23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe Wells Fargo has misapplied my principal payments on my account. I signed up for the bi-weekly payment option to pay half my mortgage payment every other week. In addition, when I signed up for this service, there was an option to apply an additional amount to the principal that would be divided into two equal payments ( per the online disclosure confirmation ). Wells Fargo did disclose that any partial payments would be held in a suspense or unapplied account until a full contractual payment is received, which was fully disclosed and appropriate. However, it did not disclose that any principal payments would be held in the same manner. As a matter of fact, the online Transfer Confirmation discloses when the transaction will take affect and states that a recurring payment that falls on a business day will take effect the same day. If a recurring payment falls on a non-business day or holiday, it will take effect the next available business day. Therefore, these principal payments should be applied when they are received every 14 days. Currently these principal payments are being applied the same day the full contractual payment is received. I have attached further explanation and documentation to support this unfair practice. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I took out a loan with One Main Financial in XX/XX/XXXX. I purchased XXXX insurance as part of the loan through One Main Solutions. I became XXXX after taking out the loan. I filed a claim with One Main XXXX in XX/XX/XXXX providing them with a copy of my award letter from the Department XXXX XXXX XXXX showing 100 % unemployability. One Main XXXX advised that they could not cover the claim because of pre-existing conditions. I advised them that I had not received any information at the time of purchase or afterwards advising of these exclusions. I went back and forward with One Main XXXX from XXXX - XX/XX/XXXX. During this time my health declined and I picked up a new XXXX and applied for coverage under that XXXX. One Main XXXX continued to play with me by sending a notice that the doctor did not complete the form fully. I do not understand why One Main XXXX would not have followed up with the doctor directly for the missing information as the XXXX form it requests the doctor 's telephone, fax, and email address. This was a way for One Main XXXX to continue to avoid paying the claim. One Main Financial and One Main XXXX  worked together to charge off my account which in return canceled my XXXX insurance with XXXX XXXX Solutions so when they did approve the claim they would not have to pay future claims. My vehicle ended up being repossessed right before XXXX approved the XXXX claim. In addition, XXXX advised me that I would have to pay the full balance due on the loan to recover my vehicle since it was in charge-off status which caused me to file for bankruptcy protection to recover the car. In Maryland, I should have been able to recover the car by just paying the past-due balance and repo. fees. XXXX sent me a letter dated XX/XX/XXXX advising that there was a refund due to canceled insurance however the credit does not show on my account. They never applied the credit for the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I asked them to verify that accounts belonged to me. XX/XX/21 I asked again. XX/XX/21 I sent a letter letting them know that they have not responded and or asking how they verified accounts they claimed had been verified. XX/XX/21 I sent another letter letting them know it's also one specific account that I showed proof that the collection agency can not validate the debt.
Product: Debt collection

In XX/XX/XXXX I received an alert on my credit report showing delinquent accounts that had been given to a collection agency. This had happened to me previously, 2 years prior and similarly, I had no knowledge or consent given regarding the accounts and with deeper inquiry had found inaccurate addresses listed in my personal info on my credit report as well. The accounts were quickly verified as fraud and I had my credit report updated to remove the incorrect Georgia addresses as well as a fraud alert statement added and then my credit frozen with all 3 bureaus ; this was completed in XXXX and neither the alert nor credit freezes had been removed when I received notice of these new " delinquent accounts '' in XXXX of this year. 

I reached out to the collection agency, IQ Data International using the information listed on my credit report and was told that they would mail me a fraud packet regarding the fraudulent activity from XXXX XXXX XXXX ( GA ). When I hadn't received this packet within the week, I called back for an update and was told it had already been sent, but since I had been told by their agents that I would only have 10 days to dispute the charges, I requested a second packet be sent. In the meantime, I sent my own packet to the collection agency with my ID Theft Report, a notice to furnishers, and my government issued ID on XX/XX/XXXX. I received from them 3 days later a letter informing me of the debt they were holding me accountable for, and at that time I mailed them back their requested copy of a police report, proof of residency ( I have never lived in GA and have been at my current residence for XXXX years ), and my government ID. 

On XX/XX/XXXX I received the initial packet back in the mail as undeliverable, so I called the collection agency to check for updates. They confirmed they had received my response to their letter and said they had reached out to the supervisor at the apartment complex. I have been unable to find valid information online for the apartment company listed as the initial account, and the number I did find was someone's personal phone line ( they hung up on me when I asked questions ). I asked the IQ Data agent if they were able to also give me the address for the complex so that I could send them notice of my identity theft and they quite aggressively told me they would not do that and that I could wait a week and call them back to see what they decided and then they ended the call. I called back immediately and asked an agent for a good mailing address to send in additional documentation ( the packet that had previously been returned as undeliverable ) and was given an email address that I used to send over that initial packet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. There are fraudulent inquires on my credit report that I noticed. I attached my Identity theft report with my State ID
Product: Credit reporting or other personal consumer reports

Reporting to all three credit bureau agencies that Im a victim of identity theft and I havent applied for a loan
Product: Checking or savings account

I deposited a check into my savings account and PNC put a hold on it way back in XXXX XXXXand they refuse to release the hold on my account. The check is totally legit and was signed over to me from a friend of mine that is no longer in the state of Colorado.
Product: Credit reporting or other personal consumer reports

In XXXX i called XXXX XXXX XXXX to do a voluntary repossession because covid made my job shut down and my income was becoming to looking unreliable so they got the car and a month later they reported on my credit that the car payment was late even though when I gave the car back I was currently on my payments Than XXXX months later they auction off the car and it sold for more than i owed so i was given money back than they put account closed paid in full or sold to a collection on my account remarks which wasnt true so lenders thought i owed on that account than going on almost XXXX years later they changed my remarks into a repossession so my credit score dropped XXXX points on XX/XX/XXXX on a account closed almost XXXX  years ago in XXXX iand they havent reimburse me for the remaining months of the gap insurance I didnt use
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( Experian, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXXXXXX XXXX XXXX can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of {$24000.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$780.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

on XX/XX/XXXX, I purchased a car at XXXX of XXXX for the amount {$43000.00}, I had been making a payment since XX/XX/XXXX. l recently noticed that capitalone took more interest rate than the money that goes to the principal account. I asked them about it and why, and all they could tell me is, if I know that I signed up for daily interest. I answered that I know what I signed up for, I went to XXXX of XXXX to get the fact and documents I signed, it was completely different from what Capital was saying. 
my car payment is due on the XXXX  of each month, and I was told I have a grace till the XXXX  of each Month. because of my income and being a single mom, I schedule an automatic debit for the XXXX  of every month so I won't have to forget the loan payments. I make all my payments from XX/XX/XXXX till XX/XX/XXXX, I never missed any of my payments at all, and I still have my car with me to date. I checked my XXXX  XXXX and to my surprise, I found that XXXX reported me for no payment dropping my credit score by 10 % in just one or two days my credit went up. this is the heart of wickedness.
Product: Checking or savings account

We went into the bank on XX/XX/XXXX to report fraudulant activity on our savings account and to close the account. The bank filed a claim. Fraud investigated and saw that their was suspicious activity on our savings account prior to what we noticed and were reporting to the bank. The fraud department reviewed our account, gave us a temporary credit for for {$1.00} which covered the initial debits to our savings account ( in which we never noticed ). 
XX/XX/23 {$1000.00} XX/XX/23 {$1300.00} XX/XX/23  {$1400.00} XX/XX/23 {$960.00} XX/XX/23 {$530.00} XX/XX/23 {$420.00} XX/XX/23 {$540.00} XXXX/XXXX/23 {$640.00} XX/XX/23 {$300.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$1.00} Our savings account is not tied to anything. All of the debits were done by hacking and scam. We filed a complaint with XXXX and have requested an investigation. We have put a freeze on all 3 credit reporting agencies, are changing banks, have registered for life lock for monitoring on all of our financials. 
XXXX and Chase both are denying reimbuising us and just tell us to contact the other company. We have been loyal customers to Chase bank for over 20 years and can not believe this happened to us. We cant believe that Chase bank is not taking responsibility. Public record they were hacked last XXXX after we did some research trying to find out how this happened.
Product: Credit reporting or other personal consumer reports

I am the beneficiary and this company has caused immense damage the my estate!!!!!! 
THIS COMPANY IS ACTING ULTRA VIRES AND ILLEGALLY This have stolen my identity and used it improperly for fraud. I have gave this company proper notice and it is tacit from their response! Respect the FTC affidavit, proof of wet signature, Proof if consent from surety to transact. Proof of deletion of certificate of indebtedness, proof of 1099c copy b, proof of forward flow agreement!!!!! 
I will go to the XXXX and arbitration if this account is not removed immediately you have XXXX  days. I have already been contacted by a local attorney whom which im thinking about hiring. Respect the FTC affidavit, proof of wet signature, Proof if consent from surety to transact. Proof of deletion of certificate of indebtedness, proof of 1099c copy b, proof of forward flow agreement. You have no legal right to report. PROVIDE THE FOWARD FLOW AGREEMENT!!!!! YOU DO NOT HAVE PERMISSION FROM THE SURETY WHICH IS NO CONSENT AT ALL WRITTEN OR VERBAL TO TRANSACT. I NEVER DID BUSINESS WITH THIS COMPANY AND I REFUSE TO DO BUSINESS WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Product: Checking or savings account

My father passed away in XXXX of 2021. He has business accounts at Wells Fargo. I am the executor of the estate and have become the member and XXXX XXXX of the XXXX. Ive provided all required proof to Wells Fargo but they still arent giving me access to the accounts. At first they just kept telling me theyd call back when they found out what the next steps were but now they dont call back or return my emails. I need these accounts to XXXX  the XXXX.
Product: Credit reporting or other personal consumer reports

To my disbelief, I found inaccurate accounts on my credit report this morning, and I cant understand why this happened. I routinely check my credit report, but this time, there were discrepancies that appeared without warning. I tried refreshing my browser, hoping it was a glitch, but the errors didnt go away. Im urging a thorough review of the documents Ive submitted to resolve this once and for all.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXX violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Cap1/walmart to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reported as delinquent and repossession with a balance. The vehicle was sold in house by dealer XXXX XXXXTotal Auto Finance after possession, assuming full payment of balance immediately. XXXX failed to provide proper notices after repossession, including notice to sell or balance charges. XXXX offered to remove balance only if another vehicle is purchased with a new loan with creditor and threatened to continue reporting inaccuracies. I have proof of the vehicle being listed/sold on the dealership within XXXX week of surrender and also proof of lender providing inaccurate balance/amount information. In the state of VA, creditor chose to keep vehicle and not send to auction so balance is XXXX. There were many of discrepancies on this account included a gauged price and improper collection violations. Vehicle was surrendered in XX/XX/2022 and to date I have not received any balance letters, final account statements, the REQUIRED notices following the voluntary repo, or any other legal notices regarding this account. Creditor is only willing to offer a new vehicle and loan to resolve the balance. Please delete this account from all credit reporting agencies immediately as consumer rights have been violated.
Product: Checking or savings account

XXXX posted incorrectly to my account taking more money than they should have. They admitted such and were advised I would ask the bank not to pay and put a claim in since they put XXXX an XXXX  and fee charged status. The bank was asked to deposit the money into another account but refused. XXXX supervisor refused to do such or pass me to anyone else. Basically kiss off. Am I the customer? Is it not my money? And why are they protecting a billion dollar business that has admitted they billed in error while subjecting me to returned items and other possible charges and acct impacts. If you call this consumer protection how sad. Call itcwhatvitcis protecting big business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ID XXXX XXXX - XXXX FILE # XXXX - EQUIFAX - Unknown MULTIPLE FAILED ATTEMPTS TO HAVE NEGATIVE INFORMATION AND OLD ADDRESS REMOVED FROM CREDIT AGENCIES Including multiple disputes and letters. 

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, TX XXXX To whom it may concern : In reference to 15 U.S. Code 1681 Law, Accurate and Fair Credit Reporting I am asking for removal of ALL NEGATIVE ACCOUNTS, LATE PAYMENTS AND OLD ADDRESSES. I HAVE MADE NUMEROUS ATTEMPTS REQUESTING THIS TO BE DONE BY ALL AGENCIES ( EQUIFAX, XXXX, & XXXX ) AND THEY HAVE NOT COMPLIED WITH MY REQUESTS. 

These negative accounts reported on my credit reports have been a hindrance on my life. I have made multiple attempts to have them removed from Equifax, XXXX and XXXX. and I would appreciate if you would enforce any action needed to the 3 major credit reporting agencies to have these accounts removed. This is a defamation of my character and has resulted in a failed attempt to become a first time home buyer. 

I HAVE ATTACHED MY ACCOUNT NUMBERS FOR EACH AGENCY for reference. Also attached is a copy of my drivers license and a current bill to prove my identity. 
Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX