23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was an account opened from Capital One back in XXXX that I disputed from identity theft. Capital One closed the account on XXXX. In XXXX, I started receiving calls from " XXXX '' and all came from XXXX XXXX asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from Capital One showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from Experian, XXXX  and XXXX XXXX respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite paying off the account in full and having nothing owed, the payment status still reflects as late on my credit report. 

As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home. 

I would like for the late payment to be updated to " paid as agreed '' on my credit report to reflect the fact that I have fully paid off the account. Furthermore, I respectfully request that you provide me with a statement and payment transaction records that would prove my payment was submitted on time. If you are unable to provide proof or if a proof is lacking the payment being late, I ask that you update my payment history to PAANL ( paid as agreed, never late ) in accordance with the protection laws. 

I urge you to take immediate action to address this issue and to update my credit report accordingly. I am eager to move forward with my plans to purchase a home and rebuild my credit. 

Thank you for your attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am contacting you with regards to the above reference application for a personal loan from your bank. You mailed me a letter indicating that this application was denied. I am concerned that this credit denial violated several laws for the following reasons ; In your letter, you listed several non-decisive factors as your basis for a denial of credit which amounts to giving false and inaccurate information to a consumer. That is a violation of 15 US code 1611. Particularly, your letter stated : serious delinquency and public record or collection filed time since delinquency is too recent or unknown ratio of balance to limit on bank revolving or other revolving accounts too high too many accounts with balances. 
( VIOLATIONS-15USC1692j, 15USC1692a ( 3 ), 15USC1681 ( n ), 15USC1692b ( 2 ) Not only is this information inaccurate, it has no bearing on the only legally valid basis for you to consider in making your credit approval decision, which is the ability of the consumer to actually repay the debt, so these factors should have never been considered when evaluating my credit worthiness in applying for this credit. 
OTHER VIOLATIONS ARE LISTED BELOW : 15USC1692a ( 1 ) 15USC1692e ( 3 )
Product: Mortgage

In XX/XX/2020 my wife and I applied for a {$510000.00} mortgage loan with Loan Depot to refinance my existing mortgage. The loan terms required {$40000.00} pay-down of the existing loan to meet the new loan program finance limits. I spoke with loan agent XXXX XXXX and provided the necessary information to apply for the loan. During the following week the necessary supporting documents were uploaded to Loan Depot 's secure website. The documents included information on my pension payments and account balances. The application was then approved and a 60 day rate lock was given for loan # XXXX. During the lock the period I turned XXXX years old. During the lock period I called several times yo inquire about the loan processing progress. Each time I was assured by Loan Depot the loan was progressing. The company login portal also stating the loan was being processed. As the 60 day lock neared I was concerned about meeting the lock deadline. I was assured by XXXX the loan would fund and if needed he could extend the lock period. The day before the lock deadline I was informed that the processing agents stated my income was not sufficient to grant the loan. I walked through the uploaded income documents with XXXX again and he confirmed he understood them and that my income was more than adequate to qualify for the loan. After the rate lock expired I was informed in writing that the loan was denied because my income was not sufficient. I filed a Loan Depot survey form complaining of the denial on XXXX XXXX.I offered to participate in a customer advisory committee. I have not been contacted by Loan Depot since.
Product: Bank account or service

I have inquires in my report about back accounts I did not try to open
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act 1974. XXXX XXXXXXXX two accounts are reported as charged off which are considered income and income is not legally reported to my credit report.
Product: Credit card

I received an {$250.00} unauthorized charge from XXXX car rental on XX/XX/year> after I had completed a rental. I never received any information from XXXX about what this charge was for, so i immediately disputed the charge with Chase as fraud. At the return of the XXXX rental I was told by the return agent everything was all good and the transaction was closed, so I wouldnt expect any issues or additional charges based on our agreed upon condition of the car. All of this information was shared with Chase fraud agent during our live discussion.

I recently received the results of the Chase fraud investigation and they said I am liable for the {$250.00} fraud charge, claiming the reason that I received benefit from this transaction. Since I was never told what this additional transaction was for, I dont know how I could have received any benefit. I paid my rental in full and closed the transaction at the time of return with XXXX, so the only person receiving any benefit from an additional fraudulent {$250.00} charge would be XXXX, not me. I have escalated this with Chase, but they have not shared any additional rationale about what benefit I received and why I should pay this {$250.00} fraudulent charge. They continue to side with a mega car rental company ( AVIS ), and are not concerned with their individual customer. I want them to resolve this on my behalf and remove this fraud charge from my account based on the shared and transparent facts from both parties in this situation.
Product: Debt collection

I contacted the original loan company who sold the debt to Allied Consulting Services. Allied Consulting continues to call and text at all hours of the day, multiple times. The calls and texts state they will contact my employer. The company is also contacting family members with the same calls and texts. This is harassing, causing stress for everyone, affecting work, and it needs to stop.
Product: Credit card

My Gold American Express Credit Card has had Fraud since about XXXX or XXXX of 2016. I 've been making contact with American express to get the amount that I owed for my payment considering the fraud on the account. I told them I was n't going to pay unless everything was calculated properly and fairly. Finally, XXXX approaches and my account is the same. I did n't see any deductions. Every time I call they tell me its been taken care of. At the time, I get an alert from the credit bureau saying my account is 30 days past due. I called again and they stated that would be taken off. XXXX finally comes and I deal with the same thing. XXXX comes and I am still dealing with the same thing. At this point I am highly stressed out and do n't know what to do. I am asking to speak to the American Express Credit Bureau dept and no one wants to put me through. They keep saying I 'll see updates. At this point, I get an alert and it says my account is 90 days past due. Towards the end of XXXX I spoke to an account specialist who finally understood what I was saying and he did what he could do. He told me my account would be back open by XXXX XXXX and if it were n't to give them a call back. He also stated that my account should be back current because I should n't be responsible for unauthorized use. He said he read all my notes and can honestly tell me that I should n't have to go through this and that nothing was my fault. His name was XXXX and his XXXX. Besides that, I called XXXX XXXX, 2016 and my account was n't open still and apparently the rep I spoke with told me I had to reapply which is extremely unfair by the way.
Product: Checking or savings account

I am willing to file a complaint against Wells Fargo Bankregarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged feesdue to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Wells Fargo Bank for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practicesare unfair and request an investigation into my account transactions.
Product: Mortgage

I am trying to work with Wells Fargo on a  short sale process, I have a buyer and we are attempting to negotiate an agreed upon value to move toward scheduling a closing date. This is all being pursued with a pending Foreclosu re Sale Dat e of  XXXX / XXXX  /2017.      The first complaint is an unwillingne ss of Wells Fargo  to adjust the pending foreclosure sale date in order to allow proper negotiation in good faith.     The second complaint is a general lack of cooperation by  Wells Fargo  in negotiating an agreed sale price in good faith. I have a buyer, an offer and counter offer has been submitted alone with pictures and estimates of work that would need to be done on the property which supports the counter offer. It has taken nearly  three weeks to get a response from Wells Fargo. The original offer was {$990000.00}, Wells Fargo  countered with {>= $1,000,000} and then my buyer countered with {>= $1,000,000} along with the documentation of work to be done, supporting that price. They are now saying the " valuation dispute '' has been denied but the {>= $1,000,000 } may s till be accepted??? and they want to know if that is our final offer. This makes no sense as the " valuation dispute '' and " the counter offer '' are  XXXX  in the same.     A continuation of years of struggling with how  Wells Fargo operates and the lack of sincere intere st in reaching resolution.     It should be noted that this short sale effort is being pursued only after a VERY lengthy and painful process of struggling to work wit h Wells Fargo over MANY  years. This long and troubling process is related to previous concerns about the underlying documentation of this mortgage. This is a  WELLS FARGO  MORTGAGE BACKED SECURITY LOAN which has numerous issues associated with it 's history and the mortgages proper conveyance. Such as issues relating to the need of mortgage loans to be transferred to a related trust within 90 days from closing and other subsequent transfers which cause the validity of the underlying mortgage to be questioned.     In an effort to move on from this concern, due to an ongoing divorce proceeding, the short sale process has been embraced. At this point in time that process has developed into a new and troubling concern.     Please advise.
Product: Debt collection

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 


I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX AND XXXX XXXX XXXX. 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX  XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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. 1681s-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: Credit card or prepaid card

I recently tried converting my old credit card with a higher annual fee to a new card with no annual fee. I was told that I would be able to convert from the old card to the new card with no associated fees and would not need to pay the annual fee on the old card. However, I was instead charged the annual fee on the old card, to my surprise. When I called again, I spoke with another associate who said that I would need to pay the annual fee because I had not performed the conversion within their 52-day window. They were unable to waive the annual fee on the old card despite receiving no benefits on the old card. I received conflicting guidance between two customer service representatives and I'm now {$450.00} out of pocket. I always seem to have technical issues with my accounts at Citibank which is very frustrating.
Product: Debt collection

I attempted to contact the school numerous times and have submitted all of the accompanying documents to both the school and collection agency. This is being fraudulently reported as a debt owed. The school owes me a refund per Texas TDLR guidelines and is stated in their student handbook. I never entered into a payment plan with the school, was never notified by either them or the collection agency about the debt, despite multiple attempts neither of the 2 can provide a statement of what these charges are and their dates. I never received 90 % of the the course materials I paid for from them and when notified/requesting them sever times, I was dropped from the program and ignored.
Product: Vehicle loan or lease

XX/XX/ : I paid off my vehicle ( XXXX XXXX XXXX ) with Hyundai Motor Finance . 

XX/XX/XXXX : I called Hyundai Motor Finance asking if they'd released my title to the DMV. They advised that, due to system errors, they could not do it at that time but would send it out within 72 hours. 

XX/XX/XXXX : I followed up with Hyundai Motor Finance and they stated that this had been completed. 

XX/XX/XXXX : a serious legal complication arose in my life where I needed to prove to the Court that my vehicle was titled in my name ASAP! I contacted the DMV for a copy of my title, they stated they did not have it. I then immediately contacted Hyundai Motor Finance, and the representative said there was " nothing they could do since the vehicle was paid off ''. 

XX/XX/XXXX : I spoke with a member of management at Hyundai Motor Finance who finally promised to take immediate action in getting my title released to the DMV. I asked for a confirmation email, they said they could not provide that but I should " trust them to get it done ''. 

XX/XX/XXXX : I went to the DMV to follow up on whether they received my title paperwork. Still NOTHING. Keep in mind, Hyundai Motor Finance has been WRONGFULLY holding on to my title - MY legal document showing ownership of my vehicle - for over SEVEN MONTHS!! This company has had NO sense of urgency in rectifying their mistakes and I keep getting different information. I NEED MY TITLE ASAP OR I WILL FACE HEFTY LEGAL CONSEQUENCES. And if that happens, I will be taking my own legal action against Hyundai Motor Finance for pain and suffering!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXXXXXX : {$480.00} ( fraudulent ) Fig Loans : {$920.00} ( fraudulent ) XXXX XXXX : {$400.00} ( fraudulent ) Has taken my credit score below average and affecting a lot.
Product: Debt collection

My mother XXXX XXXX recently passed away and she had a credit card from XXXX in the amount of {$4100.00}. XXXX XXXX from Wellman, Weinberg & Reis in XXXX and I we agreed on the phone on XX/XX/XXXX ( they recorded the conversation ) for a settlement of {$1200.00} as a one and final settlement for this amount and it would be reported to the credit agencies as settled and no further collection against this debt would be pursued. They were supposed to send the letter stating the settlement terms three to five days from there and never did. I left a couple of messages and they called back today XX/XX/XXXX and reneged on the agreement. I spoke with a XXXX then XXXX and they both reneged on verbal agreement for {$1200.00} as a one and final payment to settle the account entirely. XXXX tried to say it was just a payment and it was definitely not. I have done a few Credit Card settlements in the past and know exactly how to do them correctly, so this is clearly a fabrication of events on their end. They are disputing that {$3000.00} of those charges went to a funeral home after my mother XXXX passed on XX/XX/XXXX but she authorized us to do this before she passed. This information was also mentioned to XXXX on XX/XX/XXXX and she, her supervisor and Wellman attorneys all agreed on this amount. There has been documented cases on the FTC and BBB in XXXX, Ohio from others about Wellman reneging on settlements in the past. This is a pattern with them. To resolve this issue I simply want Wellman to send the letter agreeing to our original terms on XX/XX/XXXX which was ; {$1200.00} as a one and final payment to settle my mother 's XXXX card of {$4100.00}, send a letter stating that the account is settled upon cashiers check payment of said amount and the terms we agreed upon. I can be reached at XXXX XXXX XXXX or XXXX. Calls are preferred. Thank you. XXXX
Product: Mortgage

Ive been fighting with Bank of America for over 5 years to delete PMI off my account. Processing time : 10 days I received a letter stating a property valuation is needed with a fee of {$100.00}. The letter stated once the fee is received it will take 10 days. The payment has been sent. On XX/XX/2023, I called Bank of America and spoke to someone named XXXX in PMI department who said the letter is only valid for 30 days. 

On XX/XX/2023 I paid about {$30.00} to overnight the requested {$100.00} payment. On Friday I received an email ( see attached ) from Bank of America stating the fee has increased to {$150.00}. 

Why didnt XXXX in PMI advise that the fee was not {$100.00} but {$150.00}. This is not customer service but another tactic to stall delay or prevent That PMI from being deleted from my account. Bank of America practices for PMI removal are unfair to customers since it results in continuous policy changes that were not disclosed and makes this process very cumbersome. 

New email now says processing time is 13 days. Is it ten days to process or 13 days. Very confusing and inconsistent. 

How much is BofA benefiting from dragging out the PMI deletion process. Its almost like they make it so hard they want you to go away. 

The method and practices are antiquated. Who writes checks? Who uses snail mail?