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

XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
Capital OneXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 
Capital OneXXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, XXXX and XXXX credit profile and being reported to credit services who profit of old information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN ; THIS LETTER IS A FORMAL COMPLAINT THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF ORIGINALLY SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 


DUE TO THE COVID-19 THE CREDITOR STATES ON THEIR WEBSITE THAT FORD CREDIT IS OFFERING PAYMENT PLANS PUTTING PAYMENTS ON THE BACKEND OF THE TERM LOAN UNTIL THE COVID PERMITS NON ESSENTIAL WORKERS TO RESUME WORKING I HAVE DOCUMENTATION & TO PROVE SO RESPECTFULLY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to correct the wrong city they have listed on my credit report. I 've called and spoken with them endlessly and they always promise to correct it but they never do. I 've also provided them, via USPS mail, with all the copies of supportive documentation or ids, they requested from me and still nothing has been done or corrected on their end.
The craziest thing here is that whenever Experian mails me any correspondence, they always mail it to me, using the correct city ( XXXX XXXX ), I live in but on the actual updated credit report they mail me my personal address always contains the wrong city ( XXXX ). Please refer to the 10 included attachments. Lol, XXXX, Lol!!!!
Experian is unprofessionally failing me here by not keeping my credit file completely, correctly, properly and accurately updated!!!!
XXXX XXXX, is the correct city, I live in.
XXXX, is the incorrect city, I live in.
Product: Vehicle loan or lease

I have an auto loan with US Bank. In 2019 I filed for bankruptcy and re-affirmed the loan. When the bankruptcy was complete in XX/XX/2019 US Bank stopped reporting to any of the XXXX XXXX XXXX. I am trying to refinance this loan to reduce payments and I can not because nothing is showing that I even have an auto loan. I need a way to show that I have been making all of my payments on time and I am in good standing.
Product: Student loan

I can not get information from Mohela regarding whether and when they will apply an administrative forbearance with the {$5.00} minimum payment which is eligible for PSLF while my XXXX application is processing. I submitted an application to switch to the XXXX repayment plan via StudentAid.gov and also submitted my tax return separately through Mohela.com. Both these documents show as submitted, received, and processing. I called on Tuesday, XX/XX/2024 and was on the phone for hours and an agent said she could put me on a separate type of forbearance which would likely not be eligible for XXXX, which I refused.
Product: Mortgage

I applied for a mortgage with Wells Fargo which was the preferred lender of the builder through which we are purchasing our new home. I have been told by the agent that the loan should be processed in two weeks from starting the process. I have always been very diligent about providing the required information and documentation. Almost six weeks later the underwater does not want to approve the mortgage because of some 'rules that are at his/her latitude '. I don't even know and haven't been told what the rules are, it could be that the underwriter is simply XXXX  or XXXX. They won't process the loan unless I sell my current residence, although the debt to income ratio is verified during the application and it is below the 43 % limit. The bank is very opaque to why they are asking for this new requirement and is asking us to provide a listing agreement weeks after we submitted them the required documentation. Essentially by dragging the process Wells Fargo is preventing us from purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.
Product: Checking or savings account

XXXX XXXX I got charged for two separate bills from my XXXX  XXXX payments to my chase checkings account and for both I had to end up paying XXXX $ to overdraft even tho my account was negative it was only so for a day. XX/XX/XXXX at end of night around XXXX pm I deposited XXXX XXXX For a day I couldnt pay my charges and then the XXXX $ overdraft fee is a lot. I usually have. Some money flowing into account. Please help me restore those charges.
Product: Mortgage

To whom it may concern, My income was reduced and I was having trouble making my mortgage payment so I contacted my Lender ( Seterus ) XX/XX/XXXX. I soon found out it was to be the worst customer service I have ever experienced. They were/are flat out rude, arrogant and very unprofessional. 
I was only trying to do the right thing and contact them to let them know my situation and to ask for assistance, and they flat out told me we were going to lose out house and there was no hope for us. Please see attached fax coversheet information dated XX/XX/XXXX when I originally sent in our request for assistance. 
I filed out and sent over all the correct mortgage assistance paperwork and Seterus confirmed they received it, but when we called to inquire about the status the representative was outright rude. 
I insisted on speaking with a Manager and then XXXX come on the line ( XX/XX/XXXX on or about XXXX ), I soon became aware this was obviously not the right thing to ask for. He was XXXX ruder than the first person I spoke with, probably one of the rudest persons I have ever spoke to. 
He started threaten me as well, stating we would never be able to save our house no matter what we did and/or asked for. He went on to say, we would never, ever qualify for a loan modification. He would not even listen when my wife and I was trying to answer the questions that he was asking us, he just ranted on and on and on, telling us we were just going to lose our house. He made it impossible for us to even talk to him. We just gave up. 
Then recently, I applied for mortgage assistance again XXXX because we were flat out denied the first time we tried. After sending in all the required documents we received XXXX ( XXXX ) very different responses in the mail. Please the see attached letters -- - now I am very confused on how to proceed. This is ridiculous. 
So I called the help line again at XXXX ( XX/XX/XXXX XXXX ) to try and find out what is really going on and spoke to XXXX individuals this last time. XXXX XXXX and then her manager. The Manager said if we do n't make our mortgage payment by XXXX XXXX, 2016 they will not modify us at all. 
We feel everyone deserves a fair chance, and should not have to be treated like some criminal when talking to these big-shot lenders. 
For what it is worth, that is my story. 
It is truly unfortunate that they treat consumers the way they do.
Product: Debt collection

I acknowledge that as per FCRA XXXX, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Product: Payday loan, title loan, or personal loan

I Applied For A Loan At Synovus in XXXX 2022. got approved for the loan!!! Have made all my on time payments on this account. Contacted Synovus to make my XXXX payment on XXXX the XXXX, was informed I couldn't make a payment because for no reason my account was locked and put under a review on XX/XX/2022. However I made a loan payment and spoke to several representatives on XXXX the XXXX 2022 which is after the date they're saying the account is locked!!! They Accepted the payment!!! Now as a consumer I have rights this bank deliberately violated my rights by one not notifying me the account was locked or under review!!! By locking my account closing access to my money without any clear deductive reasoning!!!! Now I can't make payments on the loan which im afraid they are deliberately wanting to damage my credit score and report!! also theyre stopping my business endeavors from moving forward which is the reason I got the loan so I could responsibly pay them back!!! Ive called several representatives that said I couldn't get any answers on my account!!! I spoke to supervisor whose name is XXXX, & they've been uncooperative in giving me any answers as to why & or how long its under review!! As a consumer I demand my account be unlocked because I've done nothing wrong and theyre are deliberately violating my rights and then because its a federal institution she's saying there's no way I can get any answers!!! As A consumer I demand my account be unlocked immediately so I can move forward with my endeavors!!! Especially seeing that ive done no wrong on the account since becoming a customer of the institution!! As a consumer I have rights there's no way this Is acceptable!!!
Product: Money transfer, virtual currency, or money service

My account is locked with Coinbase. Whenever I try to logon it asks me for identity verification and when I upload my driver 's license, it says the photo ID doesn't match because it just picks last name and middle name from the driver 's license. And my name on the account is First name, Middle name initial and last name. 

I called their customer support and they keep telling me that case is in the queue and specialist will have to look into it. It has been more than 2 weeks and the account is still locked. Every time I call their customer support they provide the same answer and they tell me they don't the timeline when the specialist will look at my case and they can't help me further. 

Right now all my money is stuck there and I am unable to access it. I am not even sure if my account has been compromised because they are not providing any information and not unlocking my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent at address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I use bill pay through my XXXX XXXX online bank account and three of my recent payments to Shellpoint Mortgage Servicing have mysteriously taken 18 days to arrive and are " late ''. There is absolutely no way the payments have taken 18 days to get from California to Ohio. XXXX XXXX bank sends the check for my three mortgages, and the other two arrive within four days. All three times, the Shellpoint mortgage shows clearance after one week. The last one I made for my XXXX payment, I purposely sent on XX/XX/2023. It appears that they receive the checks and cash them after the due date in order to collect late payments. Each time, after the XXXX of the month, I have received a letter in the mail claiming that my payment is delinquent and that they tried numerous times to contact me. Nobody ever tried once to contact me. I run multiple businesses and take all calls, even if it says potential spam on my phone. Therefore, I know with 100 % certainty that they never tried to contact me for my " late '' payment that they received but instead, stalled on cashing the checks. Each time I have had to call and beg to get the fee waived.
Product: Debt collection

copy of my letter to collection agency and Tesla Re : Tesla Ref : XXXX, XXXX  XXXX Sir/Madam I hope this letter finds you well. I am writing in response to the claim you have filed against me regarding the return of a vehicle leased from Tesla. I would like to address each of the points you have raised as follows : 1. The car was in legal compliance with the state of New York 's Department of Motor Vehicles regulations. It met all the necessary requirements, including but not limited to registration, inspection ( which includes tire conditions ), and insurance. I have upheld my responsibility in ensuring that the vehicle was following the applicable laws during the term of the lease.

2. All the tires on the vehicle were in good shape. In fact, I had provided photographic evidence of the tires ' condition to Tesla prior to the return of the car. The tires were properly maintained and met the safety standards set forth by Tesla. The vehicle had only XXXX miles after 3 years. 

3. At the time of return, Tesla accepted the car without stating any issues with the tires or any other aspect of the vehicle. If there were any concerns regarding the condition of the tires, it is reasonable to expect that Tesla would have communicated them during the return process. However, no such communication occurred, and I proceeded with the return based on the acceptance of the vehicle by Tesla.

4. It is important to note that Tesla requested the return of the vehicle to a specific location, which was not originally agreed upon in the lease agreement. As a result, I incurred the loss of a day 's work to fulfill their request and avoid any further complications. I acted in good faith and followed Tesla 's instructions, which resulted in financial and professional inconvenience for me. 

5. I understand my claim for lost wages resulting from the decision to return the car to a location outside of the lease agreement. However, it is crucial to recognize that this decision was made at the request of Tesla, and I complied in an effort to address the situation efficiently. As a result, I incurred financial losses, including additional expenses and the time taken away from work, which directly impacted my ability to earn wages during that period.

6. Based on the aforementioned points, I firmly believe that the claim against me is without merit. I kindly request that you reconsider your position and withdraw the claim. If you persist in pursuing this matter, I will be left with no choice but to take legal action against Tesla and XXXX, XXXX XXXX. Please be advised that if the claim is not withdrawn by XX/XX/2023, I will proceed with filing the necessary legal action. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution without further legal action. Please contact me at your earliest convenience to discuss this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account
Product: Credit card

This complaint is about Wells Fargo XXXX XXXX XXXX, related to, but not connected directly to my interactions with XXXX XXXX. Today, XX/XX/year> I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX, to confirm with the assistant vice President, XXXX XXXX, that I had come into the branch on XX/XX/year> to report purchases of gift cards, which I then turned into the police and filed a report with XXXX XXXX XXXX, XXXX Police Department, Case XXXX, giving the gift cards to them as evidence. An XXXX XXXX ID XXXX XXXX took them. XXXX Police Department, XXXX XXXX XXXX XXXX, XXXX FL XXXX. It was my understanding with XXXX XXXX at Wells Fargo that the transactions hadn't gone through, that he cancelled both my cards with them and I thought that was the end of it. This has not turned out to be true and the Wells Fargo credit card people were telling me that experience didn't happen, so I confirmed it by making an appt with him at XXXX XXXX. I talked to him for a half hour and followed through on his suggestion to talk to the merchant. I now have an appointment on XX/XX/year> where the merchant manager said we could go over everything. I will be filing more complete complaints about Wells Fargo, but this complaint is singular and about the fact that Wells Fargo is being unreasonable about how they resolve situations. After I made the appt with the store manager, I tried calling the XXXX branch 3 times and was put on hold XXXX with no response. I wanted to thank XXXX XXXX for the information. Try number XXXX landed me in customer service being transferred to an " escalated '' representative although all I was trying to do was thank XXXX XXXX. Ended up talking about a little of everything with XXXX at around XXXX - XXXX XXXX. Here is what is unreasonable. XXXX reopened the case, giving me the number XXXX. She told me to wait for their response before sending in hard copies of records and supporting documentation. Then she added, and here is my complaint about Wells Fargo being unreasonable, that I could reopen the discussion or dispute, as they call it, as many times as I like, Wells Fargo 's response will always be the same as they feel they satisfied all of their requirements. That they would just continue to say the same thing. This is in direct contradiction to their Code Of Ethics or Conduct More importantly, it's unreasonable. This word as well as this complaint comes at the suggestion of XXXX at XXXXXXXX XXXX  XX/XX/year> at the Fl State Attorneys Office, Consumer Division.
Product: Credit card

XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX ( XXXX minutes ago ) to XXXX XXXX Dear XXXX and XXXX XXXX It came to my attention today XX/XX/23 my car care card was closed with a {$1500.00}. 
as statement shows payments made on time and very little interest paid. 

Also, find the Walgreen account that was reduced to a {$500.00} credit limit with a {$1500.00} credit limit card.

Please allow me to open another account and restore credit limits for Walgreens and Car Care. It is not fair when the credit report shows no delinquency recording Synchrony Bank open accounts. They are committing fraud to my accounts. 

Thank you for your concerns and consideration. 

XXXX XXXX Synchrony Bank according to the Credit report and account information reported fraudulent information based on accounts that were not delinquent and closed accounts or reduced line of credit. As you can see as of Credit Report I have not missed a payment. XXXX is paid off through a settlement with XXXX. 

SYNCB/XXXX  XXXX XXXX XXXX XXXX XXXX statements.

SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CAR CARE XXXX XXXX XXXX XXXX SYNCB/WALGREENS XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery is calling me from various numbers, every day. I block the numbers but they call the next day on a different number. Within this month so far I have gotten XXXX calls, I have no debt so I shouldn't be getting these calls
Product: Credit card

I recently was approved for a Target credit card. When I went to the company 's website to sign up for online account management I was not allowed to sign up because I would not agree to receive all communication, including monthly billing statements electronically. In addition, I would also have to agree to pay my credit card bill through their website. I declined to sign up. I believe this is unfair.
Product: Debt collection

A Representative named XXXX XXXX called me today XX/XX/2018 at approximately XXXX XXXX, XXXX and XXXX pacific standard time, harassing me about a trying to contact a person named XXXX over a debt and that this person used me as a referral. When I told her that I don't know this person nor her whereabouts she threatened to personally come to my home and do something to me. XXXX XXXX also said she would send some legal letters to my home. Total harassment. 


I don't know this person and I don't want this type of phone call and harassment and the threats.
Product: Money transfer, virtual currency, or money service

PAYPAL if you cant release my money, i need you made a refund. 

when you cant release the money, just made a refund nowww ... .is 1 year and you made money with my mony on hold, now i just wat you get back my money, XXXX scamer company.