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

I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XXXX XXXX, 2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a 30-Day Late Payment for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to XXXX. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Then, XXXX is reporting a 60-Day Late payment for the XXXX of XXXX, which is definitely inaccurate. Please remove this 30-Day late payment for the month of XXXX immediately on XXXX and XXXX, and the 60-Day Late payment for the month of XXXX on XXXX. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.
Product: Vehicle loan or lease

i received the XXXX statement in XXXX saying i owe {$210.00}. my normal payment is XXXX but since i been paying over and above the amount i m ahead, so i proceed to pay XXXX which more than cover what the statement says i owe. ( is what i do normally-i never pay the bare amount to get by ), so then after paying the XXXX i was given a statement that says i still owe another XXXX within the same billing cycle. i called several representative. they read me the entire payment history and says i still owe, because i had several deferments. a deferment meaning it's put to the end of the loan. but nope. i owe it. and 2 representative proceed to tell me that TOYOTA FIANCIAL DOES NOT SEND OUT ACCUATE STATEMENTS and i should check online or call in to find out what is actually due each month. so basically toyota found a loop hole, sending out false monthly billing statements, and if not careful you can be charged a late fee or reported as late on your credit. i also escalated my call to XXXX who promise to call me back, that was 2 weeks ago. never called. so now i would like CFPB to step in. as i will monitor closely all the statement toyota sends out and report this as i am told statements sent out by Toyota Financial are not accuarate. this may the the start of a class action lawsuit. please help not just to get a response but help investigate toyota financial 's lending practice ... thank you
Product: Mortgage

I filed a complaint # XXXX on XXXX/XXXX/2016 I got a reply from the back today they stated they called me on XXXX/XXXX/2016 yes Chase did call me only to request I go to the branch to prove who I am and after I did that they maybe I could get the insurance money. I did that on the XXXX I did not hear from Chase again until XXXX/XXXX/16 at that time I was told a decision on if I could get the funds I needed to repair my home would be made on XXXX and someone would be calling me. As of XXXX on XXXX no one from Chase has called. In the reply it states they are reviewing it and will made a decision within 60 days. I have a forbearance on the loan that ends on XXXX XXXX I need to start repairs now so I can get back in my home and not paying rent and be able to get caught up on the loan. Also the damage is water damage and with nothing being done it is causing mold to grow and now the mold is going to have to be removed. Chase is doing everything they can to prevent me from repairing my home is it their plan to delay this and delay this so they can foreclose on my home. What they are doing is so unfair and not right at all! I have done everything Chase as asked and I did it within an hour of when they requested. I call Chase and email Chase on a daily basis and Chase goes weeks without contacting me when Chase says they will do something it is not done. I need the money to repair my home what they are doing is wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, These Companies is Reporting Inaccurate information on my Consumer report.I asked these companies to provide me with validation of these alleged Accounts and they sent me copies of installment contracts. My right to privacy has been violated.

Pursuant to 15 U.S Code 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.

Pursuant to 15 U.S Code 1681 604 2 : It States a Consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Hello, on day XXXX XX/XX/XXXX company called Wise formerly known as Transferwise ( https : //wise.com/ ) closed my account for no reason. I have submited appeals and tried to solve with above mentioned company, but they refused to give me any insight or help regarding my account closure. 

I have used wise as a banking provider for my company XXXX XXXX XXXX, registred in Wyoming. 

I have been a user of wise since XXXX, never had issues with them, and in XXXX i started my business account for my USA company, everything was fine until XXXX XXXX, when my account was deactivated.
Product: Mortgage

After filing a complaint yesterday that US BANK will not do their part to allow me to make my payments again. Ive called twice a week for the past 5 months. 

First they lied about a flex modification. Now, they wont let me file for deferment. They have told me since XX/XX/XXXX to call back weekly so that I could file for deferment. 

Today, XX/XX/XXXX I called to see if the fraudulent flex modification was removed as I requested back on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Which was finally removed on XXXX. 

I was told on XX/XX/XXXX it would take 7 days. So what happened?? 

As of today I was just told that brocade I filed a complaint I would not be able to file for my deferment until XX/XX/XXXX. This is ludicrous and unethical practice. 

US BANK continues to hold my mortgage hostage while I have been begging to go back to making my payments. They are telling me I can not enter the deferment program until after my complaint closes on XX/XX/XXXX. How does this make sense? Im complaining this is taking too long and they drag it out further??? 

I was also told today that once they file the deferment on XX/XX/XXXX it will take two months before I can start making payments to enter the program. 

I began this process on XXXX of XXXX and planned to begin making payments again in XXXX. I even made a good faith payment and the lowered rate they laid to me about. 

How is it that I am begging and calling the bank twice a week to try and make my payments. 

Why will it take 2 more months for me to enter a three month program which I should have already completed it US bank account as doing their job. 

Does the FCPB provide legal counsel? Who can help me? My eights have been violated and this ban should be sued!!!!
Product: Debt collection

XXXX XXXX XXXX incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to XXXX by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and XXXX XXXX sold it to a credit collector. Upon notice from credit collector, I called XXXX XXXX, and spoke to XXXX XXXX, their XXXX, XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that XXXX for XXXX XXXX has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from XXXX representative verifying this, along with documentation and communication, over the last 3 years, with XXXX XXXX, credit bureaus and collection agency to no avail so far in correcting XXXX XXXX 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX, XXXX, and Experian for their failure to adequately investigate my disputes concerning inaccurate information in my credit reports. Despite my repeated submissions, these credit bureaus consistently respond within 24 hours asserting that the accounts are accurate, yet they do not provide any evidence of a comprehensive investigation. This behavior is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, the actions of XXXX, XXXX, and Experian may also breach the Consumer Financial Protection Act ( CFPB ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was recently emphasized in a CFPB administrative proceeding ( File No. XXXX ) against them for similar infractions. I urge the CFPB to take appropriate measures to ensure that XXXX, XXXX, and Experian comply with federal law and provide consumers with the necessary documentation of their investigations. The accounts in dispute are as follows : ( 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

Ive gotten a payday loan back in XXXX  and it was paid from a card I dont have anymore more, they was so rude and disrespectful and so unprofessional, they would call me everyday asking for it, Ive asked them to stop harassing me about it but they got real rude say I dont have job, that I dont care about my credit its probably XXXX like you, and say I dont know how to count and did I even go to school because its literally been 5 years Ive threatened me with me XXXX  XXXX  is unprofessional and theyre rude and disrespectful
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this complaint are : drivers license social security card address complaint letter screen shot of what I see You need to have this resolved once and for all as this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint against XXXX XXXX XXXX XXXX in regards to a XXXX XXXX collection account that was originally a XXXX XXXX credit card account. They have still failed to rectify the issues I have raised about this account. I have had several issues in attempting to contact them for information about this " debt '' and in getting proper original account verification. I even tried to contact them just to settle it in order to get it taken care of and over with. I contacted XXXX XXXX and they told me they were not servicing the account. I do n't understand why they can not assist me with the account or say they are not servicing it but they are the ones still reporting this to the credit bureaus. I have disputed this and failed to have it removed. They have failed to proactively respond to my concerns and complaints and they have failed to report my disputes expressed to them directly to the credit reporting agencies. Is this not a violation of FCRA 623 ( a ) ( 3 )? Not only that, but it appears that XXXX XXXX has re-aged my account in an attempt to further harm my credit and continue past the statute of limitations to collect this " debt ''.
Product: Checking or savings account

I was XXXX on XX/XX/XXXX a couple weeks later fraud was committed no my account I had over {$10000.00} that was stolen out of my account.. the bank stated that because I did not get out of XXXX  until XX/XX/XXXX that they could not give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$23.00}, XXXX XXXX XXXXXXXX Balance : {$25.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance XXXX {$0.00},
Product: Credit reporting

Equifax will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX were not properly investigated when I submitted a dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made a ACH deposit on my Binance.US account of {$200.00} that was chargebacked, I thought it was my fault but it wasnt because I had funds in my account I even called my bank to check and they informed me it was not there fault. Still i settled the dispute by making a debit card cash deposit of {$230.00} on XX/XX/2021 to cover the chargeback. I have contacted Binance US multiple times since then asking for for my trading to being enabled but I have not gotten a reply, instead just 2 weeks ago I tried to log into my account and when I did I got a notice that my account has been locked!!! I have tried to contact them but I have not gotten any replys. I Payed back the money that was charged back I dont understand why they have locked me out please help
Product: Student loan

Per the new Navient Bankruptcy Settlement, Navient must refund any funds collected post XXXX XXXX  on Private Student Loans. 

The " Private student Loans '' were included and you received notice for the meeting of the Creditors back in XXXX. 

The 2 Private Loans were Predatory. The loan amount for a non-certified degree for which I was misled by the school, Amounted to XXXX ( variable interest pd {$6500.00} ) and XXXX ( variable interest pd $ {$13000.00} ) respectively. The cost of the loans was {$14000.00} of which almost XXXX was refunded to the school. The total cost you billed me post XXXX XXXX  was $ ( XXXX + [ accrued interest - ( XXXX ) = XXXX ( accrued interest fees ) ] TOTAL = {$33.00}, XXXX more than double the amount initially borrowed. Furthermore, NO fees should have been collected post my XXXX XXXX Discharge as I was still recovering from my double mastectomy where I had to have about XXXX XXXX due to them finding more XXXX after initial XXXX possibly due to all the stress you were causing me that affected my health negatively. 


I ended up paying almost the interest as mentioned was exorbitant. 
The magistrate knew this was a hardship as I had recently recovered from XXXX XXXX XXXX starting XXXX and ending in XXXX. I had numerous medical bills that were not covered/authorized by my insurance and this is why I had to file for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Product: Credit reporting

I used XXXX to request my XXXX free credit reports online. XXXX and XXXX provided the requested credit reports immediately. Given the same information, Experian 's response was " We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. " Eight days later I tried again to get just the Experian credit report on annualcreditreport.com and received exactly the same response. Attempts to use the Experian phone menus were unproductive and frustrating and at no time was I offered the opportunity to speak with a human to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX Dear XXXX XXXX Department, I am writing to dispute incorrect personal information that is currently listed on my credit report. Please investigate and correct the following inaccuracies : XXXX. Address Information : XXXX XXXX XXXX, XXXX, SC XXXX This address is incorrect and should be removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, SC This address is incorrect and should be removed from my credit report. 

I do not reside at these addresses, nor have I ever lived there. Please ensure these are deleted from my file. 

XXXX. XXXX XXXX : XXXX XXXX This employer is incorrect and should be removed. 

XXXX This employer is incorrect and should be removed. 


Experian Dear Experian Dispute Department, I am writing to formally dispute incorrect personal information listed on my credit report. I request that you investigate and remove the following inaccuracies : XXXX. Name : XXXX XXXX This name is incorrect. Please remove this variation from my file. My full legal name is XXXX XXXX XXXX. 

XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address. Please remove it from my report. 

XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address. Please remove it from my report. 

XXXX. XXXX XXXX : XXXX This is incorrect and should be removed from my file. 

XXXX This employer is incorrect and should be removed from my report. 


XXXX Dear XXXX XXXX Department, I am writing to dispute incorrect personal information listed on my credit report. Please investigate and remove the following inaccuracies : XXXX. Names Reported : XXXX XXXX XXXX This is also incorrect and should be removed immediately. 

XXXX. XXXX XXXX : XXXX XXXX I have never worked for this company. Please remove it from my report. 

XXXX This is not a correct employer and should be removed. 

XXXX XXXX This employer is incorrect and must be removed. 

XXXX. Addresses Reported : The following addresses are incorrect, and I request their removal from my file : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Product: Debt collection

XXXX XXXX he has changed company name twice since Ive spoken with him. He has got in contact with me about a debt. But on days he can not contact me hes called my relatives and has gave them information where I work. My addresses and phone numbers. XXXX.
Product: Mortgage

I have been denied several times by Wells Fargo with no explanation. They just say based on their numbers, that I am denied. It does n't matter what I tell them my income is, or my property value, they just use whatever numbers they feel like. I have been speaking to a housing counselor and according to their system, I should be well qualified for a HAMPtier2 or HAMP Streamlined modification. It just seems like I am not being throughly reviewed and just denied. I have a very high interest rate at 6.5 % and my home is worth about {$420000.00} according to my local realtor. If my rate is lowered to the market rate, I do not see my mortgage payment becoming a problem EVER again. I am just asking for help to get caught up because my business slowed down a couple of years ago. I keep getting assigned to the same people who are not taking the time to review my individual situation properly, and seeing that if I just get help catching up, I should not have a problem falling behind again. Please help. I give my full authorization to XXXX XXXX, XXXX XXXX and XXXX XXXX to recieve information on my behalf.
Product: Payday loan

I know I owe the account for XXXX XXXX which is a payday loan, it is now in collections which National Credit Adjusters are calling me, they are being rude, not allowing me to answer the questions that they are asking and they are talking over me, I do not want to send them anything if I am feeling intimidated, manipulated, every time I ask to speak with an individual I spoke with person they indicate he is not available.