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

Company went on a Class action Lawsuit for Charging unconscionably high interest rates ( APR ) on its loans, and ending money to consumers without a California lender 's license. 

Please have remove this account from my credit report because its hurting my credit worthiness.
Product: Mortgage

We applied for Wells Fargo loan modification on our loan during the XXXX XXXX and financial crisis. We submitted all the required paperwork and was told that they would review. Wells Fargo initially delayed our loan modification and pursued foreclosure. They came back to us later and demanded over {$4000.00} in fees in order to approve the loan modification. 

They recently sent us a letter saying that they made mistakes during the loan modification process, and enclosed a {$200.00} check. {$200.00} is nowhere near the amount we paid in fees to Wells Fargo, nor is it enough to cover the mistreatment and anguish we endured during the protracted loan modification process.
Product: Credit reporting or other personal consumer reports

Resurgent/LVNV Funding is a company that I have no agreement ( s ) with ; this company continues to report false information on my credit reports.
Product: Credit card or prepaid card

In early XXXX, I noticed unauthorized charges on my Wells Fargo credit card. I called Wells Fargo and was told it would be looked into and adjustments would be made. Approximately 2 weeks later I saw that reduction of approximately {$600.00}. Had been made to bring credit card balance to approximately {$1.00}, XXXX. ( I 'm on a fixed income so as usual when I get paid once a month I pay my bills imediately so not to fall behind ) Well! I get a letter from Wells Fargo saying that " because I had made my monthly payment '' Wells Fargo has reversed the non authorized charges and put the non authorized charges back on my Wells Fargo credit card for me to pay. So Wells fargo did not and does not want me to pay my monthly payment. saying : if I make my credit card payment I 'm to be penalized simply for paying my bill. ( When I paid my  bill the corrected amount was showing. So therefore it said $ payment was due on the adjusted {$1600.00} credit card balance. So now I 'm not going to pay Wells Fargo Credit Card - per Wells Fargo if I pay it it 's  validating the transactions that were not mine. That seem illegal - if I pay I 'm penalized, if I do n't pay my monthly payment I 'm penalized .... So it appears I am not to make my Wells Fargo credit card so I wo n't be penalized? Now my credit card info is all messed up they have made a mess of this and it was already adjusted to {$1600.00}. Not a single person said " do n't make you monthly credit card payment or you will validate unauthorized charges and have to pay the unauthorized charges. I 'm so disgusted that Wells Fargo would do such a horrible thing to any customer - it 's shameful and Wells Fargo gets my XXXX check auto deposited.
Product: Mortgage

On XX/XX/XXXX I sent via Certified mail to JPCHASE Research Department/Archives/Proper Clarification Department XXXX XXXX XXXX XXXX Ohio XXXX - Requesting Documents of : Rearranges " said Amounts Owed for *Start up/Re-instatement of My Mortgage in the amount of {$14000.00} of which XXXX Paid, thru XXXX XXXX What JPCHASE " sent '' / " Billings for this Amount- I am Requesting Itemized amounts of {$14000.00} ( Which is on My Loan '' ) **ANY AND ALL DOCUMENTATIONS USED/PERTAINING TO EHLP BILLINGS FOR PAYMENT AND/ALL CORESPONDENCES TO/FROM XXXX XXXX AND HUD- FOR , I AM : DISPUTING THIS SAID AMOUNT '' ..AND TO THIS DATE I, HAVE NOT OBTAINED MY RECORDS ( AND AS STATED ABOVE SENT VIA CERTIFIED MAIL ON XX/XX/XXXX OVER 1 MONTH *AGO*. 

AND, I AM, ALSO-*DISPUTING* THE CHARGE OF {$19000.00} * XXXX ** in XXXX I was under a loan Modification and on trial payments : XX/XX/XXXX Amount- {$800.00} PAYMENT- plus All other Trial payments /Prior *where not applied correctly and/or Never Applied at All / these amounts " sat in ( unapplied balance ), and last " Principal Balance in XX/XX/XXXX was {$160000.00} And on XX/XX/XXXX Principal Balance JUMPED to {$180000.00} JPCHASE ADDED as- " loan maintenance fee '' of $ XXXX I Dispute- These Charges.. I - do Not have ANY Billings or Documentations of " Charges '' and " Credits are Not being Applied Correctly/and/or Not At ALL, and I am Not Receiving INFORMATION REQUESTED AS SUCH.
Product: Debt collection

Name : Southwest Credit Amount : {$1200.00} Original Creditor : XXXX XXXX   For the month of XXXX ( XX/XX/XXXX ), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My wife and I then paid rent/utilities for XXXX ( XX/XX/XXXX) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX  we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from XXXX XXXX XXXX and Southwest Credit. It has now almost been 2 full years that I have been disputing this debt with XXXX XXXX. My wife and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
Product: Credit card

I have been having issues with Chime for a week. This started XX/XX/2023. I was expecting my last check at my previous job. Chime offered a Credit Card builder which I signed up for. I haven't put any money on it because I was waiting to start my new job where I make enough. The bank automatically sends your direct deposit to your Credit Builder. I usually transfer my funds to my Checking Account but since I was not able to get into the App itself I could not transfer. For a whole week almost everyday I have been trying to get a hold of people from Customer Service and nobody was able to help me or listen to me. They all kept telling me to Reset my password and even sent me links to my phone which I explained to every person I talked to that it's not working. A Error promos up saying that the Email and Password combination on our account do not match. However, I was still able purchase with my Debit card linked to my checking account. I tried to report fraudulent activity with my last call but each person I spoke to said my account was in good standing so they don't know why I can't access my account. I get the links sent directly to my Email and Phone so I know my account is matched and they were able to pull it up with my Social Security number to verify that my account was active. I thought I lost my Credit Card so I had them issue me a new one. I asked them several times to transfer the funds to my Credit Card to my Debit so I can at least use it but each person I talked to said they can't access that. For whatever reason, the App itself is not working and they're not giving me the money that's in my account or making it easier for me to access it. This has been going on for over a week now and I already threatened to initiate a lawsuit for neglecting my consents with the possibility of my account being hacked since nobody will give me direct answers or help me.
Product: Money transfer, virtual currency, or money service

I initiated a {$100000.00} international wire from my XXXX  business checking account ( Relay Online Banking ) to another account of mine in XXXX owned by the same exact XXXX for a purchase of a real estate property in XXXX. 

After XXXX business days the money never arrived and when I asked the bank about it, they asked for a lot of additional information due to the large amount of the transaction. I provided all the information I could, but there was stuff I didn't have, XXXX. a Website, proof of Marketing, Payroll information, etc. ( The XXXX is recently created and does not provide any services as a business, it is meant for privacy and asset protection ) After XXXX business days without any updates on the status of the international wire, the bank reached out to via email questioning other non-related transactions in my account. Those transactions were ACH transfer to XXXX in order to invest some of the XXXX assets in the platform. ( I still have the funds in XXXX ). 

From my understanding the Bank does not handle its own wire transfers, since they claimed that their wire partner is the one requesting all the additional information to the transfer. 

I initially had concerns that their wire partner had unrestricted access to all my transactions violating my privacy. ( But I'm not too sure about this ). 

Recently, relay ( the bank ) reached out to me via email saying that my account is being closed due to my involvement with " crypto ''. Note that I never received or made out payments in cryptocurrency. All I did was fund my XXXX account. 

Due to my account being forcefully closed, they said I had up to 10 days to transfer the remaining funds of the account out. At the time was roughly {$4500.00}, which I transferred to a personal account. But, the original {$100000.00} from the international wire still missing from my account in the XXXX and also from the account that the money was supposed to go to. 

In the bank application, the status of the wire is considered " returned '', but the money is still missing. I have contacted relay bank several times since the past 20 days and they refuse to speak over the phone and state they can only communicate over email. Their responses are ambiguous, not timely mannered and do not provide any helpful support/info. 

The unsuccessful wire and the inability to return my money on reasonable time caused me to lose the real estate deal. This whole issue caused hard ship in my family and disturbance of the XXXX holidays. 

I have reached out to an attorney, but haven't had any luck. Please kindly advise how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in  XXXX    XXXX  . Complaint #  XXXX  has stated that   XXXX   was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United St ates Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court representative. I asked him, " How is it that  XXXX  or a  Third Party  able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.     I then decided to contacted the Bankrupt cy Court and they informed me that they do not provide anyone with a debtors full social security number, an d they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written request, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Mortgage

I currently am behind in my mortgage payments and have submitted an application to be considered for a loan modification. I have provided all documents requested to be considered for assistance but I have a foreclosure sale scheduled on XXXX/XXXX/15. My mortgage company is saying they dont have enough time to complete the review and that my home will go to sale. I need help getting this sale date postponed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting invalid account. I have sent multiple dispute to no positive resolution. I decided to submit the submit via CFPB so it can go quick. 
Thave a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair ' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old.
Product: Credit card

On XX/XX/2024, my Capital One credit card account was unexpectedly closed. Throughout my entire history with the account, I have never missed a payment and have always paid on time. After receiving no prior notice or explanation, I called customer service to inquire about the issue. They informed me that they required my ID number to resolve the situation. I promptly sent over a copy of my drivers license the same day. However, I was told their email system could take weeks to process such documents.

Two weeks later, I followed up to check on the status and was told that, in addition to my ID, they now needed my Social Security number. At this point, I was extremely frustrated and confused. My immediate thought was : How could they have opened my account and approved me for a credit card without already having this critical information? Regardless, I complied and sent over my Social Security card, but this dragged on for weeks without any resolution. 

During this period, my account remained closed, and I was unable to transfer my balance to another card or take any other action. To make matters worse, as I attempted to make my minimum payments, I noticed they were essentially being eaten up by interest charges. When I called to follow up on the status of reopening my account, the representatives seemed clueless about the process, offering no clarity or solutionsother than demanding payment. While I understand the need to pay what I owe, I find it unreasonable and unfair to be forced to pay on an account that was closed without explanation, one in which I can not even transfer balances.

This is the first time Ive encountered such treatment, and frankly, I feel like something underhanded might be happening behind the scenes. The closure of my account is now negatively impacting my credit score, which had been a solid XXXX and has since dropped to XXXX. That drop is not only disheartening but also very concerning, as Ive worked hard to maintain a good credit score. If theres any advice or assistance available regarding how to address this situation, I would be incredibly grateful for the guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
None of these are my accounts
Product: Mortgage

Received multiple calls per day from Nationstar mortgage starting at XXXX. Loan is not overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only XXXX4..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a XXXX of inquaries tht i cant access... thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how Equifax and XXXX did their investigation. They keep on reporting the account as a repossession but they wont give me an explanation as to why they wont fix it.. This error has affected my credit score. CFPB please step up and fix the account asap XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report and found an old account that should no longer be reported. The data furnisher is reporting incorrect information. The date of the last activity on this account is older than 7 years. This account should no longer be reporting on my credit report. The name of the account is : XXXX XXXX XXXX with a reported balance of {$530.00}
Product: Checking or savings account

On XX/XX/year> I tried to open a checking account at SOFI.

It requires that you put in your mailing address. My town, XXXX, CA does not deliver mail to our homes we get all mail to the USPS Post Office. Therefore it is a po box . SOFI does not allow po box es. I tried putting in my street address and that is not found.

I went on chat with one of SOFI 's agents he had me put in the address in many ways but none of them worked. He said that they verify addresses using USPS database and there was nothing he could do about it. He told me I had to go to USPS and get them to correct it! I have found no way to do this.

This means that no one in my town or for that matter anyone in a rural area would be able to open an account at SOFI. How can this be correct?
Product: Credit reporting or other personal consumer reports

Three fraudulent inquires are reporting to my Equifax credit report. I've repeatedly reached out to Equifax about this and they continue to report this false information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans are through XXXX XXXX. Any extra payment goes to interest and not principle. I did n't think that was legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid off but is still on credit report.
Product: Debt collection

Acct : XXXXXXXX XXXX XXXX XXXX XXXX Billed for service not rendered XXXX XXXX XXXX. Original bill show service fee XXXX XXXX XXXX. Disputed claim as false attestation of service rendered claiming fee for service by XXXX XXXX XXXX. 

3rd bill came out and was changed to another party being a XXXX XXXX and XXXX XXXX billed me the same rate for XXXX XXXX. 

Therefore I am filing a dispute for false claims.
Product: Debt collection

While reviewing my XXXX  credit report noticed collection account from credit control LLC I received notice notification of this under 15 U S C code 1692g I am requesting validation of this debt along copy of purchase agreement with my name on it and not a debt pool. Also chain of custody agreement and copy of my signature entering contract with collector.

This has been posted on my credit report without validation and needs to be removed immediately