23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hi, my name is XXXX XXXX XXXX and I am a small business owner in XXXX. I have been abandoned and deprived by husband of 18 years and he has taken full control over my business. By having an attorney that I have no idea of, which I 've been calling over the last three months. Nevertheless, my husband is evading to met with mr for a divorce, he 's making falsifying and demeaning statements to his attorney ; indicating he left and refuse to pay bills because I 'm greedy and the attorney said I 'm avoiding not paying taxes like a civilize person, but my handsome had me financially striken with unforeseen unpaid business taxes, unpaid unemployment taxes and employee fringes. He 's established XXXX bank accounts in my business name, if which I 've never received a dime and he 's given others access to business financials and over XXXX cell phones in my business name XXXX held by mistress, he 's being charged criminally for submitting payroll without certified funds and I have just acquired another judgment on my home. I just learned he does n't pay taxes of files on time and he doing such with my business and the law states of my ein does n't account with his it 's a violation. However, as an LLC the company should use a personal as. I recently filed police report and fraud charges however while waiting this man has taken over everything including filing bk XXXX under my business. I 've notified both he 's bk who has given me the run around and attesting that my husband is the owners, however my articles clearly indicate differently, itrs confirms however whatever document he has provided to sdat staying I was voted out by board members and indicating that my husband and XXXX of his friends who are also writing checks.. My question is how can any of them be members if none were ever eatable he, my orders as well as all supporontony documents I had my husband lifted a chiief or feild operations, I was always {$100.00} owner and my responsibility was over finances, business decisions and payrolls. I worked on my own carrear and My husband would tell me that he had no contracts but I would assist on preparing bid :, I'veinvested money and time. He 's claiming I 've caused him health issues and he tried his best to proved but that 's far from the truth, he 's been lying, deciteful and would go at anything toMake me lose everything I worked hard for. While running and impregnating a neighbor but that 's not my problem, he 's been paying himself and spending ever dime. He has over XXXX artm cards and talking out {$7.00} and & XXXXAWeek and going to restaurants. Designer stores. Using the fraud accounts he has attend for his own personal greed and there are irs debts and lawsuits posed on the. I went to Wells Fargo and provided them with my articles, XXXX and police report and they tell me it 's domestic because XXXX is claiming ownership. I advises that 's far from accurate because he 's presented fraud by claiming to be the owner and acting in the capacity unauthorized.
Product: Debt collection

After pulling copies of my credit reports from XXXX, XXXX, and XXXX, I discovered a collection account from Security Credit Services listed on each of the reports. I sent a letter to Security Credit Services and requested validation of this debt in XX/XX/2018. The agency responded by sending a lease agreement ( attached ) that contains information similar to mine, but not my information. My name on the documents are spelled incorrectly. My last name is XXXX, the lease has it listed as XXXX. Also, the telephone number and email address listed on the lease do not belong to me. Also, there is no signature or SSN on any of the documents provided. I have not leased any jewelry from XXXX , XXXX as the documents provided by Security Credit Services claims.This lease does not belong to me, and should not be on my credit reports and is causing me considerable financial harm. 
After contacting Security Credit Services by phone and expressing that this account is not mine, and pointing out that the information in the lease does not match my own, I was informed that I would need to provide them with a police report and a notarized affidavit in order for the item to be investigated and removed from my 3 credit reports. I feel that this is unreasonable, and that the debt should be removed immediately as they have failed to provide any proof that it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.
Product: Debt collection

I received a letter dated XX/XX/2018 on XX/XX/2018 and it states credit reporting alert and it states I have a balance with XXXX XXXX XXXX insurance for a bill of XXXX. I have never received a bill nor do I know why I owe a bill I asked the rep by the name of XXXX  and when I requested proof of debt she indicated she wouldn't be able to send it to me because she is the collection agency. I advised her I don't understand how she can collect if she doesnt know why i owe a bill. she then indicated she is not required to do so. I would like this removed from collections and not to affect my credit report.
Product: Mortgage

This is a follow up to the response from Wells Fargo to my complaint XXXX. Unfortunately, their explanation is not based in reality. I did not apply for a VA loan. I did state emphatically to the loan officer, XXXX XXXX XXXX that I wished to look into purchasing a property in Florida that would include rental income ( such as a XXXX XXXX and close on this before selling my NJ home. I told her I anticipated a period of at least several months when I would be holding both properties. The only mention of VA financing on my part was the ability to refinance the Florida property after I permantly relocated. I never filled out any application and most my contact with her was by phone. She did call at least twice saying the underwriters had questions about taxes and rental income. Soon after this she sent me a XXXX XXXX mortgage preapproval. I acted on this in good faith and contracted for a property selling for more than {$50000.00} less than the preapproval amount. The contract was sent to Wells Fargo and from that point XXXX XXXX stopped answering her phone and did not return messages. When she finally responded she told me I could not get a VA loan but could do a conventional one. Then, several days later she told me I had to sell the NJ home first. This was at total odds with what we discussed at the outset as well as throughout the process. As for the denial letter they could put any date they wanted but the fact is I did not get it until after the closing date allowing the seller to claim my deposit of {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX  XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX # XXXX # XXXX # XXXX # XXXX # 15U.S.C 1681 section 602 A.States I have the right privacy 15U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instrctions
Product: Student loan

I recently refinanced my student loan and the funds were sent to my loan servicer to pay off the balance over a week ago. They still have not applied the pay off amount to my account which leaves my previous account open and collecting interest! This is a shady business practice in an attempt to collect more unnecessary interest charges when the balance should have been paid off days ago. I am filing this complaint to make sure they expedite the process of them paying off my loan and attempt to reclaim the unnecessary interest being charged for the last 4 days.
Product: Checking or savings account

Wells Fargo ( bank ) processed a duplicate bill pay payment for our auto loan with XXXX XXXX XXXX without our permission or knowledge. The authorized bill pay payment was processed as scheduled on XX/XX/XXXX. The unauthorized duplicate payment was processed on XX/XX/XXXX resulting in our account being overdrawn - {$260.00}. I called the bank immediately on XX/XX/XXXX at XXXX. I spoke to a representative, XXXX, who said they could not help me that I needed to speak to someone in the Escalations Dept. I spoke to XXXX in the Escalations Dept., he confirmed the duplicate payment was processed but could not explain how or why, he gave me a code XXXX, he too said there was nothing he could do. Said he could not reverse the payment because with bill pays, once it has gone out it can not be reversed. He advised me to call the payee to ask them to return the payment. I expressed to him that our account is overdrawn, how will the bank fix that issue as it was not our error that caused this. He guaranteed me there would be no NSF/overdraft fees assessed. My husband called XXXX XXXX XXXX and explained the situation and they told him they would be able to refund the money once both payments posted. On XX/XX/XXXX I received an email from Wells Fargo that our account is overdrawn and if not corrected could result in overdraft fees. I called back to the bank at XXXX on XX/XX/XXXX and spoke to XXXX who also confirmed the duplicate payment but said there is nothing they can do, I asked for a manager and got sent back to the Escalations Dept. I then spoke to XXXX who reiterated that there was nothing they could do and that they can not guarantee that NSF/overdraft fees would not be assessed. I further complained that this was not our error and we should not be penalized for their mistake, that our account is overdrawn and we do not have the additional funds to make the account whole. All we have had for over a week now is a few dollars left to last until we get paid again, and because of their error we can not afford anything we need. All XXXX said was to contact the payee to get the money refunded back to the account. We received the emails from XXXX that the payments posted, first one, the authorized one, on XX/XX/XXXX and the second one, the unauthorized one, posted XX/XX/XXXX. When we did not see the monies returned by Monday, which was a banking holiday XX/XX/XXXX, my husband called the next day, Tuesday XX/XX/XXXX. This time the person he spoke to at XXXX said their process to return funds can take upwards of 15 days. So we are still overdrawn and it is XX/XX/XXXX. I received an email from Wells Fargo on XX/XX/XXXX to complete a customer service survey, which I completed providing a very specific response. This bank 's practices are completely unethical and down right illegal. No bank should make the judgement call to process any payments without the knowledge and/or consent of the account holder.
Product: Debt collection

XXXX I received a call from XXXX on my cell phone, number XXXX which I ignored, they then called my work number immediately at XXXX. I picked up, they hung up on me immediately. I called them back to find out who they were, the lady was rude, I asked why they called my work line and hung up, she said they didn't they didn't talk to anyone, I said that is because when I answered and said it was a recorded line they disconnected. Calling and hanging up on someone isn't okay. Also, I have no idea who they are except a debt collector as I have received no correspondence of any kind from alliance one.
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. Also my information has been exposed in the data breach. XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX 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 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: Credit card or prepaid card

I sent Synchrony Bank notarized documents, a copy of my XXXX XXXX XXXX  statement, Arizona Drivers License and social security card to verify my identity. Synchrony Bank is making wait 60 days before they release the temporary block off of my XXXX XXXX XXXX Account : XXXX and my XXXX Account : XXXX, and numerous other Synchrony Bank retail accounts. I shouldnt have to wait 30 or 90 days to have a temporary block removed from my accounts, so I can use my accounts. I have verified my identity and acknowledge, I open up all the accounts with Synchrony Bank. Im been discriminated against and been treated unfairly by Synchrony Bank, all because of my race with me being XXXX ( XXXX ). I feel if XXXX XXXX treat its customers this way. No customer/consumer should do business with XXXX XXXX.
Product: Student loan

EdFinancial is not allowing me to sign up for autopay. Ive attempted to sign up 4 separate times over 3 months and Ive never been enrolled : On or around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attachments for confirmation emails ). 

Each time I submit the request to enroll in autopay on their website, the edfinancial.com website says my auto enrollment request has been submitted, and will process in 2-3 days. I also receive email confirmations that my enrollment request has been received, but I receive no follow up emails stating confirmation of enrollment or any errors with processing my enrollment. Ive received payment confirmation emails for the payments Ive had to submit manually waiting for this auto pay enrollment to complete. 
The request made on XX/XX/XXXXXXXX  temporarily showed in my profile on EdFinancial.com along with an estimated application date of XX/XX/XXXX, but now my profile shows no indication that I ever requested enrollment, that enrollment is pending, no alerts or errors regarding autopay enrollment, or that autopay will be applied on XX/XX/XXXX. 

When Ive gone back into my account to check the status of autopay following my enrollment requests, autopay hasn't been setup, there are no alerts or notices in my account regarding the enrollment, my payments arent coming out automatically, and Im not seeing the 0.25 % interest rate reduction advertised by EdFinancial for enrolling in auto pay applied to my loans. 

The screenshots from XXXX  are to show the status of autopay in my profile- I've gone through the Auto Pay Enrollment on each of the dates listed above and it still prompts as a new enrollment request like I've never requested enrollment before when I click on the AutoPay button.
Product: Mortgage

This company - American Financial Resources- is a repeat violater of the " Periodic Statement Rule '' of the " Dodd-Frank Wall Street Reform and Consumer Protection Act ''. " The Consumer Financial Protection Bureau ( CFPB ) implements these rules. Under the periodic statement rule, your mortgage creditor or servicer must provide you with a mortgage statement each billing cycle ( usually monthly ) that meets certain timing and content requirements. In most cases, the statement must be sent within four days after the end of the courtesy period of the previous billing cycle. A " courtesy period '' is the time period between the date the payment is due and the date the late charge kicks in. '' In my case the grace period is the XXXX of each month, after which late payments kick in. So, that makes the latest that AFR is supposed to have my eStatement available online as no later than the XXXX of each month. They have, on four occasions since XXXX XXXX, 2016 failed to provide me with my eStatement by the time period required by law. I have had to email them about this each time and they are always late in getting the eStatement to me. The last eStatement that is available to me is for XXXX XXXX, 2016. At this time they still do not have my XXXX eStatement available for me to download - and today is XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

shows inaccurate info
Product: Credit reporting or other personal consumer reports

This is about a complaint about XXXX XXXX XXXX XXXX. 

My husband and I had to close to our XXXX  firm due to XXXX and as such had to file for bankruptcy on XX/XX/2023. We still wanted to keep our mortgage and continue making payments ; however, due to the stay in our bankruptcy proceedings, we were not allowed to make mortgage payments due to court rules. After the bankruptcy was discharged I entered into an mortgage assistant agreement with XXXX XXXX and immediately started making the requested payments. Even though I was making the required payments they still reported me to the credit agency every month as over 180 days late. I feel they should not have been allowed to report me due to the bankruptcy stay and bankruptcy laws. They reported me to the credit bureaus every month since XXXX, XXXX 

Thanks so much.
Product: Credit reporting or other personal consumer reports

I am writing to report an incident of identity theft. I recently discovered that fraudulent accounts have been opened in my name, including [ AMEX XX/XX/XXXX, American express XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ]. I did not authorize or open these accounts. 

I have placed fraud alerts with XXXX, XXXX, and XXXX. 
Contacted the companies involved to report the fraud and request account closures. 
I am requesting your assistance in documenting this identity theft case and ensuring these accounts are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.
Product: Credit reporting, credit repair services, 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, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance XXXX {$730.00} XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 5.EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, NA XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. 
I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  I was served with papers from XXXX XXXX   XXXX, XXXX on the 2nd page of the summons it states prayer amount ... What is a prayer amount? then it shows a statement from XX/XX/XXXX-XX/XX/XXXX then another one from now-XX/XX/XXXX where are all my statements in between those months? they keep sending me letters to which I respond to and they state I have not. In XX/XX/XXXX I paid all my debts off with trust money due to death of a parent. why is it now portfolio recovery is coming at me 3 years later?