23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage with USBANK : paying mortgage and addition escrow and principal wouldn't show correctly and error in mortgage and bank reporting to credit agency is paid morgame or late payment show up missing payment in credit report.unpaid mortgage amount adjust with escrow and payment of extra amount doesn't change or effect in mortgage payment, it's should be less payment every each year after paying month to month payment and additional escrow.my premium has to reduce after paying all tax and home insurance XXXX and XXXX now payment missing or cash by us postal employee or stolen or bank cash check and doesn't post credit back in XXXX and XXXXpaid four check for individual principal, home insurance, p.tax, escrow they will count as is unpaid amount when split payment with 4 check, when writing business check when check book out of stock they didn't post credit in principal.principal amount has to reduce after 3 year it ; s change about thousand ... XXXX i had a about XXXX over paid in XXXX and tax was about XXXX they wouldn't refund XXXX
Product: Credit card

This complaint is about a {$1800.00} credit card transaction from XXXX/XXXX/2016, and erroneous fees and interest that were charged as a result of this transaction. Wells Fargo Card Services is incorrectly coding the transaction as a cash advance instead of as a purchase. When I first notified Wells Fargo 's dispute department in XXXX 2016, Wells Fargo indicated that they have the ability to reclassify this cash advance transaction as a purchase. As of XXXX XXXX, 2016, these erroneous charges and interest netted to {$92.00} ( {$91.00} Cash Advance Fee from XXXX/XXXX/2016, {$1.00} Minimum Interest Charge from XXXX/XXXX/2016, and erroneous {$10.00} Cash Advance Fee on XXXX/XXXX/2016, and erroneous Cash Advance Refund of {$9.00} refund on XXXX/XXXX/2016 ). The items purchased were XXXX store gift cards ( gift certificates ). In attempt to resolve this issue, I 've called Wells Fargo 's customer service, dispute department, and high dollar dispute department multiple times in XXXX 2016 and XXXX 2016 and have provided them with my customer receipt and merchant testimony that the merchant attempted to process the purchase transaction as a credit card purchase. They tried to deflect blame for this issue to the merchant, XXXX ( dba XXXX ). But it is Wells Fargo that is engaging in unlawful and unethical practices. According to California CIVIL CODE SECTION 1749.45-1749.6 ( a ) It is unlawful for any person or entity to sell a gift certificate to a purchaser that contains any of the following : ( 1 ) An expiration date. ( 2 ) A service fee, including, but not limited to, a service fee for dormancy, except as provided in subdivision ( e ). I contacted XXXX on XXXX XXXX, 2016, and was notified that " XXXX is charging the credit card as a standard charge, and the charge is passed along to the third party bank and being converted to a cash advance charge ''. As of XXXX XXXX, 2016, Wells Fargo came to the conclusion that the {$1800.00} transaction was a cash advance, and proceeded to post the {$1800.00} transaction as a cash advance, along with the disputed related interest and fees. It is unlawful for Wells Fargo to collect cash advance fees from California customers for gift certificate transactions. Furthermore, Wells Fargo has engaged in acts of false advertising by honoring Wells Fargo XXXX points on a similar {$43.00} gift card ( gift certificate ) purchase transaction on XXXX XXXX, 2016 from XXXX. I received Wells Fargo XXXX points from my XXXX XXXX, 2016 XXXX XXXX gift card purchase, and that transaction processed a purchase. I have made numerous purchases from XXXX in 2016 through other credit cards, and all of them have posted as credit card purchase transactions, with the exception of the {$1800.00} transaction. As a credit card user, I should be entitled to XXXX Wells Fargo XXXX points from the {$1800.00} gift certificate purchase on XXXX XXXX, 2016, and should not have to incur the interest or fees due to Wells Fargo 's cash advance coding.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX a credit card was opened under my name without my consent or knowledge. On XX/XX/XXXX I filed a police report and a FTC report stating that someone opened an account with the credit card company named XXXX under my name fraudulently. I first realized this amount was being charged because this person has charged that card {$13000.00} and this resulted in dropping my credit score XXXX points. I emailed the company explaining what happened because that was the only way I could reach out to them. They told me to contact the 3 credit bureaus and file a dispute so I did. They said they would get back to me in the first or second week of XX/XX/2023. Equifax said they confirmed the charges with that creditor and didnt accept my dispute. I am planning to mail the paperwork I was sent to these bureaus ( equifax and XXXX ). Whoever opened this account I am assuming got a hold of my XXXX account because I am not able to access my account the email under the account is theirs and when I try to contact XXXX I am never directed to an agent that can actually help me. They say they are going to reach out to me and never do. I am a victim of identity theft and it seems like no one from these companies are attempting to help me. I still have not heard back from the XXXX company.
Product: Consumer Loan

A long time ago I went to XXXX XXXX XXXX XXXX to buy a vehicle. I went there because I saw the price reasonable for a XXXX XXXX that was {$2500.00} if it was paid fully cash. So I gave {$1500.00} down agreeing with them that I was going to pay the rest soon. From that point, the confusion and fraud started. That day, we were talking about the vehicle, payments, etc.. they were speaking to me while handing me documents. The documents they gave me agreed with the conversation we were having. Everything that day was great, I even went home with the van and I though it concluded they way it was supposed to.. Then Westlake Financial Services called me about the vehicle, telling me that I had to pay the double of the vehicle original value. I told them to give me an explanation about what was happening but they did n't tell me much, just that the dealer sent them the purchase documents. I contacted the dealer for an explanation but they did n't help me either. Then I took all the documents they gave me and I started to review them. The documents I have are the ones with the correct prices but my signatures and initials were n't there ( I have the documents as prove ). XXXX of the mistakes is that In the dealer document it says that I gave {$500.00} down payment while Westlake document says I gave {$1500.00} ( which I gave to the dealer ). I contacted Westlake Financial and they told me that they were going to send me the documents the dealer gave them. So I received only XXXX documents that looked like mine but the information on them was totally different, and I realized that my sign and initials were there! .. So how did they do it? How is that the dealer gave me different documents and Westlake another XXXX. Did they switch it? I do n't know, but what I know is that in my hands are the documents I was supposed to have. I was trying to contact them all the time so they could help me but they did n't. I did n't know where to look for help so my only option was to pay because I needed the vehicle. I found out about this website and I decided to make a complaint because I do n't want them to get away with this. Probably those 2 companies have a business going on scamming decent people.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : TransUnion XXXX XX/XX/XXXX ; XXXX : Not Reported ; XXXX XXXX Not Reported Date of Last Activity : TransUnion XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX Not Reported Date Reported : TransUnion XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : TransUnion XXXX XX/XX/XXXX ; XXXX : Not Reported ; XXXX XXXX Not Reported Account Rating : Closed ( TransUnion, XXXX ), Paid ( XXXX XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( TransUnion, XXXX ), Open ( XXXX XXXX Payment Status : Current Creditor Remarks : Closed ( TransUnion ), Paid ( XXXX and XXXX XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by TransUnion XXXX XXXX, and XXXX XXXX The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : XXXX, XXXX, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment.

Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the corrections. 
Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I started off paying {$130.00} a month and it ballooned up to {$160.00} a month with taxes. And if it is late it goes up to {$270.00}. The Interest rate is too high at Acima overcharging people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a home and was denied due to a derogatory mark on my credit. I have never heard of XXXX Duvera, but somehow they are listed on my credit. Duvera is showing a balance of {$2500.00} and has been charged off as bad debt.
Product: Checking or savings account

TRUIST Bank Issue : I went to TRUIST BANK XXXX location today to deposit a {$3700.00} check to my fathers account who lives overseas. They told me theres a problem with his account so they couldnt deposit the check or do any type of transaction on their end since there was a problem with his account. I told them I would go to another branch to try and solve the problem, but they said they can not solve your problem either, he needs to come to the bank in person. But meanwhile they already put the deposit stamp on the back of the check. 

I went to XXXX XXXX location to explain this problem and ask for help. XXXX at XXXX XXXX location told me theres NO PROBLEM with my fathers account and she deposited the check immediately without any problems. 

I am wondering why the TRUIST bank XXXX location tellers ( two ladies ) gave me such a hard time and told me that theres a problem with the account. It was very upsetting to have to drive all the way to find another branch. I was expecting the tellers to be more professional and do a better job. 
I will also call XXXX location again ( theyre not answering the phones its only messages ) and try agaib to talk to someone and tell them about the unprofessionalism of the people who work there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX, and XXXX are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.
Product: Credit card

XXXX XXXX XXXX, I'm filing a complaint with your office. I need assistance with a bad faith policy issue by Comenity bank. This bank handles Big Lots Credit Card. I would like my XXXX returned to me. 

I set up my first payment ( XXXX ) up with my bill pay, through my bank XXXX XXXX. I accidentally filled out the name as well as the address wrong. 

I wrote the check to Big Lots not Comenity bank. As well as I put the wrong po box . I checked to see if payment was processed a few weeks later. It was not. I felt like something was wrong. I called the XXXX number. The representative said they would transfer me to a XXXX. She did not. Instead she transferred me to a person named XXXX who said he was a representing of the bank. I let him know what I think went wrong with my payment. He said the bank does not reverse any late charges. He offered me XXXX the fee back. I was perplexed as to why only XXXX, but moved on. 

XXXX told me the bank would find it and cash it. All I could think about was someone finding, and washing the check. I expressed this concern with the representative XXXX. He showed no concern, but sticking firm that its ok to just leave the check out there floating around. I let him know that I will write a new one, with all the correct information. He said dont worry about it, this wont affect your terms. I called my bank and let them know what is transpiring. The senior account representative from XXXX XXXX stated that this was terrible advise by XXXX. To just wait and see what happens, if the check is stole or maybe makes it to them some weird way. This could turn criminal if someone else gets hold of the check. 

The representative from my bank told me there was NO return check only the stop payment. So no one else with bad intentions got a hold of it. I put a stop payment on it per advise of my bank. It was making me feel so uneasy until it went through. I called back and talked to a XXXX. I explained the entire situation to her. She first, told me comenity bank does not have managers, just account representatives. She would have someone look into it.

I will provide : 1.Transaction Statement from Big lots claiming there is a return check fee. Even though there is No proof and my bank claims there is no returned check. 2.The address on my statement wh
ere to mail the check. Comenity-Biglots XXXX XXXX XXXX XXXX I actually mailed it Big Lots not Comenity Bank with XXXX XXXX XXXX not XXXX XXXX XXXX ( forgot the XXXX ) XXXX. The actual bill pay. It shows the wrong name. It also shows the stop payment. The Bank does not have the return Since it Never was returned like big lots claims.

5. The conversation with Comenity bank. Shows just a lack of companionability, and how Im just beating my head ageist the wall to deal with them.

The bank refused to do ANYTHING. Instead added a XXXX service fee on my account. They even went a step farther and suspended my account for 3 months. 

XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016, I was notified by XXXX XXXX credit monitoring that a credit application was made for a XXXX XXXX credit card using my social security number. Shortly after the first attempt, another attempt was made, this time with XXXX XXXX. I confirmed that these were fraudulent attempts, filed a police report, and submitted the requisite documentation to the credit agencies to implement a 7-year fraud alert on my account. While I was able to get both hard credit inquiries removed from my XXXX and XXXX accounts, they still remain on my Equifax report -- negatively affecting my credit score. Since the original incidence of identity theft, I have filed a total of 11 disputes with Equifax ( two examples attached ), but they still refuse to remove the hard inquiries. Despite evidence I have provided, Equifax still insists these are " a factual record '' : > > > We have reviewed the inquiry information for XXXX ( XXXX ). The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX > > > We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Product: Credit card or prepaid card

I paid bill in full to have a XXXX balance. As confirmed on the phone my balance was at XXXX. I then did not use card for several months to then find out that I had a bill due and it was all late charges. As I thought I had overlooked something I proceeded to pay the bill in full and got confirmation that my account was again at XXXX. I then recieved a bill two months later to see that they had charged interest after the fact and then since I did not pay the XXXX dollar interest they sent another late fee. I talked to comenity about this and they would only put my account to XXXX and assure me that there will be no more charges to my account. I asked for refunds of previous late charges that were charged to my account after I had paid in full, I then got sent to a super visor who heard my complaint and would not do anything to refund the previous wrongful charges after account was supposedly paid in full.
Product: Debt collection

I have disputed a collection from XXXX XXXX XXXX now several times with XXXX and they refuse to take it off my credit report even though it is a fraudulent attempt to collect a debt that is not mine. Every other credit bureau has taken it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This can not be a repossession because XXXX XXXX XXXX XXXX has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate. 
XXXX XXXX XXXX  U Account Number : XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 60 days late in XX/XX/XXXX when my XXXX XXXX shows I paid on time in XX/XX/XXXX. 
XXXX XXXX  Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.

Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2017 {$1000.00} This claim should have been paid by Florida XXXX. They should not be balance billing me.