23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from XXXX XXXX XXXX, XXXX collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very XXXX about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

Kindly check the following accounts 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: Credit reporting, credit repair services, or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 56 inquiries on my credit report and have no idea where they came from???!!! I want them removed. Thank you
Product: Mortgage

My husband has already tried dealing with Wells Fargo ( WF ), but they would n't respond to him since he 's not on the mortgage currently. He already filed a complaint through cfpb, and WF has n't resolved our issue. Background : immediately after purchasing our home we contacted WF about removing PMI from our mortgage because we immediatly had XXXX of equity, therefore not needing PMI due to our loan to value ratio. My husband spoke to WF agents on the phone, and confirmed that we could do this, we just needed to pay for an appraisal. WF sent us a letter at one point ( attached ) showing options for removing PMI, and we went over these options over the phone with a WF agent, and the agent agreed that we are allowed to have PMI removed. After having an appraisal done, which confirmed we have adequate loan to value, WF responded and said that we do n't qualify to have PMI removed. WF did acknowledge their " mistake '' and they did refund us our appraisal fee. They have refused to remove PMI from our mortgage as previously promised. We believe WF has broken federal law in their lies to us during this process. We request WF to remove PMI like they originally promised, and to refund us the PMI fees we have continued to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged a late charge. I had no idea anything was late and was not contacted. I contacted XXXX and they agreed to waive but instead marked my account past 30 days for a late fee. I have disputed this several times and it is still there marked past 30 days on XX/XX/2017.
Product: Student loan

I asked XXXX Mohela to defer my student loan payments for three months as a hardship in repaying my loans. Note my monthly payments are {$1300.00} per month. My husband is not working and has XXXX and we are now in the mist of mounting medical debt. I asked XXXX to defer just so that I can his doctors the {$6000.00} owed. Instead XXXX said no and raised my fix rate from 5.99 % to 6.79 %. I think this is unethical and outrageous. The FED gov is forgiving tens of thousand in student loan debt, you would like these private companies would do something similar or work with the consumer. Please investigate and I am hoping there is something that can be done. 

Thank you.
Product: Student loan

ignoring complaints, giving inaccurate information, incorrectly processing payments and steering borrowers to higher-cost repayment plans.
Product: Credit reporting

XX/XX/2010 we had to short sale our house due to medical issues and financial distress. We had a XXXX and XXXX mortgage. The terms of the short sale ( and what is reflected on our Final Closing Statement ) was that our XXXX mortgage holder, XXXX, agreed to a total loan pay off of {$550000.00} and the XXXX mortgage holder, XXXX XXXX XXXX now XXXX XXXX agreed to close the short sale with a total pay off of {$22000.00}. XXXX agreed only to give XXXX XXXX {$2000.00} from the sale of the house to Discharge the mortgage and my husband and I had to put in another {$20000.00} for it to close. 
XXXX XXXX ( XXXX ) never took the overdue balance off of our credit report ( which shows as {$44000.00} ). Recently we refinanced our new home and had to get proof from XXXX that the account is in fact closed and that our final payment of {$22000.00} constituted a settlement-in-full of that account. 
I would like to have our accounts updated to show that there is no balance due and the account was paid as agreed on our Short Sale Closing Statement. I have attached documentation as needed. 
The account holder as shown on the letter is my husband, XXXX XXXX and our former address was XXXX XXXX, XXXX, CA XXXX. The account number with XXXX ( XXXX ) is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I maiiled a notification to XXXX XXXX XXXX requesting that they remove an account that is not mine from my Equifax and XXXX report.as it is hurting my credit and preventing me from work opportunities. I explained that I do not and have never had an account with them and that I do not have an agreement or contract with them or their creditor and requested a copy of the original contract.with my signature at the address listed on their posted collection on my credit report. They did not respond or send me a contract with my signature.
Product: Mortgage

Wells Fargo is foreclosing on my home. They refuse to return calls, when I am trying to ask what my options are. They never sent me anything but acceleration letters. I 've reached out to their " executive group '' time and time again. Noone returns calls, no one sends out acknowledgement letters, or letters period. I am XXXX, I have my XXXX mother living with me, my son and his children. Please help!
Product: Mortgage

My mortgage company receives {$1000.00} every month from the XXXX  for my account. I paid down my escrow shortfall earlier this year in one lump sum and that lowered my monthly payment to {$1000.00}. Last month they applied the {$1.00} difference to my escrow. This month they did not apply it anywhere. I called multiple times and it was confirmed that they did receive the full {$1000.00} on the XXXX of XXXX after being erroneously told that the XXXX sent hem a lower amount this month. I also confirmed with the XXXX  directly that the amount they sent did not change. I was then assured that it was applied to either principal or escrow and that it would take a few days to show up on my end. Well that never happened and when I called and investigated further, I was told that it was not applied but placed in a XXXX  bucket and that they would put in a request that it be either applied to principal or escrow. That has still not occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to credit pull from Global Lending Services
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXUrgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. 


I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFITS FROM THESE TRANSACTION.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wells fargo has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a wells fargo insurance services account and a credit card thats now on my XXXX credit report, wells farco open up checking savings accounts in XXXX aftet i came back XXXX XXXX and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by wells fargo, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, wells fargo is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of wells fargo, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my XXXX credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now Wells Fargo needs to settle and resolve this before I file this law suite against Wells Fargo. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by Wells Fargo XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. XXXX XXXX  is still illegally reporting to Equifax a debt they can not verify. Equifax themselves said they do not keep records, so how can equifax keep reporting this account?
Product: Credit reporting

I have attempted to get this inaccurate judgment removed from my Equifax and XXXX credit reports for months. They keep referring me back to the courthouse and when I contact the courthouse, they are indicating that they did not report nor do they do any reporting to the credit bureaus, so they ca n't help me. 

The staff at the courthouse also provided the above information in writing. After submitting it to XXXX and Equifax, they still refuse to remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by TransUnion are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : XXXXonduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i. 
Remove the inaccurate late payments for the months listed above from my credit report. 
Update my account history to accurately reflect my timely payments. 
Attachments A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a Debit card for the " first time '' from Money Network Cardholder Services on XX/XX/2020 with only a {$16.00} credit balance instead of the {$2400.00} stimulus money that was issued to me by the Federal Government. 

I contacted Money Network Cardholder Services ( Card issued by XXXX ) to complain that I only was provided with {$16.00} instead of {$2400.00}. I received a break down from Money Network Cardholder Services showing usage on an account between XX/XX/2020 and XX/XX/2020. I did not have a debit card in my possession during the month of XX/XX/2020. The first time I received a debit card was on XX/XX/2020. None of the debits made in XX/XX/2020 were debits made by me. I am not sure if XXXX has provided me with a breakdown for someone else 's card or if a card was sent to me prior to XX/XX/2020 and the charges made in XX/XX/2020 are unauthorized/fraudulent transactions. 

My complaint/dispute has been ignored. It will be almost one ( 1 ) year and I have still not been provided with the {$2400.00} in stimulus money allocated to me.
Product: Vehicle loan or lease

I had a car financed by Wells Fargo Auto since XX/XX/XXXX. Unfortunately in XX/XX/XXXX I was involved in a car accident, I WAS NOT THE PARTY AT FAULT, and my vehicle was declared total lost. At that point the insurance company contacted Wells Fargo to get payoff amount and was working on sending the check. I contacted Wells Fargo the first week of XXXX because the status of the account was frozen and it wasnt letting me pay my monthly payment online. I was told by the agent that I had to wait until the settlement check was cleared in order to make further payments if needed. Check cleared on XX/XX/XXXX for a total of XXXX, leaving a balance of XXXX I submitted the next payment in XXXX, and now they are reporting on my credit that I did not submit a payment for XXXX. First of all, I did try and I didnt have the option online or over the phone due to the status they out after behind notified of the accident. Second, when I called the representative told me to wait for the check from insurance company. Third, they did receive the check in XXXX. So I would like to know how come they do not have all these phone conversations on record so they can confirm what the representative said, and why are they reporting the month of XX/XX/XXXX as NO PAYMENT on my credit score. I have never ever made a late payment before. So unethical, unprofessional and poor customer service.
Product: Checking or savings account

At XXXX XXXX  XX/XX/2021. My account was {$.00} positive. XXXX XXXX  I'm but with a {$34.00} fee after ssa funds deposited. For a charge which processes overnight. Please help. Chase not seeing the error is partial there's
Product: Debt collection

I let Santander know that I never got a car with their company. This is an allegedly debt. I didnt even possess a drivers license when they reported that this alleged debt was created. How can you finance a car without a drivers license. This is sad an a extreme case of identity theft. They sold the debt to XXXX capital. XXXX XXXX says I dont owe them because I let them know that this was identity theft. Santander still tells me that even though they sold it we not attempting to collecting but until we receive payment well continue to report delinquency. So its reporting on my consumer report as a repossession and charge offs every month. Ridiculous
Product: Credit card or prepaid card

Purchased some items from XXXX on XX/XX/22 with my apple. I returned the items on XX/XX/22 to XXXX  with the shipping label they provided. I was told and given email confirmation on XX/XX/22 that my refund was successfully processed but never recieved it. I opened a dispute with the apple card gave them the shipping label, drop off reciecpt, chat with XXXX  support and refund confirmation email of XXXX. They still won't reopen the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2010 Balance : XXXX XXXXLate/Open Late DateXXXX
Product: Credit reporting or other personal consumer reports

I was denied credit ( loan ) through XXXX XXXX, who used credit reports from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXX XXXX 
this is a violation as a consumer.