23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello on XX/XX/XXXX I called aes because they keep charging me late fees for a loan that they automatically take out my account. They told me that's it's from a payment from XXXX that I missed. I told them that I changed bank accounts back then and to charge my other account and they said they did but kept charging my closed account. They keep charging me late fees and will not allow me to use my bank account nor my card to pay it off because they have something against using XXXX XXXX bank cards. They said that they can only take payments through the mail. I mailed them something once before and it got lost in the mailing system and returned to me a month later. I'm not trusting the mailing system too well. I would like someone to help me get this settled so I can stop getting charged late fees and they keep reporting that I'm delinquent on my credit report as well. I understand that there was a misunderstanding in the past. That now everything is good and regular payments are coming out of my XXXX XXXX account. Why do they still keep charging me late fees and say I still have an outstanding balance, also why can't they automatically take it out like they do my other student loans and why cant they accept my one time payment from my XXXX   XXXX account? They keep sending me in circles. I just want to pay it and get it over with. I dont understand how a company doesn't want to get paid when someone offers to pay them. It shouldn't matter if there was confusion about the bank accounts in the past and should give someone a chance to pay it off not using the mailing system.
Product: Mortgage

Wells Fargo has been playing games with my mortgage and my home now for a year. We first agreed to a Deed in Lieu. I signed over the home and vacated like they requested. The date they requested there was not a lien on the house but because they dragged their feet with recording - the HOA placed a lien on the house. However, I was never told the title never recorded. Meanwhile my credit was destroyed and the home has XXXX HOA liens and Wells Fargo still has not taken title and now claims they have reneged on the DIL. Now they are harassing me for the mortgage payments. I moved back in the home and have been asking to work with them on a modified loan but they refuse to help me. They call me XXXX to XXXX times a day yet no one will speak to me about a loan modification. I am certain they are just looking to rack up fines and fees so they can be reimbursed by Fannie Mae or whatever unethical business practice they are up to. They have destroyed my life and continue to do so. I just want to stay in my home and pay my mortgage but I need the to work with me. I would n't even be in t his mess if t hey had just recorded the DIL when they were supposed to. They are so unethical I can not believe they can get away with such fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX  XX/XX/XXXX & 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint to JPMCB AUTO for allowing fraudulent account on my credit report. As I checked my recent credit report, the fraudulent account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report numbers 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 XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

am writing to dispute a fraudulent ( charge or debit ) on my account in the amount of $ -_____ $ XXXX. I am a victim of identity theft, and I did not make this ( charge or debit ). I am requesting that the ( charge be removed or the debit reinstated ), that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
Enclosed are copies of ( use this sentence to describe any enclosed information, such as a police report or Identity Theft Affidavit ) supporting my position. Please investigate this matter and correct the fraudulent ( charge or debit ) as soon as possible. 
In addition, pursuant to XXXX, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be ( mailed to me at the address listed below or faxed to the number listed below ). In addition, please make these records available to the XXXX Police Department upon their request. 
Sincerely, Your Name Enclosures : ( List what you are enclosing ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Product: Credit reporting or other personal consumer reports

My Wells Fargo ( XXXX ) credit card was paid in full on XX/XX/XXXX. I immediately requested that Wells Fargo close my accountand within hours my online account reflected the closure. 

XXXX had updated all XXXX of my credit bureau reports on XX/XX/XXXXXXXX XXXX  days prior to the payment in full and final closure date. 

Had XXXX reported my account properly, the credit bureaus would have had the correct information ; however, I have had decades of problems with XXXX keeping a custodial bank account open that should have been closed in XXXX, but still remains open no matter how often I call and request they close itso I am NOT at all surprised that they also failed to report my credit card status properly. 

The reason for my complaint today is that on approximately early XXXX, XXXX, I filed disputes with all XXXX bureaus ( XXXX XXXX, XXXX and XXXX ) requesting that my credit report be updated to reflect I no longer owe XXXX anything and the account should reflect a closed status. 

I spoke with Wells Fargo on the same date in XXXX they, too, submitted a dispute request to ALL XXXX bureaus on my behalf. 

Both XXXX and XXXX updated my credit report to reflect the correct info. However, XXXX failed to properly investigate, because, had they done sothey would have received the correct info, just as the other bureaus had received. 

After chatting online with XXXX XXXX repsgetting disconnected twice in the middle of both chat sessions I still have incorrect info on my XXXX account regarding my XXXX credit card. 

Again, had XXXX properly reported my credit card info as XXXX aggressively as they report customers open accounts, I would not have had to fight with XXXX  to properly investigate my disputewhich they have NOT done. 

Thank you for your assistance in properly rectifying my issue, XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card

I am writing to formally express my frustration and disappointment with American Express regarding my recent request for payment relief and the lack of transparency in our interactions. Due to recent health challenges and the resulting loss of income, I reached out to discuss options for reducing my minimum payment obligations temporarily, hoping to prevent further financial strain. Unfortunately, the companys response has been both inflexible and unhelpful, leaving me feeling unsupported and misled. 

On XX/XX/year>, I completed an online relief form, which proposed a payment plan requiring {$200.00} per month for 48 months. Given my financial situation, I followed up with customer service to discuss a more manageable solution. In these conversations, I was told that the lowest payment option available was {$220.00} per month for 48 monthsan amount that is simply unfeasible for me under my current circumstances. 

Despite my offer to pay the maximum I could affordjust {$50.00} less than the proposed amountthe company showed no willingness to work with me. This limited payment adjustment sets me up for inevitable failure, as the strain of this requirement will likely result in late fees, higher interest, and an increasing balance. This approach appears counterproductive and designed to favor the company 's financial interests rather than provide genuine relief to customers. 

Additionally, I already have serious reservations about the companys transparency and honesty. When I sought clarification on my obligations and asked specific questions regarding information I recently received from the Federal Reserve, I was met with vague responses, and my requests for full disclosure went unanswered. The company assured me that there was no malicious or illegal activity involved, but the lack of clear, direct responses raises concerns about the accuracy of the information being provided. 

In light of the economic strain, high inflation, and my current financial hardships, I am deeply concerned that American Express is not operating in a fair, ethical, or honest manner. The company 's refusal to work with customers facing genuine hardship and the lack of transparency regarding questions about Federal Reserve-related information are both deeply troubling. 

I respectfully urge American Express to reconsider its approach to hardship relief and to engage with customers in an honest, transparent, and compassionate way. I hope that you will take this complaint seriously and prioritize actions that support, rather than exploit, customers in need. 

Thank you for your attention to this matter.
Product: Mortgage

The Motion for Relief was lifter in XXXX of XXXX. I sought the assistance of the State of Georgia and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX pledge {$5500.00} in mortgage assistance payments. The State of Georgia pledged {$50000.00}. 
We received a verbal confirmation and written confirmation that Fay Servicing would accept the {$5500.00} payment from XXXX XXXX XXXX XXXX XXXX. However, Fay Servicing returned the funds twixlce after advising that they would accept the payment. 

Now, I am no longer eligible for the program.
Product: Checking or savings account

In XX/XX/2023, I noticed that I began to receive charges from a merchant called XXXX. I immediately contacted my bank and informed them about the charges. The initial claim was filed in XXXX, my account was credited almost {$1000.00}, and the claim was closed with no issues. The agent that submitted the claim advised me to call back and submit another claim if I discovered more charges. On XX/XX/XXXX, another claim was filed for the same merchant with my bank. There were a total of XXXX unauthorized submitted with the new claim. On XX/XX/XXXX, my claim was denied after being promised provisional credits for two weeks. On XX/XX/XXXX, I contacted the merchant directly, who confirmed I do not have an account with them and someone indeed made fraudulent charges. After speaking to the merchant, I contacted Wells Fargo AGAIN. I got to the claims department, talked to a representative, and explained what the merchant told me. She stated that my claim had been denied and she couldn't reopen the claim. I asked if the merchant had sent an email saying they closed the account that contained my payment information, the charges were unauthorized, and they needed to work with my bank regarding a refund. And I asked what I needed to do to resolve this issue. She told me to send that email to the claims department, and someone would contact me within XXXX hours. She gave me the email address and told me to send over an email from the merchant stating the charges on my account were fraudulent, and we would go from there. Once again, I am still waiting to hear back from Wells Fargo. This situation has caused my son and I to lose everything we own, and we are now homeless. I have contacted the Executive Office at Wells Fargo, which continues to give me the run-around. I have attached all of the transactions below.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX , NY XXXX LETTER OF EXPLANANTION On XX/XX/2019 Ive ordered a Silver Signet Ring on XXXX XXXX XXXX website online. The online order should be containing single XXXX XXXX XXXX Branded Silver Ring in brand new condition. For that Ive been charged {$460.00} accordingly. The item has been delivered to my location in rough-conditioned box. When Ive opened a shipping box Ive found XXXX-branded box with white Ribbon and pouch and papers, but inside this box was different from what Ive ordered online it was roughly shaped middle size ring made of silver. Ive instantly reported the issue over the phone to XXXX XXXX XXXX   Customer Support and Ive been advised to use pre-paid XXXX shipping label to return the item back to XXXX XXXX XXXX Facility in XXXX, NJ in order for them to investigate the matter. The package was returned back on XX/XX/2019 via XXXX TRACKING XXXX. Ive got a confirmation email from XXXX that they have received the package and while investigating the matter, I should have expected a refund issued back to my XXXX account within next 3-5 business days. However, it was never issued and I didnt receive any further communication from XXXX. Ive made a call on XX/XX/2019 in order to clarify why the credit wasnt issued, however didnt receive a direct response and decided to file a billing dispute with AmEx. At the meantime, without nor my prior consent nor authorization, XXXX XXXX XXXX  decided to ship the package back to me, claiming that theyre not responsible for that incident and instead I should be liable, which is concrete violation of my consumer rights. However, the original package has been successfully returned back to XXXX XXXX XXXX  with XXXX Tracking XXXX on XX/XX/2019. 

Ive supported my claims with all necessary supporting documents. Please, find them attached to this brief. Additionally, such questionable business practices already have been reported by me to FTC and XXXX and other governmental institutions. Please, consider such documents as well. 

Under United States of America Public Law 93-495, Fair Credit Billing Act, Section 166 Im kindly requesting American Express to credit full amount of {$460.00} back to my XXXXXXXX account and consider the matter resolved, since Ive returned the item back to the XXXX XXXX XXXX . 

Kind regards, XX/XX/2019 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent accounts on my credit report that have been removed and were illegally placed back on
Product: Checking or savings account

Our company got hacked. Someone created a similar domain to our supplier 's and set up emails used to send us updated bank information on our supplier 's look a like letter head. We sent an ACH to Chase account on XX/XX/22. When we became aware of it on XX/XX/22, we alert our bank XXXX and Chase bank that holds the account where funds were diverted. Chase does not want to help us or our bank to open an investigation to retrieve the funds or identify the hacker.
Product: Credit reporting or other personal consumer reports

hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the military data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXXXXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This account has incorrect information that is inaccurate, I want TransUnion to delete this account due to so many errors on it. First is the date that the account was opened, second is the high credit amount and third is the date that the account was last active. By law this account must be reported 100 % correct and clearly this account isnt.
Product: Credit card or prepaid card

In XXXX, 2022, Capital One solicited me, offering to issue a {$200.00} credit card if I put a deposit of {$200.00} in an account as security. I applied and was accepted. I used the card once, paid the bill, never carried a balance but in XXXX, the company closed the card account even though I was never late and have a XXXX balance. The credit bureau said this closed account damaged my credit, so I called Capital One to find out why the account was closed. After several calls, someone said I had an earlier account ( I think it was over 15 years ago ) and there was an " issue '', so this new account was closed. Meanwhile, Capital One CONTINUES to send solicitations for cards to rebuild my credit. 

Capital One should have done any due diligence up front before issuing a " credit rebuilding '' credit card, rather than issuing a card, reporting an open account to credit bureaus, then revoking the account ( when I owe XXXX and have paid on time ). Given the Capital One marketing of these secured cards as credit rebuiders, I believe they should re-open the account with the same limit as before ( fully secured by my cash deposit ) and the bank should conduct any background checks or due diligence BEFORE issuing cards, not as they have acted here, claiming that " something '' happened 15 years ago ( but not explaining what that was ). Capital One damaged my credit, falsely advertised its products and failed to follow laws concerning extending credit.
Product: Debt collection

Received account balance option letter from FreshView date d   XXXX   XXXX  2017 in reg ards to : Current Creditor-CACH,  LLC  ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three opt ions were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,    XXXX   XXXX   2017, I we nt to  the FreshView web site to take option   XXXX , making 4 payments of {$600.00}. I was informed on website to contact them. I called FreshView  at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today ,   XXXX   XXXX  2017, I ca lled CACH , LLC and was told that the matter was sent to their attorney, the   XXXX   XXXX   XXXX   XXXX   XXXX     and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until    XXXX   XXXX    2017 and this debt was sent to an attorney before 30 days. I want to take advantage of the opti on of making  4 payments  of  XXXX  on this debt befor e XX/XX/XXXX  as I  do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days fr om XX/XX/XXXX !
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with XXXX  and Transunion. XXXX and Transunion responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
Product: Debt collection

XXXX account was charged off on XXXX still show balance on my cc report. The cardholder choose to charge off thethe debt, but the sent it to collection breaking the fair debt collection act. When the choose to charge the debt off, I should have received a IRS form XXXX. In which they did not do. They sold it to a collection agency. I not liable for this debt.