23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In light of the recent Fraud and Schemes that have been reported in the news concerning Wells Fargo Bank, in whom I do bank with, I have grown very suspicious of two recent things concerning Wells Fargo. First my log on password was suspended for no apparent reason, Second ; I received a refund Cashier 's Check dated XXXX/XXXX/2016 in the amount of {$12.00}. Check number XXXX. The letter stated it was a refund from a loan. Loan # XXXX. The odd and suspicious thing is that I do not recall or have knowledge of this loan. I am very concerned that my identity, account, and privacy has been compromised. I called Wells Fargo today, and could not get a straight answer to any of my questions. I would very much like to know what is going on, and what can I do to protect myself. If you may assist me in anyway, I would greatly appreciate it. Thank you.
Product: Debt collection

XXXX placed Aldous & Associates account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing Aldous & Associates to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.
Product: Credit reporting or other personal consumer reports

I have made disputes with Equifax for incorrect personal information and accounts that have not been corrected. I also requested proof of debt from Equifax. Equifax has allowed the XXXX XXXX XXXX account to list my collections account that I do not owe in my account section and has also allowed them to reage the account. Remove this account from my credit report or show proof of investigation. You continued to verify an account that I am not liable for due to fraudulent charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX that has been ignored.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I Mailed in a Dispute to Investigate Inaccurate information on my chredit report. Today is XX/XX/XXXX and I still have not gotten an update on my credit report and it is way over the 30 days thats given to investigate. Please investigate and Delete inaccurate information on my credit report.
Product: Mortgage

First paperwork i did was 33 pages i filled out that XXXX XXXX sent me do and copied digitally to my email at library, XXXX printed them and sent them to Wells Fargo. 

Later on i went to XXXX XXXXk and hot current statement which was 8 pages sent to them. 
I sent copy of my income tax, I sent them the social security award letter {$1500.00} which is my only income. 
I sent copies of electric bill and my medicine etc. 
I would have been in a better situation if they had let me start paying something, My amount owed just grew and grew. 
Back in XX/XX/2017 they would not let me unless i paid them all owed. My only money i got every month was social security which does not leave money for mortgage payments, That is not there fault but if they lowered my payment to {$900.00} a month i would have paid them every month. I still want to pay them but i can not back pay. I could start paying them {$800.00} every month now and try to send more if i can spare. 
Thanks for your time. I have sent messages for a while on their site to let me start paying but no response, if i get moved out on street XX/XX/17 XXXX i don't what to do!
Product: Mortgage

on XX/XX/XXXX  XXXX  hit our home and did alot of damage as well as  5 we eks no power and out of work because of same for months because my work was out of home,  Ocwen loan service was l ess than helpful and because of the   XXXX   went into hospital XX/XX/XXXX  and by this time I  was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX  and I recieved a letter from  Ocwen that they are going to foreclose. This was when we were   working on the second Mortgage Modification with them, I than called  XXXX   XXXX   Office   Esq  in  XXXX , NJ  XXXX  and he told me to file a chapter  XXXX  bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP  XXXX  ) including a now Third modification submitted by way of the courts, The  XXXX  was filed on  XXXX  and approved and the chapter  XXXX  was filed on XX/XX/XXXX  and once again the   XXXX   put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with   XXXX    office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER   XXXX .Than  after that i was hit by a   XXXX   XXXX   and it put me in  XXXX  IN   TH  E HOSPITAL  and I had to let the Chapter  XXXX  discharge because had no work, could not work and ended up on  XXXX . Now I am in   Superior court,   XXXX   XXXX   XXXX   N.J. fighting   Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent  XXXX  as well as a  XXXX  daughter who lives with me, the  XXXX  has been unbearable to say the least. Thank you for any help your  Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX. Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX XX/XX/XXXX balance of {$780.00}. XXXX XXXX XXXX XXXX  XXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Checking or savings account

Opened a checking and savings account as part of a mailed promotion flyer. Terms were met and {$400.00} was earned for checking. Terms were met for the savings promotion ( open account and deposit {$10000.00} through XXXX XXXX ), but {$200.00} promotion never provided by bank. Multiple calls to bank branch and spoke with manager. Branch first stated that my savings account was closed when I transferred out the money and that is why they couldn't award the {$200.00}. Branch said that on their end, they saw the account was closed. However, my savings account is in good standing and open and I was able to transfer money to it. Manager agreed and was following up with the district manager/marketing department, but have not received any call back for over a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have 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
Product: Money transfer, virtual currency, or money service

This is a complaint against Wise, formerly known as TransferWise. 

I made a money transaction on WIse on XX/XX/ to purchase a designer handbag in the amount of USD XXXX ( {$8000.00} for the bag + XXXX Wise fees ). Transfer was completed on XX/XX/, the recipient received the money. On XX/XX/, I received the handbag. On XX/XX/, I received the authentication results that the bag is a knockoff, fake, counterfeit bag. I contacted the scammer ( aka the recipient of the money on Wise XXXX, there was no response ever since. 

On XX/XX/, I filed a police report through U.S. Federal Trade Commission. I also reported the scam to Wise on their website. 

On XXXX, I called my bank and reported the scam to them and they said they will investigate and do a reverse withdrawal if necessary. 

XX/XX/, my bank initiated the reverse withdrawal. 

XX/XX/, Wise responded to my scam report, straight denying that it was a scam, and they do not handle disputes among their customers. So no actions were taken by Wise in this scam. Also on XX/XX/, they demanded me to pay them back the money I got scam after my bank did the reverse withdrawal. 

I told them the scammer ( aka the recipient of the money ) is liable to pay Wise back the money, not me, the victim. After a few other communications with Wise, they sent me a final formal notice on XXXX, that I am liable to pay them back the money I got scam.
Product: Credit card or prepaid card

XXXX XXXX of XXXX XXXX is working on behalf of the family ( widow ) of XXXX XXXX XXXX. XXXX XXXX is deceased. Citibank holds a judgment against the client 's property. 

Citibank was provided all requested documentation and submitted by fax to their probate department on XX/XX/XXXX. Told at that time that it could take 4-6 weeks, but was told to check in after 7 business days and that we can expedite. We have called each business day since then, asking for a manager/supervisor, only to be told they are severely back-logged and nothing can be done to expedite. 

Meanwhile the purchaser of the property is threatening to walk away unless their mortgage-rate-lock extension is paid for, for a month, which is an additional {$4000.00} because Citibank needs 4-6 weeks to process a full payoff statement. 

We went through the same process with XXXX on the same day. Received the payoff statement in 48 hours.

It is unconscionable that it takes 4-6 weeks.
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its legal obligation under the XXXX reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience where Experian had neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX  Account name : XXXXXXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX 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 a account without my written instruction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Hello, I have several outstanding loans with Navient. One particular private loan with an outstanding balance of approximately {$24000.00} has seen some unusual activity whereby the amount of interest charged was significantly higher with no reduction in principal for some months. For example, my rate is usually 5.5 % variable but there were some months where the annualized rate spiked up to as much as 8 % and then the next month it would return to normal levels. This sort of activity happened several times over the past 5 years. This makes no sense considering interest rates have been extremely steady. I need to know exactly how my interest rate is set every month ( Libor? What 's the spread? ) and why on some months, only {$1.00} of my {$160.00} payment went toward reduction in principal. I 've never incurred late fees since 2011. 

Please see attached the file containing the prior history of payments. Note under Column I is the annual interest rate which as you can see is very high. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. On XX/XX/year> I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX account number : XXXX ( Sprint ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for more than XXXX days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report from all three bureaus Transunion, XXXX and XXXX. I noticed that the report has credit inquires that I did not authorize. I am new to my credit journey and these inquires are affecting my score negatively. One inquiry from XXXX XXXX XXXX XXXX  made on XX/XX/2022. This was a pre approval I followed via email from the company and my credit was hard pulled. Another made with XXXX XXXX via website on XX/XX/2022, I followed their pre approval application and later was followed up with a phone call to come in and look at vehicle only to find out that my credit was already pulled before even arriving. I notified them of this as I am only looking around but told me it is out of their control. XXXX XXXX also hard pulled my account and even have an inaccuracy on my street address based on my report. I request you to investigate and remove the inquires as soon as possible as I will be applying for a secured pledge loan soon to build credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I talk to some one today at XXXX XXXX  from the fraud department the lady name was ( XXXX ) I was trying to dispute some fraudulent Inquiries I was let on hold so times I let ( XXXX ) know my Inquiries I did not authorize and I let her know I did a FTC But XXXX did not help me at all or try to remove or investigate the Inquiries. she was not helpful at all and have bad Customer Service My problem was not resolved. 

Here are all the Inquiries need to be remove Inquiry details XXXX XXXX XXXX  XXXX XXXX from XX/XX/2021 All Banks XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/2021 All Banks XXXX XXXX XXXX XXXX from XX/XX/2021 2021
Product: Debt collection

I have been contacted repeatedly by the collections agency Healthcare Revenue Recovery Group. On XX/XX/year>, I alerted representatives that the debtor is deceased ; the representative acknowledge this information and hung up. I attempted to call back and to direct them to the estate trustee. I attempted to call back to provide contact information for the estate trustee so the debt could be resolved in a timely manner. Representatives refused contact information for the estate trustee, instructed me to provide their contact information to the estate trustee, and hung up on me.

1. Unfair or Deceptive Practices ( 15 U.S.C. 1692e ) The FDCPA prohibits debt collectors from engaging in behavior that is misleading or deceptive.

Refusing to accept contact information for the estates representative and hanging up may constitute an intentional act to prevent the proper handling of the debt. This could be seen as deceptive since the collector is failing to follow the legal process for addressing a deceased persons debt.

2. Harassment or Abuse ( 15 U.S.C. 1692d ) The FDCPA prohibits harassment, oppression, or abuse by debt collectors in connection with collecting a debt.

Hanging up repeatedly and refusing to engage in professional communication may be considered harassing, especially since I am making good-faith efforts to direct them to the estates trustee.

3. Failure to Communicate Properly ( 15 U.S.C. 1692c ) Debt collectors are required to communicate with the proper party authorized to resolve the debt. For deceased individuals, this is the executor or trustee of the estate.

By refusing to accept the trustees contact information, the debt collector is failing to fulfill their obligation to communicate with the authorized party. Ignoring this information can hinder the resolution process.

4. Unfair Practices ( 15 U.S.C. 1692f ) The FDCPA prohibits using unfair or unconscionable means to collect or attempt to collect a debt.

Refusing to cooperate with efforts to provide the trustees information could be viewed as an unfair practice, as it prevents the debt from being handled appropriately.e
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been reporting fraudulent mortgage payment amounts to the credit companies. And then used these fraudulent numbers to file for foreclosure on my home. In a correspondence dated XX/XX/XXXX from XXXX XXXX Complaint XXXX XXXX XXXX. She stated " Principal and interest payments of {$1000.00} starting on XX/XX/XXXX for 30 years. '' Also she admits that XXXX XXXX XXXX XXXX. Can not produce proof that they gave me any type of Loan. Stating " XXXX must decline your request to produce a signed contract proving that funds were provided in the form of a loan ''. However XXXX XXXX XXXX XXXX has reported to all three credit agencies that I'm delinquent for the payment amount of {$17000.00} per month. This fraudulent amount is not the amount of my original loan from XXXX XXXX that I have a signed contract with. They have admitted to fraudulent action and extortion of funds and proof that they have no contract with me to demand anytime of repayment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and discovered multiple inaccuracies, including incorrect information related to my date of birth, addresses, and other personal details. These errors have been improperly reported to the credit bureaus, which is not only unjust but also a violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate information has caused significant harm to my ability to live a decent life, impacting my access to housing, credit, and employment opportunities. 

The FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), mandates that credit reporting agencies " conduct a reasonable reinvestigation '' of any disputed information within 30 days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. The continued presence of these errors on my credit reports is unacceptable and has caused undue stress and hardship. 

I have attached proof of the correct information and formally request that these inaccuracies be removed immediately from all of my credit reports. It is crucial that these errors be corrected without further delay to prevent additional harm to my life and well-being.