23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Wells Fargo has been harassing me and calling me at my job to " collect '' on payments that I have been making. They assign late fees after the fact and then call as if I have not made a payment. In the last two weeks I have received phone calls once on the XXXX of XXXX and once XXXX for a payment I have already made within the 10 day grace period of making the payment. Yet I still get a late fee for this payment. They make it impossible to call about the loan because they continue to transfer you different places. I have requested to change my payment date and they would not do it without me making a payment that forced an overdraft and still have not updated the due date to better fit when I get payed so I can avoid these issues. I was also told that a late fee would be waved but they have not waved any which further makes this cycle a problem. Statements are impossible to read/understand and they just make you feel XXXX for asking any questions so it is hard to know what is going on and what is right or wrong. I am sure they are taking advantage of me and harassing me at my job and I feel like I have no way to stop it. They are an awful company.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Debt collection

In XXXX of XXXX, COVID closed everything and so I called to cancel my XXXX XXXX membership. The gym was not open, so I called to cancel. I have not received any charges on my account, indicating it was closed, however now I have a collection agency XXXX XXXXXXXX XXXX XXXXXXXX trying to collect {$230.00} for a debt to XXXX XXXX. I contacted XXXX XXXX and visited their location on Thursday XX/XX/XXXX and tried to resolve this with XXXX XXXX, but they did not care and redirected me to the collection agency.
Product: Debt collection

Collection agency : Midland Credit XXXX Account # : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Account being reported as open Amount : {$750.00} I never had a contract with this debt collector for any debt. They could not provide me with a debt validation contract. Please provide proof that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Mortgage

I paid my first mortgage payment on XXXX/XXXX/2016. I was therefore completely current. Per my mortgage documents, I can pay off any amount of principal of my choosing as long as I am current, without any penalty. I submitted a principal payment of {$1100.00} on XXXX/XXXX/2016 before XXXX EST. The payment was clearly indicated in Chase 's system to be a principal only payment ( see attached documentation ). Supporting documentation will also show that the payment posted on XXXX/XXXX/2016. As of XXXX/XXXX/2016 my principal payment has not been reduced by any of this amount. The funds have been posted to suspense and remain completely unapplied ( see supporting documentation ). The XXXX/XXXX/2016 regular monthly payment has therefore also been applied incorrectly as it is calculating based upon an overstated principal balance. I have contacted Chase customer service on XXXX/XXXX/2016, XXXX/XXXX/2016, and XXXX/XXXX/2016. In short, the representatives have advised me that they were processing the correction. One representative told me it would take 24 hours to correct. Another advised it would take up to two business days. Based upon the initial notification on XXXX/XXXX/2016 we are now on the third business day with no resolution. I have lost faith that Chase will ever correctly reverse the XXXX/XXXX/2016 regular monthly payment, apply the {$1100.00} principal payment effective XXXX/XXXX/2016, and correctly post the XXXX/XXXX/2016 regular monthly payment based upon the correct, lower principal balance as of XXXX/XXXX/2016. In addition to giving me no credit for my principal payment, the XXXX/XXXX/2016 paid too much interest and not enough principal as a result of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$70.00}, XXXX XXXX XXXX  {$230.00}XXXX XXXX XXXX XXXX  {$1000.00}, XXXX XXXX XXXX  {$190.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX {$2900.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX XXXX is a scam that we unfortunately fell for. 

We contacted U.S. Consumer Attorneys, P.A. to help in this matter. They managed to get the matter settled however the Club had already sent to Monterey Collection Sv. The club apparently does not intend to inform Monterey Collection Sv that the matter has been settled.

The Club has been dragging their feet on this but this is not a legitimate company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they XXXX XXXX XXXX XXXX my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit card

I have an Amazon Rewards credit card account with Chase bank for approximately ten years. I have had no problem until this recent incident. I observed in XXXX that approximately {$2000.00} worth of charges had been fraudulently made through my account in the months of XXXX. I reported the charges in XXXX. There are approximately 10 charges through a vendor starting with XXXX followed by different names ( no one I know or connected to the account ). These transactions are out of character for the account ( it is only used for Amazon purchases and XXXX ) and clearly fraudulent, from some kind of hacking to my bank account details. 

Chase did an investigation and said that the charges were my responsibility since it was through an XXXX wallet account. I do not have an XXXX phone or XXXX wallet. I informed them about this. They told me that I had to investigate this myself and will not reverse the charges. They would not do any further investigation to help me to work out how to pursue this even when I requested support and information. Even though I am clearly a victim of online consumer fraud in relation to these charges, Chase did nothing to support me to pursue and reverse these charges or investigate the fraud. 

One person I spoke to at Chase said I could appeal this decision and have it re-investigate. When I spoke to XXXX, a Supervisor in the Fraud department, she said there would be no further investigation. So I have also been unable to lodge an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 TransUnion began applying monthly charges to my XXXX credit card in the amount of {$26.00} for items that I had not authorized. I made the discovery sometime in XXXX and I contacted TransUnion to find out what the charge ( s ) were about. I was told then that these charges would no longer be placed on my XXXX credit card. TransUnion did not identify the items or the merchant ( s ) providing a service for which I was being billed. When I reviewed my XXXX credit card bill I noted that there was no charge in XXXX and I thought that this would be the end of such billing. I also expected to receive a credit from TransUnion to my credit card. Unfortunately, not only did I not received a credit for these unauthorized purchases ; I discovered the continued billing in the amount of {$26.00} through XXXX until XXXX. When I called TransUnion, I spoke to representative XXXX who suggested that I ordered a credit monitoring and that it would be canceled in XXXX. This did not happen either. At this point I reached out to XXXX XXXX Services for their assistance. I informed them that I never authorized the purchase of any items nor did I request any " credit monitoring '' from TransUnion and I would appreciate their investigating this matter. I believe file # XXXX will support my efforts to get to the bottom of these charges. I was told that I would be credited on my card for the outstanding charges from TransUnion until these disputes were resolved. At that point, it was suggested that their was possibly a subscription that I ordered. Again, I know of authorizing no such items.. By XX/XX/2021 the disputed transactions were settled in the favor of TransUnion amounting to {$180.00} plus interests. In addition, when I received the statements from XXXX XXXX regarding these disputes my husband 's name appeared as the recipient. He, too has no knowledge of receipt of any merchandise from TransUnion. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CAPITAL ONE, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

Today XX/XX/2019 at XXXX XXXX I spoke with a gentlemen from the PNC Bank Escalations Department. He called me because of a complaint that I had done regarding my previous disputes. I told him about me being the victim of Identity theft and that there were ACH withdrawals made from an unauthorized creditor. My mailbox was broken into on several occasions and someone took my account information and social security number and has been using it to open up credit accounts and other bank accounts. As well they have been using my PNC Bank accounts to pay bills with those creditors. I have had to get a police report and an FTC Affidavit to help me fight these account and to dispute the withdrawals on my three PNC Bank Accounts. I was told to go to a branch and open up a new Virtual Account and get a new debit card and to then dispute all the withdrawals. So I went to the PNC Branch in XXXX, NJ inside a XXXX & XXXX after work and basically it was a complete waste of time. The ladies told me that they could not help me with the disputes because my account was negative and they would not be able to open me up new accounts because my account is compromised right now because it is negative and that the direct deposit I get will be used to cover the negative balance. The account is negative because of all the reversal of provisional credits and the withdrawals. They also stated that there was no information left from the Escalations Department stating that I was a victim of identity theft. You know what I just need some help please. I have attached the ACH withdrawals that I want to dispute, the police report and the FTC Affidavit. Please help me to get my money returned. Thats it.
Product: Debt collection

I have been a vicim of id theft ive never been to this hospital nore is this my bill I have never recived and bill from them to dispute charges just showed up on my credit report and i called they couldnt provide me any informations about what this was or any treatment given anything.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2023 I was notified by XXXX that Navient reported my private student loans as 60 days late. I was in disbelief. I was never late on my payments. Actually Navient takes payment from me every month of the 3rd. I check my bank statement and sure enough the XXXX was removed. I never received any statement in the mail from Navient. I never received any invoices from Navient prior to this issue because I found out Navient was sending my information to my co-signers house. My father, who does not live with me or will not open my mail. When I called Navient even the supervisor filed a report for me stating I did infact make my payments monthly. When I called them back to ask what my status was because they never returned my call, they stated the reason why I was late was because the federal interest rates went up and making my payment higher. How is this possible when I am clearly on a payment plan and I was never notified of these changes needing to be made. They were the ones taking this out monthly for me out of my bank account. There was no follow up and no one wants to help me at this point. I have filed to dispute this with Navient at which they ensured me on a recorded line an ombudsman would contact me, and never did. I have also tried disputing these accounts with all 3 credit bureaus. I was in the process of buying my first home when they reported these frivolous findings.
Product: Credit card or prepaid card

XXXX XXXX opened a line on credit in my name without my consent. Some of my information was used but since they didn't get permission they did have the wrong name ( not my legal name ), and incorrect address. 

Luckily no money was used from the opened line of credit and I contacted the institution which was managing the account, Wells Fargo, and I was able to identify the faulty information as proof and ( 1 ) closed the account, and ( 2 ) submitted a complaint via their institution to try and expunge from my credit report the inquiry for this line of credit. 

I am submitting this complaint incase this is a practice this company has and wanted to ensure, if this is a patter of behavior, others are not made victims too.
Product: Mortgage

Selene Finance Mortgage XXXX statement shows an unapplied payment balance with the stipulation written on their statement saying that if the total mortgage payment is paid in full that any unapplied payments will apply to the mortgage. This overpayment was made in XXXX and it is now XXXX with no application of the unapplied funds. This should have been applied directly to the principal amount in XXXX, according to the written terms statement of unapplied funds. The amount of interest accumulated on the loan because of the unapplied payment is the huge issue with it not being applied like it was supposed to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Ally Bank was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX , XXXX. I was unaware of this company and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
Product: Checking or savings account

On XX/XX/year>, I received notification that my Upgrade savings account was " suspended ''. I was instructed to call the customer service number at XXXX to resolve the suspension. When I called, it was noted that there was no information that could be given to me, and that I " would get an email for explanation '' after the review was complete. As of today, XX/XX/year>, I have yet to receive access to my funds, an explanation as to why the account is frozen, nor a timeline for the review. The " suspicious '' activity detected was simply deposits I was making into my account. There is absolutely no reason to freeze my account for deposits. After repeated calls & emails, I only keep getting told that the account " will be reviewed '' and I will be getting an email. No time frame on this review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to Experian/XXXX/XXXX  on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to Experian/XXXX/XXXX  on XX/XX/XXXX which also references the Federal Trade complaint on XXXX XXXX XXXX XXXX. I sent Experian/XXXX/XXXX a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and Experian/XXXX/XXXX  still refuses to remove the incorrect information. I have also tried to contact the company XXXX  XXXX XXXX several times and on the same days as Experian/XXXX/XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. Experian is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.
Product: Debt collection

did sellers report on vehicle collection agency will not leave me alone even send proof and said not their problem now every so often send me bills
Product: Debt collection

I received a collection letter from Resurgent Capital Services in regard to a debt that is owed to XXXX  XXXX XXXX. The debt does not belong to me. I called the company and the representative stated that she needed my social security number to look up the account. I refused and let her know that if the debt belonged to me she could look it up by name or address but she refused. This collection debt is not on any of my credit reports and I have never owned a XXXX XXXX XXXX account. The collection letter is dated for XX/XX/2019 for an amount of {$9800.00}. Reference ID on the statement is XXXX
Product: Credit card or prepaid card

{$5700.00} of fraudulent charges were made with my credit card between XX/XX/2018 and XX/XX/2018. {$2800.00} of these charges were credited back to us in a timely manner by USAA. The remaining {$2900.00} of fraudulent charges has NOT been credited to us, despite numerous attempts at resolving the issue with USAA ( through phone calls, online chats, emails, online document uploads, and a letter delivered via USPS certified mail ). Details of our attempts at resolving this issue with USAA are provided in the attached supporting documentation. In addition, USAA has been charging us interest for non-payment of the remaining fraudulent charges. 

All of the unresolved fraudulent charges were reported on an additional page attached to a signed affidavit submitted by us to USAA in early XX/XX/2018. It appears that this page was over-looked by USAA 's fraud department. We have attempted to bring this to their attention by several phone calls and written methods of communication but have received absolutely no response from them. In our last attempt at communication with USAA - a package of documentation delivered via certified mail - we specifically asked that USAA acknowledge that they received the information and were working on resolving the issue. We still received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to furnish inquiries on credit file. Made several attempts to have inquiry removed. Company failed to respond. Complaint is 30 days without a response. Requested a validation of signature.
Product: Checking or savings account

A small business checking account was opened in my business ' name without my authorization. It was not authorized by anyone associated with my business. This is fraud. I have already called the company to close my account. They wanted all of the sensitie personal information, but as this is the issue, did not provide it. I was informed that this Fraudulent account would be closed. I received a statement for the account for last month showing that the account has not been closed. I called today and received no help and the account is still open. Please help in closing this account.
Product: Credit reporting or other personal consumer reports

I have a XXXX  XXXX XXXX XXXX with a XXXX dollar limit that I use and pay daily.There saying Iam unscorable.I have a open line of credit that I pay on time and I use it daily I have 100 percent pay on time and they refuse me a fair credit score because of my race.I have a solid credit history and I pay my bills o. Time.This is unfair and should be a crime yet they have one negative still showing on my credit report online this a violation of my civil rights