23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was recently contacted by Wells Fargo Bank with regards to an unpaid balance on a line of credit. The account had been closed for years. The last record I have of it was a series of 6 balloon payments in XXXX to satisfy the amount due before closing. Regular auto-payments were also established in XXXX. 

The premise of the conversation was that I owed roughly $ XXXX, but they would accept $ XXXX for a very limited time. Without access to the account, statements or records to justify their claim, I had to make a choice : 1 ) Make it go away for $ XXXX 2 ) Let them send me to collections I chose option # 1, not because I believed their claim, but because I believed they would send me to collections without any financial justification. 

Financial data security should be paramount, especially if you are a top 4 banking institution. The Wells Fargo rep, who was most likely decentralized and working from home, asked for payment. I was not given the option of a secure method of payment. No Wells Fargo payment portal with a verified amount due. So now my options were : 1 ) Give my payment details over the phone 2 ) Let them send me to collections I suggested a 3rd option, that I would pay at the branch. They reluctantly agreed. I went to my local branch the following week but they had no record of any such payoff amount, only that $ XXXX was due. I called Wells Fargo and they now said that the account had been charged off, sent to collections, and that $ XXXX was now due. How did that just happen? 

The whole process felt like a scam. Wells Fargo has given me nothing to justify any amount due and I was not in reality given the option for secure payment. Whatever offer it was, it expired a week earlier when they hung up the phone. 

I dont know how this is going to turn out for me, but I do know that no financial institution should be allowed to operate with such loose security standards. Their security should be audited and no one should be forced into a situation like this. 

Wells Fargo recorded our conversations. Everything said here can be verified.
Product: Credit reporting or other personal consumer reports

Greetings Agent, This COMMUNICATIONS is with Reference to the Alleged Contractual relationship, I have a right to an authenticated RECORD OF THE ACCOUNTING. I am not Paying anything, that I was not GIVEN the proper documentation for this DEBT. 
You REPORTED TO THE CREDIT AGENCY, THAT YOU HAVE WRITTEN ON THIS DEBT. BUT NEVER SENT ANYTHING TO PROVE YOU LOSS THE INCOME. You have a DUTY and or OBLIGATION to respond with appropriate information within the time frame allotted and or permitted by XXXX. Because this is associated with my rights applies respectively, The Fair Credit Reporting Act, The Fair DEBT Collection Act, The Truth In Lending Act, Penalties and Assessments and or Failure to Act or Failure to COMPLY with the STATUTORY Requirements, Please Be Advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.
Product: Debt collection

I have asked them to stop calling because I am working with my attorney to file bankruptcy due to me being ill and almost XXXX and now being behind on all my debts. I told them I am not working and living with family. I asked on 3 different occasions to stop calling and the told me no and said they can call and harass me as much as they want because I owe them money because its their rights. Not only that but they are harassing my family members that are even asking them to stop but they will not.
Product: Checking or savings account

I opened BBVA money market account on XX/XX/XXXX from BBVA website, the opening advertisement says : With an account balance of $ XXXX, earn 2.50 % APY plus {$100.00} bonus opportunity. The requirement is : to open by XX/XX/XXXX and maintain balance of $ XXXX between XX/XX/XXXX and XX/XX/XXXX. 

I have finished the requirement since XX/XX/XXXX. But I still haven't received the bonus yet. Try to contact BBVA several times, with no results. All the representatives tried to find excuses to postpone the bonus as promised. 

I attached offer terms of the {$100.00} bonus when I opened the account, as well as my account balance history showing I have met the requirement.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my XXXX XXXX XXXX XXXX account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require XXXX attention XXXX Experian and XXXX : My payments on this account are accurately reported as being made on time. 
XXXX and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by XXXX are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/XXXX {$860.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX , XXXX. 
Reported : XX/XX/XXXX {$240.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$490.00} XXXX Reported : XX/XX/XXXX {$70.00} XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i received notification from equifax of security breach that took place in XXXX i filled out the form explaining i have been denied credit and inaccurate fraudulent activity on my report that lead to stressful and XXXX XXXX XXXX XXXX  due to situation with my credit and filing frequently fraudulent activities on my report i had to send inn disputes to fix my credit from XXXX thru XXXX case after case number and equifax refuse to fix the issue I was sent settlement form that i filed out to disburse XXXX XXXX the appeal dispute is settle i received notification of XXXX which was not the agreement of the due to the breach
Product: Checking or savings account

My account from XXXX XXXX/chime account was closed on or about XXXXXXXX XXXX  When I contacted customer service over 10 times about reimbursement they were evasive and on recorded line lied multiple times about issuing check and different documents needed to issue reimbursement ultimately they said they would not be returning my money/reimbursement of close account of about {$650.00} when asked why they said they could not provide any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter to Equifax Credit information Services to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO REMOVE 4 HARD INQUIRIES, XXXX XXXX DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX  XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXXXXXX This is my only number XXXX All other telephone numbers are not accurate.
Product: Credit card or prepaid card

My direct deposit has been held by chime bank. They have record of the deposit from the IRS and say they can't release my funds due to their system being down recently and the deposit going past the expiry time. I've sent them confirmation of the deposit being sent to them and another document showing my entire tax return. They still said they basically can't help me until it's figured out by their team. My bills are now late, my truck payment is due in 5 days and i have XXXX dollars sitting in limbo somewhere.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of fraudulent information from my credit report. I have been a victim of identity theft, and unauthorized account has been made in my name. This is a serious violation, and I insist that you take swift action to rectify this situation. This account was opened without my knowledge or consent, and they are damaging my creditworthiness. I have attached copies of my police report, FTC Identity Theft Report, and any other relevant documentation that support my claim. 

This entry on my credit report are fraudulent and must be removed immediately : XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

Starting onXX/XX/XXXX and every day after for multiple times a day I've tried calling, emailing, and faxing novad for a pay off request and have yet been successful receiving it. I'm being told there is noone I can speak to and they keep putting in the request and can not do anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS MISTAKENLY REPORTING A DISCREPANCY ON MY CREDIT AND HAVE ACTUALLY CAUSED MORE DAMAGES TO AFTER I HAD TRIED TO FIX THE ISSUE THE FIRST TIME. I FIRST SENT A DISPUTE TO XXXX XXXX ON XX/XX/2022 TO RECTIFY AN INCORRECT BALANCE THEY WERE REPORTING. I SENT A DISPUTE LETTER AND PROVIDED PROOF OF MY SETTLEMENT PAYMENT. AFTER XXXX XXXX INVESTIGATED, THEY FAILED TO FIX THE ISSUE. IN FACT, XXXX XXXX ACTUALLY STARTED TO REPORT A DUPLICATE TRADELINE. ONE TRADELINE IS REPORTING TO 2 BUREAUS WITH A ZERO BALANCE WHILE THE DUPLICATE TRADELINE IS REPORTING TO XXXX DIFFERENT BUREAUS WITH A BALANCE. THIS IS CAUSING MORE DAMAGES TO MY FINANCES, CREDIT AND CAUSING ME MISSED OPPORTUNITIES. I KINDLY ASK THAT XXXX XXXX  BE DELETED FROM MY CREDIT COMPLETELY OR HAVE THE ISSUES RECTIFIED ASAP.
Product: Checking or savings account

I'm XXXX with macular degeneration. Every week, my daughter helps me pay bills, deposit checks, and manage my money under my direction. On XX/XX/2024, I wanted to improve my account interest rate by purchasing a XXXX of XXXX ( XXXX ) with my XXXX XXXX help. However, after initiating a {$300000.00} transfer, Wells Fargo froze my accounts. They demanded we go into the bank, which we did, before unfreezing the accounts. They said my daughter needed to get a power of attorney to help me access my accounts online, which I refused, as I am of sound mind and don't want to relinquish full control over my finances. Now, they've blocked my online access due to vision impairment, citing my difficulty logging in. This hinders bill payments and account monitoring. I need online access to manage all of my finances effectively, especially for renewing CDs and handling large bills like hospital expenses. While Wells Fargo has suggested that I conduct all transactions in person, this is not a practical solution given my circumstances. Denying online access is discriminatory and unjust. I request restoration of online access and accommodation of my needs. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off in the beginning of COVID 19. I contacted XXXX XXXX around XXXX and agreed to file natural or declared disaster. I was told to return the vehicle and they would close the account and wave the amount still due. Since then, they have not only took my state taxes on a closed account but also posted on my credit that it was a voluntary repo XXXX, and a voluntary surrender XXXX that's not what I agreed to. The balance is wrong. This account was closed XXXX in court. Case # is XXXX. XXXX XXXX has also pulled hard inquiries on my credit without my permission on thse dates XXXX XXXX XXXX, XXXX XXXX, XXXX. This account should've been removed on XX/XX/XXXX per court order. They should not have any access to my report.
Product: Mortgage

Here is the email I sent to Freedom Mortgage : I am a service XXXX XXXX veteran on a fixed income through the VA. I desperately need your help sir. 

My name is XXXX XXXX, a " customer '' of Freedom Mortgage. You service my VA loan on my home. In the last 30 days I have been under immense stress from your company. Specifically the Escrow and Tax departments. 

Back story : In XXXX, Freedom mortgage increased my mortgage payment incorrectly due to an error in your escrow department. My normal payment which I have paid on autopay for most of the year is {$3400.00} however in XXXX I received a letter stating my taxes have doubled and my new payment is {$3800.00}. 

I contacted FM, they said not to worry we are working on it in XXXX when I received the bill. I called immediately. However in XXXX I received another mailer with an escrow refund check and the XXXX mortgage statement showing the increased payment. So I called back in. 

Several hours and many dropped calls ( felt like they hung up ) I finally got to the escrow department and they identified the issue. Out of the blue and for no reason anyone at FM could explain, my taxes are being charged twice. I contacted my local County Auditor and they assured me my tax bill has not changed... 

On the last call in early XXXX I was told they are doing an Escrow Inquiry that will take 7-10 Business days. I was instructed on a recorded line to cancel my autopay for XXXX and send in a check for the correct amount of {$3400.00}. Which I did. Your company received that check on XX/XX/. However FM refuses to accept the check and apply to my account. It's currently being held in a suspended state. 

Today I've been contacted by your Debt Collection department for payment of the increased incorrect payment. They've added fees and penalties and threatening adverse credit reporting. Now I've spoken with no less than a dozen of your employees bounced around from Tax, Escrow, Debt Collection, Customer Escalation, etc. 


UPDATED as of XX/XX/ : Freedom Mortgage has not applied my payment from XXXX which they received on XX/XX/. They are now reporting my account as in default, late and that I owe XXXX and XXXX plus penalties, late fees. 

I have called this company nearly XXXX times any there has not been an answer on the phone at all. Estimated wait time is XXXX minutes, but after sitting on hold for over an over on multiple attempts, i have no been able to reach anyone.
Product: Credit card

Upon receipt of a Bank of America email ( a copy uploaded ) advising that a bill was due on XX/XX/2023 in the amount of {$940.00}, I immediately contacted Bank of America disputing the charges since 1 ) I do not live near the area where the charges were made and have never been to either establishment ; 2 ) the card has not been used for several years, which Bank of America confirmed and 3 ) the card has not left my possession and are kept in a file box in a desk drawer in my home office. 
As a result of that conversation, the card with the fraud was blocked and new cards were issued. 
Following is a copy of an email received confirming my dispute and providing a claim number : Bank of America Activity Alert You Have a New Message about Your Claim XXXX XXXX, We're letting you know that you have a new message about your claim in your Online Banking mailbox. 
Please go to the Message Center in Online Banking to read your message. 
Here are the details of your claim : Claim date : XX/XX/2023 Claim number : XXXX If you haven't done so already, you can go paperless now. It's a safe and secure way to help stay organized. 
We're here to help. If you have questions, contact us online or call the number on the back of your credit or debit card. 

XX/XX/2023 date of letter from Bank of America temporarily crediting my account for {$940.00} while the claim was being disputed. ( copy of letter uploaded ). 

XX/XX/2023 emailed received ( copy uploaded ) advising a payment of {$420.00} was due with a statement that is was being disputed as fraud. 

XX/XX/2023 I received a letter that the claim was rejected since no error was found. ( letter uploaded ). I called Bank of America again on XX/XX/2023, the case was reopened. I again stated the reasons ( aforementioned # 1-3 ) and requested a copy of the card and signature of the purchaser. Neither have been received to date. 
Bank of America advised that I continue to pay the minimum due or my credit score ( in the XXXX XXXX ) would be adversely affected. I also asked that Bank of America check my payment credit and payment history on all my accounts. 

At this time, I am being held liable for {$430.00} which I did not charge and have not used the credit card in question for several years.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that i did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX report to all XXXX credit bureau incorrect account information which cause my credit score to decreased by XXXX points. XXXX XXXXXXXX confirmed by phone on XX/XX/year> that they reported my account information to all XXXX credit bureau on XX/XX/year> which that is my due date on my account and the closing date on my account is every XXXX of the following month. Usually XXXX XXXX does the reporting to all credit bureau after XXXX and this time around they did not. They confirm that this was a mistake in there end and were requesting that I send them a letter by mail explaining a mistake that they did on my account. Which I inform XXXX XXXX that this mistake was done on there end and I should not have to send a letter explaining the mistake they did. They refused to have this mistake corrected on my account and stated a letter needs to be received by mail in order for them to review a mistake that was confirmed my phone that occur on there end.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, a XXXX transfer request was sent to an inactive account at TD Bank in the amount of {$1000.00}. The account with TD Bacnk has been inactive since XX/XX/2019 but yet the bank accepted the funds. This account was closed out and restricted in XX/XX/2019 due to fraudulent activity. On the same day, I contacted TD Bank and they informed me that since the account was restricted, it can only accept funds but not transfer it out. I don't understand how can a Financial Institution allow for such transfer of monies to occur on a closed/restricted account. 

I am requesting reimbursement of the monies mentioned above. 

Should you need additional information please feel free to contact me at XXXX.