23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After a XXXX previous investigation by CFPB XXXX FDIC XXXX XXXX XXXX XXXX XXXX XXXX Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and Equifax account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!
Product: Credit reporting or other personal consumer reports

Experian did not delete XXXX XXXX XXXX, after sending proof that these two accounts should of been deleted years ago. XXXX XXXX XXXX  finally deleted XXXX XXXX XXXX XXXX XXXX XXXX Experian did delete XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I contacted XXXX to apply for a refinance mortgage because it was advertised in TV that XXXX encouraged all veterans to apply for the XXXX loan. My husband and I are both XXXX veterans. We served during the XXXX era, and wanted to apply for the loan. I talked to XXXX XXXX, licensed XXXX specialist, and he ask me information about our condo, mortgage payments, insurance, and incomes. I provided him all the required information for the loan application. Apparently, he informed me that he needed to do a credit report in order to check whether we qualified for the XXXX loan. Unfortunately, he informed me that I did n't qualified and also denied the loan due to 150 days late with Wells Fargo mortgage loan. XX/XX/XXXX, Wells Fargo was paid off in the amount of {$290000.00}. Currently, my credit report still shows that I was 150 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Wells Fargo. I tried more than three times to contact, XXXX XXXX XXXX, Executive Resolution Specialist, and also left a complete message to contact me, but she never returned my call to discuss about the inquiry. She lied about unable to connect with me. XXXX XXXX never mentioned that I had to pay Well Fargo attorney fees which was included in the {$290000.00} that was paid in full XX/XX/XXXX. According to the email dated XX/XX/XXXX, my former broker had email me about his conversation with XXXX XXXX, that an amount owed was {$16000.00} plus attorney 's fees. Wells Fargo attorney was XXXX XXXX XXXX. We went through financial hardship due to the furlough, and it was taken to consideration. Unfortunately, Wells Fargo placed us in a much more burden when they threaten foreclosure on the XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX had to answer to the foreclosure Notice. According to XXXX XXXX, Executive Resolution Specialist, the foreclosure action reported on XX/XX/XXXX, will remain on the credit report as part of the loan history. Apparently, this will deny all my loan borrowing and disqualify us. Subsequently, my credit rating still shows a delinquent of 150 days, and is affecting my loan borrowing. In the past, Wells Fargo had harassed me at work, home, and even in emergency room. In the past, I had ask XXXX XXXX XXXX why Wells Fargo, would call my home phone number frequently dawn to all hours of the night. This is not a matter of confusion and frustration. Wells Fargo is too harsh to customers like me and in the future do not threaten, harass, or cause conflicts. 
Finally, XX/XX/XXXX, Wells Fargo had charged for bounced checks in the amount totaling {$660.00} due to systematic computer error.
Product: Debt collection

The particular VANCEHUFFMAN account recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Bank account or service

My checking account was charged multiple overdraft fees even though I never spent more than the available balance in my account. 

I never authorized Wells Fargo to overdraft my account. If the money was not available, my card should have been declined. 

Wells Fargo misrepresented the available balance in my account which caused me to spend money that should not have been there. They overstated my account balance which was a mistake or an intentional misrepresentation. 

When I attempted to spend the money that was showing up as available my card was never declined which leads me to believe that I was tricked into overdrafting my account so that the bank could collect overdraft fees. 

I have XXXX and do n't track my spending very well. I do n't write checks anymore so that I wo n't bounce them. I set my card up so that it would be declined if I do n't have money. these XXXX things keep me from overdrafting my account. I know that Wells Fargo is aware of my proclivity to overspend based on my credit history, and they took advantage of that. 

One Night my available balance was {$20.00} and the next day I got an email that my account was charged an overdraft fee. I had n't spent any money since the last time I checked my account balance, so I knew it should have been {$20.00} balance, but my balancev was negative {$210.00}. It 's got even worse after fees were added. When my direct deposit posted it brought my balance up to negative {$61.00}. I have {$1.00} in cash right now. I have no idea how I will have food or transportation to work for the next week and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX  # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.
Product: Credit card or prepaid card

I applied for a Discover card on XX/XX/2017. During the application process I was told to upload a copy of my driver license and SS card, which I did on their online portal. Then, a Discover representative called me to verify information. The application was declined. When I called into the reconsideration department I was told that they were unable to verify information I provided and the application was declined and the decision was final. If I wanted further consideration, I would need to reapply, resulting in another inquiry. 

I now have an inquiry on my credit report from Discover Card which they say they will not remove. This adversely affects my creditworthiness. 

They did not properly process my request for credit. I have a XXXX FICO score, so it is unusual that I would be declined with that score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia Motor Finance is showing I have a {$10.00} current open balance for my Kia account. However, Kia is not reporting properly on a monthly basis to XXXX. What they are reporting is a zero balance and closed account. T I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from Kia showing what is owed. Kia finally sent me the letter. 

I've spoken to 4 different Kia Motor Finance supervisors over the phone and no one could help me. I went to the Kia dealership to explain the situation to the account manager. They immediately called Kia Motor Finance- they could not rectify the problem. As of today XX/XX/22 XXXX and XXXX still show that my Kia account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.
Product: Debt collection

I was alert on my credit report that I own XXXX to credit card that I never had I phone Spring spring oak .they said I own XXXX credit card that took place in XXXX and I was report in XXXX to them I asked them to send me statements with my signature to my address next they start emailing me instead of submitting the statement all the email said was I own them and no statements or my address they claim that they are going garnishment my check but I have not gone to court and I m not aware of this .plus why wasn't I contacted back in XXXX why now .I have no money I only have money for my rent .I am not giving these ppl nothing this the XXXX
Product: Debt collection

In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX in XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from Toyota Financial for {$400.00}. I called Toyota to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that Toyota did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from Toyota ( letter attached ). I have emailed Toyota through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from Toyota or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting Toyota to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting my account as having serious and multiple delinquencies. I have NO delinquencies. NONE!
Product: Credit card or prepaid card

XXXX XXXX XXXX ( Wells Fargo ) claims " COVID '' is the reason why I had not received my statements. Last year ( 2020 ) I only received statements from XXXX - XXXX, XXXX, XXXX, XXXX, XXXX and it stopped, then got XXXX, then it stopped, then got XXXX, and again it stopped. 

I have repetitiously called and called - the Reps always says " You are not enrolled in electronic paperless. '' and " due to COVID, it is taking our customers longer than usual to receive their bill. '' In addition, been advised to log in at the website to check in case if the bill had not arrived. PROBLEM? It will NOT allow me to log in! Even after their " New System '' requiring a new password created. I already did this ; and once that is complete, it loops back to the original position and will not recognize the new password I have created. I keep getting all these WAC errors - XXXX, XXXX, XXXX, XXXX, etc etc etc. 

NOW, trying to use the FORGOT PASSWORD - they are demanding a STUPID PHONE, I do not have a Smart Phone, I have a landline telephone. ANOTHER NEW PROBLEM? I am profoundly XXXX, I can not get the automated code from some stupid computer to input My landline is a XXXX. I live alone. THIS IS FLAT OUT DISCRIMINATION TOWARDS THE XXXX XXXX AND XXXX. 

Just made a call today, and I was slammed with a LATE FEE? Really? After I had called last month after XXXX ( XX/XX/2020 ), She told me to call if I didn't get a billing statement next month ( XXXX ) after the XXXX. So I went ahead and paid blindly {$100.00} ( while my normal minimum is {$30.00} a month ), and today JUST GOT TOLD THAT THE LATE FEE WAS STILL ATTACHED. AND THE MINIMUM HAD DOUBLED? 

I have NO PROBLEMS with other bills, they are all incoming just as normal as everything else ... BUT NOOOOOOOOOO THE REP IS SO OBSESSED AND FOCUSED ON COVID CAUSING PROBLEMS. 

This is a leeching mode to try to gain more of the customer 's monies and blaming it on COVID by not sending bills via USPS for the sole purpose of collecting additional fees and charges to make up for the LOSS of their Online and Offline stores! 

I have ZERO tolerance for this type of practice. There is absolutely no excuse why they can not mail a customer 's bill via USPS. My Balance is fine, they are just sucking up " late fees '' and " jacking up minimum payments '' in an illegal tactic.
Product: Mortgage

Dear CFPB, I am writing to file an urgent complaint against my mortgage servicer, SLS Mortgage, regarding their refusal to release funds necessary for the repair of my property. My name is XXXX XXXX, and my mortgage account number with SLS Mortgage is [ Your Mortgage Account Number ]. 

On XX/XX/2022, my property suffered significant damage due to flood, resulting in an insurance loss. I promptly submitted all required documentation, including estimates and bills from the contractor responsible for repairing my home. However, despite providing all necessary information, SLS Mortgage has refused to release the funds required for the repair work. 

This situation has left me and my XXXX son in an extremely vulnerable position, facing the prospect of homelessness. Despite my numerous attempts to resolve this matter with SLS Mortgage directly, they have been unresponsive and uncooperative. 

I kindly request your urgent intervention in this matter. I urge you to investigate the actions of SLS Mortgage and ensure that they release the necessary funds to cover the repair costs as outlined in the submitted documentation. Time is of the essence, and the delay in releasing the funds is causing severe distress and hardship for my family.

I appreciate your immediate attention to this pressing issue. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification.

Thank you for your assistance
Product: Debt collection

This company reported a false debt to the credit reporting agencies thats not mine. Ive never even lived at the address thats being reported. It caused my credit score to decrease 60 points!!!
Product: Student loan

I XXXX XXXX XXXX, continue to be harassed by phone and email concerning my school loan. The call my home early in the morning and late in the evenings, repeatedly, causing me to change my number. My mother, XXXX XXXX, is being harassed also via phone and email on her job causing problems, which she plans to report to her agency 's police department. On XXXX XXXX, XXXX, I paid {$150.00} by credit card to XXXX of Navient, for a 3 month forbearance because I am having a hard time finding a full-time job and receiving public assistance for health insurance. I did n't have the {$150.00} to pay for the forbearance but Navient would only do it if I pay. The confirmation number for the transaction is XXXX. My next scheduled payment was not due until XX/XX/XXXX. I and my mother have been continuously harassed for payment since then. On XXXX XXXX, XXXX, ( XXXX XXXX est ) my mother spoke to a XXXX ( ID # XXXX ) of Navient and made him aware of my forbearance state in order to remind them and make them stop calling and emailing me. He had called my mother at work, again, that day to harass her. He said the harassment would stop but it never did. I am planning to file harassment charges with the police or other government agency if this does not stop. 

I would like for you to make them stop harassing me, clear my record in their records because I have not missed any payments, never contact my mother 's job again, and work with me to stall payments until I get a job or reduce the payments. 

PLEASE DO NOT SHARE MY EMAIL ADDRESS WITH NAVIENT.
Product: Debt collection

In XX/XX/2021 I went to XXXX XXXX XXXX room. They conducted certain tests. I subsequently received a bill for {$3900.00}. In reviewing the bill, I saw that I was charged twice for the same test ( the duplicate charge was {$610.00} ). I was at the ER for just over an hour, and knew that they hadn't performed the same test twice. I contacted XXXX XXXX to inform them of the double billing. I was given the run around -- telling me they would get back to me. When they finally got back to me the answer was that the test must of been done twice, as they never make mistakes on billings. 
They kept calling me for the full payment including the double billed amount. I finally decided I would offer to pay the bill minus the double billed amount of {$610.00}. I wrote a letter to XXXX XXXX explaining the situation and sent my check for {$3300.00}, and advised them that if this wasn't acceptable they were not authorized to cash my check. I even noted on the reverse of the check this was in full payment. XXXX XXXX accepted my check for {$3300.00}. I am now being harassed by a collection agency claiming {$610.00}.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Bank account or service

In XXXX 2013 I opened XXXX bank accounts at Wells Fargo in XXXX XXXX, Oregon -- a small business account and a personal account. Within a XXXX, Wells Fargo closed my accounts, without notice and without explanation. Eventually it took my calling Wells Fargo to find out that my accounts had been closed ; in the meantime I was unable to access my accounts, either online or at ATM machines. Wells Fargo said that additional information was required on my accounts, which I provided immediately. Wells Fargo re-opened new accounts in my name, only to close my accounts again within another week or XXXX, then to re-open my accounts, again, with new account numbers. While all this was happening, Wells Fargo continued to hold - and have the benefit of - my money. Since my accounts were so messed up by Wells Fargo, I could not setup online banking, I could not pay bills, and I never received bank statements of my accounts. In XXXX or XXXX 2013, I attempted to apply for an XXXX XXXX driver 's license ; however, since XXXX required proof of residency within the state, which may be provided by bank statements, I was unable to provide proof of residency without my bank statements from Wells Fargo. I purchased XXXX vehicles in XXXX 2013 in Oregon ; since I had no state identification from XXXX, I had to use my XXXX driver 's license as my identity -- and pay XXXX sales tax, which I would not have had to pay any sales tax at all if I had an XXXX driver 's license ID.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

I went into regions bank in XXXX Texas to open a new account and was denied based off of a system called Early warning system that gave me no reason. I called them and they are not telling me any information as to how they recieved my private source data without my consent and why are they giving out my private source date without authorization. I have never did any business with this third party and for them to be able to deny a consumer account based off of information that they wont even reveal to me
Product: Debt collection

i received a letter from a debt collection company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX Credit Card, The bank who filed the claim is Jefferson Capital Systems LLC and the original creditor is XXXX XXXX. I called XXXX and they confirmed my social security number, name and address are correct ; however the email address on file was not. XXXX rep said the account was related to charges from 2017. I have never opened a XXXX credit card so I know this is not my debt. I asked them to please report the account as fraud. The XXXX rep told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.