23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have a HELOC and there is a sub account, the payment is to be one payment, they split it into 2 payments, I paid & there is payments shown but they have reported me for being late in XX/XX/XXXX & now XX/XX/XXXX. I was told by XXXX XXXX that since I complained they would place more late payments on my credit. They did. XXXX XXXX from Wells fargo told me that Wells fargo is hemorrhaging accounts & they need to stop ppl from refinancing elsewhere & their making sure accounts are looked over & they report late payments aggressively. This is the 2nd time I've had to report them for the same issue. This is not 2 accounts it's one HELOC & they are now saying it's 2 accounts 2 payments & it never has been. Below are the payments from the account & as you can see I paid it & they reversed it. They are on purpose filling late payments again ppl to ruin ppl 's credit to stop us from refinancing. I have show the payment I just made has been reverse & now they show there's not a payment made. I make the payment amount that is shown on their website & XXXX XXXX told me I have to now open the statement & pay some amount I do not see on any statements, XXXX says the website is no longer has the right amount to pay & I have to open every statement & pay that amount but the amounts are the same, they took my husbands credit from XXXX to XXXX this is shameful & how are they allowed to do this? Wells fargo is on purpose playing games with payments so they can ruin your credit so you can not refinance to get out from under them. 


Amount sort in descending order Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL REVERSAL {$18.00} Transaction Details for XXXX XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Proof of payment. 


Date sorted in descending order Description sort in descending order Amount sort in descending order Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$1.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$18.00}
Product: Mortgage

I requested a loan to purchase a home with in two day 's I was called and told that it had been denied. It states excessive obligations in relation to income. I have a car payment ; I've paid off all credit cards and my credit score as of XX/XX/XXXX is XXXX. 

Navy Federal Credit Union I've dealt with since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the account. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Please delete this account : ( XXXX XXXX XXXX )
Product: Debt collection

I was in a wreck in XXXX of 2016. The car I had through Capitol One Auto Finance was totaled out by the insurance company XXXX XXXX in XX/XX/2016 At the time I had full coverage through the company and gap insurance as well. Well the company settled XXXX leaving a balance of XXXX. Gap insurance sent over 2 checks XXXX and also XXXX. The total balance of the car owed XXXX. This left the account paid in full. Then 2-3 months later the XXXX XXXX XXXX started reaching out stating that I owe XXXX XXXX Ive been disputing with them for the last 4 years. They arent able to tell me exactly why XXXX is owed on the account when they originally gave the numbers to the insurance company of what was due. Now that Im paying close attention to my credit Ive been asking them to fixed the account they have refused to do so. Hopefully Im able to get some assistance this way. They have reported the account late and default which is not true. The account was paid in full from all paper work I received
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies XXXX, Experian, and XXXX. 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Debt collection

I purchased a washing machine and dryer from XXXXXXXX XXXX via credit card application which I later discovered the amount was financed by Synchrony bank. 
Unfortunately, this product was returned and a return process was duly completed ( see invoice attached ) this was back in XX/XX/2019, XXXX still reports an outstanding balance of {$510.00} which accrued from {$420.00} on my credit report and it still sends me bills every month. 

Order # XXXX Order Date : XX/XX/2019 Sales # XXXX XXXX Transaction # XXXX Store # XXXX Terminal # XXXX Store Manager XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXXXXXX I have been living in the United States for more than XXXX years now. I am facing issues with my Credit File Report On Equifax. I am writing this because I have concerns regarding my credit history report with Equifax. I can not access and find my credit history even though I have been in the XXXX for over XXXX years. I spoke with their customer service multiple times in the past XXXX months, and there was no help provided. I am still facing this issue today even after sending the documents requested XXXX times. I have a credit card, and bank account, with a good credit history with multiple organizations like XXXX XXXX XXXX and XXXX. etc.. Please go through my complaint and let me know what's needed to update my credit history I am unable to apply for a new credit card and other benefits because of improper information in my credit history.
Product: Debt collection

I paid the company and they keep calling me in regards to this issue and I talked to them respectfully twice but then was told that the amount was still due which it is not. This is the information I reported before : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report These individuals are associated with XXXX and their finance company, XXXX XXXX XXXX, I want these phone calls to stop. They also are calling and when I answer the phone they hang up this is supposed to be a professionally run company and yet this is happening and the employer should be made aware of some of their employees actions
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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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: Debt collection

In accordance with the Fair Credit Reporting Everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but, how is that possible when if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? Whenever my private attorney also known as XXXX XXXXXXXX does research on this account XXXX XXXX this loan was opened in the state of FL. THIS COMPANY FAILS TO UNDERSTAND THAT MY INFORMATION WAS STOLEN. I UNDERSTAND THAT MY INFORMATION MATCHES AND THAT THE DEBT WAS ILLEGALLY PLACED IN MY NAME. 

XXXX XXXX lies and states that it has tried to contact me several times. They state that I never gave them a government ID. And this is the reason why they have denied my claim neither have they tried to contact me about the situation. After calling in for the past month they never follow up with a call back as well. I have already placed their agent on cease and disease because of the lack of following the law and respecting my consumer rights. They fail to give me a different agent that will respect my consumer rights. 

Both financial institutions and credit bureaus must respect my consumer rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It states a consumer reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

Received email notifying of my account relationship ending on XX/XX/22. They indicated it was " following a recent review of my Checking Account they have made the decision to end our relationship ''. They indicated the account would be terminated today XX/XX/22. I still had some money in the account but they promptly terminated the account not even giving me the rest of the day to move the funds. They terminated it at the wee hours of the morning. This is a XXXX XXXX company so they terminated it at at least XXXX PDT. 

What a bunch of XXXX  XXXX. Not shocking that they probably cancelled me over my political and religious beliefs since they are out of XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Do yourselves and favor and XXXXXXXX XXXX XXXXXXXX  from your banking lives.
Product: Checking or savings account

I thought to believe i had enough funds to cover a deposited check but I was wrong at least from what I believe from what I was told and my account was also closed
Product: Mortgage

To whom it may concern, I am writing regarding our home at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX. 
We have a situation with our mortgage and your bank which is extremely upsetting to us and we hope you can assist with this matter with urgency. 

We applied for a loan modification and received approval. We signed in front of the XXXX consul in XXXX, XXXX where we were for work and sent via XXXX to your address. ( Tracking # XXXX on XXXX / XXXX / XXXX to Final Modification Documents XXXX, Wells Fargo Home Mortgage, XXXX Wells Fargo XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 

I am attaching all the relevant information. I was constantly checking the loan tracker to see our updated information but the system continued to say it was updating our information. 

We became very concerned with the lack of information and decided to simply pay the old mortgage rate so as not to get behind. 

We continued to try to reach someone but were either put into a black hole of waiting or were told by phone operators that the information was being updated. 

Our payments were not applied to our mortgage ( new one ) of the moment but rather used to pay back payments that had been pre approved due to XXXXovid 19. The Covid 19 payments were to be paid at the end of our mortgage payments and we had this in writing and I believe was the law in the XXXX. 

We were trying to do the right thing by paying but instead have now received a foreclosure document and are still unable to get any information. 

Please assist, this is exactly the kind of extortion that has put Wells Fargo in the news again. 

I was only informed on the website that we had a notice of default and I have contacted multiple Wells Fargo phone agents all of whom say different things and none of whom seem available to help us. 

We are trying to pay our mortgage and keep our home. 

We applied and were approved for a modification. I do not understand what is going on. I hope someone with knowledge and power can assist immediately. 

The best way to reach me is through my email as I am often abroad for work related issues. 

Thank you. 
XXXX
Product: Debt collection

I let them know I am rescinding my signature to the alleged contract they purchase from the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Product: Debt collection

This debt was paid XX/XX/2022 in person at the hospital before a XXXX I have called and discussed this with XXXX Hospitals and they were supposed to take care of this asap.
Product: Credit card

I disputed a charge with Barclays. 
They sent me a letter with rebuttal and said the charge was legitimate.But the order details were wrong, the expiration date is wrong, and the billing address is wrong too, the expiration dates were all wrong in the rebuttal, see pages in XXXX and XXXX, this proves I did not authorize the charge. I will attach evidence .Because the billing information was wrong : the charge should not go through. 
I emailed the merchant about my cancellation for my refund, they emailed me they can not find my account, I did not get the merchant 's services but they charge me money. 
On XX/XX/2024, I called the dispute person at Barclays, he said he reported the merchant for fraud, but now they gave me a letter saying my dispute was denied.
Product: Payday loan, title loan, or personal loan

I did a payday loan a few years ago ( 2 ) I believe. I was in a financial bind and I was desperate. I did not want to be homeless. The loan I believe was for XXXX. I did not have the money to pay it back at that time. I got a call last year ( XX/XX/XXXX ) about they were going to take me to court and I was going to be a convicted felon and lose my XXXX. I was going to try and sacrifice and pay it but something did not feel right. I did not pay it. 
I get a email today XXXX/XXXX/XXXX saying that they are coming to arrest me and I am going to lose my XXXX and they are going to take my money and I am going to be a convicted felon. I am scared but I know that it is illegal for them to do what they are doing. So my question is what can i do? I am willing to pay XXXX a month but that is all that i can pay. I am XXXX and I dont want to be homeless. I have XXXX and so I need help on what to do.
Product: Checking or savings account

I noticed a few fraudulent charges in my account, I immediately reached out to WellsFargo regarding this issue I explained everything to the claims department representative an also offered to provide my work schedule showing I couldnt have made the fraudulent charges due to me being at work however the the claims representative told me it was ok and filed the claim for me and provided me with a provisional claim. Two days ago WELLSFARGO took {$1200.00} out of my account not even leaving me with enough money to pay my bills I reached out to them and the claims representative was very ignorant am told me that I made the fraudulent transactions or gave my card to someone to make the transactions I explained to them that, thats simply isnt true and asked to speak with a supervisor the representative told me no I asked if the claim could be reopened an if I could send in verifiable evidence showing that I did not make the transactions I was told no and that the claim was closed indefinitely! I will be filing additional complaints against WELLSFARGO as well as closing all accounts this was a terrifying experience. I will be adding the claim number below XXXX
Product: Checking or savings account

I used to had an account at first national Bank there was an individual that called me proposed as The XXXX XXXX  said I had a loan he asked for my information it was {$2500.00} I paid some to it and the bank is using this information where I can not open another account
Product: Credit card or prepaid card

On XX/XX/2023, I was checking my email and noticed that XXXX XXXX had sent me two emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call XXXX XXXX to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from XXXX XXXX Bank telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call XXXX XXXX Bank and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on Discover Financial Serv. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies have 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 an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXX XXXX  | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry
Product: Debt collection

Attempt toi collect debt not owed in the amount of XXXX this was a result of identy theft XXXX XXXX  is aware of this it noted on there systems.