23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023, I received a notification from the credit bureau that my payments are past due with Wells Fargo. I know for a fact that I always made payments ahead of time. However, when I asked my wife if she has received any credit card statements from Wells Fargo, she informed that she has not received any statements for quite sometime. As a matter of fact she said, we only received about 4 statements since the inception of this credit card. I contacted Wells Fargo customer service and informed me that my case has been transferred to Wells Fargo collection. I am confused because I never received any phone call or letter from Wells Fargo collection. And yet the first I am hearing of a past due account is through a credit report. Wells Fargo never communicated with me to rectify this problem. When I brought this issue to the customer service and also to the collections person, they just did not care. As a consumer I am expected to be perfect since this affects my credit report. However, I also expect Wells Fargo to respect my right as a consumer and send me my billing statement and give me a chance to fix the problem. Unfortunately, Wells Fargo never respected my right as a consumer. I paid the total amount already which will be received tomorrow. I worked hard for my credit score. Hence, I am requesting CFPB to assist me in removing that past due on my credit report since I never received my credit card statements nor was I informed of a past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX/XXXX XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.
Product: Checking or savings account

On the week of XX/XX/XXXX, I set up a deposit from XXXX to be deposited into the Chime account. On XX/XX/XXXX, the deposit was made totaling XXXX. Today on XX/XX/XXXX I attempted to access my account and I was met with a message on the app that says my account was closed and that I should contact Chime support if I believe that this is a mistake. Chime support told me to check my email and click on the link and send a picture of the back in front of my ID to get my account reinstated. They also told me that my account was closed due to a period of an activity despite the fact that they allowed me to set up a deposit and allowed that deposit to go through 1-2 weeks prior. My account was reactivated and I signed in to find that there was no money in my account that deposit was no longer in the account I was transferred to someone named XXXX and he told me that my money had been transferred to the state when my account was closed without my knowledge. They did not give me an opportunity to verify my identity before closing my account and sending my money to the state. I was not even notified that my account would be closed. The first time I had an inkling was when I tried to login and I was unable to. 
In my transactions, it says that the deposit was made on XX/XX/year> and then an adjustment was made on XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this  period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX touts XXXX XXXX Secured XXXX card as a tool to improve credit. 

Ironically, I have had the {$200.00} XXXX XXXX ( Secured ) card since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX  XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens mo 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX XXXX Transunion consumer solutions
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$900.00} loan using cash advance now. Wanting to repay it three days after I received the loan, I tried logging onto the customer portal which failed to display any information whatsoever about my loan or the loan agreement. It was only after waiting 30 minutes to get someone on the phone when I was informed that I would not be able to make a payment until the first payment due date, 12 days after the fact. Knowing that I was being charged interest daily, I asked this company to close my account and pay off the full balance to no avail. I submitted a second request to make the payment in full and informed them that I have attempted this already. I still have not seen a balance withdrawn and the company has provided no information outside of a few suspicious emails. The lack of clarity and communication, the refusal to accept repayment from me, and the lack of information about my current balance are all extremely concerning and I am still left wondering how much interest I am being charged. There is no way for any customer to view or pay their loan balance online, and they have failed to be transparent about what I owe.
Product: Mortgage

XX/XX/XXXX I received an offer from Citi Mortgage advising me that my mortgage was owned by XXXX and that I qualified for a Trial Modification Program under the HAMP starting XX/XX/XXXX. I sent the proposal to my attorney, XXXX XXXX XXXX for review. He contacted counsel for Citi Mortgage and was told that as soon as I made my first mortgage payment under the trial program, they would not foreclose on my property. I made the first payment in XX/XX/XXXX in accordance with the agreement. XX/XX/XXXX I received letter from Citi mortgage assigning me a special processor that would work with me throughout the trial period. That XX/XX/XXXX, my attorney was advised that my house was foreclosed on by Citi mortgage. I attempted to communicate with Citi verbally and through email and they would n't communicate with me. I sent I the XX/XX/XXXX and XX/XX/XXXX payments to Citi in accordance with the Modification agreement ( payments sent certified mail with return receipts to support payments made on time, my checks were cashed within 1-3 weeks of receipts ). I asked Citi to advise me when I would receive the permanent modification agreement documents in accordance with The HAMP and received no correspondence from them regarding this request. 

My foreclosure XX/XX/XXXX may have been vacated so I was advised that Citi Mortgage was once again going to foreclose on my house in XX/XX/XXXX. The last Monday XX/XX/XXXX I received a call from XXXX, representing XXXX advising me that I might qualify for another HAMP. Yesterday I spoke with a certified counselor at XXXX XXXX and she advised me to file this complaint and also start the modification program again with XXXX. 

I am in a position financially where I can afford to make the payments on my mortgage under the original trial modification program that I entered into with Citi XX/XX/XXXX. The counselor that I spoke with ( XXXX XXXX, XXXX ) yesterday said I would be receiving an application package from XXXX within 48 hours to see if I qualify for another HAMP program. It is my desire to have my mortgage modified under the HAMP program. 

I believe that Citi Mortgage violated the original terms of the HAMP program that I entered XX/XX/XXXX and I am asking for your help to make sure that Citi mortgage does not foreclose on my house and allows me to enter into another trial modification program under the HAMP program. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, Ohio XXXXXXXXXXXX
Product: Vehicle loan or lease

Carmax auto finance is refusing to send the title for my vehicle that was deemed totaled by my insurance company from a car accident on XX/XX/2023, where I was struck by a driver that ran a stop sign. They are saying I have to pay late fees totalling XXXX cents. I've called on 4 occasions from XX/XX/XXXX through XX/XX/XXXX, being told someone will call me regarding the matter, but instead they were communicating with my insurance company that the only way the title would be sent is once the above amt was paid, requesting XXXX XXXX XXXX send payment in exchange for the title but no one ever returned my calls. There is no name referenced on the letter sent, just a department. They report charge off and write off on my credit report and also showing multiple late payments. Please advise me on my consumer rights. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit via credit monitoring website to apply for a credit card and became aware of multiple credit accounts that were opened in my name, fraudulently without my permission. 
I spoke with the 3 major credit bureaus whom advised me to file an identity theft report. 
List of accounts opened fraudulently are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} XXXX XXXX XXXX XXXX XXXX  - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX - {$240.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX - {$130.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX. XXXX XXXX XXXX XXXXXXXX - {$0.00} Unauthorized Credit Inquiries : I also dispute the following unauthorized credit inquiries on my credit report : 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 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

I had 2 loans with XXXX that were charged off. The accounts were sold to XXXX XXXX. I settled with XXXX XXXX. I provided proof of settlement to both XXXX and Experian and yet are refusing to update the account to reflect that its been settled in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries i didn't authorize & is REPORTING INACCURATELY : XXXX reporting the following : - XXXX XXXX XXXX XXXXDATE : XX/XX/XXXX -XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX -XXXXXXXX XXXX DATE XXXX XX/XX/XXXX -XXXX XXXX XXXX - DATE : XX/XX/XXXX Transunion reporting the following : XXXXXXXX XXXX XXXX : DATE : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by XXXX, Experian, and XXXX. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law.

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts. Than you XXXX XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX XXXX Transunion
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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: Debt collection

Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit agencies regarding some hard inquiries on my credit report that I do not recognize. I am requesting for each inquiry below to be deleted. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you reverify each of these items, and that the inaccurate items be removed from my record. 

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 card

CLIENT SERVICES, INC is an interloper who stole my information ( see attached FTC IDENTITYT THEFT REPORT ) and opened an account and is allegedly trying to collect a debt on behalf of XXXX XXXX which is actually XXXX XXXX  without my authority and consent. I have a private account with XXXX  BANK not with them. CLIENT SERVICES, INC is not part of the Credit Card Service Members Agreement I signed with XXXX XXXX. XXXX XXXX  charged off the alleged debt already and failed to send me IRS Form 1099-C, Cancellation of Debt. I am demanding XXXX XXXX to send me Form 1099-C and I am also disputing their inaccurate debt reporting under the FCRA and FDCPA. They have 30 days to respond to my letter sent on XX/XX/year>.
Product: Credit card or prepaid card

The American Express company is communicating very threatening and harassing on Saturdays, Sundays and weekdays. I know I owe money and I'm paying but that type of calls is not acceptable.
Product: Prepaid card

On XXXX XXXX I activated my visa rush card. I was due for a payment from my employer on XXXX. I checked with my employer and they informed me that the money was sent to my account at XXXX night. When I called to check my balance on my rush card it says my card is inactive. I called the rush people and they explained to me that they were having computer issues and they would have my card active in XXXX hours and assured me my money would be there. Since then I have called everyday and I am not able to speak to a customer service rep my card is still inactive and I am unable to get my money. I was also promised an email and still have not heard anything.
Product: Debt collection

XXXX XXXX from " Location Services '' called me multiple times and then proceeded to harass my wife on her cell by calling 8 Times in 10 minutes. She would call from an unlisted number so I could not block the number.
Product: Mortgage

This is for the property at XXXX XXXX XXXX XXXX, FL XXXX with loan number XXXX. Homeowner 's name is XXXX XXXX. 

We would like to reach out to you because we are still unable to get any representative from the home preservation team of Suntrust via XXXX due to their long hold time of 8 hours. We have scheduled callbacks for that is the only option when calling them, however, we really have not received any call back from them. We can not get any further updates for this file due to not being able to receive any scheduled callbacks that we set with them. 

We have also tried to reach out to their point of contact but still unable to to get a response. 

The file was tagged complete on XX/XX/2020 and we should've had their decision already for the short sale review.
Product: Credit reporting or other personal consumer reports

My original dispute through the CFPB against Equifax is for FRAUD INQUIRIES being FALSELY reported on my personal credit report. I check the Equifax website to see if I have an active disputes and I do all the inquiries in question are being investigated for fraud. However, BOTH of my XXXX XXXX cares it card accounts are now being investigated. Why is Equifax investigating both of my XXXX XXXX credit card accounts and what is the reason for the dispute. I did not authorize for Equifax to dispute any credit card on my personal credit report. The dispute was for fraudulent inquiries on my personal credit report ONLY! Please dismiss BOTH disputes on my XXXX XXXX credit cards. They both are reporting correctly. Please stop Equifax from fraudulently removing my good accounts that I have a very long history with. My complaint with the CFPB AND EQUIFAX has been for fraudulent inquiries and not XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Westlake Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In XX/XX/2023, I applied for the SAVE Income-Driven Repayment Program on Aidvantage 's website to see if I could save money on my monthly payments. There is no other to determine how much my payment would be without applying. On XX/XX/XXXX, I received an email from Aidvantage informing me that I'd been accepted, enrolled, and that my new monthly payment was nearly double what I had been paying previously, due XX/XX/XXXX. While the literature provided by Aidvantage says that I can un-enroll at any time, there are no instructions given for how to do this. I attempted to call their customer service twice on XX/XX/XXXX ( they were not taking calls on XX/XX/XXXX due to XXXX XXXX ), only to give up after waiting on hold for an hour. Their availability times for calls are extremely inconvenient for my timezone ( XXXX XXXX ), and my emails have gone unanswered.