23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My problem is with Wells Fargo Bank and started in XXXX of 2020. As I am a nurse with the XXXX XXXX, I have been busy lately. To begin, this was my fault. I missed a payment of {$40.00}. I wrote to Wells Fargo asking them to forgo the late fee. I received a letter from XXXX XXXX in the Executive office stating that if I paid the remaining amount they would forgo the late fees. I sent in a check for the amount stated the next day. I also had sent a letter to the XXXX. I have no control over the mail, where the check went or who saw the check. I received a letter stating I sent it to the wrong department but the check was deposited the same day. I have now received 7 letters and payment letters with late fees included. A letter from someone else in the executive office, a letter from the banking team. All the letters ignore or have no knowledge that I paid the loan. I seam to get a letter or payment letter every day. This has affected my credit score. I dont know how to end this. Please help me.
Product: Credit card or prepaid card

There were fraudulent charges when I last called American Express to XXXX. I contacted the fraud department last on XX/XX/XXXX. My credit card information was hacked as was my XXXX account with the credit card connected to it. Several more charges continued after XX/XX/XXXX. A separate credit card was sent to me and the fraudulent charges still followed me and negatively affected my credit score report. After the next time I called, American Express said I didnt pay the credit card membership fee and I had already paid it for the original card. It was against their policies to open a new account without my verification. Atonement still occurred. The transactions do not pertain to my diligent accounts as a cardholder as I paid off my credit card in timely matters before the fraudulent charges.
Product: Debt collection

Today XX/XX/2018 a flyer was left in my gate wich said to call this phone number- XXXX. The phone recording says is Bank of America and ask for the social security number. There are other complains about this and I think it is a scam to steal identity. My ring cameras recorded the car and the person that left the flyer I have the video.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of XXXX  I submitted a CFPB complaint against Transunion for reporting unverifiable public record information to my Transunion credit report and file. The unverifiable public record account being reported by Transunion is as listed : XXXX XXXX CT NJ XXXX Reference # - XXXX. Transunion claims that this public record being reported has permissible purpose because it was verified as accurate by reseller XXXX XXXX as of XX/XX/2022 but XXXX XXXX is saying the complete opposite. XXXX XXXX is saying that the public record is unverifiable and that XXXX XXXX has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. Transunion, claim they investigated this dispute and that it was verified as accurate by XXXX XXXX but there is no way they attempted to investigate the accuracy of the information if XXXX XXXX is saying that the information is unverifiable. If XXXX XXXX sold this information to Transunion and are now saying they can not verify the information and the XXXX XXXX  XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that Transunion has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If Transunion refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US District Court of New Jersey before a competent court of law! Transunion can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Product: Vehicle loan or lease

I did a refinance on my home for a debt consolidation. Within my debts that were paid ; Credit Acceptance was paid {$3100.00} with Check # XXXX dated XX/XX/2017. 
We had requested a payoff 3 times due to our closing date being pushed back. We obtained one for XXXX, then XXXX and finally the last one on XX/XX/XXXX17 for the {$3100.00} payoff. 
The intention of this payment was to payoff this loan. Since it was late and was short, the intention is that this payment should have been applied as a principal reduction, NOT payments. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are fraudulent accounts by XXXX XXXX XXXXXXXX - ( PARTIAL ACCOUNT NO : XXXX .... ), XXXX XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX ) and XXXX XXXX / XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, block and remove per 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with the process. I already sent letters to Bureaus to inform this issue on XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal law.
Product: Prepaid card

Would not refund or cancel my transaction after I informed them that the recipient couldn't access his account
Product: Credit reporting or other personal consumer reports

This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented. 
1. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees.

2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.
Product: Credit card or prepaid card

My privacy is continuously being violated by Chase XXXX credit card advertisement. I have not granted consent for chase bank to soft pull from any credit reporting agencies to send advertisements to solicit my business. 

Chase denied my application ( collateral ) for the credit credit. However my application was submitted to the Federal Reserve for payment but I received no compensation, nor was my application returned to me. 

My consumer rights were violated with the denial because I can not be denied for exercising my rights as a natural person. Which is discrimination and discouragement per the EOCA. I was denied based off someone's opinion. There is no where in the law that says you make the decision off of information from a credit reporting agency. In fact congress does not back anything from the credit reporting agencies. 


Chase Bank is in violation of the EOCA ; this denial has caused me harm, discouragement and it's discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting by TransUnion and XXXX for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXXXXXX credit card account, [ account number : XXXX ], as reflected in my TransUnion and XXXX XXXX reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : TransUnion and XXXX Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : TransUnion and XXXX are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE 1 ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both TransUnion and XXXX have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act. 

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both XXXX and TransUnion, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines. 

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off. 

My Attempts to Resolve the Issue : I have contacted XXXX XXXX regarding the incorrect information, but they refused to correct the issue. 
I have submitted multiple disputes to both XXXX and TransUnion, requesting them to verify and correct the reporting errors. However, they have failed to fix the problem and have not responded to my requests for details regarding their investigative process, further violating their obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX  dismissed Reference # : XXXX
Product: Debt collection

I saw a collection account on my credit from Absolute Resolutions. I don't know where this debt came from. It is XXXX. 
I sent a validation request to this agency many times and they won't send me anything. This is wrong and against the Law Please help me with this matter
Product: Debt collection

I have no knowledge of this debt. This is a fraudulent account. My personal information has been leaked multiple times and someone has fraudulently used my name and social security number. I have not received any documents from this creditor. 

Reported : XX/XX/XXXX Williams & Fudge INC {$2400.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two items on my credit report that does not belong to me and I have repeatedly contacted Experian about this issue. The pending issues are incorrect name and incorrect address. 
1. I have never been known as XXXX XXXX. 
2. I have never lived in XXXX, CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX.
Product: Mortgage

I have learned that Faye Servicing is the new loan Servicer.. Initially, XXXX XXXX owned the note, then XXXX, then XXXX   XXXX.XXXX  XXXX. I also learned a new group, XXXX XXXX, purchased the loan. Faye Servicing had been sending time sensitive and financially sensitive mortgage related documents to the main building address of where my I live, and not to my personal residence. This means that the property manager or someone else has been receiving very sensitive financial information regarding my loan. This action was intentional. 
In XX/XX/2018, I sent a Validation of Debt request to Fay Servicing.  I including my mailing address, which the previous note holder, XXXX XXXX, used and is in public record. I also included my condo unit number.physical address in my Validation of Debt request. 
On XXXX  XXXX, I received a written response from Faye Servicing which was dated XX/XX/2018. Faye 's response refers to my physical address as the main building address ( there are approximately 250 units in the building ). The " Prior Servicer Account History '' which Faye sent me only includes the XXXX XXXX payment history that is illegible and impossible to authenticate. The font is exceedingly tiny, and I can only identify the " XXXX XXXX '' emblem '' on the paper. Fay Servicing failed to provide the payment history for the years when XXXX XXXX and XXXX owned the note. They failed to remove negative amortization debt that has been added to the loan balance, or address other charges and fees that have been assigned to this loan balance. 

In summary, Fay Servicing has denied my request for a validation of debt and supporting documentation. They sent me a one page letter, which reads in part, " Please be advised that Fay will not provide any information or documentation considered confidential or proprietary, or that is not in our possession. '' Presumably, Fay Servicing has mailed mortgage and other pre-foreclosure related documentation, including my mortgage account number, to the general building address and not to my personal residence. Private mortgage financial documents, including the account number, have been directed to the onsite Property Manager and/or Homeowners Association. I believe these were acts of Willful Negligence. The " General Building Address '' repeatedly appears on the Fay Servicing documents, including when referencing my account number.

Consumer Law requires a debt collector to validate the debt ; Fay Servicing is dismissing themselves of this requirement by stating they " do not have certain documents in their possession ''. 

A " Fair Debt Collection Practices Act Validation Notice '' dated XX/XX/2018, which was included in Fay Servicing response to me, includes line items such as Current Unpaid Escrow Balance : {$0.00}. Current Unpaid Accrued Interest : {$0.00} Partial Payment not yet Applied : {$0.00}. Late Charges : {$0.00}. Fay Servicing and XXXX fail to state the total amount due.
Product: Credit reporting or other personal consumer reports

someone stole my identity and used my information to open up accounts. i contacted the bureaus and i did what they told me to do but they still havent removed the accounts
Product: Vehicle loan or lease

On XX/XX/XXXX, I responded to an advertisement on XXXX XXXX from AutoPay to refinance my vehicle at 3.52 % for a 60-month term. The ad suggested that I would see my available rates upon completion of a short application. However, upon completion, I received no rates. Eventually, I received several emails congratulating me on my approval. However, no rates were provided. 

It's important to note that this application resulted in a hard hit against my credit report causing a small drop in my overall FICO score. 

On Saturday, XX/XX/XXXX, I received a text message ( uploaded ) from an associate of AutoPay informing me that they could not beat my current 4.87 % loan and suggested I needed to change the terms of the loan or remove someone from my loan. I assumed he meant my wife. 

Today, XX/XX/XXXX, I received a text stating that removing my wife would not improve the rate and, in fact, rates had gone up. However, when reviewing XXXX XXXX, they are still promoting the same 3.52 % rate ( image included ). 

This entire experience feels like a classic bait and switch and is very misleading.