23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint with CFPB and here is the original complaint. " I received a letter dated XX/XX/2023. From a debt collector. Waypoint resources It says I have a debt from XXXX XXXX. This is false. I called them Waypoint resources on XX/XX/XXXX and stated that. They proceeded to not let me speak and in the letter it said quote ''. Call or write us by XX/XX/2023 to dispute all or part of this debt. If you do not, we will assume this is your debt ''. I forcefully stated this was not my debt but the lady kept interrupting me and would not let me speak until I had to just talk over her and told her to record this. It did not say just to mail it but also I could call. They reported it to the all 3 credit bureau and now it's on my credit record. I also told them to never call me again about this matter. They have repeating called my work phone and personal phone now. Here is the information. reference number XXXX account number. for waypoint. XXXX The said debt amount is {$220.00}. which is not mine nor do I claim it. Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is the address not he letter. However the address on the credit report is Is out of Texas. Please make note of both. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is their response " Hello, Thank you for providing the details in regards to your complaint and dispute with XXXX. We have removed all phone numbers from your account and will cease communication. Credit Bureaus were updated and withdrawn XX/XX/2023. To validate the removal we recommend visiting XXXX, XXXX, or XXXX. At times third party sites could reflect invalid information. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' They responded to the complaint but they have not removed this off of my credit report from XXXX, XXXX or XXXX. As of this morning it is still there. I need for them to remove them as they said they did. They are not being truthful! They are affecting my credit at a time we are needing to get credit. This is unacceptable! Please hold them accountable. Here is the original XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance one of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me XXXX years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called Equifax today and spoke with XXXX and he could not even explain what that means to me. I dont understand these XXXX factors. I have an XXXX credit score, but I have XXXX negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you XXXX XXXX
Product: Student loan

I was duped into getting a spousal consolidation loan. I was told that my wife and I could combine our federal student loans into one and save some money. I was NOT informed on how that would strip away all the benefits of the federal loans they used to be. I have discussed many issues with this loan with the 3 entities that supposedly own this loan ; PHEAA, AES, and now XXXX. I was denied many times the same forgiveness program that others have gotten to enjoy which is the teacher forgiveness program and government employee forgiveness program. When dealing with PHEAA and especially AES their customer service reps are RUDE and hateful. I recently went on my AES website because I was concerned that after 20 years of paying on this loan, the balance has barely dropped!! The amount I have paid in total on this loan is almost {$120000.00}!! ( see screenshot of my account ) The original amount of the loan was {$28000.00} if I remember correctly. It is now {$32000.00} even though I have been paying {$350.00} /mo for the last 9 years. I am sick and tired of this. I have paid MORE THAN ENOUGH on this loan and it needs to end!!
Product: Money transfer, virtual currency, or money service

I disputed a transaction with XXXX  because the merchant did not refund my money as promised for an order that wasnt recieved. Ive contacted and spoke with XXXX multiple times, have still not received an email back from them on why the dispute has been extended longer, no provisional credit has been given and was supposed to be when it surpassed the 10 day investigation mark, and was not given and still hasnt been. Ive provided XXXX plenty of proof of the merchants admitting they didnt deliver my order, and that they have been dishonest and uncooperative, and the merchant still has not responded to XXXX XXXX I contacted the company directly to keep getting excuses and forwarded to a voicemail box that isnt accepting new messages. Ive contacted XXXX customer service multiple times, and have asked for an update, and explanation as to why I havent gotten a provisional credit that I am entitled to, based on XXXX  terms and conditions and through consumer protections regulation E rule. I still have gotten no resolve, no provisional credit, and no update from XXXX. Ive reached out through live chat and emailed them several times. No response. This is unacceptable and breaks the user rights under terms and conditions. I want what is due and fair!
Product: Vehicle loan or lease

To whom it may concern, My monthly note with Wells Fargo was set at {$630.00}. I paid Wells Fargo 4 payments {$2500.00} in advance in XXXX and wanted that money to go toward my principle note, instead Wells Fargo put that money toward my next 4 payments. I was was told I didn't owe a payment for the next 4 months, so I didn't make a payment for the next 4 months. I've been paying {$670.00} - {$700.00} every month since I purchased the vehicle. I received a letter stating that Wells Fargo had reversed my payment and put it toward the principal note and that I was 4 months behind on my payments. I then began receiving calls that my vehicle was up for repossession. I called Wells Fargo several times and asked them what does " reversing my payment '' mean. I never got a explanation. Tuesday XX/XX/XXXX I went outside to go to work and my truck was my gone. I called Wells Fargo and was treated like a criminal. They took my truck. I've been researching Wells Fargo 's history and found that in XXXX they were found guilty of several repo 's that shouldn't have taken place. 
Please help me ASAP. I'm not a bad guy!! 
Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 



15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 



15 U.S.C 1681 s-2 ( A ) ( XXXX ) 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. 

XXXX XXXX- account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Experian and XXXX. XXXX mailed a prove of identity, for th4 name XXXX XXXX XXXX. I am XXXX XXXX no middle initial, I don't have a XXXX for middle initial. I received dispute results from Experian with information that I have no knowledge of, that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately XXXX XXXX Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately
Product: Checking or savings account

I opened a truist business checking account for a promotional offer last year. A debit card was never sent and I could not access my account via online or in person. When I went to the bank they told me there was an error with the account because it was set up online ( there was no apparent error while signing up ). 

Additionally I was charged for a maintenance fee {$3.00} a month in which the account disclosures states that it is fee free when a certain deposit is made. 

I escalated in branch in which I was informed the fee was not refundable and still dont have access to my account.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security XXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX XXXXXXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian, XXXX, and XXXX the opportunity to make this matter right by way of the following XXXX needs to remove the bankruptcy like experian, XXXX, and XXXX did. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX AccounXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reference XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that you won't ignore my request to correct the following items in my file ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with Experian because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Experian is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with Experian is I sent a letter to Experian On XX/XX/XXXX22 and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. Experian claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to Experian To let them know these accounts not mine XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, XXXX XXXX and XXXX XXXX ignoring me. 

I sent another letter on XX/XX/XXXX22 to Experian asking them to remove these accounts from my credit report and they still ignored my request. 

XX/XX/XXXX2022 I contacted XXXX XXXX, XXXX XXXX and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. 

ON XXXX XXXX, 2022 I wrote another lettre to experian letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. 

4 letters sent to these companies and nothing done to resolvee
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance Corporation has reported my loan as discharged via bankruptcy XXXX. 
The loan was never part of bankruptcy. I paid my loan as agreed in full XX/XX/XXXX. 
I have disputed it more than once. 
I sent a certified letter to Nissan Motor Acceptance Corporation requesting that they fix the credit reporting. 
I have documentation that I paid it in full in accordance with my loan agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX this account was never late. however it is reporting on equifax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 120 days late. it is also commenting all on 3 credit reports incorrect comments. we have asked they verify this information and have not done so. after multiple attempts we are using CFPB before filing suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to XXXX and Experian and they have not updated XXXX  since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this email finds you doing well. I am contacting about the forementioned company as I am going through the same issue as " XXXX vs. Santander Consumer ''. with my credit report being inaccurate and the damages it's placed upon my life!! 

In XXXX of 2017, I went to XXXX XXXX and purchased a new XXXX XXXX. During XXXX, I had some payment issues and contacted their executive office for assistance... never received a response from them at all and about XX/XX/XXXX at about XXXX, they repossessed my vehicle, they sent me a bill of sale where they received {$6000.00} for the vehicle ... after reviewing my payments on my credit report, I've paid them {$11000.00}, adding the sale to that comes to {$17000.00}. Initial cost, {$17000.00}. 

They are not counting what I paid to them and have placed on my report that I owe them over {$12000.00}... it's false and it continues to cost me financially, XXXX XXXX and physically every day!! After having my strokes mobility has now become a struggle. I've disputed this time and time again to no avail. I contacted IL Attorney General and presented my case to him. His recommendation was to seek legal representation as this issue must be addressed. I have attached all of my documents to you... please help me. 

( I HAVE ALL OF THIS DOCUMENTATION ) XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX on XX/XX/XXXX my 2019 XXXX XXXX XXXX was repossessed I call Chrysler Capital the finance company who have the account I was told that I would have to pay the hold balance out to retain my vehicle. In 2019 I had XXXX XXXX XXXX and have had a lot of complications from the XXXX. That is how I got behind in my payments My wife was also out of work do to the pandemic I have tried to reach out to Chrysler Capital but they continue to tell me I have to pay out the entire balance due and that it had to pay by XXXX XXXXThis is the first time this vehicle have been repossessed if you can help please call me at ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau, has a lot of incorrect address information listed on my report, including multiple incorrect addresses, which lists address information for when A. ) I was in a XXXX XXXX XXXX in XXXX, TN. ( Standifer Gap address ) B. ) Addresses I lived at temporarily before being sentenced to adult XXXX  XXXX XXXX Equifax also has an incorrect spelling of my name, my name does not include an " XXXX '' in it. 
I've contacted Equifax once and attempted to repair the information to no avail. 
I wish to mention that, I am not aware of any statute in which a XXXX, or a XXXX XXXX XXXX  is granted any credit reporting or any form of line of credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My card had unauthorized charges. Im in the military my phone was also compromised. Navy federal gave credits and took them. They are so unfair they never fight for me fdic insured and small amounts. They always charge me back. I want my money back asap.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX FST 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: Debt collection

On Friday XX/XX/2020 I called Asset Care to dispute a debt because it appears as though there was a mistake made by the original creditor and it is currently being collected on by two different collection companies. The second collection company advised that I dispute both accounts so that both of the companies and I are able to get all of the information regarding the services so that I can get everything straightened out. On Tuesday XX/XX/2020 at XXXX XXXX Pacific Time, XXXX from Asset Care called me, early in the call I advised her that my account should be in dispute due to the situation. She advised me that the account had been disputed but she wanted to check on it. She then advised me that the account is due to start showing on my credit so it is her goal to get it taken care of. This is unfair to me for two reasons, 1. I don't know which company has the correct account and 2. I should not be receiving phone calls to collect on a debt that is dispute status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset Management, a collection agency for XXXX XXXX is reporting a debt on my credit report for a credit card that I never used, applied for, nor have no knowledge of. Ive tried disputing it on my credit report but they report that the debt is accurate. I also tried calling the collection agency and they have basically told me to jump through hoops to get it removed. This is very stressful. I just want the debt removed. I dont have a credit card with their company.
Product: Checking or savings account

On Monday XX/XX/XXXX my account was overdrawn by {$21.00}. I did not have the funds to cover this amount, so I anticipated an over draft fee for the transaction that caused this initial overdraw. 

On Wednesday XX/XX/XXXX my account was charged two additional {$34.00} overdraft fees. My account is now overdrawn by {$160.00} in part due to {$100.00} in fees from the bank. Seeing that I did not have the funds for the initial overdraw, it is an unreasonable policy that the bank would further overdraw my account. 

When asked about any full or partial relief from the fees, my request was denied because my account was " ineligible for any further insufficient fund reversals ''.
Product: Credit card or prepaid card

During my marriage from XXXX, my ex-wife added me to her credit card with Navy Federal and maxed out the card without my knowledge. She also go another credit card in my name with the company and a personal loan as well. I am not able to I owe almost XXXX dollars due to her misuse of my personal information and funds. I would like this solved with navy federal so that I may do business with them in the future and open an account. I am now divorced and this was not my fault. I am not able to contact my ex. She was violent at times and I have no contact with her. 

I am a XXXX veteran and unable to pay the amount that was charged. Due to this, I am not able to do business with this credit union. I was a longstanding customer with this bank and I can't even get a bank account with them due to this situation. 

Please help me resolve this with Navy federal credit union. Thank you.