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

Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, Equifax and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Product: Vehicle loan or lease

XX/XX/XXXX CarMax Inc received a bill of sale with a acceptance for value, special indorsement and a statement of the facts. XX/XX/XXXX I received two documents, a welcome letter and a notice of Reassignment. Can CarMax please respond to this complaint with a valid contract attached to it. XX/XX/XXXX I have no valid contract.
Product: Mortgage

I began the loan process on XX/XX/2020. I started out with XXXX XXXX as my loan officer. I had an in depth conversation with her about my circumstances to ensure there would be no issues before formally applying. I applied and things were moving along fine until the week I was suppose to close. I signed disclosures, locked a rate and was approved by the lender. After all of this XXXX disappeared without notice. After calling over and over, I was finally told she no longer worked with the company. Even tho disclosures were signed I was then told they no longer offered the kind of loan ( for self employed people ) that I had applied for. I was a qualified applicant with a binding legal document executed and yet I after asking repeatedly I was given no real concrete answer as to why my loan was all of a sudden not fulfilled. 

Because this originator is a broker they told me they would " flip me to a new lender '' .I was then made to go through the entire underwriting process again. This took another full month. Once again I met the criteria and was approved. Again I was promised I was going to be able to close XX/XX/XXXX XXXX on the XXXX I was told that my loan wouldn't close " because of Covid 19 ''! They said the lender XXXX Mortgage was not funding loans due to the crisis and was not going to do that type of loan anymore. I talked directly with XXXX XXXX  and they said that was false information. I am writing this complaint because I believe I was discriminated against due to being self employed among other factors. I am requesting this lender been fined, their license be taken away and/or my loan be honored, whatever is appropriate in the case of discriminatory lending practices. I have good credit and met income criteria. Just because I am a XXXX, XXXX XXXX XXXX XXXX XXXX should not mean I can not get a loan like anyone else who is qualified.
Product: Mortgage

I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I didnt meet the qualifications for help. First denial because I did n't make enough money then got a higher paying job and reapplied and now Second denial because I can afford my mortgage. However, they refuse to help with a repayment plan or modify my loan to add the missed payments to the back end of my loan. They say I 'm 15 months behind but that 's not so because my last payment was XXXX. Under a unemployment program. Since then I have appealed and filed a complaint with Wells Fargo XXXX XXXX in the consumer finance complaint recovery group and I have yet to hear from anyone in weeks. Yet they continue to move my foreclosure date or suspend it while under review month after month. My fear is that they are letting it go so that I 'm too far behind for help. I have offered to pay XXXX in back payments which is half and the rest in payments over the extent of my loan or add to the back end. They said this changes everything and will submit for a new review but yet have n't heard anything from anyone. I last spoke with my loan XXXX XXXX on XXXX/XXXX/XXXX and XXXX with the XXXX XXXX XXXX XXXX  complaint office XXXX My Home Preservation XXXX is XXXX XXXX Wells Fargo XXXX XXXX | XXXX Home Campus XXXX XXXX XXXX Floor XXXX XXXX XXXX XXXX, IA XXXX XXXX # : XXXX XXXX XXXX ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX is my contact in the XXXX Consumer Complaint Recovery Offices XXXX Ext. XXXX XXXX Wells Fargo XXXX
Product: Checking or savings account

I have been a customer of Wells Fargo Bank for almost XXXX  years. I can count on my fingers the amount of times I have needed to dispute a transaction, each time I have, it was fraudulent. On XX/XX/2023 I noticed XXXX transactions that were not made by me, even though it was my card number used. Through online banking, I disputed the transactions and a provisional credit was provided. Then, XX/XX/2023, I received a letter that informed me that Wells Fargo Bank determined three of the four charges were authorized by me and not fraudulent and they would be reversing the credits. I called in to the claims department, they informed me that this was determined because the merchant was able to provide receipts that showed my card was swiped to make these purchases. I informed them again that my card had not left my possession and those purchases were not mine. They reopened the claim. I hadn't received any updated information nor had I received any credits so I called back in. The claims specialist let me know again that Wells Fargo Bank and the merchant determined these to not be fraudulent charges because a card swiped and the merchant provided receipts. She let me know that Wells Fargo has special cards that can not be duplicated so when a card is swiped, they have to determine the charges valid. I can not believe that my hard earned money is just gone to fraudsters and the bank that I have been so loyal to for so many years is telling me there is nothing they are going to do about it. There are no layers to investigating, they look at receipts and only receipts, so if a criminal finds a way to make a card with your number on it, then the customer is out of luck. They didn't look at my prior transactions to see that I have never been to the same gas station in one day and spent {$340.00}. There were {$610.00} spent in a matter of 3 days. They didn't say whether a pin was used or if it was a credit card swipe if an ID was checked to verify the name on the card. They didn't say they reviewed camera footage of the transaction. Over the years I have given Wells Fargo Bank my money with the understanding they were keeping it safe, they are not keeping it safe.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority. 


In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act. 

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization. 

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions. 

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation. 
2. Remove all inquiries permanently from my credit report. 
3. Remove any fraud alert once all matters have been resolved. 
4. Eliminate any delinquencies immediately. 
5. Restore or delete any late payments from my credit history. 

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed. 

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness. 

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance. 

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.
Product: Mortgage

on XX/XX/2024, a payoff request was submitted to my current mortgage company Village Capital by my new lender from XXXX XXXX. upon submitting request, we were informed that a confirmation of some sort was going to be sent out to verify that the request was received. However, that was not the case. on XX/XX/2024 since there was no receipt of acknowledgement I went and called the mortgage company customer service to see if someone could get me some type of re assurance that the request was being received and worked on. But the operators were very unhelpful stating " that they could not get me in contact to anyone that is working in payoff because that is what the protocol is. '' and that they could not see my request. being told this I submitted a new request and was told I would receive a confirmation email shortly. on XX/XX/2024 seeing as I has STILL NOT received any type of confirmation on my request, I called customer service back on and asked to have my request checked on again by someone working in the payoff department. Once again, I was told I could not due to protocol. I requested for my issue to be escalated because it is extremely unprofessional to not help a customer due to a supposed " protocol. '' On XX/XX/2024 I was contacted by Village Capital and was told that due to me putting in a second request, my payoff was going to be delayed even after I expressed that the only reason I put in a second one was due to their lack of communication and customer service. And that nothing would be done to assist me in any way and that I would just have to wait. so now my closing is pushed back significantly, and I will be forced to pay down another mortgage payment with a company I shouldn't be paying which will result in financial hardships on my part all because they refused to assist a customer and do their due diligence.
Product: Debt collection

Medical services were provided at an XXXX facility ( XXXX XXXX 's Medical Center ) during a period of relocation. The health facility mailed the bill to an older address. I sent payment as soon as I received the bill as a piece of forwarded mail. I also contacted the facility in the interim to confirm receipt of payment. Somewhere in the interim, the medical center must have issued a request to collect the {$25.00} copayment to a debt collector. Upon receipt of their letter I informed them that the copayment had been sent and received by the medical center. However, the debt collector ( Nationwide Recovery Services ) has refused to contact the medical facility to confirm receipt of payment and has asked that I provide proof to them. The easiest form of proof is for them simply contact the medical center. I informed them that I would file a complaint as they told me to expect continued collection attempts until I furnished proof of payment.
Product: Bank account or service

Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX Pay so, I downloaded the XXXX Pay ( XXXX XXXX ) in my iPhone. Then made a call to XXXX XXXX to understand the process. I was told to add XXXX Pay as payee in my bank checking account and paid the money I wanted to transfer into the XXXX Pay. So, I paid {$620.00} from my Capital one 360 checking account to XXXX Pay and XXXX Pay received {$620.00} from checking account on XX/XX/2016. After making several calls and emails ; I was notified by XXXX XXXX Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XX/XX/XXXX and XX/XX/XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money. 
When I brought up this matter with capital one 360 ; their inquiry concluded that they were instructed and provided the XXXX Pay address by me which is totally untrue. As a matter of fact I with the help with their cafe personal banker downloaded XXXX Pay icon from capital one 360 bank 's website to add as a payee in order to transfer {$620.00} electronically to XXXX Pay and they sent out a paper check instead. Everything was done using their website so, I did not have to provide them with XXXX Pay address. Bank claims that the address was entered manually which I had no knowledge of it and as a consumer I had to trust the banks 's rep. and website. I feel like scammed and neither XXXX Pay nor capital one wants to to take the responsibility and trying to escape from their responsibility. 
Please help!
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protection 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 U.S.C 1

681 Section 602 A States I have a rig ht to privacy. 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible TRUIST DEALER SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Product: Checking or savings account

I did a bank account with suntrust bank and since the first day XXXX got my ATM card it was giving me problems I would try to use it and it would give me decline wild I had funds in this account. Then I would try to purchase items in stores and the same issue would keep having I was only able to use it on my XXXX XXXX Now the bank have my account frozen under fraudulent investigation witch I dont understand why if all my funds in there came from my unemployment benefits, stimulus check, federal Texas. I also went to the branch to speak to a representative about the situation they had told me that they can see where the funds came from and that they dont understand why my account is under review. I have called several times the bank to discuss this problem and call they can say is that the investigation is still open and they cant tell me an exact day when I can get my check in the mail. I explained to them I have bills to pay and a XXXX XXXX XXXX child that I have to support with these funds now we are struggling due to the bank having all my funds on hold. I even send them a fax showing my unemployment payments history so they can see that my funds are actually mine and Ian not trying to due any fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXXXXXX XXXX XXXX XXXX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just disputed this and was changed on XXXX and the info is still inncorrect this item has been reported wrong several times all the errors has caused more damage to my credit report and scores than it should i have the contract that states 72 month terms its showing 75 another error
Product: Debt collection

I continure to receive Debt Collection Letters from Works & Lentz Inc regarding Medical Bills to which I do not owe and have proivided Notarized Identity Theft Affadavit as well as Police Report, as well as Cease and Desist and they continue to Harrass me for debts I do not owe, and have now sent Medical Records on someone whom I do n't know and that is FEDERAL HIPPA VIOLATIONS.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX, I don't have a contract with them. They did not provide me with the original contract, bearing my signature as requested. 

The other XXXX bureaus have removed this account from my credit report. 

This account is also past the California 4 year statue of limitation. 

I want this account deleted immediately from my credit report.
Product: Credit card

I have had a Capital One credit card for at least 6 years and maintained it without being late despite many hardships over the years. I obtained a prepaid Capital One credit card last year after responding to an offer. 

The other week I logged into my Capital One app and account for my routine daily checks and maintenance to discover that a " restriction '' had been put on my account. Within minutes I also received several email alerts from credit monitoring services that an account had been closed. 

I never received any emails, letters ( not until a week later ), texts, etc. Capital One never communicated to me in any fashion or gave any kind of warning. 
The accounts were temporarily over the limit, but I do not see why you would take such extreme measures without any warning for this. 

The account that was closed that I had for 6 years was one of my oldest accounts and will thus have an unfair excessive negative affect against my credit ratings given the way the algorithms work. 

Their sudden and arbitrary actions against my accounts was added bad news and stress that I did not need nor deserve! 

The case that I am making is that Capital One should have relayed some sort of warning or pre-communicative measures BEFORE taking things this far!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I made a {$66.00} purchase through PayPal. However, I sent the merchant an email to cancel the order on XX/XX/2020, and XX/XX/2020. However, the merchant refused to cancel the order but shipped the wrong item instead. Therefore, on XX/XX/2020, I submitted a dispute through XXXX, which XXXX denied. They did not give me the opportunity to appeal my denial with additional documentation. Therefore, XXXX supported a fraudulent transaction with the merchant. In addition, I contacted my leasing office and spoke with XXXX and XXXX. They both confirmed that no package was delivered. However, I received a small package of two masks instead of the sewing table I ordered.Then after further research on the merchant, there were other complaints about the same issues regarding fraud.