23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Avant credit card About XXXX months ago I joined a debt management program. This specific account was not supposed to go into it. It's still somehow managed to get rolled into the program. I contacted both the debt management program and the creditor themselves and talked it out and they said it should be XXXX  days and everything will be squared away again. It is now about XXXX months later I can not use that card. Every month I go to make the payment I have trouble making the payment or I can't log into the account so I have to call. And every time after I call them I'm able to log in and make my payment but by then I have already incured another late fee. I have called multiple times to both programs creditor and the debt management program. The creditor themselves keeps telling me it's the XXXX fault that they're not sending them what they need to send them. The debt management program keeps telling me they have sent off the paperwork and they even sent me a copy of that paperwork which I will attach. Today I called Avant XXXX times got hung up on, yes I'm getting irate, yes I'm mad they keep telling me the same thing over and over the last rep I told her I didn't want her to tell me the same thing that they keep telling me because I keep hearing it back and forth to just listen to what I got to say and I get hung up on again. I just want to either be able to get into my account when I need to get into it and actually use the card. Or just close it and set up auto payments. Also I want these predatory late fees removed. Me not being able to make these payments until after I call and talk to someone every month is not the terms that we agreed upon when I signed up for this card. 

Also Avant told the debt management program they do not allow credit cards in these programs.
Product: Mortgage

Wells Fargo continues to report false bankruptcy information to XXXX and XXXX XXXX. I received my disputed report back in the mail from XXXX around XX/XX/2016 and the information is still plainly there and simply states consumer still disputes after investigation. I have called Wells Fargo and they simply refuse to correct this erroneous information and I have been turned down for a mortgage loan from XXXX because of their negligent reporting.
Product: Bank account or service

TITLE : Wells Fargo : I had an account with a XXXX ; paying minimal interest rates ; & Somehow I was Coerced to switch those accounts to Wells Fargo, By a banker named, XXXX,XXXX , XXXX , tx, who then opened approximately three other accounts, XXXX, etc ... etc ... Well He painted a beautiful picture, promising a 9.7 % interest on a consolidation Loan, which ended up being 11.0 %, which I am still paying. I spoke to a Wells Fargo agent in XXXX, Va named XXXX, who could not lower my rates. I should have stayed with, lower rates, with my Credit Union ; but, admit, that I was Duped, into these High-Interest rates account, and am drowning with Fees. Is there anything I could do? thanks for your time, Sincerely Yours XXXX
Product: Money transfer, virtual currency, or money service

I met in person with someone to help assist with XXXX XXXX XXXX for my condo. I paid XXXX for XXXX XXXX XXXXhrough CashApp that was never delivered and have been ignored by the scammer
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a XXXX account XXXX my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about XXXX the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing frustration and disappointment with the persistent issue of late open accounts associated with my account, despite my prior attempts to address and rectify this matter. 

I previously communicated my concerns, outlining the numerous attempts I had made to resolve the late open account issue. Regrettably, the matter has not been adequately addressed, and the problem persists, causing considerable inconvenience. 

I would like to recap the previous attempts made to rectify the situation : Initiated contact with your customer service department to inquire about and address the late open account. 

Follow-up communication with customer service after the initial inquiry did not yield a satisfactory resolution. 

Submitted written documentation and supporting evidence to demonstrate the discrepancy in the open account.

Escalated the matter to a supervisor or manager within your organization, seeking a more authoritative intervention.

Despite these efforts, the late open account issue continues to persist, and it is disheartening to note that my concerns have not been adequately addressed. This situation has not only impacted my trust in your company but has also affected my financial stability and overall satisfaction as a customer.

I understand that issues may arise, but the lack of resolution and communication regarding this matter is unacceptable. I kindly request your immediate attention to this ongoing problem, with a commitment to resolving the late open account issue promptly. 

I expect a thorough investigation into the root cause of this problem and a comprehensive response outlining the steps your company will take to rectify the situation. Additionally, I request transparent communication regarding the timeframe within which I can expect a resolution. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues to seek redress. I am asking for your assistance to correct these late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00}.
Product: Credit card or prepaid card

Every month synchrony bank report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime synchrony bank report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n
Product: Checking or savings account

I received an offer from Chase bank to open my account and receive a bonus of XXXX dollars. I transferred my paychecks to it, received my direct deposits but didn't receive the bonus. I went to the bank a few times and they told me that the person who opened my account didn't do it correctly and that's why I didn't receive it and that there was nothing to be done. 
However, this is an error on the part of the bank which can be escalated and resolved, as there was no fault on my part. The bank was not interested in helping me. 
That's why I'm opening this complaint to try to resolve it.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint against TransUnion for the inaccurate reporting of personal information on my credit report. TransUnion has listed addresses, names, and an employer that is incorrect and not affiliated with me in any way. 

Specifically, the following erroneous information has been reported : Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Name : XXXX XXXX ( I have never gone by this name. My legal name is XXXX XXXX. ) Employer : XXXX XXXX ( I have never been employed by this company. ) This reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. XXXX failure to maintain accurate records has harmed my credit report, and I demand that this erroneous information be corrected immediately. 

Further, according to Black 's Law Dictionary, " accuracy '' within the scope of credit reporting includes the duty of reporting agencies to ensure that the data they report reflects the true and correct information of the consumer. Failure to maintain accurate information may expose the agency to civil liability under the FCRA. 

Given the case of XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), it is clear that credit reporting agencies are obligated to conduct independent verification when there is a dispute regarding personal information, rather than relying solely on the furnisher. This misreporting demonstrates that TransUnion has not fulfilled its legal duty to ensure the accuracy of the information on my report. 

Please launch an investigation into this matter and ensure that the erroneous information is corrected immediately. Additionally, I request written confirmation of the actions taken to rectify this issue. Failure to comply may result in further legal action to enforce my rights under the FCRA. 

Thank you for your attention to this matter, and I expect a prompt response in accordance with FCRA guidelines. 

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

On XX/XX/2020 I filed several disputes with Experian using the online disputes portal. On of those disputes included an account known as XXXX XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided Experian a letter which stated that XXXX XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my XXXX Account. On XX/XX/2020, I received an email from the Experian Dispute Department which stated that based on the documents I submitted with my dispute # XXXX, an Experian Dispute Specialist modified the account information. When I logged into my Experian account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX told me to contact Experian to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore Experian is initiating disputes that I did not request.
Product: Debt collection

I was in car accident back in XXXX XXXX and the other driver insurance company XXXX XXXX totaled out my car an gave almost the amount of payoff and GAP insurance took care of the rest.Also company listed wrong last of payment on my credit report of XXXX which is causing issues in my credit due to false reporting.But the last payment they recieved was from Gap that paid off car.The company also re aged debt with the credit bureaus
Product: Credit reporting or other personal consumer reports

Equifax refuses to tell me why they lowered my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.
Product: Debt collection

I was left a voicemail by this company stating there is a " pending civil judgment lawsuit '' being filed against me. This voicemail was left for me on XXXX XXXX, XXXX. I called this company to see what it was about. The representative there claimed I owed on a debt to HSBC. He said the last payment was made in XX/XX/XXXX. He said if I did n't pay, I would be sued in XXXX County Court. He said the balance owed was {$2500.00}. He offered a settlement for half of the balance. 

I believe this company is a scam. To my knowledge, it is illegal to threaten a lawsuit if they have no intention of carrying it out. It is also illegal for them to threaten lawsuits on a voicemail. In addition to this, the Statute of Limitations is 6 years. If they are saying my last payment was made was in XX/XX/XXXX, the debt is at least 7 years old and is time-barred. I never received anything in the mail from this company prior to these phone calls, and I am unsure if this is even a valid debt, or if this company is authorized to do these collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WI XXXXXXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} Medical XXXX Balance Owed : {$58.00} Medical XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$56.00} Medical XXXX Balance Owed : {$240.00} XXXX Balance Owed : {$210.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has placed a collection debt on my credit report for XXXX bureaus in the amount of {$1600.00}. I do not owe this debt. I ended my contract early and relocated to T mobile. Then XXXX charged me for the total amount of the contract. when I dispute this account with the credit bureaus the dispute comes back verified. when I dispute the account with the Collection agency XXXX I do n't received any proof that I owe this debt
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX response and remove the account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. The original creditor has failed to validate this account after multiple attempts from the XXXX. The collection agency that purchased the alleged debt failed to furnish something with my signature as required to prove ownership and agreement to credit or services. This document does not exist, and you need to stop reporting this account. XXXX has already deleted this account. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Product: Checking or savings account

am extremely frustrated and disgusted with SoFi bank. I opened a joint saving and checking in XX/XX/year>, with my XXXX love one, to be able to get access and talk on her behalf. She has paper bonds that she asked her lawyer to cash out and deposit the money into the SoFi account, I was supposed to transfer the money into a high interest CD to pay for her daily care and her bills. As soon as the fun arrived in the account, the money was frozen by Sofi without even have one withdrawal taken. When I reached out to Sofi about the account being locked I was told that they needed to talk to the primary account holder, I explained to them that I am the POA and send them a copy but they insisted that they need to talk to the primary account holder. 
They spoke with the account holder and were informed that I had been granted to speak on the account holder behalf, she doesnt have any XXXX or XXXX. The next day SoFi send XXXX XXXX XXXX to the house, they were told by Sofi to come investigate suspicious financial activity on the account. After the agent talked to the account holder alone and was told that her finances was safe, the agent access the environment and find nothing suspicious and clear the case of any suspicious activity, two day later the local police were called to the house by Sofi again still accusing me of fraud. Both the local Authority and Social services confirmed on separated occasions that the account holder was cognisant, aware and communicative and they were no suspicious activity occurring which SoFi was made aware of, but the account is still remain locked. I gave them all proper paperwork with my statue of POA when asked. 
I am a United State citizen, however I still have my native accent. Each time I am disregarded and overlooked a possible POA with a wet signature dated last year. I understand that XXXX individuals are vulnerable and it is important to be checked on, but the visit were not prompt by any suspicious act. This women is like a mother to me, people have no idea how hard and expensive it is to take care of an XXXX at home with 24 hours cares, when the caregivers don't show up I have to leave and miss work and stay with her. This is over XXXX. As a POA, I require access to the accounts to pay for caretakers, the income and property taxes bills that is due right now accumulated interest that I have to pay, but for some reason this flagged as suspicious activity and I was accused of fraud - having not yet made a single withdrawal on this account. This is frightening for an XXXX individual to be unnecessarily questioned by authority personnel, without warning. in the comfort of their home, the women was frightened and didnt sleep for the rest of the week after the police came to the house.

This is unacceptable and SoFi needs to apologize, unlock the account and undergo the necessary rewriting of procedure to stop prejudice attacks like this on his users.
Product: Checking or savings account

I have already contacted the NJ Dept. of Banking, and due to this being a " federal '' banking issue, they referred me to you ( I know that the NJ Dept. of Banking forwarded to you my file and copied you on a letter sent to me dated XXXX XXXX, 2017 ). I have that documentation and relevant correspondence to submit separately if required, but to quickly summarize my complaint here, I have had fraud committed against me by a mortgage company based in XXXX XXXX, NJ ( United One Mortgage/XXXX XXXX-Owner ). A salesman representing XXXX XXXX, XXXX XXXX, made representations about a HELOC that required some personal funding to help " close the loan '' on a deal handled by United One Mortgage. I was asked to deposit {$5800.00} payable to his company XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. The terms of the short term lending, was I was to have received the original deposit + {$400.00}. That total of {$6200.00} was to be paid " within a few days '' of receipt of those funds. I personally went to his bank and deposited those funds in XXXX XXXX. 
After weeks of trying to collect my money, I found out that XXXX XXXX was put back in prison for fraud/money laundering!! XXXX XXXX never told me that, but only said that XXXX XXXX had a XXXX XXXX and is n't available. However, XXXX XXXX was VERY familiar with my financial arrangements, and he said he would " personally take care of it immediately. '' He sounded sincere and convincing. I did NOT appreciate being lied to about the circumstances surrounding his salesman, but I overlooked that fact, and I let him know that. I only wanted the money due to me. To show my good faith approach, I even referred a friend to do business with his firm AND I did n't want to " hit him '' with additional interest on the money that United One was responsible for. I admired the fact that he took full responsibility for the theft and was wanting to " make good '' on the debt and maintain a relationship to expand his business opportunities. Well, after weeks of phone calls trying to get the status of my money, XXXX XXXX decided to withdraw on his financial obligations!! He became very angry and very disrespectful of me. He obviously was being defensive in his position, but all he did was waste many months of my time chasing what was owed to me. He ended the conversation by saying ... '' I do n't give a XXXX, and you should do what you need to do ''!! When I said I would file a complaint, he hung up abruptly.