23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called expressing my desire to split my mortgage payments into bi-monthly. This was in an effort to contribute to a faster pay down and lower the amount I pay overall in interest expense. However, I noticed months later that Wells Fargo was actually taking my payment and putting it as " unapplied funds ''. If these funds are supposed to go TOWARDS my mortgage and it was clearly expressed that these should go towards my mortgage why were they holding that money until the end of the month to make a final lump payment which ultimately achieved the original 1 time payment outcome. Additionally, what is Wells Fargo doing with potentially MILLIONS of customers ' " unapplied funds ''. I suspect in the aggregate that's a lot of money they are holding on balance sheet and potentially gaining short term interest income off of while the consumer isn't reaping any benefit. When I called to get clarity and straighten this out they had a convoluted explanation that I had to specifically ask for payments to be every XXXX or weekly. How would the consumer know to ask for that? Also, why would this be required?
Product: Debt collection

On XX/XX/XXXX, I received a settlement letter from World Acceptance Corporation in the amount of {$240.00}. In response, I mailed a letter to World Acceptance Corporation with a copy of the settlement offer they sent me asking for the validity of the debt. In return, I would agree to making a full payment, after I receive a letter with the company letterhead agreeing to the offer with the removal of the account from credit report. However, World Acceptance Corporation only sent a letter stating they received my letter on XX/XX/XXXX, but was unable to identify any account with their company. The company asked me to send my full Social Security and Account Number to  locate the account. I refuse to send any information to this company. If the account exist the company should be able to locate the account by the account number they printed on the settlement letter. Also this company should have all viable information, since this account is reporting on my credit report. 

I request the validity of this account. I also request that this account be immediately removed from all three credit bureaus including : XXXX, XXXX and XXXX. A letter stating the deletion of account must be mailed to the address on file.
Product: Consumer Loan

This account was paid in full since XXXX 2015. They have yet to update it as paid in full and closed to the credit bureaus. The late payments are also incorrect. I have been on time with payments since XXXX 2015.
Product: Vehicle loan or lease

US Bank canceled my loan with them without my notice. I want US Bank to reinstate my loan with them. US Bank breached my car loan with them causing me to possibly having my car repossessed. Once agin, I would like US Bank to reinstate my loan with them. There was no reason for them to cancel my loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXXXXXX {$470.00}
Product: Checking or savings account

On XX/XX/2022, Bank of America charged me {$550.00} for a corporate ( e.g., its ) check to XXXX XXXX. In accordance with my long standing request for a monthly bill pay. That check to date has not been received by the merchant. My initial attempts to resolve this dispute included discussions with the bank 's customer service line. All that the bank 's representative could do was to assure me thate amount has been debited from my account. I knew that. I subsequently tried to see a customer service representative at a local branch. The bank informed me online has no such employees in its branches in downtown XXXX. I also requested a call from another representative. The bank informed me online that it has no one available to return my call. I finally sent a letter to the bank 's home office. That was responded to by a form letter from the bank saying that it could not respond and that I had to call a customer service representative!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts because there are several inaccuracies such as amounts, dates, and the other false information claims. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my credit report. Upon reviewing my report, I noticed an account from Ally Financial that has been marked as charged off and written off. I believe this information is inaccurate and should be addressed according to the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : - Creditor : Ally Financial - Account Number : XXXX I am requesting that Ally Financial provide either a 1099-C form, as required by law for cancelled debts, or that the account be deleted from my credit report. The FCRA mandates that inaccurate or unverifiable information must be corrected or removed from consumer credit reports. 

I kindly ask that you initiate an investigation into this matter and provide me with written confirmation of the results. Please ensure that any inaccuracies regarding this account are rectified promptly in accordance with the FCRA. 

Thank you for your attention to this dispute. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX i received multiple notices from the 3 major reporting bureas : XXXX, Equifax and XXXX  that their were numerous inquires being placed on my consumer credit ... i have disputed these inquires with the creditors : XXXX XXXX/auto financing companies, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  and they responded by telling these inquries were done online..Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave _ : XXXX XXXXauto financing companies, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, NO consent is identity theft..these inquires should not be furnishing on my consumer credit report at no conditions at all.the 3 major bureaus XXXX.EQUIFAX AND XXXX  are wellaware of the law that has been giving by congress and they have violated my right by furnishing these fraudulent inquires without my consent ...
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Transunion asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit card or prepaid card

Dear CFPB, Synchrony bank is defrauding its customers by embezzling their payments. They closed my account XXXX  months ago but never returned my payment which resulted in a negative balance at account disclosure. Not only they try to steal customer 's rewards points, they also try to outrightly steal customer 's payment/money. Please investigate this shady bank.
Product: Debt collection

Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear LVNV Funding, XXXX XXXX XXXX I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in XXXX 

After a thorough investigation and consultation with legal advisors, it has come to my attention that LVNV Funding, LLC/XXXX XXXX has engaged in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of Wisconsin Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of XXXX  XXXX XXXX ( XXXX ), Chapter XXXX : {$1000.00} Violation of XXXX XXXXXXXX XXXX, XXXX : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX. I contacted XXXX XXXX XXXX and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. I request that you initiate a XXXX into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681. 

XXXX XXXX  -- XXXX, XXXX XXXX XXXX -- XXXX, XXXX  XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 A In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : # 2 In accordance with the written instructions of the consumer to whom it relates 623 A # 1 A Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I attempted to open an account on XX/XX/2023. I unfroze my credit report, and was told I was denied an application due to information in XXXX. There is no negative information in the report. They won't disclose any details about why my application was denied and refer me back to XXXX. 

I have high income & high credit scores ( XXXX ). 

I have a right to know what specifically caused my application to be denied. They repeatedly refuse to disclose any details. There's nothing in my report that would deny me an account, and in fact, I opened an account with another bank just 4 months ago.
Product: Prepaid card

I've havent been able to use the card since XX/XX/year> citing I've exceeded my daily spending limit. I've been told that I've exceeded the annual deposit limit then told I've exceeded the annual spending limit. All of these things have been confirmed to be inaccurate according to the XXXX XXXX that opened a case and was supp [ osed to call me back on XX/XX/year> and did not. That has cause a significant hardship for me and my family. I need this resolved as soon as possible and if not I'm going to look into further my legal action against this company for both deposit accounts that are holding my money. 
American Express Serve {$1700.00} American express Serve Visa {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In my most recent complain response ( XXXX ) there have been a lot of changes made, but none addressed or solved my main complaint, unless removing the XXXX XXXX account was done to solve the impossibilities that have been to get the multitude of errors on it corrected. But if it was removed as what should be done when errors not corrected. I would just like to mention, that removal of the account has happened in the past, but it soon gets added back to the reporting in its same corrupt state. Another change was the XXXX XXXX reporting. It is now reporting under dispute. Not sure how that happened, because there was not a dispute opened anywhere. Plus and a bigger problem, why was it changed where it shows missed payment history and that there was actions beyond the XX/XX/2021 closing date. Why does Equifax continue to allow mortgage operations access to consumer credit reporting. Deleting the account can be acceptable, but we know now that its not going to be permanent. And unlike in the past, now they are modifying the closed XXXX reporting to show recent and negative changes. 

Also on a newer car reporting by XXXX XXXX. It has been modified where it is not showing the payment history, which is also on another open complaint. How do you just remove the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion credit bureau on multiple occasions in regards to inaccurate inquires on my report. I have informed this company that I have been a victim of identity theft and I have put a free on my report. How ever this company refuses to remove unauthorized inquiries for XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. As per the FCRA transunion must report correct and true information on my credit file. These inquiries are unauthorized and I am asking that they be deleted. However transunion is violating my rights and privacy and I will take action by suit to have these false inquiries removed from my report.
Product: Credit card

I'm a victim of identity theft. Tried to resolve it with the agency. I sent in dispute letters and FTC report. Copy of my ID and proof of address. I received no response. No action. I request that this be resolved immediately and all accounts, addresses and derogatory information be removed under the Fair Credit Reporting Act,
Product: Debt collection

Harvard collection company located in XXXX, has repeatedly refused to remove an inaccurate item from my credit report. The collection company has repeatedly attempted to make me pay for a medical bill that is not mine. I have sent them a certified letter demanding that they remove the inaccurate information from my credit file and requesting that they reinvestigate the debt in order for them to know that I did originate or have anything to do with the alleged debt.
Product: Credit card or prepaid card

Unauthorized charges were made on my BestBuy Visa ( handled by CitiBank ) on XX/XX/XXXX and XX/XX/XXXX. 

Police report was filed with Officer XXXX XXXX XXXX XXXX Police Department Case Number : XXXX BestBuy reversed those charges on XX/XX/XXXX and XX/XX/XXXX in full. I also received a replacement credit card. I assumed the matter was resolved. 

Then on my XX/XX/2021 statement, all of the fraudulent charges that had been reversed had been undone and placed back onto my account. 

I have left one written and four verbal messages for a callback from the CitiBank investigations department ( they do not respond via the online messaging center - only callback ). I have received no return phone calls, despite leaving one message with the rep on the line, assuring me that I was using the correct mailbox. 

On XX/XX/XXXX, I spoke to XXXX ( employee ID : XXXX ) who was also unable to reach the investigator, XXXX assigned to my case.
Product: Credit card

The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer.
Product: Credit card or prepaid card

I am writing the letter on behalf of my amazon account being closed by Synchrony bank. I had never had a problem with Synchrony bank payments for 3 years until now. I even made large payments. 
After opening a new account with XXXX XXXX and setup online payments that's when i started having problems with paying my amazon account. 
And i was not aware that they would closed my account after two fell payments. 

I called in to Synchrony bank and spoke to a account manager, I explained the situation to the first account manager, she gave me credit and i guest she tried to fix the problem. but didn't. I called back in again and spoke to XXXX, about my account being closed and she did not put no complaint in. After acknowledging that she did not do anything. I called back in and spoke to XXXXaccount manager. He actually put in a claim. that when i called back in to check the results, Synchrony staff member claimed they deny opening my account. 

I had to provide my account to them to see if they were using the same account, and they wasn't. When i provided them with the correct account number, my payment went thru for {$550.00} paid on XX/XX/2023. 

my argument is they closed my account and i don't understand why they closed my account
Product: Checking or savings account

XX/XX/08 : Deposited money order at Chase bank ATM XXXX ID : XXXX amounting {$4400.00}. There is something wrong with the machine and received a receipt stating to call chase number if my deposit didnt go through. My daughter went inside the bank and the guy told us to just call. I called and filled a claim provided them all info and money order numbers. They gave me this claim number XXXX. I called again today and was told that they put on hold my deposit as they cant find the other money orders in that bank. They are not giving me accurate answer and I don't know where my money is now. I have all the receipts and copies of my money orders and where it came from. Now, chase is stating that they cant find the whole amount but I deposited all the money orders in that machine.
Product: Mortgage

I went to refinance my home to find a lien on it. My ex husband claimed bankruptcy and wrapped that portion of debt he was assigned into the bankruptcy. I was not on the loan not was assigned the debt through the divorce process. My final divorce decree clearly states the debt is his alone. Navy Federal credit union even after showing them the divorce decree and the deed which is in my name only refuses to remove the lien and had even suggested I sue my ex husband to pay the lien off
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I do not recognize with their names and following dates : 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