23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is responsible for the servicing of my mortgage loan, but they are failing miserably. I can not imagine how they are able to remain in business after all the shenanigans they have done. They are purposely keeping me from obtaining mortgage assistance, so that they can take my home away and make themselves richer. They will not have any constructive discussions with me and it appears that they will soon put my home into foreclosure. I have lived there for over 50 years and want to spend the rest of my life there. They have never provided me with assistance and when I tried working with them they keep asking for the same documents over and over again. I am not a deadbeat, but fell into financial trouble when I lost my father, two sisters and my daughter to XXXX. This set me behind on my payments and I should have gotten some help from Wells Fargo, but they have been incompetent in their efforts to help me. This has gone on for years and I need some help dealing with them. Since they have not helped me, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road. I keep having to deal with a new person every time I call in and it gets frustrating because I dont think Wells Fargo has a cohesive process to help homeowners. Isnt it their business to professionally handle loans? I bet if this was a new loan they would have had this completed within a month. I am certain that they are dragging their feet because I have equity in my home that they want to capture. How can Wells Fargo still be in business after all I have read about them? Please shut them down! I hope your agency can go after them on my behalf and get them to correct my loan issues.
Product: Checking or savings account

XX/XX/XXXX I made an over payment to progressing of a XXXX. I called XXXX  in the XXXX and they told me my monies were sent back to chime. I have not received any monies,,, and chime is continuing saying its being disputed if the merchant always sent it to chime it shouldnt take 3 weeks.. and my monies should be in my account
Product: Credit card or prepaid card

I was charged for an XXXX purchase on XX/XX/2020 for a camera that I did not purchase. The amount was for {$400.00}. I went through all the fraud claim steps and have been denied both times. The credit card company XXXX Bank of America XXXX is claiming that the item was delivered to me and it never was. A person named XXXX XXXX is the client advocate from Bank of America who has been assigned to my case and gave me the alleged USPS tracking number. I called the XXXX MA XXXX XXXX and spoke with a woman there named XXXX who is the head cashier. She looked into the USPS computer system and that tracking number does not exist. This is the whole basis for their denial of my claim. XXXX XXXX wanted me to make a claim with the XXXX police department which I have done and faxed it to him. I can not make a claim with the USPS because the tracking number doesnt exist. Its been over twXXXX weeks since I have done these things that they wanted me to do to help settle this claim. I have not heard back from these people whatsoever. They do not answer their phones, they do not call back, and this is the worst customer service and bank Ive ever dealt with. I have the proof that I did not make this fraud purchase yet, Bank of America is doing nothing. My internet system was hacked into and I have proof of that as well. Im about to take this matter to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I am utilizing for monitoring suspicious activity on my name going on since XXXX XXXX XXXX Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was last informed on XX/XX/2023 by phone to dispute these items with creditors to resolve and update whats on my credit report. There are two fraudulent acts taking place on my account. Someone tried to open up an account for the purpose of sporting goods. Where my name wasnt used but, my social security and date of birth was but, when life lock reached out to the company who, would have provided the credit. The Comenity Capital BankXXXX XXXX XXXX XXXX was unable to review the account information due to the name not being the same but, it was reported to the credit bureaus behind my social security number. My social security number seems to be on the XXXX market and someone is impersonating me with my email address beginning in my name XXXX. The sole purpose for the life lock with XXXX is so, when anything is going on under my identity there company is able to see it sooner and work with me timely to avoid this situation because its affecting me from receiving housing, employment and its a problem.
Product: Credit reporting or other personal consumer reports

so I received on my credit report from LVNV funding LLC a report stating that I owe XXXX XXXXXXXX on an account that was never mine. I do have a XXXX XXXXXXXX account and like I stated to them meaning LVNV that theres no way that I can have 2 XXXX XXXX account and they didnt wan na hear it. Ive been to court for it. I met with one of their attorneys and they still told me that I had to speak with them. Ive tried to speak with them. Theyre not listening. They just saying its my debt and its not I have had an issue with some identity theft and I explain to them that I reported it on my credit to all three credit bureaus and they still have not removed it. I do have a XXXX XXXX account that is in good standing and I know because Ive asked would they allow me to have two accounts if one is not good and they told me no so something is different in their information they got that first XXXX XXXX account that definitely does not match up to me. I would like this to be removed off of my credit. Thank you in a decease and desist letter go out to them. They have tried to garnish my wages and just causing problems on something that I know for a fact I did not open I did open my other XXXX  XXXX account that again is in good standing.
Product: Credit card or prepaid card

I payed in full. Then I received a bill for additional fees which I payed in full. Now I received and interest fee on a XXXX Balance.
Product: Vehicle loan or lease

Every month we paid on time and before the due date by cashier check since their online payment methods would triple charge our account and never reflect a payment. We took checks from the bank and mailed them to Santander and they would always be reported back as cashed and claimed but were never reflected on our account. After many calls they finally reflected the first XXXX that were sent but claimed they never got any of the others even when the bank traced them down to being cashed in by their company. After failing to show that we did pay and omitting that they took our money they reposted the vehicle and sold it to settle the balance due. Though they never reflected the sold value on our account either and still are trying to claim the full amount against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX On XX/XX/18 I sent a certified letter to XXXX XXXX  requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my TransUnion and XXXX   report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. TransUnion and XXXX  are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance my home loan with XXXX Bank in XXXX. They outsource credit checking to Equifax. 

Equifax incorrectly entered my name on the credit report combining my name with my wife 's! I logged an initial request to have this rectified on the XXXX XXXX. Received an email from them on the XXXX XXXX asking for a 21 day extension. Called them on the XXXX XXXX and below is what transpired. 

Call Number 1 - Discuss contents of email with the first call centre representative. They don't know what the problem is and state they can only email the team responsible so have no further details. I ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes and then disconnect me. No call-back from anyone - they have my number why not call back? 

Call Number 2 - I call back, speak to another call centre representative, explain the situation again and ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes this time they don't disconnect me they put me through to a survey asking for my feedback. Survey - I complete survey providing lowest scores possible. 

Just to be clear this is the worst customer service experience I have ever encountered. If this is indicative of Equifax 's overall operations then they should immediately cease business as no stakeholders could have any confidence in the reliability of the services they provide!
Product: Student loan

For 2 months I have gotten harassing emails stating there is a balance on my account when in fact I'm paid up and and head of schedule. When the first appeared I called customer service to ask about it and the representative could not say why and said a supervisor would get back to me. No one ever did. 

When the second arrived earlier this week I emailed instead to have something in writing and I was told I get the notice because the balance is there but not due. That does not make sense at all. Why all of sudden is a notification being sent that specifically says there is a balance? Of course this is alarming to anyone who takes their financial security seriously. I pay my bills on time and have from day XXXX. I do not understand this intimidation tactic. 

Additionally, they refuse to give details as to why I am ineligible for an interest rate reduction when I have a spotless payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Previous promises by the credit agency to remove these did not occur. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Product: Credit card

I was notified by an alert to my phone from XXXX XXXX on XX/XX/XXXX an account was opened in my name with a charge in the amount of {$350.00}. I immediately called the company listed ( Barclay ) that was listed and was told there would be an investigation. Barclay sent a letter XX/XX/XXXX after the investigation stating myself or someone authorized opened the account and I will be liable. I called XXXX XXXX  with the results of the investigation and was told to file a police report XX/XX/XXXX, identity theft report with FTC XX/XX/XXXX and report to all 3 credit bureaus. I notified Barclay on XX/XX/XXXX of my actions and was told they would make a report and for me to mail or fax copies of my filings.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Under 15 USC CODE 1681S-2 and 15 USC CODE1666b this is a clear violation of inaccurate reporting. After reaching out to the creditors, I was advised to contact the CRA to have the collection and charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection and charge off in questions did not belong to me.
Product: Checking or savings account

I placed an order on XXXX, in XX/XX/2020. The purchase was made using my card connected to my Charles Schwab card ending in XXXX. I do not remember the exact amount of the purchase, but it was around {$1300.00}. I never received the device that I had purchased, and open the dispute with Charles Schwab. The dispute was resolved in my favor, and I received a credit for about {$1300.00}. After, I continued with Charles Schwab for a few more months before eventually closing my account. Sometime after the account was closed, Charles Schwab reversed the dispute without merit, causing the closed account to incur a negative balance of about {$1300.00} plus additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my report I have consistently tried to fix on several different occasions. There is one with XXXX and also one with XXXX XXXX credit card. I have gone in to both locations, showed my ID, I have spoken to managers, I have disputed online, and NOTHING has been fixed or done. Both of these accounts are large amounts, and I don't know where they came from. The XXXX XXXX account the person was actually paying on! Then all of a sudden they went AWOL and stopped. The XXXX account hasn't been paid at all from the time they opened the account. I have been fighting these for years. At this point I don't know what to do anymore. I just want my account fixed. XXXX XXXX also tried on 2 different occasions to submit their wrong doing, but it has yet to be fixed as well by creditors. I had a deferred payment XX/XX/2019 where I submitted all my paperwork on time, and their finance dept didn't submit it on their end. It's in the notes with XXXX they submitted on their behalf to fix the problem, but the creditors keep denying it.
Product: Mortgage

SunTrust mortgage had given me a negative credit report. They have contacted the credit bureau 's and reported late payments that are not true. Most of the report states unknown on receiving payment on time. I have complained to them that my payment is due on XX/XX/XXXX, but not late until XX/XX/XXXX. This is a VA loan and this is how it reads on paper. They still continue to call me to inform me my payment is late and it is not XX/XX/XXXX yet.
Product: Student loan

COLLECTION NOTICE SENT TO MY DECEASED MOTHER IN LAW WHO,PASSED AWAY 12 YEARS AGO,THEN FORWARDED TO MY UNCLE WHO  WAS THE EXECUTOR OF HER WILL, HE IN TURN GAVE THE NOTICES TO US (PARENTS).NOW OUR ENTIRE FAMILY KNOWS OF THE DEBT. THIS COLLECTOR , XXXX( HIS NAME AT THE LTD AGENCY HAS BEEN TOLD SEVERAL TIMES THAT MY MOTHER IN LAW HAD DIED, YET SENDS TWO NOTICES TO HER . MY PRIVACY HAS BEEN INVADED, NOW I AM APPALLED THAT MY UNCLE  AND HIS FAMILY AND XXXX KNOWS WHO ELSE KNOW ABOUT THIS DEBT.PERHAPS IF XXXX WAS WILLING TO WORK WITH STUDENTS ,THEY (XXXX) WOULD NOT HAVE SO MANY ACCOUNTS IN COLLECTIONS. XXXX NEEDS A COURSE ON PRIVACY LAWS & REGULATIONS. WE HAVE CONTACTED AN ATTORNEY AS WE ARE SICK AS XXXX OVER THESE RIDICULOUS NOTICES ,AND THE FACT THE REST OF OUR FAMILY KNOWS ARE PERSONAL BUSINESS !! PLUS MY HUSBAND IS RECOVERING FROM A XXXX ACCIDENT AND DOES NOT NEED THIS ADDITIONAL STRESS .THANK YOU XXXX YOU XXXX, MERRY CHRISTMAS TO YOU!!
Product: Credit reporting or other personal consumer reports

Greetings, I called XXXX to make payment arrangements on or about XX/XX/XXXX stating that I would pay on XX/XX/XXXX as I had lost my employment and has recently obtained new employment and was waiting for a check in the mail. On XX/XX/XXXX XXXX erroneously and illegally reported a late on my credit file. Right after this reporting by XXXX, my credit dropped drastically by XXXX points. I have had good credit and this one erroneous and illegal incident by XXXX made my credit dropped drastically damaging and negatively effecting my credit file. Note that, I actually paid this bill on XX/XX/XXXX a day prior to the arrangement. 

This has caused me a great deal of emotional distress and hardship as, to reiterate I had good credit and an excellent payment history with XXXX. This is also causing great deal of emotional distress and hardship, because I am currently looking to move to downsize and this will have a negative impact on my securing a new residence.

I am looking to get this immediately removed and I am contacted all of the credit agencies.

I am also looking into why would my credit fico drop so drastically just by one credit card company reporting a late. 





Sincerely, XXXX XXXX XXXX. 

Ref : XXXX
Product: Checking or savings account

Capital One bank not allowing direct deposit or any transactions on my personal account for 3 days and is on going.
Product: Credit reporting or other personal consumer reports

I contacted the company a few months back and they wanted me to pay to price my identity which I refused to do. I then filed with the XXXX  because they have one of my names wrong. My legal nabe is not XXXX XXXX. Its never been used that way and this leads companies to be able to use that name to put collections on my credit report that do not belong to me. They just did this and Im trying to buy a house and the loan fell through because they let a collection agency put a delinquent account on my report thats not mine. My legal name is XXXX XXXX XXXX. Ive never home by XXXX XXXX. Thats not even me!
Product: Student loan

I completed grad school in XX/XX/XXXX. A previous student loan was in deferrment while I was in school and I requested the deferrment continue for the first six months after school. I recently started getting collection calls from Navient for my approximately {$10000.00} loan. They say I was supposed to start paying back the loan in XXXX when I finished school. They informed me that the loan was due immediately because I had dropped out of school. This is not true, I graduated from school. 

In the fall of XX/XX/XXXX, I consolidated all of my Federal student loans and lowered the interest rate to 3.25 %. My student loan through Navient is 6.25 % interest with a variable rate and the payments are very high for such a small loan. I requested the opportunity refinance at a lower fixed rate and they have told me that they do not refinance and I am stuck with the loan as-is. I need help lowering my interest rate and getting it fixed.
Product: Credit reporting or other personal consumer reports

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

There are multiple version of my name that is not legal me! I go ONLY by XXXX XXXX XXXX. This is a complete violation and inaccurate reporting and need this fixed asap!
Product: Credit card or prepaid card

I tried using my Barclay credit card on XX/XX/20 for a purchase online which was denied. I checked my online account to see that the credit card was closed XX/XX/20 due to inactivity. I called Barclay 's customer service on XX/XX/20 to inquire about reopening the account. I was on hold for 2.5 hours before I could speak to a service representative. When I explained the situation, the rep said the card/account can only be reopened if it has been less than a week ( 5 business days ) and since it's been more than a week she couldn't reopen. I explained that if the account was closed on XX/XX/20 and I'm calling on XX/XX/20 to reopen that only 6 days have passed ( 4 business days ). She replied with saying there's nothing she can do since 24-48 hours have to pass once an account is closed before she's able to reopen. I was very confused at this point since well over 24-48 hours have passed and that was different than her first response. When I asked her to clarify the situation since her responses weren't making sense, she hung up while I was mid sentence and the issue was not resolved. Now I have to wait another 2.5 hours just for the same thing to potentially happen and I'll miss the window to reopen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in several letters stating inquiries are Unauthorized. 
These are the following inquiries that are unauthorized : XXXX XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  investors XXXX XXXX XXXX XXXX