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

Equifax, XXXX and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.
Product: Student loan

I have been trying to get my loans on an income driven plan. I have FedLoan Servicing. They are a horrible student loan servicing company. I was particularly interested in the REPAYE plan. I was told that my old loans and my new loans would get on this plan. 
I tried before and they stated that I have to make one " standard ' '' payment before I can go on the plan. 
They never notified when the payment was due and I missed the payment. 
I tried again. This time I was told the standard payment would be due " in XXXX ''. I never got a notice but I saw my payments were due XXXX XXXX. I paid them XXXX XXXX. I sent an email confirming that and stating I should then qualify for reduced payment. They responded with a rejection letter. I have no idea why. The letter claims I was 15 days late. Its the XXXX of the month I do n't know how that is possible! 
I believe they want folks to go into forbearance so that the debt increases. 
Please SHUT THEM DOWN! 
XXXX
Product: Vehicle loan or lease

I purchase a XXXX ( XXXX ) Honda XXXX XXXX from Honda of XXXX. The salesman ( dealer ) did not tells or explain to me that the XXXX ( XXXX ) Honda XXXX XXXX was an Lease. I have been paying my car payment from XX/XX/XXXX through XX/XX/XXXX. I have not miss any payment on the XXXX Honda XXXX XXXX. I have been HARASSED FOR XXXX AND HALF YEARS to TRADE IN for new CAR or to RETURN IT IN. On XX/XX/XXXX my XXXX Honda XXXX XXXX was toll by the repossessed. I did not receive a letter from Honda of XXXX that my car was going to be repossessed. 

I am a XXXX and I am XXXX. XXXX of XXXX has a BAD REPUTATION RED LINING XXXX PEOPLE WHEN COMES PURCHASING A NEW VEHICLE AND USE VEHICLE. 

I hope you can help with this problems. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$4900.00} To whom it may concern, Your company is currently reporting an eviction on my credit report. It needs to be deleted because this account is UNVERIFIED and I am a victim of IDENTITY THEFT. I took the liberty to go to XXXX, experian and they have deleted the eviction from their records due to IDENTITY THEFT i have proof of a person forging my signature attached to this document. 
You have 30days from the date of this letter to delete this account if you can not produce DOCUMENTS of this account being accurate. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on this eviction which is preventing me from getting residence. 
Please understand I am fully prepared to file an offical complaint with the CFPB, XXXX, and the Attorney General if you do not abide by the FCRA and FDCPA regulations. 
Best Regards XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello Sir.Ma. 

i was having issue with my card. and account ... i had an accident whereby i loss my phone and wallet and every other inportant information for couple of months so i couldnt remnber my security question or be able to access my account and there is money in it ... what actually happened was that my account was on XXXX  balance and the card was closed ..and when i newly reply i started getting paid on the card but couldnt have access to card or account ...
Product: Credit card

This morning starting at XXXX XXXX on XX/XX/scrub>XXXX XXXX i have tried at least XXXX different times to make a payment on my credit card. All three times I have been with absolute abuse and verbal degradation from at least two employees who have refused to give me there I'd numbers to list them directly. I did however get there names. XXXX. Probably not spelling it correctly and XXXX at second level support. They were so very rude and nasty. I was just hung up again for the 4th time this morning while attempting to write a complaint report and make my payment. I have been on the phone now for over an hour. I have XXXX XXXX XXXX XXXX  and now I have double up on my meds again. Please pull the phone calls and listen to them. I in no way was being difficult or rude. This is tryanny and abuse. Some one please help me. I'm getting late fees after late fee and being refused the right to pay my bills.
Product: Vehicle loan or lease

TD Auto Finance was the company financing my XXXXXXXX XXXX I lost my job and this situation made me request an extension on my monthly vehicle payment, I was asked to pay a finance fee the extension that I got approved was for 3 months, I paid the interest and I was in a good place, this extension was never applied to my account and continuously called me, my account was showing past due for 3 months, I didn't have another option than borrow the money and paid off the vehicle, TD Finance promised to correct the mistake but as of today they never did, because of their incompetent my credit drop several points.
Product: Credit reporting, credit repair services, or other personal consumer reports

first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from capital one to XXXX XXXX to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from capital one to XXXX XXXX.
Product: Checking or savings account

Someone stole my card and made charges on my account that I did not make. I have off of at the time of these charges and dates I was at work and did not make these charges
Product: Credit reporting or other personal consumer reports

The techniques used to report a missed payment were not ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30  DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo for their failure to comply with federal regulations concerning the extended hold placed on my account funds. Despite multiple attempts to resolve the issue with the bank, they have failed to provide a reasonable timeframe for resolution, and they continue to ask for more time to complete their investigation, which has already exceeded **six months**. This is well beyond what is considered reasonable under applicable federal regulations, specifically the **Expedited Funds Availability Act ( EFAA ) ** and **Regulation CC**.

# # # Details of the Issue : Wells Fargo has been investigating an issue with my account for over **six months**, far exceeding the allowable timeframe for holding my funds while conducting an investigation. Despite repeated requests, the bank has not provided a clear or reasonable explanation for the prolonged hold and has refused to commit to a specific timeframe for resolving the issue. I have been informed that the investigation will only be closed " when the bank feels comfortable, '' which is vague and non-compliant with regulatory standards. 

This conduct violates the following regulations : 1. **Fraud Investigations** : Under **Regulation CC**, fraud investigations should be resolved within **45-90 days**. If additional time is needed, the bank is required to provide provisional credit to the account holder. Wells Fargo has exceeded this 90-day period and continues to request more time without offering provisional credit or providing adequate updates, which is unreasonable according to EFAA guidelines . 

2. **General Holds ( for Compliance or Legal Issues ) ** : Wells Fargo has not properly notified me of the specific reason for the hold or the legal basis for continuing to withhold my funds. They have now held my funds for over six months, causing significant financial hardship, and their ongoing requests for more time without resolution are unjustified.

# # # Regulatory Violations : - Wells Fargo has failed to resolve the investigation within the 90-day maximum limit outlined by **Regulation CC** for fraud-related matters.

- They have not provided provisional credit to my account as required when investigations extend beyond the regulatory timeframe. - The bank has failed to communica
te clearly about the reasons for the extended hold or provide a legally compliant resolution timeline.

# # # Impact : This indefinite hold on my funds has resulted in serious financial hardship, as I have been unable to access my own money for over six months. Wells Fargo 's continued delays and refusal to comply with federal guidelines have left me with no choice but to escalate the matter.
Product: Mortgage

My loan, currently with Wells Fargo, was originated in XX/XX/XXXX, with my late husband. After his death, I made a large principal paydown, and continued to make biweekly payments as timely as possible despite the decline in income. I never let the payments fall more that 30 days delinquent sine XX/XX/XXXX. 
I had to make the decision to move due to my son 's medical condition, in order to move closer to family and create a support system, as of XX/XX/XXXX. The work I had completed to make repairs to the home required me to cash out my XXXX, yet I still kept current. 
I left the property to move to Georgia, but still kept current with my payments up to that point. The utilities are still active, a security system is still engaged, and the local police have been contacted to provide a " passing attention ''. 
Despite this, my realtor showed up at the property on XX/XX/XXXX to find a vacancy and pending property securing notice on my door, as if I were in default. This was an *MASSIVE ERROR* since my last payment was due on XX/XX/XXXX. 
This clarified why I received several cancellation notices for property viewing in the one week that passed since moving. Any prospective buyers would be either scared off or willing to wait out a foreclosure in order to possibly purchase the home at a lower cost. 
I worked for XXXX XXXX for 13 years. I am well aware of how damaging a hint of Foreclose action can be for a home sale. When I called Wells Fargo to question why this notice was posted, none of the representatives could explain why. 
I would like an investigation into this matter. This error may have cost me the prospect for multiple interested buyers. Instead of having a number of prospects, I am whittled down to very few, and it has prevented a speedy resolution. My son 's illness has required that I resign from my 13 year long position in order to tend to his medical and educational needs. My income is now limited, so I will not be able to afford the mortgage.
Product: Checking or savings account

Since XXXX to XXXX, Navy Federal CU has assessed {$3100.00} in fees for Overdraft, Return Item Fees ( NSF ).
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018, I called my servicer to find payment options for my loan only for the month of XXXX since I was having financial difficulties during this month. The person on the line suggested a forbearance. I asked many many times that I wanted to make sure this type of option will not affect my credit since I have been working for a year to repair my credit. The loan customer service person assured me that it will NOT affect my credit. He submitted the forbearance form. Within a week I get an alert from XXXX informing me that my credit went down 22 points due to my lender reporting a change of total balance from {$300000.00} to {$330000.00}. I called my lender on XX/XX/2018 right away and explained that the previous consumer service operator from their office had giving me wrong information about the forbearance. I told him that I wanted to reverse my forbearance. He said he would do it and that I only had to make my loan payments which I did, I made a payment of {$180.00}. I asked him again if this would solve the problem and he said yes, that I would just have to wait two weeks before my lender reports the original balance of XXXX to the credit bureau. He assured me that my loan interest was not going to be capitalize. But then I receive a letter that my loan is going to get capitalize at the end of the month due to the forbearance. I called the lender again and explain the situation once again, but this time I asked to speak to a supervisor. I was on the phone with her for about an hour. Again, she assured me that my loan 's interest was not going to get capitalized because they reversed the forbearance and the balance they were going to report to the credit bureau was {$300000.00}. She told me it could take from 30 to 90 days for them to report this to the credit agencies. She then suggested for me to call the credit agencies so the change could be done faster. I then call XXXX  at the beginning of XX/XX/2018 and open a dispute with them about this issue. I was sure the problem was going to end here, since my lender assured me that it was a matter of time of reporting my original balance and that my interest was not going to get capitalized due to this error. I just received the dispute results ( XX/XX/2018 ) and my lender is reporting an original balance of {$330000.00} and disagrees with my dispute. I am very frustrated about this whole ordeal since I have been back and forth with my lender with this issue since XX/XX/2018 and I still have this major problem of having a derogatory credit rating due to their negligence about giving me wrong information about the forbearance not affecting my credit and them not informing me that through the forbearance my loan 's interest will be capitalize, thus increasing my original balance and in this way reporting it to the credit agencies thus decreasing my credit by 22 points. I would really ask for your help on this important matter.
Product: Credit reporting or other personal consumer reports

I have discovered fraudulent hard inquiries on my credit report, which were not authorized by me. I formally request the deletion of the fraudulent hard inquiries from my credit report. The inquiries are 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 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 card or prepaid card

On XX/XX/2020, I received an unauthorized charge on my 5/3 credit card. I immediately contacted 5/3 bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}. 
On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received from the thief, through XXXX XXXX, consisted of a fake business name, fake business phone number with an area code that does not exist, and a fake business Email address that is from a known spam Email server ( XXXX ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX  tracking confirmation order that did not contain my name or address. 
Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX  directly and inquired about the transaction number on the XXXX  screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from XXXX XXXX, but from XXXX, by a Mr. XXXX XXXX. 
5/3 repeatedly presents fraudulent information received by a thief for the reason I am responsible for this unauthorized transaction. As 5/3 is currently being reprimanded by the FTC for opening fake accounts to deposit money stolen from their customers, their fraudulent activity is  nothing new. 
I, on the other hand, have more than six credit cards with XXXX   balances on any of them. 
I had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. 5/3 went against the FTC by not adding a comment to the delinquency notice that I disagreed with the fraudulent charge. 5/3 broke their written contract to me by sending information to the credit bureau while ongoing investigations were taking place. They also went against FTC guidelines by not completing the investigation in 90 days. They went against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction, when I presented to them 100 % proof the transaction was fraudulent. And 5/3 committed fraud themselves by presenting false documents to any and all credit watchdogs made aware of this matter.

I supplied 5/3with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have also submitted this proof, along with police reports to those to whom it may concern, as 5/3 is only interested in submitting KNOWN fraudulent documents and breaking contracts in order to stay afloat for a few brief moments before their illegal business practices force them to close. They sealed their fate with their illegal actions. My only mistake was dealing with the thieves and liars that make up 5/3 bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what I sent Transunion I have attempted, without success, to communication with your corporate office regarding how your business practice is affecting my life and my health. 

I find it unprofessional your company does not allow front line workers to provide next course of action when one has a concern. 

Your company does not have a breeze way to correct problems and concerns. Also your credit evaluation is punitive to customers when they have an excellent payment history but chooses or needs to utilize their credit. 

I find it repulsive you damage the life of so many with your business practice surrounding your method of determining a person 's creditworthiness. 

One of my creditors is XXXX. They changed their agreement with there current financing partner ending our account. But they opened all of us in good standing a new account. 

You guys dropped my credit score XXXX points because of this company 's business decision which none of us has control of. It is unfair and injurious. 

I contacted you previously regarding XXXX XXXX running my credit erroneously causing a drop in my credit. You told me to contact them which I did. They told me I had to dispute it on your side. Once you sent the dispute to them they would correct it. I was not able to dispute it online, so it never got fixed even though I asked for help. Another drop in my credit score. 

Your creditworthiness evaluations are ludicrous and it hurts people. I tried disputing this concern online as well. As the dispute advances it requires entering your log-in information again. I did try multiple times but it kept failing indicating my information was incorrect, yet I was logged in to your website. How does that work? Is that a glitch or intentional? It has happened to me every time. 

A person 's creditworthiness decades ago was determined if one paid their bills on time. Today, you are using outrageous formulations. 

This is affecting my life and my health. I applied for credit with many companies in the event I needed it or chose to use it. It is ridiculous someone can not use that credit for fear of it affecting their credit score. 

I look forward to your response. We all need you to fix this. I am not alone! 

So many people lost jobs, homes and love ones due to COVID. Now COVID is on the rise again with two new variants. Many people need to use their credit because of the loss of their job or having lost financial support to death or XXXX of a family member, etc.. 

Many of us have been affected. I hope we can discuss this issue and reach resolutions. If not I will be forced to use other remedies. 

Thank you for your time. 

Respectfully Due to my XXXX only contact me via email or phone. I am requesting this under the American with Disabilities Act. I do not go to the mail box. Thank you.
Product: Bank account or service

My paypal account was closed and I am still waiting to receive my funds back.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, has violated my rights. 
( 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 1692 b ( 2 ) not state that such consumer owes any debt.

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.