23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced an existing Wells Fargo mortgage through Wells Fargo. The process was problematic from shortly after the initial application. Our credit scores in the 800 's, we owe no debt besides the mortgage we were refinancing on our vacation home. We take great pride in our efforts to maintain a strong credit rating. Wells Fargo representatives rate from bad to worse, beginning with the loan mortgage consultant XXXX XXXX ( NMLSR ID XXXX ) continued with loan servicing agents XXXX XXXX and XXXX XXXX, through to closing attorney firm XXXX XXXX, XXXX. XXXX XXXX. 

Despite the poor service throughout, we held committed to closing this refinance loan. The last straws were the failure to deliver promised promotional gift card ( {$300.00} ) and more importantly Wells Fargo 's failure to provide reconciliation of misappropriated escrow funds in the amount of {$1700.00}. These two outstanding items represent the damages we seek resolution to.

My last attempt to resolve this was an email to Wells Fargo ( WF ) personnel including XXXX XXXX ( WF ), XXXX XXXX, XXXX, XXXX XXXX ( WF ), XXXX XXXX ( WF ), XXXX XXXX ( WF ), and XXXX XXXX ( WF ). The email was sent XXXX EST on Saturday XX/XX/2021 and as of this writing on Monday XX/XX/2021 at XXXX EST, we have received no response or acknowledgement to our request. 

Contacts we have reached out to in attempt for resolution : XXXX XXXX : T : ( 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

I submitted a complaint to Chase on XX/XX/XXXX and followed up again on XX/XX/XXXX. Both times I was assured I would receive a response with in 7 days. I have received no response from Chase. I was given information by two representatives at Chase about my credit line that is not in line with the action Chase took on my account. The reduction of my credit line has had a negative impact on my credit score. See below : XX/XX/XXXX Hello. I need to escalate an issue with my account. On XX/XX/XXXX, I spoke with a woman in the lending department to do a review of my credit line. After reviewing my credit report in depth and asking me many questions, she said there would be no change to my limit at this time. On XX/XX/XXXX my limit was decreased. On XX/XX/XXXX, I called back and spoke to another woman who was short and unhelpful. Told me to call back Tuesday because the system was down. On XXXX, I called back and spoke with XXXX. He again reviewed everything in detail, pulled another credit report, and told me my limit was being restored immediately. He apologized for the prior issues. I explained to him that I received a bonus and paid off almost all of my debt. I was also in the process of closing out accounts I don't use. I stopped doing that once the limit was removed because I don't want to find myself with no available credit. On XXXX, I looked at my account and the limit has not been restored. I called back and spoke to XXXX. She said she would escalate it and said that XXXX must not have the right authority to process it in the system so someone else has to do it. On XXXX I got a letter saying the line was not being restored. I don't understand why I was given so much conflicting information and promised twice that my line would not be impacted. I would like a manager to call me and for my line to be restored ASAP. Please listen to all the calls, because when I called today XXXX told me there are no notes about any of this, I'm declined, and he would transfer me to the escalations department to leave a message. Basically, he insinuated that I was making all of this up. I told him to transfer me, but of course there is no option to leave a message. Again, bad information provided. I will be filing a CFPB complaint today about this if we don't get resolution. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly am seeing updates on my XXXX and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a Credence Resource Manage allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 6XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX was sold an account from XXXX XXXX sold an Account number XXXX that allegedly belonged to me with a amount due of {$3400.00}. I am requesting for XXXX XXXX to provide me with a copy of the original contract, which bears my signature, for the aforementioned account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Transunion about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the hard inquiries that don't have no purpose to be on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Im writing to dispute multiple accounts on my credit report that Experian has failed to properly investigate. Ive recently learned about the CFPB lawsuit against Experian, and it seems the issues theyre being sued for are the same ones Ive experienced.

Here are the accounts Im disputing : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : First Premier Bank Credit Card Account Name : XXXX I provided clear evidence to support my disputes, but it seems like Experian didnt actually investigate these accounts. From what I can tell, you just accepted whatever the companies who reported the accounts told you, even though their responses didnt make sense or address my concerns. 
To make things worse, the response I received from Experian didnt explain anything. It didnt tell me how these accounts were verified or provide any proof. In some cases, it feels like you mightve put back old, inaccurate information onto my report without notifying me, which is against the law. 
Heres what I need you to do : XXXX. Reinvestigate each account listed above and make sure you actually verify the information with proper evidence. 
XXXX. Remove any incorrect or unverifiable accounts from my credit report. 
XXXX. Send me detailed results showing how you investigated these accounts and include any proof you used to verify the information. 
XXXX. Make sure these accounts arent added back to my report unless theyre proven accurate, and you notify me in writing. 
Please resolve this within 30 days as required by the Fair Credit Reporting Act. If this isnt fixed, XXXX file a complaint with the CFPB and consider further legal action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon.
Product: Payday loan, title loan, or personal loan

Hi XXXX, We would like to speak with you so that we can finish processing your request for a new Installment Loan through MoneyKey for up to {$5500.00}. If approved, any requested funds may be deposited into your bank account the same business day2.
Product: Vehicle loan or lease

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge and the finance includes insurance which protects the creditor against the obligors loss, and or property damage. XXXX XXXX XXXX dba XXXX XXXX did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit B that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. XXXX XXXX XXXX dba XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit A & B. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and B that XXXX XXXX XXXX dba XXXX XXXX is in violation of XXXX XXXX XXXX. XXXX XXXX XXXX dba XXXX XXXX willingly and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable.
Product: Credit card or prepaid card

I recently paid off my apple card and froze the account. Not too long after, there was a refund been credited to my account. So I have {$190.00} extra under my name. I reached out to their customer service. They suggested the only way to access that {$190.00} is to unfreeze the account and spend it. The thing is I don't want to spend it. I also asked them what if I close the account. They could not provide clear information regarding transfer this extra fund out.
Product: Debt collection

Multiple phone calls a day several times a week. They also text me even after I texted STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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: Checking or savings account

I had a bank account with Wells Fargo between XXXX and XXXX and I was charged overdraft fees incorrectly.
Product: Debt collection

Received first letter dated XX/XX/XXXX from a Wakefield and Associates, LLC, attempting to collect a debt of {$1500.00}. The letter does not specify to whom the debt is owed. 

My first call to them was on XX/XX/XXXX to gather information about the alleged debt, the man told me that it was for a hospital bill dated XX/XX/XXXX. He also told me the hospital name but I didn't hear it the first time. He then refused to repeat it or answer any further questions, instead insisting that I pay the bill. I called a second time mentioning that I had been in XXXX during the date they were claiming, and they told me to mail in an appeal if I do not intend to pay. 

I mailed a letter on XX/XX/XXXX claiming that I had been living in XXXX and I have at least 8 pieces of evidence that I can provide to prove it. The letter had a tracking number and was confirmed delivered to W & A on XX/XX/XXXX. 

I called a third time on XX/XX/XXXX in another attempt to get the name of the hospital and the nature of the bill. It was for a XXXX XXXX XXXX in XXXX, Indiana, for an ER visit, same date mentioned, XX/XX/XXXX. 

I called XXXX XXXX shortly after on XX/XX/XXXX and they had no record of me being a patient at the hospital, real or fake. 

On XX/XX/XXXX, I sent a copy of my XXXX Student Visa with sensitive info excluded, except for " Issued at : XXXX '' and " Issue Date : XXXX XX/XX/XXXX '', which was only 13 days before the charge. This letter was also tracked and confirmed received. 


Now, 6 months later, I received a letter from W & A, dated XX/XX/XXXX. They made no mention of my previous communication, just another letter asking me to pay the bill. 

This letter did provide some additional info about the charge. Notably, the patient DOB was incorrectly listed as XX/XX/XXXX. Description was : Emergency evaluation & management Disposition referred/ returne Arrived by Ambulance ; Unspecif {$1400.00} Total collection amount on the new letter is the same as the old {$1500.00}.
Product: Vehicle loan or lease

JB BYRIDER CNAC XXXXXX/XX/XXXX I was told by the dealer if I cosigned I would only be on the loan for 6 months and then after 6 months I would be removed now they want remove me the person who has the vehicle is about to file a XXXX XXXX XXXXnd they won't give me any information and they only reason I put my name on this vehicle is because the sales guy as well as the manager stated my name would only be on their for six months. And here we are in XX/XX/XXXX i have called emailed and no one would help me they used deceptive practices to get my name on the loan know they won't uphold their end of the agreement and my credit is being tarnished.
Product: Debt collection

18 U.S.C. 1028, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers 10 prohibited acts, including : Producing or transferring false or unauthorized identification documents Possessing five or more false or unauthorized identification documents with the intent to use them unlawfully 15 U.S.C. 1601 - U.S. Code The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. To get all the following inquiries off my credit report in 30 days or less.
Product: Debt collection

in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDLOAN XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

So, I 'm trying to make payments to my KeyBank credit card from my XXXX checking account via KeyBank 's website. KeyBank claims XXXX is rejecting requests for payment, while XXXX says it never received any requests. Also, KeyBank is the only credit card that has trouble getting payments while I can pay other accounts just fine. I also initiated a trial payment of {$2.00} from XXXX 's website, the money has been debited but it has n't been posted to my KeyBank account. 
Now, looks like KeyBank has reported this to the credit bureaus as me having defaulted on payments when in reality it 's their own fault. As a result, my credit score has fallen by more than XXXX points. KeyBank even reported my account to its collections department and only today after talking with them did I find out that KeyBank apparently ca n't accept checking account numbers which exceed a certain length. The entity to blame for this KeyBank 's IT while I end up paying the price. 
I 'd still be happy enough if these so-called 'payment defaults ' are struck off my credit profile because this is no fault of my own.
Product: Credit card or prepaid card

I open an account with XXXX XXXX on XX/XX/XXXX promotion ended XX/XX/XXXX. I called 6 months prior asking about the end date of the promotion and was told that I have another year to pay off the balance. When I checked my account on XX/XX/XXXX and noticed a interest finance charge for the amount of {$1700.00}. I've spoken to XXXX XXXX/commenity bank and was told even when I first opened my account that the payment structure is an amortized payment. After speaking today XX/XX/XXXX XXXX a supervisor he advised the information given to me was incorrect and that I should have reviewed my statement and I can never just go off of what a employee provides to me. I think that sounds ridiculous but I digress. Please remove the charge and I will pay the balance in full. I'm currently going through a housing purchase ( in escrow ) and this could affect my eligibility. If I knew that charge was coming I would have paid off the balance. I can provide proof of funds to prove this statement as well. 

Please consider
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave consent to Experian to furnish the following information. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. This company is now notified of this violation and must take steps to correct it. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX Experian is in violation for furnishing information while violating the FCRA. They have failed to provide any form consent from my part because I never gave consent.
Product: Checking or savings account

AI Overview If you file a complaint about a bank employee and that same employee answers your complaint, it is generally considered a conflict of interest and should be escalated to a higher level within the bank 's complaint process ; you should request that someone else handle your complaint, like a supervisor or a dedicated complaints department. 
Why this is problematic : Impartiality concerns : The employee may be biased in their response to your complaint, potentially downplaying or dismissing the issue due to personal involvement. 
Lack of accountability : If the employee is the one handling your complaint, it might prevent a thorough investigation and potential corrective actions.

What you can do : Ask to speak to a manager : When the employee answers your complaint, politely explain that you would like to speak to their supervisor or a different representative to handle the issue. 
Clearly state your concerns : Be specific about your complaint and why you believe the employee should not be handling it. 
Document everything : Keep a record of your complaint, including the date, time, and the name of the employee you spoke to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I attempted to obtain credit or a credit report, Equifax will not release information. I've several attempts to have this resolved to no avail.
Product: Debt collection

Delete In accordance with the fair credit reporting act XXXX  account. XXXX XXXX # XXXX balance {$51.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX balance {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Judgment {$10000.00} XX/XX/XXXX Judgment # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  {$520.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX  {$860.00} XX/XX/XXXXXXXX XXXX {$710.00} XX/XX/XXXX HAS Violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A. 2 : It also states a consumer reporting agency instructions.
Product: Credit reporting or other personal consumer reports

I have disputed the information XXXX  about a collections account with Hunter Warfield. Each time it comes back as verified but I know that it hasn't because I do not have a contract with the original creditor XXXX XXXX XXXX XXXX XXXX does not have a contract or signed lease with my wet or electronic signature, so on that basis alone, I would like it removed from my credit. The effects of this reporting on my credit is that my family and I are now homeless because no one will rent a dwelling to us with this debt reporting on my credit and rental history. Also the debt is reporting incorrectly. So it has not been verified as the credit bureau 's continue to reply as the reason for it to remain on my credit report.