23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was totaled on XX/XX/XXXX, and I received a letter from the bank ( XX/XX/XXXX ) giving me 60 days to pay off the balance between what was owed and the insurance settlement ( no gap ins ). 
I called the to explain I was waiting on the warranty refund, and was told it would be sent directly to them. The bank said I needed to continue to make payments, and they would " work with me ''. I received statements for XX/XX/XXXX, XX/XX/XXXX, and payments were made accordingly. When I received the warranty refund it was sent immediately, and the bank received XX/XX/XXXX. 

I did not receive a XX/XX/XXXX statement, so I called the bank again to check the balance, and it was XXXX. I sent in the payment, and the bank received XX/XX/XXXX. 

I exceeded the date of the letter by 2 weeks, and the charge off was issued XX/XX/XXXX. 

My disputes filed with the reporting agencies yielded no change in the adverse credit entry on my report. I have also written the bank directly - no change
Product: Debt or credit management

I have no knowledge of this company I did not give permission for any company to sell an account that i have NO Knowledge of, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, in fact therefore exists.
Product: Checking or savings account

XX/XX/22 someone went into a branch a took XXXX from my account ( as they recall ) It wasnt me and I dont know how this could have happened But Wells Fargo denied my claim cause of everything that the person committing the fraud did right by using my card and id to say the signatures match which is impossible if I never went into a branch I feel this is fraud on the banks behalf for holding me accountable for this fraudulent transaction If theres anyone who understands my problem Im asking for help please This is my hard earned money Please
Product: Credit reporting, credit repair services, or other personal consumer reports

I order a copy of all XXXX credit reports and I notice that bankruptcy was on all XXXX reports XXXX, XXXX and XXXX I disputed this bankruptcy and i ask all XXXX credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper. They also stated they got information from lexus nexis which I sent them a dispute in the mail and they refuse it and refuse to work on my dispute.
Product: Credit card or prepaid card

In XX/XX/XXXX I informed Wells Fargo that I was hospitalized at XXXX  XXXX in XXXX. 2 days later Hurricane Harvey hit. I made partial payments as promised. They closed my account XX/XX/XXXX and even attempted to collect from my savings account causing that account to be closed. Now Ive been hit by Hurricane Nate at my own residence. I have tried to discuss this but to no avail, I keep getting transferred and spoke to 3 different people who could not help me on my last phone call. A similar thing happened to me with Wells Fargo on my business account. I was a victim of fraud-it took the bank longer than 30 days to investigate and they closed my account, although it was shown that I was indeed a victim of fraud. Not to mention, my account has been compromised so many times and I am the victim. Wells Fargo has been my bank since aroundXX/XX/XXXXand loyalty to customers obviously mean nothing to them. I have been harmed by their actions and was just notified tonight via email and online message that my accounts were closed. This is unfair and unscrupulous. I am a military spouse as well and this should never happen to a customer. Then they refuse still to work with me while Im experience such traumatic losses.
Product: Checking or savings account

I mistakenly overpaid my landscaper thru his payment system. After hitting send I realized the amount was too high, {$1200.00}. I immediately called Chase Bank to reverse the payment. Chase can take my money out of my account within less than a second, but 9 days later I still do not have my money back. This is ridiculous and just not fair, it is my money. The landscaper was well aware I made this mistake and he agreed for them to reverse the charge. I told Chase this when I called. Needless to say, I called again over the weekend and they said they needed more information. I was never called or emailed or messaged that there was more " information '' needed. I stately very clearly what happened. They even had the nerve to ask me what date this occurred on, when they had my account up on their screen. I called again on Tuesday one full week later and they again stated they needed more info, which was just the original info they had. I was told the money would be back today, 9 days later, and it is still not back as yet. I received a secure message today stating it was under review and I would receive a letter. This is just wrong, I do not need a letter, I need my money. I will be taking my money and my children 's money out of Chase Bank and will be banking elsewhere, after being a loyal customer for 30 years.
Product: Mortgage

I have had a very difficult time with Bank of America. I have been trying to get a loan modification for the past year. Bank of America is refusing to let me be reviewed for a modification based something that happened 11 years ago. When I got this loan I went through Countrywide. At the time I did not know how fraudulent they were. Bank of America is stating that because of something that happened on the origination on this loan, I can not have a loan modification. I dont even know what it is, and Bank of America will not tell me.

Countrywide was a very criminal and fraudulent company. In my opinion, they were a major cause of the mortgage crisis. My loan officer lied to me and mislead me on several occasions. By the time I realized this I lost a couple of homes to foreclosure. They were a very very bad company.

I am now being held responsible by Bank of America for the criminal activity of Countrywide, and I believe this is unfair!

I am not a loan officer, I am not sure what he did!
Product: Credit reporting, credit repair services, or other personal consumer reports

There a several accounts being reported to TransUnion that I addressed and identified as fraud. I submitted a FTC report and other supporting documents and ask if the accounts can be deleted and blocked. I was informed the information was verified, however no explanation was provided on how the accounts were verified and who did the verification. I ask to speak with a supervisor several times and advise no supervisor is available but when I ask every employee seems to be a supervisor
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recommends credit cards that have exorbitant fees and interest rates, under the guise of " improving credit scores '' by " increasing the amount of available credit. '' This gimmick is then marketed to desperate consumers who then find themselves trapped with a card with low credit limits and fees of at least {$100.00} annually, service charges, 29 % + in interest. One such company XXXX XXXX XXXX offers such a card with high fees, and upon a consumer 's request for an increase- they are reminded of the 20 % fee per {$100.00} in additional credit before routinely denying requests. Although consumers make timely payments, they will never maintain the 70/30 recommended credit use ratio- because the fees and interest usually account for 30percent usage alone.

Experian needs to stop recommending rip-off credit cards, and XXXX XXXX XXXX no longer needs to provide such a deceptive credit product. Consumers credit scores will moreover never increase, and will spend large amounts in fees, interest, and random charges by compaines they trusted because EXPERIAN recommended them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/XXXX, I contacted XXXX about transferring internet service to a new address due to an upcoming move. I was told they did not offer services at the new address. I told them the service needed to be disconnected on XX/XX/XXXX and I was told to return the equipment to the local office in which I did. I received statements in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I called XXXX again and told the representative that I had moved and the service needed to be disconnected. Instead it was sent to a collection agency. I do not recall the first collection agency but was told the {$240.00} was for the equipment in which I returned to the drop box. XXXX were not allowing customers inside the building due to the pandemic. There were no other customers there at the time and I witnessed a worker taking the equipment out of the dropbox. The agency told me they would contact XXXX  to let them know. I started receiving letters from Eastern Account Systems and contacted them who states the XXXX is a past due balance. I informed them that I moved XX/XX/XXXX and paid the last bill the month I moved. This balance was reported to all 3 credit reporting agencies. XXXX removed when I disputed. However, I have disputed 3 times with XXXX and it has not been removed. I have not heard back from XXXX as of yet. I spoke with Eastern Account Systems XX/XX/XXXX and they are refusing to acknowledge that I do not owe the bill. I spoke with a XXXX representative on XX/XX/XXXX and was told they continued to bill me throughout XX/XX/XXXX and they disconnected due to nonpayment. I told the representative that I told them XXXX and XX/XX/XXXX that I was moving & had moved and they still did not disconnect as requested. The representative told me it is not documented that I asked for disconnection so therefore the debt is valid. XXXX submitted bills to my new address on the XXXX and XX/XX/XXXX attached statements. Not only did I tell them to disconnect but they also had my new address so knew I had moved. I need for XXXX  to acknowledge the error on their part and remove this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting that i have {$5400.00} of new debt on my credit report. I was notified that starting in XXXX that as a presidential ORDER that I was not going to have to make FEDERAL student loan payments. NAVIENT is fraudulently reporting that I am not making payments and my LOAN is not being marked as paid. PER Their letter no interest should accrue so why do I have a new additional balance of {$5400.00} on my credit report since XXXX? This is absolute FRAUD!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a written notice known as a debt validation letter within five days of XXXX XXXX initial attempt to contact me. XXXX XXXX is in violation of my consumer rights, infringing upon my right to privacy. XXXX XXXX purchased my information without my consent. XXXX XXXX shared my information to CFPB and all 3 credit bureaus. This account is a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges, which also means the original creditor filed this account on there taxes and received money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified of any results from the credit bureaus. On XX/XX/2022 I sent in letters requesting verification on some incorrect items that's reporting to my credit. These negative items are holding me back from opportunities I can have to improve my financial situation. I'm already on a social security-based income. Please help me solve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loans has tarnished my fico score from their own doing! 
So, with being told in XXXX that there is no need to make this payment and that if there was, they would just withhold the amount out of payment out of the cash we were pulling out. And " this is what they do ''. In the same manner as they treated us the entire relationship, we were lied to and misled many times. The loan fell through after XXXX long weeks into late XXXX. One hundred percent, Quicken loans misdoing. So, XX/XX/XXXX give or take was the date of this conversation. Fiance heard the whole thing as it was on blue tooth speakers. They, unbelievably, told me 3 days before 30 days late that the loan fell through due to their incompetence to see early on they couldn't accept a commission based income. It took the bank three days to undo the stop on the payment thus this ridiculous stab on my fico score. Ive called many times, same runaround. Emailed XXXX XXXX CEO. Nowhere. Two " executive mangers " ( can name them ) just cryed with me with no resolution in mind. 
So, with such a low fico score from the coals I was drug through with this experience, Im finding it hard to be approved elsewhere. Thus, making my apr to be higher with non-prime loans. It is in my immediate future goals to get away from Quicken. They made this impossible. They make you feel like you need to prove to them this conversation existed, instead of them proving it wasn't. 
Just unbelievable what happened here. 
Much more happened with this company that would turn your stomach. 
Too much to wright but have ALL the emails. 
# help
Product: Credit card or prepaid card

I have a Merrill Lynch credit card through Bank of America. 
Benefit for the card is if {$50000.00} is used the year before than a {$200.00} travel voucher is applied to the card for expenses like luggage or drinks or food... 
I have XXXX of the exact same cards, however, XXXX is working automatically but the other card is not crediting me the charges. I have tried to contact the phone # XXXX that is given XXXX and XXXX but both teams have no clue. I can not reach anyone with authority who knows how to fix the problem. I have called and wasted at least 12 hours but there is no record on their part for any of my conversations in the past. I have phone records with the telephone numbers and how long I had to wait for service which went nowhere. 

There are XXXX charges from XXXX for baggage {$30.00} each XXXX. Not only do I want the charges to be credited but that the account is set up so they automatically do this. 
I have wasted so much time with something so simple.
Product: Mortgage

I lost my job due to an accident on XX/XX/2016 and i was unable to return to work until XX/XX/2016. I am back at work and i need some assistance getting back on track ... i make less money but i can still afford my mortgage ... please help me keep my 1 and only home
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Re : **Dispute and Demand for Debt Validation Account No. : XXXX To Whom It May Concern, I am writing to formally dispute and demand immediate validation of the alleged debt referenced above. I contend that the information reported is inaccurate, unverifiable, and potentially the result of identity theft. As a victim of identity theft, I am particularly disturbed that your agency is attempting to collect on an account that may have been fraudulently established without my authorization. I have included my original XXXX police report showing I was a prior victim of identity theft in XXXX. As a result of this incident, and due to other incidents ( XXXX  XXXX, XXXX XXXX  ) My information HAS been COMPROMISED. 

**Account Details for Your Reference : ** - **Account Name : ** XXXX XXXX - **Account Number : ** XXXX - **Original Creditor : ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Date Opened : ** XX/XX/XXXX - **Current Balance : ** {$13000.00} ( updated XX/XX/XXXX ) - **Responsibility : ** Individual account Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( a ), I demand that you provide the following documentation immediately : 1. **Chain of Assignment and Title : ** Complete records establishing the entire chain of assignment from the original creditor, including all previous owners, and definitive evidence of your legal standing to collect on this alleged debt.

2. **Payment and Delinquency History : ** - Documentation of the date and amount of the last payment made on this account. 
- The exact date on which the account first became delinquent with the original creditor. 

3. **Verification of Debt Amount : ** Detailed statements that verify the current balance of {$13000.00}, including any charges, fees, or interest applied. 

Additionally, given my status as an identity theft victim, I demand an explanation as to why your agency continues to pursue collection of this alleged debt without first verifying its authenticity and confirming its connection to my personal information. 

Be advised that under the FDCPA, you are required to cease all collection activities until you have furnished the above documentation. Should you fail to provide the requested validation within XXXX days** of your receipt of this letter, you must immediately cease all collection efforts and remove any negative credit reporting associated with this account. 

This letter constitutes a formal dispute of the alleged debt. I do not acknowledge any liability and reserve all rights under federal law. Should you persist in any collection activity without providing the required validation, I will take appropriate legal action, including reporting your practices to the Federal Trade Commission, the Consumer Financial Protection Bureau, and other relevant regulatory agencies. 

All future communications regarding this matter must be in writing and sent to the address provided above. 

I expect your full and prompt response within **30 days** from the date you receive this letter. 

Sincerely, XXXX XXXX
Product: Mortgage

I Had purchased my house and have a mortgage with XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. XXXX sold the loan to XXXX XXXX, XXXX ( Lakeview loan Servicing , LLC on XX/XX/year>. 
I did refinance my loan with another lender on XX/XX/year> and on XX/XX/year> my new lender paid XXXX XXXX mortgage fully and I were supposed to recive my XXXX balance in the amount of {$5600.00} after 15 days. 
I called XXXX XXXX  after 20 days and ask about my escrew and they said that they will issue the check to me and mail it and i should get it in the next 5-7 days. 
It has been 83 days and I di n't recive my escrew amount from my previouse mortage servicing XXXX XXXX XXXX

They Lie to me and what they do is a deceptive behavior and unhonest practice of holding consumer 's money and use it for their own benifits without my consent or any legit reason. I were supposed to get my escrew account after 15 days when they received a full mortgage payment from my new ll ; ender! what they did until this moment is not an acceptalble behavior from a mortgage compay and someone must be held accountanble for wasting my time and holding my money! 
logged in to my online portal and it said that they issued the payment to me on XX/XX/year> BUT this is NOT TRUE! 
I need to know why this compay did that, and to be punished by the law to the fulliest and they help accountanble for theior reckless behavior with consumers!
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed... 
XXXX XXXX XXXX  XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX XXXX a fraudulent account and should be removed XXXXXXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX
Product: Mortgage

Roundpoint Mortgage Servicing Company says I owe them {$3700.00} which represents an escrow shortage. They assumed my mortagage in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have received XXXX prior Annual Escrow Account Disclosure Statements from Roundpoint ( XX/XX/XXXX and XX/XX/XXXX ) indicating I had a surplus. This is Roundpoints accounting and due diligence errors and I should not have to suffer financially because of it.
Product: Money transfer, virtual currency, or money service

the last year PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
after 180 days i want take my money out but I still cant get access my money. 
please I need my money be release is pass 180 days. 

My email is XXXX XXXX