23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a wells fargo account. They are always putting the transaction between 2-3 says after the purchases or payments. For example every week they are supposed to post my car payment, at the beginning they put they payment the fridays, now it not appears in my account until Tuesday. The same with my cellphone bill, at the moment of the payment they post it in the account, an hour later is gone and again it takes 2-3 days to post it. I 'm always cheking my account to avoid negative balances, but I know that they can do better posting transaction faster. This kind of behavior affects my account sometimes with fees or insufficient balances wich is not fair. I dont think I 'll need to keep an eye in my account all days to avoid that kinds of fees or negatives. The fee thing just happens once and they give me back the money because was my 1st one, but I do n't want to wait to another one so they dont give me back that one.
Product: Debt collection

I have been trying to work with AmSheer XXXX XXXX for 3 months now. Phone calls where made to AmSheer multiple times to acquire a debt verification letter they would advise me that they where waiting on XXXX XXXX for information after a month and half I called again and spoke to supervisor asking where this verification was? He states you should have submitted a document which the XXXX to 4 times I had called before was never mentioned to me once. I spoke to there supervisor XXXX who was extremely rude and would make remarks that its not his concern that I did not know how to validate debt or would explain to me how to do so. When asking him how to do it he said thats not his job. 

During this time I had reached out to XXXX  who also confirmed I had no debt with them. They ran my social security number thru there system and confirmed I had no debt or any account with them. 

After leaving a review on XXXX XXXX XXXX contacted me in regards to the review and how he can assist again after a month of waiting and persisting for a debt verification letter finally XXXX was provided a month after initially asking. 

After reading the letter which they gave me which I have provided to you. It clearly shows on the statements they provided the debt is not mine. But they are still trying to collect on this debt. 

I called again today and they told me that I did not need to sign anything for XXXX to have my consent to make me responsible for this account. So now they are spreading false information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX   There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
Product: Debt collection

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX  XXXX and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Consumer Loan

I was a cosigner on an auto loan for my wife with Santander. We completed an online change of address with Santander on XXXX/XXXX/XXXX from our XXXX SC address to our XXXX SC address after relocating. My wife and I later separated. She contacted Santander in XXXX XXXX and requested a voluntary repossession on the vehicle after financially not being able to afford it. I was not made aware of this until reviewing my credit report. Santander never contacted me regarding this. They never advised me that this repossession was taking place. I was denied the opportunity, as a signer on the loan, to keep the vehicle and make good on the account. I contacted Santander in writing on XXXX/XXXX/XXXX advising them that my rights had been violated and that as a resolution, I requested my account be deleted with the credit reporting agencies and my financial responsibility be terminated. They responded in writing with a copy of a letter sent to my old address, which I never received.
Product: Mortgage

To whom it may concern : I have a home, XXXX XXXX XXXX XXXX, NV XXXX. Rushmore Loan Management Services is servicing the loan. I am an additional person to be considered on the loan. Ive sent Rushmore a completed loan modification application and all supporting documents requested via certified mail twice. Despite me having a receipt from USPS saying otherwise, Rushmore has said the loan modification documents were never delivered or lost twice. 
I would appreciate it if the Consumer Financial Protection Bureau could investigate and help me figure out when we can expect our loan modification. 
Thank you in advance for your help. 

Sincerely, XXXX XXXX
Product: Debt collection

Unauthorized Inquiry Dispute Dear Sir/Madam, I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : XXXX. Inquiry by LVNV Funding LLC, on XX/XX/year> I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 

Thank you for your prompt attention to this issue. I look forward to your response.
Product: Debt collection

XXXX XXXX constantly changed the amount they said I owed for my treatment with them in XXXX and early XXXX. However I paid it every time they gave me an amount, always thinking I was paid in full after insurance. At one point I was actually overpaid over {$100.00} because they were overcharging me. Then in XXXX XXXX, XXXX they sent me to collections for {$32.00} and {$7.00} for a total of {$40.00}, which they never sent me a bill for just sent me to collections. On XXXX XXXX, XXXX I paid and did n't argue with them, thinking I was paid in full six months after my XXXX ended. XXXX XXXX, XXXX they sent me a bill for {$180.00} and I called for a detailed statement. All I got was another statement with credit adjustments and now saying I owed {$36.00}. This time I went to XXXX XXXX to try and resolve the matter. There they said I owed {$3.00}, as I was going to pay this I decided to make them call the Accounting Department to explain the {$36.00} versus the {$3.00} because I wanted this paid in full, over and done with since I had not been there for treatment since XXXX XXXX. When Accounting forwarded the statement after waiting about an hour, it showed {$36.00}. I paid that instead of the {$3.00} and said I wanted something showing I am paid in full and do not owe them anything more. I received the attached detailed statement showing I paid them {$36.00} on XXXX XXXX, XXXX with a Patient Responsibility of XXXX. I do believe this was for one of the overcharges they they credited me at one time and reversed but I just wanted it done and paid it, it was clear they did n't know what they were doing. They assured me they would get everything taken care of with the credit reporting agencies because this was all their mistake in their Accounting Department with changing the amounts and not filling me in six and nine months after my XXXX was over, when I thought I was paid in full. I do not owe this {$32.00} on my credit report, another new amount, but from the XXXX XXXX date where they started the collection process and I immediately tried to take care of it. This should not be anywhere on my credit, nor should it ever have been. I was not aware they never fixed anything with the credit reporting agencies until I applied for my car loan in XXXX XXXX. And this says {$32.00}, It took me a while to find all the receipts and documentation, but I did and it is attached. Thank You.
Product: Credit reporting or other personal consumer reports

They never did a investigation on the fact I was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the account. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n and 15 USC 1681a , 15 USC 1681c , 15 USC 6801, Family Educational Rights and Privacy Act, and 15 USC 1681s-2 . I will file Arbitration as my next action if we can't come to a resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted XXXX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

I previously sent a CFPB complaint about this collection agencies communication tactics, basically that this company will not transfer you to a manager and rather would just hang up on you. Last week I filed a CFPB complaint requesting validation of the account and requesting a cease and desist. Capital Accounts mailed the attached letter to me, stating enclosed is the itemization you requested, however, this letter did not include validation, but rather a blank document with the QR scanner square in the upper right hand corner. This does not constitute validation, this letter does not have the MRD Call may be monitored or recorded.. on it either, nor is there return information. I called to speak with a manager, XXXX XXXX laughed at me and stated that he doesnt believe his company did anything wrong and that I can see why my collectors hung up on you ; these are not professional statements and this manager should be fired for incompetence. Consumer request validation and your staff should understand what to do and how to mail documents. 

Pair the fact that they hang up on consumers when requesting validation and then when there are issues with the documentation they sent, you cant even get them on the phone ; this company should be put out of business.
Product: Credit card or prepaid card

On XX/XX/XXXX I was on the XXXX XXXX website. I went to purchase a seat upgrade. An advertisement to sign up for the XXXX XXXX Citi AAdvantage card popped up. The advertisement stated I would receive a {$400.00} statement credit when using the card for travel purchases. It also stated that I would be receiving XXXX reward miles after spending XXXX amount of dollars, I applied for the card and did receive the {$400.00} statement credit. I did not receive XXXX bonus miles. I received XXXX bonus miles. I never received any disclosures regarding the credit card or any information regarding the promotional offers. I called Citibank for help. I was told by one representative that they would give me XXXX bonus miles in lieu of the missing miles that I was inquiring about because there was no such offer but as a courtesy they would give me XXXX bonus miles. I did not accept that offer and asked to be transferred to a supervisor. the representative stated that a supervisor would tell me the same thing and would not honor the additional XXXX bonus miles unless I had proof that I was supposed to receive a total of XXXX bonus miles. I opted to still speak with a supervisor, and I was transferred. The supervisor ultimately offered me XXXX bonus miles and seemed to be very frustrated with me and my persistency to get my additional XXXX bonus miles. He stated that if I do not have proof that I was supposed to receive XXXX bonus XXXX then theres nothing he or anyone can do for me. He told me that I had one last chance to accept his XXXX bonus miles and I refused and asked to open a case which she offered in the event I did not except his XXXX bonus mile offer. He stated to me that I would be receiving an email within 24 to 48 hours of the case being opened. The case was opened XX/XX/XXXX from what I recall. I called Citi on Wednesday XX/XX/XXXX to inquire about the case. The representative stated that I should be receiving an email by end of day Wednesday, XX/XX/XXXX as per the notes in her system. I was told to check my spam in the event I did not see the email. I have yet to receive any email from Citi in my inbox or in my spam. When I initially signed up for this credit card which I was solicited on the XXXX XXXX website, I never received any disclosure regarding the bonus miles or the {$400.00} statement credit when I use the card for travel purchases. I did not receive any disclosures regarding the promotional offer. I asked all representatives for that information and the information of the bonus miles for the card and which I applied for, and none of the representatives offered to send search disclosures. I am requesting that I receive the offer that I saw when I applied for the credit card. I am also requesting that Citi be required to send such disclosures when other consumers apply for any of their cards on any site that offers their branded card. I am missing XXXX bonus miles and I would like my bonus miles. I would also like my disclosures with the promotional offer I signed up for that I, as a consumer, have a right to.
Product: Debt collection

Experian has failed to respond and validate any debt and are severely damaging my credit. I want the items removed, please. 
XXXX XXXX XXXX XXXX Experian Balance {$2100.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Update this account to paid in full because you report a monthly payment of {$43.00} on a closed account On Experian XXXX XXXX XXXX XXXX No late payments appear on XXXX nor XXXX update to XXXX XXXX XXXX XXXX  XXXX Experian Balance updated XX/XX/XXXX IS AN ERROR Balance has not been update after dispute on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX Failed to enter within 30 days from first dispute On Experian XXXX XXXX XXXX XXXX No late payments appear on XXXX nor XXXX update to XXXX XXXX XXXX 4 POTENTIALLY NEGATIVE MONTHS No late payments appear on XXXX nor XXXX update to paid on time The following XXXX items do not appear on XXXX nor XXXX DELETE IMMEDIATELY XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates XXXX date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX 2022
Product: Debt collection

2 medical accounts listed from collection agency : TRANSWORLD SYSTEM, INC ( TSI ) of which I have disputed with XXXX, XXXX AND XXXX and Collection Agent continues to verify without providing any validation or proof of debt. Prior letter ( s ) from TSI represent information that is on TSI letterhead. I have requested, by consumer collection regulations, copies of original invoices from original medical creditors. To date, my requests, for now well over a year, have been ignored. I've requested service dates and any contracts I allegedly signed bearing my signature, agreeing to pay these bogus medical bills. I will attach a letter I wrote to TSI well over a month and all has been ignored by TSI. I'm asking for permanent deletion to both accounts with the file returned to original creditor. The accounts are TSI REFERENCE # XXXX & REFERENCE # XXXX.
Product: Credit card

Wells Fargo, I have a permanent address in the XXXX but live in XXXX. I'm a XXXX citizen. In XXXX I got an XXXX XXXX card through my Wells Fargo account which I use solely for XXXX rides and purchases. I got this card because it offered points and did not charge foreign conversion or transaction fees. In XXXX of XXXX Wells Fargo contacted me saying they were changing the card from XXXX XXXX to a Wells Fargo Active Cash Visa. I searched for documentation of changes to the terms of the account on my online banking account. There was nothing. Just a button asking to accept or decline the new card. I searched several times in all part of the online banking information for information on any changes to the terms of the account. Nothing. So I assumed that since I had not received any information about the changes.That the terms would be the same. The card converted to the new card automatically. On XX/XX/XXXX I opened my account to pay the monthly total and found foreign conversion fees for every transaction I had made since the card moved from XXXX to XXXX. I called Wells Fargo immediately and demanded the fees be removed and expressed my sincere feelings that Wells Fargo had violated the law and my rights by not informing me of the changes or making the information easily available. They reversed several fees but were unable to reverse all or close the account because there were two pending fees. The reversals have not appeared on my account and they said it would take up to ten days to complete all the transaction fixes. I am filing this complaint because I know that Wells Fargo violated my rights and the law in this case. Even though it's a not easy to open a new bank account in the XXXX from XXXX, I had already considered that due to the recent news about Wells Fargo discriminating against XXXX families in mortgage offerings. When is something going to be done about all of this other than a paltry fine which a bank worth billions can easily pay? I was only out about {$10.00} in fees, but multiply that by the number of other costumers Wells Fargo is scamming and you quickly arrive at an enormous amount of money. And one XXXX of fraud is as bad as {>= $1,000,000} in my view. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed my account as a result of them not renewing their federal account causing my credit score to drop without fault of my own. This egregious error is impacting our ability to obtain a new mortgage or rent a townhouse.
Product: Credit reporting or other personal consumer reports

I've tried disputing this account, I've asked for validation and I've yet to receive any validation in relation to this account. XXXX has continued to reage this account and Transunion has refused to delete this account. An account is supposed to be deleted from the first missed payment and not the date it was charged off. If an account is reporting inaccurately it should be deleted. If a credit bureau continues to be negligent in reporting they must pay {$1000.00} per incident. The CFPB must stand firm and hold Transunion liable and order them to pay me {$25000.00} or make it so that this case can be taken to court. I have disputed this account and they have refused to investigate and delete this account.
Product: Debt collection

Current Balance : {$630.00} Debt was placed on my credit report and now its damaged my credit bad I keep receiving mails at my residence and receiving emails and feel threatened
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is refusing to provide me with account information that I AM ENTITLED TO!! The primary borrower has proven to be incompetent in managing this account thereby damaging my credit! ALL information that I have acquired in regard to this account is through disputes! Apparently the monthly payment has increased. I learned this via my XXXX credit report through a dispute this month! The primary borrower was duly notified. I WAS NOT! 
Also, XXXX continues to request a complete, unabridged copy of MY credit report! Please refrain from asking again for this information as any further requests will be considered harassment. The ONLY information that XXXX should be concerned with is the account that they are servicing!
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XXXXXXXX XX/XX/XXXX Transunion, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Specialized Loan Servicing has taken escrow for property taxes and neglected to pay them. We have been sent an intent to FIFA on our property
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my information with XXXX, XXXX, and TransUnion on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days