23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open
end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

Wells Fargo abruptly reversed a credit for two disputes totaling XXXX and XXXX that I told them I did not make. They did not care and took money from my account 3 months after the fact which caused my account to go into the negatives! I just received my first stimulus and my child tax credit and Wells Fargo garnished them for the negative balance due to there error. Irs told me the stimulus was not supposed to be garnished and Wells Fargo is telling me they have to investigate as if everyone isnt aware of the stimulus being illegal to garnish. They have made it extremely hard for me to take care of myself and my children trusting them with there money and something needs to be done! Wells Fargo just takes money from peoples account with no warning and for no reason! And I need my monies back! I have bills to pay and kids to feed please help! This is horrible!
Product: Debt collection

On several occasions I requested that WAKEFIELD AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX  be removed from my credit report. By unlawfully applying interest charges that were not authorized, Wakefield and Associates , IncXXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. Wakefield and Associates XXXX Inc., a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted Wakefield and Associates , Inc., I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from Wakefield and Associates , Inc., the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing Wakefield and Associates , Inc., from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that Wakefield and Associates XXXX Inc., loss due to these unlawful practices the XXXX XXXX XXXX allowed Wakefield and Associates , Inc., to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 

WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1400.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1400.00} WAKEFIELD AND ASSOCIATES Reported : XXXX. XXXX, XXXX {$1300.00} WAKEFIELD AND ASSOCIATES Reported : XXXX. XXXX, XXXX {$1300.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1200.00} WAKEFIELD AND ASSOCIATES is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. 

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that WAKEFIELD AND ASSOCIATES is removed from all XXXX XXXX XXXX immediately
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Since 2000, the XXXX FBI office and Internet Crimes under Attorney General XXXX XXXX and in the past XXXXXXXX XXXX has been allowing Female police in the White Collar Crimes Division, target seniors bank accounts and by using Department of Education employees protected from prosecution by XXXX XXXX of the EEOC. 
I was harassed for reporting females who have targeted other females bank accounts and that were seniors. State Employee XXXX XXXX and Adult Protection XXXX XXXX and several Section 8 housing of seniors managers has allowed this rackateering and hacking of Debit cards. 

My debit card has been hacked by XXXX Supervisor XXXX XXXX in association with XXXX XXXX and FBI agent.
Product: Checking or savings account

account always in the negative always paying charges and interest on things i never understood about this account stay in negative when i don't have the funds they still take them so i will own them more money this has been going since the year of 2010 i contact the bank to see if i was eligible. For the law suit.no one responded to me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. Thank you
Product: Mortgage

After discussing the property and current rates with Washington Federal XXXX I signed a rate lock at XXXX XXXX  on XXXX/XXXX/XXXX at XXXX and returned it to the bank. This morning, the bank manager for the branch in XXXX, New Mexico, XXXX XXXX called me and told me they were raising the rate to XXXX XXXX and said that it was because of the size of the property and the number of outbuildings. The outbuildings they are reffering to are non-permanent sheds on the property and the bank manager was aware of both the property size and the outbuildings when she gave me the original rate lock. I told her that I would be issuing a complaint with the CFPB and she said she would try to convince the underwriter to drop it to XXXX XXXX She also told me that if I wanted to proceed with the loan, I would have to accept those terms. We are not in a position to start shopping for a bank again as we are trying to close on this property as soon as possible to get our family of 6 out of a 2 bedroom rental property and have our property delivered from storage. The fact that they changed the terms when they already had all of the information on the property and had offered to let us lock the rate at XXXX XXXX  seems very unethical to me and I would like the CFPB to contact them with this complaint.
Product: Checking or savings account

My PayPal account was permanently limted 6 months ago paypal said to me that I would recive my money within 180 days it has now been 184 days and they just give new excuses every single day I are tried many times with them but nothing works they just keep lying to them My PayPal email adress is XXXX XXXX
Product: Debt collection

calls received and unknown or unrelated to the person they intend on reaching, I calmly asked to not call and remove me from calling list and call persist. 
very rude and nasty even when told not to contact my wife again that they had the wrong person.
Product: Credit reporting or other personal consumer reports

I submitted multiple disputes with Experian 24 hours later they closed it saying the items were accurate. I dont feel that they properly looked into anything. 
XXXX XXXX XXXX
Product: Debt collection

This company has repeatedly contacted my work phone regarding a debt collection that I have no proof belongs to me. They have left voicemails on this phone number, which my employer has access to.
Product: Credit card or prepaid card

I had opened a financial Account through TD Bank , N.A . Months ago for a purchase with XXXX and had never activated or used the account. I called months ago to close the account and it is somehow still open. I am also still receiving letters in the mail regarding the account.
Product: Mortgage

I am purchasing a Pulte new build and they have a {$10000.00} incentive to go with their lender Pulte Mortgage, cool no brainer. 
Started the lender app and process XX/XX/XXXX. Was quoted a 3.49 % rate on a 30yr conventional loan w/ 5 % down. I questioned it but was told that was the best rate for my high XXXX credit score, I still thought it was high but was far from locking so I didnt push the issue. Got all the required paperwork in immediately. 
Got a conditional approval on XXXX XXXX the approval was pulled stating they needed more paperwork about a lawsuit I was the plaintiff in, sent the paperwork that day XX/XX/XXXX loan still not approved, underwriters were asking for lawyers fees costs, I thought this was excessive and sent them an email stating that I believed this was a form of discrimination and that I would not move forward until I talked to compliance and that person has a sense for diversity and inclusion. 
Talked to the compliance officer, was told she would look into it and encouraged me to shop rates. I was XXXX because that would mean another inquiry on my credit.

Spoke to the lending manager that informed me there was no way to discriminate because all rates are based on credit score and downpayment. I notified him it wasnt my job to educate him on the history of lending discrimination and advised him to seek out educational resources/training from the administration. 
XXXX Submitted even more income verification documentation including statements from my 403b as a funding source backup to speed up underwriting, per loan officer and loan processor recommendation XX/XX/XXXX Applied with a new lender XX/XX/XXXX Quoted rate of 2.87 % XX/XX/XXXX I informed XXXXulte I would no longer be using them as a lender and requested that the builder honor the building credit since Pulte had yet to approve my loan and their rate was not competitive XX/XX/XXXX Underwritten approval received from new lender XX/XX/XXXX Pulte mortgage sent over their rate match with {$10000.00} in points stating they were matching the fee structure of the outside lender since I would lose my builder credit by not going with them. How could this be a competitive loan if seller credits are being built in? 
XX/XX/XXXX informed Pulte I was not interested in their predatory loan and to withdraw my application. 
XX/XX/XXXX was informed by the builder they would not honor the builder credit. This has put me in a tough place financially as I now have to come to the closing table with an extra {$10000.00} I hadnt planned on. I based my savings on the cash to close I received when I started the process in XXXX. 

Why I think this is discrimination The high-interest rate The length of time it took and the amount of paperwork I had to submit to still not be approved two months after applying Submitting the same paperwork to a different lender and getting a better rate and approval in no time Being offered to buy down the loan as a rate match Feeling pressured to accept a subpar loan so that I wouldnt lose the {$10000.00} credit, " Lenders shouldnt steer you into a product that doesnt fit your financial needs ''
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6200.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$550.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX 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 Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Checking or savings account

Unauthorized transactions started around XX/XX/XXXX and the charges to the debit card cleared all funds from the checking account. As the checking account was cleared, the bank pulled funds from savings to cover charges in result cleared the savings account of its funds. The total charges vary from the checking and savings account amounts. 

There were several gas station and XXXX purchases : XX/XX/XXXX {$390.00}, {$270.00}, {$510.00}, {$50.00}, {$60.00}, {$60.00}, {$60.00}, {$65.00}, {$80.00}, {$22.00}, {$9.00}, {$660.00} The bank stated they did an investigation and will not refund the missing funds.
Product: Credit card

I am submitting a complaint about Lowes ' Store credit card. I believe that they have a deceptive practice of not sending consumer bills for the goal of charging them late fees and interests. On XX/XX/XXXX, I made an online purchase for the amount of {$75.00}. On XX/XX/XXXX, I received a paper bill for a total of {$130.00} with a {$35.00} late fee plus some interest. When I called in to the customer service, the explanation is that the bill was sent electronics to my email. I told him that I did not receive any " electronic bill ''. His suggested that it went to the " junk mail ''. I told him that I did not ever recall being asked to accept an electronic bill in lieu of paper bill. 
When I went online, I discovered that for the same purchase, I was also charged a {$25.00} late fee in XX/XX/XXXX. 

I found Lowes ' Credit Card 's management company XXXX Bank totally deceptive in it practices.
Product: Debt collection

SRA ( Strategic Resources Alternatives ) has violated my federal consumer protected rights! I have attached documents for further explanation of this situation.
Product: Debt collection

I am filing this complaint after repeatedly requesting deletion of this debt from the three bureaus. Both XXXX  and XXXX have made the deletion. XXXX has not. This debt is part of an education scam that has been widely reported in the media. 

As you can see from what I will attach, this unvalidated debt has been handed off to a number of debt buyers. I wrote directly to XXXX XXXX at XXXX, the originator, last year and got no response other than being handed off to the debt buyer, Weltman, Weinberg & Reis. 

Below is the substance of what I asserted to XXXX XXXX at XXXX XXXX XXXX Dear XXXX : I appreciate your letter of XX/XX/2018. I have reviewed it with my client, Ms. XXXX, who countersigns this letter below. 

Ms. XXXX indicated two things to me ; 1 ) She  never went to XXXX and 2 ) The signatures on the paperwork so stating are forgeries. 

Her classes were in Arizona and XXXX XXXX University XXXX College had nothing to do with XXXX XXXX XXXX. Can you produce a document from the XXXX  system documenting her attendance in their system? 

This loan is in no way validated as every detail is either incorrect or forged. Until you can provide Ms. XXXX with the actual origination documents validating this loan, you must refrain from reporting to the credit bureaus. I am advising Ms. XXXX to retain a consumer rights attorney. It will be up to her attorney consider to criminal charges. 

My reading of the activities of Weltman, et. al.  would indicate the they have abused debtors in the past by failing to properly review : available data and documentation, the history of clients portfolios and types of accounts, which consumers were represented by attorneys, any asset reviews that had occurred, and bankruptcy information ; reviewing clients policies and procedures ; evaluating clients trustworthiness and legal compliance ; obtaining warranties as to the validity of the debts to be collected ; sampling documentation and terms of accounts ( including reviewing statutes of limitation and determining when arbitration is required ) ; and creating data scrubbing procedures and criteria to identify consumers who should not receive collection letters. '' Please, this fraudulent reporting is doing damage to me and my business. I request that whatever enforcement tools that are available be used to immediately remove this report from XXXX.
Product: Credit reporting or other personal consumer reports

Dear Transunion dispute department : The items listed below must be removed from my credit report due to violations of the Fair Credit Reporting Act violations of 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) : According to the law, you are required to add a notice within 30 days, and not 1 day over, and I have evidence that this was not done. You have cause me to miss out on housing and credit opportunities as this was not done, causing my credit report to be furnished inaccurately. As a consumer, I am protected by law and these account need to be deleted immediately.

If this issue is not resolved, I will pursue monetary damages for the violation of my rights in small claims court under 15 USC 1681n, which outlines civil liability for noncompliance.