23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a customer of XXXX credit card by Wells Fargo. I use this card to pay my rent every month. On the month of XXXX, I was charged interest fees and late fees at the end of the month, despite requesting to enable AutoPay. I contacted Wells Fargo about this issue, and while they acknowledge that they received my request to enable AutoPay and did not enable it regardless, they do not help with reversing the interest rates and late fees. I have also attempted to call them multiple times, and they do not return my calls. I even went to a local branch to speak to a banker, and there are none available that can help with the XXXX credit card. I am charged a few hundred dollars in interest fees and late fees, and furthermore my credit score has been taking a hit because of this current situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and XXXX  ( some ) but not Experian even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. Experian is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. Experian continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my Experian credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.
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. 


Account Name XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX pa XXXX Email XXXX Account 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding The deletion of this account listed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account XXXX, XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

I have been putting money in a self lender installment account for the past sixteen months I wished to close my account and the amount for payout is XXXX dollars they are only allowing me to get XXXX dollars back because they say it is going towards their closed credit card I never agreed or authorized this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Due to my illness and death of my spouse I had fallen behind on my mortgage payment. I sought assistance from my local Legal Aid Society with funds to assist with the past due balance. The funds covered my payments for XX/XX/year> through XX/XX/year>. The bank confirmed with Legal Aid on XX/XX/XXXX that they were in receipt of the funds. I planned to resume on time payment starting XX/XX/year>. I received a notice from the bank that funds were received on XX/XX/XXXX but not applied to my mortgage because the amount was not the full amount due. The bank confirmed receipt of funds XX/XX/XXXX with Legal Aid not XX/XX/XXXX as quoted to me in writing. I also received a letter from a foreclosure collector that I could no longer speak with the bank and that I would have to pay extra fees within 10 days to reinstate my mortgage. Further told that every 10 days the amount would increase. I don't have over XXXX to add at such short notice to save my home. I have been in my home XXXX plus years.
Product: Credit reporting

Credit agencies XXXX Equifax , XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX to monitor my credit and on XX/XX/23 i received an alert about a new account that is not mine, and that I did not open. The company is Comenity Capital/Ikea XXXX They opened in XX/XX/23 and have charged {$8100.00} on it. I filed a dispute with XXXX and after disputing with you will also file a dispute with XXXX and XXXX. I'm not sure what other information you need so please let me know. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage Corporation took over our home loan in XXXX. Zero issues what so ever payments where made on time. For the first four months my father would call in his payments and they would take them and process them with no issues and my father has even added additional funds for the principal every month. Let 's fast forward to the first incident in XX/XX/XXXX my father called in his payment as he always did got his confirmation number and went about his day. Right away at the end of XXXX I had people coming to the home taking pictures asking if anyone was living in the home. Puzzled and confused we call XXXX and they said no payment had been made for the month so they just wanted to verify someone was living in the home. On the phone I mentioned the confirmation number they took it but said nothing existed. After making the payment I asked if my credit would be damaged because of this and they said they did not know. Right away that was a red flag! After countless phone calls, letters and emails at the end of XXXX my credit report was updated with a deduction in points from XXXX to the low 600 's. After trying to explain the situation they were no help what so ever! all I got was a you should have made that payment on time. Now let 's forward to XXXX! My father had some extra cash so he decided he would make his payment early. I made this payment on XX/XX/XXXX for the amount of {$1800.00} and an additional payment to the principal for {$300.00} a total of {$2100.00} for the next month of XXXX. I kept an eye on the bank account but noticed something strange XXXX only took the principal payment of {$300.00} I called to confirm that and they said that was correct! I asked why?? if I made a payment for {$2100.00}. I remembered what we had already gone thru this so I mentioned this to the operator and she said she saw this exact problem earlier in the week with a different customer. I mentioned what happened to us in XXXX and I told her that it feels as if Freedom Mortgage would love the home back since they really want us to miss payments and mess with our credit. I would happily sell the house back to them!!!!!!! but if the payment system has errors why not change that??? why don't you fix this! I tried to buy my own home but was unable to because of the damage to my credit thats just now getting better. I would appreciate it if XXXX took responsibility for the XXXX up from XXXX and for the one for XXXX or is this plane old sabotage?
Product: Credit reporting or other personal consumer reports

CONTRACT CALLERS, I Original creditor 1, I have no knowledge of this " original '' creditor 2. I have no knowledge of this account
Product: Credit card

I had 7 personal credit cards with Chase bank. The first since XXXX. There was a total of {$98000.00} in credit available to me. Every month I paid the balance in full early or on time. I do not believe I ever incurred an interest charge. Last XXXX I disagreed with the CEO, XXXX XXXX on social media. On XX/XX/XXXX I received a letter stating that all mu accounts would be closed within 30 days due to a public records search. No specific reason was given and all my cards were closed.
Product: Credit card or prepaid card

I reported my credit card stolen back in XXXX with citi bank, I originally thought it had not charged my account as I had reported it on the website right away. However, when I saw my statement I saw that it did charge so I called to start a dispute. They claimed I had never reported it stolen even though the website showed I had and I had received a new credit card in the mail. Months went by and I was still getting charged late fees and was never given a temporary credit into my account. This resulted in significant impacts to my credit score. I have called many times to resolve this issue and every time I was told there was no active case, finally after speaking to a higher up I found out they closed my case in XXXX and found me responsible for the fraudulent charges even though this was highly unlike me and I gave them the police report number for the active POLICE investigation. I never received anything in terms of a letter, email or call that they had closed the case with me being responsible for the charges. The lady on the phone said that I had opened another one to dispute this and this time they would be sure to get the temporary credit into my account and contact me with the findings of this dispute as well as holding collections calls. However, today I received another collections call and I logged into the account. The balance is still sitting in my account and I have no received any information on whether the dispute has closed or what is going on. I am extremely frustrated and beyond over this situation, this needs to get resolved! We're talking {$900.00} dollars and XXXX months of lack of communication and beating around the XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I received an email order confirmation from a company called " XXXX '' for a home gym with a promise of delivery in 3 to 4 weeks. I purchased the product with a loan through Affirm, XXXX 's financial partner. The total was {$550.00}. So far, I have made two {$46.00} payments, leaving a remaining balance of {$440.00}. 
On XXXX XXXX, I contacted XXXX through their customer support email to find out why I hadn't received my home gym. They replied that they were having shipping problems and I would get my product in early XXXX. On XX/XX/XXXX, I contacted XXXX 's email support, but I didn't get a response then or after that. 
Subsequently, I contacted Affirm customer service twice to file a complaint against XXXX. Both times, the representative said their investigators would get in contact with me within 3 to 5 days. It's almost XXXX, and no Affirm investigator has contacted me yet. Today, I made a final call to Affirm customer service, but I got the same old response. It's been almost 3 months since I made my order, and I still haven't received my home gym. I believe Affirm is harboring fraudulent merchants.
Product: Checking or savings account

I am a beneficiary for accounts in Citibank ( also trustee/executor of an established living trust. ). Owner had died with a death certificate dated XXXX. On XXXX, I obtained the Owner 's monthly bank statements and noticed fraudulent transactions beginning XXXX. I provided constructive notice of fraud ( explaining how certain mysterious new transactions of a XXXX XXXX XXXX were happening 2 weeks after his death including student loan payments, rent payments, and credit card payments ) to the branch manager. 

Provided death certificate to bank branch on XXXX and had the branch try to resolve my issue. Citibank 's fraud investigation team noted that it will need time to investigate. 

On XXXX ( and per email ), I received notice that no investigation had began, and that I would need to go through probate to obtain Letters Testamentary. I responded on XXXX with an email noting an unsatisfactory response and negligent fraud monitoring/fraud investigation department ( which I would also request you look into ; their fraud monitoring department is inefficient and negligent ( see my examples to as why in the email. ) Their executive response unit responded on XXXX with a case number XXXX ', stating that they will look into my claim. 

On XXXX, I discussed with Citibank XXXX XXXX, XXXX XXXX certain transactions for her to look into. On XXXX, I received a 'closing " response letter stating that I will still need Letters Testamentary to initiate a fraud claim. The subsequently closed my initial claim number XXXX ' stating that they had 'successfully " resolved my case within their specified time frame. I disagreed, and they opened a new claim XXXX '.
Product: Money transfer, virtual currency, or money service

I saw an ad on XXXX for a house for rent contacted the person set up a meeting to go view the house and he questioned it in the meantime if I would like to begin the application process and get approved I paid the hundred dollars for the application process and he said I was we were approved and asked if we wanted to do the down payment so that we can remove the ad from the online I told him I would pay partial of it and the other partial when I saw it and got keys made the transfer I never heard from him again
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, this is my follow-up request to assist me to dispute these remaining accounts : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; 1. XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please Change Payments Status Too Paid as Agreed or OK. 

2. Fraudulent Account Reporting XXXX XXXX, XXXX. 
Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I Requested a Covid Forbearance in XX/XX/XXXX. I ended my forbearance in XX/XX/XXXX and applied for a loan mod. The bank approved my loan mod with lower payments and completed the partial claim to place a portion of my balance to the end of the loan per FHA guidelines.I had a {$1000.00} in suspense. When they approved me for the loan mod they told me I had to pay ( 3 ) trial mod payments and since I had {$1000.00} in suspense it could be used towards my first mod payment. I was dealing with a manager XXXX who was kind enough to help me get everything set up. She told me my first mod payment would be {$1400.00} but they were using the {$1000.00} already in my suspense bucket so all I had to pay was {$420.00} which I paid. Since then I paid all of my trial mod payments and my XXXX and XX/XX/XXXX mortgage payment. As of today they still have not processed my loan mod in their system I can not make my payments online I do not have online access and they have all my payments in the suspense bucket. I have {$7100.00} sitting in suspense. What makes it bad I get a call from XXXX at M & T bank and tells me I am due for my XX/XX/XXXX paymentI told him absolutely not I am current and owe my XXXX payment. He then said that when I made my first mod payment I was not allowed to use my money that was in my suspense bucketnow I am very angry that was my money I paid during my Covid Forb that loss not told me could be used for my first trial payments. Something has to be done one hand does not know what the other hand is doing and I am tired of being harassed. please help me or do I need an attorney
Product: Bank account or service

I have an account at Usaa I called them on XXXX XXXX when XXXX had a data breacher with me being a federal employee I was advise to take procaution so i called them on XXXX/XXXX/15 asked them to close my account ending in XXXX. I open a new account ending in XXXX come to fine out they didnt close it and alot of ach payments tried to come through and they charged me XXXX for everyone that tried to come thruogh amounting in XXXX Now they have closed that account and put holds on all my other accounts with me not being to recive my direct deposit until that is paid
Product: Credit card or prepaid card

I have multiple holds on my card that have been pending almost a month. I reached out to the merchant ( XXXX ) and they claim they finalized/released said transaction holds and that the bank ( cash app/XXXX ) is holding my funds. The merchant ( XXXX ) even provided confirmation numbers. The bank ( cash app ) refuses to look into the issue and just sends me premade templates about pending transactions even after providing them with the direct communication from the merchant ( XXXX ) that they released the funds and even the confirmation numbers.
Product: Debt collection

Unauthorized accounts were detected on my credit report. Please block and delete these fraudulent entries.