23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have received numerous amounts of calls DAILY since  XXXX / XXXX /   17  at both my place of employment and personal cell. I stated to the employees (  XXXX  and  XXXX  ) and a gentleman, that I would pay it on Friday  XXXX / XXXX / 2017 , but unfortunately not able too. I called left messages that I would pay it when I could as I was always working late and they were closed and were n't open on weekends also, being in and out of the hospital. Today  XXXX / XXXX / 17 , the gentleman stated very rudely that he was calling me to collect his money and I stated to him that I was going to complain about them due to them harassing me at work and he stated they do that to everyone and I informed him that was stated in the contract that I signed and by state law that they can not harrass people at their place of employment. He proceeds to tell me that he wanted to know the name of the law firm i was dealing with and that they were gon na send someone today to my job, and i stated to him if they did they would get arrested, The entire time  XXXX , is in the background being very unprofessional and cursing and stating that noone was going to get arrested and just downright rude. I plan to pay them but when I have the funds to pay them, but I 'd rather pay another store then this store and they are very rude and need to be put out of business.
Product: Debt collection

I have received numerous calls from Harris & Harris Lmtd. stating that they are a debt collection agency and I must call them. They do not have a live person on the line when I pick up, and provide no reference to said purported debt. As far as I know, I do not owe anyone any money. These repeated calls border on harassment and I wold like them to stop. 

If they have a legitimate claim, they would be able to contact me in a reasonable manner, with sufficient details such that I would be willing to address whatever the alleged issue involved.
Product: Credit reporting or other personal consumer reports

I am writting to formally dispute several fraudulent accounts that appear on my credit report. I have reviewed my credit report and identified the following accounts as fraudulent XXXX XXXX  opened on XX/XX/XXXX, with account number XXXX and XXXX opened on XX/XX/XXXX with account number XXXX.
Product: Debt collection

There was an alleged credit card opened in my name sometime in XXXX with XXXX XXXX and or XXXX XXXX. I got a collection notice in XXXX and disputed, requesting full account history to verify debt. Debt was sold off 3 times and is now with Resurgent capital services REF ID # XXXX. I have been in contact via website, phone & email for a year and a half. I asked for a full account history showing when this account was opened, all charges, fees, interest and payments made. Resurgent sends me a 1 page stmt with a closing date of XX/XX/XXXX showing a previous balance of {$500.00}, new late fee {$39.00} and new interest for {$11.00} for a total bal due of {$550.00}. This account is not mine. They can not provide me with a full account history. I have asked and disputed several times. I contacted XXXX XXXX XXXX and they stated teh debt is to old to pull an accounting history and they could not provide it either. Resurgent is reporting this as a newer debt on my credit file as of XX/XX/XXXX. Based on the 1 page acct stmt they send me, this account was opened either in XXXX or XXXX. They are not reporting hte original creditor or the original dates on my credit file. I never had an account with XXXX XXXX XXXXXXXX. I want a full account history to verify this debt, not just a 1 page stmt telling me that there is a previous balance of {$500.00} and your new balance is {$550.00} with a credit limit of {$300.00} and a stmt closing date from over 3 years ago- XX/XX/XXXX. I disputed many times. Please remove this from my credit file. This debit has not been verified, I have no idea what it is, when or how it was opened, what was charged to the account.
Product: Checking or savings account

I am writing to seek assistance with a concerning situation involving the closure of my Wells Fargo account. I received notification from Wells Fargo that my accounts would be closed due to the suspicion of deposited checks being altered, specifically related to a check I deposited on XX/XX/XXXX in the amount of {$1500.00}. 

On the day I deposited the check, I received a priority envelope containing the check for a job I applied for online. After depositing it, I received a message stating that the check would clear on either XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX at which point I followed up by calling Wells Fargo 's customer service. The representative reiterated the message from the app. 

On XX/XX/XXXX, I received a voicemail from Wells Fargo Loss Prevention, but I did not check the message until a couple of days later. When I called back, I spoke with two different agents. The first agent informed me that my account would be closed due to altered checks, which I found confusing since I was unaware that the check was a scam. 

Seeking clarification, I contacted Wells Fargo again and spoke with a representative named XXXX XXXX. I explained that I had no idea the check was fraudulent and expressed my concern regarding the fairness of closing my account under these circumstances. Unfortunately, my account closure is proceeding despite my explanation that I was not aware of any wrongdoing. 

I consider this situation to be unjust, especially since I deposited the check in good faith, believing it to be legitimate. All actions taken were in accordance with normal banking practices, and I sincerely did not know I was involved in any fraudulent activity. 

I would appreciate your guidance and assistance in addressing this matter with Wells Fargo. Thank you for your attention to this important issue.
Product: Checking or savings account

I received a voice message from XXXX that said that I was being served if I did not comply with the matter. Unsure of the matter, I called the company. They said HSBC had an open case against me and asked if my name was " my accurate name '' getting caught up in the moment, I confirmed my name. They then asked if four digits were the last four of my social security number. They were not however I now believe that I implicitly gave the scammers valuable data against myself. Please be careful when anyone contacts you from a number not known.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and XXXX 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I inquired about XXXX internet and applied to have to services installed to my home. At the time I was living inside an apartment complex with that has duplicate address on each side. I put in the current address for my residence which was located on the east side of the complex and XXXX installed the internet services to the west side of the building complex ultimately making it inoperable for my unit. I reached out to XXXX and had a tech sent out which is who diagnosed the ultimate problem of the services at the wrong unit but also advised the technician that ultimately we would just be cancelling the services as we weren't able to use them at all the tech understood and agreed to collect the equipment. Later I see a collection on my account for {$200.00} referencing a charge from XXXX after never receiving and cancelling services.
Product: Money transfer, virtual currency, or money service

XXXX money transfer wasnt accurate when I sent money or received money
Product: Mortgage

For over the several months now I keep receiving huge duplicate packages from this lender XXXX XXXX threatening foreclosure due to conflicting language re : property taxes to be paid in full vs. the HUD section on Payment of property charges Borrowers must pay which do not say anything about " full '' payment on the property taxes nor on HOA, home insurance etc which are paid in installments if desired. 

See attached letter which goes into detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.
Product: Student loan

The complaint I originally filed is not connecting to my account to view the companies response. Please help. 
COMPLAINT ID XXXX
Product: Checking or savings account

Hi, As of XX/XX/XXXX, I havent been able to log in to Money Lion checking account. I called innumerable times since then, talking to incompetent customer service agents and supervisors that tell me the ticket has been escalated ( more than 3 times ) and that their engineers have been working on it ( for almost more than a month now ) and I still havent been able to access my own account or pay certain bills ( that require transfers ). A few times in the past, they withheld funds that I tried to transfer to pay my car payment and credit card, and I was charged late fees for returned payments, even though I had the money in my account. I have not been able to see my account information, know my account number, or see my own investment fund. I have to call them to know transactions and balances, and they still have not fixed this issue. Every time I call, they act as if its the first time Ive spoken with them, and I have to start all over. Theyve also told me Im not the only customer in this situation. Im sure this is borderline illegal. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month, XX/XX/XXXX, ive noticed that i had a few accounts as well as addresses and accounts on my credit report that i have not made. I have outlined the transactions that do not belong to me nor have i made any them on my behalf. 
i Know that my information was part of the XXXX XXXX XXXX because i received a letter in the mail from XXXX letting me know that i have been exposed. To this day, XX/XX/XXXX, I am still dealing with repairing my consumer file. This is also stopping me from fulfilling my career employment due to this holding me back.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Checking or savings account

After losing my job and my unemployment benefits expired, I did not have direct deposit for my checking account at Wells Fargo Bank. 

Wells Fargo Bank then started charging me a fee of {$15.00} a month. They said I must have direct deposit or I will get charged the {$15.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Account address ID # XXXX, has violated my rights and is incorrect. 

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 with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

On XX/XX/year>, I received notice of my USAA CD maturing on XX/XX/year>. I called USAA Customer Service and explained that I wanted to close the CD and transfer the money to another institution. I was told that because the maturity date was on the weekend that I needed to call back on Tuesday XX/XX/year>. So I called back on XX/XX/year> and spoke with XXXX ( XXXX? ). She told me there was an IT issue and that she needed to submit a ticket to the XXXX Department. She advised me that I needed to call back in a week to give them time to correct the issue. I called back on XX/XX/year> and spoke to XXXX. He said that a ticket had not been submitted and there was still the same IT issue. I aksed what the issue was and he said it had to do with the IT Department and he would ensure that a ticket was submitted to them. This sounded strange to me, but he was not telling me anything new and just repeating the same thing so I said ok and ended the call. I decided to call again on XX/XX/year> and I spoke with XXXX. She said there was no IT issue and that the CD had been automatically rolled over as the maturity date was XX/XX/year>. I explained to her all the calls I had made previously and she said there was nothing she could do about it as it was too late. It had already been rolled over. She said that XXXX should have told me that the CD was already rolled over. I was adamant that I wanted to close the CD and transfer the money to another financial institution. So she did close the CD and electronically transferred the money to my other financial institution. They proceeded to charge me an early withdrawal penalty of {$550.00}. I am an elderly woman of XXXX XXXX XXXX living on a fixed income and I feel they took advantage of my age and vulnerability. I was only following their instructions the whole time. Please assist me with this as I feel I was wrongly charged this huge penalty fee.
Product: Mortgage

This complaint is against Caliber Home Loans. They bought our home mortgage loan from XXXX effective XX/XX/XXXX with Caliber assuming service on the loan on XX/XX/XXXX. We had lengthy difficulties with XXXX. These difficulties seem to have been transferred to Caliber. Caliber has been unable to sort things out and communicate with us on a timely basis. The specific points of contention are:1. XXXX told Caliber that they paid our homeowner 's insurance because they say we let our homeowner 's insurance lapse. This was totally false and we provided documentation from XXXX showing that our homeowner 's insurance never lapsed and was up to date. Those documents were also faxed to Caliber on XXXX XXXX, 2015. 

2. XXXX informed Caliber that they paid our property taxes for XX/XX/XXXX. This is totally false and we provided receipts showing that we paid it. Those documents were also faxed to Caliber on XX/XX/XXXX. 

3. Caliber started calling us in XX/XX/XXXX telling us we owed them either {$8000.00} or {$10000.00}. This was a combination of the homeowner 's insurance, property taxes and they said we were behind in payments per the information they received from XXXX. We faxed them documents on XX/XX/XXXX that included letters from lawyers at XXXX ( XXXX in XX/XX/XXXX and XXXX in XXXX ) that stated that we were current and up to date with all payments. We also faxed cancelled checks for all mortgage payments for XX/XX/XXXX demonstrating that we were actually ahead of our schedule of payments. 

4. We sent with the documentation on XXXX a letter of complaint asking for the matter to be resolved after speaking with a manager named XXXX in the Caliber complaint department. They also indicated that while it was being investigated they would cease their harassing phone calls. 

5. They said they would respond within 30 days. On XXXX XXXX having not heard from them we called customer service. At first they were unable to find any record of our complaint or the XXXX pages of documentation that we faxed in. When they did find the information they were unable to connect us with their complaint department. We requested a response from them by phone by Wednesday, XX/XX/XXXX. They have not responded. 

We are asking that they update their records to show that no taxes were paid by XXXX or Caliber, no property taxes were paid by XXXX or Caliber. Any money applied to " pay '' for these taxes be applied toward the principal of the mortgage in addition any interest is to be adjusted. Any late fees must also be removed from our account and interest adjusted. We have had extreme difficulty getting records concerning our account from Caliber and what we did receive was very confusing because the information they have from XXXX is very confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY SECURITY CREDIT SERVIC. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM THEM.
Product: Vehicle loan or lease

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : Flagship Credit Acce Account Number : XXXX has violated my rights. XXXX5 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX OF XXXX Inquired on XX/XX/2023 XXXX & XXXX XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023
Product: Credit reporting

XXXX XXXX XXXX XXXX ( " XXXX '' ) dispute ( not default ) Received letter dated XXXX XXXX 2011 stating all XXXX lease payments paid for term of lease matured. However, the XXXX online system indicated XXXX payments due. Substantial correspondence file in this regard including a number of letters to XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX XXXX XXXX I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts from my credit report.