23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I just received a letter from Wells Fargo Auto Finance dated XX/XX/ 2023, threatening to repossess the vehicle after a representative and I spoke to get information to them as to why the payments are late. I told the rep that I had part of my right ear amputated, and just got back to work. He said that Wells Fargo Auto would work with me on this. Now I`m getting threatening letters stating they're going to repo my vehicle.

This was a faulty loan to begin with, and the loan application is fraudulent, my signature appears three times on it, and it is not my signature. Still, I`m catching up on my back payments, and Wells Fargo Auto Finance is not helping me as they promised.
Product: Credit card or prepaid card

I applied for a Wells Fargo credit card to do a balance transfer. I asked for {$10000.00} credit and received a {$15000.00} card. When the card arrived I didnt want to use the enclosed check so I called the bank and the customer service rep helped me decide to do a {$13000.00} transfer from XXXX electronically.On XX/XX/XXXX, I find out I owe XXXX to Wells Fargo, even though I only had {$15000.00} limit. I called the bank and was told the rep made a mistake and I should call XXXX to reverse it. After almost 90 days its still not resolved, but Wells Fargo charged me 2 transfer fees, and forced me to pay $ XXXX monthly and no longer takes any responsibility for their mistake
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing issue I have encountered concerning my background check that has led to significant challenges in my personal and professional life. 

On XX/XX/XXXX, I applied for a position in Human Resources and received a pre-adverse action notice from XXXX XXXX. During this process, I discovered that a level XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ) charge, which was expunged in XXXX, is still being reported on my record. 

Furthermore, I recently applied for an apartment at XXXX XXXX in XXXX, SC, and was informed via email that the same charge was cited in the decision to deny my application. The screening for this application was conducted by XXXX. 

I have attempted to reach out to the courts for clarification regarding this matter ; however, my inquiries have gone unanswered. This ongoing issue has caused me considerable distress and has adversely affected various aspects of my life.
Product: Credit card

I am writing to file a formal complaint regarding my recent XXXX XXXX. 

I have contacted Zip regarding potential fraudulent activity associated with this booking and have not received a response. Additionally, my communications with XXXX, XXXX, and XXXX have been unhelpful and unrelated to my complaint. XXXX XXXX  most recent response indicated that there is no timeframe for resolution. I am also disappointed that no one from Zip has contacted me directly to discuss this matter. 

I booked a room through Zip and checked in toa hotel shortly after midnight on Saturday, XX/XX/XXXX, for a three-night stay in two prepaid rooms. Upon seeing the condition of the room, I immediately canceled both rooms and checked out that same day. The front desk attendant informed me of a {$100.00} incidental fee, and after providing my card, I discovered they had charged a total of {$710.00}. I spoke with XXXX, another hotel employee, a few hours later to confirm the cancellation and my departure. 

I have contacted XXXX multiple times regarding the hotel 's unacceptable conditions and the theft that occurred, but I have not received any response. I was only refunded for two of the three nights I had booked, despite not staying a full day. XXXX still owes me {$260.00}. I have even reached out to XXXX XXXX, XXXX XXXX of the XXXX, but have not received any assistance. 

I am requesting a full refund for the remaining night of my reservation. I kindly urge you to investigate this matter promptly and respond to my complaint as soon as possible. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Credit card never sent the bill and now it has been 60 days. My credit score has dropped by 90 points. This is for My Best Buy Visa Card. Account number. I just found this out today XX/XX/2020. On XX/XX/2020 i used The credit card to buy an item for {$11.00}. On XX/XX/2020 i was charged XXXX in interest. On XX/XX/2020 i was charged XXXX dollar in interest. On XX/XX/2020 i found out that my credit score had dropped by 90 points! I found out That this was due to the fact that i was never billed.
Product: Debt collection

The North Carolina XXXX XXXX accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC XXXX certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for Discover Card, by the content signed by her, was in fact more - over and above the amount that their client Discover Card, has attested in dozens of complaints where Discover Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. 

The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, Federal laws when they attempted to collect {$1100.00} more than the reported amount by their own client, Discover Card. 

Federal and state laws have been violated by the attorney, firm, and Discover card clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, Discover Card falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one Discover Bank charged off account - when in fact I never paid any months payments to charged off account. 

XXXX XXXX XXXX XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( XXXX ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or
Product: Credit reporting or other personal consumer reports

My x girlfriend ask the the company to remove me as a authorize user, they told her they did but still shows up on my credit report, this was done around 2021
Product: Bank account or service

In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Td Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Td Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Td Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Td Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.
Product: Debt collection

This account was to be paid by worker 's compensation. The company didn't process the correct papers.They send a bill amount without the medical diagnosis and process that took place. I called XXXX XXXX and explained that I got hurt on the job and XXXX XXXX XXXX XXXX of Louisiana was responsible for paying this account. Than I called XXXX XXXX my case manager and explained. SHE explained that they never should have reported it on your credit report, because it's a government issues and they're waiting on the correct papers to be processed. Than I called XXXX XXXX again to check the status if the correct papers were send. The person said no, I asked why, I was put on hold. He stated I don't know. I asked for a supervisor. I explained to her and she was rude and stated it's my responsible to get the correct papers to work 's compensation office and not there office. I said this is the frist of my hearing. And I haven't heard anything until now its back on my credit report.
Product: Debt collection

I have received 5-6 calls per week from Portfolio Recovery for over a year. Each call is from a different number. I have no overdue debt, and my credit score is over 800. I have told them repeatedly to not call, yet they persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Debt collection

My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :
Product: Mortgage

On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my HUD XXXX XXXX, XXXX XXXX, XXXX and In XXXX I ended up submitting a complaint to the CFPB ( XXXX ) because I was getting mixed responses from Selene Finance on the status of my application submission. After CFPB became involved, I received a call from Selene Finance advising that my application was complete and that the underwriter submitted the modification proposal over to the investor. 
I was then contacted by XXXX XXXX from Selene Finance and was told that they should be hearing of a modification approval by the investor by XX/XX/XXXX. On XXXX my XXXX XXXX tried to reach Selene Finance and after no success. I called in and was told by Customer Service Representative that my loan modification proposal was still being reviewed by the investor but that I should be hearing back from them by XXXX. On XXXX I tried reaching out and was unable to reach XXXX XXXX. I gave it another week and reached out to Mr. XXXX then advised that my proposal was still being reviewed by the investor and that I should wait another week. It is now XX/XX/XXXX and as of today, my XXXX XXXX was advised that my loan modification proposal was still being reviewed by the investor. 
The concern my XXXX XXXX has is that after 30 days Selene Finance or the investor can come back and ask that resubmit the loan modification application because the documents I submitted back in XXXX are no longer valid after 30 days. Therefore, shes asked to reach out to you for further assistance. 

XXXX regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There are several complaints regarding the servicing of my mortgage with Union Home Mortgage. 

I am in need of assistance and XXXX has not responded to my requests. 

XXXX ) I am unable to make contact with them via telephone without using their chat feature and then waiting for a telephone call. I was told over a year ago that this was due to their telephone systems and how it works with XXXX XXXX XXXX. This is not acceptable at this point. 

XXXX ) At the end of XX/XX/XXXX, I spoke to someone at XXXX who agreed that I was eligible for a payment deferral to bring my mortgage current. I was advised that documents would be sent to my address for me to sign and return. This has yet to happen. I understand that these things take time to process however were past 90 days since that conversation. 

XXXX ) XX/XX/XXXX, I applied through the Texas XXXX program to assist me in getting current using Treasury Funds. I was approved and they reached out to XXXX in XXXX, XXXX, and now again on XX/XX/XXXX. They still have not received a response of this morning despite the state offering to bring my mortgage current through the Texas XXXX program. 

XXXX ) Recently, they sent an inspector out to my home who jiggled the front door handle and frightened my entire family on a Sunday. Which almost escalated into a very stressful situation for everyone involved. 

XXXX ) At this point, I do not know the status of my mortgage, where the documents are, or why they refuse to respond to Texas XXXX despite the requirement to reply to their record request within 14 days. I am very concerned and am shaking with fear at the thought that XXXX is purposely delaying this process so they can foreclose on my home. I need assistance and I am trying my best to get caught up but the silence is deafening. 

Please assist me so I can get back on track and begin making my payments on time again.
Product: Credit reporting or other personal consumer reports

I had XXXX loans through this company one opens XX/XX/2023 which was paid off and closed XX/XX/2023 and another loan opened XX/XX/2023 and closed XXXX. Both were completely paid and closed, yet the company was still reporting as opened and full balances. I have been disputing this loan from XXXX since XXXX and the loan from XXXX I have been disputing since XXXX. Once disputed all credit agencies then adjust it, only to have XXXX loans ( which reports under XXXX on my reports ) come behind and report account as reopened or having a balance repeatedly for the past XXXX  month ever single time its fixed they come back after to report negatively and inaccurately. I feel they are doing this to make me ineligible for other loans at better interest rates and force me back into XXXX % interest loan with them! They currently are reporting a loan closed in XX/XX/2023 is closed but has a full balance, when it was just fixed correctly XXXX weeks ago, they have caused me thousands of dollars by forcing my home loan to be pushed back months please take action against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  alleges XXXX XXXX did not pay XXXX and XXXX and instead is coming after me over the balance discrepency. As per the terms of our contract I do not owe either company any money. These two companies need to figure out the problem. I am not liable for payments XXXX XXXX XXXX deems were not paid by XXXX XXXX. XXXX, Equifax, and XXXX must correct the balances on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunrise Credit Services {$240.00}. 

I disputed the above account on numerous occasions and it came back verified and I want to know how can can something come back verified when I did not open one with them. XXXX is violating my consumer right under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I can go on and on showing blatant violations for the reporting agency ....
Product: Checking or savings account

When I make purchases the charges pend on my accounts for days, and my still allows me to make purchases and transactions without taking the money from pending transactions which puts my accounts in the negatives. This happens with my checking account as well as my credit card account. The bank told me on their end the money has been taken out, but in all actuality it hasnt.
Product: Credit reporting or other personal consumer reports

I recently applied for financing through XXXX XXXX  and was denied. To my knowledge, I have great credit and was shocked. I received a letter from XXXX XXXX stating the reasons for denial, delinquencies, bankruptcies, too many open accounts with high balances, too many applications. None of this applies to me. After multiple attempts to get in touch with Experian, I was finally able to. They stated that my account had somehow been merged with someone else and that this is very common. I was told that a dispute had been filed to have the other person removed and to give it XXXX hours. After attempting to view my credit report online, I again had to call experian to go through their endless prompts that only lead to automated services. Once finally reaching a person and getting assistance to view my report, my report still contains information that does not belong to me. It shows incorrect names, previous addresses that I did not live at, and a co-applicant/spouse, which is also not applicable to me. I was informed on my second phone call that they placed a freeze and I would need to call to get it lifted when applying for credit, none of this information was told to me in the initial phone call about my dispute. I tried to file an additional dispute to remove this information online, but it says I need to call. I tried calling but the disputes department is closed on weekends. I have also tried reapplying for financing and was told I now have to wait 30 days to reapply, and now I am currently without a sofa due to issues that are out of my control. This is extremely frustrating as I take great pride in my credit and living within my means and maintaining an XXXX XXXX XXXX. I dont understand how someone elses credit can just somehow be merged with mine without my consent.