23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a small business account ( self employed ) with Wells Fargo and use Mobile Deposit since I'm a XXXX and due to my work schedule. On XX/XX/22, I made a mobile deposit of {$490.00} with a check from my client XXXX XXXX XXXX and XXXX XXXX drawn on their line of credit with XXXX XXXX XXXX. The routing # of the XXXX XXXX is XXXX and the account on the check is XXXX. Then on XX/XX/22, we were notified the above referenced {$490.00} was returned for the reason of Account XXXX. After contacting my client, I was informed that their banker at the XXXX XXXX XXXX advised them that Wells Fargo coded the incorrect account number XXXX when sending the nightly file that night. Wells Fargo transposed the last XXXX numbers. My wife having been a banker for 30 years called Wells Fargo about the coding error/returned check. They could not help since the staff in the Customer Service area have not access to the processing reports for these transactions nor can they call their XXXX XXXX department for assistance with this error. 
Since I constantly get draws for my work from this client, Wells Fargo has coded my account with a message of " Unusual Account Activity '' especially when I deposit checks from this client 's XXXX XXXX line of credit. 
Now on XX/XX/22, I made a mobile deposit of {$7100.00} from the same above referenced account XXXX at XXXX XXXX XXXX and received notification of a hold saying it would be released on XX/XX/22. When I check my account on XX/XX/22, I noticed Wells Fargo made a Mobile Deposit Adjustment of {$7100.00} on XX/XX/22 which is the same day I made my deposit. I received nothing in writing ( email ) about this adjustment. When I called their customer service this morning, at first the girl said it was returned ( impossible on the same day ). XXXX reason for the return was given but she changed the reason to " Uncollected Funds ''. I thought banks were to notify you in writing ( email ) of returns?? Also, if they called this XXXX XXXX, I had explained to them earlier, XXXX of XXXX at theses smaller credit unions or banks are pulled up with an entirely different account number then what is listed on the bottom of the checks. Evidently, there was a communication issue with the staff at Wells Fargo and the XXXX XXXX XXXX. My client showed me his available balance in his XXXX of XXXX and the funds were good. 
This all started due to Wells Fargo making an error in the beginning and now I'm suffering and my client 's feel like the burden is on them when it should be Wells Fargo. 
I truly believe Wells Fargo did not follow federal deposit regulations in how they handled the last deposit of {$7100.00} and the reversal of the deposit on my account. They owe me an explanation and I believe Wells Fargo should face some kind of monetary fine issued by and paid to their federal regulator for this blatant error. 
XXXX XXXX XXXX cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Mortgage

I made a principal payment of {$9900.00} on XX/XX/22. US Bank withdrew {$9900.00} from my XXXX XXXX checking account. However, US Bank has not given me credit for the principal payment. US Bank shows on my account activity a payment of {$9900.00} and then a payment reversal of {$9900.00}. When I spoke with customer service manager, I was assured that the {$9900.00} would be returned to my XXXX XXXX checking account. When after nearly a week I did not receive the {$9900.00}, I called back US Bank. I am now told by the customer service representative that the {$9900.00} seems to be lost in the process and was told an investigation has been requested. The investigation will take about XXXX business days. I want the {$9900.00} returned to me immediately and I do not want to be charged the interest on my XXXX  loan for this amount while my money is missing due to the fault of US Bank.
Product: Debt collection

I looked over my credit report and noticed this company was on my report for a {$560.00} from XXXX XXXX XXXX XXXX. I have no recollection of this debt and I requested verification and a PFD as this being on my credit report is affecting me negatively and theres NO proof it is mine. The company has not responded to any written correspondence Ive sent and has never sent me any proof that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Y name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never applied with Chase Bank and was told I have a home loan, which I live in a XXXX XXXX XXXX Assist'ed Apt I had a student acct with XXXX XXXX XXXX in XXXX, CA on XXXX XXXX I became very XXXX from a XXXX back in XXXX ( not certain exact date 's ) and my account was said to have a Insurance binder that would pay 6 months payments if I ever needed it. 

I had to spend every penny I could scrap up to detox from a bad batch of XXXX I had been prescribed from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX I even had to let my XXXX XXXX XXXX shut off to afford to shop at Whole Foods Grocery Store in XXXX, CA XXXX XXXX failed to provided the Insurance payments stating I was already injured at the time the credit was granted and therefore did not have to cover me, yet kept promising they would. 

My credit score plummeted drastically. 

It breaks my heart as I have been trying to re-establish myself. This keeps a dark cloud over my head and is unfair.
Product: Debt collection

The collection agency obtained a judgment against me only for medical bills associated with the birth of my and my ex-husband 's daughter even though I was legally married when she was born and covered under my husband 's medical insurance. I contacted them approximately 1 month ago to explain the circumstances of the bill, that the judgment should be against us both, that according to a court ordered divorce decree dated XXXX/XXXX/XXXX, my ex-husband is responsible for those medical bills, that I am currently on welfare ( food stamps & OHP ), that he is almost $ XXXX in arrears on child support, that he has no parenting time with the kids, I have no family to assist in the area, and I only work XXXX hours per week supporting the kids completely on my own. 
Last week, my employer and I received a garnishment for {$2900.00}. The judgment is dated for XXXX/XXXX/XXXX and the bills are from on and around XXXX/XXXX/XXXX. They want to take up to XXXX % of my wages for medical bills that are over XXXX years old for my daughter 's birth when I am having difficulty financially supporting them now. I was told that it is perfectly normal to take legal action against only me for the medical bills and that I should hire an attorney. Clearly I can not afford that. Please help! This is completely discriminatory against me as the mother and disabling to my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a debt validation pursuant to law was requested from Resurgent Capital Services and was signed and received by a XXXX XXXX on XX/XX/2018. In a letter dated XX/XX/2018 validation was not satisfied as requested since all that was received was a notice that I have a right to substantiation of debt. There was no clear proof that the debt was accurate or valid, in clear violation of 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. Not only did I not receive the requested validation, the amount of debt, proof of service, or proof of ownership was not provided.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these items was in dispute within 30 days now these items in violation XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$660.00} XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$1200.00} XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX  {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Product: Mortgage

I sent you a question about why my mortgage company hasn't taken their money out which in drawing on on the XXXX of each month an has been since XXXX of 2020. 
Got a letter saying I'm late. But nothing about what I asked you. Why didn't they take their money on the XXXX. 
That's been my payment date since 2020. 
I'm still waiting and I will not pay a late fee for them not doing their job. 
Thanks. 
XXXX XXXX XXXX
Product: Mortgage

never was late on anything, so was talked into getting a reverse mortgage, a new car, and was told I'll be getting a check for life for oil. I'm a single senior, and because I was talked into this I was charged fees for the reverse mortgage, Very High interest rate, so won't be able to pay off my home as soon as I had wanted to. Had absolutely No Problems paying my mortgage, but now I'm SO STRESSED over having to pay about double of what I used to pay, before this reverse mortgage. Can't rest thinking on paying over nine hundred dollars a month in interest, and was told I don't need to pay on the principle. I burst out crying, because they are trying to take my home away from me, my children and grandchildren. Being a XXXX female, gone through many trials and tribulations I never imagined my home would get taken away from me. I need things back as they were. They offered to help me for 6 months, and then I'm on my home but what can I do after 6 months with a new car on my credit? I was promised {$500.00} or {$600.00} in an oil deal, but nothing as yet has come of it. This is the reason I was talked into getting the car, so I depended on paying it with what I get from the oil deal. I'm SO DISTRAUGHT, I don't want to accept their money!!! I want my home back the way it was!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite many requests XXXX XXXX XXXX refuses to discontinue reporting in accurate information caused by ID theft in the closure of a credit card to Experian and other CRAs. 

When my credit card was ran up I made the request to issue another one and although the balance was still paid by myself on the first card it reports as maxed and that I have to open accounts which is not the case since I only have one. This of course causes a huge drop in my credit score and both parties seem to have refuse to correct it
Product: Credit card

I made a large sum to pay off my credit card account with bank of America. I was assured that since i have paid the full amount and closed my account I had no more payments. A month or more later i found out that they had sent a payment that was charged a couple of days after i had made a payment, to the credit bureua as past due. I immediately called them and and requested information on a payment i was told i would not have, they explained that this interest charge was due to the fact tht i did not completly pay off the account. After the reviewed the account better they saw that i had indeed paid the full amount and that the past due payment was placed on my account a couple of days after the final payment. They stated that i would have to pay the amount or they will proceed with collections.I made the full payment and was again reassured i would not see any more charges and that the account will be closed by the end of the billing cycle.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 instructi
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get assistance with this matter to no avail. XXXX XXXX is erroneously reporting this as collections on behalf of XXXX XXXX. I have contacted XXXX XXXX directly and am not able to get assistance because they show the account is with Legal and informed me that I needed to speak with Monica Guilarte Law Office directly. Monica informed me that she does not handle collection/credit reporting matters during our mediation with the XXXX XXXX XXXX when the dismissal was granted. I am not able to get to the right person to assist with ensuring that my credit reporting is updated and credit bureaus are not aware of the status. My rental history is showing a negative report by XXXX XXXX for {$3500.00} as of XX/XX/2021. XXXX XXXX is not able to assist and all connected parties are directing me to the other. 


Payments on the stipulated amount of {$2600.00} are being made directly to Monica Guilarte. Can someone please assist with confirming the receipt of the documents that were filed with the courts and that this is no longer in collections with XXXX XXXX? I reached out to Monica 's office today and spoke with the receptionist who advised that XXXX  will be contacted and that I should follow-up. This has been the update given before with no change in status of my account. Please assist with reviewing the attached documents for the needed updates to be made. 

I am being denied housing because of the erroneous information being reported by XXXX XXXX. This was not an eviction and the stipulated amount is based on corrections being made due to erroneously being charged by XXXX XXXX and XXXX XXXX. 


Many thanks, XXXX XXXX
Product: Debt collection

ProCollect Inc is the collections agency representing my previous apartment complex, XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, Texas ). I was a resident of XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I gave notice of my intent to move out to the XXXX XXXX, XXXX XXXX, on XX/XX/XXXX. Since my lease agreement had expired on XX/XX/XXXX, and as per the lease contract states XXXX XXXX of the attached agreement, my lease was automatically renewed month-to-month after that. Upon vacating the premises, the apartment complex allegedly mailed a final account statement to my permanent address on file. I did not receive the original bill nor subsequent reminders. I was also not contacted via email or phone, both of which the apartment complex had previously reached me at. It wasnt until I ran my credit report in XXXX of XXXX that I discovered a {$2800.00} amount in collections with ProCollect listed as the collections agency for the original creditor, XXXX XXXX XXXX. My first course of action was to reach out to XXXX XXXX XXXX directly to inquire about the charges. I spoke with a representative who informed me that the apartment complex had recently been sold to a new management company and she did not have access to previous tenant records and final account statements. I then reached out to ProCollect and spoke with an agent who informed me that this was a true and valid debt that they intended to collect the full amount on. Months later when I was in a financial position to settle the debt, my wife called on my behalf to request a final account statement with a detailed list of the charges. When we still had not received the documentation 21 days later, we called once again on XX/XX/XXXX and spoke to XXXX XXXX and request the documentation be sent via USPS. He was rude and borderline aggressive in his tone. His demeanor was cold and he insisted that the documentation had been mailed out just that day. Shortly after this conversation, my wife and I investigated ProCollect online and what we discovered was shocking. There are hundreds of reviews online dedicated to warning consumers about this particular collections agency and the apartment management companies that they work with in addition to the hundreds of thousands of complaints listed on the CFPB website. 

Once we received the final account statement, it was apparent that the apartment complex had violated its own lease contract and added an additional {$2400.00} charge labeled early term fee. I sent a debt settlement offer outlining the above information and a proposed new amount for {$1100.00} to ProCollect via Certified Mail on XX/XX/XXXX. This settlement amount offer included cleaning and maintenance fees that I do not dispute as well as a {$520.00} reletting charge. I did not hear from ProCollect as requested and sent a follow up email on XX/XX/XXXX inquiring about my offer. XXXX XXXX, XXXX XXXX for ProCollect, refused my settlement offer despite the fact that they do not have a legal right to collect the amount stated in their list of charges.
Product: Credit card or prepaid card

I have had repeated problems with my aspire mastercard. first I had problems logging in and submitting payment. they charged my late fees which I was unable to recover. customer service was incredibly slow and difficult. I kept the account open, to prevent adverse effect on my credit report, but I stopped using the card. 

now I have found sudden " account maintenance fees '' of XXXX $ a month added to my account. I never agreed to or was notified of these terms. again customer service was difficult to access and tried to give me the run around. 

after great difficulty I was able to close the account and they agreed to drop the fees after I mentioned filing a complaint with the CFPB.
Product: Debt collection

CBE GROUP account number XXXX is reporting on my credit file this account was a XXXX balance when they reported. I paid the original creditor. I am asking that CBE provides me with the contract I have with them that allows the to again access to my credit report or the letter of assignment from the original creditor or where my account was bought by them. 
2. I want a complete payment history. 
3. and a copy of the notice that this account was in collections and where it was sent and what date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with Experian no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points  given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100  points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with Experian either.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$25000.00}