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

I recently was denied an extension of credit due to inaccurate information being furnished to my credit report by Wells fargo which has ruined my reputation. Wells fargo privacy policy does not supersede federal law. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Wells fargo 's failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraudulently furnished late payments without my lawful authority. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. Pursuant 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. My initial letter, which was received by Wells fargo on XX/XX/2022 ( Tracking # : XXXX ) Wells fargo has failed to provide me with proof such as a tracking number or a certified mail return receipt bearing my wet signature that they adopted reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date, these alleged late payments must be removed. Wells fargo has violated federal law and spread negative information about me in an attempt to coerce me to pay an alleged debt. Wells fargo has sold my customers private information and misrepresented facts of contract in an attempt to extort me. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place. If not I will have no choice but to escalate this up to the attorney general and I will point out just how deep this fraud goes and how Wells fargo and the credit bureaus have been working together to commit fraud and violating the privacy of millions of its customers. Such acts on a grand scale is grounds for investigation according to The Racketeer Influenced and Corrupt Organizations Act.
Product: Mortgage

My parents and I recently refinanced the mortgage on our house via XXXX XXXX. They sold the FHA loan to Penny Mac. My first payment is due on XX/XX/2016. I logged into Penny Mac on XX/XX/2016, set up an online account with Penny Mac and set a payment date for XX/XX/2016 in the amount of XXXX. XXXX was for additional principal. I logged in on XX/XX/XXXX to see if the payment went through and it still said pending XXXX. I check my bank account on Monday and only the monthly loan cleared and no the extra XXXX. I logged back into Penny Mac and there is no record of my additional payment. I checked my emails and all they say is payment was received and to check their message center. I checked their message center and it only reflected the loan amount and not the extra towards principal. My dad was right beside me when I made the payment in the amount of XXXX. How did it magically drop to the required loan amount only? When i called about this, I was hung up on the first time. It took over 30 minutes to get through the next time and then their rep said it would be a fee. He did n't see the XXXX I put towards principal. I was furious. This is my very first payment with this mortgage company. After requesting a supervisor, he said he could take the extra principal payment over the phone. Since Penny Mac does not email you what you paid including any extra principal, escrow, etc in the email confirmation, nor does their website retain the payment information that you submitted, I asked if I would need to screen shot every payment from here on out. I just read through XXXX negative complaints about Penny Mac and how they mess around with people 's payments. How can a company like this stay in business when its practices are so shady? I should n't have to take all of these extras measures just to pay my loan on time with a little extra going towards principal.
Product: Credit reporting or other personal consumer reports

Im requesting a proper re-investigation be completed. XXXX XXXX XXXX still reports an open balance and without my consent shares the same inaccurate information with all 3 credit bureaus. The inaccurate reporting has caused severe harm to obtaining future financial assistance. Causing more harm to my credit score and potential discrimination for a fair chance in obtaining new loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, Jefferson Capital added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Jefferson Capital has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the doctrine of the estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX.
Product: Mortgage

WHEN TRYING TO MAKE A MONTHLY PAYMENT ON XX/XX/2020 I DISCOVERED OUR ACCOUNT LOAN WAS CLOSED. APPARENTLY THE LOAN WAS SOLD BY DITECH AS PARTY OF THEIR BANKRUPTCY BUT WE RECEIVED NO NOTICE FROM THEM AND HAD PAID BY PHONE ON XX/XX/ WITH NO INDICATION THEN OF ANY LOAN OWNERSHIP CHANGE FORTHCOMING. IN ADDITION WE HAVE RECI=EIVED NO " WELCOME '' LETTER FROM ANY NEW LOAN SERVICER, BOTH OF WHICH I UNDERSTAND ARE REQUIRED BY LAW. I CONTACTED DITECH BOTH BY PHONE ( SHORT TERSE RECODING SAYING LOAD SOLD ) AND THEN BY EMAIL WITH NO RESPONSE. 
WE ARE A MONTH BEHIND ON THE PAYMENT AND NEED TO MAKE A PAYMENT TO AVOID BEING FURTHER BEHIND, EVEN IN THE MIDST OF THIS VIRUS ISSUE AMERICA IS GOING THROUGH. I AM XXXX AND MY WIFE IS XXXX, WE BOTH WORK XXXX  AND NEED HELP.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX and the vehicle was involved in a car accident on XX/XX/XXXX. On XX/XX/XXXX, the insurance company deemed the car to be a total loss. During the payoff process the insurance company advised that the finance company did not have the correct Title Work for the vehicle. There was a misprint regarding the mileage along with the car being registered in the state of Arizona. The car should have been registered in the state of Texas. Due to the misprint the insurance company XXXX XXXX ) stated that they would not be able to pay off the car due to the inaccuracy of the title. The finance company ( XXXX ) encouraged me to contact Carvana to have the issue resolved regarding the title. The process began XX/XX/XXXX and was updated XX/XX/XXXX, along with the license plates being received by mail on XX/XX/XXXX. I contacted the insurance company to proceed with getting the car paid off and was informed that a title search had to be completed before sending a payoff check to the finance company. I was advised that a payoff check could not be established due to the car being registered to an unknown third party. I have been working with Carvana for several months with this ongoing issue without any success. My credit has been impacted tremendously, when creditors review my credit they will think that my ability to repay is unsatisfactory. At this point I am asking that Carvana assumes ALL responsibility regarding this total loss. The State Law of Texas mandates that car dealers or finance companies to register the title to a purchaser within 20days of the purchase. Failure to do so subjects them to liability under the dealer licensing laws and if title is not conveyed, to civil liability to a buyer. It is a deceptive trade practice to sell a car to which you do not have title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. 
Please remove it permanently. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Idenity Theft Affidavit to report 5 seperate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card accounts ; XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$720.00} in account with XXXX XXXX XX/XX/XXXX in the amount of {$990.00}, XXXX XXXX XX/XX/XXXX in the amount of {$1900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the afroementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

We open an account and in an hour they closed and is holding my money the account was for business porpoises we deposited 2 checks now I have to wait until bank American wants to send my money when that money was for insurance and services for the business is long long wait didnt told me anything about this try to speak with customer service and cant explain what happened
Product: Credit card or prepaid card

I've been a CapitalOne customer for XXXX  year and a half. And a really good one. 
At first, I've obtained a Secured Credit Card with them with the limit of {$800.00} depositing {$600.00}, which I used during this time, and had a great use of it. 
I've always paid it fully and on time. I didn't have a XXXX XXXX and because of my good use, my score went up. 

After that I even got a XXXX Credit Card with Capital One, limit {$1500.00}. 
Which again, I've been using it and pay fully and on time. 

Since my credit card score only kept rising. I even got a nice credit card limit on XXXX, {$3000.00} on XXXX credit and {$800.00} on XXXX XXXX XXXX. 

Everytime I've paid for my statements, I used to deposit money in my CapitalOne bank account, and then paid through there, and it worked fine all the times. 

Recently, I had the terrible idea of paying through another bank, which is an option provided by CapitalOne app. I added my XXXX checkings account at CapitalOne app, I've validated this account at the app. And then I've made the payment of both my statements ( Secured Credit Card and QuickSilver ) through the XXXX checkings account. 

Statements : Secured Credit Card : {$80000.00} XXXX : {$76000.00} As shown in the screenshots, I had a XXXX XXXX enough to pay both statements at the time I've made the Payment. 

Days later, CapitalOne locked both my accounts saying that there was not funds. 
I called them and told them I tried to pay through XXXX checkings account. They told me that XXXX isn't allowed to make payments at CapitalOne like that, and because of that, both payments were rejected. 

I explained everything, and proved that the rejections wasn't me acting in bad faith, but the XXXX XXXX  XXXX, and that it wasn't my fault. And I even transferred the money from XXXX to CapitalOne right after and paid the balances as I should. They said that They would analyze. Many days have passed and now They closed both my credit cards. 

I definately don't think this is fair. I've been a great costumer, I explained everything and proved how everything happened. And even then, They just ignored and closed my credit cards. 
The very first reason I was using CapitalOne was to build score, and that's a thing I've been doing well for more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of my HIPPA rights. 

" The collection company '' is also in violation of my HIPPA rights. 

There is also no information for me to dispute. 

No company name, no address, no phone number. 

I'm not sure how Equifax is reporting this.
Product: Debt collection

In XXXX XXXX, I was surprised to find a collection entered on my credit report from Gold Key Credit , Inc. when I did n't have any prior notice, warning or communication that this debt was subject to or nearing collection efforts. At the very least, I would have attempted to settle the debt after confirming ownership to avoid this from hitting my credit report. I received a piece of mail on XXXX XXXX, XXXX from Gold Key Credit , Inc. requesting payment. According to their records, this debt occurred in or around XXXX XXXX. I was hospitalized for 5 days but XXXX XXXX XXXX XXXX reduced my debt to {$100.00} due to the fact that I was uninsured and unemployed. I can not confirm the validity of this debt as I was in a XXXX accident in XXXX XXXX and went to a different hospital, yet XXXX bills state I owed money to XXXX XXXX XXXX. The debt resulting from the XXXX accident has been paid through my attorneys and I produced documentation of payment to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, one payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my credit score. NOTE 2 : I don't authorize XXXX XXXX XXXX to run a XXXX XXXX on my credit score again
Product: Credit reporting, credit repair services, or other personal consumer reports

They Always saying it wouldn't affect my credit score but when it did severely I contacted everybody that they Always redirect me to and Nobody Never Helped me!!! And after dealing with Fake Credit Karma XXXX  my score still haven't got back to where I was before all this Ridiculous XXXX... And with the help of XXXX, they're still false advertising the same exact XXXX!!!!!!!
Product: Credit reporting or other personal consumer reports

This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all credit inquiries that I did not authorize. I have tried to report this to the credit agency, but they will not do anything about it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

This is the second time I've updated this questionable information by sending a letter to the XXXXhree credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I had a HELOC loan with Wells Fargo and prior to the end of the draw period I contacted them to convert the load to a fixed rate Home Equity " Loan ''. This was completed in XXXX 2015. In reviewing my Credit reports on XXXX/XXXX/15 I noticed this account was still showing up as a " Line of Credit '' instead of a loan for a fixed amount and is adversely effecting by credit scores because of false " credit utilization '' information this incorrect information is causing. I contacted Wells Fargo on XXXX/XXXX/15 requesting they notify the XXXX credit bureaus of the corrected information and was told that technically this account was still a Line of Credit even though it is not. I explained that the incorrect information was having an adverse impact on my credit scores but was told there was nothing they could do. I advised them that when i converted the Line of Credit to a loan prior to the end of the draw period I was told Wells Fargo representative XXXX XXXX that this account would now show a loan on all my records even though the account number remained the same. This has now proved to be false information. I was told the opposite on XXXX/XXXX/15 by their representative who identified herself as " XXXX '' that made no difference and in fact Wells Fargo discontinued " Home Equity Loans '' in XXXX of 2015??