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

I request the CFPB launch an investigation into Wells Fargo handling of their remediation program, specifically payments covering damages caused by unauthorized accounts, as well as their handling of missing payments. I've been filing numerous complaints regarding two missing payments from their remediation program, which are inadequate, do not cover damages sustained, as well as their reporting of payment ( s ) to IRS, for several months now ... Wells Fargo reps reply by verifying address sent to which I moved from prior, in which case I was not living at time of issue and nothing received. They also reply by showing checks cashed in which case, not by myself as again, I was not living at address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, at the time.. I moved in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The documents/payments were sent after in XXXX of XXXX The payment amounts, XXXX as well as XXXX, do not cover damages to credit and loss of interest on deposits which could have been made, if I were able to open accounts had information not reported to consumer reporting agencies. Wells Fargo rep ( s ) supposedly removed information from XXXX XXXX XXXX, however, did not offer adequate payment amount for sustained damages. They replied in re by referring to letter agreeing to XXXX payment amount which was not signed by myself, it was sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved in XX/XX/2020. It appears payment amounts of {$3700.00} and {$500.00} were also intercepted, signed by person ( s ) now residing at address, which I have detailed in prior complaints ... .Wells Fargo reps reply again by verifying address sent to which I moved from prior, show checks cashed in which case not myself. It appears the extent to Wells Fargo replies solely includes verifying address sent to and checks cashed, will not offer adequate settlement amount which includes missing payments.. Further, they have not corrected IRS reporting of payment ( s ), it appears amount of {$3700.00} was reported to IRS in 2020, I received a form 1099 showing amount plus estimated IRS taxes for tax year : 2020.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction.- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX  dba XXXX XXXX  on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of { {$1000.00} } each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My paid subscription directly with XXXX is showing a 53 point higher credit score ( Fico Score ) than when my lender pulls it ( USAA ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.
Product: Debt collection

On XX/XX/XXXX I was taken to court without any notifications of there being a court docket against me. In the 5 years since there has been no communication from them. This is a medical debt that took place in XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 10.8k financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2021 Bank of America began deducting a fee of {$3.00} per month from my checking account for providing copies of checks written on this account. Neither I nor my wife ever requested or approved this service. I went to my bank and requested that this charge be discontinued and was told they could do nothing. I was told that I had to call the Bank of America service line to handle the problem. I began calling Bank of America on a regular basis and asked that the service be discontinued. I requested that I be given a refund equal to the service charges that I had incurred. Each service person to whom I spoke assured me that the deduction would be discontinued even though it might take up to 60 days. The {$3.00} deduction is still happening to this day. I need your assistance with this unlawful service charge.
Product: Mortgage

My mortgage is with Carrington Mortgage Services. My principal balance is now under 80 % of the original mortgage amount ( I believe this happened in XX/XX/2018 ) but CMS continue to take the PMI from my account,. I understand the Federal Homeowners Protection Act requires the lender to cancel PMI automatically when the mortgage balance has reduced to 78 % of the home 's purchase price. 
I contacted CMS and they say they will only cancel the PMI when requested by the mortgage holder ( because some people prefer to keep it ). The only way to cancel is by mail or fax. I sent a letter in XX/XX/XXXX which they have conveniently not received. 
I plan to send another letter by registered mail, asking for cancellation of my PMI and a refund dating back to XX/XX/2018.
Product: Vehicle loan or lease

I called BMW on several different occasions and notified them that they reported a payment late that wasn't late. BMW was only willing to send me a transaction statement that their own customer service agents cant even understand without putting me on hold several times. BMW reported early XXXX that my XX/XX/XXXX payment was 30 days late, however my payment was made on XX/XX/XXXX. BMW reported a 30 day late payment before the payment was even late enough for them to charge a late payment fee and the payment was reported late 30 days before 30 days had passed. I spoke with BMW 4 times and they agree that the payment should not have been marked late for XXXX but refuse to provide me with easy to read evidence stating just that. BMW also refuses to update the credit bureaus even though i provided them proof of the error. The error was reported to all 3 credit bureaus. BMW flat out refused to assist with correcting their error. I asked BMW for a letter to provide the credit Bureaus that specifically stated my XX/XX/2019 payment was not 30 days late and BMW representatives and a manager told me that's not something they can provide even though their system shows it wasn't late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Credit card with BANCO opened with my personal information after my address was changed through the USPS without my authorization and a plane ticket for {$170.00} purchased in my name and a trip made from Florida to Puerto Rico in XX/XX/XXXX. I called BANCO and reported to their fraud dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a retired XXXX year old American living in the XXXX for the past 8 years, I am a home owner here and have not visited the United States in 8 years. I am also a recipient of Social Security retirement, VA XXXX and a small annuity from the United States Government. The problem I have is all three credit bureaus tell me they can't send a credit report or credit score outside the United States. I have been a member of the Navy Federal Credit Union for the past 2 or 3 years and everytime I apply for a credit card or a small loan they say I have a lot of negative information on my credit report. I have no idea how to go about fixing this or even knowing what is on it. They say I have opened no revolving accounts in the past 12 months is also a reason for denying me, well here again, I live in the XXXX with my wife and kids so I don't have to need to open an account in the US, I don't live there. Also, they advertise a free annual credit report every year but said they can't send it to me or allow me to see it online. So what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this account.
Product: Debt collection

XXXX   XXXX  , 2017 I summited a complaint through   XXXX   XXXX   and   XXXX   XXXX  . Amount is {$310.00}. The amount owed is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called BoA and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by Bank of America or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from BoA removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been targeted through my credit score and credit repair history for the past two weeks. I have seen major decline of my personal credit score with XXXX, XXXX and Transition consumer credit Bureaus. I were not notified of any technical issues all three major bureau 's were facing at the time. I know I haven't fell short of responsibility to pay my dues. There fore I believe that this is an action against my credit history to further paralyze of my financial abilities. 

I need your sincerest attention to obtain a nationwide resolution for the major credit problem concerning individual credit history of that for mine and rest of the American s. 

We don't accept this playing around with our credit history where we are set as an example inferior to others. Where most can afford their livings and we the minority and the poor are facing it though.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XX/XX/year> -- {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card services shows up on credit report as a hard inquiry on XX/XX/XXXX. I did not authorize or apply for a card or a loan from them. I tried calling XXXX on XX/XX/XXXX. I could not get through to alive person to speak to since I don't even have an account with them to resolve it.
Product: Student loan

I am the co-signor on my son 's student loan and keep getting harassing phone call s from Navient that are down righ t disrespectful and annoying when you are trying your best to pay. Each day, I get at lea st six calls from Navient. O n  XXXX   XXXX ,   XXXX  , the phone calls started at  XXXX   XXXX   XXXX   CST and by the end of the day I ha d 13 roboca lls from  six di fferent phone numbers. On  XXXX   XXXX ,   XXXX  , I h ad seven  robocalls. However, I spoke to a representative and stated to them that I had just made a paymen t two weeks pr ior and that I would not be able to make another payment for a couple of weeks. It 's not like we are not paying the loan. The loan was taken off of interest only payments and went to full payment and my son is not able to make these full payments due to cut in hours by his job. They told him that they would n't be able to help him until the full amount is caught up. He is in a no win situation with this company when you ask for help in your payment. It seems like you would take something instead of getting nothing. It 's difficult for any person to have to make a decision on paying rent/food or paying for your student loan. On top of that, you have to deal with rude and obnoxious customer service representative that NEVER place your comments in their notes. It 's got to be a better way to deal with this problem. We know that we have this debt and are paying the best way that we can until my son 's financial situation gets better. PLEASE STOP THE HARRASSING PHONE CALLS!!!
Product: Debt collection

XXXX XXXX XXXX is committing fraud by re-aging ( changing the date of charge-off ) on at least one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my Transunion and XXXX credit reports and I've disputed them several times with the companies and Transunion and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My problem is someone stole my information, keeps running my credit report over and over! My ex is responsible Im pretty sure but I need help to correct it plz its ruining my life!! I cant do anything or get any credit bc they have gotten stuff in my name and keep trying to run my credit!!!! Ive tried everything I can to correct it or get help fixing it your my last hope please help me!!! Look at my report look how many times its been ran no one in their right mind would keep running it like that! Im begging for help plz
Product: Credit card

Never received bill. First and only purchase in XXXX 2015. Until i called recently to ask a question. They told me account is closed due to non payment.
Product: Mortgage

Midland Mortgage is being difficult and not offering any post covid forbearance help on my FHA loan asking for unecessary documents to delay it, they bought out the mortgage at the time it was going into forbearance from XXXX who was always difficult to deal with. I've asked to be assessed for covid relief after coming out of forbearance only to be treated rudely from them. I've had to get an attorney with XXXX XXXX and will do the same if Midland doesn't respond soon with my loan modification documents, I've called and emailed them including the Vice President. Midland did send me a bill for almost {$30000.00} due the very next day after coming out of covid forbearance XX/XX/XXXX due XX/XX/XXXX in full. I know this Company is bad news and likes to cause people problems after reading similar complaints online at XXXX. I'm requesting my loan documents regarding a modification loan be sent directly ASAP!
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B obligates us to delete any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates reported.
Product: Mortgage

I called Quicken Loans to request a payoff amount on my loan. I was told there would be a {$35.00} fee. I explained that I have been a customer for 5+ years and had refinanced this loan through Quicken, would they be able to waive the {$35.00} fee? They said no. I have been diligent and saved enough money to pay off this loan to be debt free and have Quicken Loans out of my life forever and they hit me with yet another way to collect more money from me. I realize they are in business to make money but how about congratulations on paying off your loan. No. {$35.00} please. Ridiculous. Oh well, I'm on my way to achieving millionaire status and not having a mortgage payment.