23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wells Fargo Dealer Services has been calling me nonstop over my car payment being past due from phone number XXXX. I have received 17 calls this week harassing me for payment of {$300.00}. I called two weeks ago and disclosed that I would be late on my next payment and the woman over the phone told me theres nothing that she could do, even though I told her I was making the last of my medical bills payments. 

On Monday XXXX XXXX, Wells Fargo dealer services called me four times, at XXXX, XXXX, XXXX, and at XXXX. 

On Tuesday, XXXX XXXX, Wells Fargo dealer services called me three times, at XXXX, XXXX, and XXXX. 

On Wednesday, XXXX XXXX, Wells Fargo dealer services called me five times, at XXXX, XXXX, XXXX, XXXX, and at XXXX. 

On Thursday, XXXX XXXX, Wells Fargo dealer services called me twice at XXXX and XXXX. 

I spoke to a woman named XXXX or XXXX today ( XXXX, XXXX XXXX ) from Wells Fargo dealer services and she kept harassing me for payment even though I told her to stop calling me. I was called three times today, at XXXX, XXXX and XXXX. She has continued her calls and I finally had to hang up since she wasnt listening. The constant phone calls and harassment need to stop. 

After all of this harassment and after my disclosure that I wouldnt be able to make my payment until the XXXX, they already reported me late to the credit bureaus. I will be submitting a formal dispute of my late payment through XXXX, XXXX and XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXXXXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX   {$300.00}
Product: Credit reporting

I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : Equifax , XXXX and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I purchased a vehicle on XXXX from XXXX. On XXXX the vehicle would not start. On XXXX I contacted the dealership. I was told instead of starting it with my finger put the keyfob up to the push start and push. The vehicle started. Did n't drive the vehicle again until XXXX on my way home the vehicle stopped without any warning in the middle of the freeway. I called the dealership who advised me to call the service department. I called repeatedly with no answer. I took the car up there and it was 2 guys working. They literally was not answering the phone just was relaxing & chilling. Since I have taken the car to the shop I have received no update on what's going on. Every time I call the service department I get no answer. When you call customer service you are told you still need to make your payment. Then today I'm being told about a deferment but a deferment adds more interest. The company is taking people money, not answering the phone then charging you the customer more money.
Product: Debt collection

I enter a debt solution program tower loans of XXXX al is on there list in the program we are doing what was instructed and have give them the number to contact they have constantly calling and even come to our home and served papers the was not served to me was just hand to someone at our home
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I received my credit report and noticed that XXXX, Transunion and XXXX has violated my consumer right to privacy under 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Reports. XXXX, Transunion, and XXXX has infringed upon my right to privacy and I never gave them written permission to report anything on my behalf which is in direct violation of 15 USC 1681b ( 2 ). By law it states these agency must have written permission from the consumer who it relates in order to furnish a consumer report. It's been difficult to live my life with these things on my report unlawfully. I demand the following items be removed immediately.
Product: Mortgage

I have several issues with Weststar Mortgage XXXX ) they changed the way company that does their autopay, I was not informed of this, although they swear they contacted me. I have been on autopay for 2 years and started getting letters that my mortgage was late. They never contacted me to do their administrative work yet are very timely when they want money. I tried calling for XXXX weeks at different times on different days. No one answered or I was sent to voice mail that was " full ''. After XXXX calls, all documented in my call log, I finally reached someone today and ended up speaking to " XXXX ''. She said that she was the " customer service manager ''. She refused to give me her full name. By this time I am frustrated and she was absolutely unprofessional, condescending, yelled at me and XXXX help. 

XXXX ) They are escrowing me approx. XXXX $ per month over and above my XXXX taxes and insurance. I asked to stop with the impounding, so I can pay the taxes and insurance myself and she stated " you will have to refinance to do that ''. Obviously I wont do that as the interest rates are 3 times higher now. Besides, I know that is not true as I have other properties that have recently stopped escrowing at my request. XXXX is no longer needed on the property and she refused to address this. 

The time I have spent on this has financially affected me. I do intend to file a complaint with the Attorney General in the state where they are headquartered and also the state where I reside. When I mentioned that I was going to file a complaint with you and the Attorney General, the response was, " Please do ''. I think the employees have forgotten who pays them. 

I hope this complaint falls into the hands of someone that will make a difference in the way this very shady mortgage company does business. I was told by them today that their poor reviews were from customers who didnt get their way. I am appalled.
Product: Checking or savings account

I received a Chime Debit card today in the mail. I didnt know what Chime was and I certainly didnt open an account with them. The paperwork that came with the debit card looks like the typical welcome to your new banking type rhetoric. I attempt to call the number on the card which sends me into a never ending loop of choose the option that applies, none of which pertains to my needs and you are not at any time give the opportunity to speak to a live person. The recording does however say that any further questions or concerns you can use live chat XXXX by downloading their app. That in and of itself is ridiculous because I dont want to download their app. I dont want anything to do with them. Anyway, I do in fact end up downloading their app so that I can potentially speak/chat with a live person BUT of course you can not do that UNTIL you create an account. Which I will not do because, again, I dont want them to think that I want anything at all from their company and I dont want them to have any more information about me then they already have. I search the web to look at how I can get ahold of an actual person and I find an email. I send an email and, of course, I get a automated response stating that beginning XX/XX/year> they will be transitioning away from email support. This company reeks of horrible scams and horrible ethics. All I want to do is be able to A ) close this account immediately and B ) find out all the details about when, where, what time, etc that this account was open. I think their tactics to get you to download the App and create accounts just to be able to speak to someone is a scam in and of itself. 

Please help me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The CFPB claims that " We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions. '' You claim to protect me from unfair, deceptive, or abusive practices and take action against companies that break the law. 
On 3 different occasions I have reached out informing you that the 3 credit bureaus are trampling over my rights and has repeatedly and continues to report inaccurate and incomplete information on my credit profile for the following account. 

Company : XXXX XXXX Account # XXXX. On XX/XX/XXXX I file a complaint with all 3 credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. On XX/XX/XXXX I file a complaint with all 3 credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. Why do you continue to let the credit bureaus break the law? I have attached 3 inconsistent credit reports from XXXX, Trans Union, and XXXX showing the inaccurate reporting. Please note that Trans Union was reporting a 30 day late from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX reports a 30 day late, XX/XX/XXXX a 60 day late, XX/XX/XXXX a 90 day late and XXXX reported a charge off. Now it has been so called updated and display ok for XX/XX/XXXX and 30 days late from XX/XX/XXXX through XXXX XXXX day late in XXXX of XXXX and charged off in XXXX of XXXX. Throughout the report an X has been placed indicating that the payment status is unknown. Again, this creditor is required by law to disclose 100 % complete and accurate information. If the creditor has admitted that they are reporting unknown information, how can they say that this report has been 100 % verified? Attached is the Transunion report obtained from Annual Credit Report showing the incomplete and inaccurate information.
Product: Credit card or prepaid card

This complaint is lodged against Synchrony Bank. Over the past XXXX weeks, Synchrony has cancelled XXXX credit accounts ( Care Credit {$3000.00} limit/ no balance, and Matress Firm {$4500.00} limit/ no blance ), have lowered my credit limits on XXXX cards ( XXXX from {$1000.00} to {$250.00} and XXXX  XXXX credit card from {$800.00} limit to {$250.00} ). All of these accounts were current, and had no missed payments. Synchrony sent me letters identifying why they did what they did. This kind of actions hurt consumers by decreasing their available credit, and increasing their Credit Useage % on their credit reports. I do not have a record of missed payments on any of my credit reports or accounts that are " derogatory ''. Synchrony 's justifications basically boiled down to not paying down enough on my XXXX XXXX mortgage ( refianced in 2021, and too many inquiries on my credit report. They pulled this information from XXXX. My credit score has since taken a hit from XXXX down to XXXX +/- based on the loss of these accounts. I have XXXX other accounts with Synchrony, and am worried they are going to do the same thing to those accounts " based on a review '' of accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was the bank I had when I had a card note for a XXXX XXXX XXXX. They stated on my credit report that I was 30 days late even though I made a payment for the car that month I dont have the exact date on hand but as soon as you send his report out, they will know exactly what youre referring to on my credit report that car is now paid full. When I called the credit bureau XXXX XXXX they told me it was reported in XXXX that is affecting my credit score and I need that to be removed immediately, I was always on time and always made sure my bills were paid and proof is the car is paid in full.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I dont recognize
Product: Checking or savings account

A XXXX XXXX from XXXX, MA tried to cash a check for {$2500.00} from my account. Not sure how she got a hold of my checks but now she has my routing number and address : (
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX  XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,
Product: Mortgage

According to an account stating that I currently have a balance from XXXX ( Telephone company ), and Wells Fargo in which it was reported to the credit bureaus ( XXXX, XXXX, and XXXX that I owe does not belong to me. I have enclosed proper proof that in fact that I am not responsible for the account. If you need any additional information, please feel free to contact me. XXXX XXXX XXXX XXXX : XXXX or via e-mail : XXXX. Thanks in advance. 

Best regards, XXXX XXXX
Product: Debt collection

received multiple collection letters from a collection company for {$240.00} in regards to a debt to XXXX XXXX XXXX i dont know who that is but its false/ inaccurate information and that is inaccurate address.
Product: Credit reporting or other personal consumer reports

Trans union is not properly investigating, updating or removing item in dispute. Dispute is taking longer than 30 days. Documentation have been sent and no response or same response is given. The other credit bureau have already removed
Product: Mortgage

Currently I have a mortgage account with Chase Bank, and I have inbond account due to loan modification. While ago, I received the escrow account analysis indicates that I have shortage of escrow account. I made XXXX scheduled payments on XX/XX/XXXX and XX/XX/XXXX with amount of {$460.00} and {$460.00} to pay off the shortage of {$920.00} before XX/XX/XXXX since my new payment will start on date. The first installment payment cleared to my bank on XX/XX/XXXX, and second payment did not clear via my personal checking account as today ( XX/XX/XXXX ). I called to Mortgage Customer service hotline to speak with the representative, after talked to him about 28 minutes, he asked me to follow up with my own bank to find out why the payment did not post, I told him it did not make a sense at all since it was scheduled on chase.com and electronically fund withdraw, how did my bank know about this transaction? I asked for his supervisor, after 15 minutes wait, finally got XXXX, Senior Account Specialist to assist me, and she called online support specialist, XXXX to handle over my inquiry, 10 minutes passed, XXXX told me that she was unable to resolve the issue, and transferred my call to another online support staff while she introduced herself and me. The online support staff immediately handled my call to another online support and the last staff I started to discuss then she started to ask me XXXX security questions to be able to identify the who I am, I was transferred from one representative to other representative, and the last security question asking for " from initial opening Mortgage account with Chase XX/XX/XXXX, how much the payment you have made on XXXX mortgage payment with following XXXX options .... '' I told her that I can not remember 10 years ago mortgage payment since I have been changed so many times. If you would ask me how much monthly payment I made last two years, I can tell right away, but 10 years, who had that good memory, and I provided answer to None of above. After I answered that she said based on my answers, she was unable to provide any information regards to the outstanding payment, I asked for speaking to her manager, and I was placed on hold again, and I looked up my phone display it was XXXX minutes passed. I hanged up the phone, and the issue has not resolved by almost 1 hour phone with XXXX transferred.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute I have with TransUnion regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccurate account. However, as of the date of this letter, I have not received a response from them. Below are the details of the erroneous information and the requested corrections : Account Details : Account Name : XXXX Date Opened : XXXX XXXX, XXXX Current Balance : {$1300.00}
Product: Debt collection

Called me in regard to a family member. Giving me personal information and information on voicemail in regard to the loan. I am not the only relative who has been contacted. Also harassing the relative on the paperwork constantly. Multiple voicemails have been left to stop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My identity was stolen which resulted in me having a collection account with Enhancement recovery and I tried to dispute the account and they wouldnt remove it I even agreed to settle the account and they still wont delete even knowing that I was a victim of identity theft
Product: Debt collection

Regional Finance is trying to collect a debt that was sold to XXXX. The report is on both letters and on credit reports. People get XXXX letters and Regional Finance tries to put it on your credit so that you can try to settle with them when the other entity reports owning the debt. I don't own these debts.
Product: Debt collection

Midwest reported to my credit I owe a debt from a pay day loan I am a victim of ID theft and never borrowed pay day loan for the company Midwest represents
Product: Debt collection

XXXX  complaint XXXX. Account XXXX. Their response- I was sent statements by Capital One that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The Capital One notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices XXXX! and Capital One.