23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

For the 4th time, I am requesting : 1. Documentation regarding my fraud investigation. Wells Fargo still did NOT provide me with any documentation regarding my investigation.

2 Documentation on the 3 merchants the Non Wells Fargo ATM charges occurred. I asked Wells Fargo for information on these merchants and they did not comply with my request. Since I have never been to these places and they don't exist on XXXX, I am requesting Wells Fargo give me information on : XXXX XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these businesses are real, therefore, how could legitimate ATM charges occur? 
*On XX/XX/scrub>XXXX  a new fraudulent transaction occurred again at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been to this place. According to XXXX, it does NOT exist. I have my debit card with me and have NOT given it to anyone. Wells Fargo needs to investigate how I keep gettting money withdrawn from places that do NOT exist. Please, this is my fourth request trying to figure out why fraudulent withdrawels are happening from places that don't exist.
Product: Mortgage

This letter is to make PHH aware that it has committed multiple errors that have caused me damages and injuries. PHH refuses to acknowledge me as a successor in interest. There is no dispute that my late husband passed away on XX/XX/XXXX. I have sent multiple communications making PHH aware of this. XXXX XXXX sent a letter as well. I have been injured for no less than {$150.00} as of right now. XXXX XXXX sent the letter on XX/XX/XXXX making you aware that I am the successor in interest. I have attached the death certificate, my drivers license, the deed showing I own the property.
Product: Vehicle loan or lease

I basically had a 2012 XXXX XXXX. It had XXXX miles on it. I paid XXXX off. It was repossessed. It was my first car loan. They took out a XXXX loan for a car that was on worth XXXX. I feel like this was predatory loaning. I basically paid for the car. They reposssed it when I lost my job. And put this balance in my credit. The starting price for car was XXXX. Im just wowed at the balance sitting in my credit.
Product: Mortgage

The rigmarole continues. The banks are ready and able to lend a helping hand. Just ask ... ... but its a F, F, F, F, F Farcical. Wells Fargo is a House Preservation Farcical. 
Attached after 2 years of document submitting rigmarole of my demise. 
1. Doc XXXX letter says thanks for all the docs ( in my case a lot ) 2. Doc XXXX " Sorry you do not meet the requirements because you failed NPV '' ( AS IF I CAN GO ELSEWHERE AND REFINANCE -- NOT!!! ) 3. Decision letter after appeal " you still do not meet the requirements for loan modification '' ( HOWEVER, I DID OBTAIN MODIFICATION ON MY OTHER PROPERTY!! ) Is there a different game being played at Well Fargo?? XXXX HOW CAN I QUALIFY OVER THERE BUT NOT OVER HERE??? WHY IS WELLS FARGO DRAGGING THIS ON CAUSING MORE GRIEF?? All I ask for is fixed rate loan modification with a reasonable low rate. A real modification that is not abusive by jacking up the overall loan amount. I am at no fault the entire banking system crashed and still broken. To dance this dance another 20 years I just need a LOW FIXED RATE!!!! WELLS FARGO IS NOT TAKING INTO CONSIDERATION MY COMPLETE FINANCIAL EQUATION OTHERWISE I WOULD HAVE THE MOD ALREADY!!!
Product: Credit card or prepaid card

A charge was billed twice by XXXX rental car on XX/XX/XXXX and XX/XX/2022. In XXXX I called capital one to dispute the charges. At the time they deleted the charges, just to hide the, inside the XXXX bill. No letter was received concerning this matter ( I do not have electronic content ). I called capital one again in XXXX after noticed the increased on the bill. They say XXXX was right even though they did not provided a service. Capital one requested more information and this was provided on XX/XX/XXXX. On XX/XX/XXXX capital one dismiss the case and charged the {$250.00} again, claiming the time to dispute the charge was expired. I requested talking to a supervisor and this was ignored.
Product: Credit reporting

they removed this from my credit report XXXX {$6000.00} Which is in good standings and want back on all XXXX reports
Product: Credit card

i was an authorized user on XXXX XXXX CAPITAL ONE credit card... XXXX XXXX has requested for capital one to remove me as an authorized user 2 times and my credit report still has me as an active authorized user til this day... .please remove me
Product: Prepaid card

I am a customer of Rushcard for several years. About 2 weeks ago they had a system change which rendered my card useless. Since then my balance is missing XXXX I tried contacting member services for days. The phone would hang up after XXXX rings. I sent emails and XXXX messages that were unanswered. After finally holding for XXXX hours I get a rep that says he sees the discrepancy and will send it to the risk team and I will get a call back. I have not received a call. As of today the systems are down again. This is insane.
Product: Credit reporting

I attempted to logon to Experian to obtain access to my credit report. I need a credit report number to file a dispute and the service I use through XXXX does not give me a credit report number. When I attempt to login to the site, to purchase a copy of my credit bureau, it gives me an error. I contacted Experian ( as per their website instructions ) and I was told due to an internal error they were unable to reset my password and I could not access my report. They then suggested I call XXXX to see if they could help. I advised them their internal computer error was not my issue and that I needed a copy of the report. They refused to assist me. I spoke with a supervisor named " XXXX '' in the Texas office - ID XXXX who refused to transfer me to a manager and told me she had no information on any regulatory agency governing the bureau. I would like to be sent a copy of my credit report so that I may dispute an item that has been reported to me through a 3rd party ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXXXXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 3. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4. BANK XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos ) 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported on my XXXX loan account Account Number # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Equifax requesting removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ) specifically Section 605 ( b ) which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

This account/loan was opened under my name, and my banking information was used as well. In result I have to have my bank account closed.
Product: Mortgage

My mortgage company, XXXX can not explain why there is a fee of {$1500.00} that no one can explain to me. This amount just showed up my latest statement. Please see attached. 
I have a serious problem because I have been approved for the Lead program, Weatherization program, and a grant to assist me with repairs. 
The XXXXXXXX XXXX XXXXXXXX will not continue with my application because of these fees assessed on my statement. The weatherization folks came out and determined that I need a new heating system but can not do the work until the City signs off on my application. 
Your immediate attention regarding this matter is greatly appreciated. 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX 2020, I made a transfer of {$500.00} ( out of my XXXX Federal tax return which was direct deposited into myXX/XX/XXXXServe American express Prepaid Account ) into my BankMobile Checking account ending in XXXX. Up until today, XX/XX/XXXX/20 there was a " processing transaction '' note including the amount on my Serve account statement summary. Serve by American Express will not respond as to what is going on.
Product: Credit reporting or other personal consumer reports

This account violates consumer rights to privacy and confidentiality under 15USC1681, 15USC1681 section 602A, 15USC1681eb, 15USC1681c.a5, 15USC1681s2A1 demand for instant discharge requested.
Product: Credit card or prepaid card

This credit card provider is charging cash advance interest on purchases made with the credit card when payments have been made immediately on the account to cover the purchase balance for purchases made by the consumer that are without grace period. Credit card company is applying the payment the consumer made for purchases that has no grace because of the existing balance transfer of 0 % APR, while carrying over a balance of the purchases made on an interest of 27.74 % interest to charge false interest. Meanwhile, the balance of the 0 % APR balance transfer is always been paid as the minimum payment provided on the monthly statement as additional payment to the payment of the purchases. This same credit card company representative had informed me in XX/XX/XXXX correspondence ( see attached ) that if I pay the total purchase amount plus the minimum payment in a billing period, I would not be charged any interest on the purchase, thus ensuring that the balance on the account remains on the 0 % APR balance from the balance transfer due on a much later date. On XX/XX/XXXX statement I was charged {$4.00} on a purchase balance which I had paid off immediately after making the purchase. When I wrote to them about that interest charge, it was refunded. On XX/XX/XXXX, they got bolder and charged me {$11.00} on the same issue, after I had informed them that they should desist from that false interest rate because I paid in full the purchases made immediately, but they rather chose to apply the payment I made for the purchases to the balance of the 0 % APR balance transfer and charged me 27.74 % on the purchase balance I had made full payment for. I reached out to them to refund the interest of {$11.00}, and to correct their fradulent system but they refused. On my XX/XX/XXXX statement, they have gone even worse to now charge me {$62.00} interest on the same issue by fraudulently channeling payments the consumer made towards purchases that has no grace period to the balance of a balance transfer of 0 % APR and charging 27.74 % in the form of cash advance on the balance of the purchases made with the intention to steal from the consumer. The reason why they are doing this and how they come up with the amount the amount that is the purchase balance that is carried over in the statement balance they are unable to explain. Instead of admitting the error and fradulent attempt of their system, they have continued in this financial discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about this account reporting late when they illegally closed my account while it was current and never late. This account was closed without my permission for no reason of my own. The law states all information must report accurately otherwise be deleted. I plan on pursuing this account in small claims court I have records showing this account being closed I've never been late. I demand this account is removed from my credit immediately as it is reporting inaccurately showing late and I've never been late showing open when it was closed for no reason. When I spoke to the agent they immediately apologized for the status and said they would remove this status and were not able to provide the reason the account was closed. The only thing they mentioned was they sent me a letter to my old address asking me to verify my account I never received a letter so they closed my account and it was currently never reporting late ever in the 2 years I've had an account.

I'm in the middle of purchasing my home and this incorrect information that is reported inaccurately is affecting my purchase remove immediately.
Product: Credit reporting or other personal consumer reports

I do not have an account nor have an authorized or consented to communication with this company. I have no contract and have never signed or agreed to any contract or communication with this company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards opened with XXXX XXXX  on XX/XX/XXXX, a credit card opened with XXXX XXXX on XX/XX/XXXX, and a personal loan with XXXX XXXXXXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of aggravated identity theft.
Product: Mortgage

I am the current existing Mortgage customer of ( Truist Bank ) previously called ( Suntrust Bank ) since XXXX..Back in late XXXX, I participated in the program Mortgage called ( forbearance ) due to XXXX XXXX, and this program ended on XX/XX/XXXX. The ( Truist Bank ) then offered me after expiring the ( forbearance ) period ( The XXXX XXXX ) based on a fixed rate of 3.125 % with monthly payment of about XXXX They said in order to finalize this loan modification they would send me the paperwork that I need to sign and Notary Public.So they sent the package to me on XX/XX/XXXX, and I signed and notary public, and I returned the package to them in the same month. The package was received by ( Truist Bank ) on XX/XX/XXXX hoping they finalize my loan modification as soon as they receive my complete documents, but that did not happen.. I started calling ( Truist Bank ) on middle of XX/XX/XXXX so I can follow up with the whole process, anytime when I called and talked to them the agent of ( Truist Bank ) had no clue why my loan would not go forward. It was in late XX/XX/XXXX, I decided to call again to find out why my loan was not finalized since July when they received my paperwork. Just for your information the ( Truist Bank ) since july, never contacted me to inform me if they receive the package, or there is any issues involved with process until on late XX/XX/XXXX XXXX ( Truist Bank ) agent told me that there is an error and issues with this loan that ( Truist Bank ) caused that. Another word ( Truist Bank ) made a mistake on my loan modification to create a correct loan modification package. They promised me to send the correction package as soon as possible, also they promised to give me the heads up when this package would be sent to me so I can receive them properly and sign a return. I waited throughout the months of XXXX, and XXXX and I received nothing from them since they had all my contact info such as my Cell Phone # and email, I was very confident they would contact me when the new package was about to be sent to me.. So in XX/XX/XXXX, there was a loss of my family members, and I had to leave the town for the funeral so when I came back home on XX/XX/XXXX, I realized there was a package from ( Truist Bank ) right outside of my door and it was raining down. So the next day I took the package to my local bank and gave it to the notary public and I returned it to them. Two points I would like to make 1- ( Truist Bank ) agent never called me or emailed me to notify me that they were going to mail me the package on XXXX XXXXAlso on their package there was no such a deadline that must be received by a certain date. So when the package was sent to them in XXXX and received by them in that month, they decided to reject my package as a late arrival for no reason. Because of their false excuse they Kicked me out of this loan modification program, Now they want to implement another loan Modification on me with a much higher interest rate and monthly payment.. This is not acceptable ( Truist Bank ) covers up their mistake on me..
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to dispute these hard inquiries on that's on my credit. It is not me who ran these hard inquiries on my score
Product: Debt collection

XXXX XXXX XXXX  closed my account and wrote it off & sold my account to XXXX XXXX and I sent them a debt validation letter which was delivered on XX/XX/2024 which is well past 30 days, no response & as soon as they got the letter they either alerted XXXX or they themselves then tried to sell my account to XXXX XXXX XXXX XXXX XXXX XXXX ( once they got another address for me ) I would like to file a complaint against these folks because they should have already removed the listing from my credit and not tried an underhanded technique to try to further come for me, especially when the debt has been paid towards twice : Which Is Fraud : See UCC Laws : Thank You
Product: Debt collection

To whom it may concern : I am unaware of of this debt CREDIT MANAGEMENT, XXXX. I did not have an opportunity to dispute this information. If in fact, CREDIT MANAGEMENT, XXXX, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this. 
I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) CREDIT MANAGEMENT, XXXX, is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. 

CREDIT MANAGEMENT XXXX XXXX, has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) ( A ). 

I am disputing that I owe any and all debts to CREDIT MANAGEMENT XXXX XXXX. I am revoking all rights for them to communicate with me through email, text, and calls.
Product: Debt collection

COMPANY NAME RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX MI XXXX Reference # XXXX letter date XX/XX/2022 Balance {$5800.00} they want to suing me to collect this debt that was legal time limit [ statute of limitation ] have expired. It is a violation of the fair Debt collection practice Act 15 U.S.C 1692 to sue to collect a Debt
Product: Credit reporting or other personal consumer reports

AMERIHOME MTG CO, LLC Account number : XXXX Account type : Mortgage Responsibility : Individual Date opened : XX/XX/XXXXXXXX   Status : Transferred, closed. 
Status updated : XXXX XXXX  This account was reported 30 days in XX/XX/XXXXXXXX  but both XXXX and XXXX has removed this. This is the only account that shows on XXXX as potentially negative. Since then it has been reporting correctly. I am unsure of what to do to have it removed but it is the only negative item showing up on my credit report. 

Please advise and help. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to resolve with credit bureaus and no results
Product: Credit card

Synchrony Bank ( Credit Credit ) lowered my credit limit. I did not ask them to. I was not late on my card payment. Card it almost paid off. They ran my credit again without asking and proceeded lower my credit score when i did not ask for increase or decrease. they said they ran my credit and reevaluated my credit limit from XXXX to XXXX i only owe XXXX on the card.