23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I did not receive any information from the mortgage company or an answer to a letter that I sent them about the tax change and about the money that I was refunded from the tax department my letter was sent to them on XXXXXXXX XXXX XXXX XXXX. I received a letter from the tax department of XXXX XXXX on XX/XX/XXXX confirming this error and letting me know that the refund would be issued. The refund was issued to my escrow account at Wells Fargo on XX/XX/XXXX and they received it and marked it received. Wells Fargo continued to have no contact with me and never told me they received the money or that they were going to hold it for 90 days until the next review of my escrow account. I called Wells Fargo on XXXXXXXX XXXX XXXX and told them I wanted my refund I was told they would call me back they never did. On XX/XX/XXXXXXXX I called Wells Fargo again and asked them for my money. After being on the phone with them for an hour for them to try and tell me that yes there was a refund there but I would not get it until sometime in XXXX because I had another escrow review due to be done in XXXX she could not tell me what day just that it would be done in XXXX. This is ridiculous why should they have my money for 90 days before I get it I want my money. Simple ... .. it was refunded because I was overcharged on my XXXX XXXX taxes on my condo and if XXXX XXXX tax department can refund me why can't Wells Fargo it's not their money it's mine.
Product: Credit card

About XXXX weeks ago I reported my credit card lost and Bank of America issued me a new card. I recently received my new card and before I had a chance to use it, Bank of America shared my new card information with a merchant without my consent. When I called for an explanation they said that the merchant presented them with a subscription contract I have with the merchant and they had no choice but honor the charge. I don't understand how they can validate any contract and make a decision based on that. Aren't merchant 's required to get authorization from a credit card user before they charge it?
Product: Credit reporting or other personal consumer reports

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 

.
Product: Debt collection

Dear Sirs in XXXX when the economy crashed, I was advised because of lack of work to file Bankruptcy. I held out until XXXX. 
In XXXX All credit was taken away and I had an Equity Line of credit ( Heloc ) and used XXXX, I went bankrupt and discharged all debt in XXXX. I was then advised that even though It was discharged I still owed the money because of the equity in my home. I am willing to pay the XXXX, through refinance but no one will let me due to the lien. Ocwen tried to foreclose, I hired a lawyer to stop them and paid XXXX to do that. Now Ocwen is foreclosing again while adding XXXX to the original bill. They will not communicate and when you call you get XXXX. I feel the first Lawyer made mistakes and the Second Lawyer bait and switched me.I am aXXXX year old man living on Social Security and my only nest egg is my condo. Can you help me
Product: Credit reporting or other personal consumer reports

I checked my credit score on XXXX  XXXX on XX/XX/XXXX and my score was a XXXX. On XX/XX/XXXX I checked it and my score was a XXXX. Then I checked again on XX/XX/XXXX which showed my score was now a XXXX. On XX/XX/XXXX, I called XXXX XXXX, who advised they are only a monitoring service and that I needed to call Equifax. I called Equifax immediately after and the customer service agent said there was nothing she can see or do but only send me a credit report. Then on Monday XX/XX/XXXX I contacted XXXX, XXXX, and Equifax. I could not get a live person with XXXX. XXXX advised this was not something they can assist with. Afterwards I reached back out to Equifax. The customer service agent said he could not see or explain why my credit score would drop so drastically in a short period of time, especially given that I pay my bill in time. He stated it " should '' go back to normal. It is now XX/XX/XXXX and my credit score is still a XXXX.
Product: Credit reporting or other personal consumer reports

Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/2024 Dear Global Lending Services, I am writing to formally dispute the account appearing under my name with your institution. Pursuant to the XXXXBliley Act ( GLBA ) and XXXX XXXX XXXX, I am asserting my rights regarding the improper handling and dissemination of my private financial information. Specifically, I demand the immediate removal of this account from all records and credit reporting. 

Under XXXX USC XXXX, financial institutions are required to respect the privacy of their customers and adhere to strict guidelines regarding the sharing of nonpublic personal information. As per the provisions of the XXXX, I have not provided consent for the dissemination or sharing of my financial information associated with this disputed account. Therefore, any unauthorized reporting or communication of this information to XXXX XXXX, including credit reporting agencies, is a violation of my privacy rights. 

I request that you : XXXX. Remove this account immediately from all internal and external databases, including but not limited to credit reporting agencies. 
XXXX. Cease all dissemination of any nonpublic personal information related to this account in compliance with the XXXX and XXXX USC XXXX. 

Please provide written confirmation within XXXX days that the disputed account has been removed and that my personal information has been protected as required by law. Failure to comply with these legal obligations may result in further action, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX, I received multiple letters from Wakefield and Associates claiming I owed debts. Each letter had a different account number and amount owed. On XX/XX/XXXX, I sent two letters asking for debt validation via certified mail, which I do have the receipts for. Wakefield never responded to any of my debt validation requests, but did continue to send various letters with different account numbers. On XX/XX/XXXX, I mailed a cease and desist letter to Wakefield via certified mail. I asked them to not contact me any further unless they could prove accurate information regarding the alleged debt. Wakefield has violated my rights and federal regulations for debt collections on several different occasions. Wakefield and Associates has violated regulation 15 USC 1692g 809. by refusing to provide any information relating to the supposed debts. Wakefield and Associates has also violated 15 USC 1692d 806 on at least 5 different occasions by calling me after receiving my cease and desist letter, which I have proof of delivery. I received calls from Wakefield on XX/XX/XXXX at XXXX by XXXX XXXX XXXX on XX/XX/XXXX at XXXX by XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX by XXXX XXXX, XX/XX/XXXX XXXX XXXX by XXXX XXXX, and XXXX XXXX XX/XX/XXXX by a person who did not leave their name. Because of Wakefield and Associate 's attempts to collect false debt under my name with no details or explanation, I filed an identity theft report on XX/XX/XXXX with the FTC. The report number is XXXX. Wakefield has continued to send threatening letters claiming I have refused to pay unvalidated debt, thus continuing to violate federal guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$870.00}.
Product: Checking or savings account

I was overdraft and now I settled the amount. I want to cancel my early warning. What is the appropriate procedure for that?
Product: Credit card or prepaid card

Two of my credit cards through Citi have flex loan offers which make up the bulk of my current balance. Recently my credit limit has gone down twice and it doesnt make sense with it being a loan not regular credit. This creates a cycle of bad credit because now my utilization is even higher, rates go up, which makes payments harder. I have not missed a single payment and have been a loyal customer for 4 years and in my 12 years of having ccs Ive paid all balances off, always. When I tried to resolve the issue I was on the phone for hours, was hung up on THREE times and finally the supervisor said there was nothing they could do and simply ignored me when I asked if it was normal to get hung up on so many times. I read others reviews after this phone call and this company is doing the same thing to many other people. its extremely hard to understand their employees on the phone- they often say they dont understand you ( the customer ) in turn getting their way in the conversation. 4 years Ive dealt with not understanding the person on the other line and was even accused by a supervisor once that I was a fraudulent customer. 
I get how cc companies work but in these hard times, I have lost my job, inflation, and all Im asking is that my credit limit be what it was, so my utilization looks good and helps me pay off debt rather than hindering me. This is a seemingly small, yet huge problem for me and Im sure many other people. Where is the heart?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Nordstrom Card Services About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. 

I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. 

Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. 
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. 

Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. 

The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.
Product: Debt collection

XXXX XXXX XXXX, or XXXX XXXX XXXX it is unclear which company because their emails are from XXXX but the phone calls only refer to their XXXX office of SRS- contacted family members other than myself and my wife about a debt they claim I owe. I am not a minor, so they should not be contacting anyone but me. They called my father and my sister today, and possibly others.
Product: Consumer Loan

When my ex-wife failed to make payments on a leased car so I had the car picked up when we separated. XXXX XXXX turned us over to collection and in 2008, a judgement was was entered by XXXX XXXX XXXX , XXXX. The original damage was {$9200.00}. This amount was for the full price of the car. The car was sold at action for {$8600.00}, leaving a total of {$650.00}. 
I foolishly walk away from this mostly due to ignorance. In the meantime, I went through a divorce and XXXX and did n't have the funds to hire an attorney and did n't know how to handle this myself. Subsequently, my wages were garnished for a total of {$4200.00}, paying a 3rd party ( XXXX XXXX ) {$690.00}. XXXX XXXX XXXX now has {$3500.00}. 
On XX/XX/2016, I went to court to vacate the judgement on the grounds that the default judgement was acquired by fraud. I was never served. My son, age XXXX, was served at his address. I have never lived there and I was XXXX years old at the time. My credit reports confirm age and addresses and I assume a credit company had them in their possession. Also, the AKA XXXX XXXX XXXX is only on my birth certificate. I have been XXXX XXXX XXXX on school records, military records, medical, IRS, SS etc. It was a misspelling at the time of birth. ( The attorney failed to mention this at the hearing last week. ) The judge ruled against me due to the 8 year time lapse. I have offered XXXX {$2000.00} max for a settlement, but have not heard back from them. That would be a total of {$5500.00} that XXXX would have in profits. I want to know how much I really need to pay this collection company. I feel I 'm beginning to pay for the car for the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report to all three credit agencies .They are informing XXXX XXXX XXXX and XXXX of 30 days and 60 days late payments in the same month and year XX/XX/2022. That is inaccurate, I am sending proof of payment receipts and emails of communication. I never received a late payment statement or phone call indicating rejected payment or given the time allowed to correct the error if made by me in the time allowed before a late payment is reported.
Product: Debt collection

Briefly, a nightmare involving Identity Theft dating back to XX/XX/XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with XXXX XXXX in XXXX. 
A company named Dynamic Recovery Solutions appears to be abusively recycling this old XXXX account even though they were responded to in XX/XX/XXXX and it appears that they may be doing this with XXXX 's help. 
A total nightmare going back over 20 years that should simply never be allowed to happen.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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

I am writing to formally file a complaint regarding the statement credit benefit for my XXXX XXXX XXXX XXXX credit card account. Despite following all the necessary steps and providing the required information, I have not received the {$600.00} statement credit for both XXXX and XXXX, even though I am eligible for the benefit. 

For your reference, I have already submitted the following booking reference numbers ( PNR ) and associated details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These bookings meet the eligibility requirements for the statement credit for business travel, but I have yet to receive any credit for either year. I am disappointed by the lack of resolution, despite having provided the requested information.
Product: Payday loan, title loan, or personal loan

I have asked the company to not call my phone before XXXX due to my work hours and can get into trouble when on the phone and instead of respecting my wishes they have started calling 7 times before XXXX. I have been reprimanded once for answering their calls during work already and they have continued to call.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Wells Fargo in attempts to clear up a 30 day late payment that has been added to my credit report. The account is current, and I informed them that I attempted to set up automatic payments that apparently did not go through for that month. As soon as I noticed the issue that payment was made, and I called to make sure that the automatic payment service was set up properly. I spoke with a Executive Resolution Specialist with Wells Fargo in attempts to resolve problem, and have the 30 day late removed. In turn I was treated extremely poorly. The " Specialist '' was very rude, demeaning, and belittling. He refused to listen what I had to say, and made no attempt to help work with what I would think a valued customer. I am very disappointed in the so called service that Wells Fargo has provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of an account balance with XXXX/XXXX. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX and Transunion reports. 
Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments. 

Furthermore the creditor reports " XXXX '' CHARGE-OFFS on XXXX  and Transunion. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.