23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had discussed with the salesman at XXXX XXXX dealership in XXXX XXXX, NC to have my payments lowered in 6 months from the date of purchase of the vehicle. Each time a 6 month time period came I contacted the salesman, XXXX XXXX, and was given a different reason to call back in another 6 months. The finance XXXX, XXXX 's father had XXXX, they were busy, I hadn't paid enough, come back in another 6 months were some of the answers I got. Finally after about a year my credit had suffered. Then of course the answer to have my payments reduced was that my score was too low. In the beginning, I had also contacted Santander finance company about lowering my payments. I got different answers from different reps. One rep said take the truck back and get something you can afford. One rep said the loan was with the dealership and not actually with them at Santander. I was so confused and frustrated. When COVID hit I asked for help with payments because I saw online Santander was one of the companies providing assistance during COVID. I called and told Sandtander I even had XXXX XXXX XXXX during COVID and had some interruption in work due to the XXXX and decrease in work hours and pay for a while. Santander let me skip one vehicle payment but never decreased my payments. I think I was able to change my due date once in the 2 years I have been making payments. I have now paid down the very high interest I was charged and should be paying off the principal now. Santander should lower my payments. I feel as though I have been the victim of predatory lending.
Product: Credit reporting

THERE ARE ALOT OF ACCOUNTS THAT I CLOSED MYSELF AND THERES TOO MANY OLD REPORTS ON MY CREDIT REPORT THAT SHOULDNT BE THERE RUINING MY CREDIT SCORE
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX  : Original creditor XXXX XXXX Opened : XX/XX/XXXX I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Product: Credit card or prepaid card

On XX/XX/2018 my bill for XXXX dollars did not go through when it was an auto-bill. I reached out to the company and they said they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Mortgage

As a first-time home buyer in XXXX, Wells Fargo advised me to take a balloon mortgage as a second mortgage instead of PMI. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. They also said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages, or they no longer offer them and were unable to help me. I even had one lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I also requested an amortization schedule in which they showed my mortgage as a conventional loan ( see attached ). Then they said that the amortization schedule was an error and they made a mistake. Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : XXXX XXXX Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} The balloon mortgage has now reached its maturity and I am unable to pay the balance and I can not afford to refinance and pay this off. This has been very frustrating and a huge financial burden on my life. Balloon mortgage loans should be forgiven for first-time home buyers and illegal in general. 
1. In XXXX of XXXX, Wells Fargo representative said I could refinance the second mortgage into a single mortgage in a few years and that is what most people do. As a first time home buyer, I did not know better and took their advice. Wells Fargo records all phone calls, I would like to obtain the recordings and transcripts from XXXX and XXXX of XXXX. Please provide. 2. In XXXX of XXXX, the Wells Fargo representative also described the loan as a credit card. At that time, I was in the habit of paying off my credit card balances every month. I understood the loan to be a simple loan. Again, Wells Fargo records all phone calls and I would like to obtain recordings and transcripts from XXXX and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed on my Experian report that Experian reports my XXXX XXXX to be over {$66000.00}. 

I only have two loans both with XXXX XXXX. Those loans as of XX/XX/22 have a total of {$22000.00}. 

This incorrect information is hindering my ability to secure any further loans with XXXX XXXX, which is my primary financial institution. 

I have contacted and spoken to two reps at Experian, who very quickly noticed and acknowledged the incorrect information. The last rep I spoke to indicated that a Supervisor would have to look into this and then would call me. That was months ago and I still have not been contacted. Experian, has also made it more difficult to get a hold of rep on the phone to discuss the mattter. 

This issue needs to be resolved as quick as possible or legal action will be considered.
Product: Checking or savings account

I deposited a {$20000.00} check at a Truist ATM on XX/XX/22. This is a regular monthly deposit from my business account at another bank which I have been doing for more than 2 years. On XX/XX/22, an " Exceptions/Administrative Hold '' was placed for an amount {$14000.00} till XX/XX/22. This despite the check clearing successfully from the other bank on XX/XX/22 and the funds already debited. In speaking with Truist, I was informed that this was a Large Deposit Hold for 7 days. When I explained that the check had already cleared and I would be unable to pay my bills if the funds were not released, I was informed that there is nothing that could be done. I was also informed that there was no guarantee that this would not happen again. I understand a hold be placed until a check clears but do not understand or accept why this hold could not be lifted.
Product: Mortgage

I have been making payments to my loan servicing company Select Portfolio Serving during my six-month long forbearance. Most of these payments were in excess of {$1200.00}. I only had to pay {$390.00}. I am very confused and dont understand where exactly did these funds go.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for every transaction Ive reported.
Product: Credit reporting or other personal consumer reports

Hello, Sir or Madam. 

I have been a victim of identity theft. I recently found out that my personal information was taken to open an account with your XXXX XXXX I did not open or authorize this account, hence I beg that it be closed right away. I also request that you absolve me of any charges on the account and take all necessary actions to delete information regarding this account from any and all records as soon as possible!!!! 

A copy of my Identity Theft Report, which supports my argument, is enclosed, as well as copies of my Clarity Report and FTC ID Theft Report. 
A copy of the CFPB 's Notice to Information Furnishers is also provided, which outlines your responsibilities as an information provider to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must cease giving identity theft-related information to any CRA. 

The Notice also defines your responsibilities when a CRA notifies you, pursuant to section 605B of the Fair Credit Reporting Act, that information you gave to the CRA may be the product of identity theft. These responsibilities include ceasing to supply misleading information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection.

Please examine this situation, cancel the account, clear me of any charges, follow the Fair Credit Reporting Act 's requirements, and write me a letter outlining your findings and actions.

All the Best,
Product: Debt collection

I have never received any letters from the debt collections company, I have only seen it pop up on my credit report. I have called the Paragon from the number listed on XXXX and requested a debt validation on XX/XX/2022 and never received it. I called again today ( XX/XX/2022 ) and while they claim to have sent it XX/XX/2022 I still have not received anything. I called the provider ( XXXX XXXX ) and they confirmed all of my accounts are current with none being in collections. The amount also does not match any of my billed amounts over the past 3 years. This is highly damaging to my credit and reputation as I have taken a hit to my credit of over XXXX points due to this. I have done everything in my power to get this resolved with no help or cooperation from the debt collection company.
Product: Debt collection

Good Evening, I am complaining against NATIONAL CREDIT SYSTEM for using depictive tactics to collect a doubt that I was never notified of until more than a year and a half later on an apartment. 

Back ground : I resided at XXXX XXXX XXXX for 4 months in XXXX XXXX for an internship. I moved out on XX/XX/XXXX. I turned my keys in then. Electricity was turned off as well. I forwarded the mail in case there was any bills. 

I never received a notice of any past due items from the apartment, as required by the Tax law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX page 20 ). 

I since then moved to XXXX  to work at the XXXX, and during telework I received a call ( on XXXX ) saying that I was in collections from National Credit system using a Florida number ( XXXX ) XXXX for an XXXX company. On the XX/XX/XXXX call after being told that they did not have to prove that the date was correct ( XXXX ) for the move out, I told the collections company to only contact me through the mail. They have since contacted me from the Florida As stated on the phone with XXXX XXXX on XX/XX/XXXX, I contest these charges. I gave notification on XXXX that I was moving out in 30 days. I actually turned in my keys on XX/XX/XXXX, before I had a job interview at XXXX. I paid rent completely through XX/XX/XXXX ( attachment 1 ). At that point all fees associated with normal day to day living ( for all previous months ) had been covered. 

The fees that are being charges are padded and I told XXXX XXXX on XXXX that. Case in point, On XX/XX/XXXX I received an email ( from XXXX XXXX ) saying I owed until XX/XX/XXXX, in which I responded back that I only owe 30 days since I was not under a lease. I also asked for a prorated cost of the 5 days and never received a response ( attachment XXXX ). I will not pay a late fee associated with this since the request for a prorated bill was requested beforehand. 

I dispute all charges, including charges such as a VCR. XX/XX/XXXX does coincide with the date I stopped electrical service. With the charge from XXXX stopping the Monday after I moved out, this does give evidence that the Landlord knew I was no longer residing at the residence and notice the electricity was in their name. Which they did not legally This bill has been padded and is not correct. As I told them on the call. I also submitted my contestation of the debt to the email account that they used. 

Besides the business trying to collect a debt they are not legally able to, I believe they are using deceptive practices ( numbers from outside of their state ), not allowing email communication even thought they verified the debt through email, and
Product: Credit reporting or other personal consumer reports

This is a continuation of my complaint regarding incorrect reporting from XXXX BANK. The account is closed, paid in full with a {$0.00} balance. This account must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied job after offer letter for XXXX. Background check was only supposed to go back 7 years ( per TX law ) BUT they reported the XXXX  from XXXX  citing FCRA is Federal and therefore supersedes... However FCRA also states a 7 year background check limit. I am a TX resident and the Employer is in Texas.
Product: Credit reporting or other personal consumer reports

I had credit inquiry from Barclays Bank Delaware and AMEX om XX/XX/2022, XX/XX/2022 respectively. I haven't done any credit inquiry from those banks. I had hard checks for those two which effected my credit score very badly
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX  that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to XXXX  when it was paid off XXXXXXXX XXXX  the acct is over XXXX XXXX XXXX since first day of being late but XXXX  and the credit burue will not remove the acct from my credit report.
Product: Debt collection

AFNI, INC HAS BEEN NOTIFIED. SEE ATTACHMENT I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items

: 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate AFNI, Inc has committed the following violations : Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Checking or savings account

Bank of America falsely accused me of altering a check and then closed my account and lied. They told me the company who wrote me the check confirmed that the check was altered. After speaking with the company they have informed me that no one from Bank of America contacted them and sent me a copy of the check saying it has not been altered. Bank of America has not sent them or me the {$120000.00} that they owe me. I want my money that I worked for Bank of America is crooked. I have all my correspondence from the company stating the check was not altered, they never spoke to Bank of America and they also have not received the funds either.
Product: Debt collection

I am XXXX, I was XXXX on the date of a first time doctor appointment. This greedy doctor has tried to charge me {$120.00} " no show '' fee. I 'm on medicare and there is no reason a repuptial professional should be alowed to charge a fee of this magnitude to a potential new patient. Then report that ill person as delinquent to credit bureaus, putting a black mark on there report.
Product: Debt collection

I am writing to urgently request the removal of fraudulent accounts from my credit report. These accounts were confirmed as fraudulent by the associated banks over the phone, as a result of proven identity theft. The banks have assured me that they will promptly remove these accounts from reporting. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was served paperwork for me to go to court for a medical debt. I immediately got ahold of Wakefield and Associates to try and setup monthly payment. We agreed on {$200.00} a month. So I made a payment for the next two months without any payment voucher or notice that I was paying my debt. I asked them repeatedly to send me a monthly bill and they have not been working on it. So I am not going to pay someone blindly without any proof that I am lowering my balance. I was mailing in money orders for over 2 months after the first payment voucher was received from them. I had to mail it to them with just a address and I was not sure if they were crediting my account. I stopped doing that and again asked for a payment voucher and they were not able to do that. They told me that I wouldnt have to go to court for the doctor bills. Now I have found out that they went to court without my knowledge and I have a judgment against me. They are very rude and they dont have a soul. I dont know what to do now. I paid {$600.00}.
Product: Checking or savings account

Fifth CFPB Complaint Wells Fargos Ongoing Regulation E Violations Complaint Reference Numbers for Accuracy & Accountability This complaint is directly associated with the previous complaints I have filed and should be referenced for accuracy and accountability : XXXX XXXX XXXX XXXX Overview of Latest Wells Fargo Errors On XX/XX/XXXX, I called Wells Fargo to inquire about the handling of my previously filed claims. During this call, I discovered a new issue that further demonstrates Wells Fargos continued mishandling of my dispute : Wells Fargo filed a claim on XX/XX/XXXX, for XXXX unauthorized transactions totaling {$2100.00} under account ending in XXXX. 
However, I never filed a claim for that account. My claim on that date was for account ending in XXXX, not XXXX. 

Despite this, the letter I received from Wells Fargo states that my claims were filed under account XXXX, which is false. 

This suggests that the unauthorized transactions have been incorrectly attributed to both accounts, or that Wells Fargo misfiled my dispute under the wrong account numberboth of which violate Regulation E.

Regulation E Violations & Wells Fargos Errors 1. Wells Fargo Investigated the Wrong Account The claims I filed were for account XXXX, yet Wells Fargo processed them under XXXX, an account I never disputed. 

Regulation E Violation : 12 CFR 1005.11 ( c ) ( 1 ) The bank must investigate the disputed transactions on the correct account as reported by the consumer. Investigating a completely different account is a failure to comply with this requirement.

2. Mishandling & Misrepresentation of My Claim The letter I received falsely states that my claims were for account XXXX. This is incorrect and misleading. 
The fact that transactions appear on both accounts raises serious concerns about data integrity, claim processing errors, and possible system failures at Wells Fargo. 
Regulation E Violation : 12 CFR 1005.11 ( b ) ( 1 ) ( i ) Financial institutions must provide accurate disclosuresregarding claims. Issuing a letter that falsely attributes claims to the wrong account is a misrepresentation of material facts.

3. Failure to Conduct a Proper Investigation Since my dispute was filed under the wrong account, Wells Fargos investigation was invalid and did not comply with Regulation Es reasonable investigation standard.

Regulation E Violation : 12 CFR 1005.11 ( d ) A bank must conduct a reasonable investigation. If the claim was never evaluated for the correct account, then no legitimate investigation took place.

4. Failure to Provide Provisional Credit Under Regulation E, if an investigation is not completed within 10 business days, the bank must issue provisional credit while the claim is reviewed.

Since the claim was processed under the wrong account, the investigation was fundamentally flawed and incompletemeaning provisional credit should have been issued for the correct account.

Regulation E Violation : 12 CFR 1005.11 ( c ) ( 2 ) ( i ) Provisional credit must be issued if the investigation is delayed or incomplete.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my credit history and financial well-being, and I am seeking your immediate assistance to rectify this matter. 

I discovered that my credit report issued by 3 Credit Bureaus contained multiple fraudulent entries that do not belong to me. These entries are adversely affecting my credit score and are a result of identity theft or unauthorized activities. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, causing significant damage to my financial standing. 

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assitance to remove the following fraud item in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.