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

I have an auto loan with Wells Fargo Auto XXXX for a XXXX XXXX XXXX. There was a car accident in which the truck was a total loss. My insurance XXXX XXXX was going to pay the truck and I would submit the remainder balance to GAP. I was on top of the claim since day one and made sure my insurance was doing everything with time. My insurance sent the guarantee letter on XX/XX/XXXX. After two weeks I called Wells Fargo to follow up on the letter and I couldn't get through to their insurance department. I called XXXX XXXX the next week and asked if they had paid the claim wanting for everything to be done in timely filing to give time for GAP to process their claim as well. State farm stated they hadn't received anything back from Wells Fargo. The following weeks XXXX XXXX and myself kept calling Wells Fargo every week at times we would do three way calling to be able to speak to them weeks went by and issue all i would get from the insurance department was that they were having system issues and that i had to call back. Spoke to several reps asking for assistance regarding this issue and at times I would have them transfer me but wouldn't give me an answer and another rep just hug up on me. It was mid XXXX and finally was able to speak to a rep from escalations department by then my account was showing as past due when all the time XXXX XXXX had the check ready to pay the loan. I then spoke to XXXX XXXX from escalations department and she stated that she would look in to it to give her time. I did ask her to please place my acct on hold since they had an issue with there system and they delayed the process with claim and payment couldn't be issued because guarantee letter wasn't sent. Then i had issues with that rep because would receive follow up and i kept getting calls for past due balance. It was by mid XXXX that i asked to speak to someone above XXXX and spoke to XXXX XXXX ( supervisor ). He stated that in fact there was an issue with there system and that he would work on trying to have the claim be expedited. I did express my concern to supervisor regarding my credit and he stated that they would work on having that fixed and that they should correct that. They gave me a deadline on XXXX for the loan to be paid but i still have issues with them applying the payments that GAP and the dealer sent by now and my account still hasn't cleared. I did check my credit and it has also been impacted and it has gone considerably low. I did advised XXXX that this is not right that i am getting the impact of the loan when they were at fault. He stated will send a letter stating that they take responsibility of the issue and that i should send that to creditors so they can correct my credit. I have submitted it to creditor but i am still having issues with Wells Fargo finishing up the claim. It was on XXXX that the accident happened and till this day loan hasn't been cleared when all payments have been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. 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 : States a consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of this account. We will pursue {$1000.00} for this violation if the account is not deleted immediately.
Product: Debt collection

I called to check on my account to be verified by the law firm so it can update on my credit report. On a recorded line I was told that total Choice credit union stop the payments but the wasnt finished so they would start it back up soon but everything was paid. XXXX XXXX XXXX XXXX on a recorded line asked be to get the documents by email but XXXX XXXX XXXXXXXX refuse to send me those documents so I suggest it to be sent to the credit union at a later date I was sent some off the documents with incorrect date and payments months prior to tht I called be for and my payments werent update now theres another problem I been calling both lenders and debt agencies and I been given the runaround.
Product: Mortgage

XX/XX/2016 I purchased my home and my loan was sold and serviced by Freedom Mortgage. The mortgage was an FHA loan. In XX/XX/XXXX I received an offer from Freedom Mortgage for the FHA Streamline refinance program and I applied in order to reduce my rate. Initially, the closing was going to occur in XX/XX/XXXX until I was notified the program requires 6 months of on time payments. Given my mortgage was new the 6th payment would not be made until XX/XX/XXXX. I remained in communication with the loan processor XXXX XXXX, who told me everything was fine and once the XX/XX/XXXX payment posted we 'd move to closing. My payments are setup to pull automatically every month on XX/XX/XXXX and have been since the loan 's inception. My Bank account can show this. On XX/XX/XXXX I followed up with XXXX to notify her the payment had been pulled. Around XX/XX/XXXX my wife, who is a co-signer, received a Credit Denial letter. I myself have not received a decline letter. The reason for the denial of credit was due to a late mortgage payment. This is inaccurate and they should know better since they can see my loan payments are pulled by their system every month automatically. When I inquired about this the processor pointed to the loan officer, then loan officer pointed to the processor, and then the processor pointed to the underwriters. Nobody was willing to admit a mistake was made and to correct it. Finally I got a manager 's information from XXXX, her name was XXXX. She too was of no help and would not recognize their mistake. 
This is unacceptable practice. The denial reason is bogus and easily corrected if they would simply check their system and confirm the loan payments are automatically drawn each month. I called their customer service to confirm we were current, and they concurred. Clearly a disconnect between their departments and information between the two. 
What is even more upsetting is the rate lock has expired now and with the rising interest rates over the past few weeks I will not get the rate which was originally locked at 3.75 % even if they were to reopen the application. This rate reduction would have saved me over {$25000.00} in interest and I intended to keep my payments the same at which I pay today. This would have eliminated close to 4 years off my mortgage.
Product: Checking or savings account

I have been using Citi for a joint checking and savings account. We receive a direct deposit from one source that being the city of XXXX XXXX police department. Recently receiving a retro check from the police department negotiating and settling on a deal. That check being over XXXX. Over the last few months it has been a struggle financially paying bills. Behind on a lot bills needed to be paid and some shopping as well. I verified everything through Citi, who never even sent an email regarding fraud. I called because an XXXX dollar transaction failed, to be told my account was restricted and was hung up on. I verified my identity three different times. I used my card earlier today, with no problems. When I first opened the account I had multiple Citi employees hang up and tell me I wasnt me until I went into a branch where they could see I was myself with the same number in front of me. I just want then to unrestrict my account so I can take my money and start a new account elsewhere because this account clearly isnt working for me.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. The account listed as XXXX is incorrectly reporting and causing me damages. The consumer agencies are required to report accurate information. Furthermore any account that is charged off with a balance due it should be returned to the consumer not the creditor. How is the consumer agencies reporting this account as a charge off? I would also like the documentation used to verify this information. This account is also reporting XXXX different ways which means this account has not been properly verified as accurate. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies Account Status : Closed Closed Open Creditor Remarks : Collection Account Placed for collection Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's internal collection department. 
Collection account Telecommunications/cellular Account Type : Telecommunications/Cellula Veer, or collect extension, Collection ( a ) Accuracy and fairness of credit reporting The XXXX makes the following XXXX : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the XXXX major credit reporting agenciesXXXX XXXX, and EquifaxXXXX failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in addressing and resolving disputes I submitted regarding inaccurate information on my credit report. Their failure to investigate and verify the disputed information within the legally mandated timeframe has severely impacted my creditworthiness and financial well-being. 

Disputed Accounts : XXXX XXXXXXXX Account ( Account Number Ending XXXX ) : Reported with a balance of {$630.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Account ( Account Number Ending XXXX ) : Reported with a balance of {$54.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Bank Account ( Account Number Ending XXXX ) : Reported with a balance of {$890.00} on a credit limit of {$500.00}, and classified as a closed account. 
Dispute Process : On XX/XX/2024, I formally disputed the accuracy of the above accounts with XXXX, XXXX, and Equifax, citing discrepancies in the reported balances, payment histories, and statuses across the XXXX bureaus. My disputes were sent via certified mail, and I provided all necessary supporting documentation. 
Non-Compliance with FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requires that credit reporting agencies investigate consumer disputes and provide the results of the investigation within 30 days of receiving the dispute. 
As of today 's date, more than 30 days have passed, and I have not received any response or verification from XXXX, XXXX, or Equifax regarding the disputed accounts. This lack of response violates my rights under the FCRA. 
Impact on Creditworthiness : The failure of the credit bureaus to address these inaccuracies has directly harmed my credit score, limiting my ability to obtain credit, loans, or favorable interest rates. The inaccurate and unverifiable information remains on my credit report, further damaging my financial standing.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00}
Product: Checking or savings account

I went to Hawaii on XX/XX/2020. While I was in hawaii someone was able to go to a Bank of America ATM and pull out XXXX on the XXXX and then XXXX on the XXXX. Both of these transactions were done at Bank Of America ATM 's in XXXX XXXX and one bank inquiry was at a XXXX XXXX  I called to check my balance and that was how i found out these transactions occurred. I had in my possession the card so it didnt make sense how these withdrawals happened. I immediately spoke to customer service and had them cancel my card and they sent me a new card. I was only in hawaii for a few days and when I got back I filed a claim with the claims department at Bank of America. I let them know that I would also be filing a police report. 

I received a letter from Bank Of America the following week but the letter was dated 1 day after I filed the claim. The letter stated that my claim was being closed because they believe my account or claim have been the subject of fraud or suspicious activity. I called Bank of America and was told that the representative would put in paperwork asking to reopen the claim. 

While speaking to a police detective working on the case, I was asked for the time that the transactions occurred so she could request video from the ATMS and when i called Bank of America, it was at that time, I was told that my new card was invalid and the account had been closed by the Unemployment office because it was flagged for fraud. When I spoke to Unemployment ( PUA ) I was told that there was nothing on their end that showed what Bank Of America was saying. Because my unemployment benefits for that week couldnt be sent to the new debit card, I changed my account to be direct deposited into my personal savings account that I have with a different bank. Bank of America gave me no notice and the money that was still on that card is now frozen, I am guessing. I went back and forth with Bank Of America and Unemployment daily till I stumbled on the phone number for the investigative department for Unemployment. I spoke to a representative and was told that they would send Bank of America a notice that my identity was verified and to unfreeze my account. This was around the first week in XXXX. I then was able to speak to a supervisor at Bank of America and was told they would submit paperwork to unfreeze my account. I waited a few weeks and called back this week and no one has any answers for me. With my account frozen, I have no open claim to get my money back from the unauthorized fraudulent transactions of XXXX. I have verified my identity with Unemployment through the ID.me site. I have been patient but this needs to be resolved. It shouldnt take months to investigate a claim and I feel like I am being given the run around. I cant tell you how many hours ive been on the phone trying to get this resolved. I really need this to be handled and my money to be given back to me.
Product: Checking or savings account

I have a Chase Bank Checking and Savings account. On XX/XX/2020 I used my debit card to purchase items from XXXX and my card was declined. I received a notification to call Chase for possible fraud. I called Chase and was told Chase has decided to close my account and not do business with me and I will receive my funds within 7 to 10 business days. I thought this was a joke and called back and was told Chase does not have to notify me if they are going to close my account. I couldn't understand this because of a 20 plus year banking relationship. I was again told my funds will be received in 7 to 10 days. On XX/XX/XXXX I received a text from Chase indicating my checking account has a bal of {$0.00} below my {$200.00} limit and transfer funds from my savings. On XX/XX/2020 I went to a Chase Branch to close out my savings account and was told Chase already closed the account and funds have been mailed. I then called Chase and was told my funds were not mailed and I have to proof where my funds came from. My checks are direct deposit and I told the agent this and they can see where my funds are coming from. I was informed I would have to provide documentation to proof funds. I provided Chase with my W2 and 2 letters from Texas Work Force. I was told today that I would have to prove residency in Texas. I claim residency in Indiana not Texas. I worked for a company in Texas. Chase is on a wild goose chase and have said it will be easier if they reinstate my account. I Chase to release my funds from my savings and checking. I do not want a banking relationship with Chase.
Product: Student loan

My student Loan was serviced through XXXX/Navient. There were several times that I had XXXX issues affecting my ability to earn income. When I contacted the servicer for options I was steered into forbearance programs which increased the interest owed on my loan instead of offering any other alternatives available to me. I had no idea I had any options other than forbearance and was mislead to believe that forbearance was the only viable solution.
Product: Debt collection

My name is XXXX XXXX XXXX, SS # XXXX. I have a problem that I am learning how to take care of by contacting you. When I was XX/XX/XXXX years old I had a car wrongly repossessed. I made my payments in cash in the drop box of XXXX XXXX XXXX XXXX because my work hours. It never occurred to me at that time that someone could take my money and not apply it to my account. I didn't even know it was going on, until they came to repossess my XXXX XXXX pick up truck. I did not know what to do at the time or how to seek help. Now I am married and have a child and am trying to prepare myself to purchase my first home. I just learned that this was on my credit report and that I need to figure out what to do. I am hoping that either XXXX XXXX XXXX XXXX has some kind of record of this or the employee that may have taken the money, OR that if it was mis applied and possibly of record some where in holding and maybe because I paid cash I may not have properly supplied the correct info to apply it properly. Can you help me? I don't know where to begin. Because it was always cash I have no proof other than providing you a detailed explanation and hope that they have some kind of record even if its a fired employ during that time period. I don't remember my account open date, but the collection account took the account in XX/XX/XXXX for the amt of XXXX. Mine and my wife phone number XXXX ( more info collection company name is XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX in XXXX, Oklahoma. Let me know if you need something else.
Product: Debt collection

In XX/XX/XXXX, I noticed a significant drop in my credit score due to the presence of a reported debt collection from XXXX XXXX XXXX XXXX. This debt collection is linked to my gas service account, bearing number # XXXX. 

To provide some context, in XX/XX/XXXX, I opened a gas account for the residence located at XXXX XXXX XXXX XXXX XXXX. Subsequently, in XX/XX/XXXX, I moved out and promptly contacted XXXX to close the gas service account. During that call, a representative assured me that the account had been successfully closed, and I would not incur any further charges. Since then, I have not initiated another gas account nor received any subsequent notices, bills, or communications pertaining to this account until the recent entry on my credit report. 

On XX/XX/XXXX, I sent a letter to BAY AREA CREDIT SERVICES, formally requesting validation of the debt. I also sought an explanation regarding the circumstances surrounding this alleged debt and requested any associated documentation. Regrettably, to date, I have not received any response to my inquiry. I reiterated this request on XX/XX/XXXX, and, disappointingly, the company has yet to provide a response. 

I would like to solve this problem as soon as possible. However, it is virtually impossible for me to address a debt for which I have not been adequately notified and provided with supporting documentation. It is also challenging to address a financial obligation when the company involved does not seem to make any direct efforts to contact me. 

I kindly request your prompt attention to this matter and the resolution of this issue so that I can work towards resolving any legitimate financial obligations that may exist.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence in a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i l, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the new necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the Experian Consumer Reporting Agency ( CRA ) that I did not approve the following inquiries in on credit report and they refuse to delete them. I also asked for physical evidence where I signed giving these companies permission to view my credit file. Since I did not give any written consent, these items should have been deleted or I should have received the requested evidence with my signature of approval. 

Company name Inquiry Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting ACT, legally these unverified & unauthorized items MUST be DELETED! As a consumer, by law my credit report must be made 100 % accurate.
Product: Student loan

I think Sallie Mae needs to be investigated for predatory loans. Minimum payment for me specifically is approximately XXXX, they won't lower payments or interest rates. By the time i pay off my XXXX loan I will have paid more than double that. Even though I've been making my XXXX payment for 2 years now the balance barely goes down. 

I've attached statement from 1 year apart I've made $ XXXX in payments in the year and my balance has barely moved