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

Unable to access my account online ( mobile phone ) since XX/XX/2023. Had a XXXX card with XXXX. Apparently XXXX was taken over by Wells Fargo. 
I had no choice in this. 
I was told by Wells Fargo that I can activate my Wells Fargo Master Card on XX/XX/2023 which I did and the credit is working However, I put the Wells Fargo app on my phone but cant access my account. After SEVERAL phone calls and speaking to Several different people and getting different responses why I cant access my online account ( like my phone number didnt transfer ) Im extremely frustrated and anxious about not being able to see my account. I need to be able to access my account. I havent been able to see it since XX/XX/2023. Please help me get this sorted out. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is erroneously showing a charge off balance on my experian credit report starting onXX/XX/XXXX. This account was closed back in XX/XX/XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. XXXX and expreian not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all XXXX credit reporting agency XXXX XXXX 2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial reported my account 30 days late to XXXX XXXX  XXXX for the month of XXXX XXXX. The payment was dueXX/XX/XXXX and was paid by me onXX/XX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXXand the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.
Product: Mortgage

Wells Fargo Home Mortgage shows poor and inconsistent communication about the Escrow review process. I receive a new escrow analysis statement every few months and spend hours at a time on the phone with customer service trying to understand why my payments are projected to increase, sometimes hundreds of dollars at a time. I understand that on an annual basis, property taxes can increase and drive increased payments ( I work in XXXX, specifically XXXX XXXX, for a large XXXX  so I am well-versed on topics of this nature ). Each time I call I get a different answer on the cause of the increase, as well as a different promise that this will not happen again for another year. I have had multiple people tell me that my property taxes increased - within the same fiscal year - from the last quarter. This has happened multiple times. Other times, Wells Fargo has noted an escrow shortage of thousands of dollars, claiming I had a lapse in homeowners and flood insurance coverage. I would then proceed to spend hours on the phone with both WF and my respective HO/flood insurance companies, only to find out that they had sent WF updated policy information that had been " missed '' by WF. 

I get that XXXX payments are not fixed - taxes increase, among other factors, but communication from a financial institution should be consistent. Only moments ago, I had a customer service representative tell me that there is a chance my property taxes could go up again next quarter ( even though we are in the middle of a fiscal year ) so my payments could rise again. Wells Fargo demonstrates, once again, that their communication to customers is not only sub-par, but inconsistent and misleading. I do not feel that my personal and financial information are protected and well-managed at this institution and I am fearful of holding a mortgage here. I pity the people who blindly accept every answer they get from this company - if I had done that a few months ago when WF had lapsed in their communication with my insurance providers, my payments would be hundreds of dollars more per month.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, XXXX, EQUIFAX, XXXX I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.
Product: Checking or savings account

We currently have a lawsuit with partners in a business and are needing to complete the accounting of all the financial transactions that were completed through PNC bank. I requested the check images several times with no results. Finally I was informed that PNC BANK would not provide the check images unless they were requested for a legal case by Attourney subpoena. My Attourney has issued subpoenas to PNC bank on XX/XX/XXXX requesting all the check and deposit images from XXXX XXXX- XX/XX/XXXX with a time limit of 30 days to provide these very important documents. We can not possibly complete the accounting and dissolve the corporation without these check images. PNC bank provided the check images from XXXX to XX/XX/XXXX with no explanation as to why the remaining check images were not included with the documents provided as requested in the court subpoena. Myself and my Attourney has contacted PNC bank multiple times now requesting these additional check images and have not gotten any response back. It has been well over 90 days since our request for check images and still no response from PNC bank regarding this issue.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> a company which shows on my credit report as AMSHER COLLECTION SE added a derogatory remark on my credit report. I have never once in my life heard of this company and Ive never done business with this company and I definitely do not owe them any money. They are trying to collect {$730.00} which I do not owe them.
Product: Debt collection

On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a XXXX number on my called ID yet the business shows its in XXXX My last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/year>. On XX/XX/year>, I overnighted a cashier 's check for the full amount required to redeem the vehicle, as per your redemption terms. The payment has been received and processed, as confirmed by tracking number receipt, copy of cashier check. 

However, as of today, my vehicle has not been released, and I have not received any communication explaining the delay. I request that my vehicle be released immediately or that you provide a written explanation for the continued hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/2016 ; I AM/WAS XXXX WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX XXXX. BACK INXX/XX/2016 ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX  AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX  AND XXXX  AND THEY BOTH DELETED THE INQUIRY, BUT XXXX IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX '' IS YHANK YOU,
Product: Credit reporting

I have tried for months to get Transition to remove XXXX inquiries listed on my credit file because they are not mine and/or I did not authorize. I have an identity theft file with FTC since last year. They refuse to remove them and my credit rating is being affected tremendously. Recently, I had them add a security freeze to my credit file to prevent any more unauthorized inquiries. I want these inquiries removed immediately. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked Equifax credit report via XXXX on XX/XX/XXXX, which contained inaccurate personal address information. I used the Equifax online dispute function, which strangely did not allow completion of the dispute online, but rather insisted that I provide multiple ( 3 ) documents to prove my identity, by FAXING or MAILING, within 24 hours ... just to remove an erroneous address from my credit file. I collected the required documentation and attempted to fax the dispute form and identifying documents to Equifax on XX/XX/XXXX ( same day, well within 24 hours ). The fax number provided by Equifax ( XXXX ) reported on 2 different fax systems as " not in service. '' Yes, I can send the multiple documents Equifax insists I provide by postal mail. However, Equifax has made this process too ridiculous and ineffectual. If Equifax requires me to fax 3 different documents to prove my identity then Equifax should certainly should make sure the fax number listed on their dispute form is IN SERVICE. Instead, Equifax appears to be levying too many requirements on the dispute submission process, and then failing to provide a workable online or fax mode for submitting a dispute, all in an attempt to discourage consumers from legitimate efforts to correct their credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX  XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$620000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Product: Credit card or prepaid card

Walmart MasterCard account was fraudulently opened and used paid for used again paid for payments returned and used again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I NEVER gave You or XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices.
Product: Checking or savings account

PLEASE SEE ATTACHED I AM THE VICTIM OF ID THEFT AND US BANK HAS REFUSED TO REMOVE THE FRAUDULENT DDA IN MY NAME I AM ATTACHING MY FTC ID THEFT REPORT AND LETTER FROM FURNISHERS. I ATTEMPTED TO OPEN A BANK ACCOUNT AND WAS DENIED DUE TO THIS ERROR
Product: Credit reporting, credit repair services, or other personal consumer reports

4TH ACCOUNT : THERE ARE OVER 133 CONSUMER REPORTING VIOLATIONS ON THIS ONE ACCOUNT WITH TRANSUNION. TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED. RE : 4TH ACCOUNT.
Product: Credit reporting or other personal consumer reports

Open account with XXXX XXXX  in XXXX. It is reporting 120 days late. How can you report on 120 days late when I just open the account in XXXX I am constantly this. We XXXX XXXX  and they refused to report it there in violation of my rights on the USC 1681i. I feel that my report is being tampered with because they steal report information intentionally did they know its not correct
Product: Debt collection

i have repeatedly asked for a debt validation from XXXX XXXX XXXX they have not sent me a contract that i have signed agreeing to pay any amount but yet they put it on my credit report
Product: Mortgage

Open letter to LoanCare CEO XXXX XXXX, Senior Vice President, Loan Administration XXXX, Executive Vice President and Chief Operating Officer XXXX, Senior Vice President, Client Relations XXXX, Senior Vice President of Loan Conversions & Escrow Department I bought a house two years ago. My loan was sold twice. The current loan servicer is LoanCare LLC. The county in which I live sent me a property tax bill in XX/XX/2016 which is normally paid by the mortgage servicer who manages the escrow account. XXXX went by without a payment by LoanCare LLC to the county for taxes. I received a follow-up letter from the county that said I ws in default and that if I did not pay immediately I would incur penalties and interest. Therefore, I immediately paid the taxes due directly to the County. The taxes are now paid in full by my own payment. Since then, LoanCare claims to have paid my taxes out of my escrow but the County Tax Administration states that they have only received one payment, and that payment was the payment I made from my checking account. I have receipt from County proving I paid these taxes and I have bank statement proving that payment came from my own personal funds from my own checking account. Yet LoanCare charged my escrow account for the taxes which they did not pay. I 've called LoanCare a dozen times. Each time I spend ten minutes navigating the automated IVR system only to be hung up on by the IVR system. I 've actually reached a human twice. The first time, the human promised to credit my escrow account for the duplicate payment. The second time the human said their systems were down and she was unable to help me. So far, no credit has been issued. I request an immediate credit to my escrow account. 

Please contact me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX. my phone number is XXXX. On XX/XX/XXXX, I got email saying my credite score decreased XXXX  points. I checked and found out XXXX send XXXX dollars debt to Credit Collection Serv. Actully this was not my debt. I divorced in XXXX, XXXX and I moved XXXX GA in XXXX, XXXX. I Started my Car insurance from XX/XX/XXXX in XXXX XXXX. 

But I got the phone call from XXXX in XXXX XXXX. I told them I had my car Insurance in XXXX XXXX  and I sent the statments of my car in XXXX XXXX to them. It was my exhusband '' s car Insurance. I gave the XXXX my exhusband phone number and i still called my exhusband about XXXXdollars debt. Then i did not pay any attention on this because it was not my Insurance. 

After I figured out the debt. I Just paid off on XX/XX/XXXX because I want to make my credit score back. They told me they will connect the credit comanies to repair my credit scrore back. they told me it takes 14-30 days to fix back. After XX/XX/XXXX, I did not see anything change about my credit. I called the credit collection company. -- CREDIT COLLECTION SERV. on the phone. They said it shew I paid off the the debt. and asked me to call Credit companies. I did, they told me call XXXX. I did too. but XXXX said there is not debt there. They don't do anything. I confused, I need help. I appreciate if you can help me. Thank you. Attached my car insurance in XXXX XXXX. ( XXXX asked me show my car insurance after XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I contacted the two credit bureaus XXXX and XXXX. They continue to report that an account, solor mosaic, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ongoing disputes with XXXX XXXX XXXX previously known as XXXX XXXX XXXX XXXX. My debit check card was used fraudulently in XX/XX/XXXX and XX/XX/XXXX while I was being hospitalized and under my doctors care due to an injury. The fraud was not discovered by me until around XX/XX/XXXX when I was well and able to handle my finances. The fraud was reported to XXXX in XX/XX/XXXX. XXXX wanted me to release my medical records to them in order to verify I was in hospital which I didnt feel comfortable with doing I felt it was unnecessary. My debit card was being used in XXXX and XXXX states which Ive never been. At the XXXX   agreed not to report it on my credit bureau the charge off account but the account has remained on my ChexSystems report. XXXX  has refused to work with me on the dispute and getting the charge off cleared even after numerous phone calls and even with me filing a police report with the police department. I last spoke with XXXX at the midtown hy location in XXXX on XXXX. It was stated by her that there is nothing I can do about the account now because its been past 60 days since the fraud occured. I informed her that the fraud was reported over a year ago and the fact that I was hospitalized and gave her a copy of the police report. At this point it has been almost 2 years and still the account is not resolved even with XXXX having well known knowledge that there were fraudulent charges made on my account. At this point if it can not be resolved with the cfpb complaints, police reports, and identity theft affidavit, I am prepared to take this case to small claims court and sue for fcra violations, since this is reporting inaccurate and fraudulent information to a consumer reporting agency ( chexsystems ) and has been doing so for almost 2 years even after they have knowledge the account was used fraudulently and not by me
Product: Mortgage

We received a letter dated XXXX XXXX, 2015. The letter stated we may be eligible for a FHA Hamp with Partial Claim. To accept this offer we were required to make our XXXX monthly " trial plan payment '' under our Trial Payment Plan. The Trial Payment Plan was as follows:XXXX payment : {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15The plan further stated each payment had to be received by Stonegate Mortgage within 15 days of the trial payment plan due date. 
We made the trial payments as follows:XXXX payment {$1400.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15We have successfully remitted the trial period payments and have not received any further notification from our mortgage company advising us how to proceed. We did receive a phone call from a Stonegate representative stating our trial payments were short by approximately {$40.00}. We challenged that statement and have documentation to show all of our trial payments were made successfully. The representative stated they would research the matter and get back to us. We have n't heard back. 
We need to know what the next steps are. We need to know if we are approved for the FHA Hamp with Partial Claim. We have n't received anything in writing or verbal from Stonegate advising us how to proceed now that we have successfully completed the Trial Payment Plan.
Product: Debt collection

This is a previous file. Chime bank lied to you and stated the charges were vaild when I said they robbed me. I have the reversal of charges to prove Chime lied to you the entire time
Product: Debt collection

Barclay card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : My credit score is a XXXX and I purchase a pair of socks from XXXX XXXX to help try to boost my score and get some activity going on the card. 

XXXX XXXX : XXXX XXXX XXXX sent me a statement in the mail that I never received indicating that I had charges and a balance on my account. 

XXXX XXXX : XXXX XXXX XXXX supposedly sends out another mailing statement indicating that I have an outstanding balance. My credit score drops XXXX points. However, they include a number of hidden fees and charges. 

XXXX XXXX : Contacted XXXX XXXX to see if they could remove the past due delinquencies from my history and they tell me that they can not.