23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There have been a multitude of problems with this account. First the most important is that for 1 year they have not fixed the issue of applying funds correctly which is about   XXXX   in funds they did not apply as requested and applied to fees I disputed and have proven to them multiple times I did not owe or were paid to previous servicers in the past. Previous servicer mishandling of funds is something the servicers need to handle and with one that went out of business and was involved in the class action lawsuit CFPB filed against them for fake forced placed insurance and another that I am in class action lawsuit against for misdated paperwork causing harm. Now also the latest with BSI and all is attached for for proof. I had sent in a payment of  XXXX  and told them to apply the   XXXX   in unapplied funds they had on there to complete the payme nt of    XXXX  . They did not do that but is was specified on payment coupon and also faxed them copy of what was supposed to be done on  XXXX  XXXX /17. On  XXXX / XXXX /17 as soon as I saw that they did not apply correctly I called   XXXX  . I requested the funds be applied correctly. The Customer care rep said she could not help me and transferred me to   XXXX   XXXX   to my contact   XXXX   XXXX  . I had sat on hold for 12 mins and previous to that call sat on hold for another 15 mins. Now   XXXX   XXXX   who was supposedly my contact has never once contacted. He never returned my phone calls. Then on  XXXX  XXXX /17 a letter that was delivered on  XXXX / XXXX /17 all of a sudden changes my  SPOC  to   XXXX   XXXX  . I requested someone call me so that I make sure payments applied correctly and if they were not going to apply the  XXXX  and  XXXX  correctly which is attached they need to stop reporting delinquent. They are over {$6000.00} funds applied to bogus fees I have never agreed to applying my funds too and that is attached. This account should not be 101 days delinquent. The games that BSI plays is astounding. CFPB there are over 1000 complaints about this company when are you going to do something. This is not a one person issue it is thousands being abused here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX
Product: Mortgage

Hello, Wells Fargo is yet again doing illegal activity. I made a principal payment of $ XXXX on XXXX and at that time my current balance was {$88.00} ( rounding up ) Since then I have made several payments as well as additional principal payments and the balance is now at $ XXXX. It appears that Wells Fargo did creative accounting so that they could continue to charge me interest on a high balance as opposed to correctly crediting my account on XX/XX/19. When the $ XXXX payment was made, the balance should have been $ XXXX, yet the balance id $ XXXX and I have made an additional $ XXXX towards the principal along with my monthly payment so the most my balance should be at right now is $ XXXX, not XXXX! 

Wells Fargo should not be allowed to get away with this and be fined a penalty. This is not the first time they have done this to me. The first time I bought their creative accounting explanation, this time I realized, it makes no sense! I should be given a credit for my overcharged interest as well! Wells Fargo keeps trying to make contact with me to try to convince me that their accounting is correct when it is absolutely wrong and they are still benefiting on interest charges off my incorrect balance! 

Wells Fargo has had a history of questionable activities and I can not be the only one that they are pulling this mortgage interest rate scam on!!!! I have various statements and they have questionable accounting and balances and are different on each statement???????
Product: Credit card or prepaid card

I received a credit card in the mail on XX/XX/23. It was sent to my old address that I still have mail forwarding on so it was forwarded to my current address. I immediately pulled my credit report. I called and told Chase that I did not apply for any credit card with them and they closed the account. The account is listed on all XXXX credit bureaus with a {$140.00} balance reported. I have disputed the account with all XXXX bureaus. The representative that I spoke with on XX/XX/23 at Chase ( XXXX XXXX said that the balance was {$200.00}. There were no hard inquiries on XXXX or XXXX. There was a hard inquiry on XXXX. I put a credit freeze and fraud alert on all XXXX bureaus on XX/XX/23. I called XXXX on XX/XX/23 and disputed the hard inquiry. They removed. On XX/XX/23, I received an email that the account was listed on XXXX. I called and filed another dispute to have that account removed. On XX/XX/23, I received a letter from Chase that they closed the account and were investigating. On XX/XX/23, I mailed a request to Chase to provide a copy of the application that includes a summary of all of the relevant information about the credit card account that was opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed and were approved for a Chapter XXXX Bankruptcy in XX/XX/2019 which included an account we had with XXXX. Upon applying for new employment recently and receiving a copy of my report I noticed that this account is not only appearing as open on my report and delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that the account should not be reported anymore, the state of Massachusetts has statute of limitstion of 6 years. Car loan with XXXX XXXX was opened in XX/XX/XXXX, it was paid off and closed in XX/XX/XXXX and i was already residing in MA since XXXX. This account I have even taken upon myself the duty of calling the XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus. This account was disputed via XXXX app which is associated with Transunion. Results were provided in the month of XX/XX/XXXX, Indicating verified as accurate, pay status current and payment history cleared. Yet on recent pulled credit report from XXXX it reflects otherwise. Please see images attached showing the diferrence. On a last note also see that on current credit report it does not reflect as account ever being dispute while clearly my evidence shows it was and i received results directly from the credit beaureau.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that all fraudulent information must be blocked and removed from my credit report within XXXX business days of notification to the credit bureaus. I have taken the necessary steps to report this fraudulent activity, including filing a report with the Federal Trade Commission ( FTC ) and notifying the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX on XX/XX/2024 XXXXXXXX XXXX told me that their Collection agency ( XXXX XXXX ) take care of my issues, they no longer have my account!! 
I then called XXXX XXXX the same day, XXXX ( XXXX ) told me they no longer have my account, my account was Canceled/ no Collections!! 
Will send me a Email!! 
Stating information of Cancelation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is violating my rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my TransUnion and also { {$100000.00} } in damages for the pain and suffering and the credit violations.it has caused me lot of pain and suffering because I'm not able to get an auto loan.delete XXXX XXXX XXXX XXXX. 





I urgently need to extend credit to recover from this hardship, but I am unable to do so because of the inaccurate and misleading information TransUnion has reported regarding the XXXX XXXX XXXX XXXX account. These denials have caused substantial harm, both financially and emotionally, and are a direct consequence of XXXX XXXX XXXX XXXX failure to adhere to the legal standards set forth by the FCRA. I. Unauthorized Access and Permissible Purpose Violation TransUnion furnished my consumer report with XXXX XXXX XXXX XXXX tax write-off without my authorization. This action constitutes a clear violation of 15 U.S. Code 1681b, which mandates that a consumer report may only be shared with the consumer 's written consent. XXXX unauthorized access to my report is a flagrant breach of my rights under the FCRA, and such conduct is intolerable. II. Inaccurate Reporting of XXXX XXXX XXXX XXXX Account The XXXX XXXX account listed on my report is inaccurately categorized as a charge-off. According to IRS guidelines, a debt in charge-off status is considered forgiven or discharged. Despite this, TransUnion has continued to report XXXX XXXX XXXX XXXX XXXX write-off as if it were still an active debt. This misinformation is a direct violation of 15 U.S. Code 1681e, which requires credit reporting agencies to follow procedures that ensure the maximum possible accuracy of the information they report.
Product: Checking or savings account

In XXXX of this year, we drove 2.5 hrs each way from XXXX TN. to give papers to XXXX KY Chase bank for our veteran owned small business. We were changing the business structure from a LLC to a sole proprietor. We submitted drivers license, paperwork, etc. 

In XXXX we discover the papers weren't submitted & they are closing our account EVEN after resubmitting due to their technical problems with their verification system. We had to call Chase customer support, because we weren't even told by the XXXX branch of the problem. We have worked hard to try and fix this situation since our insurance, employee pay, etc. are all tied to this account. We even tried to call over 50 times to the Chase XXXX XXXX XXXX ( with most calls not being answered ) to get help and in a span of over two weeks, they still can't get the system to verify our information, so they have locked the account ( causing us to incur penalties and use our personal account for taxes, insurance, payroll, etc. ) and told us today ( XXXX XXXX ) that they didn't think they could fix it in time and that we should just drive back up to XXXX to start a new account. 

Our account has been locked down for over 2 weeks, automated payments failed, and Chase customer service has failed us as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account appearing on my consumer credit report. I do not recognize this fraudulent account as mine. I am a victim of a data breach and Identity Theft. Kindly block and delete the Account Name : [ XXXX  XXXX ] [ Account number : XXXX ] within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please Remove and Delete this fraudulent account from my Credit Report immediately. They are hurting my ability to obtain credit. Please find the attached FTC Report and other relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from XXXX maps of Experian errors
Product: Bank account or service

Our company, XXXX XXXX XXXX XXXX has had an account with Wells Fargo beginning with Wachovia. We have never had any issue with this bank, never even a bounced check. On XXXX XXXX, 2016 we were notified by a customer that a block had been placed on our account. When I called I was told by XXXX different Wells Fargo employees that our account had been closed on XXXX XXXX, 2016 by loss prevention and that we would be receiving a letter and our balance monies within 10 business days. Well today I got the letter and it indicates that my account has been blocked since XXXX XXXX but that it will not be closed until XXXX XXXX and that I will not receive the balance in my account until some time after that date. 
It is unconscionable that Wells Fargo can unilaterally close out our account with no notice, no reason and then hold our money XXXX for nearly a month. Last week my employees were not paid, taxes not sent to the government as a result of lack of information from Wells Fargo. Now, I am in a similar position this week as my cash flow has been greatly diminished because Wells Fargo is holding my money hostage. 
Our company has been in business for over 40 years. We have never been accused of running anything but the most upstanding business. I understand that Wells Fargo does not have to bank with my company if they choose not to but they should not be allowed to conduct business in this manner. A courtesy call would have been nice. Even without that, correct information from Wells employees would have been nice as well. Now they are holding my money hostage. We need it for cash flow but have been told that will not be happening. 
Big banks should not have the ability to unilaterally shut down an account with out any forewarning to the small business customer. they should also not be allowed to hold money hostage for over three weeks. If they want the account closed, fine but give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet XXXX  of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a XXXX  maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and I live in Maryland. After 15-17 days of owning the car the Oil lifters collapsed. I had the car towed to my mechanic and within the next 7 days, his diagnosis was that the Oil Lifters had collapsed. I then reached out XXXX XXXX and they refused any assistance because I didn't purchase an extended warranty. So, I commissioned my mechanic to complete the repairs and upon him removing the heads off the car he notices there was no Catalyst Converter on the car and the vehicle had been heavily modifies along with a bypass on the emission system. Which alleviated the check engine light. 
My tags expired XX/XX/XXXX, and I will not be able to pass any state inspections without an emission system in place. So, I am requesting assistance with having the loan voided.
Product: Debt collection

I keep getting billed for hospital bills that belongs to my grandson I was not responsible for his bills and according to the dates he was an adult at the time please have these removed from my credit report they are not my bills and I am not responsible for them. thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA XXXX05B says they should remove incorrect accounts from reports. Could you please look at the documents? The accounts on my report are wrong, and it's upsetting and worrying me.
Product: Credit card

I was advised by citi on my XX/XX/year> Costco Anywhere Visa card statement that my APR would increase because my current APR is lower than what they offer other consumers with same same credit score and also because of my credit score, which they erroneously stated was XXXX. 
I contacted XXXX who citi said provided the information, discussed what was occurring and viewed my credit report. The only thing unusual on my report was the fact that citi had made at least 20 soft inquiries in less than a month. Additionally, my credit score provided by XXXX was XXXX. I then called citi to advise them of the information I had acquired and they said it would be reviewed. I requested to be provided a copy of the review and they said that would not occur. I then sent emails to XXXX XXXX Office of citi Bank and received no response. I then contacted XXXX XXXX, CEO of citi, receiving no response. 
I am XXXX XXXX XXXX, have worked since I was XXXX and have always paid my bills and pay them in full each month. I do not want nor need negative incorrect information to be attached to name, which is what citi seems to be doing since they have no interest in correcting their mistake.
Product: Mortgage

{$13000.00} is due for mortgage payments due to unemployment. 

XX/XX/XXXX I sent out a financial hardship letter and an unemployed affidavit letter to the mortgage lender. 

Current status with the lender is still being evaluated and investigated with the underwriter.
Product: Checking or savings account

This is about a Capital One 360 Checking Account, This bank will not release Cleared Fund Deposited, and Has Not Allowed my Stimulus Money to be Received in addition to not releasing funds already in the account. I have called over the last two months, and have literally been lied to about the status of my account, and their promise to remedy the matter. The phone records, and recorded calls will bear out my allegations. The Bank is holding money that I need to pay my bills, and additionally causing my 2021 Stimulus money to not be deposited into the account, as other deposits have been accepted. I need immediate action, as this bank has put me in financial peril, and has been fraudulent in their activities ...
Product: Credit card or prepaid card

On XX/XX/20 made a purchase of foodstuff at XXXX XXXX of XXXX and the goods were old and inedible. 

Merchant refused to exchange or make good, called the credit card, and was met with a refusal, as the charge was temporary, however they said they will follow up. 

Have tried several times contacting credit card to dispute charges, after being on hold for the " Dispute Dept '' calls get disconnected ... ..kind of a conspiracy. 

Disputing {$79.00} which came on statement at end of XX/XX/XXXX. 

Another issue is the reward program. 

According their schedule is basic rewards for all charges, double rewards for supermarkets and similar, and triple rewards for any dining facilities. 

In the past year they have failed miserably to post properly, their internal investigation is not existent, although they may say, that they will investigate and send a XXXX sheet, its a big bluff.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with XXXX non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires XXXX - Equifax- XXXX. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. XXXX has provided me a case number. XXXX