Bank account or service

On XX/XX/XXXX I balled Bank of America because I had incurred a couple of fees. I explained to the representative that I was recently unemployed. He stated that he would credite the fees as a courtesy. So I was very grateful, I understood courtesy as on the bank but what I found out was that they used all of my direct deposits to cover the fees. I ask that the ability to cancel all ACH be applied to my account but according to them it is not possible. I have had so much money in fees taken from me enough is enough.
Product: Credit card

On XXXX at XXXX, called Capital one to remove an account that was closed to make sure that recurring payments come from another checking or credit card account, I see that my credit card account was in restriction, no reason was stated which cause me to call and see why my account was restricted. After talking to two of the representatives ; 1 regular account support that transferred me to 2nd representative from the Fraud department, that stated that insufficient funds from two accounts that have the money that was supposed to be posted from XXXX which was arranged for XXXX again that was never posted and/or removed from the account. As of today, there was no letter sent to my mailing address. I had problems with Capital one Auto, and their cards before from being a victim of theft back in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact Navy FCU - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX  - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX
Product: Credit card

Today I found out I had an account that is no longer active that has been closed that was opened in my name due to the data breach. I have no experience or any dealings with this company. It was open without my knowledge. The name of the company is city cards CBNA. The date the account was open was XX/XX/year>. The current balance is {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. NONE OF THE BUREAUS IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. Only 1 bureau is showing the ''Account status '' as open and the other 2are saying that this account is closed. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

This collector calls repeatedly, several times a day and even called our commercial neighbor to have him bring the phone over to us because we stopped taking their calls after telling them that we were dealing directly with the creditor. They also email several times a day. They are very rude and unprofessional. They scream and call us liars. When we brought up their extremely poor XXXX reviews that were from other clients having the exact same experiance with them, they said that they would not be able to keep a good XXXX rating because " They are collecting from losers '' They went on to leave voicemails calling our office staff " XXXX '' They threatened to call clients to try and collect the balance owed to our creditor. 
All of this was through someone who was supposed to be some sort of superviosor due to another employee ( XXXX ) from their establishment getting very out of the way with our office staff and us filing a complaint on him. The supervisor was no better and maybe even more aggressive and unprofessional than the original employee that we delt with. 
Extremely unprfessional and aggressive tactics they are using. 
Read their XXXX reviews and that should tell you all that you need to know.
Product: Mortgage

My request is : Please remove the new PRIOR SERVICER fee being placed upon my home mortgage account. 
This is regarding a fee of {$1200.00}. This new PRIOR SERVICER fee is a surprise to me. I was never made aware of it, nor was I sent a demand to pay it until my account was transferred to a different loan servicer ; which is : XXXX XXXX On XX/XX/XXXX, a mysterious extra PRIOR SERVICER fee was added to my monthly house payment. The explanation was given in the form of a list as follows : AND, I am copying exactly as it is presented to me. Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$920.00} ; and Transaction date : XX/XX/XXXX, PUBLICATION NOTICE, amt. {$21.00} ; and Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$230.00} ; and Transaction date : XX/XX/XXXX, LEGAL CERTMAIL, amt. {$25.00} ; and Transaction date : XX/XX/XXXX LEGALPOSTINGCOST, amt. {$16.00}. There is no better explanation of what it means. So I called the new loan servicing company : XXXX XXXX XXXX XXXX and I was informed the fees are for a loan default ( which I paid off in XX/XX/XXXX ), from the previous loan servicing company XXXX XXXX. Please check into this and stop this undeserved penalty fee. The dates of the mysterious PRIOR SERVICER fee dont match with any of the dates during the reinstatement of the loan from the default dates. So Im concerned that this is a double charge placed after Ive paid all the late charges and penalties from the previous foreclosure back in XX/XX/XXXX. Please help.