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

I have been a Wells Fargo customer since around XX/XX/XXXX. After switching to XXXX XXXX in XX/XX/XXXX due to bad experiences I had with Wells Fargo, I still had a credit card open with them ( WF ), so I set up monthly automatic payments and left it to be paid off. Around three months ago I saw a letter informing me that my account was over 90 days past due and delinquent. This was the first notification I received. I didn't receive a letter, phone call, voicemail, or email informing me of the status of my account before that time. 

After receiving the letter in XX/XX/XXXX, I called Wells Fargo to speak with a manager. I was told one was not available. I call again at a later time and was once more told that there was no supervisor available to speak to me and that I could leave a voicemail and get a return call. In the end, they never returned my call regarding these issues. As a consumer and customer this was incredibly frustrating as well as surprising because never in my life have I not been able to speak to a manager of a financial institution upon request, especially twice. 

After doing some research and discovering that I am not alone with these issues, I decided to look into how to make a complaint and correct the damage to my credit that was done by this. But before I did so, I made sure to call Wells Fargo again to see if they were going to rectify the mistake. 

I felt powerless in the situation, so when I called yesterday ( XX/XX/XXXX ) I tried to work with them. I informed them again of the issue and said I would be willing to pay off the full balance of the account so long as they corrected the status of the account to Paid as agreed upon. They said they have no such option to do so. I also asked about possible settlement options because there was no way I was going to pay hundreds of dollars in late fees simply due to this issue that I am not fully at fault for. 

I even ask the manager I spoke with, XXXX ( Employee ID # XXXX ) to provide me with information regarding their attempts to contact me because I wanted to verify those efforts. He told me he would not do so because " if I were to sue Wells Fargo he didn't want to provide me with a stronger case. '' and that I would have to " get a lawyer and a warrant. '' I feel that I was treated this was because I no longer have a good financial relationship with Wells Fargo. That is, they are no longer my main bank and I could sense that I would have been helped further if this wasn't the case. It was clear they were not willing to correct this mistake, or even to admit they made one, so this is the first complaint I will make to give them an opportunity to fix it. 

This whole situation has been absolutely unacceptable. There has to be a certain amount of accountability on them to notify me of the status of my account, which I do not believe they made a bona fide effort to do. I should not have to, nor will I, pay this balance until I am given, in writing, a statement that it will be fixed and reported to the credit bureaus accordingly. 

Thank you. 

Sincerely, XXXX XXXX
Product: Credit card

I aquirred a new citi bank credit card from costco on XXXX/XXXX/16, the card did not work due to costco issuing me a new card in XX/XX/XXXX & changed my costco acct. # & not putting the new # on my new credit card. I went to costco & fixed the problem, I tried to contact citibank on XXXX/XXXX/16 & was hung up on 3 times, then put on hold for 48 mins. XXXX/XXXX/16 tried to call ( XXXX ) again to resolve my problem waited 85 mins on hold., I finally hung up. I finally spoke to a live person on XXXX/XXXX/16 to have new cards with my new acct. #. My cards arrived on XXXX/XXXX/16, but my card was duplicated, & my wifes card was not sent. I called cust serv again & only waited 33 mins for a mgr. to finally resolve my issue. Why does the customer have to go this circus just to get citibank problems resolved. I sent this same letter to cust serv, all I got was a SORRY, but they keep charging that interest charge with pathetic customer service.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 card or prepaid card

Back in XX/XX/2019, I reviewed my person credit report because I wanted to know if I could qualify for Home Equity loan. This is my first time that I took my time to review every accounts on my credit report. I used to let bank or lenders to just run my credit report and notify me the result, so I did not exactly know what was in my credit report. 
After the careful review, I come to realize that there are several credit card accounts and one personal loan account that I did not make. I am very certain that I have never given my family members or friends to obtain these loans for myself. I have concluded that I am a victim of an identity theft. 
I reported this issue to Federal Trade Commission and to the police department already and filed identity theft reports. 
Also, the problem was reported to all three credit bureaus. Most accounts that were involved with the crime were removed successfully from my credit report, but Bank of America and XXXX from XXXX XXXX are still being reported on my credit report. 
I have reported these accounts to be fraudulent directly to the credit bureaus and to the creditors. All parties are ignoring my statement and two official identity theft report and continuing to post these fraudulent accounts. 
I have made proper request to validate these accounts by creditors or the credit reporting agencies to provide me with the following documents. 
A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents. 
The creditors are attempting to collect the debt that they can not and will not verify and validate. This is a clear violation of FDCPA and FCRA. 


BANK OF AMERICA - XXXX BANK OF AMERICA - XXXX XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied the company with the appropriate documents and they have not responded within 30days.
Product: Credit reporting or other personal consumer reports

This letter serves as my final notice regarding your agencys ongoing failure to comply with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report ; however, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to validate the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, in violation of 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment under 15 U.S.C. 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, yet the disputed accounts remain on my credit report. These accounts are not only inaccurate but also unauthorized by me. No valid contract exists, and I have never provided written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Mortgage

On XXXX XXXX, 2015, we made application for a refinance mortgage from Ditech Mortgage Corp. They requested documentation which we supplied, and were given preliminary approval. On XXXX XXXX, 2015, at Ditech 's requirement, we paid an appraisal fee of {$440.00}. They then requested more documentation, which we submitted. Today, Ditech informed us we need to show a one-month 's cash reserve of the mortgage payment ( including tax and insurance escrow ) in the amount of about {$850.00}. Since paying the appraisal, we no longer have that much in reserve. Ditech informs us that this is an FHA requirement. That means they knew of the requirement BEFORE they required us to pay for the appraisal, but they did not disclose that requirement. Consequently, we believe we have been defrauded of the {$440.00} appraisal fee, unless they go ahead and fund the mortgage or refund the fee to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : In XX/XX/XXXX I leased a vehicle through XXXX for a 3-year term. At the end of the term in XX/XX/XXXX, I returned the vehicle to the dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received my paperwork that nothing further was owed. 

Several months later I received a letter from XXXX that my lease was up and to return the vehicle. I was surprised and VERY concerned, because the vehicle was returned by the lease end date. When I called XXXX, I was advised that ( to the best of my recollection ) an employee had committed fraud on the company and the vehicle was entered into the database as not returned. I was advised, again this was approximately XX/XX/XXXX, that the matter would be taken care of. 

Fast forward to just recently when I pulled my credit reports, and to my shock the XXXX account is still reporting as Open with a monthly payment of {$480.00}, and a {$5600.00} balance ( see attachment. ) It is also reporting derogatory as a chargeoff, and " Comments '' are misleading, at best. While one comment states " balance owing '', another comments states " ... ENTIRE PAYMENT SCHEDULE COMPLETED FOR TERMS OF AGREEMENT. '' The fact that this account is reporting as Open with a balance and high monthly payment is going directly to my Debt to Income. That coupled with the fact that it is also reporting derogatory as a Chargeoff is causing me to be denied credit and has cost me thousands over the years in high interest rates. I am demanding that XXXX take care of this matter IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I tried to buy concert tickets via cash app with my wells fargo bank account. I sent the month and never received my tickets. 

Date : XX/XX/2019 Amount : {$400.00} I emailed support at XXXX XXXX and they told me to contact Wells Fargo. Wells Fargo told me to contact XXXX XXXX.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX, make the following statement ( s ) in support of an official complaint against Capital One NA. For the past 10 Years I maintained XXXX XXXXapital One Credit Cards, ending account # XXXX XXXX and XXXX and during that period was never a late payment. 

On XX/XX/2022, I spoke to a Capital One Representative and requested they close both my accounts ( # XXXX & XXXX ) and requested a payoff for both credit card accounts ( # XXXX {$2400.00} & XXXX {$330.00}. While closing both accounts I electronically sent stated amounts above ( XXXX XXXX XXXX # XXXX XXXX & XXXX records of XXXX XXXX XXXX XXXX ). 

Approximately XX/XX/2022, XXXX XXXX XXXX XXXX sent me a message concerning my credit report and a late payment to Capital One credit card # XXXX. Since that date, I have contacted Capital One Customer Service ( First Name : " XXXX '', XXXX, and XXXX others Unknowns ) and explained that I closed both accounts on XX/XX/2022, and requested they correct their credit reporting and that they were not diligent in closing said accounts, cause negative and inaccurate credit reporting as to this matter. 

Furthermore, I submit that on XXXX XXXX, XXXX, Capital One sent me a refund for overpayment as to Capital One account XXXX, which further illustrates that they failed to account XXXX as requested on XX/XX/2022. 

In XXXX, I received another credit card from Capital One for account XXXX, which I did not request. Again, my XXXX attempted to resolve this issue with a Capital One Supervisor, and she suggested that it was my responsibility to contact every person, pharmacy business, etc that my account was closed, in lieu doing their job. 

I respectfully request you investigate this matter and/or refer to the responsible parties for disposition. I will not be corporate bullied and have made numerus request for their civil attorney of record.. and I consider it a enormous waste of time, and lets be clear, I will not stand down.. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ph : XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters from bureau stating Im using a 3rd party which is not true. 

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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I have asked to proof that the debt is accurate. ( XXXX : pictures of alleged damages ), notice of right to dispute debt. I was told I would receive in 30 days and that was months ago and still have yet to receive anything. Have called multiple times and was hung up on or told to leave message and no return phone call. Asked to speak to supervisor and was told I could not speak to supervisor and hung up on. I have tried to dispute on credit reports but it gets declined saying debt is accurate but yet no proof of anything to prove debt is accurate. I even had a lawyer to reach out to both the National Credit Systems Icn and the owners of the apartment complex Southern Residential Management who sold my debt to the debt collectors. Neither one responded.
Product: Vehicle loan or lease

I got a truck at XXXX XXXX in XX/XX/2022. I stated I am the beneficiary of this purchase and signed with my beneficiary signature, see attached documents. GM Financial approved the purchase. Upon receiving the contract in the mail, I went and added my terms and had it recorded in the courts so it is a legal contract. GM Financial has received the contract and refused/ignored it. I called multiple times. After being transferred to the XXXX person on XXXX call, I gave the man the Certificate of Record number along with the number under the barcode at the top of the page. I asked them to review it and call back, which they never did. I called back approximately a week later and spoke to another woman. She said she knew nothing about this stuff, but she was able to pull up the contract in my file and read it. I tried getting a phone number to the legal team or CFO but was refused.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

We purchased a home using a VA loan from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase, we were only required to have hazard insurance. We even have disclosures indicating that no other insurance was required. Seeing that we live near XXXX Texas, we thought it prudent to have flood insurance so we purchased that as well. Around XX/XX/XXXX, we received a letter from XXXX  that the loan as to be transferred to NewRex LLC DBA Shellpoint Mortgage Servicing ( NR ). Shortly after we received our " welcome package '' from NewRes with a letter telling us about the transfer and where we could submit our next payments. There were no other indicators that anything we amiss with our mortgage. Nearly a week after XX/XX/XXXX, we received a letter from NR indicating that they did not have a current copy of our homeowners ' insurance. We immediately complied by sending them proof of our coverage. Shortly after XX/XX/XXXX, we received another letter indicating that they did not have proof of our flood insurance. Mind you this was not required when we purchased the home, nevertheless, we had it anyway so again we submitted proof of coverage immediately. About 2 weeks after XX/XX/XXXX, we received yet another letter indicating that we did not have wind insurance ; and again, it was never required and in this instance, we never purchased it. I received the letter sometime at the beginning of XXXX and at that point, COVID-19 was in full swing. It was increasingly difficult to reach anyone on the phone at NR to question why all of a sudden we were required to have wind insurance when there were no indicators that this was a requirement previously. I called non-stop and email incessantly but was not able to connect with anyone. towards the end of XXXX, after I received our 2nd notice related to the lack of wind insurance, I bit the bullet and purchased it opting to fight with NR about it later. Today, XX/XX/XXXX, I received yet another letter from NR ( dated XX/XX/XXXX ) that since I did not provide proof of coverage that they purchased it for me, back-dated it to XX/XX/XXXX, and billed me more than 3 times the cost of the coverage I had purchased for the property. We sent the proof of coverage about a week before this letter was generated as still they are trying to hold us liable for coverage backdated to a point when we had no idea we were even supposed to have it. They never notified us back in XXXX that this was even a requirement and now are trying to make us pay for their mistake. The prorated amount they are demanding we pay is more than the entire annual payment of our current insurance premium.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The below complaint was filed with the CFPB against CCS, they claim their client confirmed amount is correct but have not shown any proof of such. Also, a payment was mailed soon after cancellation date. A prorated amount was generated and payment was mailed in form of a money order. It appears payment was either lost in the mail or intercepted by a third party, there is no copy of money order available to provide. I submitted the below complaint prior as it appears XXXX XXXX is attempting to collect when payment was sent and an incorrect amount, does not appear prorated. 

CCS claims I owe an amount of {$1800.00} to XXXX XXXX for auto insurance policy which was canceled soon after the policy was purchased. The amount is the down payment to start policy which I believe includes two months of coverage, possibly first and last month, I am not certain. The policy was canceled soon after purchase date, I believe a week or two after. It appears XXXX XXXX has not adjusted the amount to reflect cancellation, did not pro-rate it. Further, several attempts were made to debit my account for amount despite cancellation prior. These attempts caused several overdraft fees which I was not reimbursed for and I believe XXXX XXXX is responsible for as it is in their error for making attempts. Needless to say, I do not owe full amount and am disputing it as again, it does not appear to be pro-rated, {$1800.00} is an unusually high amount for a down payment even for two months of coverage. I suspect XXXX XXXX is adding on bogus fees to inflate the balance further. In closing, please advise CCS I will not pay such a high amount, it needs to be adjusted to reflect correct amount as well as overdraft fees.
Product: Mortgage

Myloancare.com has been affected by a cyber security issue and has not been running for a month. Everyones loan is going to be late/ extended because they are refusing payments and advised not to mail checks. No official words sent by company on how they are going to handle late fees/credit bureas etc. Please help us. We shouldnt be punished because of theyre refusal to acccept payments.