23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX of XXXX I applied in a Wells Fargo branch for a Secured credit card. This card has an annual fee of {$25.00}. On XXXX XXXX XXXX I applied for a credit card offered though Wells Fargo called the Wells Fargo XXXX XXXX XXXX XXXX. That card 's ( XXXX ) application was denied because I am not a XXXX. Because of this application 's denial I recalled that my Wells Fargo had been open for THREE years now and I was still paying an annual fee each year and the card remain a secure credit card. So I called Wells Fargo to ask if the reason my card had not graduated to a unsecured credit card because I was n't a XXXX and they informed me that that was indeed the reason. I asked for the annual fees I had paid to be refunded because the card was never going to do what was advertised as becoming a unsecured credit card in a year or more time. The representative at first informed me that XXXX annual fees would be able to be refunded however later in the call after being put on hold I was told that only XXXX annual fee can be refunded. It is unacceptable that I was never informed of Wells Fargo policy on unsecured credit cards for non-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have spoken to all 3 CB to have these inquiries removed *XXXX XXXX XXXXXXXX XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to XXXX on XX/XX/XXXX and XXXX has sent nothing back to validate the inquiry. These inquiries were done without my permission.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : - Company Name : TransUnion - Company Address : XXXX XXXX XXXX, XXXX, PA XXXX - Phone Number : ( XXXX ) XXXX ( TransUnion customer service ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the XXXX XXXX NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/XXXX. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX ( a ) ( XXXX ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

XXXX. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.
Product: Debt collection

the debt is outdated its more than 7 years old. i made the dept collection agency aware of this and was told that they were still going to enforce the debt and attempt to collect. I have disputed this before and they continue to verify it as valid and continue to report it to the credit reporting agency as such and told me im better off just paying them
Product: Mortgage

I closed on this loan on XX/XX/XXXX with a local bank. PHH Mortgage assumed the loan within two weeks, and fully started servicing it on XX/XX/XXXX. XXXX Taxes were paid at closing. On XX/XX/XXXX PHH Mortgage dispersed a tax payment to my county treasurer in the amount of {$150.00}. This amount is not what my anticipated taxes were supposed to be, ( according to previous owners documents and the closing company ) not to mention no taxes on this property will be due until XX/XX/XXXX. I called to find out why they paid it and they said they received a bill from the county treasurer and I asked for a copy. I told them nothing was due since it was paid at closing and they said that the bank they assumed the loan from told them to make the payment. The loan originator denies this as well, as they knew that taxes were paid at closing.

I have called or chatted with PHH multiple times since XXXX and no one will answer the questions, supply my documents, or give/send/call me with a response. There is no number to their tax/escrow department. 
After calling my county treasurer again today, they confirmed that there is NO tax liability in my name or my property, no check has been received from PHH and the Tax Property ID that PHH attached to my disbursement note in my online account with the {$150.00} is to a completely different property and land owner. ( Which no additional payment from PHH has been received on either ) PHH has once again denied my request for documentation and says without a tax bill they can't even file a complaint with their Tax department. I have been told to wait 10 business days for a resolution again. This was my 5th attempt.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT CONTROL TECH is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and CCPA to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Product: Debt collection

After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. The use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you.
Product: Vehicle loan or lease

On XX/XX/year>, I entered into a vehicle loan agreement with Credit Acceptance Corporation under conditions that I believe were coercive and misleading. I was pressured into signing the contract by the dealership, who offered to cover part of my down payment to expedite the process. I did not fully understand the contract terms at the time, specifically the acceleration clause, which was not clearly disclosed or explained to me. This lack of transparency violates the Truth in Lending Act ( TILA ) as I was not informed about the consequences of missed payments leading to the full balance being due. 

Additionally, I feel that the interest rate of 19.49 % was predatory and not adequately explained during the signing process. Had I been fully aware of these terms and had they been clearly disclosed, I would not have agreed to this loan. The dealership exerted high-pressure sales tactics, rushing me through the paperwork and leading me to make decisions without understanding the long-term financial impact. Furthermore, I believe that Credit Acceptance Corporation failed to properly assess my financial situation and ability to repay the loan, which led to me entering into an agreement I could not reasonably fulfill. 

As a result, I am seeking resolution of this issue, including potential relief for the unfair and predatory loan terms, as well as an investigation into the practices of both the dealership and Credit Acceptance Corporation.
Product: Credit card or prepaid card

After receiving a bill from Capital One in XXXX, that I had requested in XXXX and also XXXX. I mailed in a remittance payment for a special deposit and Capital One did not apply my payment. This is the most serious of the errors. 
I had received a fraudulent claim on my card, called the claimant and resolved the dispute on my own. Meanwhile, Capital One canceled my card, mailed a new one and canceled that one also, they claimed there was a purchase on that card before I received it. I subsequently was never issued a card. 
I did not attempt to pay my bill in full, as Capital One claims, I merely tried to make a payment in good faith. 
I never requested to close my account, as Capital One claims. I merely wanted an unused credit card, and a bill so I could satisfy the debt.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital System. I have disputed with XXXX multiple times now on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They investigated and found my information to be accurate and have deleted the account but it somehow ends up back on my credit. This company is fraudulently reopening this account and reporting it as opened on XX/XX/XXXX with the current account status as open. This account was CLOSED in late XXXX. I demand this be resolved immediately or I will be pursuing legal action.
Product: Checking or savings account

Several overdraft fees between XXXX with Wells Fargo
Product: Credit card

I have a fraudulent charge on my Citi XXXX XXXX XXXX XXXX that I have been trying to get resolved since XX/XX/XXXX. The original charge was {$1800.00} and was made on XXXX XXXX, XXXX. I noticed the fraudulent charge on the next months billing statement and immediately knew it was fraud because I had just paid off the full balance of my account in the amount of {$550.00} on XXXX XXXX, XXXX. Once I noticed the fraudulent charges, I called the number on the back of my card, which was still in my possession, to report them as fraud. 

I did receive a correspondence from Citi Retail Services on XXXX XXXX, XXXX with the results of an investigation, which was very unprofessional looking and looked as bogus as the charge that was made on my credit card. Basically, the letter was telling me that I was responsible for the charges. In the meantime, I did my own investigation and followed up with a response letter from what I found out, which I mailed on XXXX XXXX, XXXX. I have yet to hear back from my letter and since that time, I have had phone call after phone call trying to collect on my account. I have asked numerous time for more help with this situation. The last XXXX speaking person that I talked to that said he would help was someone named XXXX in XXXX XXXX. That was on XXXX XXXX, XXXX and I have yet to hear back from him. 

Meanwhile, there has been interest and late charges added to the initial amount which not totals over {$2000.00}. 

The charge on my credit card was from a bogus company, with a disconnected phone number, located in a phony town in Kentucky that does not exist. 

I would appreciate any help someone could give me with this situation that has been ongoing since XXXX of XXXX. In the meantime, my credit score has taken a tremendous hit for something that I did not authorize and did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was transferred to Nationstar mortgage from XXXX XXXX XXXX. When an escrow analysis was completed, I was notified I needed to have an additional months worth of cushion in my escrow account which increased my monthly mortgage payment. I tried contacting Nationstar to request the extra month be waved since my loan was a transfer and I had no choice in the matter, so I felt I should be able to keep the same cushion in my escrow account as my previous mortgage company. I attempted to contact customer service about 5 times and was disconnected before being able to speak to a person directly. I wrote an email to Nationstar through their email portal and received no response after about 2 weeks.
Product: Checking or savings account

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXXXXXX Document Request Date : XXXX-XXXX Claim Amount : {$420.00} Hi XXXX, Attached to this email are the document ( s ) used in your dispute investigation. Your investigation included a review of the following transactions : Chime XXXX ID Date Amount Merchant XXXX. XXXX XXXXXXXX {$12.00} XXXX XXXX XXXX XXXX. XXXX XXXXXXXX {$7.00} XXXX XXXX. XXXX XXXXXXXX {$39.00} XXXX XXXX. XXXX XXXXXXXX {$8.00} XXXX  XXXX. XXXX XXXX-XXXX {$42.00} XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX {$5.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX {$200.00} Atm Withdrawal XXXX. XXXX XXXXXXXX {$100.00} Atm Withdrawal XXXX. XXXX XXXX-XXXX {$2.00} Cash Withdrawal Fee XXXX. XXXX XXXXXXXX {$2.00} Cash WithdrawaXXXX Fee When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, such as device and/or location information, and additional information/evidence that you or the merchant provided us, if any. 

The documents we included in this email may include : Documentation provided by you, including but not limited to receipts, emails/ conversations with the merchant, confirmation emails, answers to support questions, and call logs uploaded through the document portal or emailed to the Chime Dispute Support team. 

Any information provided by the merchant. During the investigation of your claim, we may have filed for a chargeback with the merchant. A chargeback is a request made by Chime to the merchant to have the disputed funds returned to you. Merchants can reject chargebacks and provide their own evidence that a transaction is legitimate. If evidence was provided, it will be attached to this email. If no merchant evidence is attached, none was provided to us during the investigations. You can learn more about the chargeback process here. 


If you have any additional questions or need further assistance, feel free to contact us anytime. 

Warm regards, Chime Dispute Team This ticket includes a secure attachment. Use this link to access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with Apple Card - Goldman Sachs Bank USA was included in my XXXX 

Since I've received my XXXX discharge Apple Card continues to report this account as open and derogatory to XXXX. It is only reporting as open on my XXXX credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my XXXX XXXX. 

I contacted Apple Card in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my XXXX credit report. Each time I was told my request had been escalated to a XXXX XXXX XXXX and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my XXXX Credit report. 

I have challenged this misreporting directly with XXXX in XXXX, XXXX and in XXXX, XXXX. Apple Card continues to verify back to XXXX that this information as accurate, and no changes have been made to my report. 

Please note, Apple Card is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO XXXX AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with XXXX. 

I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Bureaus refuses to update me from being listed as XX/XX/XXXX to XX/XX/XXXX on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I posted a add on XXXX to sell my vehicle that I could no longer afford for the amount owed on the loan for 30,000 approximately. I received a on response from a gentleman on XX/XX/XXXX who said that he would pay off the loan. He did with his personal bank account through my online payment center and when the title was received to gave to it and well as the vehicle. All the payments were received by XX/XX/XXXX. I received documentation that my loan was paid in full first on XX/XX/XXXX and as the title which has the released date of XX/XX/XXXX as well two weeks after. Then a month after the vehicle was gone and sold, Wells Fargo Dealer services sends me letters that all the funds were returned and they need the title back. The vehicle also needed to be in my possession as well. At this point, both of them had been taken from my possession. I went through quite an ordeal with the bank to get this issue resolved cordially but did not happen. Wells Fargo Dealer Services believes I still owe my loan which I don't believe is accurate. Thank you
Product: Debt collection

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. 
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. 
As a consumer, I firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served. 
I trust that this letter underscores the urgency of my situation. Thank you for your immediate attention to this critical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide 1. a copy of the original contract that shows my signature 2.a copy of payment history 3. name and address of original creditor 4. proof of collection authorization If they cant provide ALL FOUR of the above they are illegally furnishing false information on my credit report they need to remove it immediately
Product: Credit reporting or other personal consumer reports

The information provided on Experian XXXX and XXXX are all different, they do not all Have the same Correct information. When I have attempted to reach out to the bank to have this corrected they hang up on me