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

I have been a customer since XXXX, I have never had an issue until this year and now I'm at a point where I will be cutting this card up. On Sunday XX/XX/XXXX, I rented a Moving Truck because I just moved into a new home. The merchant let me know that the deposit of {$100.00} would be returned to me in 2-3 business days, by Thursday I still had not been refunded my money so I called the merchant who advised me that they had indeed released the funds back to me. I call Serve customer service a rep states that it takes 5 business days and says Monday XX/XX/XXXX I would receive my money back. So here we are Monday and I still have not received my money, I call Serve customer service and this time I'm told that it can take up to 30 days to receive my deposit back b/c it falls under the " car rental '' category, unless the merchant has released funds. So again I call the merchant this time with the Rental truck rep on the phone and am told something different AGAIN! She states that regardless if the merchant released the funds or not it can still take up to 30 days. This is utterly ridiculous! Not only is that the only money I have after moving, we are in the middle of a Pandemic! I should not have to wait a month to receive money that a merchant has already released to you. I was not given any alternative option, and was told the system will automatically release it. This unacceptable on many levels, there is no logic in the reasoning and now I have to figure out what I am going to do for food, gas, and other necessities.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Student loan

I set up a payment plan with them a year ago. They took the initial {$750.00} and put it toward interest instead of toward the principal. I now pay them {$150.00} per month and all of a sudden I got hit with a {$140.00} fee in XXXX and no one can tell me what it is and I have n't received any call back once I 've been promised that they would research the fee and call me back. It is still showing a deliquent on my credit report even though I have been making on time payments for the past year in the correct amount that was agreed upon. I will pay off my mortgage before this loan is ever paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN. XXXX XXXX XXXX. XXXX XXXX XXXX FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Product: Mortgage

I started a jumbo loan refinance with XXXX XXXX on XX/XX/XXXX with a promise of a quick close. The loan officer XXXX XXXX stated with everything I already had collected and available - this would be an easy loan to close! They were able to do income verification within a week and then needed to verify assets and liabilities. i submitted over 100 documents to verify all the assets and liabilities. I have not filed my XXXX tax returns - it was XXXX - but they have the previous 3 years of tax returns which should be sufficient. They had my current paycheck, my bank statements. Yet they wanted a XXXX XXXX XXXX for my XXXX for XXXX. Which I provided in the XXXX format that i provide to my CPA. I was then requested YTD for XXXX - which i provided. I was notified on XX/XX/XXXX that I am ready to close pending a marriage certificate of my name change, a signed copy of the loan refi from my husband and a investment document. I provided all three. A week went by and i kept asking when is closing, no response no return of phone calls. Another week, no response to phone calls, texts or emails. Another week goes by and then I get an email out of the blue on XX/XX/XXXX that sorry you did not provide all the documents and the loan rate lock has expired!
Product: Credit reporting or other personal consumer reports

I reported that experian, XXXX, and transuion did infact report 5 things on my credit report that I inform them that was not correct. I started the dispute with all three credit reporting agencies and all three has not taking these negative remarks and disputes off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

I do not owe these debts nor have any knowledge of the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure sure what's going on but I filed a dispute all the way back in XXXX of last year and have yet to hear anything back from the bureaus. It was XX/XX/XXXX to be exact. I understand we're in a tough time right now with COVID but it's been over 60days and that's unacceptable. The time to respond is 30 days according to law and again it's already been 30. Remove the incorrect information from my report please you are causing me and my family stress, COVID is causing enough stress as it is. Resolve this issue as soon as possible please. I will be attaching the original dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 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 XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXnce : {$0.00} 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
Product: Mortgage

Due to XXXX I suffered the loss of my mother, sickness, and a loss of income, so it has been quite a struggle to maintain while coping with such tragedy. I have been reaching out to my mortgage company for over a year tying to obtain assistance with my situation, and to date, I have not been able to get a consistent answer. I have tried to apply for loss mitigation, and covid assistance, and most recently, assistance from the XXXX program. 
In that process I also applied for bankruptcy, which is now open. The XXXX program has been trying to obtain documents from my mortgage company since XX/XX/2022, and they have been completely unsuccessful. My representative at the XXXX program asked that I reach out to my mortgage servicer in an attempt to retrieve the information needed. I have called multiple times and have gotten a different answer each time, I was even told by a representative, that she acknowledges I was given incorrect information. I have talked to rude customer service reps at my mortgage company on more than one occasion. 
i have explained I just need assistance getting the records needed in order to move forward with my approval in order to get the payment assistance I need. 
On more than one occasion I was assured the documents the XXXX program needs have not been sent. 
I was advised to seek help with CFPB in hopes to get this matter solved. 
My mortgage servicer is Cross Country mortgage. I have provided my contact information, and advised that I am aware of the process when there is an active Bankruptcy in place, but in order to get the matter regarding the documents getting to the XXXX program, they can call me at anytime, and nobody will respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take immediate action to remove these records and update my credit report accordingly. This situation is causing me significant distress, and I kindly reque
Product: Mortgage

On or about XXXX XXXX, XXXX I received a bill from Wells Fargo for {$75.00} to continue my {$100000.00} HELO, which I have never used. I called their customer service number about the charge, which I did n't recognize. They confirmed that I had paid it for the last several years. I did n't remember doing so, but I accept that I may have. Since I have never used the HELO, I said I would prefer to cancel the account rather than pay the {$75.00} fee. The agent told me she would waive the fee if I kept the account, so I agreed. This was on a recored line. 

XXXX XXXX XXXX XXXX ) I received a bill for the same {$75.00}. At about XXXX, I again called customer. The first time the call was cut off while on hold as the agent " reviewed the situation. '' On the second call I was told that indeed, on XXXX XXXX I was told that the fee would be waived, but that request was rejected because the fee is in my contract. Of course I was never informed of this change, so now the {$75.00} is past due. The agent then transferred me to a " different department '' so see if they could resolve the issue. No resolution. Given this change, I asked to then cancel the HELO. So I was transferred to a third person to close the account. 

When speaking to that person, he said he would waive the annual fee, but that I would need to pay a {$75.00} fee to cancel the lien on the loan! I asked him to read that clause from my contract. He would not, but said he would send me the contract. 

I am a Wells stockholder, and have read about the predatory practices of the bank. But here I have experienced them first hand. I have made 3 calls to simply cancel this HELO - which I never used - and I ca n't seem to get it done without Wells Fargo trying to extract unnecessary fees. 

I am indifferent as to whether I keep the account or not. I simply want to stop paying unnecessary fees.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX knowingly works with scam online retailers. They lock you in to a loan set up against a debit card ( not credit card ) and attempt to take payment for goods that are never shipped or received. They only provide a web contact form to resolve issues. 

XXXX responded to my complaint by stating that the XXXX Loan Agreement outlines that merchants are responsible for the delivery of goods and issuing any refunds owed back to the designated XXXX account. Merchants take full ownership of their shipment, return, and refund policies. Until the merchant issues a refund to XXXX, the customers payment schedule remains in place according to the agreement. For additional information on the XXXX Loan Agreement, follow this link XXXX XXXX XXXX XXXX. XXXX does not provide information to the consumer reporting agencies. Therefore, there is nothing to dispute or correct on the customer 's credit report from XXXX since there is no tradeline. 

I am rejecting this response because : the merchant in question does not exist and is a known scam website. The loan was not made in good faith. No resolution with a non existing merchant is possible. The claim that there will be no impact to credit is not factual as XXXX 's terms include forwarding to collections for non repayment of loans. No payments have been made yet and XXXX has the option to cancel payments to the fraudulent merchant. The CFPB proposed rules last year guaranteeing consumer rights in these types of predatory scams and loans. 

XXXX XXXX XXXXwww.consumerfinance.govXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I recieved a secured loan from XXXX XXXX which namely is housed under the name, XXXX XXXX XXXX in XXXX of this year and I have been diligently paying this loan since the beginning. This loan is secured by two TVs, a chainsaw and another small personal item.I have run into a family financial hardship unbeknownst to me. I reached out to XXXX XXXX  not getting into detail as to why with the female manger of this store and explained that I have enrolled this debt into a debt relief program with XXXX XXXX XXXX XXXX XXXX XXXX of which I tried providing the number for them to call and verify of XXXX, XXXX also have power of attorney. This lady proceeded to tell me that they do not work with them and that she cant hold the account after 30 days it goes to the attorney and they will garnish and take my personal property thats listed as the secured items on the loan. She then told me to not trust them they will take my money and not negotiate anything with the creditors and what she didnt know is that I have worked with XXXX XXXX XXXX  years ago and they helped me a lot and got me debt free before. Also she was unaware that previous XXXX XXXX  customers enrolled with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  worked with XXXX before on other accounts, which this was verified with me by XXXX staff. At the time of getting this loan I truly could afford paying back the monthly amount until this unfortunate situation occurred unexpectedly.
Product: Credit reporting or other personal consumer reports

I sent all 3 of the bureaus a request to validate the negative accounts listed on my credit report back on XX/XX/year> and no one ever sent me what I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET AND IT BEEN ALMOST 90 DAYS ALREADY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS AND WON'T TOLERATE IT ANY LONGER.
Product: Debt collection

Started a refi in XX/XX/XXXX to consolidate debt and to pay off the account I have with them. 

It is now XX/XX/XXXX and they still wont provide a payoff statement and have completely held up my refi as a result.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you examine the documents? Some accounts listed have errors in reporting, including inaccurate amounts and dates.
Product: Vehicle loan or lease

On XX/XX/2020 my XXXX XXXX was stolen. The car was reported total loss after not being recovered and settlement claim was sent to Infiniti Finance. During the beginning of COVID Infiniti Finance switched to virtual operation leading to excessive hold times, supervisor inability to contact, and lags in all processes. 

XXXX submitted car payment in full request to Infiniti Finance on XX/XX/XXXX. This would close the entire account paid in full. After 1 week of followup we were told to re send the documents in which XXXX re sent documents after XXXX had already received confirmation of receipt. We had the local dealerships file complaints to Infiniti Finance as it took until XX/XX/2020 for someone to sign the form to collect payment. XXXX Finance was unable to deposit the money to formally close the account until XX/XX/2020 leading to a 30 day late fee on my credit report. 

I disputed my inquiry with Infiniti during the month of XXXX with a supervisor to ensure no delinquency was hit on my credit. Infiniti never closed the claim, communicated with me on the claim, and the claim was still opens of the end of XXXX when we received word of the delinquency on my report. 3 weeks ago we filled a second complaint to have the 30 day delinquency removed and it was not approved with request to have us mail proof to their headquarter office. The proof exists in their phone calls- specifically the phone call with the supervisor in the Month of XXXX who apologized for extended time to clearance and put the ticket to ensure no credit hit was made. The company will not provide me phone call records without a lawyer formally subpoena them. 

As a consumer I understood the CoronaVirus impacted their logistics during the beginning of the pandemic. This is the only delinquency I have on my entire credit report leading to a disqualification of my mortgage refinance costing me roughly {$30000.00}. I trusted a company would thoughtfully resolve a total loss understanding all they needed to do to collect payment was have a supervisor sign a check- however that was delayed as they were all virtual. This delay on their part due to corona virus led to my credit being impacted with no remorse, or concern about my credit score.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts off my credit profile from XXXX, XXXX XXXX, Equifax immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Equifax about a person inquiring about my credit. We are attempting to get a mortgage. I have only given two sources permission to check my credit money source and e mortgage. I attempted to file a dispute with XXXX XXXX, and this is my second time trying to file a separate dispute, and each time they ask questions that even though I have the answer, does not put me through on the system. So the only way that they are receiving any information is by mail which takes weeks. You 're making no attempt it all to resolve issueS thru email.
Product: Credit reporting or other personal consumer reports

This is my complaint for APPLE CARD/GS BANK USA XXXX I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory item that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I applied for and received a Wells Fargo credit card earlier this year. The credit card and statements have been coming to my correct address. 

Today I wanted to cash in the XXXX bonus and about 21.00 in cash back so I called the number on the back of the card. I was hung up on 4 times at various times after being on hold, while speaking with a rep. I finally got somebody who didn't hang up, and the rep confirmed my identity by asking several questions including my address. 

The rep transferred me to the rewards department. The rep in the rewards department asked me questions to verify my identity, including my address. But, she said she had a different out-of-state address, so she transferred me to 'banking ' which again had me on hold for a while before a rep answered. 

The banking rep also asked me for my address, and she had my correct address. She said she didn't know why the rewards dept had another address, but assured me that she had fixed the problem, and transferred me back to rewards again- so I was on hold for a while yet again. 

The new rewards rep asked me to confirm my address - but he still had the same wrong address.
Product: Credit reporting or other personal consumer reports

Ive received alerts that my social security number and other personal information is on the dark web.. 
Ive in the recent past applied for car loans in which ultimately not purchasing a new vehicle. I am still receiving hits to my credit from my information being checked. No other company was allowed to fun my credit check other than XXXX XXXX XXXX XXXX however I have received letters and hit to my credit due to this Also there was a security breach with information linked actually Im afraid my credit will never reach an amount of over obtained anything due to this mishandling and misusage of my personal information Please assist me
Product: Mortgage

rec'ed Letter dated XXXX XXXX on XXXX XXXX : From : WELLSFARGO Bank 'EMPLOYEE ... XXXX XXXX the letter she sends dose n't reflict any case number from cfpb ...? ; and this Employee dose n't give and direct phone number to contact her? 

fine attachments of the letter mentioned in the complaint dated this day XXXX XXXX