23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Student loan

After I received my degree for XXXX  I couldnt find a job right away. Plus I got XXXX  a few months later after XXXX as well and had health issues during the XXXX. Then after delivering my son, I got XXXX  again almost immediately after. My husband and I decided after we found out I was XXXX the first time that I would become a stay at home mom due to my health issues and cost of daycare. When I did try to work my way into the industry of XXXX, the wages were only minimum wage and I couldnt afford to pay the bills nor could I keep up with my student loans still. I have been a stay at home mom since and have had more health issues arise causing me to be unable to pursue a career In XXXX  to pay off my student loans.
Product: Mortgage

I was charged fees that are unexplained on my account. All it says is " Uncollected fees '' for {$2300.00} I have absolutely no explanation of these fees and the representative from the company could not explain them, just said they were owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Product: Credit reporting or other personal consumer reports

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Money transfer, virtual currency, or money service

I opened a venmo account on XX/XX/2022 I tried to connect my debit card and bank account to transfer my cash from a family member and the accounts wouldnt link. I called contacted venmo several times to try and fix this issue so I could access my money and they froze my account. They wont let me speak to anyone and are not willing to help me unlock this account for 7-10 business days.
Product: Debt collection

gm financial hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to repossess a XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2021 at my home address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX i was not home at the time they left no paper work at all so i could not contact anyone. i finally got ahold of gm financial got the number XXXX i called the guy for XXXX left numerous messages, told i had the key, we played phone tag and i could not get ahold of him. my wife called to and left a message the XXXX asking them to send me the repossession paperwork and she also stated we had the key. i got a certified letter on the XXXXXXXX-2021statinf their would be a 50.00 handling fee and 5.00 fee a day for storage for 30 for unclaimed property. i called 0n XXXX-2021 asked for a prepaid envelope so i could send them the key i also stated i did not want any of the personel back a phone charger blanket and 2 camping chairs. i was than told they cut i key already and i would need to pay the 200.00 fee. i notified them i had the key and i am disputing these charges. they should have legally left me the paper work on the XXXX-2021.
Product: Consumer Loan

I got a vehicle loan at XXXX XXXX XXXX XXXX XXXX, in XXXX, MO, which was financed through Wells Fargo Dealer Services, on XXXX XXXX, 2015, according to my loan documents. I called yesterday, to try to make the current interest payment and a {$500.00} principal reduction on my loan, but Wells Fargo does n't have any record of the loan in their system yet. I called the dealership, and was told that the loan has n't been completely processed and funded yet, and that my payment is n't due until XXXX anyway ( which is utterly beside the point ). I called back to Wells Fargo and asked if I could make a payment, using my name and SSN, and have it applied with an effective date, once they receive the paperwork. I was told that they could not do that because the loan may not even go through them. I offered to send her a copy of my documents showing that Wells Fargo was the lender, and she said it did n't matter because they had no record of the loan. I asked if I was the accruing interest, since they did n't have the loan yet. I was told that the loan would be accruing interest as of the date of the contract, but it did n't matter, because the interest charge was calculated on the date of the loan. After explaining interest accrual to the nice young lady, and how principal reductions affect the accrued interest, I asked to speak with a manager, and was told the same thing by her. They will be charging me interest from XXXX XXXX, but as of XXXX XXXX, they are refusing to accept a payment, which would reduce my daily interest. At this point, the difference is only {$0.00} a day, but if you take that XXXX cents times all of Wells Fargo 's customers, they could be making a pretty sizable chunk of change over the course of a year. I 'm also going to be receiving a good-sized check from my insurance company for the replacement cost of the vehicle we totaled, and will be wanting to apply that to the loan also. If they are n't in any hurry, because my XXXX payment is n't due until XXXX, I could be out a good amount of money by the time they decide to process my loan. As someone who works at a bank, I know that there are consumer regulations that state how loan payments have to be applied, and that it has to be done in a timely manner and such. Since they 've not actually " funded '' the loan yet, am I just stuck in no man 's land? What recourse do I have?
Product: Mortgage

I have a mortgage with WELLS FARGO MORTGAGE. I asked for a loan m modification and was given the run-around. They seem as if they were purposely trying to make me loose my home. They tell you that you have to to be late before they can process a modification. Then while I think they were processing the modification, they were behind my back trying to foreclose. My mortgage was sold several times. it is a XXXX account. They keep adding fees that I do n't owe them to my balance. 
I bought my home in 2006 at XXXX I made my payments every month. 
the balance never seem to go down. This bank is not right
Product: Credit card

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  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

You have been advised repeatedly to stop your attempts to collect an invalid debt to the name of XXXX XXXX account number : XXXX. This debt is not valid and was not accrued by XXXX XXXX. A police incident number has been issued by the police department in XXXX XXXX CA for this incident and the theft of identity has ben reported to the FTC. I repeat STOP all attempts to collect this debt, I am tired to repeating myself STOP TRYING TO COLLECT THIS DEBT. We have retained a lawyer and will be proceeding further with legal action for unlawful collection if all attempts don't seize immediately. A monkey could do the investigation to see that the money was siphoned through bogus accounts by individuals in a different part of the world with no relation to XXXX XXXX. I'm chocking on my own spit here ; HSBC get your act together no wonder you are at the center of all illicit money laundering activities. Get out of here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days in the months of XXXX, XXXX, XXXX, nor XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I went into XXXX XXXX to inquire about a XXXX  they had. I was met by XXXX and informed him right away that I did not want to run my credit and I understand the process of not knowing my exact payments until it is ran. I did my test drive and noticed some concerns with the car, which I brought to XXXX attention. He had another guy come in to convince me that it was a recall signal on the car. Found that the car was in an accident etc. We get back to his desk and he asked for my SSN, I asked what did he need it for? He stated, to do a soft credit check. Itll give us an estimate of your rate. No worries I told him I already did a few soft credit checks, but he insisted. Without him asking for one or me providing signature or anything, I provide my SSN under the impression its a soft credit check. After he does it, I instantly get multiple notifications of my credit changing and a hard inquiry was done. I bring it to XXXX attention and state the emails I received. He says oh no, that cant be. I only did soft. I reiterated that I didnt want my credit ran and he says Im so sorry. It shouldnt have been a hard credit. He walks always and comes back with my credit scores and a paper of rates and tells me to sign the one with rates. Still unsure of what was going on and their practices, I signed only the proposed rate paper, not anything for credit or for a loan agreement due to them trying to force me to get optional car upgrade items. After feeling uneasy, I left the establishment and regrettably left all papers behind, as I wish I wouldve kept them with me. I took a picture of some papers. As I do not trust this company. I am hoping to have these hard inquiries removed from my credit report.
Product: Checking or savings account

Obsessive overdraft fees and moving transactions to make account overdraft.
Product: Debt collection

This is the 2nd company within the month to contact me about the same non-existent loan. I filed a complaint with you about the first company, and you closed the complaint. I want action taken against these people. They make up a loan, threaten me with legal action, and then sell up the made up loan to someone else. They claim that Advance America gave me an in-store loan in XX/XX/2012, and I never paid it back. This simply never happened, and I have contacted Advance America numerous times about this, and every time they tell me there is nothing they can do about it, because it simply never existed. 

The company XXXX XXXX ( XXXX ) contacted me today, XX/XX/XXXX, claiming that Advance America hired them to collect on a loan, or to file litigation against me. If I did not call them back, they would consider that non-compliance, and take me to court. They never sent me any written communication, only a phone call. When I tried to get more information from them, they hung up on me. I had to call back 9 times to even get the name of their company, and another 5 times to get their website, as they would simply hang up on me. I want to file charges against them.
Product: Credit card

Southwest Airlines is running a credit card advertisement on their website that says faster way to earn status register here. It takes you to the credit card application. I have screenshots. XXXX here
Product: Checking or savings account

XX/XX/2023 approximately {$16000.00} was deposited into the accounts and pending transactions were doubled and withdrawn from the accounts causing overdraft fees. Overdraft fees were processed on the account before the 24 hour holding period. I have done my best to communicate this issue with no resolution and a loss has been detected. No funds have been returned. I was told that USBANK is holding funds but have not been reimbursed to the entirety. Approximately {$4000.00}. I have been told to dispute transaction with the fraud department but this is an internal issue and email complaints are falling on deaf ears.
Product: Debt collection

XXXX repeatedly calls in the early morning hours and/or late at night. I live with roommates and whether I or they answer the phone, the company does not respond even after being repaetly asked " Hello. Hello ''. When they do answer, they have once asked for someone not living at our residence and the other time, they hung up on my roommate before she could ask who was calling for me. The only reason I know its a debit collector is because I Googled the number.
Product: Checking or savings account

On XX/XX/2023 and XXXX XXXX I purchased 2 item from XXXX XXXX for the amount of {$480.00} each totaling {$970.00}. After a couple of days I realized, I no longer wanted the items and contacted XXXX XXXX to set up a return of the items where they provided me a tracking number to return the item. I successfully dropped off the item but XXXX XXXX has yet to send me a refund for the item almost 2 months later. I contacted JP Morgan Chase and they denied my claim twice despite providing details that I not only returned the item but XXXX XXXX even sent me a confirmation email confirming they would refund me but they never did. 

The claim numbers with Chase were XXXX and XXXX.
Product: Checking or savings account

Mind you with Illinois 's state budget impass and BMO Harris Bank located mostly in our region, this is how my story goes BMO Harris Bank online account displays a positive balance when logging in, which is accurate when you line up your quickbooks or bank register to reconcile. What you do n't know as an account holder is that you need to scroll through each and every transaction ( yes, I have screen shots and documents to show this exactly ), wether you are a personal or business account holder. Why? This is where the deception is : If you have a debit removed from the past few hours in your account and you deposit funds daily automatically, via ACH, cash, check, state comptroller, etc. BMO Harris will not only ignore your deposit ( even though the online account shows a positive available balance, they will return your item for a {$35.00} fee and unknownst to you, decide wether or not to charge an additional {$35.00} overdraft fee. So the next day you are confused on why your balance may be higher and items were returned. Stay with me it gets worse, now there is no human looking at your account ever, so if you miss this because you only looked at your online account balance, which shows a positive available balance, the next day is {$5.00} fee, and every day until you deposit more money to cover the $ 75+ banking fees. The sad and painful part is that the original item debited ( XXXX ) was only {$34.00}, but now cost you {$100.00} AND BMO Harris has not paid the item causing a second round of full fees. I called and visited a branch 30 minutes from my company this past week, not one familiar face was there, showing my ID again, mind you BMO opened my company in 1997 with a XXXX  XXXX. Are you as suprised as me that not one person in 20 years was still employed at the branch? XXXX on the phone said, " this is not a banking error, no fees will be removed. '' Because this has caused both myself and my accountant such confusion we stopped having payments removed automatically as of XX/XX/XXXX. It has been 18 days later and over {$1000.00} in banking fees between BMO Harris and vendors who I have reimbursed for their NSF fees. Unfortunately, I do not have the money to retain an attorney. I have called more than once, but to this day have had no resolution.
I have received two automatic replies on their chat and XXXX page ; Of course removing my complaint and not one person has reached out.
I bet this is a part of their business model learn from me, and use ANY other bank that lines up the accounts accurately with what is displayed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Related to claim # XXXX Over 10 days I deposited the check. 10 days that the check was cashed and US bank has not released the funds and now I did a 3 way call with XXXX they changed their story. 

They said that since I don't commonly make deposits from this issuer ( XXXX ) they have to hold the funds for 15 days to avoid scams. 

XXXX told them the check was cashed and funds released since XX/XX/2022. Today is XX/XX/2022 and " XXXX '' at Fraud department kept me on hold for over 33 minutes stating there is no manager or supervisors available as they work remote and they can't get a hold of one, neither by phone or chat and I will have to wait for the funds to be released. 

The service for this bank is extremely POOR. Their branch service is horrible.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Comenity about my Caesers Rewards Visa, I let them now I was going to New York & would be using my card for payment while in XXXX on XXXX XXXX. In XXXX on XX/XX/XXXX, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesnt match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING. I have never had a late payment, and just like that they permanently closed my account and tell me they cant reopen it. 

What I believe happened is when the woman resent the code the second time she actually sent a different code. After I got off the phone with them I saw I had received a SECOND message with a different code. I was NEVER told they would be sending a DIFFERENT code when they resent it nor did I have anyway to know when I received the first code that it was not the code they wanted since it was the first code I saw I received before I saw I was sent a second code. 

I was never told if you get this wrong while standing in the middle of XXXX without payment options, trying to figure out what is going on with your account that we are going to PERMANENTLY CLOSE your account. 

Mind you I had already confirmed my name, address, phone number, last 4 of ss number, last 2 payment amounts and the bank information those payments came from but apparently that wasn't enough information to confirm it was me. 

I asked to speak to a Manager and was connected to " XXXX '' who was rude, unhelpful, basically told me they were a bank and could do whatever they wanted and they werent going to open my account back up. I could have sent them photo ID, birth certificate, ss card, utility bill or other options if they had fraud concerns.