23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

WELLS FARGO BANK , N.A . refused to acknowledge any of my requests for information. I also provided them with a negotiable instrument which they refused to return. I cancelled their security interest in my property prior to the XX/XX/2019 foreclosure. The did not respond to my requests for information.
Product: Vehicle loan or lease

I am requesting an 1099-c for a car that was repossessed in XXXX. It is written on my credit as profit loss and charged off. Refuses to do a pay for deletion even tho this was a straw purchase and I only got the car for an ex of mine who in writing say she was going to cover the cost of the car, I provided the company with this, the. I asked for a 1099-c because they wrote it off on their taxes as if I got the funds. I either need the 1099-c or this needs be removed from my credit. Its fraud
Product: Debt collection

I C Systems placed a collections and theres 0 information on it. There has to be an error.
Product: Checking or savings account

XXXX and XXXX. I was told by Citi that my card was copied when I opened a dispute for ATM withdrawals. Citi banks system did not notice cash being taken from my account on a daily balance until my money was gone. This should have been unusual activity for my account as I do not use ATM 's to take cash. I am XXXX XXXX so I contacted Citi using online chat and TTY. Two of the transactions where at an actual Citi location so obtaining a photo from that location should be an easy task in order for us to know who used the card. It has been days and Citi still has not received those photos nor have I recovered my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following account that Transunion continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX  confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Transunion or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported on XX/XX/XXXX.
Product: Mortgage

I recently refinanced my home mortgage with the existing mortgage holder. Initially I had been told that I would be able to transfer my current escrow account from my old loan to new loan. This was the deciding factor on why I stayed with the same company. 

Just prior to closing, I received a call from XXXX XXXX stating that SLS required the escrow amount for the new loan up front and they would refund me the current balance XXXX {$3900.00} XXXX after the loan had closed. 

I have learned today that {$1500.00} of the prior escrow will be refunded and the remaining balance was transferred over to the new loan ; s escrow account. This contradicted the agreement where I had to front the escrow funds and would receive the current balance back afterwards. 

I called SLS today and was told they had no idea why this had been done like this and it was not normal. the representative indicated that she would request the escrow account to be evaluated to determine why it was not processes as agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing challenges I have faced in attempting to correct inaccuracies on my credit report. Despite multiple efforts to rectify the situation, late open accounts and public records persist on my credit file, adversely affecting my creditworthiness. 

I have attached copies of my credit reports highlighting the specific late open accounts and public records, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the late open accounts and public records remain on my credit report, causing unwarranted damage to my financial standing. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I kindly request that you conduct a comprehensive and expedited investigation into this matter and promptly correct the late open accounts and remove the public records from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, detailing the steps taken to resolve the inaccuracies. 

If my concerns are not addressed within the specified timeframe, I will be left with no option but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open accounts and removal of public record in my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Student loan

they keep raising my interest rate and i 'm constantly paying every month and my balance isnt going anywhere as majority of my payment goes to interest and not principle. they keep raising and raising and not telling me. just seems near illegal. I call them to help and they do nothing. i know they are getting sued by the government. i was told file a compliant thats all i can do for now.
Product: Student loan

I have been paying on my student loans since XX/XX/XXXX when I graduated. I had them in forbearance for a while so I understand that interest still accrues during that period. I started paying regularly since approximately XX/XX/XXXX. Recently I have been paying via automatic debit more than the monthly amount to try and get this paid off. Each payment that I make has a different amount applied to principal and interest even thought I make the same payment amount on the same day of the month every month. Some months the differences seem quite dramatic.
Product: Credit reporting or other personal consumer reports

My consumer report has several inaccurate accounts reporting. I have sent in several disputes and requested the accounts be deleted for violating the FCRA. These accounts are still reporting and should have been deleted. If these accounts are not deleted from the reinvestigation of these accounts, I will be seeking remedy for damages under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an XXXX XXXX account open in my name or a similar name to mine, and I, on the other hand, never make a late payment. I always have paid my debts, and times I do not have any cards that I was late, so this is ridiculous to let this go that far. Plus, I never opened her XXXX XXXX. Its not my account, and I do believe that this account belongs to my former roommate, XXXX XXXX XXXX, who either used my name when he opened it or just added me as a co-signer. It seems like the credit card was open in XXXX or XX/XX/2020, and its got defaulted, and XXXX or XXXX, and the credit limit shows XXXX, but the balance shows almost {$6000.00}. Would you please help me to take it off my credit report? I did try contacting credit report and agency Experian, and they twice to do told me that its going to stay the way it is, which is ridiculous. Would you please help me? Im just trying my best to live in these challenging times without any problems, and I dont need this in my life right now. Would you please help me
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC. is reporting within my credit file inaccurate/incorrect information. Although the company only has three ( 3 ) accounts listed on my entire file, they also report seven ( 7 ) negative accounts within my file. After completing a thorough investigation of all categories of accounts such as " revolving '', " mortgage '', " installments '', and " other accounts '' there are only three accounts listed, which contradicts their claim that states I have seven negative accounts within my credit report, as being reported not them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please delete this account because I have no knowledge of it! I am a human being and my report is being used incorrectly Account name LVNV funding LLC No account number shown on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00}
Product: Debt collection

Pre abritration XXXX XXXX Regarding CFPB Case XXXX XXXX XXXXXXXX Reference Numbers : XXXX, XXXX, XXXX, XXXX. 
Hope this letter finds you well, Thank you for response. I am writing this letter to LVNV Funding LLC ( LVNV ) who currently owns the XXXX accounts XXXX, XXXX, XXXX, XXXX, XXXX was referenced in the inquiry. XXXX out of XXXX accounts were updated and deleted. Account XXXX was not addressed the account needs to be deleted. I also would like to thank you for investigating my fraud claim for identity theft is a serious concern. 


LVNV FUNDING LLC has also failed to arbitrate, and claims were brought in courts regarding Accounts XXXX and XXXX, which encountered a Summons and Complaint in XXXX XXXX XXXX XXXX While XXXX number XXXX was dismissed without pre-justice, based on my claim of your failure to arbitrate, Case number XXXX is still ongoing. These claims should have never been bought against me, this failure to arbitrate not only breaches contractual arrangements but also violates relevant federal law under 9 U.S. Code, Section 4. The situation has resulted in severe XXXX XXXX XXXX XXXX and a substantial XXXX toll. Both court cases were initiated against me in XXXX, impacting my XXXX XXXX birthday and the XXXX season. This is harassment according to FDCPA 15 US code 1692d. All accounts are in violation. 
Respectfully, XXXX XXXX
Product: Checking or savings account

Hello, I notified Santander Bank on XX/XX/21 regarding XXXX XXXX atm withdrawals made on debit card whicht totaled {$2500.00}. I filed a fraudulent claim with the bank as well as filed a police report regarding these fraudulent atm withdrawals. I received a letter from Santander dated XX/XX/21 which stated that my claim was denied due to no error by the individual who used my pin. I vehemently protested this as I let them know I would never share my pin for the debit card intentionally to anyone. I re-filed my claim on XX/XX/21 wwhich was also denied per the conversation with a santander claim 's representative on XX/XX/21. I have re-filed once more with Santander on XX/XX/21 who have notified me that this will be last attempt with this claim.
Product: Credit card

I was charged {$100.00} for a year 's subscription to a service called XXXX, which I did not sign up for. I filed a dispute with PayPal Credit/Synchrony Bank on XX/XX/XXXX. They replied on XX/XX/XXXX that I authorized the use of PayPal credit for the charge when I did not. I contacted them again on XX/XX/XXXX, and they stated that XXXX said I converted a trial membership, which I did not. 

PayPal email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit card

My mother opened a credit card with XXXX in XXXX and told me that she had added me as an authorized user. I have never owned a card or charged anything on the account. Earlier this year, my mom started consulting with XXXX XXXX XXXX to lower her interest rate to pay off her debt with XXXX. The advisor at XXXX informed me that I was listed as an authorized user on my mom 's XXXX credit card and was not needed or listed on their agreement with my mom. We were told to then filled out a " statement of responsibility '' to have my name removed as an authorized user from my mom 's account. XXXX updated my married name, address, etc ... to my mom 's account, but refused to remove me. They stated that I was a joint account holder, but it was reported to XXXX  that I was only an authorized user. I then requested the original credit card application, the credit agreement with terms, and the required credit card disclosures ( since I have never received them in 24 years ) and they refused to release or send them to me.
Product: Debt collection

Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX  attempting to collect a debt that I owe to XXXX XXXX XXXX for {$400.00}. I was unfamiliar with this company and nor any debt that I was owed. I called the debt collection agency and Informed them that I was not this person they were looking for and to stop sending me letters. A couple of months pass and I received another letter with the same information and amount. I then saw the ability to respond by disputing the debt and checked this wasn't my debt and to send me more info about the debt that I was being accused that I owe. They responded and then sent copies of a bill around XX/XX/XXXX with more info about the company. The company was XXXX, which seems to be some internet company. I've never interacted with this company and the address that was used was an address that I've never lived at nor have been too. I believe the XXXX account was made around XXXX. I don't know anyone who lives at this address. I called XXXX again and informed them that I'm certain that this isn't my debt and to stop sending me letters. I was informed that they would need a cease and desist faxed to them in order to stop the letters. I made the cease and desist and faxed it. Around XX/XX/XXXX I then received a debt collection letter from Credit Controll LLC attempting to collect the same debt that XXXX tried to collect. I assume they had sold this debt to another debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I contacted Nelnet in XX/XX/XXXX to confirm that my student loan was still in forebearance after the loan was transferred to Nelnet from XXXX XXXX ( due to Sweet vs. Cardona settlement ). I was advised by Nelnet ( in XX/XX/XXXX ) that my loan would continue to be in forebearance as the loan documentation showed I was part of the Sweet vs. Cardona settlement. I received a statement from Nelnet in late XX/XX/XXXX showing I was now in 'payment ' status with a payment due in XX/XX/XXXX in the amount of {$1200.00}. I sent two emails to Nelnet ( XXXX XX/XX/XXXX and again XXXX XX/XX/XXXX ) advising that I was part of the Sweet vs. Cardona settlement and that my account should still be in 'forebearance ' status. I have not received any additional information from Nelnet - other than that my payment for {$1200.00} is late and I now owe {$2400.00}. My original submission for borrower 's defense is dated XXXX XX/XX/XXXX, and to date, I have not received any information from the Dept. of Education other than a letter dated XX/XX/XXXX advising me about the Sweet vs. Cardona settlement.was an option to consider. In addition to repayment, I have bank statements and 1098 forms issued from the Dept. of Education showing payments I have made from XXXX through XXXX on my student loans- and none of this payments are reflected on the Nelnet payment website. The total amount is $ XXXX - which, according to Sweet vs. Cardona settlement, is due back to me.
Product: Consumer Loan

On or about XXXX 2013, I completed my payments to American Honda Financial ( AMF ) account XXXX. I delivered the car per received instructions to a XXXX dealer located in the city of XXXX XXXX, California. At that time the vehicle was inspected and I was release of all obligations under this contract. A couple of weeks later, the American Honda Financial contacted me requesting information about the whereabouts of the car. I disclosed the information and they were unable to locate the vehicle for days. When the vehicle was finally located, AHF requested a payment of {$5200.00}. Since then I have requested information on why I owe this money, AHF has been unable to provide a detail explanation of the a ledge debt. Per my contract with AHF, I have fulfilled my obligations, now, my credit report has been affected by the unilateral actions of AHF.
Product: Credit card or prepaid card

I opened this credit card to help boost my credit score, after receiving the card I never used the card or spent any money from the card After checking my credit report I seen the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX  Closed This means that for 3 months I was listed as past due
Product: Student loan

Every month I set up to do payments manually and it still says I'm late on my payment. I set it up automatically and it never goes through. I have the payment confirmation emails to prove it. They literally are ruining my credit over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX XXXXXXXX, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. XXXX XXXX XXXXXXXX is flagged on my Chex Systems account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with XXXX XXXX XXXX XXXX.