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

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX IL XXXX, Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I tried to pay a bill using my Wells Fargo XXXX while traveling overseas. My account got shut down. 

I indicated to my bank that I would be traveling 2 months prior when I made a withdrawal. 

I spent over four hours talking and waiting for the online team. 

I asked for a callback from an account executive and none was made. I was told I would receive a call within XXXX-7 days. 

I called Wells Fargo three times. The first time the access to my account was restored. The second time I tried to repeat the XXXX transaction, I was told I would have to come to a branch to prove my identity. I escalated the conversation twice until I was told an executive would call me back and then hung up on by a manager called XXXX XXXX. 

As you might suspect, its impossible to go into a branch while you are traveling overseas. 

Also their e-mail system responded that I need to log into my account to contact them in writing. The not so funny irony is that I obviously can not. 

Not having access to my account is positively dangerous while Im traveling and blocking access to my funds while I need them is irresponsible.
Product: Consumer Loan

I tried changing my due date over a week ago ( 7 days roughly ) prior to my due date. I have automatic withdrawal scheduled on my due date. The CSR told me I have to cancel my automatic payment online only and change my due date online only. She did not tell me it had to be at least XXXX business days before the due date. Today, 3 days before the due date, I 'm told by a floor supervisor ( XXXX branch # XXXX ) 3 business days may not even be enough. Sometimes they will still auto withdraw the payment from the account, there is no guarantee it wo n't. Also, they can not manually cancel the transaction, even if they contact their " payment processing '' department they can not do it. I struggle with this considering the size of the organization, that they can not manually put a stop to a transaction when the payment is not even pending. Also, the terms and conditions do not mention that " potentially '' it may or may not hit your account. The terms and conditions are only available via a small link you have to click and read, the web page itself does not present or require you to read them before you accept the automatic withdrawal. You can easily, accidentally skip over the link and continue the setup of your automatic withdrawal payment. Needless to say this entire payment process is unfair and deceptive.
Product: Student loan

Information in regards to student loan not filed and off record and just keep putting negative information on credit report and CFPB keeps closing only going with NAVIENT information and not what is documented
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, my rights were violated. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo is trustee to the account of my mortgage, serviced by XXXX. For the last five years I have battled these companies over issues such as illegal foreclosure, where they sold and repurchased the property for XXXX more than the original loan while I was applying for loan modification. Wells Fargo rescinded the sale but left the principle balance at the higher amount. Communicating with them is impossible as the call center is outsourced to XXXX. There is no communicating with these people They simply do not understand the issue and are like robots you can barely understand. Wells Fargo denied they have a connection to me. I am unable to participate in any programs to save my home. Apparantly this is an illegal XXXX equity loan that we simply did not understand. How can the average consumer win with the big business bankers? Who can help? What happened to the american way? After 16 years of paying a mortgage my principle balance is more than the original loan and I will lose the house XX/XX/XXXX. I was offered only to agree to foreclosure, no other options available from XXXX, the servicing company who 's motto is ; " Helping people is what we do '' This is my last attempt to find someone who will listen. I will have to let them win in the end and just walk away like so many other americans have had to do. Lose everything and start again while executives live the life of luxury. In XX/XX/XXXX-XX/XX/XXXX I invested XXXX dollars with an attorney and a class action suit to battle XXXX and Wells Fargo. Just before settlement my attorney disbarred and left me hanging. If this complaint is actually seen or read, I respectfully appreciate any help or direction with the issue.
Product: Debt or credit management

I contacted Pan Am approximately a year ago. They began withdrawing XXXX XXXX monthly to apply towards my creditors. Since that time I am being sued by several of the creditors involved and they have informed me that they have not received anything from Pan Am. I contacted them after finding out I was being sued XX/XX/scrub>XX/XX/2023. They continued to charge my bank account {$71.00} per month. Since then I have learned that nothing was applies to my accounts. I am now faced with bankruptcy
Product: Credit card or prepaid card

Today XX/XX/XXXX, It was brought to my understanding, by way of a customer service rep, that Discover has completely mislead me and intentionally manipulated how my payments are applied to my account during a promotional offer period. 

I opened my Discover account using a balance transfer promotion of 18 months ( set to expire in early XXXX ). Since I have available credit beyond my initial transfer amount, I have been using my card for daily transactions since they offered a 0 % intro APR thru XXXX XXXX. I make a payment EVERY Monday morning to offset any transactions I made from the prior week. For example, if I made {$300.00} in transactions last week, I make a {$300.00} payment that following Monday to offset the increased balanced on the account. As my intro period is drawing near, I called today to ensure the amount I had calculated as my overage amount ( daily transaction balance above initial balance transfer ) was indeed accurate as I planned to make a payment bringing the " overage '' amount to XXXX. It was on this call that I discovered that EVERY payment that I had made to " offset '' my daily transactions was indeed NOT going to that amount but rather being applied to my initial balance transfer promo that doesn't even expire for another 12+ months. When I suggested to the CSR that essentially, I should have not used the card in ANY form until the balance transfer was completed, she agreed and said that she apologies for this not being explained to me when I opened the account. 

This entire experience has left me completed frustrated and feeling mislead, manipulated and on the wrong end of deceptive practices by Discover. Had I known that any payment that I made above and beyond my minimum payment would be applied towards a promo that ends 12+ months from now and NOT a promo that ends 30 days from now I would have NEVER used this card in any shape or form. Now I'm left holding a considerable balance subject to a HIGH interest penalty in some 30 days because I was misled by advertising and the poor practices of Discover and because my payments were misapplied. Both the CSR and a Supervisor are both telling me that the payments can not be re-applied to the correct promo, which I believe to be incorrect, based on the fact that I currently work for the largest issuer of private label credit cards in the world and payments are effortlessly re-applied to the correct promo often. 

I will never use this card again ( plan to cancel the very second my payment posts that brings my account to a XXXX  balance ) and NEVER use a Discover product again in my life. Social Media, my family, friends will surely know about this terrible experience that I've had with Discover. I'm completely floored right now that this is happening and that Discover can care less and keeps offering the same slap-in-the-face " talk-off '' that not only doesn't true address my issue but gives NO effort to help resolve and keep what would have been a life-long customer.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me, and I firmly believe they are fraudulent. I urge you to conduct a thorough investigation and promptly remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies associated with my account. These inaccuracies are negatively impacting my creditworthiness. I understand that your process includes investigating such discrepancies to ensure accuracy. Below are the details I am requesting you to verify : XXXX : XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report Equifax : XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX : XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report I appreciate your prompt attention to this matter and look forward to your investigation and resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background : Recently, I applied for 2 credit applications 1 ) Refinance with XXXX for my home loan 2 ) New credit card with XXXXXXXX XXXX Both of these lenders use Experian credit report to pull my credit score and check credit file. 

Issue : When XXXX and XXXXXXXX XXXX  pulled my credit report from Experian, both of them receive a message stating that my credit file is frozen. My credit file is unfrozen and I've verified this multiple times with Experian. 
1st call with Experian on XXXX XXXX with agent XXXX. Case number : XXXX XXXX mentioned that something was wrong with my file and it'd take 3-5 business days to fix my credit report. I don't know what was wrong regd my credit file. XXXX did not mention that. 

I waited 5 business days till XXXX XXXX, called Experian and verified that my credit file is not frozen ( case number : XXXX ) and contacted XXXX and XXXX to run my credit report again. Both of the confirmed that they still get the same message that my credit file is frozen. 
So, I call Experian again and another agent XXXX indicated that my credit file is unfrozen but not willing to look into the matter why lenders are unable to pull my report. 

As a result, I can not proceed with my refinance application and credit card application due to Experian refusing to fix the problem at their end. 

Experian Phone numbers I contacted : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Equifax reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX card on XX/XX/XXXX, and under account number XXXX, XXXX XXXX card account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my XXXX consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Mortgage

We closed our our home on XX/XX/2022 and were advised we would receive an escrow refund check in the amount of {$2000.00} within 30 days. It is now XX/XX/2022 and the lender, AmeriSave Mortgage has not sent us our refund. We have called and spoken with management 7 times and are told multiple things ( it was sent, or it is being processed, wait another 30-60 days ) and still have not seen our money. This money belongs to us and AmeriSave is holding and sitting on our rightfully owed money. Looking to take legal action and recommend that no buyer or seller use this company.
Product: Mortgage

Wells Fargo Bank has refused to modify my mortgage even after I made all the modification agreement payments. 
1. In XX/XX/XXXX I entered into a modification agreement with Wells Fargo bank to modify my mortgage. 
2. The modification agreement stated that after I made XXXX XXXX XXXX XXXX payments, Wells Fargo would modify my mortgage. 
3. I made the XXXX mortgage payments to Wells Fargo Bank. 
4. But Wells Fargo has not modify my mortgage. 
Wells Fargo Bank has refused to provide me with modification assistance since XX/XX/XXXX. 
5. I have been applying to Wells Fargo bank for mortgage modification assistance since XX/XX/XXXX. 
6. Even though I was qualify for a Mortgage modification in XXXX, Wells Fargo refused to provide me with Mortgage assistance. 
7. On multiple occasions in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Wells Fargo bank has refused to evaluate my Mortgage Application in violation of RESPA laws. 
8. Wells Fargo violations of RESPA consumer laws has continue to harm me and my family even after I made all the payments under the modification agreement. 
9. These action by Wells Fargo has adversely affect my credit standing. 
10. These mortgage lending violations by Wells Fargo Bank has severely harmed me in my ability to obtain new credit, and obtaining credit at excessively high interest rate.
Product: Mortgage

Bayview Loan Servicing made misleading and lies both verbally and writing about timeframes, loan modification processes, and steps to take to keep my property out of foreclosure. The representative, XXXX, made many false claims ( again both verbal and in writing ) that negatively impacted my loan modification process.
Product: Debt collection

The lease on a XXXX XXXX XXXX ended on XX/XX/XXXX. Due to the Covid19 pandemic the dealers were closed, and i was unable to return the car on time. I did pay for an additional month. I finally reached a person at XXXX XXXX, and returned the car on XX/XX/XXXX. The dealership was still closed at the time. Due to covid 19 my wife and i were not about to go looking for another car. We did not even go to the supermarket. We had food delivered from XXXX. We did not visit friends. For a year we pretty much went nowhere. We both have health issues. A year later i get a notice from XX/XX/XXXX that i owe {$460.00} because i did not lease another car within 60 days of lease end. If i had leased another car i would not owe the money. This seems like extortion or coercion. Since my wife and i were both fully vaccinated, and the virus has eased, we did lease a XXXX XXXX on XX/XX/XXXX. XX/XX/XXXXXX/XX/XXXXstill wants the {$460.00} because it was more than 60 days from the prior lease end. Can you please help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETED the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I'm not informed about them, and they were made without my permission.
Product: Debt collection

On XXXX XXXX, after logging into my XXXX XXXX XXXX account, I noted a withdrawal of XXXX from my checking account. I immediately call XXXX XXXX XXXX and was informed by a XXXX XXXX XXXX representative, the withdrawal was from my PayPal account, On XX/XX/2024. I called PayPal customer service and spoke to a representative and informed him of what had occurred. The representative stated the investigation would take 10 days to complete, I asked to speak to a supervisor, The supervisor stated the transaction was made from my device. I informed her that i did not make a purchase with XXXX XXXX. The same night without investigation my claim was denied, I then contacted my bank, XXXX XXXX XXXX and informed the bank representative of what occurred, I filed the claim with the bank. and XXXX XXXX XXXX Refined the funds. I now have a negative balance with PayPal. I filed a second dispute with PayPal, and it was denied, I asked for proof of the investigation, and have not received proof. I have received emails from the collection division of PayPal requesting payment for fraudulent charges of {$410.00}. Please advise or assist me in this matter.