23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed 2 previous complaints, the last one was XXXX. The name of your agency is CONSUMER Financial Protection Bureau. I don't understand why you accept any answer from Wells Fargo, then close the case. They didn't answer my question last time, they simply resent a bunch of paperwork that they did the time before, so it looks like they are responding. My question is exactly the same as the last complaint. 

I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {XXXX} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court. 

I'm not sure what value this XXXXureau is if you aren't listening to the CONSUMER!
Product: Bank account or service

I opened a checking account with BMO Harris Bank, which came with a {$200.00} bonus offer to be paid within approximately 120 days of account opening. It has been over 120 days since I opened my account, and I have fulfilled all the terms of the offer, but have not yet received my bonus. I contacted customer service, and they said that they were unable to see the status of the bonus, but that their marketing team was running 2-3 weeks behind schedule. However, it has already been more than 3 weeks since my account was open for 120 days, so even according to their delayed time frame, I should have received my bonus by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against Experian CreditWorks Dear XXXX, I am writing to file a complaint against Experian CreditWorks, as I have been unable to resolve an issue with their customer support despite repeated attempts. My concern revolves around an unexplained XXXX drop in my credit score, which occurred with no identifiable changes to my credit report. 

I have contacted Experian 's customer support numerous times, seeking an explanation or investigation into the cause of this sudden drop. However, their responses have been unhelpful, dismissive, and have not addressed the core issue. I have repeatedly requested to be connected with a human representative who could assist in investigating the matter, but Experian has failed to provide any viable contact options for such support. 

Throughout my communication with Experian, I have emphasized the importance of understanding the reason behind the significant change in my credit score, as it directly impacts my financial well-being. Despite my efforts, I have not received any meaningful assistance, nor have they forwarded my concerns to a team or department capable of addressing my issue. 

To provide further context, I have attached screenshots from the Experian website that show the drop in my credit score. These screenshots also demonstrate that there are no other changes to my credit report, such as new credit or closed accounts, that would account for this decline. The last late payment on my report was over four years ago, and all other factors contributing to my score are in the " very good '' or " exceptional '' categories. 

Given the lack of support and the nature of my concern, I am left with no choice but to file a complaint under the Fair Credit Reporting Act ( FCRA ). I believe Experian 's failure to adequately address my issue and investigate the unexplained drop in my XXXX XXXX is a violation of my rights as a consumer. 

In light of this complaint, I respectfully request the following actions : - A thorough investigation into the cause of the XXXX drop in my credit score. 
- A detailed explanation of any factors contributing to the change in my XXXXredit score.

- Confirmation of the accuracy and validity of the information used to calculate my credit score. 
- Any necessary corrections or updates to my credit report and score, should inaccuracies be identified during the investigation. 
- I appreciate the Consumer Financial Protection Bureau 's attention to this matter and look forward to a fair resolution. Please find attached copies of my correspondence with Experian, as well as the aforementioned screenshots, for your reference. 

Sincerely, XXXX XXXX Attachments : Correspondence with Experian CreditWorks Support ( Emails ), Experian Website Screenshots
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Santander Consumer USA was the bank I had when I had a card note for a XXXX XXXX XXXX. They stated on my credit report that I was 30 days late even though I made a payment for the car that month I dont have the exact date on hand but as soon as you send his report out, they will know exactly what youre referring to on my credit report that car is now paid full. When I called the credit bureau XXXX XXXX they told me it was reported in XXXX that is affecting my credit score and I need that to be removed immediately, I was always on time and always made sure my bills were paid and proof is the car is paid in full.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1000.00} XXXX {$0.00} XXXX XXXX {$370.00} XXXX {$0.00} XXXX XXXX {$860.00} XXXX {$1300.00} XXXX XXXX {$11000.00} XXXX {$230.00} XXXX XXXX {$12000.00} XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXXXXXX {$560.00} XXXX  XXXX {$630.00} XXXX XXXXXXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company inquired my credit report without my authorization on XX/XX/XXXX and XX/XX/XXXX of 2022. I called them on XX/XX/2022 and after a long wait on the phone where I complained about them pulling my credit without my consent the agent on the line cut the call claiming he could not hear me. I bet he could hear me he just did not want to address the issue. I sent a letter on XX/XX/XXXX asking for the consent or have my inquiry removed. They have not replied to me. And after this bad initial impression on the phone, I feel like they will also ignore my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Mortgage

I was in a modification process & Wellsfargo bank purposely delayed the process of my loan modification and never got in contact with my lawyer office on any issues and never communicated with my bankruptcy lawyer. To make it more complicated they switched home Presavation specialist every month or so ... So I would get lost in the process & they also took me out of the loan modification process so they can quickly close my case and take the house
Product: Debt collection

I have a charged off debt that has been sent to Bonneville Collections. Due to some discrepancies between what the agent said, and what I saw on my credit report, I requested a call back to be scheduled for next week so I would have time to investigate the debt with the original creditor. The agent from Bonneville Collections warned that they would not schedule a call back, but rather that I would need to call back in myself because the account was going to be sent to their legal department today or tomorrow due to the length that they have had the account, and so calling back in a week would be too late to do anything. This threat of legal action infringes on my rights. Additionally, the agent would not give detailed information regarding the debt beyond the name of the original creditor and the total balance. 

In summary : My net impression of the conversation with Bonneville Collections was that I had an outstanding debt which was sold to them. They wanted a payment plan to be set at the time of the call. or else it was going to be sent to their legal department either the day of the call, or the day after, with no time alloted to investigate the debt discrepancies. They are threatening legal action on a debt I disagree with due to details on my credit report and would not provide information on their end to help me to verify the debt. I refuse to blindly pay a debt after discussing vague details on XXXX phone call, and certainly do not wish to have legal action threatened to manipulate me into doing so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I value your help too Remove a portion of the data in my credit file that came about because of fraud yet I have items passed on that should be taken out or removed Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance {$7000.00} XXXX XXXX LL XXXX Balance Owed : {$870.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$750.00} XXXX XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} - tied up XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Experian, send me the method of verification as well as court copy of this bankruptcy. they refuse to reinvestigate this bankruptcy date and amount
Product: Credit reporting or other personal consumer reports

Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Mortgage

Made a payment and they say they do n't have it. I had my bank send them proof, but they charged me a late fee and still say they do n't have it. My loan was sold to this company in XX/XX/XXXX and we have had problems ever since. I have made numerous calls and never get anywhere. I mailed my XX/XX/XXXX payment and called the day before it was due just to make sure they had my payment. They said no, so I did a stop payment on my check and did a check by phone with them for a XXXX fee. The next day, they tried to cash my check. I am sure they had it all along. For my XX/XX/XXXX payment I did an EFT payment through my bank because I was afraid to mail it after the XX/XX/XXXX mess. Now they say they do not accept EFT payments, but the XXXX XXXX servicing center took my money and still has it. What am I supposed to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this account. This account is reporting inaccurate information which is highly damaging me as a consumer. I NEVER LATE PAYING ON THIS ACCOUNT! This is incorrect reporting!
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unverifiable information on my credit report pursuant to 15 U.S.C. XXXXi and to request that this information be immediately removed. I have previously contacted the credit reporting agencies regarding this matter, yet the disputed accounts remain on my report without proper verification. 

Under 15 U.S.C. XXXXi, credit reporting agencies are required to conduct a thorough investigation within XXXX days and remove any inaccurate, outdated, or unverified accounts. The following accounts contain errors and should be removed XXXX  -Personal loan companies- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 I called GLA collections about a {$320.00} debt I had the lady told me it was deleted when she realized that she had lied to me and it was still on my credit asked to speak to a supervisor and she had hung up very quickly on me turn around and I called and left a message on XX/XX/2021 I never received a call backI called XX/XX/2021 and spoke to a supervisor he was very rude said there was no documentation of the phone call I told him that the lady must have altered it to cover her own XXXX and he said maybe then when I called him on saying that he tried to re-cant the statement and say he never said that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX  XXXX  XXXX, 11 XXXX  XXXX  XXXX, 11 XXXX XXXX, 14 XXXX  XXXX  XXXX  I, DEPT OF ED/XXXX, DEPT OF EDUCATION/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 Company Inquiries : 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

I used to live with my sister in XXXX, and we agreed to have the cable company under my name which is call XXXX, but apparently she stoled my information to put the light under my name too and i wasnt aware of it. I just lived in XXXX with her for a year. I notice that i had this dept from XXXX XXXX after it was already in collection because i wasnt aware of this. She never told me anything.
Product: Consumer Loan

In XX/XX/XXXX, I entered into a lease agreement for a 2014 Chevy Equinox. The sales tax, among other fees were rolled into the lease agreement. In XX/XX/XXXX, I moved to Massachusetts from NY, the state I leased the vehicle in. Ally, the lender, sent me a statement saying that my monthly payment is going up because of the MA sales tax. I called Ally and spoke to someone that was in a foreign country that had no idea of what she was talking about. She was reading from a script and not answering the questions I was asking her, nor was she addressing or responding to what I was saying with any coherence. I told her that the sales tax was rolled into the payment and that it is listed in the lease agreement. She said she would have to check with the taxation department at Ally. I told her to call me back when she found out. Over a week has passed and no one has contacted me. I have since spoken with the original car dealership and they again confirmed that the tax was rolled into the monthly payments. I 've tried reaching out to Ally multiple times and each time I 'm met with incompetent people that barely speak English and who get beligerent when I ask to speak to someone in the United States and bury me on hold for over 30 minutes to speak to a supervisor, as was the case today. They do n't do what you ask and have terrible attitudes. However incompetent customer service there is, my main complaint is that they are trying to rob me. The additional monthly charge is not valid and no one there is available or willing to speak to me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters purchased a debt from the original debt holder ( acct # XXXX ) for {$2200.00}. I was sent an offer to settle the debt for {$680.00} if paid by XX/XX/21. On XX/XX/21 I paid the debt for {$680.00} and was given a confirmation number of XXXX accepting the payment plan. I then received a payment schedule confirm number of XXXX. The collection agency will not show the debt as settled on my credit report. All they have done is reduced the original debt amount by the payment and continues to show on my credit report as a collection. I would like them to honor the settle agreement they sent me and show the collection was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account in my name was referred to a 3rd party collection agency. I presented the company with a police report, and a FTC complaint, and now I'm filing a report with the CFPB because it has yet to be handled. 
I advised the address they have on file is not an address I'm familiar with. I provided a copy of my License as well, and I still got no response. 
.