23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX XXXX XXXX from Wells Fargo called me and left me a voice message advising me that he is sending Wells Fargo 's resolution as their response to my complaint to your office and on XXXX of XXXX I received his response from you via email. In his message he asked me call him if I had any questions so that we could discuss it. I have called his XXXX different days and left him a voice massage today that it is 5 business days after my call ( s ) he still has not responded. In his voice message he indicates & advises the customer to leave him a message and that he would return the call within 24 hours or One Business Day. Even his voice message is not based on honesty. 
I am filing this complaint because he has left me in the air without returning my calls and ignoring my concerns. W.F. is trying very hard to get my house foreclosed and have not cooperated an inch in the entire time nor wanting to help. Only with a logo of " We are here to help '' ( help whom, themselves or the customer?? ) a pretentious way of fake identity. 
Please contact this abnoxious man and ask him why he is not following the rules or any laws? Plus he did not acknowledge or replied to my concerns in my previous appeal. The only reason I can think of is because he has absolutely nothing to say in favor of Wells Fargo and he can not tell the truth either. 
I will hire a lawyer to sue Wells Fargo if they do not cooperate and help me save my house. His phone no. is : XXXX Ext. XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX US SM Bus Admin XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit
Product: Debt collection

I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement. 

She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me. 

She have caused me XXXX XXXX.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like all these accounts to be removed immediately, otherwise future action will take place. 

Sincerely, XXXX XXXX
Product: Credit card

My name is XXXX XXXX I have credit card with discovery Credit Card Discovery Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX months now I tried to dispute XXXX transactions, on my discovery card and Discovery did nothing they are allowing people to take money from my credit card every month ( XXXX ) XXXX {$29.00} Coming from my account every month ( XXXX ) XXXX XXXX XXXX {$15.00} coming from my account every month ( XXXX ) XXXX  {$29.00} Coming from my account every month I call several times and complain but discovery did nothing. 
I even turn off the card ending in XXXX. 
But every month these charges still coming thru I don't even have a card because discovery close the card I need Discovery to refund me all those charges
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I dont not have a contract with LVNV FUNDING LLC XXXX 
I recently received a copy of my credit report and found that they are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$650.00}. I requested verification and I have not received anything.
Product: Vehicle loan or lease

Since the beginning of XXXX, Santander has disabled my online account so I am unable to see the amount I owe, make a payment, request a payoff, and any other action that I need and or want to take with my loan. They are trying to force me to pay using one of the methods where they charge clients to make a payment, The practice of charging consumers, who are struggling to make their payments and meet their bills, to pay their bill is despicable and wrong. 

I have not missed a payment or been late. Yet they have shut down my account to force me to do something I have not agreed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, XXXX, XXXX and Equifax to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on XXXX a total balance of {$8400.00}. 

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, also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX, XXXX and Equifax has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX Account Number : XXXX Fraudulent 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 XXXXXX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution.

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

I was given a {$750.00} Amex gift card. Tried to use card with XXXX and XXXX XX/XX/XXXX and XX/XX/XXXX and all transactions were declined except one for {$25.00} with an XXXX vendor. Called Amex customer service and was told to try another vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the bureau inquiring about my account months ago. They have not responded to my issues and are disregarding a regular consumer dispute. This is very frustrating to have to worry about my credit while in the midst of a pandemic.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2021 we contacted Chime.com concerning an account which was fraudulently opened in our name. While we attempted to contact them via the phone number on the card received, there was no way to resolve the issue over the phone since their whole system is automated messages. Ultimately we had to send an email to chime.com about the identity theft. 

Upon contacting Chime via email and explaining that we did NOT apply for a card/account and that it was identity fraud, the Chime representative insisted that we email a copy of our state ID/license along with the last 4 number of our social security number. Now mind you, email is NOT secure and we already informed them that it was a fraudulent account. Asking us to send such documentation via insecure email is not only terrible customer service, but a very high-risk method to send sensitive data. Given the fact someone had already opened an unauthorized account, we refused to provide the data they requested since they don't provide any secure means to do so. 

After several emails back and forth they finally stated they locked the credit card so that it could not be used. However right after that statement they said " If you have any additional questions or would like to formally close the account please respond to this email so we can assist you further ''. 

It seems impossible to get this company to acknowledge that the account was opened fraudulently. Currently the account is still there, but they locked the card. This makes no sense and it should not be this hard for a consumer to protect their credit. Chime has made it practically impossible to report credit card fraud where other banking intuitions have secure methods and are very prompt to assist when it comes to fraud and identity theft.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX I visited a Wells Fargo Branch # XXXX drive-thru to make a cash deposit into my account. However, the teller mistakenly deposited my money into someone elses account. 

Upon realizing the mistake, I spoke with a banker at the branch, who filed a claim on my behalf. Since then, I have been waiting for a resolution, but I have not received any updates. No one from Wells Fargo has contacted me to explain the situation or apologize for their error. 

This mistake has caused me unnecessary stress and inconvenience, and the lack of communication is unacceptable. I would like Wells Fargo to resolve this issue promptly, refund my money, and provide an explanation as to how this mistake occurred.
Product: Debt collection

My federal student loan was in my credit report owned by the us department of education for XXXX and was in good sranding the loan was then transferred to mohela for the same purpose student loan thaf is still in good standing. My credit score dropped XXXX points because my loan was on my report then went off and was put back on what is the reasoning for this
Product: Debt collection

Demanding debt validation. Please see original complaint CFPB Ref No:XXXX & CFPB Ref No:XXXX. Company not adhering to 15 USC 1692g fails to provide adequate proof that use of credit card was not unauthorized. They are also conspiring to furnishing deceptive forms relating to correspondences disputing 15 USC 1643 and the liability of the card holder.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit card or prepaid card

On the date of XX/XX/XXXX, after realizing my credit card has been lost during a business trip, I immediately login to my card management online website to request for a replacement and shut down the lost card. My credit card is XXXX Visa card with Barclays ( https : //barclaycardus.com ). In the request form, I was asked what is the reason I need a new replacement card, to which I selected the option that my card was lost/stolen and received a replacement card within the next few days. 

About a few weeks later in XXXX, going over my statements as I often do monthly, I realize there are two abnormal charges from XXXX XXXX XXXX XXXX for the amount below : XXXX XXXX XXXX XXXX XXXX. {$270.00} XXXX XXXX XXXX XXXX XXXX. {$980.00} I immediately called the credit card company to let them know I don't recognize these charged and ask for a dispute. The main confusing point for me is the credit card fraud department seems to completely don't realize that I have asked for a replacement card in XXXX for lost and stolen reason and kept questioning me for why I didn't submit a report earlier. 

Through various good will attempts to explain to different staff on the fraud team, I am still unable to communicate a simple fact that I have tried to inform them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Consumer Loan

Purchased new Nissan in 2013 setup due date thru dealership for mid month. 1st and only statement every mailed to me showed due XXXX of each month.made monthly pymts per this statement on bank auto pay, setting up online acct this morning and finding out for 1st time that I have been charged ) ate fees for 2yrs for paying late, but did not report because acct still considered current, Never called or contacted in anyway to advise me of this, even when I called for help setting up acct online Rep. Did not even say anything about this only found out once I could log into acct. Was told just pay at end of contract. After some time on phone did get XXXX dollars waived but feel should not have to pay any of these fees because I was Never told about this or sent statement. Nissan first said statement mailed to bank because on auto pay? Not sure why because my bank would have mailed them a ck in my name never requested paperless did n't even know acct # this is why I called when setting up acct, if I had not been setting up online in 3 more yrs loan would never pay off because I would continue being charge fees for late pymt.
Product: Money transfer, virtual currency, or money service

Hello, I am encountering a problem with PayPal in which they are not providing me with any support. My account was lifted on XX/XX/XXXX after they acknowledged that the previous ban was made in error. However, shortly after receiving payment for my photo editing work, my account was banned once again on XX/XX/XXXX. 

I have attempted to reach out to the Escalations Team member who previously lifted my ban, XXXX, but I have only received responses from customer support that provide " default reply templates '' indicating that the decision is final. 

I am unsure how their algorithm works, but it appears to be incorrectly flagging my account. I have been working hard and engaging in decent online jobs and have no disputes or gambling-related activities on my account. I have always been in compliance with their terms and conditions. I would greatly appreciate any assistance you can offer in resolving this matter and I look forward to hearing back from you soon. 
I am hopeful that XXXX from the Escalations Team will be able to assist me once again, as he was the only one who took the time to re-evaluate my account before. 

I am respectfully requesting that they re-evaluate their decision and lift the ban on my account. I believe that there may be a mistake in their algorithm. Thank you.
Product: Debt collection

I paid off a debt through a collections agency True Accord. XXXX is saying I didn't which is where I use to owe the debt to. I showed proof that I did and XXXX the credit company still will not change the amount and status as paid.
Product: Money transfer, virtual currency, or money service

I did a money transfer to someone through PayPal supposed to be for an item instead the person sent me pills I opened a case with PayPal and because they had a tracking number they wont refund my money which was for {$520.00} I pd a person in XXXX but I got an envelope with pills in it from XXXX but PayPal will not refund my money please help thank you
Product: Credit reporting

I have a derogatory remark on my credit report. I had a surgery that began in XXXX and carried over until XXXX. I paid my deductible, but then the company argued with me that I had to pay it again. I was told my the hospital administration check in that I would not have to pay XXXX deductibles, since it was related and on-going. I was given a summons and immediately paid the debt. How and when can I get this derogatory remark off of my credit report?