23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe Wells Fargo intentionally limits the functionality of their website from processing recurring payments. The ability to establish reoccurring payments on their website has been glitch ridden by limiting dates you can establish payments to process. 

I thought I properly established a reoccurring payment on the wellsfargo.com website only to find a late payment letter in the mail some 42 days after I missed my first payment. They have charged me a late fee and no doubt will report me to the credit bureaus thus adversely affecting my credit score. 

I quickly logged onto the wellsfargo.com website to pay the late payment and tried to process a second payment to pay the second month 's late payment only to be denied ( they claim I can not make two payments on the same day ). 

I believe these to be predatory practices to deceive borrowers from the ability to pay their mortgages on time. It's not hard for this bank to correct these errors on their website, however, they have no incentive to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX  was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help
Product: Credit card or prepaid card

Chase bank has been reporting credit card ending in XXXX to XXXX, XXXX, XXXX, and XXXX without notifying them of disputes I submitted on XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

A credit report XXXX  shows a a collections account with IC Systems for {$1600.00}. When I called them I was told it was a XXXX XXXX account in XXXX XXXX. 
The XXXX  report says the account was opened XX/XX/2020 with an account # XXXX. 
I have not lived or done business in LA and have not visited in over 10 years. The name on the account did not accurately match mine and the address is one that is not associated with my name in any way. 
I was part of the XXXX breach and have had considerable problems with ID theft since then and have had a credit freeze and monitoring in place. 
I never received a bill, invoice, or collection notice at my legal address. 
I am not personally responsible for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX as I was checking out my Experian credit report I notice several inquires on my credit report that I did not authorized. Below are documention of inquries in question. 

1. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX 2.XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX 3.XXXXXXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX  Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 5.XXXX XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 6.XXXX XXXXXXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal XXXX XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 7XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers XXXX Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Bank account or service

When calling to find out when monthly fees occurred, since I 'll be closing my account and canceled my direct deposit, I was suggested to go to the grocery store and make XXXX separate purchases. Even if I were to do this for one month, how would I be saving? 

While trying to expedite a payment with XXXX, they needed confirmation from Wells Fargo that I had the funds for the payment. They brought Wells Fargo in on the line and customer service asked a couple questions to verify me. " What was my full social security number and my login username for online banking ''. Keep in mind there is a 3rd party rep from XXXX on the line still. She told me that she would not be able to help me if I did n't give that information up. After confirming my identity, she was about to give the XXXX rep my totals in my bank account. All he asked was " Does he have $ XXXX available in his account? '' I had to stop her and ask her to just answer his question and that he does n't need to know my totals.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the wrong hands.
Product: Payday loan

I have ask Ad Astra Recovery Account XXXX on a number of occasion to validate this debt they have not. This account was included bankruptcy on XX/XX/2014Ad Astra Recovery is reporting to XXXX every month late payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible, thank you.
Product: Credit card or prepaid card

I was charged for a subscription when I thought I was making a one time purchase of an item. Subsequently, I was charged 6 times each month on XX/XX/2019 and for each month thereafter. I was never notified of the charges and they kept accumulating until I just noticed today. I never authorized these charges. I used to service one timely, because it was inaudible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

i request a debt vaildation from this company with no response i sent certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Debt collection

DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Recovery is trying to collect this debt it does not belong to me.
Product: Debt collection

Some time barred out dated debt is falsely re-reporting on my credit profile. I do not have a contract with such collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( current collection handled by Suttell & Hammer ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. XXXX account ending in : XXXX, Account starting with : XXXX, Balance : {$2000.00}. I have mailed a copy of my official identity theft police report to XXXX three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to Suttell & Hammer, their debt collector attorney. XXXX is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. 

I also filed a dispute with XXXX  for illegal credit reporting and collection attempts, and notified XXXX and their collector Suttell & Hammer that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX XXXX XXXX incident # : XXXX ) once again, with this XXXX  dispute. If this is not fixed by XXXX immediately, I will be pursuing legal action against XXXX as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.
Product: Debt collection

the two debt listed by commonwealth finance are  incorrect, they reopened old bill, & the hospital they are collecting for was given my insurance info i had XXXX XXXX XXXX though medicaid office from XXXX up to XX/XX/XXXX, then moved to pa and have been cover under medicaid since XX/XX/XXXX ... my contact number XXXX
Product: Mortgage

Thr issue is the 3 times in the past 4 months I have attempted to get them to pay the escrow refund dune from my account. They are holding it and claiming to have issued a refund for the amount. It has never arrived. They promised it within 10 business days each time and it has never arrived. I recieved my normal monthly correspondence from them today so I know the mail is working properly meaning the company, freedom mortgage, has been stalling the past 4 months.
Product: Debt collection

I never had a contractual relationship with Midland Credit Management. I believe the original creditor, XXXX XXXX, sold my account without providing proper notification. This is a clear violation of FCRA 611 regarding the reporting of inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX
Product: Checking or savings account

I have had an ongoing issue with Wells Fargo and closing my account. I have companies that debit my account for bill payments every month. I attempted to contact certain merchants/creditors to stop debiting my Wells Fargo accounts. I was beginning to overdraw my account. I asked wells Fargo to close the account around XX/XX/XXXX. They said it had to be at XXXX and no pending charges. I go control back inXX/XX/XXXX, but XXXX the same thing started happening but this time Wells Fargo never responded to any of my messages but one. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted them to close the account. I have paid over 600 dollars in overdraft fees. I am sick of them giving me stupid policy answers. I worked for three banks in a span of 13 years. Wells Fargo 's business practices are unethical and harm the client. There was a period of about 3 or 4 days where there were no pending charges and the account was XXXX. I send messages on XX/XX/XXXX to close the account. They did nothing. I have asked them repeatedly to do this. This account was opened online and will be closed online. I do not have a relationship with any servicing branch. I want my fees returned to me in the form of a cashiers check so that I can have my money and to bill me for the remaining amount and close the account to all debit posting. They know what to do but refuse to do it because they are greedy. If there is no resolution by the end of the week and I do not care that it is XXXX, I will continue to escalate this to my attorney. I am done with you people at Wells Fargo. Give me my money back! All of it! Or pay another class action because I see this as a huge problem.
Product: Checking or savings account

I closed my account with Ally Bank on XX/XX/XXXX XXXX. I have called them repeatedly am am told they are having technical difficulties and do not know when they will send my money. I was even asked if I needed my money at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My Credit Card/Credit Line Debt balance is showing incorrect.. 
Also, the late payments are inaccurate for XXXX XXXX for XXXX, XXXX XXXX Mortgage for XXXX, XXXX XXXX XXXX ( XXXX ) There are other discrepancies also, but this is a good starting point.. 
I have excellent payment history yet not getting approved due to the low score Experian keeps showing..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, XXXX, & Transunion regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I got scammed for {$300.00} ( was not autherized ) on XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX through my Cashapp. Contacted support through chat many times ( which is extremely difficult, look at the time stamps of the screen shots ). I called them after a few failed attempts though the chat bubble, explained that {$300.00} with XXXX XXXX XXXX is fraud and I need it investigated/refunded. Girl on the phone sounded legit and gave me case # XXXX. But I looked today and it says refund declined ... {$300.00} really isnt quite my worry as much as holding Cashapp responsible at this point.
Product: Vehicle loan or lease

I am writing to formally file a complaint against Toyota Financial Services regarding their refusal to provide adequate payment extensions for my car loan. 

I have been experiencing significant difficulties due to personal health challenges, which have temporarily prevented me from returning to work. I reached out to Toyota Financial Services on multiple occasions to request payment extensions to help me manage my financial situation while I recover.

Initially, they granted me two months of payment extension. However, I still was not in a condition to return to work at the end of that period. When I called them again to request an additional extension, they refused, despite my explanation of my ongoing challenges and need for time to recover properly. 

I made several attempts to explain my circumstances and requested their assistance to avoid financial hardship and protect my vehicle from repossession. However, they have consistently denied my requests. Recently, I was informed that they have initiated the process of repossessing my car. 

I believe this decision is unreasonable and lacks consideration of my efforts to communicate and seek a solution in good faith. Losing my vehicle would severely impact my ability to regain stability, including the ability to return to work once my health improves. 

I am seeking your assistance to address this matter and urge Toyota Financial Services to reconsider their decision and provide me with the additional time needed to recover and resume my payments. I would greatly appreciate any support or intervention you can provide to help resolve this issue.
Product: Student loan

I went to XXXX  XXXX University and have a small loan that is dealt with by XXXX  XXXX XXXX. I paid off the loan early - I believe my final payment was mid XXXX. I paid the balance on the loan per what XXXX had on their website. I logged on to the same website about a week later and saw I had overpaid by a little over {$9.00}. I had not received any further information from XXXX so I called them on XX/XX/XXXX regarding the refund. They advised that I had overpaid but they couldn't refund me anything under {$25.00}. 
XXXX  submitted a request to XXXX for a refund of the {$9.00}. Today ( XX/XX/XXXX ) XXXX  informed me XXXX is refusing to refund me the money I overpaid. I have contacted the XXXX financial office with no reply. I believe they should refund me my money since this appears to be an error with XXXX. Again I paid the balance of my loan per what their website said I owed the day I paid off the loan yet they've advised me I somehow overpaid. If their balance was correct then I wouldn't have overpaid.
Product: Debt collection

My mother applied for an apartment with XXXX XXXX XXXX XXXX XX/XX/2016. I was still in school and unemployed and did have a valid XXXX ID. I was suppose to be on the lease as an occupant. Every notice that was sent out was addressed to my mom only. She went to court for an eviction and the judgement was issued to her only. I went to apply for an apartment and was turned down due to the XXXX XXXX XXXX is showing on my credit. I never applied for the apartment, and was listed on the lease incorrectly.I have reached out and disputed the report several times. The amount listed is {$2200.00}. I have filed a police report and the credit reporting agency refuses to remove it off me when it is solely my moms account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There should only be XXXX name appearing on my credit report : XXXX XXXX XXXX. There is also an existing inaccurate account on my credit report that should be removed. On or around XX/XX/XXXX, XXXX recorded a phone call stating that XXXX XXXX did not provide an authorized written contract with my authentic signature. XXXX XXXX  XXXX OF FL is still reporting an alleged account as " bad debt ''. This banking institution has not provided sufficient and certified evidence that this account was authorized by me. This banking institution has been reporting this bad information since XX/XX/XXXX. It is beyond the statute of limitations for a debt collector to report an alleged debt. I am pursuing legal action against the definition and old information.
Product: Credit reporting or other personal consumer reports

Equifax was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfered to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Equifax admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXXXXXX. They refused to investigate that file for 2 years even while being requested to do so