23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!
Product: Checking or savings account

Banking services or operating as expected. SunTrust, BB & T merger into Now Truist has been a very visible failure. Having been referred to BBT in TX, no SunTrust brick and motor presence, BB & T ( now Truist ) had no banking information as to who we were as long standing SunTrust bankers. 
Long hold times, inoperable banking systems and no assistance after more than a year since the implementation of this merger.
Product: Vehicle loan or lease

On XX/XX/year> I made my car payment manually through the BMW financial app. Automatic payment for XX/XX/year> showed {$0.00} due. On XX/XX/year> my bank notified me of being overdrawn as my money market had my money in it as my car payment should not have been withdrawn. I called BMW who informed me that their system does not see the payment not being due and will still pull the payment due. I requested a return of the payment and was told that it would take 15 business days and that they didnt see my first payment on the XXXX was from the website and it was a mailed check. I explained that I have a confirmation code in email from their website. Very predator type automatic payment setup and a lack of correction in a timely matter
Product: Debt collection

I am in receipt of Schlee & Stillman LLC. letter informing me that they are handling the collection of an account with the ending reference # XXXX which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Schlee & Stillman LLC., and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Schlee & Stillman LLC., as a business entitled to enforce a commercial claim against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with Experian. Consequently it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, XXXX XXXX  XXXX, XXXX, XXXX and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Product: Mortgage

I have held an FHA mortgage with Wells Fargo since XX/XX/XXXX, loan number XXXX. I have owned this home since XX/XX/XXXX.  Never before had I missed a mortgage payment with Wells Fargo, or my previous loan processor despite significant financial hardship incurred during XX/XX/XXXX-XX/XX/XXXX due to losing my job in the financial industry. In XX/XX/XXXX, I inquired about a modified payment plan on my mortgage ending in XXXX in order to help me stay afloat. Wells Fargo informed me they did have a 6 month plan where I could reduce my monthly mortgage payments from {$1100.00} down to {$320.00}. Not once during the process was i informed of the need to complete a loan modification at the end of the 6 month period. I was approved for this plan, and began making reduced payments on XX/XX/XXXX. Not once did I miss a scheduled mortgage payment during this period. Nor did I receive regular monthly statements informing me of what was going on with my loan. At the end of the six month period, I received a notice of foreclosure on my property unless I paid an overdue balance of {$8100.00}. This was, of course, a severe shock to me as nowhere was this ever disclosed. After speaking to Wells Fargo on multiple occasions, I was informed that none of my 6 {$320.00} payments were applied to my loan, they were held in an " un-applied funds '' state. They informed me I had three options, pay the overdue balance, apply for a loan modification, or lose my home. Seeing no other choice, I applied and went through the loan modification process. At the end of which, after supplying tremendous amounts of documentation to WFHM, I was declined as they determined I did not have sufficient ability to repay my loan, despite having a full time job earning a reasonable salary. At this point I either had to come up with {$8100.00} or lose my home that I had built a significant amount of equity in. I was able to scramble to pay the overdue balance by borrowing funds from family, however, to add insult to injury, I later found out that Wells Fargo had reported me as 180 days delinquent on my home mortgage, despite having made every scheduled payment on time. I contacted Wells Fargo multiple times, and even wrote a letter to the executive escalations team to have these late payments removed from my credit and a refund of any fees that were assessed to me from the 6 month modified payment plan, however I never received any resolution. Due to the late mortgage payments reported to my credit, my wife and I experienced severe hardship as we were unable to purchase a home for many years after the fact due to the damage to my credit that was unjustly done by Wells Fargo. I have always felt this was a blatant fraudulent attempt to seize my property through shady mortgage tactics, offering hope to someone experiencing financial hardship only to step in at the last moment to take my property under the guise of foreclosure.
Product: Vehicle loan or lease

Incomplete or Inaccurate Documentation : I have not received any documentation from the creditor regarding the repossession of the vehicle in question. I am unaware of any legal proceedings or written notices regarding this repossession. 
Violation of State Laws : As per my knowledge of the applicable state laws, the creditor must provide written notice of intent to repossess the vehicle, as well as an opportunity to cure the delinquency before the repossession occurs. I have not been provided with any such notice, and therefore, the repossession may be in violation of the law.

Lack of Opportunity to Reinstate the Loan : I was not given an opportunity to catch up on the delinquent payments or to reinstate the loan, which could have potentially avoided the repossession. 
I kindly request that you investigate this matter and provide me with a written response outlining the results of your investigation. If it is determined that the repossession entry is inaccurate, I expect it to be promptly removed from my credit report. As a result of this incorrect information, my creditworthiness has been unjustly affected, making it difficult for me to obtain credit and negatively impacting my financial well-being.
Product: Credit card

Regards, Since XXXX, they started charging me the foreign fee for just one transaction, when it was carried out in XXXX XXXX and the currency in XXXX  is USD. 
XX/XX/2024 fee : {$7.00} Then in XXXX they charged me the fee for XXXX transactions made in XXXX  under the USD currency, and they are even transactions from food places, in the years that I have been there they have never charged me the foreign fee for purchasing in USD currency in XXXX  ( American territory ). 
XX/XX/2024 fee : {$3.00} I am only referring to this dispute, the charges for the months of XXXX and XX/XX/2024. 

I need a trained staff with knowledge of banking and credit cards to analyze and investigate it. The staff who assisted me were very lost and gave answers without analyzing and without carefully looking at the statement, nor did they ask questions to understand the situation. I called last XX/XX/2024 and they told me a dispute number # XXXX and when I called on XX/XX/2024 there was no dispute made after having me on the call for about an hour. On XX/XX/2024, the representative who assisted me also did not understand the situation, tried to create the dispute and only gave me the postal address where I should send the dispute, since the system did not allow him to create it. 

When I request information about the transactions to tell me " in what currency I made the purchase and in what currency they charged me '' no one knows how to answer the question. I asked them to contact me with a supervisor and what they did was transfer it to another employee. 

I just want to be reimbursed for those fee charges that are not legal since there is no currency exchange. 
These charges made by Foreign are illegal, all purchases that were made were in XXXX XXXX, an American territory under which the location of the card is located. In the years that I have had the credit card, this situation has never occurred. Please investigate and refund the fees charged that do not apply when the purchases were in USD currency and are stores from which I frequently purchase. 
I had only made the dispute for the XXXX account statement but now in XXXX I have a charge for the same situation and now more stores join in which I buy frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ Data International, a debt collection agency lists an outstanding debt on my credit report which was disputed with XXXX, XXXX, and XXXX credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX. The company failed to contact me or the credit reporting agencies within the requisite period of time per Fair Debt Collections Act. The debt still remains on credit files as unpaid and as a consequence has resulted in adverse credit decisions for leasing apartments.
Product: Credit reporting

My husband and I filed a chapter XXXX bankruptcy in XXXX. The original case was dismissed because our attorney did n't follow proper procedure. The case was reinstated under a different case number and the case discharged in XXXX. In XXXX the dismissed and discharged cases fell off our credit report as they should have after 7 years. 2 years later the dismissed case has come back onto our credit report for Equifax. Equifax is refusing the delete this public record from our credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I had pending charges from an place that appeared to say XXXX XXXX, I already knew it was fraud because no one has access to my account or card so I went up to my bank to tell them it was fraud, I called my fraud line, cancelled my card ordered a new one, the bank told me I had to wait until the charge fully went through to file a fraud report, sounded stupid but Ive had to do it before so I waited, on the XXXX the money fully went through, I returned the fraud paperwork to dispute the transaction that exact day, my bank XXXX XXXX XXXX XXXX ( XXXX-XXXX-XXXX ) was barely doing there job and they contacted google and tried to get the money refunded, mind you, I dont have the money for my bills in my account, so Im waiting for 10 days to hear back then they say they cant see it as a fraud which makes no sense because I live in Virginia, the charges came from XXXX, I went up to my bank and told them and they said they would try to look into, cane back to me the next day and said they couldnt and wouldnt refund my XXXX dollars and I dont have time for this my money is suppose to be insured by the fdic and ncua please help me out
Product: Money transfer, virtual currency, or money service

Name of Company : XXXX XXXX XXXX {$25000.00} to include XXXX shipping. 
Start shipping XX/XX/XXXX & was to arrive on XX/XX/XXXX. The car Did Not Arrive Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX Wire Transfer from XXXX XXXX  XXXX XXXX Mo made from a XXXX acct on XX/XX/XXXX to JP Morgan Chase Bank. The address of the bank it went to was XXXX XXXX XXXX XXXX GA XXXX, Acct number is XXXX Routing number is XXXX, Wire Reference # XXXX. The reference number for the transaction is XXXX Explanation of incident : I found a XXXX  XXXX XXXX XXXX XXXX on a website. They claim to be a repo broker service for vehicles. They only handled the paperwork for the banks and businesses that had repo accounts on the vehicles. I ask to visit so I could take a look and I was told they were the 3rd party therefore did not have any vehicles to show they ship directly from owner lots. They told me the car title would come after the 14 days waiting period after I received it and I wanted to keep it. They claimed to give the buyer up to a 14-day try-out period and If I did not want it I could ship it back without a fee. If I did not want the car a refund would be sent back up to 3 days when the car returned to the owner 's lot. 
The day came and went with no delivery I took a day off of work to be there when it was to arrive on XX/XX/XXXX at XXXX XXXX. I started trying to get ahold of someone at the previous contacts numbers and emails but I did not receive any response or explanation. 

It was such a disappointment to realize it was not going to be arriving I am out of my money due to this scam. I would appreciate whatever you can do to remedy this so someone else won't suffer the same consqences.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent a Debt Validation letter to First Federal Credit Control, located on XXXX XXXX XXXX XXXX XXXX, XXXX OH, XXXX. After receiving the response my XXXX rights were violated because it showed some medical procedures I have received while I was hospitalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( XXXX ) IS REPORTING AN UNPAID DEBT TO MY XXXX CREDIT REPORT. I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND THIS DEBT DOES NOT BELONG TO ME!!!! SEE ATTACHMENT TO REVIEW ALL DOCUMENTS PROVIDED. 

THEY REPEATEDLY STATED MY DEBT IS VERIFIED BECAUSE MY NAME, ADDRESS AND SOCIAL SECURITY NUMBER MATCHES THEIR SYSTEM. I'VE ASKED FOR SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM, PROVING THE DEBT IS MINE AND THEY STILL FAILED TO DO SO.
Product: Debt collection

Dated XX/XX/year> XXXX XXXX My credit is dropping because I have a charge of XXXXXXXX XXXX dollars on my credit report from a lender that I didnt receive or remember dealing with that company at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of section 605a USC 1681 c-1. I have submitted my FTC report and supporting documents about a fraudulent account and address that is reporting on my credit report since XX/XX/2022, well over the 30 day allotted time. 

Experian has not blocked or removed this information as of yet and has pushed my investigation close out time back 3 times, which is also a violation of the fair credit reporting act. The company XXXX XXXX has not assisted with removing or sending me any information in reference to this fraudulent account. 

They responded to CFPB in my last complaint that they would send me an identity theft affidavit to sign and return and they still have not done that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Shoes delinquent in payment is incorrect XX/XX/year> and XX/XX/year>XXXX XXXX
Product: Mortgage

Mr Cooper FAILS to connect me XXXX a real time representative. Templated automated features FAIL to allow this consumer TO PAY OFF MORE of the monthly principal. In short, these XXXX  wont allow me to give them more .
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerifinancial Solutions XX/XX/XXXX {$630.00} ( disputed no action ) XXXX XXXX XXXXXXXX XX/XX/XXXX {$710.00} ( disputed no action } XXXX XXXX XXXX XXXXXX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific details of the repossession in question : [ List specifics, such as the date it was reported, the creditor 's name, account number, and any other relevant details. ] 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a. Who did you speak to? b. On what date? c. How long was the conversation? d. What was their position? e. What telephone number did you call? 
sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

The burden of proof falls on the CRA 's Credit Reporting Agency. Called Experian on XX/XX/year> at XXXX XXXX XXXX Talked to XXXX about disputing incorrect addresses. One particular address does not even exist. I told Experian and they did not want to remove it. I told them I never lived on a XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX It's not even a real address. 

I even got transferred to the fraud department talked XXXX at XXXX XXXX XXXX  on XXXX. I explained to her, that if I go to the police station, The staff will look at me like I was crazy, disputing an address that does not even exist on the maps.
Product: Credit card or prepaid card

On XX/XX/XXXX ( pre COVID 19 ) I charged a gym membership to my Barclay 's issued UBER Visa card in the amount of {$500.00} for a two-year membership. I was renewing my membership for the third time since I became a member there. Then in Illinois, we were shutdown in the month of XXXX which included gyms. At the end of XX/XX/XXXX gyms were permitted to re-open with restrictions. The gym where the membership was for did not re-open yet, which was not uncommon in many cities. So I waited a couple of weeks, and people were posting on social media that the gym was going to reopen in XXXX. I tried calling the facility multiple times, sent them an email to their general mailbox, and also posted a few times on their social media page to inquire when they would re-open. I waited because who would have known with the current environment we live in that they still might not open. So at the end of XXXX, I wrote a letter to Barclay 's to dispute my charge of {$500.00} because I saw that equipment was being removed from the gym location, indicating to me that they were not reopening. On XX/XX/XXXX and XX/XX/XXXX I got letters from Barclay 's stating that my dispute was assigned to a specialist. On XXXX I received a letter stating that my dispute was being rejected because too much time had passed between when the charge occurred and when I disputed it. The only reason why there was so much time between the two events was because of COVID lockdown, not because I was just procrastinating disputing it. The rejection was only because of the general rules that do not take into account what we are currently facing in today 's environment. The charge was for a two year membership, not a one time purchase, and the fact that Barclay 's never even reached out to  me to discuss the situation indicated to me that they only rejected it because of the time line, and did not even take the time to understand what the charge was for and the events that let up to the dispute. 

On XXXX I called Barclay 's number on the rejection letter and was told there was not anything the Relationship Manager could do for me but I could write another letter to have my case re-opened but  there was no guarantee that it would get resolved either because of the time that has passed between the charge and dispute. It's hard to communicate this information in a letter when it is much easier to explain it over the phone with a simple phone call.
Product: Prepaid card

I was gifted a prepaid {$100.00} XXXX  in XX/XX/2023. It appears to be through XXXX It came with a sticker saying I must activate the card online or via phone to be able to use it online. I tried XXXX times online and every time it continued to say try again. I then tried to call the phone number and activate it that way. It continued to say the security code was incorrect which it clearly was not. I tried this XXXX times to confirm numbers and got the same error. I then called back to see if I could speak to a live person. When you call there are no prompts it just asks you to put in a card number. I continued to say " customer service '' thinking it would direct me to someone but it continued to say it didn't understand and would hang up.

I then went to their website and hit " contact us ''. The only thing on there was the same phone number I have already tried.

I would like to eb able to use the money I was given by my family for XXXX and it's very frustrating thar I can't even find a person to talk to.