23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have suggested this information 3 times regarding XXXX : XXXX XXXXXXXX XXXX XXXXXXXX 
that I disputed and it was verified. Each time my request under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been illegally IGNORED!

The last request I submitted via CFPB XXXX XXXX XXXXXXXX on XX/XX/year> and receipt was acknowledged on XX/XX/year>. ( 17Days ) Again, my request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 1681i ( 7 ) has been IGNORED! 

I requested the procedures used that led to the XXXX XXXX account to be verified. I also requested in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / 1681i ( 7 ) that I be sent the names of the persons they spoke to and their telephone number and address in accord with the law mentioned above.

I understand that these violations of the FCRA could result in as much {$1000.00} for me in compensation because this Credit Reporting Agency has FAILED once again to provide this information in 15 days according to law.

The sole basis of my dispute is in accordance with FCRA 602 which states I have a right to privacy. Additionally, FCRA 604 ( a ) ( 2 ) that states a credit reporting agency can not furnish an account without a consumers written instructions. Also, Gramm Leach Blilley Act Section 6802, 6803.

Remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Closed
Account number
XXXX
Account status
Closed
Date opened
XX/XX/2014
Account type
Credit Card

XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA XXXX which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all 3 credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the multiple written requests, the inaccurate information about my accounts listed below are still reporting on my Equifax Credit Report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned accounts : XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX
Product: Credit card or prepaid card

There is a fraudulent {$39.00} charge for a credit card ending in XXXX even though I have not even received this card in the mail yet ( this transaction is dated XX/XX/19 and is copied below ). XXXX was a replacement card for the card ending in XXXX because there was a fraudulent charge billed to that card as well ( the original fraudulent charge was billed to card ending in XXXX on XX/XX/19 and is also copied below ) : XX/XX/2019 Merchant Details XXXX XXXX XXXX, Florida {$39.00} XX/XX/2019 Merchant Details XXXX {$39.00} I have never heard of, communicated with or dealt with either of the two merchants referenced above. When I called Citibank all I got was a replacement card that I was told is being mailed to me. To the best of my knowledge, the bank has not investigated either of the fraudulent transactions listed above.
Product: Credit reporting or other personal consumer reports

I recently discovered that two Capital One accounts, listed as being opened in XXXX and XXXX, have been added to my credit report. I didnt open or authorize these accounts, and I believe theyre the result of identity theft. Both are listed as Collection/Charge-Off, which is inaccurate and causing harm to my financial reputation.

I am requesting that these accounts be deleted from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to dispute and block information that results from identity theft. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes and remove unverifiable information.

I also request that you provide any documentation or evidence you used to verify these accounts, such as signed agreements or proof of ownership. If such evidence can not be provided, I respectfully demand that these accounts be removed entirely from my credit report, as outlined under the FCRA
Product: Mortgage

Absolute nightmare to deal with it. Waited on hold for sometimes 30 mins for what I viewed as simple questions. Once a representative would pick up I would proceed with my question, if they did not know the answer they would simply hang up the phone and I would need to spend another 30 minutes to get a hold of someone. If the rep did not hang up on me I was usually provided in accurate information. Without question the worst company I have ever dealt with. Luckily I have closed out my loan and after an hour and half of attempting to verify the address where the tax documents would be sent, ( after 3 unsuccessful attempts ) I hope I never have to contact them again.
Product: Payday loan, title loan, or personal loan

My wife applied for a medical health loan through XXXX XXXX XXXX. Her loan application was accepted. The problem I have is that I received an email from Lending Point LLC telling me that I was denied for a loan from them and I never applied for one. My wife applied solely in her own name. Apparently Lending Point, XXXX XXXX, XXXX XXXX and XXXX are all affiliate companies. I do have an account with XXXX XXXX and I am not sure how my information was shared between these companies, but, I do know that I never applied for a loan at all.
Product: Checking or savings account

I had 15 or 18 transaction that i didnt authorized and they denied the claim saying they were made through XXXX XXXX system and that since my password wasnt change it looks to them like i was the one who use it. I dont remember if the password was changed, not recently but there are many transaction, i never received a notification from the bank and my account went to almost a negative balance
Product: Credit card

so I placed an order for items from this merchant XXXX XXXX XXXX XXXX XXXX, but I decided to cancel some of the orders. However, the workers said I could not cancel and so i was charged the amount. I found this to be ridiculous because every restaurant in the city or Country was allowing me to cancel my orders. They basically just told me that they can not cancel and that I have to take the orders. I decided to file it with the bank but they did not understand my issue when I filed a dispute with them. I tried to talk to the merchants first but since that failed I filed a dispute with my bank. 

The amount was {$17.00} and my claim number XXXX with number ending in XXXX Full account number is XXXX Date closed - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to now I have been in contact with XXXX XXXX XXXX XXXX letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in XXXX  and they vowed to help me but as soon as I left the military in XXXX XXXX XXXX XXXX XXXX repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with XXXX XXXX for almost 20 years and to get this type treatment is unsat.
Product: Mortgage

I have a XXXX Mortgage with XXXX XXXX XXXX and a XXXX Mortgage with Bank of America. I refinanced the XXXX Mortgage with XXXX XXXX XXXX with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with Bank of America through the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). As I was starting to realize that I was in need of the XXXX Mortgage with Bank of America Modified also, I received a XXXX loan through my XXXX Mortgage with XXXX XXXX XXXX which changed the account number. I did not request this new loan. XXXX just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with Bank of America Modified due to the now new mortgage was no longer the HAMP mortgage. I feel that XXXX hurt my situation of have the much needed XXXX mortgage modified. I have worked with XXXX and Bank of American since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by XXXX and they are working hand and hand with Bank of American to block me from having my XXXX mortgage with Bank of America from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a recurring payment of {$100.00} to my XXXX XXXX XXXX Credit Card to satisfy my payment due on XX/XX/XXXX. However, the minimum payment amount was actually {$100.00}. I failed to realized that my payment amount had increased after a recent purchase. In late XXXX I received a collection notice stating my account was past due. I called the collections department to confirm they had received my XXXX payment that cleared my bank account two weeks prior to the due date. I was informed of the payment shortage and acknowledged that I failed to adjust my monthly recurring payment after a recent purchase that increased my balance. I stated that I would make a one off payment immediately to bring the account current ( a {$30.00} payment posted to my credit card account on XX/XX/XXXX ). I asked the representative to reverse the {$27.00} late fee as a one time customer service gesture. The representative agreed. On XX/XX/XXXX I logged in to my online account to check the balance for a promotional financing offer that I knew was expiring soon. At that time I noticed that there had been no adjustment made for the {$27.00} late fee that was assessed on XX/XX/XXXX. On XX/XX/XXXX I called customer service to explain the issue and spoke to three different representatives who stated that there was not record of a promise to waive the fee and furthermore they would not be able to reverse the fee. I even requested to have the fee reversed on sheer principle since I 've been a long term customer, have never been late and always pay my promotional financing in full before they expire ; all separate from the fact it 's quite egregious to charge {$27.00} for a {$7.00} partial payment shortage. I was finally transferred to a resolution analyst who stated someone would review and get back to me before XX/XX/XXXX. At this rate, the expense that they 've incurred via several phone calls that were each in excess of 10 minutes and the value of time I 've personally spent - far more than {$27.00} has been exhausted. This issue could have been easily resolved and I 'd be a happy customer with the first call, I 'm ok with the oversight and the need to make a second call but at this point the lack of service is unacceptable.
Product: Credit reporting or other personal consumer reports

This company has failed to provide documentation or accuracy to account with XXXX XXXX  XXXX XXXX sent over documentation involving the identity theft and misuse of information reporting to my credit report. 
On XX/XX/XXXX I spoke to representitive XXXX which informed me that there has been documentation of my complaint for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Equifax has failed to provide proof or accuracy and has not removed the information. I am requesting removal of this account immediately. 

Credit Card Accounts with XXXX XXXX and XXXX XXXX has also been requested due to this identity theft and Credit Bureau has refused. There are many inaccurate items and Equifax need to be held accountable due to the Fair Credit Reporting Act. 

Accounts needing removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Accounts : XXXX XXXX XXXX XXXX
Product: Debt collection

AD Astra Recovery Service Has but a Collection on my credit report that is not valid. I have disputed this and called the company. They claim they are a debt recovery company, and the debt I owe is from a SpeedyCash.com. This is not my account, and I have repeatedly requested copies of a contract with my signature. They can not provide this. This is hurting my credit, and I have been trying to purchase a home. Please assist. They claim I owe {$1300.00}. All my other accounts are all paid and on time. If this was actually my account, I would pay it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nine ( 9 ) erroneous and/or fictitious tradelines are being reported by XXXX XXXX as being furnished by MOHELA. This complaint is being sent to you in response to a tradeline/credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/2023, XX/XX/2023, and XX/XX/2023. This notice is sent pursuant to the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and consumer credit protection of Texas Business & Commerce Code Chapter 20, and debt validation is requested. See Attachment - This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that any student loans serviced by your company have been transferred to another and not 100 % paid off through discharge. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX  ), this action might constitute fraud under both Federal and State Laws. Due to this fact, all erroneous, fraudulent, fictitious and/or negative information found on any of my credit reports by your company or the company that you represent constitutes such a violation and legal action has or will be brought against you for the following : Violations of the FCRA Violations of the FDCPA Violations of Texas Business & Commerce Code Defamation of Character Injurious Tort and other damages. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will remedy this with any and all legal options. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. Best Regards, XXXX XXXX XXXX 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my right. 

15 U.S.C 1681c. ( 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 ) ( 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.
Product: Money transfer, virtual currency, or money service

This complaint is about Wells Fargo Bank. 

I have attempted twice now to send a domestic wire transfer from my Wells Fargo account. I followed the bank 's instructions, but they cancelled my transaction within 24 hours with no prior notice and without explanation as to why. I was notified of the cancellation by email replicated to the bank 's online message center. I replied to the email only to get a response telling me to reply through the message center. However, when I went online to the Wells Fargo Message Center, the email function reply had been disabled. In fact, there was no way to contact them in writing at all.

Only after more than 2 hours on the phone with the bank ( being shuttled between various departments as well as being cut off twice and having to restart the phone call each time ) I was told the transfer had been flagged for fraud. But Wells Fargo had made NO attempt to contact me to verify if the transaction was legitimate before cancelling it. Every other financial institution I deal with has a system in place for quickly verifying with customers whether they recognize a specific transaction. 

At the bank 's instruction I resubmitted the same transfer online. However, the fraud specialist who recommended this course of action also stated he did not know the reason the transaction had been flagged and could not guarantee it wouldn't happen again. So this time, I tried to head off any issue by calling the bank a few hours after resubmitting the transfer, only to be told it had AGAIN been flagged for fraud. Then I was told I had to wait for a callback from their fraud department sometime in the next two days (! ), and that they could not tell me when they would call, even though I explained that I could not take personal calls during working hours. I then spent another hour and a half on the phone with them before finally being escalated to a manager who could release my money.

While on the Wells Fargo site, I investigated their " security center '' to see if there was any way to inform them that my transaction was legitimate. There was not. All of their online options for security alerts allowed consumers to report suspected fraud, but there were NO options to allow consumers to verify that a transaction was legitimate.

My complaint therefore has two parts : 1 ) Wells Fargo ( unlike other financial institutions ) has no system in place to quickly verify with the consumer whether or not a specific transaction is genuine. 
2 ) Wells Fargo has made it impossible for an online consumer to contact them in writing to verify a transaction or even to get an explanation about why a transaction was declined. ( I suspect this is intentional ; it leaves no paper trail and also leaves the consumer at the mercy of their so-called " customer service '' phone system, which in my experience functions more as a maze to cut off unwelcome conversations and prevent consumers from reaching anyone with authority. )
Product: Debt collection

XXXX XXXX XXXX  ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NM XXXX, Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX.
Product: Checking or savings account

I noticed that I had maintenance fees on a monthly XX/XX/2023 statement. I talked to an XXXX XXXX XXXX at a BofA bank in my area about this. I knew that at times in the last 10 years that my account had a large deposit of money in XXXX of my XXXX accounts though I still received maintenance fees on my account. I was sure that I maintained at least {$1.00}, XXXX in XXXX of my accounts so that I would not receive maintenance fees. 

The XXXX XXXX XXXX at the BofA filled out a request form for me to receive {$800.00} from the bank to reimburse me maintenance fees on my account, but the BofA did not reimburse me any money for charging me maintenance fees even though I had the required amount of money in the bank, at times, to not have to be charged maintenance fees.
Product: Student loan

I have an approved IDR application for my student loans as of XX/XX/XXXX when my income decreased. Payment prior to XX/XX/XXXX and the COVID Forbearance was {$370.00} at a higher income than the updated application. The approved application resulted in a {$0.00} payment due to the forbearance, but as I am not required to recertify until XX/XX/XXXX, this is still the validapplication for my PAYE repayment plan starting with the end of the COVID Forbearance XX/XX/XXXX. My billed amount is $ XXXX though MOHELA has confirmed they have the XX/XX/XXXX approved IDR application and pay stubs to prove income on file. They do not have any updated income informationto calculate a payment that would result in almost double what it was prior to the COVID Forbearance. 
I have asked countless times for what information they are using to calculate my loan payment and was told over and over that they do not have that information.According to the Department of Education, they should be calculating my payment using the approved IDR application, and since it is an income-based repayment, there is a specific formula for PAYEto do so. Every loan servicer I have had in the last10 years has been able to provide this informationto me upon request. I have spent almost 6 hours on the phone with them and have spoken to multiple people to get this resolved. I just want my bill calculated correctly. They kept asking me to apply for differentrepayment plans, which I do not want.Finally a supervisor confirmed on XX/XX/XXXX that they have the approved application and income amount from XX/XX/XXXX and said they submitteda request to recalculate my payment amount using the approved XXXX XXXX request. I have not heard from them and the incorrectly billed amount is due today. I just paid the amount since I do not want any negative repercussions to my loanforgiveness plan or credit from not paying. I want my payment to be calculated correctly, and for any amount I've paid that is over the correct fee to be refunded. In addition, I did not receive a billing statement until XX/XX/XXXX, for a due date of XX/XX/XXXX, which goes against the federal requirement to send at least 21 days prior to the bill due date. The statement is backdated to XX/XX/XXXX, which is incorrect.