23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Bank of America visa card. In XXXX of 2015, I reported a fraudulent transaction from XXXX. BOA quickly issued a new card and assured me the matter was taken care of. In XXXX 2015, I noticed the fraud charge was added back onto my account as a " fee. '' After calling BOA, I was informed this was the result of a computer glitch and had happened systemwide. I 've since called customer service three more times and have been told it could take months to resolve. Meanwhile, the charge remains on my account, meaning I have to either pay the fraudulent charge or incur interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX BANK Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX CO XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( XXXX ) 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 promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.
Product: Debt collection

I had XXXX Medicaid at the time of my visit should have been covered
Product: Credit reporting

Equifax and XXXX have denied my request to block the fraudulent information reporting on my credit file resulting from identity theft. Pursuant to section 605B of the FCRA, any information resulting from such identity theft must be blocked. I included my affidavit and police report as well as my identification. These items do NOT belong to me and I did NOT open these accounts or ever apply for an account : XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section XXXX of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit beurea transunion, XXXX, XXXX are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My education loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no credit report
Product: Student loan

I spoke to a representative previously who set up an automatic payment plan. Without my consent or any correspondence, the plan stopped. Now, I am trying to call during a time period their automated system lists as a business hour, but I am told that they are not open. I can not find a way to speak to someone in charge.
Product: Credit card or prepaid card

XX/XX/XXXX : Took advantage of a balance transfer offer with 0 % APR terms until XX/XX/XXXX, which consists of approximately {$4500.00} in balances and XXXX in fees. 
XXXX ; Automated payment occurred on the account that I forgot to turn off that was spat out for insufficient funds. The payment was going to apply only to balance transfer amount of XXXX, as no other purchases or transfers occurred on the card since then. 
XXXX ; Automated payment is returned, but is now classified as a standard purchase with 25 % APR. 
XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - CC holder, during financial consolidation, realized that interest was charged on the account. CC holder calls the company to rectify this classification of APR balances. The CC company agent assures the holder that a case would be opened and that a favorable resolution seemed possible. Was promised a Communication in 7-10 business days with a resolution, but no incident number created and no email received acknowledging the cal XX/XX/XXXX - No communication since. CC holder calls the company to see if a resolution occurred. CC holder is put through some hoops before the department in charge of balance transfers told me that nothing can be done due to the terms of the agreement and thus the interest payments would stand
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute the following Inquires on my equifax report soon as noticed them being there. 
XXXXXXXX XXXX XX/XX/2023 and XXXX XXXX XXXX XXXX I sent out an dispute for these inquires because they are fraudulent and Equifax has an issue of giving out people personal information, leading to tons of Lawsuit Settlements and I hate to have to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries within the past year that someone is applying for a car loan I did not authorize or in the market for getting a car loan. I recently contacted the credit bureaus in regards & was told that they can not be removed I have to wait 2 years for them to fall off my report XXXX XXXX XXXX inquiries Experian XXXX inquiries XXXX XXXX inquiries I have requested for old addresses be removed ignored as well as collection companies that fraudulent & they have been ignored I have called, wrote letters & nobody is doing anything they are reporting inaccurate information
Product: Credit card or prepaid card

I have a account ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this season of crisis. 

I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.
Product: Credit card or prepaid card

On the evening of XX/XX/19 I noticed unauthorized charges on debit card when I checked my account online at home. I contacted Netspend immediately and opened a dispute claim on the first set of charges. I was informed that I must wait until the other charges posted to my account before open additional disputes. A total of {$5200.00} was stolen from my account. Apparently my card must have skimmed and a clone created with a phony name. Netspend is refusing to reimburse the unauthorized charges claiming no error occurred. Netspend customers service offers only scripted answers and will only give you the run around from one representative to another.
Product: Debt collection

Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didnt get a response within 30 days. It is required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Comenity regarding payment for my XXXX XXXX XXXX account and spoke with XXXX Reference # XXXX who transferred me to XXXX, Supervisor who transferred me to XXXX who advised he would file a dispute. The reference # I was given for that call is : XXXX. 
On XX/XX/XXXX, I called to follow up and spoke with XXXX, Senior Account XXXX @ Comenity. She said she put in a dispute where they will look at all payments coming in on XX/XX/XXXX and trace back to XXXX and I would receive a notice. 
On XX/XX/XXXX, I received the attached letter from Comenity stating my claim was received and were currently researching it. If additional information was needed a notification would be sent and to allow up to 90 Days to complete the investigation. 
On XX/XX/XXXX My bank, XXXX said they sent proof of payment was sent to XXXX XXXX XXXX XXXX OH XXXX - File Trace # XXXX ; Electronic Trace # XXXX On XX/XX/XXXX I called Comenity to check the status of dispute, I spoke with someone who said her name was XXXX & she was in the Ohio office Extension # XXXX and she was going to get this resolved On XX/XX/XXXX I received a letter from Comenity stating I am a valued customer and to call XXXX to resolve the inquiry On XX/XX/XXXX I called and spoke with XXXX XXXX, Supervisior who gave me a reference # for the call of XXXX. She told me I could upload the proof of payment documents through my account online. I proceeded to do that with XXXX XXXX on the phone, 3 times and received error messages and emails stating there was an technical error. XXXX XXXX said she was sending an email to the Dispute Team with a " time stamp '' and check on for documents. 

Last week I called Comenity and spoke with Senior Account XXXX, XXXX and was a advised the proof of payment was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone else used my information to obtained credit.
Product: Checking or savings account

Last year my taxes were sent to my cash app and I never received the full balance that was sent to me
Product: Debt collection

Today XX/XX/2021 I received a call from what looked like a local number but apparently was a spoofed number to looked local to get me to answer it. I asked who it was and she said her name is XXXX XXXX from national credit adjusters. If they are a legitimate company it strikes me as odd that they are spoofing theyre real numbers and making it look like theyre calling from the XXXX county sheriffs department or a city of XXXX employee number just to get people to answer the phone. She asked for all of my personal information such as date of birth and Social Security number. I advised her I was not comfortable giving my information over the phone to a fake number and politely asked if she would send me any documents she wanted to discuss by mail and to no longer contact me by phone. She proceeded to start yelling demanding I give her a what she said was a new mailing address because she didnt have one on file for me and wanted my Social Security number. I again politely advised her I would not be confirming or giving any details over the phone and to please send me information by mail and no longer contact me by phone. She began to yell again get extremely rude use foul language and call me out of my name rudely. I then hung up the phone. I dont know who this company is, I dont have any business with them and I will certainly not be providing any of my personal details to a company who doesnt even use a real phone number when they call.
Product: Credit card

I withdrew my points from my Wells Fargo XXXX XXXX XXXX card on XX/XX/XXXX. As of today, XX/XX/XXXX, it has been XXXX business days and I still have not received the funds in my checking account. Despite multiple inquiries, there has been no satisfactory resolution or information provided. 

XXXX XXXX from the escalations team specifically stated that she would not provide any information until the investigation was complete. This lack of transparency is frustrating, especially since on a separate call, I was informed by another Wells Fargo representative that this is a known issue. 

Wells Fargo 's failure to address this problem promptly and provide clear communication has been incredibly disappointing. As a customer, I expect better service and accountability from one of the country 's largest financial institutions. This situation has caused significant inconvenience, and I urge the CFPB to investigate Wells Fargo 's handling of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.
Product: Mortgage

In XXXX I asked for a loan modification. They asked me to submit required documents. I submitted them by email and they were acknowledged by the company as being received. In early XXXX I was notified that they were closing my case due to a failure to submit documents. I provided an email chain to the loan service supervisor he agreed it was closed improperly and had it reopened. 30 days later, in mid XXXX i was again notified it was closed for failing to supply updated documents. I again contacted a supervisor and it was reopened. In early XXXX i was informed my request was denied because I did not make enough money. I was told to make more money then reapply. 

Since that time i have fallen one month behind on the payments, I have attempted to contact them several times to review the options. Typically i am on hold for 30 to 45 minutes when the call disconnects or it is answered and then i am hung up on without ever speaking to anyone. It is apparent from the behavior of this company that i am getting the run around on loss mitigation. ( Loan modifications )
Product: Credit reporting or other personal consumer reports

This is also completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX my car was stolen and crashed. It was deemed a total loss. My insurance company at the time XXXX ; paid a full amount to Ally in what they thought the car was worth. At that time I begin my XXXX claim to pay the remaining balance. I called ally to request documents such as loan contract, loan balance, payment history, etc. An ally representative informed me that I was not to start my XXXX claim that ally would and they would have to speak with XXXX to negotiate settlement. Ally settled an entire {$500.00} less that I settled for but since XXXX already settled a certain amount with me, they honored our agreement and sent on XX/XX/XXXX the extra {$500.00} to ally. Last week XX/XX/XXXX, I contacted XXXX  and they said they were sending almost {$4000.00} ( {$3700.00} ) to be exact to cover the remaining balance of my car. On XX/XX/XXXX I  noticed that my credit bureau had not been updated and that Ally continues to report a late payment. I called Ally who informed me that the remaining balance was {$1400.00} and some change and that included interest that continued to accrue since XX/XX/XXXX even though Ally has been " helping me '' with this issue. Also, that ally reversed the {$500.00} payment that was extra and sent from XXXX. So we conference call the XXXX adjuster and what do we find that the {$500.00} check was processed from XXXX XXXX in XX/XX/XXXX. Therefore, there was no way they reversed the amount on XX/XX/XXXX. The end result of my call was that ally was going to have " someone '' call me back!! I will wait until tomorrow and at which time I will be calling ALLY back and will demand to speak to someone asap!! How are you still accruing interest on account you are actively helping settle and how do you lose {$500.00}.
Product: Credit card or prepaid card

Bank of America has an agreement with several large corporations that automatically updates your credit card number when it changes so that recurring monthly payments ( think of your XXXX subscription ) always goes through. The intent is that so when you are issued a new card, you don't miss a payment or lose service if you forget to update your card. The problem arises when your card number is stolen through a data breach and used to pay for services with one of the companies. My credit card number was used to open up multiple XXXX accounts in XX/XX/XXXX. We disputed the charges and were credited the funds as well as issued a new card number. Because of this very poor policy, Bank of America gave XXXX the new card number and we got more charges. This process repeated over the next 2 months and we are now on our 4th new credit card and neither XXXX or Bank of America seem to be able to do anything about this. It is clear from what is happening that the fraudsters have found an exploit in this policy that essentially allows them to charge an account indefinitely, regardless of the card number. This actually hurts the merchant and the bank, as I will be getting my money back, but I do estimate I have spent close to 4 hours disputing charges over the last 2 months.
Product: Mortgage

Wells Fargo used deceptive practices throughout the lending process for our home mortgage. 

1 ) They did not tell us about a necessary reserve on the mortgage until we were more than halfway through the building process. 
2 ) They did not tell us the loan rates on the HELOC would be significantly higher than the mortgage, thus causing us to pay more than we otherwise would have had this been one single loan/mortgage. 

My wife and I began building a new home with a building mid-2018. At the beginning of the process, we put money down  with the builder to begin the building process. 
The builder provided a list of recommended lenders - one of  which was Wells Fargo. 

Wells Fargo began the loan application and approval process and delayed the approval process several times. A few months into our building process ( and after we'd provided deposits for the new build ), Wells Fargo came back to us indicating that we would not only need the 20 % down payment for the loan, but would also need months worths of payments in " reserves '' at the time of closing. This was NOT discussed for the first few months - had it been, we would have sought other means to finance our home purchase. 

Wells Fargo 's solution to avoid this reserve was to provide a mortgage for part of the loan and a HELOC ( secured on the home ) for the remainder. At this point, we had no options as the house was mid-way through building and we had money down on the house with the builder. Walking away from the financing or building process would have meant losing close to {$100000.00}.