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

Wells Fargo claims that I have a late payment when all of my payments were automatic withdrawals. The very last payment was a payoff of the entire loan in full. However Wells Fargo contest that there was a late payment when there was actually a pay off. 



This information does not show on any of my credit bureau listings and files however when I have applied for credit or a loan this is white the denial letter says from these individual loan products or credit products.
Product: Student loan

I had not made a payment since XX/XX/XXXX per all XXXX major Credit Reports. I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX and was discharged on XXXX XXXX, XXXX. The Loan to Learn private student loans were discharged in the bankruptcy ( Loan to Learn never brought an adversary proceeding ) and during the entire time I was in a bankruptcy stay, they kept reporting 120+ days late and attempted to inappropriately collect through law suits in Wisconsin Circuit Court. I have filed multiple disputes with credit agencies and Loan to Learn keeps verifying the debt and re-aging it. The date of first delinquency is XXXX XXXX according to all XXXX credit reports yet Loan to Learn has reset it to XX/XX/XXXX. I am approaching the 7 year exclusion period XX/XX/XXXX yet the debts wo n't be excluded from my report until XXXX XXXX because it was inappropriately re-aged. Also, this is a discharged in Chapter XXXX bankruptcy debt and does n't follow federal student loan guidelines because it is a private loan. I wa n't these XXXX trade lines excluded XX/XX/XXXX or sooner based on the original and correct date of first delinquency.
Product: Credit card or prepaid card

This complaint pertains to XXXX XXXX 's Visa Card program. I received an email stated I would be automatically enrolled in e-statements on XX/XX/XXXX. I would have to go out of my way, log in, and opt out in order to continue receiving paper statements. I was asked when I opened my account, if I wanted to enroll in e-statements or not and I said no then. I think it is ridiculous that I now have to go in and opt out of something that I already told the company I do not want to enroll in. The CFPB 's official interpretation of 1026.5 ( a ) ( 1 ) ( ii ) ( A ) states that only disclosures that need not be provided in writing can be provided in electronic form or if THE CONSUMER requests the service in electronic form. Periodic statements ( XXXX ) don't even fall into disclosures that need not be provided in writing and would therefore require my consent BEFORE providing me with e-statements.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : GEORGIA XXXX XXXX XXXX
Product: Credit reporting

I have an item that should have been removed from my credit report. All other credit reporting agencies removed the item after investigating. Equifax did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Equifax reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items. 

Equifax is unresponsive, difficult to get in touch with and only concerned with " Selling '' you a credit report or their online services. 

I need help getting this resolved. I have no confidence in Equifax to resolve this.
Product: Mortgage

My Name is XXXX XXXX I Am XXXX 's XXXX XXXX Husband She is the owner of the home at XXXX XXXX XXXX I am not on the escrow papers referring to the property located at XXXX XXXX XXXX as Mr.XXXX has stated, When we started this Loan process in XXXX of 2019 well before the COVID - 19 Epidemic the interest rate was 3.75 % when we were to set up for the Escrow in XX/XX/2019 the interest rate went up to 4.25 % I asked him why didn't he lock it in when it was 3.75 % Mr.XXXX said he thought the rates were going to go down the rate went up now six months later we are set for escrow at 4,0 % and My wife XXXX and I said we were going to put me on the Title Mr.XXXX said we had to wait until escrow to do so We decided to have only my wife on Escrow and we waited again now Mr.XXXX contacts us and told us that the escrow had to be set back because I was on escrow? we rewrote the paperwork as requested in XX/XX/2019 ( my thoughts are that Mr.XXXX was looking at the old documents that were changed at his request ) just as Mr.XXXX  did when he sent us the wrong completion docs a week ago. they had to re-due the Home appraisal we had to re-submit proof of work we had to re-submit our credit history Mr.XXXX  made promises that he never keep he stated to us that the Loan would only take up to 4 Months but now we are in our 6th Month ready to go into our 7th Month He keeps sending us the wrong Documents He signed us up on Docu sign and said he did it because we wanted it I have several E ; Mails to Mr.XXXX telling him we did not trust Docu sign, This loan is becoming a problem causing stress in our family and unnecessary conflict in a family that is not accustom to such things like this, I have told Mr.XXXX this problem needs to be fixed ASAP this has taken over 6 tormenting Months and we have still not closed this loan. this should not have taken place this is far beyond what it should have taken considering the fact that our Home is in excellent condition the equity is substantial three times the debt, we live in a stable community, We have an exemplary Credit history over 700, along with a good debt to income ratio. There should not have been anything to cause us suffering, We have received the wrong documents several times we have received documents that can not be opened several times, we have received E : Mails with no DocuSign attachments that have requested us to open the DocuSign, Doc that did not exist several times, promises were made and broken, the interest was changed and lost, we were left with Documents to review and sign without any interpretation or representation, Dates were set and changed on multiple occasions, we constantly have trouble communicating with Mr.XXXX, He does not answer calls He seldomly answer E : Mails with an answer to our questions what should not have happened happened. 

I tould Mr.XXXX  these problems need stop. Fix this or I will do what ever is needed to be done to fix it. 
Mr. XXXX XXXX our patience is wearing thin. 

Mr.XXXX  Response to our complaint is another E : Mail stating there is another delay in the escrow due to me being on the escrow? the date has been re-set again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

remove/block this fraud XXXX XXXX account, also past statue of limitation, and the account has an address registered thats not my address
Product: Checking or savings account

I was notified by a government agency that interfaces with financial institutions or any other entity that uses your SSN to make sure that your are n't hiding money or assets for government programs. It was brought to my attention on XXXX/XXXX/XXXX by the government agency that it uncovered two Wells Fargo accounts, a checking and savings account. They gave me the account numbers and told me that the accounts both had a {$0.00} balance and the last statement was XXXX/XXXX/XXXX that also showed a {$0.00} balance. I called Wells Fargo and inquired about these accounts and told they were both opened on the same day, but closed on different days, but opening and closing days seemed to fall on the last day of the month I noticed. I was told I went into a branch and opened up this account with {$100.00} and there had been activity on the account ( s ) bringing it to the {$0.00} balance. Wells Fargo could n't give me any information about what identifying factors per the Patriot Act were used to open up these fake account, I asked in what state was the drivers license issued - could n't disclose it, asked what other pieces of identification were used to open this fake account - would n't and could n't tell me, but yet they, Wells Fargo will ask for your SSN to uncover these fake accounts that were opened and closed within a matter of months, but wo n't give you any information about " your '' fake account with your information. 

1. I used to work for the insurance division of Wells Fargo when it started off as XXXX. 
2. I NEVER went into this Wells Fargo branch in Texas at XXXX XXXX XXXX in XXXX, Texas to open up any account whatsoever with any money. I do n't know where this location is, did n't live by it and there was no reason for me to drive that far when there was one near my home. I was and still am on a fixed income now and did n't have the money to open the account. 
3. When I did have Wells Fargo products way back when and after I worked for them after they laid off employees, I went through a divorce, filed for bankruptcy and my Wells Fargo credit card was included in that Chapter XXXX filing, so why would Wells Fargo be willing to open up a checking/savings account in my name after they took a loss due to my bankruptcy? 
4. Wells Fargo created these fake accounts and suppressed account statements from being generated so their victims would n't receive statements because it would alert them as to why are they, or why am I receiving a statement from Wells Fargo when I do n't have one.
5. I do n't use banks, I strictly used credit unions and I have several of them and my Social Security XXXX Income has always been direct deposited into the # XXXX XXXX XXXX, XXXX XXXX XXXX during the time you fraudulently opened up these fake accounts with money that was n't mine. 

I am embarrassed that I was ever employed by XXXXWells Fargo!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose XXXX XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX/ Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.

Ipreviously disputed this account. Ido n't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}.

Ipreviously disputed this account. Ido n't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 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. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.
Product: Student loan

I am trying to qualify for the PSLF in the XXXX. Per student aid.gov in order to qualify and have your payments count. You must work for a qualifying employer. Which I have. You must either work full-time or 30 hours a week or more which ever is greater to count towards the PSLF. I worked aXXXX XXXX XXXX from XXXX through XXXX. I worked 52 hours a week. According to student aid.gov I worked over 30 hours a week for a qualifying employer so these payment should count towards XXXX  and XXXX. Fed Loan I have talked to on several occasions as well as XXXX. My employer XXXX XXXX hired me a XXXX XXXX  but again I worked 52 hours a week for five years. Im a XXXX XXXX. This qualifies to have those payments count. Fed Loan is telling me because my employer marked part time it doesnt count. According to the law and the regulations you either work full-time or greater than 30 hours a week which ever is greater counts. No one is helping me. I went on the student aid.gov website apply to be reconsidered and they close my case and said it was a duplicate. I dont know what to do anymore. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Product: Debt collection

My wife and I have been getting phone calls from XXXX. The caller says that they are a debt collector and want to verify that I am who they are trying to contact by giving them my SSAN. 

I did a reverse phone look-up on XXXX and the owner 's name is not available. So, I called XXXX and the answering machine claims I was call the Van Ru debt collection agency. 

Someone came on the line and wanted me to verify my name and phone number before he would tell me why I was calling. I asked if he had caller I.D . and he said yes. So, I told he knows who is calling him and I want to know why they were calling us. He said that he could not provide that information unless I gave him my social security number. 

So, I hung up and called the New Hampshire Attorney General 's Office who asked me to call the FTC at XXXX. I did and am filing a complaint. 

The New Hampshire Attorney General 's Office said that the Van Ru phone calls are a scam and that they are phishing for data. 

Here 's the kicker - I do n't owe anybody anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}
Product: Debt collection

To whom it may concern : Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX.

The following company does not have a surety bond on file with the XXXX of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail ( received by them on XXXX XX/XX/2019 ) that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

IC Systems XXXX XXXX XXXX XXXX XXXX, MN. XXXX Should further information regarding this issue be required, please let me know.
Product: Checking or savings account

My account had " pending '' transactions. I made a deposit to cover. Credits are supposed to post before debits. This has happened before and PNC bank has always refunded the fee. This time I call and spoke with XXXX her team lead is XXXX XXXX and their manager is XXXX XXXX. No one above XXXX were available to speak. I took photos of my account to show the pending status of the credit and debits. I was charged XXXX. <P/>Another problem is that I am a XXXX XXXX As such, it is known for corporate governance purposes Public Companies are required to have a line of communication to the executive office to make complaints. Well PNC cancelled this telephone number.
Product: Credit card

Got a Chase Freedom FLEX credit card in my name XXXX ending XXXX, with expiry XX/XX/XXXX. 
Called the company on XX/XX/XXXX and informed, got this card, as I was not expecting or I didn't authorize to issue this card. They transferred to their fraud dept, and who informed this will be closed, and a letter communication will be sent to me to this effect. They also said, they can put a fraud alert, and asked me to put a fraud alert on any one of the three credit reporting agencies. 
I did that with XXXX, today, XX/XX/XXXX. 
Surprised to see why Chase Freedom FLEX issuing Credit cards without my application or authorizarion.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION: 

NAMES: XXXX XXXX XXXX XXXX XXXX

ADDRESSSESXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
ACCOUNTSXXXX XXXX XXXX XXXX XXXX (BALANCED UPDATED XXXX XXXX XXXX XXXX Repossession XXXX XXXX XXXX XXXX  OPEN XXXX XXXX XXXX (BALANCE UPDATED XXXX XXXX XXXX) 12 LATE PAYMENTS CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE UPDATED XXXX XXXX XXXX) Repossession AND XXXX  POTENTIALLY NEGATIVE MONTHXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original balance XXXX  Paid collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased a total of XXXX cars through XXXX XXXX  and I've maintained an impeccable repayment history. In XXXX XXXX XXXX  I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it. 

I received a notification in XX/XX/2023 that XXXX XXXX was closing all XXXX of their locations until further notice immediately. I received a notice from XXXX XXXX XXXX that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. XXXX XXXX  has XXXX information to offer concerning XXXX XXXX. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach XXXX XXXX at this point. They literally informed their inter office staff to complete what they were working on and leave the building.

There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if XXXX XXXX  can't get their required tags, how will I get my title?
Product: Debt collection

NOTICE of Racketeering activities and unlawful deceptive business practices.