23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX. XXXX XXXX XXXX in the amount of {$5400.00} XXXX XXXX XXXX {$640.00}
Product: Debt collection

My social security number is XXXX. 
Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate Chase Receivables and XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Product: Debt collection

On XXXX XXXX, XXXX I received a letter from Hunter Warfield claiming that I owed a lease payment from XXXX XXXX XXXX XXXX for a total amount of {$1100.00}. With a principal of {$940.00} and interest of {$210.00} from the year of XXXX when I was residing in XXXX XXXX XXXX. Stating on the letter, if the debt is not paid they will file a lawsuit against me. The principal balance of {$940.00} which is also higher than my original lease amount. Furthermore, all lease payments were made, I have copies from XXXX of the certified checks, and the statements of my bank account showing the withdrawal amount, as well as the emails confirming payment from mresmgmt.com as will be provided in my supporting documents. I have performed my due diligence and looked up Hunter Warfield on the XXXX it's noted that this business has very shady business practices, with a 1 Star Rating on XXXX reaching XXXX complaints about this very business model. Let it not go unnoticed, this might also be in collaboration with XXXX XXXX XXXX XXXX. 

Hunter Warfield does not also provide information on how to dispute this claim, but merely state if I pay now, they will give me 50 % off my total bill. I intend to write Hunter Warfield directly as well as present this claim to the Judge Advocate General Officer, XXXX and FCRA. 

As a servicemember, I would like to also recommend an investigation into this companies business practices to wit seem fraudulent. They have also violated Florida and Federal Law, not stating action of which I should take if I believe I do not owe money, stating if the debt is not paid a lawsuit will be filed against me, and demanding amounts that are not contractually legal.

In the attached documents you will find checking history for the last two months of residency, along with the certified checks, a copy of the ORIGINAL lease, and a copy of the Notice of Intent to Vacate, including date matching with the pro-rated monthly lease payment. Lastly, the letter from Hunter Warfield and associates.
Product: Debt collection

I have asked to stop receiving these calls. I even tried blocking numbers but they keep calling from different numbers several times a day while I am at work. Sometimes I get more than one call within one minute like spam calling. Please help I just want my phone to stop buzzing all day long repeatedly. At this point I am being harassed
Product: Student loan

I am writing to bring to your attention the distressing situation I have encountered with my student loan servicer, Nelnet. I am reaching out in the hope that the CFPB can intervene and assist in resolving the issues I am facing. 

Over the past month and a half, I have made multiple attempts to contact Nelnet through emails and phone calls regarding my student loan. Unfortunately, my efforts have proven futile as I find myself on hold for over an hour each time without any resolution or response. This lack of communication has left me feeling frustrated and concerned about the status of my student loan account. 

Specifically, I have submitted a request to reduce my payment and transition to a new payment plan XXXX times within the last month and a half. According to Nelnet 's information, this application process should take XXXX days to complete. Regrettably, there has been no movement on my application, and I am left in the dark regarding the status of my request. This delay is causing significant stress as I am eager to address my financial obligations promptly. 

Compounding this issue is the fact that, due to Nelnet 's unwillingness or inability to process my request, my account is now marked as late. This adverse impact on my credit and financial standing further adds to the urgency of resolving this matter promptly. 

I understand that the workload for student loan servicers can be substantial, but the complete lack of responsiveness, the prolonged wait times on the phone, and the resultant late status on my account are unacceptable. As a responsible borrower, I am committed to fulfilling my financial obligations, and I believe that clear communication and timely processing of requests are essential components of a fair and functional system. 

I kindly request the CFPB 's assistance in investigating this matter and ensuring that Nelnet addresses the issues at hand promptly. Your intervention is crucial to alleviating the financial uncertainty and stress that this situation has caused me. I appreciate your attention to this matter and look forward to a resolution that ensures fair and efficient student loan servicing practices. 

Thank you for your time and consideration.
Product: Checking or savings account

In the beginning of XX/XX/XXXX I was trying to apply for a checking account with capital because I received a letter in the mail for apply for a checking & a line of credit. I applied and was denied. Before I tried to apply in XXXX I applied in XXXX and was denied then. I am trying to purchase a house and I need to have this inqury removed, Please. Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX  location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.
Product: Credit reporting

A few weeks ago transunion deleted all inquiries off my credit report and they were reinserted without notification prior to reinsertion.
Product: Mortgage

We previously submitted complaint XXXX with our mortgage company Bank of America in XXXX 2015. We received a response, had a new Customer Service Manager assigned and were told to continue to make payments since our account was not foreclosed. We have not missed a payment in 6 months. We were also advised that if we had a change in circumstances, we should contact our manager to discuss alternate options available. To this date, I have attempted on multiple occasions to reach XXXX XXXX or someone in his office and have received no return calls. We received a letter today stating our account was being referred to foreclosure. Again, I called XXXX XXXX to call to discuss this letter and received his voicemail. I am extremely frustrated by the lack of communication we received prior to opening this letter. No additional options or attempts to contact us from their end were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 closed mortgage accounts which were fraudulently opened. Wells Fargo Home Mortgage and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus XXXX XXXX and Equifax XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted and you reinserted them without notifying me 5 days after this account is in violation. 
XXXX XXXX  Account Number XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Checking or savings account

My Chase checking account was closed several months ago. I've attempted to confirm if debit card is still open, able to receive refunds, if issued by merchant ( s ), unable to confirm this information. If open, I request card closed out
Product: Checking or savings account

Citibank XXXX XXXX Branch on XXXX and XXXX XXXX Ive been with Citibank for over 16 years always kept a high amount in the checking and savings {$10000.00} in each account This is been an ongoing problem this time its gone too far A fraud alert was put on my account back in XX/XX/XXXX it was lifted off of my checking account but not my savings account its still under fraud alert I cant get into my saving account to transfer to my checking I do this when my funds in checking get low especially when I have a big project that Im working on which is a part of my job Its now XX/XX/XXXX why is my savings account still held XXXX for that fraud alert from XX/XX/XXXX? 
How could they clear one account my checking and not the other my savings? 


Ive gone to the branch and they couldnt do anything they tried calling on the phone couldnt and get anywhere I have been calling as well before and after I went into the branch I finally got a hold of the Fraud department however its the wrong one from what Im told The fraud department Ive been in contact with can not do anything theres a special entity thats holding my account XXXX who what why and where who knows? 
No one can lift this fraud alert from my saving account but one entity within the fraud department By the time I go tru The verification process with each person new person I speak with and when They finally get me to that special entity within the fraud department its CLOSED Its been closed for 4 days in a row then I am told wait and contact them another day when they OPEN So now Im stranded as a XXXX until that special entity within the fraud department opens on Monday What kind of banking system is this? 
No can make this fiasco of a mess up I have to leave and move out of town for my current project on Monday but now I cant due to Me having to stay and have Citibank lift the fraud alert from my savings having to do this is costing me more money that I can not afford an Unnecessarily hardship Which is depleting my account in checking I had to borrow money from my parents for the first time ever in my life ever to put enough money into my checking to cover my living expenses until Citibank fix The problem they created 6months ago The fraud department can not lift the fraud themselves they have to go to another special entity within their own department who, what, why and where is such an special entity Who knows? 


This is very concerning to me how is it possible that they leave the customers hanging like this How is it that I do not have access to my own account and I have to wait how many days now How is this OK? Let alone right This is a new Low for this banking system
Product: Debt collection

On XX/XX/XXXX LVNV FUNDING LLC reported a collection on my credit report stating I owe {$2500.00}. I never had any accounts with them or gave them any permission to report anything about me. I never received any notification of anything from this company. The company is reporting the account was opened XX/XX/XXXX in which as previously stated I never opened any accounts with them or received any notification on any attempts to collect any debt.
Product: Credit reporting or other personal consumer reports

I submitted a complaint about the communication to XXXX XXXX about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is THE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute regarding inaccuracies on my credit report. While reviewing my submission, I realized that I inadvertently omitted a critical document, my continuum sheet, which provides detailed context and evidence to support my dispute. This document is essential to clarify the nature of the inaccuracies and substantiate my claims. 

The disputed information pertains to [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I believe this information was either reported in error or resulted from [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. 

I respectfully request that the continuum sheet be added to my dispute file and reviewed carefully as part of the investigation. I trust that Equifax will conduct a thorough analysis of my case and provide an accurate resolution.
Product: Mortgage

XXXX XXXX and his wife had a XXXX XXXX, XXXX mortgage with XXXX, a New Jersey corporation, for {$240000.00}, which was a first mortgage ( since prior mortgages had been paid off ). In XXXX XXXX XXXX XXXX and Chase Home Finance LLC, apparently acting as a debt collector entered into a loan modification agreement. XXXX XXXX believes that his required payments have lately increased in a manner that he believes is unfair.
Product: Mortgage

AimLoan.com used a bad tax estimate when closing my loan and owes me money back from my escrow account. However, they will not correct the problem and have not been timely responding to the RESPA Notice of Error that I have sent them. I have paid the principal and interest, but they will not apply it to my account and are charging me late fees for the whole amount when only the escrow is in dispute. What good is RESPA if the lender/servicer can continue to act in bad faith and punish the consumer at will. Even after the mortgage fiasco that caused the recent recession, the consumer is always left holding the bag and the lenders can do whatever they like with impunity.
Product: Mortgage

My refi application process has stalled, my loan officer is not responding to emails.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Wells Fargo that they are sending me a new debit card because they believe my current card was susceptible to fraud- this was not a result of my request. On XX/XX/XXXX, I attempted to use my debit card but it had already been hot carded, despite the fact that the email on XX/XX/XXXX said it would take 5-7 calendar days to receive the replacement card. My new card has not been received, nor have I activated it, so I do not believe Wells Fargo should hot card my card, leaving me without access to my funds. 

This measure is taken by Wells Fargo on an annual basis almost. Each time, its a significant disruption to me, not to mention, embarrassing and frustrating having my card declined when I have enough funds in my account.
Product: Vehicle loan or lease

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to PAANL status paid as agreed never late according to consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with Transunion, XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.
Product: Checking or savings account

I have had many overdraft fees that didnt seem correct throughout the years XXXX
Product: Checking or savings account

Citibank has blocked a personal checking account as of XX/XX/XXXX due to suspected fraudulent activity. 
2. A check provided by Mr. XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana, XXXX for {$4500.00} has been returned reason E - unable to locate account 3. The originating bank is XXXX XXXX XXXX XXXX  and the check has the address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ, XXXX 4. As a owner of a XXXX XXXX XXXX XXXX   started in XX/XX/XXXX, I have received a number of payments from clients with very few bad checks. 

Citibank has created the same issue in XXXX when I received another check from XXXX XXXX and they returned the check. The amount had to be authorized again In XXXX, a forged check {$200.00}, XXXX XXXX had to be investigated after considerable time and effort was put in by the consumer to have the appropriate Citibank offices provide timely information. 

5. Mr. XXXX reached out to me via XXXX  and XXXX  ( short term holiday platforms ) to book a holiday XX/XX/XXXX-XX/XX/XXXX. Thereafter he proceeded to email every few days requesting a booking. Upon receiving payment requirements, he said as it is a company check, it would only be paper and after getting an invoice and the property address, a check was received as of XX/XX/XXXX. 
5. As of XX/XX/XXXX, Citibank placed a hold on the account through branch XXXX, block XXXX. At the moment, Im unable to pay mortgage or any bills due to this issue with the banks. 
6. The XXXX XXXX XXXX XXXX  only has a branch in XXXX, Arizona and they do not have any locations in XXXX. They also have not been able to confirm if XXXX XXXX is a client or if XXXX XXXX is associated with this person.