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

U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
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Product: Credit reporting or other personal consumer reports

Experian consumer report the negative item was never removed from my experian credit report theirs is a federal trade commission identity theft report on file please have experian remove the negative item ending in XXXX social security number is XXXX
Product: Mortgage

About a month ago I was cold called by PennyMac. I am self employed, which I disclosed during the call. 

The officer asked if I had filed my XXXX, and XXXX taxes. While I have an approved extension for my XXXX taxes, I have not filed either due to proof of certain COVID related deductions to arrive. 

The officer asked if I had prepared a return. I did, but I had not filed it. So I provided that as my XXXX proof of income. 

He asked me for a credit card, which I gave him, for an inspection deposit. 

Since then I have spoken to many others at PennyMac, each time disclosing that the XXXX 1040, was not a filed return. 

I have also emailed the original officer and asked him to withdraw the application, after I found out that we would not be filing until the middle of XXXX. 

Moreover the refinance offer was a terrible deal. While I acted out of a sense of obligation and continued to supply the requested documents, after running the numbers here was the offer. 

I currently have a primary and second mortgage. The primary is an FHA at 3.25 % with about 25 years, and {$110000.00} remaining. The second is a guaranteed XXXX XXXX for {$40000.00}, at 9.1 %. I also have {$12000.00} in COVID relief owed at 0 %. 

The current sum of my monthly payments is about {$1500.00} a month. 

I am unsure of the new rate, but the deal was {$180000.00} for 29 years, with no PMI, for about {$1300.00} a month. 

I also needed to bring about {$1500.00} to closing and pay for an appraisal which I guess I have already paid for, but have not scheduled due to the issues with the proof of income. 

After reviewing the paperwork, it seems quite clear that by proceeding with using the unfiled XXXX as proof of income, I would be committing mortgage fraud, and that since the lender was required to verify the return with the IRS, engaging in the loan, at a minimum would cost me my house. 

I don't understand how knowing that, several licensed loan officers have continued to ask me to continue the application.
Product: Credit card

On XX/XX/XXXX I sent a payment of {$1700.00} to Wells Fargo on a XXXX department credit card with a balance o {$1500.00}. I sent more to cover any additional financial charges to pay this account off. On XX/XX/XXXX Wells Fargo applied the payment to my card leaving {$130.00}, I called on XX/XX/XXXX to confirm when I would receive my credit back and was told at that time I would receive in 2-4 week. On XX/XX/XXXX I call to confirm payment was received, and that I had a credit of {$130.00}. I was told that I should receive the check by XX/XX/XXXX. I called a 3rd time and told them I had not received my check on XX/XX/XXXX. I received my billing statement around XX/XX/XXXX that showed they had applied the {$1700.00} and I had a credit of {$130.00} refunded on XX/XX/XXXX. Again I was told I should receive the refund by XX/XX/XXXX ( Different date than XX/XX/XXXX ). My 4th call on XX/XX/XXXX I told them I had not received my check, Wells Fargo responded it would be by XX/XX/XXXX, yet again different date. We are now one month from the time they applied my payment on XX/XX/XXXX. 5th call to Wells Fargo was made on XX/XX/XXXX, I told them I had not received my check, it went from the Representative, to the Supervisor, to an Executive Officer, to a Corporate Compliance Researcher. I was told they would have to cancel my check and I would have to wait another 30 days to receive my credit. The gave me a case number XXXX. On XXXX ( 40 days from applying my payment ) I called XXXX XXXX at XXXX XXXX XXXX XXXX Ext XXXX, three times and my calls went straight to her voice mail. She has not returned my call, Well Fargo has had 3 business days to research why and tell when I will receive my refund and I have not heard any thing back from them. I have attached my last billing statement to show when the credit was applied and when they said they refunded my money however they can not product any documentation showing a check has been chased or if they even mailed the check. I 've waited 40 days for this and was counting on that refund to help pay off another debit. I have gotten no where with Wells Fargo, I keep getting bounced from one rep to another or my call to XXXX XXXX are not being returned. In light of what Wells Fargo has done to other customers in the news, I want my money back so I can close out my account and leave this company. I need someone to help me. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 2 account under my name both individual accounts one was closed and the other charged off. I don't recognize The name of the card company the Acct # say this is mine. The name on my all 3 reports are the same this isn't mine. These account one is from XXXX the other from XXXX. Till I know what this stands for I can't say this is mine. I own only 1 XXXX XXXX   Credit Card, 1 XXXX  and 1 XXXX XXXX mastercard totaling 3 credit cards that should be active on my credit reports. Everything else isn't mine and needs to come off. So till this entity comes to light I will denny this on my credit. I don't recieve mail from this company as it is on my credit report. So if you say your mine I want proff from the USPS,  whom delivered my mail the day the statements were sent out. I want 100 % acquite information from where this acct was open, signature, proff. Not just your word I need action Proff. Paper trail I need answers and I need them Today.
Product: Debt collection

Requested removal of wrongful debt owed. XXXX and XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services.
Product: Credit card

I've always made sure payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit card or prepaid card

so I have the XXXX XXXX card and I had the 18 months no interest on the account I haven't been getting my statements the last few and I thought I had until XXXX before the big interest payments hit I look at the my credit report a few days ago and to may suprise XXXX payment intersest hits I had no idea it was coming now. I thought I had until the end of XXXX and another thing there cut off times on payment are very very unreasonable where they make it 3 o'clock my time out here which is ridiculous all these payments are made on the same day they are due its not fair they have due at 3 mountain time. the last 2 late payment which total XXXX the XXXX of minimum charges on the account and this XXXX balloon interest they put all on the XX/XX/XXXX when I thought I had until XXXX all unfair so. I made a payment of {$2800.00} which is everything I owe minus the XXXX late fee 6 minimum finance and the XXXX finance balloon they just barley put on there XX/XX/XXXX which is unfair. I just paid the XXXX which is everything I owe minus all this and I ever tried to call and work it our with there customer service who refuses to listen to me and wanted to lift a finger to help they have all there money on the ring that I bought there is no reason they need to be greedy unfair and stick it to me this is paid in full they need to waive all the extra intersest and finance charges and the 2 late fees they are paid in full and they need to work with me, there customer is rude and refuses to help I can afford this extra XXXX especially and they are paid in full there is no reason they need to charge this
Product: Checking or savings account

I tried to use PNC Bill Pay to pay out a required distribution from an estate account. After 2weeks where PNC Guaranteed delivery had not occurred of the payment, I demanded the Bank issue a stop payment on the check they had written and informed them that I would issue a handwritten check to pay out the required distribution, PNC failed to stop payment on the check they had written and instead issued a stop payment on the new check. PNC has refused to refund the fees associated with the payment claiming they have not made an error ( in either not delivering the check they as guaranteed or not stopping payment on the correct check ). I have wasted numerous hours fighting with them and at this point want the fees and my hourly wage reimbursed for their incompetence.
Product: Checking or savings account

I just found two unauthorized transactions on my XX/XX/XXXX Bank Statement, a debit to XXXX for {$140.00} of XX/XX/XXXX snd a debit to XXXX XXXXXXXX for {$2500.00} of XX/XX/XXXX, and called Wells Fargo to dispute these transactions. I was told that it was not possible to dispute the transactions as the phone operator could not retrieve account information since the checking account in question had been transitioned to a new account due to past fraudulent transactions.
Product: Credit card or prepaid card

In late XXXX I bought several thousand dollars of furniture from XXXX. 
I had an agreement to pay the furniture off without interest. I understood the payments to be due no later than XX/XX/XXXX. I made payments monthly prompted by an email sent to me. An email came monthly from XXXX XXXX stating your payment is due. I set the date for payment on the automated system and kept track of my payments as I was eager to pay the balance due before the end of the initial term. 

In XX/XX/XXXX with a balance due of {$610.00} I made my final payment. 
I was subsequently sent notification that the end of the time period to pay without interest had lapsed in XXXX. I was told that I should have looked at my statements to know this. However, I've repeatedly explained that the emails and statements I received and responded to monthly were not clear about when the term would end to pay the loan in full without interest. I have paid off such loans before and it has always been clear when funds were due without interest. I feel the information was hidden from me by virtue of my having to click through several layers of information on line to see this deadline ... rather than clearly stating the deadline was coming in the email itself or certainly on the page where I set up monthly payments with my bank. 

I have called the company every few weeks since early this year to settle the matter and negotiate a settlement with the Bank. The people who work there are completely incapable of helping. They listen, put me on hold, send me to another person, who states they can help and they really are not able to do so. 

As the months have gone on XXXX/XXXX XXXX just keeps adding more interest and more late fees to the account. Where I owed {$610.00} in XX/XX/XXXX, I now owe {$1100.00}. 
Late fees and interest are added monthly. 

They instructed me several months back to go on their website and explain my issue in their consumer center. I did so. I waited for an answer. First they did not answer. Then they answered in a general letter, but never addressing my specific problem. I called again asking if I could negotiate with someone in collection as months had gone by as I am willing to make a payment of some kind. By that time I was 6 months in arrears. They told me they would issue me a credit ( which they did not ) and reset my delinquency back to month one, explaining this would help me. Of course, it did not help me. While this is going on, I have received a 100 robo calls or more all day long on my cell phone and home phone number. During the robo calls no one who calls me has read the details written by the various employees who I had already spoken with. At one point, the robo caller suggested I " contact a lawyer before it is too late. '' I have been eager to settle the matter for months. 

Can you please help me find a solution. I feel they have dragged me on intentionally with all my calls and all their robo calls just to add more interest and add more fees. I've read about them on line too and see they are known for these kinds of actions.
Product: Mortgage

Green Tree assumed my mortgage from XXXX in XXXX XXXX. When I refinanced my mortgage loan with XXXX, XXXX. in XXXX XXXX it included a " No Prepayment Penalty ''. When Green Tree assumed the loan they have now added that I have a " Prepayment Penalty ''. I have called Green Tree XXXX times to resolve this issue. My most recent call was today XXXX XXXX/XXXX/XXXX XXXX. The Green Tree service representative stated that they sent me documents on XXXX/XXXX/XXXX and if I wanted to dispute this issue I am to refer to those documents. I told the representative that it has been twelve days and I have not received anything. I would like this issue to be investigated. I have my copy of the XXXX refinance with XXXX
Product: Credit reporting or other personal consumer reports

Hi Experian , I RECEIVED A COPY OF MY CREDIT REPORT AND  I SEE  THIS FRAUD ACCOUNT THAT NOT BELONG TO ME  .
THIS XXXX XXXX XXXX XXXX FL XXXX IS WHERE THE FRAUD CREDIT CARD IS ATTACHED AND THAT IS NOT MY ADDRESS.

DELETE THIS FRAUD ADDRESS XXXX XXXX XXXX XXXX FL XXXX 


XXXX XXXX  ACCOUNT XXXX XXXX  IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT . 

ACCOUNT BALANCE IS XXXX  AND I NEVER KNOW ANYTHING ABOUT THIS CREDIT CARD .
Product: Credit card or prepaid card

I have got 3 Fraudulent hard inquiries on my credit file with Equifax. Upon checking my credit report, i saw the fraudulent hard inquiries and went to the local police station. I got sent out of the office with the request to file it with the Federal Trade Comission and get an FTC report. I had to send that to the credit bureau with the request to remove that. After i did everything what was told me to do so, Equifax did not remove anything. I called Equifax to see whts the status on my disputes. They told me that FTC its not a legaal document and that they can not remove the fraudulent hard inquires. XXXX and XXXX  did so, but Equifax came with the sense like, we dont care you have to go behind it and contact every bank where i got an hard inquiry from. Thats crazy!!! Consumer rightts is saying that the credit bureau HAS to do it in 4 business day to report to the banks where ever consumer gets fraudulent item reported to.
Product: Checking or savings account

Capital One has essentially locked me out of my money. I keep my debit card locked to prevent fraud and they have a defect where if they renew your card while its locked, it remains locked until your new one arrives which is typically 7-10 business days. Capital One manager confirmed that this is a long standing known issue that higher ups have been ignoring. So I dont have access to my debit card. They said I could use XXXX to transfer between my XXXX and XXXX account. I attempt the XXXX and they block my account for suspicious activity because I havent used XXXX in over 30 days ( never. Ive never used XXXX ). XXXX claimed that XXXX is saying they blocked it because I recently changed my password, which I didnt. I try to do a transfer and they want to verify deposit amounts. Which takes 1-3 business days. There is most likely another known issue where it asks that youre verify accounts because an account already in the system has fresh micro deposits sent for verification today ( XXXX ). Wire transfers cost money and they wont refund until after its posted. I cant pull from XXXX XXXX or XXXX XXXXXXXX. XXXX says 3-5 days. Im starving cause I havent eaten today and want to go run errands and eat lunch. Been working since 7. I have my discover account but keep most of my money at XXXX. Im afraid to even spend anything cause I legit dont know when Ill get my money back. Ive already opened a different account ( which they wont let me transfer from because apparently XXXX is saying the personal info doesnt match ( it does ). Managers have been super condescending and hung up in my face. Managers say they are filing complaints and never ask questions about the issues. You have to request any type of follow up. The managers are incredibly nice nasty.
Product: Mortgage

My mortgage got transferred to a new company. I went to set up automatic payments and get caught up on my loan payment. I set my XXXX time payment for immediate payment and my auto pay for The next month. I got double charged immediately. They carried my auto pay over without telling me. I told the company to stop or cancel payment while it was pending and they refused. They said I have to submit my account statement for a refund. I can not get that until next month. They charged exactly when my statement was released and would not show the double charge until next month.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am submitting this letter to dispute inaccurate late payments reported on my credit file maintained by Experian. The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not align with my actual payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments listed are inaccurate. My account has consistently been in good standing, and payments were made on time as I am enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These inaccuracies violate FCRA regulations ( 15 USC 1666 ( b ) ), which require accurate reporting of consumer credit information.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments could also breach FDCPA provisions protecting consumers from misrepresentation.

Truth in Lending Act ( TILA ) : The inaccuracies further violate TILA, which mandates accurate disclosure of credit information.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, credit reporting agencies must ensure the accuracy of consumer credit information. Noncompliance can result in civil
liabilities under sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution I request that Experian conduct a thorough review of this matter and remove the inaccurate late payments from my credit report. Please update the entries to reflect my actual payment history of 100 % on-time payments. 
Attachments Copy of my government-issued ID.

Copy of my Social Security card.

Proof of current address ( e.g., utility bill or bank statement ).

Copy of my full credit report highlighting the disputed account and inaccurate late payments.

I look forward to receiving confirmation of the resolution within 30 days of this letter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I purchased a car over two years ago and Santander Consumer USA financed the loan. I was not aware at the time that the interest rate was over 16 %. This high interest rate raised my car payment to well over {$640.00}. At the time of purchase I was able to make the payment but after being demoted and pay rate being decreased, I contacted Santander for help and they offered me an auto loan modification for six months which lowered my car payments to a little over {$380.00} and I was able to make the payments for that time. I decided to seek another car and attempted to trade the car they financed in for a cheaper and more affordable car payment only to find out that the pay off for this vehicle was over {$30000.00}. I was told by the dealer that I was victim of a predatory auto loan where all of my payments were only applied to interest and not principal. I am trying to find out if this type of loan is legal and is there anything I can do to get them to lower my auto payments. The dealer stated the large payoff amount is the reason why I can not get into a cheaper car and why my principal payments are not going down? I have made payments in the amount of over {$12000.00}.
Product: Money transfer, virtual currency, or money service

SoLo Funds Inc. uses a digital wallet to allow deposits and withdraws onto customer accounts for the purposes of funding and accepting personal loans in a peer to peer loaning system. I have been using Solo Funds to lend to those in need on the platform. 

As of XX/XX/year>, I have {$430.00} USD that has settled in this mobile wallet. My bank and debit card have been verified with SoLo 's verification system, and although I am able to deposit funds in order to fund other user 's personal loans, I am unable to withdraw any of the funds that exist in this wallet. 

I have made multiple requests for this issue to be rectified. SoLo Funds has failed to respond in a timely manner or provide any explanation as to when these funds may be withdrawn.

Additionally, many of the personal loans that I have issued to various users have ended up being paid late due only in part to system 'glitches ' that SoLo refuses to elaborate on or rectify, which has caused monetary losses for me, and in return SoLo has dispersed 'SoLo credits ' to me for these late payments. These credits can not be withdrawn from the account, which means the credit balance has to be re-lent to other users. This is separate from the actual settled cash ( {$430.00} ) that exists in my wallet that can not be withdrawn. As of XX/XX/year>, I have {$140.00} in SoLo credits, all stemming from a single loan that was paid late due to SoLo 's banking issues. If SoLo did not have these issues, I would actually have settled cash instead of these 'credits ', yet SoLo refuses to acknowledge this. 

SoLo Funds is currently demonstrating what I believe to be fraud and possible insolvency due to the use of their banking partner, Synapse, which recently collapsed. I believe that money is being frozen and these personal loans are being purposefully defaulted on in order to prevent users such as myself from withdrawing money. Please investigate this issue to the fullest extent of the law.