23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My concern is that Wells Fargo claimed that my credit card 0 % interest introductory period expired and charged me interest of {$410.00}, and Wells Fargo refused to provide first time courtesy to waive my interest charge. I would like to request a full refund of the {$410.00} interest because of a few reasons. 
XXXX. I suspected it was a scam advertisement/promotion. I clearly remembered that I applied for credit card in XX/XX/XXXX and the introductory period of credit card that I saw on the Wells Fargo website was 18 months which means the expiry date should be in XXXX but it was changed to 12 months and I have no idea about that and I don't know why. 
XXXX. It's Wells Fargo 's responsibility to remind its customers of incoming expiry date of credit card introductory period but they did not. I never received any email or notice from Wells Fargo telling me that the expiry date was approaching or passed. I would never know of the interest charge if I had not looked at the transactions. The Wells Fargo representative told me that all bank statements showed the expiry date and they were not obligated to remind customers of the information but they were. Moreover, I read the bank statement carefully and it took me more than XXXX minutes to find less than XXXX letters showing the expiry date in the multi-page statement. I don't think customers would read through the entire bank statement letter by letter each month. 
XXXX. I paid the minimum payment on time every month and I did not intentionally delay the payment. The expiry date was XX/XX/XXXX, the interest charge was charged on XX/XX/XXXX, I saw the interest charge, contacted the customer service and paid balance in full immediately on XX/XX/XXXX. It is fair and reasonable to offer a first time courtesy to waive the interest charge for a customer. 

Therefore, I requested a full refund of the interest of {$410.00} from Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT TODAY, AND XXXX SHOWS FROM THE MORTGAGE COMPANY, PHH MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE PHH UPDATE ALL CREDIT REPORTS TO REFLECT MY XXXX  PAYMENT.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a certified letter to Equifax requesting that I believe I have been a victim of Identity theft of some sort. I noticed credit inquiries on my credit report that I did not authorize. 

In my letter I included my social security number, credit report and a detailed list on the inquires that include company names and dates. Equifax did not investigate and responded stating that I did not have a credit file on XX/XX/year>. 

This is in direct violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX EXPERIAN RE : Accounts : SELF FINANCIAL/LEAD BANK XXXX IS NOT MY ACCOUNT. 
PORTFOLIO RECOV XXXX IS NOT MY ACCOUNT PROFESSIONAL DEBT XXXX IS NOT MY ACCOUNT XXXX XXXX XXXX IS NOT MY ADDRESS XXXX WHITE MAGNOLIA IS NOT MY ADDRESS XXXX XXXX IS NOT MY ADDRESS XXXX XXXX XXXX IS NOT MY ADDRESS po box XXXX IS NOT MY ADDRESS Dear EXPERIAN, I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA XXXX XXXX ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. If this issue is not resolved soon and account deleted as well as incorrect address deleted, I will be forced to sue this company for reporting false and inaccurate information. 
I am also requesting any inaccurate personal information that does not belong to me be deleted immediately! As they are not reportable as per the FCRA, since they are inaccurate. 
Please make sure my address is reported correctly as XXXX XXXX XXXX XXXX Fl XXXX. 
I look forward to a speedy resolution of this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. equifax has items on my report that they others removed but and the items that equifax did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Checking or savings account

On XX/XX/year> I checked into XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged my account {$20.00} for incidental charges. I checked out of hotel XX/XX/year>. XXXX XXXX released the {$20.00} hold that day. My bank is called Branch. This {$20.00} charge has been pending on my checking account for 2 weeks. Ive been giving 7 different lies about this charge. They keep trying to blame XXXX XXXX. XXXX XXXX has given information showing that they released the hold. And the face that Branch keeps lying with different stories and keep trying to blame XXXX XXXX concerns me.
Product: Checking or savings account

I opened an account with Regions that stated I would receive a {$200.00} bonus after meeting the requirements. Upon opening my account, I could see that the bonus was not attached. I contacted Regions, but they said nothing could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account that are reporting is : XXXX/XXXX account XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Mortgage

Mr. Cooper claims I am in bankruptcy but has revealed that it was a mistake. Someone with the same last 4 digits of their social security number is in bankruptcy and it applied to me. I have tried to get this resolved but nothing is working. 

Here is a summary of the calls I've made : XX/XX/XXXX - Discovered I was not the person that was in bankruptcy. Assured me that the issue would be resolved in 2 or 3 business days.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent opened a review.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent saw the open review and decided not to open another since it would start the process over. 


Due to this I am : 1. Not able to pay my monthly mortgage, they are not accepting payments 2. Can not log in to account on https : //www.mrcooper.com/XXXX  to see my loan details Since I can not pay will this affect my credit? Am I going to have to pay my amount due immediately when I get cleared? I am selling my house. Will this affect the process?
Product: Credit card or prepaid card

Subject : Payment Posting Company : Home Depot attach is the statement which I honored the {$25.00} due which was due XX/XX/XXXX, it was paid XX/XX/XXXX and cleared ; However when I went back on line to observe how payment was applied it wasn't applied to promotional balance ( XXXX, ends XX/XX/XXXX ) and it should have. Now, on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I made additional purchases totaling {$100.00} which will show up on next statement and per term & conditions of Home Depot you have 25 days from close of statement to pay in full and not incur any interest. When you look at my total balance on line it reflects promotional balance ( {$2100.00} ) the purchases couple with interest they have already added on from purchases ( {$100.00} ).  The purchases were made after the close of statement XX/XX/XXXX-XX/XX/XXXX. I did try calling customer service/credit dept. of Home Depot, after speaking with representative & alleged supervisor, I was unable to resolve. 

Please, I need your intervention. 

All correspondence please send to my private email address which is XXXX XXXX
Product: Mortgage

Wells Fargo has both our first mortgage and our second mortgage classified as Home Equity loans. They will not give me a reason as too why both of our loans are classified home equity loan. 
I understand the second mortgage being classified as a Home Equity loan but do not understand legally how the first mortgage can be classified as a Equity loan as well. This is a major factor in allowing for a refinance or a modification in which we are in need of and repeatedly are denied.
Product: Vehicle loan or lease

WITHOUT PREJUDICE XXXX XXXX XXXX AS STATED IN THE CONTRACT THE VEHICLE IS PLEDGED AS COLLATERAL PURSUANT TO FEDERAL RESERVE ACT SECTION16 ( 2 ) IN NO EVENT SHALL SUCH COLLATERAL SECURITY BE LESS THAN THE FEDERAL RESRVE NOTES APPLIED FOR.

IT STATES IN THE FIRST SENTENCE OF MY CONTRACT THAT " THE BUYER, MAY BUY THE VEHICLE BELOW FOR CASH OR ON CREDIT. '' WITH THE RETAIL INSTALLMENT SALE CONTRACT ALSO BEING A CONSUMER CREDIT SALE, I JUSTIFY THAT THE LOAN OR ALLEGED DEBT HAS ALREADY BEEN PREPAID.THE BANK IS THE BOROWER I AM THE CREDITOR! 

IT ALSO STATES " BY SIGNING THIS CONTRACT, YOU CHOOSE TO BUY THE VEHICLE ON CREDIT UNDER THE AGREEMENTS IN THIS CONTRACT '' ... NOT WITH CASH BUT ON CREDIT!!!! 

HERE IN MY CONTRACT IT ALSO READS " NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER '' IT STATES IN MY TILA DISCLOSURE " AMOUNT FINANCED '' THE AMOUNT OF CREDIT PROVIDED TO YOU OR ON YOUR BEHALF. XXXX THE TOTAL AMOUNT OF PAYMENTS BEING XXXX IS IN DIRECT VIOLATION OF FRA SECTION 16 ( 2 ) THE COMPANY GATEWAY FINANCIAL SOLUTIONS HAS COMMITTED MULTIPLE SECURITIES FRAUD AGAINST XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX Late payment XX/XX/2020 US Bank These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for XXXX months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help me.
Product: Credit reporting or other personal consumer reports

Someone retrieved my social sercurity number and began to use it to defraud the public and me so I have debt thats not me and used addresses that I never live and the companies will not believe me
Product: Debt collection

This item does not belong to me. This fails to comply with Fcra law
Product: Credit reporting, credit repair services, or other personal consumer reports

Invalid Regular Inquiry on Transunion Report - XXXX XXXXXXXX XXXX dated XX/XX/2022
Product: Credit card

I had a balance transfer offer taken away from me after i was promised it wouldnt. Ive contacted XXXX  chase refuses to put it back on my card even though i have proof from there own team saying it wouldnt be taken away if i replaced my card.
Product: Credit reporting or other personal consumer reports

Credit management CFBB COMPLAINTS ID FOR COMPLAINT SENT TO XXXX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX XXXX a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX not my debt nor did I sign anything with this company remove from report
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I sent {$4500.00} via Moneygram.com ( from XXXX, TN to Arizona ) for the down payment on a car I am helping my son purchase. This transaction was promptly cancelled by Moneygram. When I contacted them I was told there was " an issue '' and it was being investigated. I was then told I would receive a full refund ( XXXX + fee = {$4600.00} ) within ten business days. On more than one occasion agents told me the money had been refunded, another told me they tried to refund it but there was a restriction on my card ( my bank says No there is no restriction on this card and even if the debit card was cancelled the refund would still have been credited to my account ). Lastly, on XX/XX/2024 I was told my card way restricted and to contact my financial institution, which I did. There is no restriction. I don't know what else to do to get my money back.
Product: Mortgage

I applied for a 203k fha construction loan with Guaranteed Rate in Illinois and bought the home in XX/XX/2018. it is a construction loan so I interviewed contractors and picked one and Guaranteed Rate assured me that they would do a thorough background check before they approved him. They approved the contractor and I gave him {$20000.00} dollars of my own money to start the work. The contractor then destroyed the home and took off with my money. When I asked Guaranteed Rate how he passed the background check, they told me all they ask is for 3 reference letters!!! 
I have continually interviewed many other contractors to work on my house and now they want double the money I originally had for the construction of the home because of the mess the original contractor made there. 
Since Guaranteed Rate approved the Contractor without a proper background check, I asked Guaranteed Rate to please defer a few payments or lower my mortgage payments just until I could get a new contractor and they have continuously refused! 
I have constantly contacted Guaranteed Rate, dealing with XXXX XXXX ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. They either don't respond or tell me they will get back to me and never contact me back. I then told them that I would be making complaints with Department of Banking. Today, I find out that they have sold my mortgage to another bank called XXXX XXXX - I found out because I contacted Guaranteed Rate AGAIN and they told me they no longer had my loan. I contacted XXXX XXXX and they advised me my loan is in default because I haven't made payment which is NOT true, my mortgage is up to date!!! 
I have spoken to an attorney and he advised me that after looking at everything, Guaranteed Rate is in fact at fault! They should have done a proper background check and the HUD consultant assigned to my home should have known that the amount the contractor bid would be impossible to do that scope of work. 
This bank has ruined my life!!! I am a XXXX year old single woman who put everything I had into this home and I'm about to lose everything!
Product: Debt collection

I have had garnishments for my medical debt for approximately 3 years now. I did not know that collection center inc. was doing this until I went to try for a home loan. Apparently when my garnished amount gets to collection center inc., they apply {$1.00} to every bill we have with them. This seems very unethical because the amount I owe them never seems to decrease. I am not understanding why they do not apply the money to the lowest bill owed and move up from there so that some of the individual bills are paid off in full. The way that it is being paid now causes it to look like I pay nothing because the interest adds up more than what I have paid on each individual bill. This seems to make it look like I do not pay them at all. This issue is the only reason I was denied my home loan.
Product: Debt collection

Seeing a collection on mu credit report from " Source Receivables Management ". I don't have info on what is this debt about and how I am related to this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I reached out regarding inaccurate and unknown things on my credit report. To this day over 60days later The following Company ran multiple unrecognizable inquires. I need these removed. I will not wait another 60 days to receive no response because clearly im being ignored. I do not recall the following or giving authorization : Company : XXXX Dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a immediate removal.

My information was also impacted by the equifax data breach and may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXXXXXX XXXX breach as well as XXXX 's XXXX XXXX  breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for Wells Fargo & Company.