23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Trans Union on XX/XX/ about two bankruptcies showing in the public records section of my credit report. These bankruptcies were filed due to an act of identity theft. My identity was stolen in a data breach with the Illinois Department of Revenue, I received a letter notifying me of the data breach and my personal information was included. I sent Trans Union the letter from The Illinois Department of Revenue detailing that my personal information was included in the data breach. I contacted the FTC and make an identity theft report, I made a police report also. I even hired an attorney and the US Bankruptcy courts discharged the debts on these bankruptcies I attached the letters from the court to my correspondence with Trans Union, but Trans Union has ignored my request to remove these bankruptcies that were the direct result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Gramm-Leach-Bliley Act ( GLBA ) requires consumer financial products, such as loan services or investment-advice services, to explain how they share data, as well as the customer 's right to opt out I choose to OPT-OUT of the services you provide to share my consumer data with All credit bureaus XXXX XXXX Equifax, XXXX XXXX XXXX
Product: Credit card or prepaid card

Issue # 1 : My replacement card was lost in the mail. I wasn't notified that a replacement card was on the way. I called on XX/XX/XXXX asking when my replacement card was sent and I was told it was sent on XX/XX/XXXX. I said I never received it and I was told a replacement card was sent. I asked if there was some kind of tracking information that could be provided, I was told there was none, only to look out for the card in 7-10 business days. Given the security risk that the first card was already lost and that my card was expiring, the new replacement card should have been sent through courier or at least priority mail so a tracking number could have been provided. Also, given that my previous card can no longer be used since Synchrony closed the card, an expedited shipping should have been provided.

Issue # 2 : My provider ( XXXX  ) used the wrong type of preferred payment, one where there is a lower interest rate but no period of repayment. There was a misunderstanding in the set up of the loan because my provider does not allow people inside their premises due to covid. I asked if there was a way to change my preferred payment option. I wanted a deferred payment plan with no interest and a fixed amount of time to pay. I was told I had to go back to my provider. It is my understanding that the credit card company fronts the payment to the provider and the repayment is between the credit card company and myself. So I don't understand why the terms of payment can not be changed with the credit card company. Is there a way this can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I found that my credit report contains strangers ' names, addreses and bad accounts. My credit score drops XXXX points because of it, and I get rejected by new applications to credit cards and I am unable to get mortgage loan. It creates severe economic damage to me.
Product: Vehicle loan or lease

Global Lending Service had XXXX XXXX XXXX to repossessed my vehicle on XX/XX/2023. We had agreed I would be able to catch up on my past due payments by sending {$260.00} weekly starting in XX/XX/2023 so by XXXX I would be caught up. The first 2 weeks no problem but then my debit card got locked and I couldn't send the payment I had to send it through XXXX XXXX ( {$28.00} fee ) and XXXX XXXX ( {$39.00} fee ). The only problem with that was the fee I had to pay. So I mailed in the payment and those payments went to fees and late charges. I asked to get my card unlocked but they said it wasn't them, the company I called to unlock my debit card said Global Lending had it lock and they could do nothing about it. Today 's date XX/XX/2023 I have not received any notice from XXXX XXXX XXXX about my vehicle. They also breached the peace by arguing for 20 minutes and then have the police threaten with being arrested and going to jail if I didn't get off my car ( I was sitting in it when he hooked up my car ) I told them they were not taking my car or I wasn't getting out. My wife kept telling them this is a civil matter, Im not getting off, and their not taking my car .it was an illegal repossession. They breached the peace.
Product: Mortgage

I had originally filed a complaint in XXXX of last year, complaint number XXXX. I did not know that I would not be able to challenge all of the information I received back and when I spoke to a CFPB rep they informed me that I could fax in my new information, which I did on XXXX however, I have not seen anything on this yet so I decided to open a new XXXX. The response from my original complaint brought up additional questions and that is why I am opening this one. Fenton & McGarvey state that my pre-judgement interest was in the amount of {$17000.00} however, in XXXX 2007 my pre-judgement interest was only {$900.00}. I have asked for an explanation of this discrepancy and have yet to receive a response. I would like a breakdown of these charges and not just a lump sum. This is what I have been asking for all along.
Product: Debt collection

There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.
Product: Credit reporting or other personal consumer reports

NELNET Account XXXX 15usc 6801 Protection of Non- Public Information NELNET has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy NELNET did not clearly and conspicuously provide the disclosure forms.
Product: Checking or savings account

I tried to open a savings account online, XXXX XXXX  took photos of my license and myself, then DENIED me an account. So I telephoned bank and they said the license was blurry and asked me to RETAKE the photos, So I did that. Then it got denied again. The drivers license has a watermark on it that shades the writing, but it is still readable. But the computer still said no and the man on the phone could not overwrite that decision. So I ask the bank to delete all my photos, my birthdate, my SS number. The Bank Rep sent me to a link for that request. HOWEVER. after completing that request I was sent to this website : XXXX XXXX XXXX The website replied : '' We are unable to process your request at this time. Only California residents are granted additional privacy rights under the California Consumer Privacy Act. For more information, see our Online Privacy Policy and Privacy Notice. '' This is unacceptable. They REFUSED TO DELETE MY PERSONAL DATA. This is IDENTITY THEFT! I am a CPA, have a credit rating of over 800 and am debt free. I am really upset by this banking entity 's invasive proceedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan originated XX/XX/XXXX and balance charged off was {$1700.00}. I would like to follow up on the dispute with this bank because the charge off on my account has been past 7 years already and still have not been removed from my report. They are saying that it is due to be removed XX/XX/XXXX but I believe it should have been removed a few months ago. I have already submitted a dispute but was rejected by Wells Fargo but I would like to request all of my statements for this account from XXXX so we can see when the true date of my last payment was so we can determine when the 7 years really hit
Product: Checking or savings account

Without any warning ( text, notification in the App, email, certified letter, letter, phone call, etc ) Wells Fargo Bank WFB closed any account associated with my wife and me on about XX/XX/XXXX. That included our joint checking account which we opened in XXXX and have been excellent customers of WFB ever since. My wife XXXX XXXX and I spoke to the Branch Manager in XXXX XXXX, near our home by phone on or near XX/XX/XXXX, because our Wells Fargo Bank accounts have been frozen or suspended. We needed to know the status of this account, specifically why our money is not accessible and when this will be resolved. 
The total amount of these accounts is close to {$100000.00} which can not be accessed. 
To recap, we have no idea why our accounts were frozen on or about XX/XX/XXXX. To this date, there has been no warning from WFB notifying us that our account might be frozen. Apparently, a USPS non-certified letter to verify our address was sent to an address where we were not staying, so logically we could not receive it. When I asked WFB to read me the contents of the letter, they said they could not. So, WFB sent a non-certified letter to an address to where we were not living and asked for urgent information which probably caused our accounts to be frozen. The letter probably never stated our accounts might be frozen. When I asked customer service to send us a copy of this letter, they refused. Today, WFB Customer Service also refused to read the letter, saying they do not have access to it. 
Everyone we have told this story to can not believe it. We have discussed this with WFB branches in New York, the Trust Department of WFB, and advisers from XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX. All say this is very strange. Bordering on illegal. This is our money and for an institution-especially one as large as WFB- to freeze the cash is not consumerism bordering on illegality. 
We are currently on vacation in XXXX. The branch manager in XXXX XXXX XXXX XXXX suggested flying back to the United States at our own expense ( almost {$1000.00} ) and presenting identification, like a passport, drivers license and proof of residency to a WFB branch. He said this might help but could not guarantee it would unfreeze the account. This solution would be expensive and unreasonable He called back the next day to say that there was nothing he could do. Considering WFB has a legal ( and ethical and moral ) responsibility to maintain accurate records and disclose information, this requirement is clearly not being met. 

To date, we have incurred late fees, and early withdrawal penalties to pay bills due to this WFB mistake. XXXX XXXX told us he would waive any late fees on the WFB side, but as you know, late fees accrue on both sides. My credit score stands at an outstanding XXXX of XXXX and I refuse to have WFB decrease my score for a mistake they have made. 
Apparently, last XXXX this agency ordered WFB to pay {$3.00} XXXX in mismanagement of funds. Other articles and cases cite a computer glitch which has caused accounts to be frozen.
Product: Credit reporting

Equifax refuses to update my credit report for XXXX XXXX and XXXX XXXX. They have updated the status to charged off but are still showing a past due balance even though they are charged off accounts written off as a loss.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The records I'm disputing, which stem from this identity theft nightmare, have no basis in reality. They don't correspond to any transactions I've authorized or any legitimate financial activities. It is beyond frustrating that my previous attempts to resolve this matter have fallen on deaf ears. Enough is enough. This is not a mere inconvenience ; it's a blatant violation of my rights and a severe detriment to my financial standing. I demand, in no uncertain terms, that you promptly take action to obliterate any information in my credit report that originated from this heinous act of fraud. The urgency of this situation can not be overstated. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.
Product: Consumer Loan

I have a case number XXXX I would like to add to it after I went up there Georgia on Saturday XXXX/XXXX/XXXX. I received documents of my account. I have paid out {$8800.00} on a {$2400.00} loan. the paper work shows {$5000.00} on XXXX/XXXX/XXXX which I gave them back {$2500.00} back on XXXX/XXXX/XXXX. XXXX. They tell you their internist is 11 %. but if you look it is actually 109.3767 %.. Saturday they wanted me to sign a new contrast which puts me back where I started. I can not get my car reposed so what do you do. I ca n't keep paying them all this money. They are a scam. I have medical issues and other things going on. I am a XXXX income family. I need some help here.I have been doing this for two years I want out. Help me!!!!!! I have to have my car to get to work.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccuracies in my credit report as maintained by Experian. Despite multiple attempts to correct the information, Experian, XXXX XXXX XXXX has failed to take the necessary actions. The issues are as follows : I have previously submitted requests to Experian, XXXX XXXX XXXX to resolve these issues but have not received any appropriate corrective action. I am seeking your assistance to ensure that my credit report reflects accurate and up-to-date information. 

Thank you for your attention to this matter. 

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

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a credit karma account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following accounts listed removed from my credit report as they as fraudulent and I do not know who opened themXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT OWED {$1300.00} DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$950.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX. XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX  ACCOUNT # XXXX XX/XX/XXXX AMOUNT OWED {$360.00} XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00}
Product: Credit reporting or other personal consumer reports

I was apart of the data breach that exposed the personal information, i learned too late about lawsuit. The federal trade Commission did give me an engagement number for proof : XXXX.
Product: Credit reporting or other personal consumer reports

My account, was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Checking or savings account

DEAR SIRS DIRECTOR AND RESEARCHERS CFPB US FEDERAL AGENCY XXXXXXXX XXXX XXXX GREATER OF AGE AND NATIONALIZED IN THIS GREAT COUNTRY- I WANT TO NOTIFY THAT POTENTIAL SUSPECTS COME XXXX WITH MY ACCOUNT OF TDBANK-XXXX. EXTORTION-IF I DO NOT LET ME REMOVE MY LAPTOPS.XXXX APPEAR TO BE EMPLOYEES OF XXXX XXXX XXXX BECAUSE SOMETIMES I LEAVE IN MY LAPTOP THE HOUR OF XXXX XXXX CALIFORNIA FOR EXAMPLE IN XXXX, ARE XXXX BUT IT APPEARS TO ME THAT ARE THE XXXX XXXX XXXX ... THE OTHER IS A XXXX  OF XXXX XXXX XXXX XXXX WHO SEEMS TO LIVE IN XXXX XXXX OR XXXX. HE IS XXXX AS A XXXX XXXX ... AND THEY ARE COMING XXXX BULLYING FOR XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXX IN XXXX, XXXX SAY THAT THEY ARE GOING TO LEAVE ME WITHOUT CELLULAR WITHOUT LAPTOPS WITHOUT TELEVISION ... AND WITH MY CONDITION OF HEALTH THAT I AM COMING BATTLING TO CURE ME <THEY SAY THAT THEY ARE GOING TO XXXX XXXX, RETURN ME MAD AND MAKE ME RETURN MY XXXX XXXX. EMOTIONAL XXXX. XXXX XXXX MY LAPTOPS HAVE BEEN HACKED BY THEM AND MY ELECTRONIC MAILS USED TO ENTER COMPLICATED SITES THE BULLYING IS THAT YOU HAVE BEEN USING MY DEBIT CARD TO PURCHASE XXXX ELECTRONIC OR FILAMENT PARTS. THE BULLYING HOME XX/XX/2016 TO PRESENT ... ..THEY SAY THAT I LOSE TIME BECAUSE THEY ARE WELL HIDDEN. AND IT FASCINATES YOU TO COGER MY LAPTOPS OF DAY OF NIGHT OF XXXX SO I RECEIVE WITH XXXX AND XXXX MAKING RETURN THE XXXX XXXX ... ONE OF ITS PURPOSES. 

THEY HAVE ALMOST BEEN PURCHASING WITH MY CARD ON XXXX I NEVER PURCHASED OR PURCHASED PRODUCTS TO XXXX. PLEASE SEE RECORDS XXXX I ASK YOU TO RETURN ME {$29.00} WHAT IS THE ONLY THING I CAN NOT APPROVE THE ASSISTANT OF CURRENT ACCOUNTS ( SEE CLAIM ) AND ATTACHED PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low XXXX when I know it should be in the high XXXX. And I work hard on it and would like all my XXXX points back at least to get me back in the XXXX. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX XXXX XXXX in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.
Product: Credit card or prepaid card

I received a letter from the XXXX XXXX XXXX department saying they could not issue me a credit card -- I had never applied for a XXXX XXXX card. Yesterday, I received in the mail, a credit card from US Bank -- I had never applied for. I called the security department of both of these entities and told them that I did not apply for the credit cards. Whomever applied has all my personal information including address, social security number, dob, etc. The only thing they didn't use was my correct email address. The companies could tell me that the applications were made on line and used a XXXX e-mail account ; which I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( 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
Product: Debt collection

Reviewing my credit reports as of XXXX XXXX XXXX, I noticed that an account named XXXX XXXX XXXX / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a XXXX XXXX XXXX is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the XXXX report. XXXX credit report as of XXXX XXXX XXXX reflects paid collections, while Equifax credit report as of XXXX XXXX XXXX, reflects multiple months of " ND '', and Paid Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an invitation from Bank XXXX for a free membership to my Equifax account. Even I set up my account properly, I got the same message as " we are temporarily unable to complete this request ''
Product: Mortgage

I applied and received a preapproval from HomeBridge Financial in XX/XX/XXXX. I found a townhome and went into escrow in XX/XX/XXXX, the loan officer ran my credit numerous times so he was aware of my credit score and finances, he requested documents as required and I complied with everything. In XX/XX/XXXX a offer was accepted and he informed me that my loan documents had passed underwriting and that I needed to pay the ( non-refundable ) appraisal fee to process the loan. I inquired on numerous occasions if we were good to proceed as I didnt want to spend money on something that was not going to work he said yes well the conventional loan failed underwriting, he then asked me to write a letter removing a dispute from my credit report stating it was a underwriting requirement for a conventional loan which it is not, he then stated it was my fault and my credit score as it had gone down from use when I provided him with documentation to the contrary and that my score was lowered due to his multiple running of my credit and removal of dispute he said we can get a fha loan after 60 plus days in escrow and his inability to secure a loan I am now left with a financial loss due his lack of knowledge or unethical conduct.