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

I got a loan from a sort of new lender. Unfortunately each and every time my payments have submitted, the way they connect to the account the payments have been declining. Apparently they use XXXX to connect to bank accounts. They had absolutely no problem depositing the money when I took the loan, but there's been money there for days and they refuse to take the payment it's some processing issue. Every time I update my debit card it just declines. So I gave up on using my XXXX bank account XXXX and tried to use my XXXX XXXX XXXX account - it keeps having me enter the routing and account number over and over and sending me in a loop. I'm getting closer and closer to the 30-day Mark and I don't appreciate them threatening to report me late when I've been attempting to pay since it was due. I want them to fix my payments so they go through by ACH with my XXXX account and remove my XXXX Account. This is ridiculous. I'll never take a loan again.
Product: Debt collection

I am writing to formally dispute the erroneous reporting of debt and the repeated collection attempts that have negatively affected my credit report and personal peace. 

On XX/XX/year>, my past landlord reported an incorrect amount owed to their company and subsequently sent this amount to collections. Despite my attempts to resolve the matter directly with my landlord and confirm the accurate amount due, they failed to correct the error and allowed the incorrect information to be submitted to a collection agency. As a result, this false debt has been reported to the credit bureaus and now appears on my credit report as a negative mark. 

This incorrect reporting has unfairly damaged my credit score and my financial standing. I have taken significant steps to maintain good credit and avoid issues like this, making this situation particularly troubling. I have been diligent in fulfilling my obligations, and this error is through no fault of my own. I kindly request that the incorrect debt be removed from my credit report and that any actions taken by the collection agency be reversed immediately. 

Additionally, I have been subjected to repeated mailings and phone calls from Jefferson Capital Systems regarding multiple accounts. These calls and mailings are frequent, intrusive, and often concerning debts that I do not recognize or have previously disputed. The constant harassment is causing undue stress and frustration, and I am asking that these calls cease immediately. 

I am requesting an urgent investigation and resolution of these issues to prevent further damage to my credit and personal well-being. I am prepared to provide any supporting documentation necessary to correct this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I am writing to formally request the immediate removal of the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> These inquiries were not initiated or authorized by me, and their presence on my credit report is damaging to my credit score and overall financial well-being. I have previously contacted your agency regarding this matter, and despite your responses stating that the inquiries will remain, I must insist on their removal based on my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S. Code 1681b, it is required that inquiries must have a permissible purpose and must be authorized by the consumer. Since I did not authorize these inquiries, they lack permissible purpose and should be removed from my credit report immediately. Moreover, according to 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or incomplete information, and credit reporting agencies are obligated to correct or delete such information after conducting a reasonable investigation. 

I request that TransUnion conduct a thorough investigation into these unauthorized inquiries. If you find that these inquiries were indeed unauthorized, I demand that they be removed from my credit report without further delay. Please provide me with written confirmation once the inquiries have been deleted. 

Enclosed are copies of my credit report highlighting the unauthorized inquiries and a copy of my identification for verification purposes. 

Your company 's failure to remove these unauthorized inquiries promptly left me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and considering legal action to enforce my rights under the FCRA.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX in XXXX and graduated In XXXX. Once payments were due after graduating, I was not able to make a XXXX XXXX  monthly payment. Navient forced me into forbearance. I inquired about other options but their customer service informed me there were no other options. They insisted that forbearance was the only way. I also asked about consolidation but they told me these loans could not be consolidated. I was forced into forbearance for nearly 2 years, costing me an additional {$20000.00} in interest on top of my already high loan. Each of my private loans also consisted of a 12 % + interest rate. I have {$45000.00} in private loans. I consolidated the bulk of my private loans ( {$37000.00} ) so that I could repay them. However, I still have XXXX private loan with Navient. I have already paid {$6300.00} for that XXXX private loan but still owe {$2100.00}.
Product: Student loan

I have tried contacting ACS however they were bought out by Conduent. i have attempted to look for phone numbers or emails to ask regarding an closed account that appears to be open, none that are provided are in service
Product: Mortgage

My name is XXXX XXXX. My complaint is about the property located at XXXX XXXX XXXX XXXX. Loan # XXXX XXXX XXXX. I have made 4 payments to Wells Fargo Home Mortgage. One payment was on : XXXX/XXXX/XXXX for {$860.00} and a second payment was made on XXXX/XXXX/XXXX for {$860.00} another payment made on XXXX/XXXX/XXXX and another payment made on XXXX/XXXX/XXXX .Wells Fargo Home Mortgage has received and deposited all payments but they will not credit the payments to the loan. I have called Wells Fargo Home Mortgage several times and each time they say they are working on applying these payments to my loan. I am not behind on any mortgage payments. Wells Fargo Home Mortgage has sent me a letter stating " Notice Of Intent to Foreclose ". Again I am no payments behind and I have a record of Wells Fargo Home Mortgage receiving payments from my Wells Fargo checking account. I feel Wells Fargo Home Mortgage is attempting to place stress on me and take advantage of me as a senior citizen and foreclose on my property that I have had over 20 years. I feel Wells Fargo is violating XXXX XXXX property rights with deceptive practices with seniors and their home. CFPB your help is very much needed. Wells Fargo Home Mortgage last year stole over {$9300.00} of money from me and my husband stating we owed in Corp Advance Fees. We I asked them to itemized in detail what the Corp Advance Fee of {$9300.00} was for Wells Fargo Home Mortgage refused to give a clear itemized disclosure as if senior citizens are secondary people. I am senior citizen and do n't want to get ripped off again this year from Wells Fargo Home Mortgage. 

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

There is already an open case with Equifax due to Fraudulent Inquiries on my credit report, now there are new inquiries on my credit report that they don't want to remove. This is the only company that always its a problem with them to fix something on your credit report. I WANT THE INRIRIES THAT ARE NOT MINE REMOVED ASAP
Product: Credit reporting or other personal consumer reports

Can you please take away these inquiries? I have no knowledge about them, and the company made them without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report XX/XX/2023 Ive noticed discrepancies from each credit bureau regarding an account on my credit report this company XXXX XXXX  XXXX XXXX has report incorrect information to each credit bureau to keep my report at a negative
Product: Credit card

someone open an account on XX/XX/2023 without my knowledge or consent
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Payment made in full but 2 hours past deadline ( XX/XX/XXXX @ XXXX ), was charged {$100.00} interest fee. Was upset that they would n't remove the charge so closed account after paying next bill on time on XX/XX/XXXX. Trying to pay remaining balance this month, was charged an additional interest charge of {$77.00}. Company is  claiming in customer chat that they charge interest for 2 months after a late payment even though I was a customer for around 10 years and this has never been the case. I believe they are just trying to stick me with a fraudulent fee because I am ending my customer relationship with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting debt validations of accounts that I saw on my credit profile. I received a letter back saying that they were validated. I am writing to dispute the verification of the accounts on my credit report. I recently obtained a copy of my credit report and found that the accounts in question, have been verified. However, I believe there are inaccuracies or discrepancies regarding these accounts. 

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  I request that you conduct a thorough investigation into the accuracy and validity of these accounts. I believe there may be errors in the reporting, and I would like to clarify and rectify any discrepancies that may exist. 

Please provide me with the following information pertaining to these accounts : XXXX. Documentation and evidence proving the accuracy of the reported accounts information. 
XXXX. Copies of the original signed agreement or contract between myself and the creditors pertaining to this accounts. 
XXXX. Detailed payment history for the accounts, including dates and amounts of all transactions. 
XXXX. Any other relevant documentation or information related to the verification of this account. 

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. I kindly request that you keep me updated on the progress of the investigation and provide me with a written response regarding the outcome. 

Additionally, if you find any errors or inaccuracies during your investigation, I request that you remove the disputed account from my credit report, as required by the FCRA. 

Please consider this letter as a formal dispute under the FCRA and take the necessary steps to rectify any incorrect information on my credit report. I appreciate your attention to this matter and your timely response. 

Thank you for your assistance.
Product: Checking or savings account

On XX/XX/2023 I received a loan check from my 401k investment account for {$1000.00}. I deposited the check around XXXX using my mobile app through Wells Fargo . The {$1000.00} was available immediately and was able to use it with no hold placed on the check. The following day at around XXXX my account goes from $ XXXX to - {$290.00} due to the check being placed on hold after it had already cleared and now my bank won't release the funds until XX/XX/2023.
Product: Debt collection

The debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. The attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including Absolute Resolutions who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. XXXX  XXXX and Absolute Resolutions also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.
Product: Checking or savings account

I bank with Chime. One day when trying to log into my account I get an error that says there has been unusual activity and they need me take photos of my ID and a selfie to verify my identity. Trying to do this with the app doesn't work and I am met with an error message that says " Yikes, that didn't work. '' I reached out to support via phone and was told to email their support team. The support team repeatedly asks me to try to verify my identity via the app. I keep telling them it's not working. They then send me a link to a dropbox where they would like me upload photos of my ID, a selfie, and a photo of me holding my ID and a piece of paper with my name and today 's date on it. 

I completed all these steps and was told the access to my account has been restored. I then try to log into the app and am met with the same error message that I got originally. I reach back out to customer service and they want me to complete this whole process again. This is a never ending cycle. I have completed this process three times now to no avail. Each email I get from them is from a different representative giving me the exact same information/requests I have been given numerous times. 

I feel like I am being cheated out of the money in my account. I have no access to my money, can't pay my bills, and feel like I am being taken advantage of. Customer service and their support staff are of no help as I can't even maintain a email chain with the same person. I just keep getting passed around to different representatives telling me the same information.
Product: Credit reporting 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 Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed and account that was not reporting accurately I had 1 late payment on the account the was in fact paid on time and in the correct amount The consumer reporting agencies need to report information with complete accuracy this account has not ever been late or paid inaccurate I have attached a copy of this report XX/XX/2024 Im now requesting you investigate this account and update this payment to be paid on time and not past due immediately thank you
Product: Checking or savings account

I disputed with cash app that I was Scammed and I made a purchase of XXXX and withdrawal to the site Called XXXX that scammed me for {$2600.00} it offers investing and withdrawal but I went to make my withdrawal and it would not allow me I contacted the merchant and they will not issue me a refund they do not give money back I told MY bank which was CASH APP AND XXXX and both bank failed to help me even after I told them I was scammed Fraud I will provide pictures please reach out to me and let me know if u can help me please.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report at TransUnion as of XX/XX/XXXX and noticed that the account XXXX/ {$5000.00} does not list a account number, it does not include my name, or any information pertaining to payment status between XX/XX/XXXX XXXX, or info on amount of original balance, nor does it provide any information on when a last payment was made. because of the inconsistency of the information in this report its hard not to believe that this account was placed in my credit report solely to harm my credit profile. all these inaccuracies and missing information are illegal and in violation of the FRCA anf my rights there under 15 USC 1681b ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 ) FDCPA
Product: Credit card or prepaid card

I mailed in a dispute with Citibank in XXXX of XXXX and the same dispute again XX/XX/XXXX. I also emailed and spoke with them on the phone regarding this dispute. I have neither received a notice of dispute nor a resolution. I spoke with them on the phone today, XX/XX/XXXX, and was still unable to get a resolution.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX : {$5800.00}
Product: Student loan

On today XX/XX/20 I received a call from a Navient representative stating I owe on my loans as I explained to the representative I do not have the funds due to COVID-19 and being a single mother with an XXXX   child. I would like for the calls to stop and for this charge to be removed from my credit report as well.
Product: Mortgage

The end of XX/XX/XXXX I received a notice that my payment would go from {$650.00} to {$770.00} due to escrow shortage. I called the mortgage company and spoke with the lady who is my contact I spoke to her on XX/XX/XXXX she took my payment by phone I told her my concern about the increase she switched me to another single point of contact on XX/XX/XXXX i left a voicemail XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. Then I was sent to another contact on XXXX lm, again on XX/XX/XXXX mailbox full, then XXXX contact on XXXX lm, XXXX lm twice, XXXX lm 2 times and XXXX lm. I then called initial contact on XXXX and again XX/XX/XXXX XXXX  response. I think after 2 months it should be resolved. Poor customer service.