23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I recently purchased a new car and am having issues with my lender, Wells Fargo Dealer Services. I received a collection call after receiving no information about my loan - including account number and any identifying information for websites. After complaining that I had no information and just wanted to be enrolled in Auto-Pay they took my bank information and I made a payment. I then logged into the website to sign up for Auto-Pay. I made 3 attempts to enroll online and I believed that the last attempt succeeded. The next month I got a call saying my bill had not been paid and being treated as thought I was a criminal - I never pay bills late, so this was very frustrating to me. I paid via phone again and they had no explanation for why my auto-payment had not been taken. They have my information so I asked that they just enroll me in it. They said they ca n't do it over the phone ... even though they store my information and have all the same information on file that they would need to enroll me. I logged in again during the month and tried to re-sign up or confirm my signup. It gave me an error message. Today I received the same call. For the first time the rep informed me that it takes a full billing cycle to work, which no one had told me, and also that somehow it was n't showing that I was enrolled. I made my payment and scheduled a payment for the next month, then I asked if he could enroll me in auto-pay. He said he could n't, but I could log in online and enroll or enroll by mail. I logged back into the website and got another error message after filling out all the forms. ( Keep in mind that every time you want to enroll it requires logging into both your loan account and your bank account to get account and routing information that Well Fargo is already storing ) This time I called and was told that because my account was past due ( I already authorized a payment today ) their policy was to prevent my account from enrolling in online banking until the payment processed. I can do other things online, just not fix my problem. The policy is clearly set up to keep consumers behind on payments. There is no logical reason why, after logging into their site on many separate occasions, I have not yet been able to successfully pay my bills automatically. And there is no logical reason why the ability to enroll in auto-pay should be limited because of an issue enrolling in auto-pay! It 's absolutely a system meant to create inconvenience and to prevent you from solving the problem when you are actively dealing with it. Please require that they change this policy that is damaging to their customers. I just want to pay my bills easily, and if there is a problem - fix it promptly. That should not be too much to ask.
Product: Credit reporting or other personal consumer reports

I had an Account with XXXXXXXX XXXX that I completely paid off. XXXX debt collection is on my credit report reporting inaccurate information under XXXX.This creditor also has a duplicate Account in my name using my information without my knowledge or consent.I have disputed both accounts and they have refused to remove them off my credit. - One Account is completely paid off and was agreed to be removed. - Second Account is a duplicate account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I have reported these inaccuracies multiple times and they have not been removed. These items are negatively affecting my credit worthiness and credit score based on inaccurate items.The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to remove or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [  XXXX   ] cre dit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Product: Credit card or prepaid card

i wanted to just add this complaint # XXXX but I couldn't find a way to do it. Capital One closed my XXXX rewards card because they learned I had a criminal record. I already stated before that I think they should have to ask before giving credit or at least have a disclaimer that if certain things are in your record, they will close the account. I mentioned that I thought it was against Ohio law as stated in their paperwork for this very card. Ohio 's anti-discrimination laws say they must provide credit equally to ALL credit worthy persons. My scores are near 800 so I think I'm credit worthy and they must have agreed because they issued a card. Under their " Additional Disclosures and Term and Conditions, '' there is not one thing there that prohibits me. This is their own paperwork for this very card! I would agree that I can do things after a card is issued that would make me less credit worthy ( missing payments, running up high debt, etc ). None of that happened. Can they point to a single payment I missed? Can they point to a rising credit utilization rate? Can they even tell me how my background supposedly makes me less credit worthy? Since I've been released from prison, my credit score has only risen. Everything I did that they have a problem with happened before they issued the card. The more I look into it, however, I think even a Federal law was broken here. According to the Fair Credit Reporting Act, if they want to background check me, it requires a written authorization. Can they show me where I signed such an authorization? The whole thing was done online and I don't remember there being any mention of signing for a background check. Their paper work does say that I authorize Capital One to check my credit and employment history. I have good credit and I am employed, but I did not give consent to check my background. They never asked for it! The FCRA requires my signature for you to run it. No signature, no right according to federal law to run that check! Show me where I signed for that and show me where you're allowed to do that without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to each credit bureau re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person.
Product: Debt collection

In the month of XXXX, the company Genesys National Recovery contacted me through XXXX XXXX asking me where I was since he was going to serve me with a legal summons. of a letter that several indicated that I owed {$490.00}, at that moment they told me that if I did not pay him XXXX they would summon me for a legal case. pay that amount in several installments within 45 days. On XX/XX/XXXX they write me again indicating that I owe XXXX dollars from the same gym. I told him that I had already paid him and I had no more money. After that they call me during my working hours and they have made 5 call attempts in 4 minutes. my financial and mental situation has been affected by harassment from Genesys Nationals Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I called William Rush and Associates concerning a debt that they are reporting on my credit file. I called and spoke with a XXXX around XXXX CST. I asked XXXX if I could make a payment arrangement on the debt that they claim I owe. She gave me XXXX options, XXXX to pay in full ; XXXX to pay a settlement amount ; XXXX to pay 25 % of the original debt and make monthly installments. I told XXXX that I was unable to pay any of the amounts that she had provided and that I was willing to pay {$100.00} towards the debt and make arrangements afterwards. XXXX informed me that if I did not pay the debt by XXXX the following day then she would " advise her client to move forward with theft charges. '' I told her that was unecessary but I still did not have anything close to the amounts that she was requesting for me to pay. She further stated that if she advised her client to move forward with theft charges that there would be an additional {$1500.00} added to the overall debt amount owed. I told her that I did not have that money but I am willing to pay {$100.00} towards the debt and she again told me that I had until XXXX on the following day to pay or she would advise her client to move forward with theft charges. She further advised me that I have credit cards that have {$1000.00} balances, I have a car loan, and I have student loans that were showing paid on time and that I needed to call them and ask for a credit increase and tell my car loan servicer that I needed to skip a payment in order to pay William Rush & Associates. I told her that I only have {$13.00} available credit on the credit card and that I do not have anything other than what I told her I had. She then told me to call my family members, clergy, etc. in order to gather the money to pay. She further stated that I have been attempting to purchase something since XX/XX/XXXX and I needed to pay this debt prior to purchasing something else. I ended the call. Shortly thereafter, at XXXX I called back in hopes I would get a different representative and was connected to XXXX again. I asked her about the payment arrangements options that she had originally given me on the first call and she repeated them. I asked her if there was anyway to pay next week and she stated that I had until XXXX tomorrow in order to pay or she would advise the client to move forward with criminal theft charges. I told her that I did not have that amount to pay and that she did not have to wait until XXXX tomorrow that she could advise the client to move forward with theft charges right away. She said that she would and ended the call.
Product: Debt collection

This is debt do not belong to me. I sent court documents and a letter from previous landlord to proved that I was not living in/on the property. XX/XX/XXXX I moved into XXXX XXXX XXXX XXXX XXXX, FL XXXX. I lived there until XX/XX/XXXX. I received court documents from landlord giving me notice that I have to move from the property with in 60-90 days because the property was being sold. XX/XX/XXXX the property was sold I was given additional time to move my belongs into my new residences which is XXXX XXXX XXXX XXXX. Currently I am still residing here until further notice.
Product: Checking or savings account

The initial reason why your XXXX business accounts ending in XXXX and XXXX were closed was due to the business profile address was never updated to a physical address as the business profile still listed your private mailbox or XXXX XXXX XXXX However, we do see an address update was made to your business account profiles to your physical address per your XX/XX/XXXX, combined statement. Again, this was only the account profile level not the business profile level. We found that you spoke to a representative on XX/XX/XXXX, and they verified that your residence address was showing on your accounts. Unfortunately, our representative failed to look at your business profile address, which was not updated therefore led to your closures to these accounts. On XX/XX/XXXX, the business profile address was then updated to your physical residence address, however the accounts were already in the process of being closed. 

This was not my fault, I have no control over the updating of the business address as this is done internally within Wells Fargo. I informed Wells Fargo representatives that I needed at least XXXX days from XX/XX/XXXX to get to Texas to update the error on the XXXX papers of my business, I was told that would be fine as Wells Fargo did not discover this error until XX/XX/XXXX. But, I was not told that it was this address that was in error until XXXX of XXXX. The representatives kept telling me that it was the residence address that I did change to correct the error. 

XXXX papers have to be signed and dated and notorized at XXXX XXXX XXXX XXXX in person, so I asked for the XXXX days to get this done. The accounts were in good standings and because Wells Fargo just closed my business accounts after adding the requirement of higher monthly balances that I addressed with great difficulty, I transfered the money in my personal accounts out, until I could get this problem corrected. 

The four ( XXXX ) accounts had the requiement of making at least XXXX transfer per month to avoid the monthly fees, which I always managed to do.

Now, all four ( XXXX ) accounts are closed and Wells Fargo is saying that Wells Fargos doesn't have fee free accounts, which I had before Wells Fargo 's unskillful manner in which representatives handled investigating this error. 

This problem has gone on since or about XXXX of XXXX, when I opened business checking and savings accounts for my XXXX XXXX XXXX  banking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate dates in XX/XX/2019, I submitted requests for credit monitoring due to the Equifax Breach. On neither of those occasions did Equifax even acknowledge the receipt of the claim, other than issuing two confirmation numbers.I sincerely believe they are not taking the magnitude of the problem seriously, and, are not making a good faith attempt to make the clients who have suffered a data breach of their personal data whole again.This company should not have been given a free pass to continue business as usual.
Product: Bank account or service

The bank processed credit card transactions that resulted in overdraft fees, I do not have this service setup and they should not have processed these transactions. They claim they are reoccurring because I used the same companies before but I did not authorize this.
Product: Credit reporting or other personal consumer reports

Navient has been reporting inaccurate information on my credit report for over a year. The company did not conduct a thorough investigation and fix the error and this has caused me financial harm. Since then Navient has been sued for a wide range of student lending failures.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX this is not my account please delete XXXX XXXX is not my account please delete
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item 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 ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2016, I checked my credit report and all of my inquires were deleted. I looked back on my report today and they are all back on my credit report.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard Inquiries were without my verification nor consent, nor my knowledge, I have fraud protection and a contact number on file for them to first verify that it is me, and they didn't ... 


XXXX/XXXX  Inquiry from XX/XX/2020 + Miscellaneous XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 + All Banks XXXX/XXXX XXXX  XXXX Inquiry from XX/XX/2020 + Miscellaneous
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, 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 XXXX XXXX, 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In early XXXX, their representative indicated that they would issue a refund check in about six weeks. In early XXXX, I received a billing statement indicating that the available credit was {$620.00} above the credit limit ( the amount of the original loan ). I have not received a reimbursement check as of today. Then today I received another statement, indicating that they had applied a {$50.00} fee, and that I owed them {$20.00} due on XX/XX/XXXX, XXXX XXXX 
When I spoke to Customer Service today, the representative STARTED a refund request. She gave me the case number for follow up.
Product: Credit card

I did not apply credit card to XXXX XXXX Credit Card Application. 
However, I received a letter from the company that my application has not been approved. 
I guess somebody who stole my personal information might apply credit card. 
I want to get all credit card company need to stop issuing credit cards.
Product: Mortgage

I owned a house in XXXX, New Hampshire ( XXXX XXXX XXXX ) and was foreclosed by Wells Fargo in XXXX even though I applied for Mortgage Modification, and thought I was approved but they still foreclosed. I was evicted in XXXX of XXXX but still filed for relief and eventually, as part of a government settlement, I received a check fir {$6000.00} ( the maximum payment ) .... which I tore up and mailed the pieces back! 
My mortgage was 2 months and seven days late and I mailed a check ( which they a cashed ) for the 3 payment .... ... but this did not stop the foreclosure... I also had an equity loan which as up to date and after the foreclosure of the mortgage they unilaterally closed by equity loan... I addition I found out they masked their financial mendacity by making reference to the person we bought the house from and not the foreclosurdeed ... .. Also I had an attorney ( XXXX XXXX XXXX XXXX NH XXXX and he might still have al the record which I left with him for safe-keeping., I thought after all time all was lost but now is the time. 

Thanks XXXX XXXX
Product: Mortgage

I was told from my agent that the sellers agent wanted me to call XXXX XXXX XXXX to obtain preapproval although I was already preapproved and submitted to underwriting by numerous different mortgage companies despite that I went on and applied submitted documents at which time XXXX XXXX XXXX. Pretty much instantly denied the preapproval and told me that everything was going to fall through with the deal, and that the other companies are lying to me and that they didnt do what they clearly did. She failed to ask me if I was using any retirement funds if I was using any gift money or if any of the credit cards on my credit report or my fiancs credit report were paid off. We left the phone call that I was going to continue to go through one of the four other companies that I was already preapproved from and submitted to underwriting. Subsequent to this and not deciding to go with the company, she disclosed private financial information to the sellers agent, and that the deal was going to fall through and that what my mortgage companies did wasnt true eventhough theres clear evidence I was preapproved for more than the purchase price.. XXXX and the sellers agent were friends and she was the XXXX XXXX XXXX XXXX XXXX XXXX the sellers agent gets kick backs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received statements from  XXXX   XXXX . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score.