23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inadequate customer service and lack of problem resolution at Wells Fargo. Recently, I encountered significant issues with their customer service representatives, who not only provided poor service but also failed to address my concerns adequately. 

Despite multiple attempts to reach a solution, my requests have been ignored or mishandled, leaving my issue unresolved and causing considerable inconvenience. I believe this level of service is unacceptable for a bank of Wells Fargo 's size and reputation. 

I kindly request that the CFPB investigate this matter and take appropriate actions to ensure that Wells Fargo improves its customer service practices and provides adequate support to its clients. 

Thank you for your attention to this matter. 

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

XXXX Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently my Trans Union Credit Report reflects 22 charge offs, my XXXX   credit report reflects 21 charge offs, and my XXXX credit report reflects 21 charge offs. These accounts date back to the years XXXX-XXXX  and once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX  XXXX  XXXX University in XXXX of XXXX. You can verify this information by contacting XXXX XXXX  XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XXXX-XXXX I will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.
Product: Debt collection

I have been receiving monthly bills by mail & and paying online ( no problem ) ; without notification they, OCWEN, changed their policy that, if I receive a paper bill by mail, I can not pay my bill online with out a $ XXXX charge. 
I called them about the issue, & they said basically, tough luck, thats our policy. 
Is this legal?
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The original debt was sold by Santander to XXXX XXXX. After a settlement was reached with XXXX all tradelines and any account associated with XXXX was supposed to be removed from all of my reports. XXXX was removed and Santander failed to remove their name from my reports and is reporting false information to all three credit agencies. I have disputed this issue on several different occasions starting on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It has come to light that this credit " Bureau '' is not in my best interest, and is in the art of illusion to sell me the " secured party creditor '' a status that is not only unconstitutional but unlawful. This " Bureau '' has obfuscated my consumer rights to do business as a consumer & as the original creditor. Further, this so called " credit organization '' is not found in 31 U.S.C. and is not Congress made. The level of fraud here is a true art of illusion for those without an eye. I DEMAND this unlawful entity completely remove & clear ALL these " credit reports '' and the amendments with my XXXX  name in order to continue to do business. TREMBLE DAMAGES WILL APPLY IF MY DEMAND IS NOT MET. 15 USC 1692c. ( c ) 15 USC 1692c. ( c ) ( 2 ) -
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX  XXXX XXXX Account XXXX : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I got sent XXXXXXXX XXXX for my rent they froze my account I sent my id in and they deactivated my account with my money in and now saying I have to wait 6 months to possibly get it
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed have called Experian, XXXX, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.
Product: Credit card or prepaid card

I submitted a document from capital one stating that I never had a late payment. I been having the worst experience with XXXX  customer service. A lot of representatives have been hanging up on me and a supervisor is never available when I request one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need an extended fraud alert on my credit files as I am a victim of identity theft. I have sent 9 requests to Equifax and yet I still have only a 1 year alert on that file.
Product: Mortgage

I originated my loan last XXXX XXXX, XXXX from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. Due to my difficulties I refinanced with XXXX XXXX XXXX XXXX ( merger of XXXX ) refinanced my loan home yet through long they claimed that the worth of my house was lower than what I owed. My motive of why I would like to refinance is to lower my monthly mortgage. XXXX had signed me note refinance with 7.370 % rate. 
XXXX XXXX XXXX XXXX, always misrepresenting their Company when they clearly stated that they were merger with XXXX and they confused me always to whom or who was holding my notes and to whom I have to communicate regarding for my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping the government Loan Modification benefits and incentives for homeowners like us and their mortgage servicing doesnt want to accept my request for Loan Modification. 
XXXX XXXX, XXXX, I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to XXXX XXXX XXXX XXXX faithfully. I am denying allegation of XXXX XXXX XXXX XXXX  that I failed to remit payments as of XXXX, XXXX and after XXXX XXXX, XXXX which evidence of history payment from XXXX XXXX XXXX XXXX that I can enclose in the future. I had requested for the XXXXederal Governments Home Affordable Modification Program, that made available for home owners. I had already communicated and sent requirements to XXXX XXXX XXXX XXXX yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, XXXX and not after XXXX XXXX. XXXX XXXX XXXX XXXX have not dealt to me in good faith.
Product: Student loan

Hello, I made a payment of {$740.00} on XX/XX/XXXX. I called on XX/XX/XXXX to have the payment directed to my Dept of Ed loan. I was in informed the first time that it would be done by XX/XX/XXXX. Since then, I have called multiple times including today XX/XX/XXXX and have been given a different date each time. I am super disappointed in how my payment is handled and due to the lackadaisical approach, the interest continuously increases. This money of {$740.00} I am expecting to go straight to my principal but with this incredibly long delay, I am unsure. 

I have already called four times to inquire about redirected payment and I am on week 3 of still waiting for that payment to be processed. All I keep getting is that it is in process and a different date for when it will be taken care of. Well guess what its NOT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXXXXXX. 

- XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX. 

- XXXX XXXX  XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 or other personal consumer reports

I didn't authorize these inquiries and I know that they are a result of identity theft. I am request that these inquiries be investigated and removed from my credit report as soon as possible. To support my identity theft dispute, I have placed the following documents inside my dispute : A copy of my driver 's license and my ssn card. And copy of my FTC Report Number ( XXXX  ). Please confirm in writing that these unauthorized inquiries have been removed from my credit report. I also request that you provide me with a free copy of my updated credit report when the disputed items have been resolved.
Product: Debt collection

I never had any business with that company. They tried to said I owe them {$4200.00}. I never live in that places. I tried to reasoning with this company but they still not prove to me that I was in fact the renter. The acct number they provided for me was from XX/XX/XXXX acct # XXXX. At that time I was living in mass.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.c
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX these hard inquiries have 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Product: Mortgage

I entered a forbearance plan with Citizen XXXX XXXX due to covid. My forbearance plan ended XX/XX/XXXX and I was told in order to resume making payments I had to fill out a loan modification form so my payments can be moved to the back of my loan. I submitted the application on XX/XX/XXXX. I was verbally told that i was approved and a notary will be contacting me so I can sign the documents needed to finalize the modification. I did not hear from anyone so on XX/XX/XXXX I called regarding my modification. I kept getting the running around and requested to speak to management and I was told I would get a call back and no one ever called me back. I kept calling each day until someone finally advised me I was denied due to a lien against XXXX XXXX. I advised I have no liens against me and it must be a mistake. I escalated this matter to the XXXX  and XXXX XXXX from the chairman 's office reached out to me to advise me more of the specifics of the XXXX. I advised it is mistaken identity as that person is not me. I have submitted numerous documents proving that I have no liens against me or my home provided by my local county clerk 's office back in late XX/XX/XXXX, again XX/XX/XXXX and then once more on XX/XX/XXXX. I still have yet to hear from anyone in regards to a resolution. On XX/XX/XXXX I received a letter that my loan is now in default and they will begin foreclosure process if a payment in full is not received by XX/XX/XXXX in the amount of {$24000.00}. I was told by the chairman 's office on XX/XX/XXXX that this will be investigated and everything will be on hold until the investigation is complete but they are moving forward without resolving this mixed identity issues. It has now come to the point that my anxiety levels and stress levels have increased tremendously that I had to get my medication increased and I am under constant monitoring due to me being XXXX weeks pregnant. Citizens Bank is now refusing to provide me with any information when I call and not responding to calls or emails.
Product: Checking or savings account

I was evicted from my apartment because I could not pay my rent. Because of the over draft fees accumulated that exceeded the amount owed. Unable to catch up with the fees. Chase bank had charged me XXXX In over draft fees with in years. 
I lost all of my possessions in storage. Furniture TVs appliances cloths. electronic devises. Give and take XXXX My car was repossessed. And end up being homeless. Chase did not help working for XXXX and XXXX. I would deposit money and withdraw if I had accumulated over draft came to XXXX I could never catch up because I had to deposit and
Product: Money transfer, virtual currency, or money service

Bank is n't updating it 's transactions with active hours so I ca n't transfer money over to my account.
Product: Debt collection

An account with XXXX popped up on my credit report a few days ago stating it was opened XX/XX/2023 and it states that I owe {$1700.00}. I just recently joined with XXXX in XXXX, there is no way that collection belongs to me.
Product: Mortgage

I opened my mortgage payment to make sure it cleared for XXXX and low and behold the XXXX payment is {$300.00} more with no explanation or a letter stating how much it would be. I was hit with this increase with no warning, and they expect me to pay it without being able to prepare for it. This should be delayed to at least XXXX so I have XXXX days ' notice not XXXX days after the payment is due! This company is so unfair and charges fees that are not warranted. I want a full audit by an outside auditor of the account. They have been sited many times for funny business with their accounts and I have to watch them carefully.
Product: Vehicle loan or lease

Currently stuck inside due to possibly being infected with XXXX XXXX. USAA will not work with me on payments and continue to harass me and hit my credit. Not very friendly to service members and veterans dealing with this.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. Details of the Disputed Inquiries : Requesting Entities : XXXX Inquiry Dates : XXXX XXXX XXXX Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXX Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXXXXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report. 2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly. 3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud. Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information. Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. Sincerely,
Product: Debt collection

XX/XX/2019 - Negative account added to credit report from Midwest Recovery Systems. I have never heard of this company, nor had any correspondence with them. This is not a debt I owe anyone and is false reporting.
Product: Mortgage

I was in the hospital majority of XXXX and laid off due to XXXX. I was not aware of servicing transfer to Fay Servicing. When I became aware I found out my home had a foreclosure sale date of XX/XX/XXXX it was less than 37 days of foreclosure sale date. I have tried to speak with servicer but they are not willing to work wit me at all. I have submitted a complete application as of today and the are refusing. They never guided me on where to find an application nor sent me anything but mortgage statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. 
Equifax, and XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give Equifax and XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i rep [ orted to both XXXX and bank of america and XXXX ic3 file called agent XXXX in XXXX kentucky and local police months on line been scammed i beleve from ex employee for {$80000.00} im getting no were im on SS cant pay and credit report cant borrow on house of bad credit report XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ky XXXX cellXXXX ... bank of america card #  XXXX XXXX XXXX # XXXX.