23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is in followup to Complaint ID XXXX, which i submitted in XX/XX/XXXX. Details can be found therein. I have tried to work diligently with Wells Fargo for well over a year to address the small business credit cards Wells Fargo opened and assigned me personal liability. The account opening documents they provided me as evidence contain signatures nowhere close to my signature. I have documented the following details to Wells Fargo : 1. I was unaware of any application for their credit cards 2. The signatures attributed to me on the application forms, which they provided me at my request in XX/XX/XXXX, well after the accounts had been shut down, are clearly not mine. 3. Wells Fargo never contacted me to verify the applications before approving them. 4. I never activated or used any of the cards issued. Despite explaining these points to Wells Fargo multiple times in writing, Wells Fargo continues to insist no fraudulent activity occurred, and claiming i am responsible for charges on the cards they issued. Wells Fargo has avoided responding to the following points : - The signatures on their application forms are not mine. How could their employee possibly be unaware the application contained forged signatures? - Are n't employees required to verify the identify of an applicant by checking a picture ID? If not, why not? - How does Wells Fargo know its employee was not complicit in submitting a fraudulent account in order to meet a sales goal? - Did Wells Fargo have no controls in place in its account opening process to ensure the applications they receive are valid? Why was i not contacted to verify the application? Please help me to obtain resolution of this issue. Simply funneling my complaint on to Wells Fargo, then closing this claim, which you did in XX/XX/XXXX, obviously was not sufficient. Do let me know if helpful for me to provide you copies of communications between Wells Fargo and me regarding this issue.
Product: Credit reporting or other personal consumer reports

The accounts in question listed on my document shouldn't have been reporting late payments. XXXX of the accounts on the document was already closed out but still reporting late payments XXXX XXXX XXXX again.
Product: Debt collection

I am XXXX XXXX XXXX and do not have any debts. My cell phone number is XXXX, which I have had for 10 years. I get lots of calls from XXXX asking to speak to XXXX and saying my cell phone number is hers. On XXXX XXXX, 2017, I told them I was not XXXX, but they keep calling. They have called at least 7 more times. I am very busy at school and do not appreciate these harassing calls.
Product: Mortgage

On XX/XX/XXXX I walked into the chase branch XXXX to pay off the mortgage balance of {$49000.00} with a cashiers check. The teller incorrectly applied the payment to an auto loan with an excess of {$27000.00}. They have not been able to return the payment to apply it to the mortgage. I need this payment to be processed in order to close on another mortgage TODAY. I have spent countless hours trying to resolve this and no one can reverse the transaction until next week and they hold the money another 10 business days.
Product: Credit card or prepaid card

I opened an account with Americal express in XXXX this card was XXXX XXXX which was recently upgraded to XXXX XXXX preferred with a credit line of XXXX. The second card was opened in XXXX it was a Delta Airline Amex Gold credit card with a total line of credit of XXXX. By the start of XXXX, I checked my credit report and it showed my limit on Blue card preferred is XXXX/XXXX and Delta Golds card is XXXX/XXXX. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. 
Amex has been notorious about this recently. My point is in case of any financial crisis this company will further kick you the edge despite having an excellent payment history, no missed payments, and no loyalty benefit even no courtesy call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

A payment toward my auto loan in the amount of {$620.00} was made on XX/XX/19 ; I received the attached confirmation e-mail. I then received an email on XX/XX/19 ( also attached ) which showed my account was in good standing. Unfortunately, my checking account number was incorrectly auto-populated via the BB & T online payment platform ( I do not, and have not previously, manually entered this number ). This resulted in return of payment on XX/XX/19. 

I did not receive notification from BB & T that my payment was returned. The national customer service line stated a call was placed to a ( XXXX ) number to alert me, however, I do not ( and have never had ) a number with that area code and, if a number with that area code was associated with my account it too was in BB & Ts error. Had I received notification that my payment did not process successfully I would have immediately rectified this, and have not had prior returned payments before. 

Consequently, BB & T reported this as a delinquent account to the main credit agencies and my credit score declined 80 points. This occurred while I have been attempting to obtain a mortgage to purchase a home via a physician loan ( requiring a credit score over 700-720 ). I immediately notified BB & T, completed payment, and filed disputes with the main credit agencies. 

In discussion with BB & T, they agreed I had made every possible attempt to pay my bill in a timely manner and were unable to explain the error in my account number. They had assigned an individual ( XXXX XXXX ) in their credit department to notify the credit agencies that my account was not delinquent who did not do this. Numerous representatives from BB & T have acknowledged over the phone to me that their system may have been at fault. 

BB & T has now notified me that they will not proceed with doing this ; leaving my credit ruined. They have claimed they notified me by phone ( at an incorrect number belonging to another customer which I did not input to my account ) and by mail ( in a letter mailed on the same day they reported to the credit agencies initially, guaranteeing I had no recourse to dispute the matter beforehand ). They have further refused to allow me to speak to anyone in their credit department to gain clarification regarding why they are now refusing to honor their agreement to remedy the situation, nor to provide me with any next steps I can take to resolve the matter. 

I have lost significant time from work trying to rectify this issue, have had to pay for temporary housing which I have now had to extend, and have missed the opportunity to secure a mortgage to purchase a property. I have been given numerous incorrect answers, contradictory updates, and stonewalling by various BB & T representatives both nationally and locally. And I have previously experienced numerous IT failures with the BB & T online banking system which, evidently, have gone uncorrected.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a pair of boots for {$840.00} from XXXX XXXX XXXX store and paid with my Bank of America Visa Credit card.After 3 times of wear boots started to fall a part and store declined to exchange or refund. 
XX/XX/XXXX after numerous attempts to resolve this issue with the storeI I open a dispute with an assistance of my Bank of America Visa dispute department hoping that they will protect me and advocate this case as I consider it a breech of warranty.The bank opened a dispute and without any investigation closed it on XX/XX/XXXX no additional information were requested from me.I asked to reopen the case because the supervisor told me that it was an error and they failed to request additional information.She reopened the case, I faxed all supportive documents and on XX/XX/XXXX I received a letter stating again that the bank can not resolve the issue.No investigation was conducted again. 
After I told that I do not have the boots in my possession and I left them with the store and I am refusing to accept repaired merchandise for which I paid {$840.00} and I am out of my money, I was told they will investigate it further.Finally I was issued a credit and the letter stated that the merchant has to respond within 60 days.On XX/XX/XXXX I received again the same letter that the merchant 's return policy is only for unused merchandise and the bank is denied any further assistance. 
I consider it a violation of the Truth in Landing act and Fair credit billing act.The merchandise is a poor quality and failed to perform and I am out of my money and trust as a customer to Bank of America Visa card for denying to protect me as a customer.
Product: Debt collection

Received certified lette r ( s ) Planet Home Lending LLC   XXXX   XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . on or about  XXXX / XXXX /  XXXX   threatening asset forfeiture proceedings within 90 days if I do not either pay them {$320000.00} or bring a non-existent account current.     My current home mortgage rests with  XXXX   XXXX   ( t o the best of my knowledge ), and the amount of that mortgage is approx. {$220000.00} In the documentation they sent me via certified mail, the claims of : {$320000.00} / This is about {$100000.00} more than my current mortgage with  XXXX   XXXX  The threat to seize my assets ( though there is currently no contract between myself and or any of these entities ) The Declaration Page of the Foreclosure Loss Mitigation Form ( attached ) claims to be a true and correct copy though the document has clearly been altered.     They also claim that they legally represent the note holder, and  they may.  But they have provided me with no proof of that and have not met  XXXX  requirement according to the  UCC 3-501 Verification Standards.      Without or until they provide verification, they have violate d : USC 18.2071,2073 .   Between  XXXX  &  XXXX  (   XXXX   XXXX    ),   The goons they use for surveillance of my propert y ( Lic. plates are  XXXX  ), Planet Home Lending &    XXXX   XXXX   XXXX  (  Both  XXXX   ),  thats at least  XXXX  individual parties.     Sending false documents through the mail also appears to v iolate USC.18.1961, and I  have filed a formal complaint with the  XXXX   XXXX   XXXX  of this possible violation.
Product: Mortgage

On XXXX XXXX 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on XXXX for sale. I contacted RCS mortgage Inc on XXXX XXXX 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On XXXX XXXX 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by XXXX XXXX XXXX to list the home and the emails are attached ( XXXX Pages ), she forwarded the emails to me and I am faxing to RCS. I called RCS mortgage again on XXXX XXXX 2015 and spoke to XXXX and explained this situation again and she needed me to fax in the documentation so RCS could follow up on this situation, she stated that RCS would send me a letter after receiving my fax with the documents to let me know that status of their inquiry. I have been paying RCS for 4 years, do not understand why XXXX XXXX XXXX is doing any action with my loan. 
I have contacted and reported this action to the consumer finance protection board and contacted an attorney to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXXXXXX XXXX XXXX XXXX XXXX are reporting old impermissible addresses upon my consumer report that my data could be mailed to and possible Identity theft can occur Old Addresses that are impermissible and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX XXXXXXXX ILLINOIS XXXX THIS ADDRESS IS NOT MINES NOR HAVE IT EVER LIVED AT IT AND I BELIEVE ALL OF THEM ARE SENDING/REPORTING MY PERSONAL DATA TO THIS ADDRESS FOR POSSIBLE IDENTITY THEFT ISSUES THAT MAY OR MAY HAVE OCCURED : XXXX XXXX XXXX XXXX XXXX IL XXXX, THIS ADDRESS NEEDS TO BE REMOVED COMPLETELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a police report and FTC report for items that are listed on my credit report that do not belong to me. I have attached the documents.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got the account on XXXX XXXX, XXXX. I did not intend to sign up for the card.One of the employees closed my account without my consent. I had expressed my concern about the account to the employee. She told me that closing the account will not be possible until the balance is paid off first. She told me to call back in a few days to confirm about the account. On XXXX/XXXX/XXXX I have n't paid the balance off yet because I have n't gotten the statement in the mail and I just received a letter saying the account is closed.I have yet to get the actual card in the mail also. We never confirmed anything and there was no talk about a letter coming in the mail about how the account is closed. Not only I got my credit pull for the card, I now have to worry about a closed account with a balance ruining my credit score. I will be paying the balance off tomorrow morning.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX INQUIRIES : XXXX XXXX  XXXX XX/XX/year> ACCOUNTS and INQUIRIES Letters As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.
Product: Debt collection

On XX/XX/2023, LNVN Funding received a police report and an identity theft affidavit via certified mail # XXXX ( see proof of delivery attached ). After speaking with Representative, I was told that nothing had been received and therefore no actions would be taken regarding the debt. 

LNVN Funding is not in compliance with FCRA because they are ignoring the police report and identity theft affidavit that was received.
Product: Credit card

Date : XX/XX/XXXX I have been trying to get my statement close date changed to better suit our financial needs. I have called twice in XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After multiple attempts, they still have not resolved the statement close date request. Each time I have called there is a different policy recited to me. the corporate office has done this as well. They change the policy to suit their answer. They arbitrarily picked a close date without my permission, changed it to that date without contacting me, and did not use the date provided and requested. To date, I have not received one phone call back from all the dates listed above except once. It is still not resolved.
Product: Debt collection

They are saying I owe them money I paid them but they keep saying I owe them money I figuring this is a scam is there any way I can get my money back I have more receipts
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate but the reporting dates are wrong each account has been closed due to fraud.

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 # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXX BANK XXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXXXXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED BY COURT ORDER SETTLMENT 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 16 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.

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 conviction 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 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

My Personal information was stolen XX/XX/year> and used to open up unauthorized Credit Cards and Loans, XXXX XXXX XXXX XXXX {$3500.00} / XXXX XXXX XXXX XXXX XXXX {$10000.00}... I reported these illegal fraudulent activities and the company insist that I am held accountable and keeps contacting me to pay this account debt.
Product: Student loan

Hello, Thank you for reading this. 

I applied for XXXX with XXXX  in XXXX of 2022. I have been getting denial letters. I then applied for mohela, but can't get a loan count from them. I don't know what to do next. Most recently, fed loan sent me a letter saying that I have to resubmit my paperwork because my employment start date is after my employment end date. This is not true, my paperwork is fine. 

I tried calling mohela, but they said they don't have my loans yet, and they are not sure if my paperwork is correct or not. Initially, they said the paperwork was fine, but then they said it all had to be resubmitted because the signatures were too old. 

Can someone help me with both XXXX XXXX and mohela. Thank you.