23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to XXXX XXXX. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On XXXX XXXX, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date XXXX XXXX XXXX ) was approaching and I called on XXXX XXXX for the status of my application after checking the website. I was told the application had not been processed and was offered a temporary forbearance for my XXXX payment. I accepted that. I waited a couple of weeks and called XXXX. I was told my application was processed and approved XXXX XXXX. I did not receive notice of the application approval and was told the application was no longer useful because of the forbearance. I asked the agent, XXXX, if I needed to resubmit the application. She told me no and that she would resubmit it on my behalf. I waited and did not receive any correspondence from XXXX nor was anything updated on the website. On XXXX XXXX around XXXX p.m., XXXX called me ( I found this unusual ) to tell me that I needed to resubmit the IBR application that she originally told me I did not have to submit. I asked her why there was not clear instruction when I specifically asked and what I should do about my XXXX payment. My account was placed in forbearance again " as a courtesy ''. I resubmitted the XXXX application again on XXXX XXXX via fax. I have a fax confirmation. I checked the website XXXX XXXX and received a message that I should check XXXX XXXX. I checked the website on XXXX XXXX and called. I was informed by the representative that my paperwork was received but that it was still pending. I have not received any correspondence or communication from XXXX. I am beyond frustrated because I have had to spend a great deal of time trying to pay the money I owe at a rate that I can afford. ACS is difficult to deal with, has a poor website, and communication is lacking.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion . The account in question is managed by XXXX XXXX ( Account # XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as my records show I have been enrolled in autopay for this account since its inception. 
TransUnion : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Discrepancies Across Bureaus : Date Opened : Discrepancies between TransUnion ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
Payment Status : Differing statuses for the same period. XXXX 's report of " Late 180 Days '' conflicts with TransUnion and XXXX 's " Late 120 Days. '' Last Reported Date : TransUnion and XXXX show XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Date Last Active : Significant inconsistency between bureaus, with TransUnion showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and XXXX showing XX/XX/XXXX. 
Date of Last Payment : TransUnion and XXXX list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure accurate information. These inconsistencies represent a clear violation. 
Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit terms and payment information, which has not been upheld here. 
Requested Resolution : I kindly request that TransUnion conduct a thorough investigation into this matter and : Remove the inaccurate late payments from my credit report. 
Correct the discrepancies in dates and payment history. 
Update the payment history to reflect my consistent on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Payment records demonstrating on-time payments. 
Screenshot of current credit report entries highlighting discrepancies ( attached for reference ). 
Supporting documents related to autopay enrollment. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

We were victims of fraud, both XXXX and XXXX. The fraud department agrees with the XXXX claims ( about 10different transactions ) but the wire fraud department says it is our fault. Some background, I received a call from someone claiming to be Wells Fargo fraud, the same way the actual fraud department called me. The fraud used the same phone numbers, text numbers and even used the same script their fraud department uses. As part of the verification process they texted me a code, from a valid phone # that I had history of receiving validation codes from, and that is apparently all they need. The wire fraud has denied our claim of {$5000.00}. 
1 ) how can two different fraud departments issue different judgements?

2 ) is Wells Fargo responsible for the fact that their phone # s are being used to perpetuate fraud? 
3 ) what is my recourse, the wire fraud department said they already appealed it to their appeals department and they also denied it as fraud. How is that possible and fair? 

Thank you for your help
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

XX/XX/2021 - I ( we ) have ben with Wells Fargo for many years. Up until now they seemed to be good to us, just a bank I guess. Recently I ( we ) sent money to our niece. This wasnt the first time and we have never had a problem using XXXX before. So we sent her {$500.00} I couldnt get ahold of her to confirm if she received it. When I did get a hold of her XX/XX/2021 to confirm she said she did not get it. So I called Wells Fargo and they opened a case. Case XXXX. I was told it looked like it was complete but something was not right, it was pending for some reason. I was told it could take up to 12 days to investigate but should only be a day or so. So I thought I would delete my niece and add her back in, sometimes this works for other stuff. So I did. Still nothing in my nieces account. I called back and was told it might take 12 days. I waited and called back in 12 days XX/XX/2021. I was told the case was closed, the transaction was processed as requested. NO, NO it was not. My niece still did not have the money. The case was reopened and I was told it could take another 12 days. I feel like I was being put off. When I called the lady on the phone treated me like I was doing something wrong and wanted to talk to my husband. Neither one of us was very happy about that. She kept saying the email address the money was sent to was not the email address we could see on our end. She said the money went to a different email address than what we told her, so I took a picture with my cell phone even though my husband read her what we were looking at she kept telling us that is not the address she was seeing, so again we waited another 12 days only to get a letter stating the case was closed again. This isnt right, its not {$25.00} dollars, its {$500.00}. Wells Fargo basically told me to try to get it back myself. I did send an email to the address she said the money went to and requested the money back. I did not get a reply. I knew I wouldn't, but I tried. My niece has since closed her Wells Fargo account. n Once this is all settled, we will do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I inquired about a payoff with Ally Financial for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found an inaccurate account. 

XXXX XXXX Bank has violated my rights 15 U.S. Code 1681e - Compliance procedures ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverified information ( A ) In General If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following Items from my credit report, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 1666B : 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 card or prepaid card

We hired a moving company to move our belongings from one apartment to another for a total cost of XXXX dollars. After we moved, paid for the service and tipped generously, we realized our brand new XXXX monitor ( purchased in XXXX for XXXX ) was damaged. We reached out to the company for resolution. They claimed they interviewed the movers and stood by there claim that they didnt damage it during the move. They offers a XXXX dollar credit for smudges on our tvs and new monitor ( same one that was scratched ). They said this was there final offer and we had 24 hrs to accept. We disputed the charge with Citizens Bank ( the credit card we used to pay for the service ), and we were just told it was rejected. We have a receipt for the item and photos showing the damage and handprints from when they picked up and damaged our monitor. We have never filed a dispute, happily paid for the service and tipped prior to realizing the damage, and frankly at a loss that Citizens bank would not back its customer over the word of the company that damaged our property and failed to replace our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spring Oaks is reporting inaccurate information about an account listed on my credit report. Account XXXX is listed on my credit report for XXXX that this account was opened on XX/XX/. Why are you trying to extend a debt longer than the law allows. You have the last reported date the same as the last active date, which is also incorrect information. If you believe that you are reporting accurate, please provide the payment history to this incomplete account. I have attached a copy of this report. I would like this removed from my credit report. 

A collection account is always to be considered an extension of the existing debt. It is against the law for a collection agency to report old debts or collection accounts as a new account when the debts are sold.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

The amount on the card was XXXX and I only spent XXXX but the amount balance after the transaction was XXXX. I then proceeded to call the company to file a complaint and I was on hold for a long time. There was no answer so I decided to file a complaint to consumer finance and I was given a specialist from Bank of America but he only called once and I called back after maybe 5 minutes and he did not answer. Ever since Ive been leaving voicemails because when I call it goes straight to voicemail and he has not called me back. Its been almost two months and no response.
Product: Debt collection

The account that says I owe {$310.00} has already been paid. I no longer owe this because I paid it directly to the hospital. Further more there is a HIPAA violation and I never approved for a third party to access my families medical records.
Product: Student loan

XX/XX/2018 I cancelled my auto debt payments from coming out of my account I spoke with rep XXXX from company and advised it would be cancelled. the company took out money from my account without my knowledge.
Product: Debt collection

I received a harassing phone call from XXXX XXXX  for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told XXXX several times that I was in the do not call list and that I do not owe any company debt.
Product: Mortgage

Our mortgage was transferred to Roundpoint Mortgage/ payments beginning XX/XX/XXXX. 

When the mortgage was transferred there was a data leak and our savings account information was compromised and money was stolen. 

XXXX XXXX XXXXXXXX recovered the funds through fraud investigation. The savings account was deleted and a new one opened to protect the funds. 

I contacted Roundpoint numerous times to communicate they could not auto withdrawal the account explains the compromise and told them a new account was being established and we were going to set up biweekly payments. 

Roundpoint initiated withdrawal from the account despite being told the account was being deleted and stated we did not have sufficient funds and charged us a fee for returned check. No one from Roundpoint contacted us to inquire why they couldnt draw the payments. 

I sent the paperwork in to estsblish biweekky payments and was told it was all set up but the funds did not come out of the new account. 

I called and was told they could not establish till mortgage was paid 2 months in advance and they asked why we have missed a payment. 

I re explained the compromised account and that we were attempting to establish a new one for biweekly payments. The call taker refused to transfer me to a XXXX or XXXX. After being on hold numerous times I was told our fee had been waived under our 1 time forgiveness because Roundpoint was not the party who made the error. Roundpoint refuses to take responsibility for the data leak that compromised our savings account, attempted to withdrawal funds from a deleted account, and gave me false information about the establishment of our biweekly payments. We should not have to forfeit our 1 time forgiveness on an error made on their behalf. 

The call taker refused to transfer me to an XXXX or XXXX stating numerous time I could not talk to anyone else because there was no one else to talk to. 

Roundpoint says that all calls are recorded and I told her that I wanted the calls pulled and to speak to an XXXX that homeowners shouldnt be punished for these types of problems during a loan transfer. I was told that since my fee had been waived there was now no reason for me to speak to an administration. 

The biggest problem is the data leak. The company needs to be aware our information was compromised in the loan transfer. This is unacceptable treatment of a home owner. I have never missed a payment or been late on mortgage payments.
Product: Credit card

In XXXX I called Avant to have the annual fee waived and close my account. I had the account open since XXXX, I believe, and never received the credit card in the mail. I never once used the account. I decided I didn't need it any more and wanted to close it. When I spoke to the associate and explained what happened, I was assured that the fee would be waived as a courtesy and my account would be closed. I made sure to clarify 3 times that the fee would be waived.They closed the account but did not waive the fee. This resulted in late fees bringing my balance to around {$110.00}. I've been getting calls every few hours from Avant alerting me that I have a payment due. I called them today to clarify what's going on and why I have a balance to pay, when I was told the fee was waived. They just apologized that I was given misinformation and are still expecting me to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. XXXX  also is reporting this account open when this account has been closed since XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Debt collection

A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. 
My husband was also on the collections letter, but was not on the lease.