23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a dispute with Wells Fargo on XX/XX/24 after being charged {$140.00} for using XXXX XXXX XXXX XXXX XXXX. In the attached images you can see my emails fully describing the incident. The garage had a misleading sign saying their max rate was {$30.00} per day, I was charged over four times that amount for being there nearly a day and a half. After speaking with Wells Fargo I was told it would be handled. I was notified on XX/XX/24 that more information was needed and that the investigation would close. I didn't see the email until XX/XX/24 so I called ( their numbers are XXXX & XXXX, as seen in the attached images ) and made sure the case was reopened after submitting more information. I checked in again on XX/XX/24 to get updates and the representative told me the case was being worked on. After more time passed with no updates I called every other month & started getting conflicting responses. For example, one agent told me they never got the emails then after my persistent questioning they'd find the email. It got to the point where one agent I spoke to told me too much time had passed to work on the case and there was nothing they could do. On XX/XX/24 ( the screenshot says XX/XX/24, it's hard being the one to log everything ) I told the agent to move this up to a supervisor so they claimed they did. I called a few days later to confirm it was done and the representative said it was, the case at the time was pending. I have no idea what work they've been doing for the past 6 months. I just spoke with someone today XX/XX/24 and the response was bizarre, I spoke to an agent and then an advisor who claimed it was too late to work on the case and that I never made calls during it's active period. Luckily I documented most of the calls because they clearly aren't. As of now, they said they're looking into it again after I emailed them my call screenshots but at this point, I don't trust them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXX IN Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}
Product: Checking or savings account

I deposited a check for {$1000.00} On XX/XX/2023 Chase Bank thought that this was suspicious activity and put a hold on my check until the XXXX which they said would clear and my account would be unrestricted however after the check cleared in my account for {$1000.00} they came up with a new issue and said they needed to verify the check with the issuing bank bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed my name and that the funds we're available and the check cleared however then they came up with another issue wanting to know the third XXXX bank information from which I use the bill pay XXXX  XXXX XXXX does not validate third party information with that being said the check cleared XX/XX/2023 now chase has restricted my account and will not give me access to my funds. and have claimed that they will never release the money until XXXX  XXXX XXXX gives them third party information this is very unusual and no bank verifies third party information therefore I have no way to get my money
Product: Mortgage

I was trying to pay extra principal to my mortgage account on this pandemic time while many people are having financial hardship and deferring payment.

on below date i transferred my saving account money to mortgage account. before i did those 2 extra payment my principal balance was {$80000.00}. it's very simple math to deduct {$30000.00} and remaining balance should be {$50000.00} but Bank of America is showing {$60000.00}. 

XX/XX/2020 Extra Principal Payment {$20000.00} XX/XX/2020 Extra Principal Payment {$10000.00} I call BOA mortgage department, debt collection dept ( XXXX ) more than 20 times, every time they pretend they understand but can't change amount because they have their system upgrade and need to approve it from mortgage  department. 
I see many reversal posting in activity which is causing this issue.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT!!!! 


XXXX XXXX XXXX  is internationally ignoring my request. Legally thats considered willfully ignoring and in compliance to fair credit reporting. 

I simply asked for the details of the allege purchases that were made on the account that was not paid. Please provide charges made along with the dates and company that process those charges information/name and location. 

Ive filed XXXX complaints and none of them prove their were charges made to the account that was unpaid. XXXX XXXX is begging to mark my complaints as duplicates and willfully ignore my request. I will continue to file complaints building my case against XXXX XXXX Trans Union and XXXX who has wrongfully inflicted damages on my financial records. Allowing the reporting of this information knowing the willful disregard is also punishable with compensation of damages. There has never been any information about the alleged charges provided in any response. 

XXXX XXXX is a scam and theyre refusing to give this information because there were no charges made to the account when it was active
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Equifax has been reporting this alleged debt on my credit report not providing me with any proof of the alleged debt. I have written Equifax 3 letter 's to no response at all. I know that COVID has a big part in response, my first letter was sent to them in XX/XX/ still no response from Equifax. I'm submitting all 3 letter 's that I've submitted to Equifax with no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found that I was the victim of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. I then obtained my credit reports and have found the following inaccurate information which I demand be immediately removed from my credit reports. 
Creditor : XXXX XXXX Account Numbers : XXXX Balance : {>= $1,000,000} Balance : {>= $1,000,000} Balance : $ Status : Past Due XXXX/XXXX/XXXX This information is inaccurate and false. These balances are the result of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. Upon realizing this I immediately contacted local law enforcement officials and they completed a police report. I have attached a copy of the police report from the XXXX XXXX Police Department XXXX XXXX XXXX for your review. XXXX XXXX has suggested you call him if needed at 717-274-Therefore, I demand that these accounts be removed from my credit immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX  ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX DATE XX/XX/XXXX
Product: Student loan

Student loan was placed into administrative forbearance and is accruing interest. Previously was on the repaye plan and now on save. Both of which have reduced interests payments. Called to be placed on save and to start payments, but they are unable to process the plan. 

This is very frustrating and is accumulating over {$1000.00} of extra interest every month.
Product: Money transfer, virtual currency, or money service

Truist bank offered a checking acct promotion whereas if XXXX deposit {$1000.00} within a specified time frame via electronic transfer, one will receive a {$400.00} bonus. I completed all requirements within the allotted time frame and was sent an email stating I did not qualify. I have been trying to reach agents within Truist and they continually stall, transfer, disconnect or have no idea what I'm even talking about. I have all documented evidence that I complied with this offer and all deposits were issued through my employer, XXXX XXXX XXXX.
Product: Credit reporting

Disputed collection in credit file. Collection was removed. Collection has now been reentered under different company with the original company still attached to reporting. Disputed collection and now states it is mine. In addition to 7 years since original account. Past the reporting act as well. Company in two violations of fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX
Reported: XXXX XXXX XXXX
$XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Balance updated -
ccount info
Account name
XXXX XXXX
Account number
XXXX
Original creditor
-
Company sold
-
Account type
Credit card
Date opened XXXX XXXX XXXX
Open/closed
Open
Status
Open/Never late.
Status updated
XXXX XXXX
Balance
-
Balance updated
- XXXX XXXX XXXX
Credit usage
-
Monthly payment
XXXX  Last Payment Date
XXXX XXXX XXXX  Highest balance
XXXX
Terms
-
Responsibility
Authorized user
Your statement



Hard Inquiries XXXX XXXX
Inquiry: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax:
XXXX XXXX******
Transunion: XXXX********
Identity Theft
close
Negative
close
Negative
delete XXXX XXXX XXXX  Equifax: XXXX***************
XXXX: XXXX***
Transunion: XXXX***
Identity Theft
close
Negative
close
Negative
close
Negative
delete
XXXX XXXX
Equifax: 409970***************
Experian:
Transunion: XXXX***********
The following account is not mine
close
Negative
close
Negative
delete XXXX XXXX XXXX
Equifax: XXXX*******
Experian: XXXX*******
Transunion: XXXX*******
Identity Theft
Product: Mortgage

I was due to close on XX/XX/XXXX with a doc signing appointment at XXXX AM. My final closing documents did not arrive until after XXXX AM and I was already enroute to the title company, so I was not aware of a {$5000.00} error in reimbursable closing costs due to me by the seller until I signed the docs. The error was flagged by the title company as an XXXX violation when they did their check. Unfortunately, I signed the docs hoping to work it out after and the seller refused to cooperate. I was not notified prior to signing the documentation and I did not understand what caused the {$5000.00} error. When I contacted my loan officer about it he said there was nothing he could do and it wasn't his fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have more than XXXX payments that qualify for the PSLF program. My servicer, MOHELA, processed this paperwork in XXXX, but they only applied the information to some of my loans. My account currently shows that I have over $ XXXX of loans with XXXX payments. This is incorrect. I have lost track of the number of times I've called. In my most recent call, in XX/XX/XXXX, I asked if MOHELA needed anything from me to update these payment counts. The representative said, " your account is good '' and " just give it time. '' They promised that the counts would be updated after the first of the year. We are now approaching the second quarter of XXXX, and there has been no update on my account and absolutely XXXX communication from MOHELA. 

The problem is that MOHELA does not process paperwork accurately and does not communicate factual information. My loans should have been forgiven long ago, and I do not understand why MOHELA is being paid to process loan forgiveness when they are not doing their job.
Product: Credit reporting or other personal consumer reports

After multiple attempts to correct my credit file with XXXX, I am submitting this complaint. The agency XXXX Real Time Resolutions ( RTR ), obtained old information ( XXXX  ) from the now defunct XXXX company ; post-XXXX Subsequent to filing disputes, this information has already been removed from both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem with XXXX  has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over 30 days must be removed. By this incorrect information staying on my report i a paying 14 % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.
Product: Mortgage

My home was wrongfully foreclosed XX/XX/XXXX while my modification was still being processed with Ocwen Servicing. Ocwen Servicing agreed to rescind the property foreclosure sale and modify my mortgage loan to lower my payment. My mortgage has been modified, but Ocwen is reporting on my credit report Foreclosure redeemed. That is incorrect information that has reported to the credit bureau 's. I would appreciate your assistance in this urgent matter. This information on my credit report has hindered my employment opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving   XXXX   credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  X/XX/2017   . They responded to my letter stating that they received an electronic application from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated  XXXX   XXXX  and  XXXX   XXXX    XXXX  .     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.
Product: Credit card or prepaid card

I made a purchase in XXXX via XXXX using my Chime XXXX XXXXr card. Unfortunately I never received the product ( it was sent back to the merchant ), but I was still being charged. XXXX couldn't do anything & the vendor was refusing to refund my money, so I did a dispute with Chime. Even after providing proof that the item was sent back to the merchant, they closed the dispute in the merchant 's favor. Due to this, I closed the card. A few days later, the merchant FINALLY credited the money back, but since the account was closed, it was sitting in " limbo ''. I was told by multiple representatives and even a supervisor that once all final charges hit ( which made no sense because I couldn't spend what wasn't available on the card ), the funds will be sent to me. First, they said it would be transferred to the checking account that I have open, but then I was told it couldn't be. I was later told a refund check would be sent.. and I'm still WAITING. I filed a complaint with the XXXX and Chime went in circles & the XXXX dispute specialist suggested I make a complaint with the CFPB as well.
Product: Mortgage

I have a reverse mortgage on my home of XXXX plus years. The lender is XXXX XXXX XXXX. Settlement date was XXXX XXXX. XXXX, XXXX, XXXX transferred servicing of loan to XXXX XXXX XXXX. XXXX went bankrupt and servicing of the loan transferred to Carrington Mortgage services , LLC . XXXX became the servicer on? 
XXXX XXXX, I listed a XXXX piece of vacant land known as XXXX XXXX on a certified survey done by XXXX XXXX XXXX XXXX XXXX ) XXXX ). I soon learned there are XXXX separate {$300000.00} loans, XXXX on my house, XXXX XXXX, XXXX on XXXX XXXX XXXX describe both parcels as the same although the legal descriptions are different. I applied for a partial release of lien and received an acknowledgement of my request from Carrington XXXX XXXX, XXXX, along with a set of requirements to fulfill that request. I did so and submitted them XXXX XXXX, XXXX. Today is XX/XX/XXXX. No amount of phone calls or emails have been able to elicit an explanation why it is taking so long to respond to my request. I have recently become aware of Section 6 of the Real Estate Settlement Procedures Act ( 12 U.S.C. 2605 ). I know nothing of real estate law, but it seems to address my situation. 
Contact info : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, Supervisor of Lien Release , XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have XXXX payment late on my XXXX XXXX account but it is marked inaccurate for the month of XX/XX/2022. The different companies are reporting different outcomes for that month can you investigate this discrepancy thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have pleaded for my information to be corrected per 151 US CODE 1679C i only have one address and that is XXXX XXXX XXXX XXXX only XXXX il XXXX only my phone number XXXX only XXXX XXXX XXXX Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

THEY REFUSE TO CORRECT MY STATUS, THIS IS CAUSING ME SO MUCH HARD ACHE, TRIALS AND TRIBULATIONS, I CAN NOT EVEN LEAVE GENERATIONAL WEALTH FOR MY CHILDREN BECAUSE OF OF THESE PEOPLE RUINING MY LIFE!!!! I HAVENT HAD THE STRENGTH TO FIGHT THEM!! THEY ARE LIKE PARASIDTES THAT NEVER XXXX, DISREGARDING LAWS AND GETTING AWAY WITH IT FOR LIFETIMES FOR PEOPLE WHO CAN NOT AFFORD TO GET LEGAL HELP
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been getting credit inquries without my permission with out my knowledge Can someone help me stop this Company from pulling my report hard inquiries when they want please
Product: Credit card

On XX/XX/XXXX I purchased jewelry from Macys and paid with a Macys American Express store card as it shows on my statement closing dated XX/XX/XXXX which statement is 12 months after the original purchase. The purchase offered a 12 month deferred interest period which fee would have been {$400.00} if not paid within 12 months. 

I returned the purchased jewlery on XX/XX/XXXX as shown on my statement closing dated XX/XX/XXXX ( aprox a month after the original purchase ). 

Once the deferred interest period ended ( again on XX/XX/XXXX ) I got charged that deferred interest in my total balance. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which each time the representatives acknowledged that I was correct after they kept me on the phone for a long period of time each call. Every time I called, they stated that the balance would get adjusted on the next billing cycle and as of XX/XX/XXXX it has not. They promise a call back to confirm once it has been adjusted but no call back. I have requested a confirmation email but they stated that their system does not allow. 

In essence, I purchased jewelry and returned it 10 days later and I got charged defered interest a year after because their system did not adjust correctly and they have been charging me interest on the {$400.00} every month. 

I have attached the statements accordingly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX