23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Spoke to XXXX XXXX from Well Fargo her number is XXXX. This is still unresolved. Wells Fargo is not taking accountability for losing our documents after providing us with a return label for shipment. Luckily we had copies of all the documents and provided it to them in reference to the case. If it wasn't for our copies provided to them they would have no record of our documents being returned with personal information. We were never told our paperwork wasn't received. Our point of contact continue to push back the deadline because of the state our country was in with Covid. After not hearing from Wells Fargo, we reached out to see the status of our loan modification. That's when we were told they never received our paperwork. We are basically being called liars and being told we created the return label ourselves. They created the return label and had the tracking number and were able to trace it to a XXXX XXXX in California. If they didn't provide the label then how did they track it?! Then conveniently they sold our mortgage.
Product: Debt collection

I was a victim of identity theft and noticed a collection from CREDIT SERVICE 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 CREDIT SERVICE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Vehicle loan or lease

I have been having issues with XXXX for almost 3years I have resolved this matter which I have includes all documentations. I have a company that is called XXXX calling me with this matter. This is a closed matter and there is no reason to be getting any phone calls or letters. I need this matter to be taken care of ASAP
Product: Credit card or prepaid card

In XXXX I complained about a XXXX charge I received from XXXX on my statement. The charge was not recognized. I have dealt with the company in the past but only in prepaid fashion where I charged The Whole amount to the particular credit card a year ago. I never authorized XXXX to charge the amount indicated. Furthermore they used an old credit card number and expiration date since I know I never updated that information with the gym since it was only that one payment I made. I told the person in the gym that I will not be charged and they told me of course not you paid for the year membership in advance and there was nothing to worry about. I told us bank all this information and filed a dispute tellinging them it was unauthorized charge. They did not listen. They gave me a conditional charge but reversed the charge saying it was authorized. After bickering with me back and forth I was forced to file this complaint. XXXX
Product: Credit card

BANK OF AMERICA XXXX Original Creditor - Company Sold Account Type Revolving Date Opened XX/XX/year> Open/Closed Open Status Pays account as agreed Status Updated XX/XX/year> Credit Usage 89 % Balance {$5300.00} Balance Updated XX/XX/year> Credit Limit {$6000.00} Monthly Payment {$53.00} Past Due Amount Highest Balance {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been part of the cybersecurity leak that affected Equifax from XXXX to XXXX XXXX. I am only being informed now, in XXXX of XXXX of the fact that my information has been floating around as part of this comprehensive hack on their databases. This is unacceptable as no information was ever given to Equifax consumers by Equifax regarding the breach. 

As a result of this breach I may be vulnerable to fraud, identity theft, unauthorized use of my credit and finances, among other life-changing things. This has caused me much stress, anxiety,  and undue hardship due to the constant thinking about having my identity stolen and the taking steps, without the help of Equifax, to attempt to minimize damage and remedy the situation. For a company that is worth well over {$3.00} billion, it is absurd that they can not protect consumer information.
Product: Student loan

I am a XXXX XXXX XXXX and have been for the last 17 years. In XXXX I was told my employment qualified me for the Public Service Loan Forgiveness ( PSLF ) program as long as I made the " 120 qualifying payments '' on my Direct Loan. Accordingly, I submitted the necessary employment certification and applied for the loan forgiveness. I was informed that the program would only apply to payments dating back to XXXX. ( I 've been paying my student loans since XXXX ). My loan was transferred to FedLoan Servicing and I continued to make my monthly loan payments. I called last year to in XXXX to check on the status of the program, but was informed that my loan " type '' did not qualify for the loan forgiveness. This was the first I 'd heard of this, but learned that I had to be in a " income driven '' repayment plan to qualify for the PSLF. This was never mentioned in the materials I initially received. Nonetheless, I requested that FedLoan transfer my loan to the type of program that would qualify for forgiveness. Last month my loan was transferred into an income driven plan. To my shock and surprise, when I called to check on the status of my PSLF I was told that my loan would not be forgiven since it had not been in the " right '' plan for 120 payments. Moreover, I was also shocked to learn that my monthly payments had been increased from {$800.00} per month to {$2000.00} per month! I believe that FedLoan is engaging in fraud and deceptive practices. I was tricked into applying for a loan forgiveness program and my monthly payments have more than doubled.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I paid off this loan in full. By XXXX, my credit report was still showing the full balance owed in XXXX. I submitted a complaint and the the balance was removed during investigation. 

Despite the account being paid in full, and having a {$0.00} balance, {$2900.00} was added to my credit report on XX/XX/XXXX, which dropped my XXXX XXXX XXXX points. This fake balance due was reported after the account has had a {$0.00} balance for over 3 months. 

Upgrade will intentionally and maliciously drive down a user 's credit score in order to force them to use their line of credit - which they doubled the APR on for new loans *after* I agreed to the terms of the line of credit. The new APR is currently 10 % higher than credit cards, making the personal line of credit completely useless for me, and making the impact to my credit report even worse.
Product: Credit reporting or other personal consumer reports

I contacted VW credit to see if a goodwill adjustment could be made for a past due mark on credit reporting for XXXX XXXXXXXX, as the first payment made was 32 days past due. This was overloooked in error on our part, as we thought the payment was due on the XXXX of the month. I contacted VW on XX/XX/XXXX to make this request, and was treated poorly by their customer service team. I asked what contact information VW had on record, as I received no phone call prior to the account going 30 days late. I made this request as we have had several VWs prior, and I believe that they never updated our contact information from prior vehicles to the current one, which has my phone number and email on the loan application. The XXXX agent refused to verify phone number or email address that VW has on record and stated that what they have on record is what I provided on my loan application. I can tell you that this is not true, as my phone number ( which should be the first number listed on the account ) did not receive any calls or messages from VW. The agent did list off dates where calls were made, but refused to confirm which number the call was made to. When I expressed my dissatisfaction to the customer service agent and requested to speak to a manager to confirm the demographics on record, the CS agent refused to transfer my call. I requested to speak to a manager 5 times! It was not until I stated I would make the complaint through the CFPB when he attempted to transfer my call.
Product: Checking or savings account

On XX/XX/year>, I logged on to my joint account to mobile deposit a check. I saw the balance on my account had dramatically decreased since my previous log in. I discovered multiple maximum allowed XXXX transfers in a short period of time in the month of XX/XX/year>. I had no knowledge of these transfers and had not received any notification through text or email regarding them. Since this is a joint account, I consulted with my husband to see if he had any knowledge of these transfers. My husband was not enrolled in XXXX, and he had no knowledge of the named XXXX recipient or the transfers. I immediately called and notified Wells Fargo of the unauthorized XXXX 's and asked to speak to the Fraud team. Since XX/XX/XXXX was a weekend the Wells Fargo rep XXXX, took my complaint and stated that the Fraud team was not open until Monday at XXXXXXXX XXXX EST. XXXX gave me the direct number. I also asked for my account to be closed due to the fraudulent activity and a new account number be assigned to us and this was done. I took the telephone number for the fraud department and on Monday morning, XX/XX/XXXX, shortly after XXXX XXXX  I filed our complaint with the Fraud Team. XX/XX/year>, at approximately XXXX XXXX, my husband and I went into our local Wells Fargo and asked to speak to a banker that works there. She was busy with appointments, and we were told she would call us to schedule an appointment later that day. We notified her of the urgency of the matter while we were there, by letting her know there were unauthorized XXXX 's on our joint bank account. At approximately XXXX XXXX  on XX/XX/XXXX we still had not heard from her for an appointment, so my husband called the bank and asked again to schedule an appointment with her. He was able to schedule a XXXXXXXX XXXX appointment with her Tuesday XX/XX/year>. We sat down with the banker and she discovered even more XXXX transfers then what we had seen adding up XXXX. She also discovered that there was a separate account in only my husband 's name and that it had an email and telephone number that does not belong to him and that the XXXX transfers had gone to that separate account. She then asked my husband to log into the Wells Fargo Mobile App. This was the first time my husband had ever used the app. On the app there were notifications of the unauthorized XXXX transfers. This is why we had not seen them as they did not show on the joint account and the email and telephone number were not ours attached to this separate account.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received notice of a debt collection from Credit Collection Services for {$120.00}. I responded with a certified letter asking for debt validation and their legal right to collect on this debt. CCS responded on XX/XX/2020 with a health insurance form. The information on the form was typed and does not have my signature or anything consenting to a service. The item has been placed on credit without any resolution or debt validation. 
I called CCS on XX/XX/2020 and spoke with XXXX XXXX and she said that the company works for XXXX XXXX and if I had a problem with what was provided I am to call XXXX XXXX She also stated that they can not provide any legal notices to collect this debt bc they work for XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I have disputed a bankruptcy in my XXXX public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with LexisNexis. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my LexisNexis consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX XXXX XXXX, 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 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, credit repair services, 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Asset Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Exempt Amount : {$0.00} 15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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

The following accounts have been listed on my credit report and have violated my rights under 15 U.S.C. 1681 : {$210.00} - XXXX XXXX XXXX {$290.00} - XXXX XXXX XXXX {$500.00} - XXXX XXXX XXXX {$750.00} - XXXX XXXX {$2200.00} - XXXX XXXX XXXX Violation Details : 15 U.S.C. 1681 Section 602 ( a ) : My right to privacy and confidentiality has been breached. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any 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

To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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.

Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP 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

XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card or prepaid card

I have a capital one bank client for 15 years.. I have business and personal checking, savings and credit card accounts. One XX/XX/2021 I received notice that my Capital one personal and business credit cards has been closed, which was 5 in total. I contacted them serval times and was told that my account was closed first because of a return payment which when the customer service rep reviewed all my accounts he found out that wasnt true, then i was told the reasons for the accounts being closed would be mailed to me. I called again the I was told they where being closed because of activity with capital one or another bank account which they could never tell a specific reason why and then i was told the department that closed the account cant be contacted and there was no contact information for that department. All my accounts was in good standing and never made any late payments. I truly believe its some form of discrimination which is why i was never given a specific reason. Attached are the 5 letters they sent me of the 5 accounts they closed
Product: Consumer Loan

According to the ECOA ( Equal Credit Opportunity Act ), I am a victim discrimination from ALLY. This company has been brought upon charges for illegal business practices and discrimination against minorities by " marking up '' or providing perspective clients higher than normal interest rates on vehicles. Although, my claim was submitted, I am still incurring high interest rates from ALLY. I also want to file a civil complaint against ALLY for this type of discrimination and I wish to file a complaint against XXXX XXXX XXXX, CA, who is the car dealership, that sought out the loan from ALLY.