23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

WELLS FARGO business credit card Violation of the Card Act Misappropriation of payments made in excess of minimum payment required The Card Act requires issuers to apply excess part of your payment to the highest-interest balance first. 
I have SIGNIFICANTLY paid over the minimum to eliminate this balance, and I can prove that it has not reduced by much at all. 
You can get the idea in the simple notes included below : XX/XX/2018 statement XX/XX/2018 Overdraft protection for business debit card transaction. 
Protected using a cash advance applied to business credit card. 
{$1700.00} + {$68.00} fee = {$1700.00} total advance XX/XX/2018 statement shows cash advance total as {$1700.00} Min. payment due : {$92.00} Actual payment : {$110.00} Excess payment : {$27.00} XX/XX/2018 statement shows cash advance total as {$1700.00} Min. payment due : {$92.00} Actual payment : {$1500.00} Excess payment : {$1400.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( WHAT?! ) Min. payment due : {$100.00} Actual payment : {$700.00} Excess payment : {$590.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( DOUBLE WHAT?! Went up?! ) Min. payment due : {$120.00} Actual payment : {$1200.00} Excess payment : {$1000.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( DUDE, no way! ) Min. payment due : {$140.00} Actual payment : {$400.00} Excess payment : {$250.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( constant violations! ) Min. payment due : {$150.00} Actual payment : {$500.00} Excess payment : {$340.00} XX/XX/2018 statement shows cash advance total as {$1700.00} Min. payment due : {$160.00} Actual payment : {$1000.00} Excess payment : {$830.00} XX/XX/2018 statement shows cash advance total as {$1700.00} ( up AGAIN?! this is highly illegal ) Min. payment due : {$160.00} Actual payment : {$200.00} Excess payment : {$37.00} Upon multiple calls to the credit department, I've received different explanations. One manager told me that I can have excess payments ( once the minimum is met ) applied to the higher interest rate balance. I said that supposed to happen automatically. He told me to go into a branch and make a direct payment to that balance. ( But you can clearly see that I've paid in excess of what is due on the " advance '' ... but I'm charged an incredibly high interest rate for cash advances, as we all are. ) So they're not doing what's required by law ... and they're charging ME for it. 

I called back later that same night, and a different manager told me that I'd have to pay the balance off in total to remove that part of the bill. NO. No, I don't. I quoted the Card Act directly, and explained that this has been a violation perpetuated by WELLS FARGO since XX/XX/2018. ( 7 months ago! ) At this point, the credit card manager said I'd have to take this issue up directly with the WELLS FARGO customer service team, and she would file for them to call me directly with the next 2 business days. I'm still waiting for that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to withdraw the released/paid tax lien from my credit report and they refused. Although XXXX has removed it upon dispute earlier this year. Not sure about XXXX. There is no balance of {$1300.00}, as shown in the photo provided. Nor is my name listed with the XXXX XXXX XXXX XXXX as oweing a debt. That photo is also attached. The lien is impacting my ability to secure better interest rates on needed credit approvals for XXXX XXXX for needed dental procedure, auto re-financing which is currently at 17 %, and my future home purchase, as my current landlord is selling his property, and not extending my lease. That occurs in 8 weeks. Please, That 's a lot of financial obligations going on all at once. This lien impacts my future heavily, and its been paid off for 4 years. Due to these reasons provided, I would like the lien withdrawn from TranUnion and XXXX ( if it 's also listed there ) immediately. 
Regards,
Product: Credit reporting or other personal consumer reports

We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of XXXX  to the credit bureau for our XX/XX/2023 mortgage payment to Carrington Mortgage Services , LLC . 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the Carrington payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs.

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts.

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of XXXX  credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX. Name of Account : XXXX XXXX XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX XXXX  Account Number : XXXX XXXX. Name of Account : XXXX XXXX XXXX Account Number : XXXX Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX amount owed balance of {$260.00}. I want to inform you that I have never conducted any business with XXXX XXXX XXXX, and receiving this information in the mail is extremely concerning. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It is important to note that this account is only reported on XXXX and not on XXXX or Experian, which raises a significant discrepancy between the credit bureaus. This inaccurate reporting is adversely impacting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

The Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when you receive notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. It is your responsibility to cease providing inaccurate information to any CRAs and to ensure that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

I have attached documentation below that clearly shows my insurance provider during the period of XX/XX/XXXX. It is perplexing why there would be two car insurance policies associated with my name. Furthermore, I believe that the furnisher of this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as Experian as the credit bureau XXXX are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Financial Account # XXXX. All payments were made on time each and every month. 

Cashiers check in the amount of {$10000.00} was sent to Ally to pay off the car loan. It was mailed on XX/XX/XXXX. The payoff amount was good until XX/XX/XXXX. When I spoke to XXXX from Ally Bank on Friday ( XX/XX/XXXX ), he said the check was received within the payoff window and we do not owe anything additional. But he could not/would not tell me the date they received my check. XXXX XXXX said the check cleared on XX/XX/XXXX. 

The car was in the police impound lot and Ally Bank recovered it on XX/XX/XXXX before I had the opportunity. 

Phone calls have been made by Attorney XXXX XXXX to Ally to resolve this matter since at least XX/XX/XXXX. Attorney XXXX has called at least 10 times, and has been hung up on at least 3 times. Ally is asserting a balance due. Ally stated the balance due is for charges related to the repossession. 

The urgent concern is that I paid off the vehicle, and it was repossessed AFTER I paid the note in full. Therefore, if I do not receive all monies paid on the note plus attorney fees OR the vehicle with clear title plus attorney fees, I will be filing a lawsuit.
Product: Vehicle loan or lease

On Monday, XX/XX/2018 I went into XXXX  XXXX in XXXX XXXX to purchase a XXXX XXXX. Before going to the dealer I had already gotten approved for a car loan with XXXX XXXX XXXX for 60 months at 2.64 % for $ XXXX. After finalizing the price on the car and trade-in with XXXX XXXX and XXXX XXXX I was provided a credit application from the dealership through Toyota. I declined as I informed them from the beginning that I had already obtained financing through XXXX. They came back a few minutes later with the application claiming that I had to fill-it out as they legally needed to collect that information, but assured me my credit wouldn't be run ( I was still financing through XXXX ). This morning ( XXXX XXXX ) I received an alert from a credit monitoring service that two hard inquiries had been processed with XXXX XXXX and XXXX XXXX XXXX  through XXXX. I called XXXX  XXXX spoke to XXXX   who put me in touch with XXXX ( one of the finance guys ), I told XXXX how I upset I was, he told me XXXX had entered the inquiries, I told him to have XXXX XXXX call me. In the meantime I emailed the GM, XXXX XXXX outlining what took place and I've received no response as of yet. XXXX XXXX then called me back shortly thereafter and told me he was doing me a favor trying to get me a better rate. I informed him that he wasn't doing me a favor and that he had no right to run my credit. He told me that it didn't hurt my credit, which is factually inaccurate based upon my conversation with XXXX at XXXX  this morning. XXXX at the end claimed ignorance claiming he just got here and did his job. XXXX XXXX and every person I dealt with their used fraudulent inducement to get me to fill-out that application knowing all along that they were going to run my credit and try to gain the financing business. My credit has been damaged due to this fraud and they need to make restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Product: Debt collection

I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
Product: Credit reporting or other personal consumer reports

Innovis missed my XXXX XXXX XXXX and XXXX XXXX on my file!
Product: Credit reporting or other personal consumer reports

Account number XXXX with XXXX XXXX was charged off in XX/XX/year>. 

This account should no longer appear on my credit report. However, the company XXXX XXXX continues to report historic information to my credit report. 

I have attached the original document which shows this account was charged off in XXXX. The same account number is now reporting as XXXX XXXX  on my credit report. 

This historical information reporting has tremendously lowered my credit score and created a hardship for me when applying for new credit. 

The F.C.R.A holds creditors liable for {$2500.00} per unintentional violation and {$7500.00} per intentional violation. 

Dispute numerous disputes XXXX has fail to investigate and continuously allowed this company tarnish my credit report. 

I am requesting {$7500.00} for the stress and financial damages inquired due to XXXX 's negligence and failure to update my credit report properly and in a timely manner. 

I also demand XXXX to remove this account from any credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Mortgage

I called HomeLoan to check on my mortgage. It says I owe for XXXX however I thought I made XXXX payment. I asked if they could send me something showing how these payments were done. Instead the rep says I could download it. Its still unclear. Instead you get snide remarks instead of assistance. I was told that if the payments werent made theyll start the foreclosure process. All I asked was if they can look into the payments because I do see reversals and I know weve made a few payments in XXXX. One was reversed due to a bank error which we made them aware of. I want to be sure the payments were applied correctly so that I can make the proper steps. Thats my whole purpose of calling.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Money transfer, virtual currency, or money service

On   XXXX    XXXX , 2017 I made a transaction on my netspend card that did not go thru but the money was on my account in the amount of  XXXX . I contacted the company to see why the transaction did not go thru and why money was still in a pending status on my account. The rep advised me to wait 24 for the funds to be release. on  XXXX   XXXX , 2017 the funds still have not been released and the rep stated that I have to wait an additional 24 hours for me to receive my money.
This is unacceptable in my eyes, Why should I have to wait for my money. Is have been well over seven days since that transaction. My bill is late due to this hold on my funds. I am a single mother of  XXXX  living paycheck to paycheck that can not afford for my funds to be held up with no explanation.
Thank you,   XXXX   XXXX