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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Capital One Quicksilver Card I opened up a card as I wanted to take advantage of the balance transfer offer they gave me. I called in XXXX and gave them my information to pay off another credit card I have. After a few weeks, I noticed my old credit card was never paid off. 
I called Capital One to inquire, and upon talking, discovered they sent the check for the balance transfer to the wrong address. They advised me they would stop payment on the check and reverse everything, including fees assessed for the transfer. It is now XX/XX/XXXX, and I still have this balance on the CapitalOne card and my other card as well. I call every week or so and inquire and am always told it takes 1 to 2 billing cycles. Today I called, once again, as it is again the end of the billing cycle, and told no it will be reversed next billing cycle. I ask to speak to someone higher and the customer service rep sends me to their supervisor, who gives me the same explanation and says nobody is above them. So now I have a balance transfer on my card Capital One card for the past XXXX going on XXXX months that never even made it to the card I was paying off. Meanwhile I have payments due on money I never even received. Meanwhile I am forced to make payments on money I never even received! Capital One sent the payoff check to the wrong address and it never made it to the card I was trying to pay off with the Capital One card. So Now I have a balance of {$960000.00} on the Capital One and on the card I wanted them to pay off.! This is unacceptable that I have almost a {$10000.00} balance on the Capital One card that I never even received the money as well as {$10000.00} on the card I was trying to pay off. It is messing with my credit, my credit score as well as my mental health as I am stressed that I have this much outstanding credit on my credit report and am unable to get credit now as a result! This whole process started mid XX/XX/2022. There is absolutely NO reason this should take this long to clear up my account. If I dont get some satisfaction, I will be contacting a lawyer and also the XXXX XXXX XXXX . Im tired of being told different dates every single time I call in.. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

So a scammer gave me {$3500.00} on XX/XX/XXXX, and told me to send {$2500.00} to various people, USAA locked my account, and after calling them on XXXX ; XXXX, they are keeping it locked for 6 months, and said I need {$1600.00} to unlock it!
Product: Debt collection

This. company Tek-Collect, Inc appears on my credit report for {$620.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to my late payments with Bank of America I paid thru mobile app and would transfer money fro checking to credit card payments but one month I pressed bill pay and they decided not to take payment, but it was taken from account. They decided to mail me a paper check for the payment instead of applying it to my account for two months in a row. Once they realized mistake they credited money to me and closed my account which I didnt want. want!! I made the payment and they made a late fee adjustment on XX/XX/XXXX and also XX/XX/XXXX but then on XX/XX/XXXX they returned payment. Why would they make adjustment but not take late payment off???
Product: Mortgage

For 11 months, Wells Fargo Home Mortgage ( WFHM ) gave me obstacles as pretext for denial of my mortgage refinance application at a low percentage rate of XXXX. This is a case of misrepresentation. I lost close to {$2000.00} dollars and a lot of time in which I could have applied for the refinanced mortgage at the same rate at another bank. WFHM admitted to customer problems with their " Loan Tracker '' system that did not properly capture, save and track my confidential documents that I was asked to submit again and again. WFHM requested the same confidential documents with SS numbers and bank statements numbers, personal tax info, etc. repeatedly and because of the faulty " Loan Tracker '' system, they suggested I submit confidential documents by email. Seven mortgage processors, one mortgage consultant and two managers were involved in handling my application. The first mortgage processor who handled my application was described by the WFHM consultant as incompetent. He instructed me to mail an income tax document with a " wet signature '' to a WFHM address he later explained was invalid. A home appraisal was ordered two times.I was not notified of WFHM instruction to order a second appraisal and questioned who would pay for the second appraisal. I never received a response. Several times, WFHM notified me that I would be closing in the next month, for example in XXXX and no later than XXXX. But later I received notice from a different mortgage processor that the same documents I already submitted were then requested again ; and additional documents and inspections were requested. Another obstacle surfaced when the WFHM manager said the bank ran into an internal " glitch '' regarding Certificate of Title. Eleven months later, I received notice from the bank that the application was cancelled. In XXXX XXXX and on XXXX XXXX, XXXX, the WFHM loan administration manager told me that he would have to get the " proper parties together in order to come to a consensus '' regarding the percentage rate lock. In an attempt to resolve the matter, I reached out on XXXX XXXX, XXXX to the Senior Loan Administration Manager and the Loan Operations Manager and again in XXXX XXXX and XXXX XXXX. This is a case of misrepresentation and WFHM has received my money for the refinance application, home appraisal, and inspections totaling close to {$2000.00}. dollars. I lost significantly greater cost savings by not refinancing my WFHM at the rate lock of 2.375 %. WFHM strung me along extending the rate lock numerous times while requesting documents repeatedly and more documents, while charging me unnecessary fees. Note my credit score is Excellent and I've been a WFHM customer for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX   XXXX  with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Checking or savings account

Discovered fraudulent transactions on my account in which someone hacked into my XXXX. They then used my account to siphon funds from my account. Upon discovery of this I notified Bank of America, provided a letter from XXXX whom also confirmed this was fraud. I provided Bank of America with a case # for XXXX as well as a letter indicating it was fraud. Even after providing compelling evidence, Bank of America continues to refuse to honor their XXXX $ fraud protection. I have also spoke with the payment processor company XXXX who also confirms fraud, sent me a letter as well and indicated Bank of America absolutely has the authority to recover my funds and refuses to do so.
Product: Credit reporting or other personal consumer reports

Introductions : Federal Legal Standing and factual evidence Equifax in violation of my Private Rights and federal law 15 U.S.C 1681, 15 U.SC. 1861i.

I am a natural Person ; I am a living begin. I have rights Under 15 U.C.S 1681 Equifax is governed by 15 U.S.C 181. Equifax has violated my right numerous times. I demand that my address be corrected. As I have discovered and disputed personal information. The address that Equifax has listed on my credit report is not my address. I did dispute the inaccurate information. Equifax continues to furnish inaccurate information address. According to 15 U.S.C 1861i I have the right to accurate information, and I did not give Equifax written notice or permission such address.
Product: Mortgage

My loan modification was denied based on lack of ability to pay which I believe is incorrect. I've attached supporting documents to substantiate my income. It has always been my intent to repay my loan and keep my home. My home is scheduled for foreclosure on XX/XX/2018. I am only asking for an additional time to explore my options for saving my home and be able to resubmit and an application for loss mitigation.
Product: Checking or savings account

XXXX XXXX XXXX XXXX a fraudulent charge of {$800.00} on my bank of America card from XXXXXXXX XXXX XXXX  in XX/XX/22. Immediately I disputed it with Bank Of America and they temporarily refunded the amount as they reached out to the merchant. 
Bank of America responded XXXX and refunded the amount pending investigation. 
On XXXX Bank of America withdrew {$800.00} that they had refunded. They claimed that XXXXXXXX XXXX XXXX  provided proof of delivery. 
However NO Shipping Company wasTracking Information was provided. 

The email provided for the company is XXXX There was no CVV response provided. 
He claims it was processed though XXXX  and a processor called XXXX XXXX I haven't made any purchases with XXXX 
My card wasn't present. 

Bank of America is refusing to refund this fraudulent charge.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am attaching an updated FTC report created today containing XXXX fraudulent accounts XXXX fraudulent inquiries along with a fraudulent address to be blocked removed deleted under FCRA 605B! Chex Systems had alerted me in an older FTC report that they were unable to open XXXX files which contained my Drivers license and social security card. Being that is of great importance to move the process further I have figured out the problem on my end and will be attaching all the necessary documents to process further into a resolution. I do apologize for the mishap on my end as I hate going in circle as Im sure you do.
Product: Credit card or prepaid card

After I applied for this account, Discover agents had been trying to stop me using this account by all means. They first started with asking for me for XXXX form and State ID information. After I had submitted those forms and information, I asked an agent if the information I submitted was good, he said yes. And then a few days later, another agent contacted me and said that they could not approve my information. So I asked for the reason, she could not explain it clearly to me, just saying that you may need to reapply later.

And after Discover closed my account on XX/XX/XXXX, I called the customer service center to check what exactly happened to my account, the agent then responded with the statement that " there is a duplication of my social-security information, and the accounted was closed because we received no response from you. '' Ironically, I have never received a phone after my ever since the second Discover agent contacted me.

So I tried to reapply, but every single time, Discover declined my application for the reason that there is an existing Discover account. Honestly speaking, I don't know how Discover operate my account, but it seems that did not close my account completely. Now I could neither use my account nor reapply for it. And I also received a message that Discover had reported to the credit bureau for the forceful account close, which had significantly affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the Consumer Financial Protection Bureau about not being able to get a free report from Experian. I was told they needed more time to fix this problem. Now, I am getting emails from Experian, however when I tried to read these emails I am being required to provide information which I don't have on order to sign in. Why can't they send me a response through the XXXX. Postal Service?
Product: Debt collection

Settlement for XXXX XXXX debt collection was done through their agency, XXXX XXXX XXXX. ( ERC ) on XX/XX/2017. 
The collection information is not deleted from my credit report after the Settlement was made.
Product: Debt collection

I have scheduled a payment to be made from my account on XX/XX/XXXX, but Portfolio Recovery continues to call me about collecting this payment. They use various numbers when calling : XXXX, XXXX, and XXXX in addition to the one I listed previously. 

I have a letter from this company stating the payment will go through XX/XX/XXXX, but they apparently don't relay that information to other departments. I am tired of these calls, and no longer answer when they call. These calls came on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Regarding Misrepresentation of Loan Terms and Excessive Interest Charges Dear CFPB Representative, I am writing to formally file a complaint regarding what I believe to be deceptive loan practices and excessive interest charges involving a purchase I made through XXXX XXXX in collaboration with Wells Fargo. Below is a summary of the issue : Transaction Overview : Date of Purchase : XX/XX/XXXX Loan Amount : Approximately {$4000.00} Payment Agreement : $ 149 monthly installments over 12 months with a 0 % interest rate, as explicitly stated by the sales representative at XXXX XXXX. 
Events Leading to the Complaint : I paid $ 149 monthly without any issues from XX/XX/XXXX through XX/XX/XXXX, totaling approximately {$1900.00}. 
In XX/XX/XXXX, I discovered that I was charged approximately {$1100.00} in interest. 
Upon inquiry, XXXX XXXX informed me that the 0 % interest rate applied only for the first 12 months, and that subsequent payments would incur interest charges retroactively if the loan was not fully paid by then. 
Current Situation : As of XX/XX/XXXX, I have approximately {$2000.00} remaining on the loan, but Wells Fargo claims I must pay {$3100.00} to settle the loan in XXXX significant increase of {$1100.00} due to interest. 
I find it unfair and unreasonable to be charged such a high amount of interest for XXXX month of exceeding the promotional period, particularly since I was unaware of this condition at the time of purchase. 
Why I Am Filing a Complaint : Lack of Transparency : At no point during the sales process or loan agreement was it made clear that the 0 % interest rate was contingent on full repayment within 12 months or that interest would be applied retroactively. 
Excessive Charges : Charging {$1100.00} in interest on a remaining balance of {$2000.00} for a single missed condition appears exploitative and unjustifiable. 
I am requesting your assistance in investigating this matter and helping me resolve the following issues : Verify whether the loan terms and conditions were disclosed to me appropriately in compliance with Texas and federal laws. 
Determine if the {$1100.00} interest charge and the remaining balance of {$3100.00} are lawful and fair. 
XXXX Wells Fargo to provide a clear explanation of how interest charges were calculated. 
I believe these practices XXXX constitute deceptive lending practices, and I kindly ask for your guidance and intervention in ensuring a fair resolution. 

Thank you for your time and attention. Please feel free to contact me at [ your phone number ] or [ your email address ] if additional details or documents are required. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I was speaking to a loan agent while on my break at work and they had to contact an agency to make sure they could finalize the loan and I told them to call me back so I could give them confirmation that I still wanted the loan. I was unable to answer the phone due to being at work and they went ahead and finalize the loan without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

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

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.c 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I was supposed to be the recipient of a wire from XXXX XXXX on XXXX XXXX 2017 in the amount of {$3800.00} into my Chase Business account. The company sending me the wire put my name, company name and address on the wire instructions. I never received the wire so I called Chase bank multiple times to find out what happened. They told me that it went into the wrong account despite my name being on the instructions instead of the wire being rejected like it should have been instead they put it into another Chase account of someone elses. The sender had put in a request for the wire to be recalled almost immediately after it was sent when I told them I did not receive the wire. The sender went back into XXXX XXXX and put in a recall for Chase to return the wire which they ignored and subsequently the person that received it instead of Chase recalling the wire they ignored my multiple calls and did nothing. A rep on the phone from Chase had told me that person that received the wire withdrew all the money within 5-6 days and that the account had insufficient funds and actually owed Chase money. I continued to call multiple times and spoke to a higher rep whom told me that he would put a claim in that was 4 months ago and I have heard nothing back from them. The higher rep told me that they would put a lien on the recipients wire and the money would be returned to me which I have not received or heard anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX RE : XXXX XXXX  are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, XXXX XXXX  does claims they tried to retrieve my last two loans from XXXX XXXX  and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : XXXX XXXX XXXX XXXX sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to XXXX XXXX  and finally the XXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX verification of accuracy if not verifiable please delete the accounts immediately and send me a updated copy of my credit report showing the accounts have been deleted.
Product: Credit reporting or other personal consumer reports

This auto loan from XXXX , XXXX ( asset back security ) reported to my credit profile under the account of XXXX XXXX XXXX is providing negative, adverse, and fraudulent claims leading to delinquency. I have no knowledge of this contract disclosures and agreement to report such information. As a result of my investigation into securities fraud committed by the company, the company chose not to comply with my rights to the matter and deny me documents requested. 


The company reported the account as " charged off '' or " written off '', but in response ( out of non-compliance ) that the debt is not discharged. 

Violation of ( 1 ) Sections 702 ( g ) and 706 ( a ) and ( b ) of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to your office about fraud on my credit report. I am still seeing things on my credit that should not be there because they are not my accounts or credit cards. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX