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

Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX  Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX   there are about 1000 soft inquries
Product: Student loan

On XX/XX/XXXX ( XXXX ) I logged into nelnet to check that my autopay had functioned correctly. I saw that I had no autopay scheduled ( even though I did ) and my payment was marked as late. In a panic I made a manual payment, but no harm done at this point. Today ( XX/XX/XXXX ) I checked my bank account to see XXXX payments made to nelnet. 

Their autopay system is a joke, and who knows how many countless people they are putting in financial harm with double or more payments. I am currently going on hour 4 of being on hold with no end in sight. A quick XXXX search shows me I am not the only person with this issue.
Product: Credit reporting or other personal consumer reports

I have not been supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I may presume that no proof of alleged debt, nor therefore and such debt actually exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. On XX/XX/2023, I made a shipment for a family member from the United States to XXXX for a value of XXXX dollars with the Remitly application, the money was for express shipping. The money did not reach my family member and they told me later that the money would arrive on XX/XX/XXXX XXXX XXXX in the  XXXX  to my family member, but that was not the case either. I contact Remitly to cancel the transfer, they cancel it and it is the time that they have not returned my money for almost 1 month. They told me that in 10 business days the money would be in my account and this is the date that was not the case, I contacted them and they do not give me an answer, they just ask, they tell me that the money is in my bank and my bank tells me it's not true. My Bank made a claim to Remitly and they don't respond to my Bank either. I sent my account statement to Remitly and they don't give me a solution. Please I ask for your help with this case. shipping reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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
Product: Mortgage

Wells Fargo foreclosed on my mortgage after refusing to help me refinance or identify solutions to keep my home during the financial crisis of XXXX. 

They told me I was ineligible for any assistance and took my house by repossession. 

I would like to see if Im eligible for compensation/ assistance under the new settlement but its just very confusing to me and Wells Fargo has been very unhelpful and cruel for a decade and a half. 

Please help me navigate this. I was military at the time and now Im retired. The house was in XXXX, CA. 

The most frustrating part of holding them accountable is that wells fargo used to send emails with your loan and account redacted until you signed in so finding the documentation of accounts after the foreclosure was difficult and almost impossible. My account was
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an unauthorized inquiry with Equifax from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and it still hasn't been removed. I'm giving them one more chance before I start litigation and collect the minimum {$1000.00} judgement for this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a boy friend who was living with me on and off since XXXX he ended up not being who I thought we was he has been opening accounts in my name since XXXX I was in aware until XXXX of XXXX when everything started to unfold he stole my car and wallet and my info trying to to escape when I found out about all the frauds acts he has been committing in my name I also found out that he was living under a stolen identity his name who he told he was.. was not accurate he was paying on some one the loans and credit cards in my name as of they belonged to him the fraud accounts be opened were XXXX XXXX in the amount of XXXX he opened XXXX XXXX XXXX XXXX in the amount of XXXX and XXXX both of XXXX XXXX cards are closed and he opened XXXX XXXX in the amount of XXXX $ there are also numerous inquires in addition to launch serving account being fraud the payment history is way off on different credit accounts which furthermore proves fraud attached will be my police report and in accurate credit reportings Thug had caused a dimise in my credit on Experian XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of the information related to my account with XXXX XXXX XXXXXXXX with transunion However, you have continued to report information without properly notating that the account is in dispute, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ). This failure to notate the dispute renders the reporting incomplete and inaccurate.
Product: Mortgage

Vanderbilt Mortgage and Finance refused to foreclose on my mortgage after I filed for Chapter XXXX bankruptcy without reaffirming my loan back in XXXX. They stated that as long as someone was paying the payments they were allowed to accept them. My ex-husband, whom was never listed on the loan in any way, continued to call in and make phone payments on the loan. In the past year they have also added more money to the original loan to pay back property taxes that accrued and were owed from the time I was released from the debt. I was told several times that this was legal and that although they have never changed the loan into someone else 's name, they will continue to accept payments from whomever is squatting there. I called back in XXXX to ensure that my information stays confidential and made it crucial that my personal information was not shared with my ex-husband due to a restraining order and other domestic issues. The account representative then spoke to my ex-husband and shared not only that I called and requested this, but also shared my contact information with him at the time. I moved in XXXX and updated my mailing address with the mortgage company to keep track of the loan that is still in my name. On XX/XX/XXXX an account representative allowed my ex-husband to call and change addresses to get my information including my new home address, and he was able to get my loan information sent to him directly. Vanderbilt has breached my confidentiality on more than one occasion and this needs to be investigated. I am not only responsible for HOA fees where my mortgage has not been foreclosed and my only recourse is to evict my ex-husband that is squatting there, but now I am in danger due to the breach of my personal information by Vanderbilt and his new ability to find me at my new residence. I have called several times to share this with the company and they state that because I am not longer liable for the loan due to my bankruptcy that they are now allowed to talk to anyone that calls about the account whether they are authorized or not. This is not okay!!! If they are allowed to talk to other people then they need to take my name and personal information off the loan and change ownership of the mortgage!! I have been dealing with this issue for several years and I hope someone can shed some light onto why this is happening and how to fix the problem. I should not have to deal with this for 30 years.
Product: Checking or savings account

ACIMA charged bi-weekly {$57.00} to my account via ACH debit for a total of {$1100.00}. Below are the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called the company, on XX/XX/XXXX and they are a finance company that assist with lease to own furniture ( dish washer, television, couches, etc. ). They did not have my name as a client so they refused to provided me any further information. I also called my bank, XXXX XXXX XXXX and they were unable to refund the {$1100.00} back to my account. They would only refund 60 days of debit.
Product: Checking or savings account

On XX/XX/year> I called to dispute a transaction from XXXX for never receiving any products and then them cancelling an annual subscription. I found out I was charged twice on top of it for an amount of {$550.00}. Credit Karma closed the dispute stating no error was made. Ive called them several times and have spent countless hours trying to resolve this matter between XXXX and Credit Karma to no avail. Ive called them again on XX/XX/XXXX to reopen the dispute and having further documentation to show Ive never received anything from XXXX, but I keep being told that someone will call me, but no one has. Its been yet almost another month and nothing has been done. Ive lost {$550.00} to Credit Karma. XXXX has been very cooperative and provided screenshots with their payment processing service showing that they too do not have the funds and that the financial institution ( Credit Karma ) does, yet they refuse to return the funds to me and constantly give me a run around. Upon me calling on the XXXXXXXX XXXX XXXXXXXX, they never reopened the dispute whatsoever. I cant believe any financial institution could behave in this manner. I have a surplus of documentation to support my claim, but they still do nothing. They took the money from XXXX and also refuse to return it to me. Please tell me how this is lawful and acting with integrity. It is not. I feel that this company is practicing in a fraudulent manner, and after so much distress and anguish, I just want this resolved. I want my money back. I am a XXXX XXXX  barely making ends meet and had hoped to purchase the subscription as a XXXX gift, but never received anything and because of Credit Karma, never got my money back either. Please help and stop them from doing this to others. I have also requested copies of any documents they used to make a determination, but they refuse to provide them. They say a supervisor will call me, but they never do. I have nowhere to go for help but here, and I do hope youll help. Please. {$550.00} is a lot for a XXXX person. Especially at XXXX time.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and AMEX can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the Acima Leasing account ( ending in XXXX ) on my credit report. After carefully reviewing this entry, I have identified several inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 
Issues with the Acima Leasing Account Reporting 1. Dual Classification of Charge-Off and Collection : o The account alternates between being listed as a " Charge-Off ( CO ) '' and a " Collection ( COL ) '' in the payment history. 
o These statuses are mutually exclusive. An account can not simultaneously be a charge-off and a collection. This inconsistency creates confusion and misrepresents the true status of the account. 
2. Balance Discrepancy : o The original balance is reported as {$1800.00}, but the current balance is {$2000.00}, with no explanation provided for the additional {$200.00}. 
o I request a breakdown of this balance, including any fees, penalties, or interest, and clarification of whether these additions are authorized by the original credit agreement. 
XXXX. Missing Data in Payment History : o Several months in the payment history are marked as " ND '' ( No Data ), making it impossible to verify the accuracy of the account 's progression. 
o Example : XX/XX/year> and other months lack complete payment data. 
4. Charge-Off and Past Due Amount Discrepancy : o The account is reported as having a charge-off amount of {$610.00}, but the past-due balance is listed as {$2000.00}. 
o There is no clear reconciliation of these figures, raising questions about their accuracy. 
XXXX. Failure to Resolve Prior Dispute : o The comment section states : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' o Despite this acknowledgment, the inaccuracies outlined above remain unresolved, and no documentation or clarification has been provided to substantiate the reported information.
Product: Mortgage

Citibank initiated foreclosure process on the 40th day of delinquency. The loan was paid in full prior to the 60th day of delinquency. I keep getting denied for Mortgage loans because my credit report shows " foreclosure started. '' I have asked Citibank to remove the verbiage and they keep adding it back to my credit report. I had a XXXX loan which clearly states no FC proceedings to be started prior to the 90th day of delinquency.
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing some of the inaccurate entries on my credit reports. However, I have observed that several fraudulent items persistently remain in my credit history. I kindly urge you to expeditiously eliminate these items from my credit records. Enclosed herewith are the specific details of the items requiring removal from my credit reports as per the respective bureau : -- -- -- -- -- -- -- EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My accounts are kept on hold by bank for no reason. 
I am unable to access online banking nor to make withdrawal. 

I communicated with bank by phone on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
All they said is to wait for a letter for verification. 
I even visited Citi bank branch in XXXX XXXX on XXXX XXXX, she was also not able to help. 

I never received a letter up until now XXXX XXXX. 

I need to make payments for my daily activities like tuition fee, car lease, and all, and Citi bank is not responding me quick enough to solve this issue. 

I really need a help in order for a bank to release my money so that I can start making nessesary payments. 
Otherwise I have to face surcharge for late payment.
Product: Checking or savings account

Each week I earn about {$800.00} in cash and {$500.00} or so in personal checks from my customers in my side business. I carefully count and separate the twenties, tens, fives, and ones and go through and sign the few checks I have. Each week, I stop by my local Bank of America to make a deposit. This Saturday morning I stopped by the Bank of America located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and was greeted by an ornery, cantankoruos, hag, who was all bent out of shape because I was making a deposit at the Bank. The main reason why I walk the deposits into the Bank of America each week is because they have a machine with little claws on it, and it can rapidly verify that I counted my cash to the exact amount. Normally, I am greeted by a friendly clerk who is excited to be a part of my banking experience. Today, at about XXXX - XXXX a.m., this obnoxious old hag was anything but friendly. You would think that I asked her to gut a cow and package the meat. There was no line. I was the only person and she kept taking deep breaths and rolling her eyes as though I was a thorn in her side. Then, this great big tall guy came out and said, " You know, you could make your deposits outside! '' He didn't introduce himself or anything. He just wanted me outsiede. He said some people should learn to use the internet. I have used their outside services before and there is always some jerk behind you revving their engine wanting you to hurry. When I hurry I make mistakes. Many times, their outside sustem is incorrect and then 4 or 5 days later, I get letter saying that my deposit was of .28 or some dumb, untrue claim. Then, when I am outside in the Florida heat trying to get thei runrialble system to take bent ones, etc., I worry about some scum trying to rob me with that kind of cash, so I feel more safe going inside. Less than 100 meters away there are multiple scumbags with signs begging for money and food. I have tried using my phone at home to photgraph checks and only about a third of the time do the pictures line up. The bank of america fails to take checks with the phone in a reliable fashion. So, I end up with a bunch of checks not knowing what was deposited and what was not deposited. Besides, I have to go to the bank anyway to make the cash deposits. So, today, the want-to-be unfriendly manger-man at the Inverness branch acted like he was some kind power for bank of amaerica and he chose to ridicule me for using Bank of America 's indoor deposit services . So, am I allowed to make deposits there? Or is it too big of an inconvenience? If they do not want my business, I have no problem bailing out today. I need a bank that takes deposits and a bank that is willing to work with me and my little side hustle. Who ever heard of a bank that has staff disinterested in taking cash and check deposits? Just go outside and leave us alone. That is the impression they leave me with. I am white and Irish. Maybe they have issues with the Irish making deposits? This should be looked into.
Product: Credit card or prepaid card

My name is XXXX XXXX and I have a complaint against BJ 's wholesale club. I am receiving a bill for a BJ 's credit card that I never requested or received. I am now receiving a bill for {$290.00} but have never a made any purchases because I didn't requested it and I don't have a card. The banking company Comenity wants to offer me a deal to pay half of the bill but I refuse to pay a bill for something that I never requested or have a card for to make any purchases. 

Please assist me with having this bill erased and the account closed out. 

I can be reached at XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX MD  XXXX XXXX