23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sir, Madam I am writing this letter to complain Well Fargo bank. 
1. When i did a second balance transfer on phone they told me that, i just pay only one time charge for balance transfer either {$5.00} or 3 %, ( No interest charge ), but when i received a bill, there is the interest charged on my bill. I did call the Well Fargo bank, but they did not resolve that happen. 
2. I had never applied for credit defense, but they automaticlly made up the paper, and charged in my account. I was so frustrated and call them, they already credit back to my account, but that was illegal? 
3. I had never applied for Loan, but they automaticlly made up the paper, and charge me XXXX dollars. i was very frustrated, went to the bank asked them to clear it ( because that is fraud ). they did clear for me but that was illegal? 
Hi Sir, madam, i am depressed, sick because of the Well fargo bank. i have a trouble sleeping every day .Could you please help me I am waiting for your response XXXX XXXX my email is XXXXXXXXXXXX
Product: Debt collection

I have attached the collection notice that Oliver Adjustments Co , Inc. sent to me yesterday. It is apparent by the address on the collection notice that all original bills were sent to the incorrect address as XXXX XXXX XXXX is not my address and there is no XXXX XXXX  in our entire county. 

I tried to discuss this issue with the original doctor 's office, but they refused to speak with me and Oliver Adjustment Co , Inc. has threatened to ruin my credit if this incorrect notice is not paid immediately even though all correspondence was sent to an incorrect address.
Product: Debt collection

I spoke to the representative at Republic Finance in early XXXX explained that I was having a rough patch and that I would get the payments in as soon as I could. My track record was perfect with the exception of the last 2 months. I will have enough to pay them back in a month, but they don't care. Then after a barrage of calls, I finally called again on XX/XX/XXXX at XXXX. I told them that it was illegal to call me so many times especially after I had spoken to them. They just hung up. 
Recent Dates they called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called at XXXX - told them it was illegal. They hung up They kept calling at XXXX
Product: Debt collection

to whom it may concern : you have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$2600.00}. XXXX {$2600.00}. 
XXXX. 
Filed a Consolidation with XXXX  XXXX on XX/XX/2019. Information was shared without my Approval to another Company. Information was shared without my Approval.
Product: Debt collection

Mailed a debt validation letter on XX/XX/year> to med and associates Inc at XXXX XXXX XXXX XXXX XXXX OH XXXX I received a letter back from med and associates XX/XX/year> with just a statement and that was it nothing was validated from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The branch manager assured me that they can only refund the fraud amount that was taken from my account for only 90 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of {$970.00}. I sent XXXX certified letters to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in detail that I never opened up a XXXX XXXX XXXX, but they have not taken any actions to remove this from my credit report. 

XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of XXXX. I sent XXXX certified letters to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  to verify I did not open this credit card they have not removed fraudulent charges from my credit report XXXX incorrect Hard Inquires from XXXX and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX. To my dismay the alert was an account had been reported to collections. I have been working diligently on my credit and know I have not been late nor defaulted on anything. After some investigating I was able to find out the acct. is from an XXXX XXXX visit on XX/XX/XXXX. Not only do I not recall being in the XXXX XX/XX/XXXX, but I had medicaid ( back then in Michigan it was called the Adult Benefit Waiver ). I contacted the hospital where the original service was rendered and they do not have me owing any kind of balance. The lady in billing also informed me that it is possible that I was billed directly by the Dr. She then gave me the number of XXXX XXXX XXXX. I then called them and gave a very rude lady my info. She explained to me that yes, the acct was sold by them to XXXX, the collection agency and that was all she could tell me. This bill of {$380.00} is ruining my credit and it is not a valid acct. If services were received on XXXX XXXX, XXXX, than XXXX XXXX XXXX should have been paid by my insurance just like XXXX XXXX XXXX XXXX was. Please Help!
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and designated to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

During the time of my incarceration I experienced credit card and debit card fraud : I was advised by Navy Federal Credit Union that there has been {$13000.00} in debit card fraud and $ XXXX in credit card fraud. 

I did not make any charges nor did I authorize anyone to do so. Due to my location, it was physically impossible to charge or check my accounts since there is no internet access and we were a Covid Red institution so we were on modified lockdown for extended periods. You are not allowed to make toll-free calls either. There was no way for me to have noticed anything was amiss with my accounts. 

In XXXX, I authorized my elderly mother to use funds from my account to move into a home and thats when I was alerted to the fraud. I went to my camp counselor, XXXX XXXX and made a 1-time emergency phone call to Navy Federal Credit Union . I was advised that fraudulent charges had been occurring since XX/XX/XXXX. I was distraught wondering how the charges could have continued if Ive never used my debit account in that manner & wondered why I was never contacted to determine if the charges were mine? The fraud rep advised me that I was contacted 3 times and I confirmed each time that the charges were valid. This is an even bigger red flag because that was physically impossible since I was in the custody of the XXXX XXXX XXXX XXXX and my phone password was not utilized. All of my cards and accounts have Zero Liability policies against fraud like this. I closed all compromised accounts and cards then opened up fraud claims. 

On XX/XX/XXXX when I contacted Navy Federal Credit Union to receive copies of the fraudulent charges so that I may file a police report, I was given the great news that both claims for the debit card charges of {$13000.00} and the credit cards charges of $ XXXX were won. My money was deposited back onto my credit card back in XXXX and they told me that my debit card claim was won on XX/XX/XXXX. 

I had my access reinstated to my accounts today ( XX/XX/XXXX ) and saw that my money is not there. After several attempts at calls to Navy Federal Credit Union ( with several calls with agents coincidentally disconnected even though Im on a home phone ) and multiple different departments looking through my accounts, no one could tell me where my money is. Since the compromised account was closed in XXXX, the money should have been put into the new account but no one can locate it. The fraud rep advised me that there are notes in the system saying the claim was won back on XXXX but no notes saying the money was deposited back. This is absolutely absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.
Product: Credit card or prepaid card

I am receiving unsolicited offers to apply for a 36 % interest rate credit card. Milestone MasterCard. There are two " unsubscribe '' links at the bottom of the email. Both just re-direct you to their website. I XXXX  the card to see if I could find a contact number to get off their email list. The automated message asks you to enter your full nine digit SS #. That's a red flag. They now have my email address and my cell ( that I called from ). I entered a fake number. Finally connected to a live person who, I am not making this up, had a XXXX accent. He insisted that he could not assist me unless I provided my SS #. 

This operation sounds like a phishing scam and needs to be shut down.
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiries on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence?

I HAVE NOT AUTHORIZED THESE INQUIRIES BELOW, PLEASE DELETE THEM! 

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

XX/XX/year> was when I sent off my XXXX round of certified dispute letters. I have {$41000.00} child support showing up on Transunion and XXXX as a loan and I've been disputing it for last 7 months proving its unconstitutional and illegal. It's costing me financial hardship and stress
Product: Mortgage

On XX/XX/XXXX a home equity conversion mortgage payment plan was drawn up and signed with Bank of America. FHA case # XXXX Loan servicing number : XXXX Name of borrowers : XXXX and XXXX XXXX XXXX 
Property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX The payment plan is as follows : monthly payments of {$1000.00} for 13 years expiring XX/XX/XXXX. 
{$29000.00} was set aside in a line of credit Over the years, this reverse mortgage was sold to XXXX XXXX company and XXXXXXXX XXXX. Recently, it came to our attention that the LOC seemed to be decreasing. Several phone calls were made to the XXXX to clarify the amount of money available. Each time we spoke to a representative we received misleading and conflicting information. Therefore, a complaint was filed with NYS Dept. of Financial Services on XXXX XXXX, XXXX Case # XXXX. XXXX XXXX ( XXXX ) recommended we file a complaint. According to XXXX, there was an error in calculating enough funds to make 13 years worth of monthly payments at origination. They accuse Bank of America of this error. Therefore, XXXX has been drawing funds from the LOC to make the monthly payments without our knowledge. We feel we have been misled and misinformed by XXXX. We depended on the LOC to live after we receive our last monthly payment.
Product: Debt collection

This is for a dental bill. That the dentist should have ran through my 2 insurance companies. They did not. So it went to collections. I tried to connect w the dental office to ask them to bill my insurance they still did not. Debt collection agency called me and i reiterated this, and the women told me she didnt care. I asked for a debt verification letter. She refused to send and told me fine, Ill just put this on your credit. And continued to repeat fine Ill just report it to your credit over and over. So I couldnt speak. I hung up on her. 

It is now on my credit report, as she threatened. I havent heard from this debtor again or received any letters to verify the debt, as requested. Abusive and abrasive!!!!
Product: Debt or credit management

Planet home lending is my mortgage company which I ran into situation after the Covid due to my last job having children with XXXX and also not working much due to the Medical situation of my XXXX kids losing the house for that reason its not fair and Ive been trying to work with them as possible, which now I am on the last edge maybe losing the house that Im living with situation on the Medical situation with my kids and my job situation Im not sure what to do from here so thats why I am filing this complaint
Product: Checking or savings account

I had overdraft fees and all types of stuff charged to my account over the time period that I had a Wells Fargo account and it ended up getting closed because of that. I dont have access to the information anymore but this was in XXXX, i cant remember the exact dates or amounts but if someone could get access to my account then they would be able to see this.
Product: Vehicle loan or lease

Cant log into my workout day portion do proceed with the tasks for the orientation I need to complete, but long in provide to me isnt
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I mailed a certified letter to Phoenix Recovery Group on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that this debt belonged to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.
Product: Debt collection

This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Product: Student loan

I sent the following instructions to Navient : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 

2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 

3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 

Thank you for your cooperation. '' Navient did not comply with the standing instructions provided, stating that the instructions must be submitted on a separate piece of paper with each and every payment. This is not consumer-friendly as I use a third party payment processor, XXXX, which does not provide the option to send a separate piece of paper with the check. 

Navient states that they do not have the technology or infrastructure to have the payment instructions automatically apply to every extra payment without further instructions. This is not acceptable for an organization of the size of Navient, which has the resources to make the payment process transparent and straightforward for consumers.
Product: Payday loan, title loan, personal loan, or advance loan

I have contracted a no interest if paid in full loan to pay an XXXX unit from XXXX through Wells Fargo. I have inadvertently missed the paid in full due date by a few weeks and am now being charged XXXX $ Interest for an initial loan of XXXXXXXX XXXX ( contracted XX/XX/XXXX ). When I realized that the interest has been charged ( XX/XX/XXXX ) I called Wells Fargo customer service and offered to payback the loan but the bank did not offer any solution ( there was less than XXXXXXXX XXXX left to pay on the loan at the time of the promotion deadline on XX/XX/XXXX. I would like to complain as it does not make sense that, while I have never missed a payment and with only XXXXXXXX XXXX left on the balance, I now have to pay an additional XXXXXXXX XXXX  on that loan. This is abusive. Also, how is it that the payment schedule agreed at the beginning does not allow me to pay in full before the expiration of the promotion period? This seems to be designed to have customers missed the deadline.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. Resources
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Update of Personal Information Dear Sir/Madam, I have recently moved and changed my phone number. I am writing to request an update to my personal information on my credit report. Please find below my updated details : XXXX XXXX : ** XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX -Phone Number : XXXX XXXX ) XXXX -Phone Number : ( XXXX ) XXXX -Employer : Take It There Trucking -Email Address : XXXX **New Information : ** XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX -Employer : XXXX XXXX XXXX Address : XXXX Attached are copies of documents to verify my identity and the changes requested : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -