23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was with Wells Fargo and I was going to do an assumption loan to get my ex wife off of the loan. Wells Fargo said they my loan could be assumed by me with no appraisal and everything would stay the same as long as I was credit worthy. The total cost was going to be around {$1000.00} plus Florida fees. In my divorce decree, it said I had to get my ex off the loan within five years. Five years is this XXXX My house is upside down so there is no way I can do a regular refi on my home. I called Wells Fargo to tell them I want to do their assumable program and they said that my loan had been sold and would have to go through XXXX XXXX XXXX since they bought the loan. When I called XXXX they said they do n't have that same program and to get my ex wife off the loan I would have to refinance the loan. Since my loan is upside down I ca n't afford to refi. I am going to have to let my house go into foreclosure if I ca n't work something out with someone on this. I do n't think it 's fair that because my loan was sold I can no longer do this program that Wells Fargo had. Is there anyway I can make Wells Fargo keep my loan until I do their assumption loan? It does n't seem fair to me.
Product: Debt collection

ABR recovery placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which XXXX  said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.
Product: Money transfer, virtual currency, or money service

Scammed of {$75000.00} Hi! This is going to be a long story, and a bit confusing. But I was scammed out of {$75000.00}, and the individuals responsible were arrested this week. 

In 2022 I decided to sell my extra car because I was quitting my job to open my business and a {$1200.00} car payment just wasnt realistic. I posted my car on XXXX XXXX and eventually a buyer messaged me with a reasonable offer. I responded, we chatted for a couple days, and the transaction took place. 

Due to him being out of state, I called my bank directly and then I patched him in on a third-party call. He gave his information to the bank and the transaction went through. Im relatively aware of the scam, so I waited a few days to hand the car over. I called the bank and they informed me the funds had cleared, my loan account was closed, and the title was in the mail. 

2 weeks later, the same day I received the clear title in the mail, the bank called informing me that the loan account was reopened and they need me to return them my title. I informed them my car was sold and no longer in my possession. 

I called the police and filed a report, then called my insurance. Upon talking with insurance I remembered I have XXXX on the car. I found the car in XXXX and had it recovered by the PD. Many fees were accrued in the process, as well as damage to the car. 

Each time Id call the bank and ask for an explanation, the teller would look, go silent, stumble over their words, and inform me they can not speak on any details. They can only inform me that I am financially responsible for the entire amount remaining on the vehicle.
Product: Debt collection

debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened up an Apple Card under my name, and put it under my other family members old email address. My other family member is experiencing identity theft as well. We were both victims of the XXXX data breach and XXXX XXXX breach. This needs to be investigated and removed from my credit report as soon as possible.
Product: Debt collection

They call multi times a day. I have already requested the information on said debt be mailed to me as I have NEVER received a single bill for this debt since I stopped service with said company they are collecting on. And the account was closed two years ago. I have n't heard a thing or ever got a final bill from company. And all a sudden they want my FULL social and address and all that. I told them once to send me mail on behave of the company before I would talk anything about the debt as I want to protect my identity. They refused, and are now calling me everyday and if I do n't speak to them they will keep calling like 5 times a day. On top of that they call using ant automatic system that tells me to wait on the next avaible rep as if I called them. I 'm sorry but if they gon na call me they need to speak with me directly not make me wait on hold for them! That 's rude and illegal at that!
Product: Credit card

XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the serious issue of a fraudulent account present on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. 
I have submitted the required FTC report to the company associated with this account and they have already removed this from their records. Furthermore, other credit bureaus also deleted this account after receiving the supporting documents. The inclusion of this fraudulent account is not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! XXXX, XXXX, and Equifax, that this inquiry due to Violation of 15 USC 1681b Thank youXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Used XX/XX/XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX  Commercial Banks XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Dealers, Used XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX Auto XXXX, New XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX XXXX Cards Issued by Finance Companies XX/XX/XXXX XXXX View full complaint. I need this to be removed
Product: Credit reporting or other personal consumer reports

I completed a timeshare separation with XXXX XXXX XXXX. XXXX XXXX XXXX has has put missing payments on my report although this legal separation was put in place. I gave the time share back in this agreement. I would like them to remove this off my credit report since this is not a missed payment and a legal separation through a legal firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer from Experian offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with Experian and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. Experian 's exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.
Product: Bank account or service

Wells Fargo keeps taking withdraws from my Checking account without my consent ; I had a illegal amount of {$81.00} from a XXXX account that was n't mine. I called the XXXX and they instructed me to contact Wells Fargo to get a CHARGE BACK for that amount. 
Wells Fargo did put back that amount ; only to take the amount BACK out of my account. 
And the bank refused to replace that even though it IS THERE ERROR to do so. 
I want my money back into my Checking account POST HASTE. 
I keep the printout of their error that bears out my concern. This has happened XXXX ; and we faxed from another branch of their own bank that proved my claim ; and they lost the faxes XXXX times ... .. the banker on our end stated he faxed to the fraud division XXXX. 
And he concurs we have proven our side enough to get our money back into the checking account ... .. 
WELLS FARGO IS A FRAUD!!!!
Product: Credit reporting or other personal consumer reports

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a XXXX XXXX. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for XXXX  by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of XXXX  and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title XXXX Also states anything dealing with a securities is an automatic XXXX XXXX XXXX. 

XXXX XXXX XXXX Initial privacy notice to consumers required. 
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose XXXX  nonpublic personal information about the consumer to XXXX  nonaffiliated XXXX XXXX, XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. 
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated XXXX XXXX ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate XXXX boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in XXXX ( l ) ( XXXX ) of this part, includes the address to which the form should be XXXX ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via XXXX XXXX or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The XXXX  means of opting out is for the consumer to write XXXX  or XXXX  own letter to exercise that opt out right ; or
Product: Checking or savings account

I used my card for the wrong transaction my account was charged XXXX I put in a claim and it was denied they never researched I spoke with the merchant and got email that the money will be refunded back to my account on XX/XX/XXXX the money was pending to the bank but now they claim its still not there and wont issue me a credit keep telling me will be XXXX 5 day wait but had they investigated and didnt deny my claim I would already had the money in my account Im XXXX and live on my money so this is hurting me to keep on waiting I tried to open accounts in other banks it will not allow me so Im stuck with this XXXX bank
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage was in my daughter and my name with my daughter being principal borrower. During the pandemic her business was shut down completely and in XX/XX/XXXX she received a grant from our county to cover the cost of the mortgage for a few months. The grant was sent directly to the mortgage company and was received on XX/XX/XXXX ( per mortgage company manager ). Due to an error on their part ( they transposed 2 numbers ) upon receipt in XX/XX/XXXX the mortgage was not credited to XXXX bill and therefore was more than 30 days late and was reported to credit bureau. When I called to research the issue I was told by a manager that they are very stern and make no exceptions and our credit scores could not be corrected.. ( My understanding from the government was that mortgage companies are supposed to work with us during the pandemic ) In addition when we paid off the mortgage in XX/XX/XXXX we were charged an additional PMI of {$150.00} after the loan was closed and paid off. When I inquired about the charge I was told they charge PMI in arrears and was told it was from when the loan started originally in XX/XX/XXXX and then the story changed and I was told it was from XX/XX/XXXX. 
I spoke with a manager of the company on XX/XX/XXXX requesting that our credit scores be corrected. She told me she would put in a request to the credit department and it could take 3-4 weeks for a response. I was told if I did not get a response by XX/XX/XXXX to call back. On XX/XX/XXXX I called back and was connected with a different manager. During the phone call she stated she was in contact with the other manager and had not yet had a response from the credit department. At that time I stated I was going to be contacting the XXXX  as well as CFPB to file complaints. The manager asked that I wait until Tuesday, XX/XX/XXXX for a response as Monday is their highest call volume. Today is Wednesday, XX/XX/XXXX and I have not yet had a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lease my car through GM Financial. Payments are made online. I made payment in XXXX and statement states next payment due on XX/XX/2018. I had a death in the family and I just look into my credit report and Have excellent credit. I seen that my rating when down. I looked into and GM Financial filed a report that I was 30 days late. I immediately paid a payment. The account says I don't owe a payment to XX/XX/2018. I called GM Financial and the women said she would not in my account that there was a clitch in system, I called the XXXX XXXX XXXX and they said to call GM Financial back and ask them to report it. I called back and after 25 minutes speaking to a reprensative, he transferred me to a supervisor and she stated that they can't back and report it. I told I would call the Federal Trade Commision. I have a copy of the online statement, showing the due date to back up the information I have listed here. I would be happy to email the back up. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate verification. I request your help in addressing and resolving this situation swiftly and efficiently.
Product: Checking or savings account

On XXXX I wrote a Check to my contractor to the amount of XXXX dollars, he then deposited the check through his mobile Chase app.

My bank also Chase completed the withdrawal from my account but suspended and put the check on hold on his account until they customer service could verify the maker of the check ( me ) by calling the phone number associated with my name with the phone verification system they use. 

But because in their system my name does not match my phone number, they claim to not be able to contact me and verify my identity and therefore can not release the check. 

Even though I have been using this current phone number for 2 years, and have updated it online, they still claim the phone number is under a previous owners name. 

So they can not release the funds and will suspend the receivers account if the issue is not resolved. They are also un able to verify my identity with my two forms of ID speaking to a bank manager on site.

After many endless cycles of both parties of calling the different departments of chase customer service, fraud department, and holds department, escalating it up to supervisors, the only solution they offered to confirm my identity can only be through phone number and somehow speak to my cellphone provider to change to a new number that is not associated with any other previous owner to which I have completed a week ago on XX/XX/2024. 

Chase still says they can not verify my phone number as it is not updated yet, but my XXXX dollar check I need to use for payment is still on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is a respond to a letter i recived from transunion requesting additional documents for case number XXXX XXXXXXXX i attached documents below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( and other dates ) Santander Consumer Usa turned my account in as a charge off for XXXX dollar ( to XXXX ) and a  charge off paid in full to XXXX and XXXX. They also turned me in for being 30, 60, 90 and 120 days late when I was making payments that they suggested. I called Santander several times and they said my principal is paid off and on time ( not late ). They then said that there are fees ( XX/XX/XXXX ) that can be paid off when I can and if I pay monthly payments it will not be shown as being overly late. Santander has on their records that they said that I would not be down as being more than 60 days late and would not charge me off if I made payments. They said themselve 's that its on record three times that this was said and that I'm not to worry. They also said that it is on record that they said the opposite. I reported this to XXXX, XXXX, and XXXX  and not much was done. I need this charge off taken off of my report as I never more than 60 days late. I got this payment down to XXXX dollar and they charged me off. This truly is an unfair act even if Santander never admits fault.
Product: Debt collection

I spoke with a man named XXXX from XXXX XXXX XXXX about a debt I have not heard of for XXXX XXXX years. I asked him to send me an itemized list of the charges and that I wanted to dispute it since I was told by the apartment complex that the debt was cleared. He got very aggressive and refused to send any documents to me until I agreed to pay the debt. I let him know that I was not comfortable agreeing to anything until I have proof something is owed and he made threats about this hurting my credit and continued to refuse to send me the list I requested unless I did what he asked. I disputed the charge in 2020 and never heard back from XXXX XXXX XXXX after I spoke with the apartment complex. 
This is poor business practice and my research and calls to law offices said that they are not allowed to without important documentation once requested.
Product: Money transfer, virtual currency, or money service

( 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 and 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 those violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.