23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pay online to OneMain Financial company. If the payment is one day late representatives call XXXX to XXXX times a day with threating language. 
Never quoting the amount actually due. Currently, XX/XX/XXXX I have a balance of {$50.00} my payment of {$320.00} is due on the XXXX of every month. 
I am a XXXX  XXXX, not employed, and not in the possession of the car. I have filed the tags stolen with the state of North Carolina. I have gone into the manager XXXX to complain. He replied that they are trained to call that way. 
This harassment has continued from XXXX. 
I have had all I can take. I am not well. I have documents of the phone calls and messages. 
Attached phone calls on XX/XX/XXXX. 

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

my information was stolen by some unknown person, and they used it to obtained credit, resulting in many delinquent debt and inquiries to be reported to my credit file. i have been very careful keeping my personal information secured and safe, i am shock to see this happened to me, i have been victimized
Product: Mortgage

I received 2 feet of water in my home during Hurricane Harvey, our home was declared " substantially damaged '' and we have, therefore, decided to demolish our house and build a new, elevated home on our lot. 

I am attempting to use the $ XXXX in flood claim money, being held in a restricted escrow account by Freedom Mortgage, to pay off my mortgage and close on a construction loan. However, Freedom Mortgage is not providing me sufficient documentation to enable this process with my new mortgage company and title company. They will provide NO documentation that they agree to use the loan funds to payoff the mortgage, which is required by the title company. 

I have been working with them since XX/XX/XXXX without a resolution and need your assistance. 

I have kept a detailed log of all contacts with Freedom Mortgage and I have faxed a letter requesting assistance to the CEO of Freedom Mortgage. Those documents, along with my other requests to Freedom Mortgage, are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had issues in XXXX and XXXX making my payment with One Main Financial. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.
Product: Credit card

I have a visa Rushcard and they let some scammer steal {$100.00} last year and will not XXXX my money back. Then this year they denied to return my {$100.00} that XXXX stole from me for a supposed deposit for service/installation that I never received. That is all illegal and a scam.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I selled a property of me worth on XXXX usd to a person whos name is XXXX XXXX XXXX. The person received the goods and then after that he said that he did not recognize the transfer and made a claim, affecting my XXXX balance for the transaction and also my bank flagged my account as fraud. That had brought me many problems.
Product: Credit reporting or other personal consumer reports

I had frozen my account with EXPERIAN, and I wanted to unfreeze it. Apparently I have the wrong password. 

I can not get in touch with a human on their phone number to help me access the account. There does not seem to be a way to get to a representative. I mailed them documentation to prove who I am as per their mailing instructions. I have heard nothing back from them. 

I need EXPERIAN to contact me by mail or phone so I can regain access to my account. 

XXXX XXXX, XXXX. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I contacted Wells Fargo via email and phone to follow up on certified mail sent on XX/XX/year>, at XXXX XXXX  ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ). The certified mail contained my Certification of Trust and Banking Operational Instructions, submitted in my capacity as Trustee for the proper administration of the trust account. These documents outlined instructions for the accounts operation, compliance with trust provisions, and adherence to federal regulations governing trust accounts. 

Despite proof of receipt, Wells Fargo failed to acknowledge the submission or take action until XX/XX/year>, when XXXX from the Executive Office contacted me.

She indicated that my complaint regarding their failure to review the documents would be investigated, and she committed to following up within 10 business days. 

On XX/XX/year>, XXXX informed me via phone at XXXX XXXX  Arizona XXXX XXXX that Wells Fargo has an internal policy preventing them from reviewing trust agreements and banking operational instructions. This statement directly contradicted the intent of my submission and my rights as Trustee to provide instructions for the accounts management. The refusal to review my documents has obstructed my ability to properly administer the trust account and ensure compliance with applicable legal and regulatory obligations. 

Wells Fargos reliance on an ambiguous internal policy to refuse review of trust documents raises significant concerns about transparency, accountability, and their adherence to fiduciary obligations for trust accounts. This lack of cooperation has caused undue delays, disrupted trust operations, and appears to violate the rights of account holders under federal laws governing financial institutions. 

I am requesting the CFPB investigate this issue to determine whether Wells Fargo is unlawfully using internal policies to avoid their responsibilities in handling trust accounts and to ensure that they comply with all applicable laws and regulations.
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Complaint Against : XXXX XXXX Equifax Subject : Incorrect reporting of names and addresses on my credit report, and Equifax not reporting any information at all.

Details of the Complaint : I am writing to formally file a complaint against the credit reporting agencies XXXX, XXXX, and Equifax for providing incorrect and incomplete information on my credit report. 

1. Incorrect Names and Addresses : Both XXXX and XXXX are reporting incorrect names and addresses on my credit report. These inaccuracies are causing confusion, which may negatively impact my credit score and financial opportunities.

2. Equifax Failure to Report : Equifax is not reporting any of my credit information. This failure to report is causing significant damage to my credit profile, as it appears incomplete or non-existent. The lack of information from Equifax is hindering my ability to apply for credit, secure loans, and pursue financial goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX Bank
Product: Debt collection

XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call and, after realizing I had no business dealings with them, asked them to place me on Do Not Call list and to not call me back ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call to ask them once again to put me on Do Not Call list, to not call me back, and to inform them that I would report them the next time they called ; XX/XX/XXXX XXXX XXXX - Called me, so I answered and informed them that they had violated my request to not call me again and that I would be reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : 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, credit repair services, or other personal consumer reports

I was added as an authorized user on a USAA Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.
Product: Debt collection

LVNV, RESURGENT, XXXX, 1st Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX South Carolina Zip Code XXXX 2nd Address XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX LVNV FUNDING LLC XXXX {$640.00} LVNV FUNDING LLC XXXX {$400.00} I am filing this complaint today against LVNV FUNDING because they have constantly failed and ignored my request to send me accurate and verified documents proving these accounts belong to me. The company has yet to provide me the proper documents that there company is supposed to have on file. This company has exceeded the 30 day request mark to provide these documents, which means that the accounts couldnt be verified and under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please Remove these accounts from my credit report to ensure no further harm is added to the stress you all have caused to my life and credit report. 
Also, this is my fourth time having to dispute this negative account and their negative actions reporting on my credit report. These accounts do not belong to me and as a consumer I have a legal right to dispute inaccurate information on my credit report that was not authorized by me. Lvnv funding reported themselves as the original creditor also reporting as XXXX, and Resurgent. They have also threatened to sue me and take me to court with no intention of doing so because the debt is too old. LVNV Funding has reported this debt not only to me but to my mother as well stating it was her debt and we live in 2 separate states, and we have never acquired any credit together. 
I AM NOT AN ATTORNEY OR THIRD PARTY REP, Please remove these accounts from my credit report, Thank you in advance.
Product: Student loan

I need late payment status removed from all three credit bureaus due to my student loan status being in deferred.
Product: Payday loan, title loan, or personal loan

I applied for this loan with Wells Fargo. I asked for a fixed rate for 4 years. It was a {$35000.00} personal loan at 10 % fixed rate. My current balance as I am writing this is {$12000.00}. While viewing my account I noticed a payment on XX/XX/XXXX that I made ( my payment is {$640.00} monthly ). Principal payment was {$570.00} and interest was {$77.00} ( 647.98 ). The following month I made a payment on XX/XX/XXXX, {$640.00} : Principal payment {$420.00}, Interest payment {$210.00}! I called Wells Fargo and asked how could the interest payment go from {$77.00} to {$210.00} on fixed interest rate? First I was told my payment was a fixed amount but my interest was n't. I specifically ask for a fixed rate which I was told I had, but now you are telling it 's adjustable. Then Wells Fargo came back to say that the interest rate is fixed but the payment is due on the XX/XX/XXXX and if I make the payment after the XX/XX/XXXX, it affects the interest payment. I countered that the two payment I 'm referring to were made on XX/XX/XXXX and XX/XX/XXXX. When you amortize interest it goes down every month base on the principal balance. Will you please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology has inaccurately reported a 30 day late payment on my credit reports. My minimum payment is {$20.00} due on the XXXX of each month. The late payment is for the month of XXXX. My due date was XX/XX/XXXX. I made a payment of {$25.00} on XX/XX/XXXX XXXX days after my due date. It was a few days late but Not 30 days. Grain Technology acknowledged the payment through email on XX/XX/XXXX. A week later after acknowledging payment Grain sent me an email stating I was 2 weeks past due on my account. I was very confused by this but knew it clearly had to be an error in their billing department. So I tried to contact Grain immediately. Grain has no way of communicating with customers. Their phone number is an automated voicemail and they dont respond to emails or letters. They are also breaking the law by not having a way for customers to directly dispute an issue with them. Ive also disputed the late payment with XXXX and XXXX it has not been reported to my XXXX report yet. After sending proof of payment XXXX has still denied my request for removal. XXXX is going to send results in the mail. 30 day wait time thats a long time to wait while my credit score has been ruined by this. I want Grain Technology to inform the Credit Bureaus to remove this inaccurate 30 day late from my credit reports update my account to the correct balance and create a way for customers to communicate with them. This could have easily been resolved with a phone call but they have no customer service. That is unacceptable when you have such a major responsibility to consumers.
Product: Debt collection

XXXX XXXX ( working on behalf of XXXX XXXX ) has continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18
Product: Money transfer, virtual currency, or money service

Hello, On Monday XX/XX/XXXX, my employer-sponsored 401k account ( via WellsFargo ) was compromised when an unknown individual called in ( posing as me ) and successfully transacted a {$18000.00} loan ( sent to his bank account, via ACH ). Attached is a full timeline of events as I know them. 

My plan is called : XXXX Dollars & Sense 401k ( via Wells Fargo ). 

On Thursday XX/XX/XXXX, I noticed suspicious activity on my Wells account when I received a notification saying my login information had changed. This is when I called in, inquired about what was happening, and discovered that the loan was taken out days prior. 

I opened a case with Wells ( XXXX ), with their Retirement Services Fraud team. They are mailing me some type of " fraud packet '' to my home address, which I need to sign + return to them so they can initiate the investigation. 

HERE 'S THE THING : I also received a letter from USPS ( dated XX/XX/XXXX, which I discovered and read this morning ). It was a confirmation that my " mail forwarding request '' had been successful. So ... the person who stole my identity is also receiving my mail. Which will make it challenging to comply with Wells Fargo 's policy ... of opening this fraud case. 

Tomorrow ( Monday XX/XX/XXXX ), I'll be contacting USPS to clarify the mail theft issue. I'll also be sitting down with a detective at my local police station to go over everything that I know. I will also contact Wells Fargo letting them know about my USPS mail issue ... and see if they can send the fraud packet to a local branch.

I certainly do not have the " warm and fuzzies '' from Wells Fargo on this matter ... and I'm hoping the CFPB can assist me in securing my account + resolving this matter.

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

Complaint : ( XXXX/XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

Experian must remove all information reporting from and relating to ( SYNCB/SMRTCN ) including third party debt collection accounts associated with ( SYNCB/SMRTCN ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX/XXXX Experian Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of truth On or about XX/XX/2022 at XXXXXXXX XXXX I went on EXPERIAN website to see if there were any corrections of error on my consumer credit profile and they have refused to update my information correctly there should only be one name which is XXXX XXXX XXXX and no others. There should only be one address and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } and I am no longer associated with any other address and only one email which is XXXX. And they have refused to update this information correctly and not only that they are willfully committing aggravated identity theft against my persons because according to 15 USC 1681b ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT MY PERSONAL PRIVATE INFORMATION. And theyre deceitfully reporting late payments on my student loans which are more than seven years of age pursuant to 15 USC 1666 ( a ) Time to make payment 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

Attached is a identity theft report with listed fraudulent inquiries from TransUnion and below are all fraudulent inquiries listed on TransUnion TransUnion Fraudulent Inquiries XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

I found out that I was a victim of Fraud and someone falsely used my identity as a co-signer on a auto loan. I was not aware of this until XXXX XXXX had gave me a call. They stated that the person who stole my identity had gap insurance and that it would cover the debt. Although I told them this is not me they continue to report this as a charged off on my credit report. I would like an investigation to show proof as me as a co-signer and have the debt removed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX Total balance : {$2400.00} XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX Balance {$1800.00} Balance updated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account info Account number XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$640.00} Balance updated XXXX XXXX XXXX  I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open XXXX XXXX XXXX XXXX Balance : {$750000.00} XXXX XXXX XXXX XXXX Balance : {$740000.00} XXXX XXXX XXXX Balance XXXX {$34000.00} )
Product: Credit reporting or other personal consumer reports

Bankruptcy reported on credit. Not public records how was information released. 

XXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2023 {$0.00} XXXX