23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of doing a deed in lieu and I am having a issue with the second mortgage Wells Fargo. I submitted paperwork to them that I had received from my first mortgage on XX/XX/2017 via fax. Instead of them reading the paperwork and acknowledging that it was a settlement offer from my first mortgage they removed me from their hardship program. I had to call them several times and have requested that they respond to the correspondence that was sent to them and advised myself and my first mortgage if they are going to accept the settlement offer. Since I sent the correspondence I have been assigned several representatives. The last one assigned to me XXXX, I sent her an email on XX/XX/XXXX to find out the status of the settlement offerr. She called me on XX/XX/XXXX at XXXX and stated that she did not know the status but she would reach out to the processor and would call me back in 24 to 48 hours. It has been 8 business days since I spoke with her and have received no response. I also sent her an email for status on XX/XX/XXXX and XX/XX/XXXX and no response as of this date. Why is it taking so long for them to agree to the settlement offer. This is the only thing that is needed for my first mortgage to conclude my deed in lieu.
Product: Credit card or prepaid card

I disputed a charge of {$490.00} dated on XX/XX/2021 with Bank of America. I also disputed other charges associated with a hotel stay at XXXX XXXX XXXX  XXXX in XXXX  XXXX, VA due to unsanitary, unsafe, and discriminatory experience. While Bank of America resolved all other charges disputed in my favor, they refused to resolve the {$490.00}. They allegedly needed documentation submitted which I did, but they said they couldnt do anything. Meanwhile, when I spoke with them they seemed to agree that the conditions of the hotel stay were not great. I believe this is unfair. I tried resolving this matter with the Better Business Bureau reaching out directly to the hotel, but the hotel would not respond so the case was closed. I was hoping that Bank of America would help but they were only willing to remove the smaller charges and not the larger amount which is a bit suspicious to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Today I went to check my credit score on mint and my score dropped from XXXX, to XXXX. Some company called NATIONAL CREDIT SYSTEMS. According to my credit report that I pulled from XXXX  they say I owe {$300.00} to a company called XXXX XXXX. 

I've never heard of either of these two companies before. No one ever contacted me about this debt, they just slapped this on the report. I think it's probably fraud. I tried to call both of them but neither would pick up because it's a Saturday. 

I had a perfect credit score before today and I've never made a late payment on anything. Now my perfect credit score is ruined, by what appears to be fraud.
Product: Checking or savings account

XXXX case # XXXX Wells Fargo case # XXXX When dispute charge for a airplane ticket that was refunded but never made it into my account until 2 or 3 months later.. they stuck by the denial even after asking consumer financial for help still said money was never taken for the XXXXXXXX XXXX XXXX XXXX Ticket for XXXX some dollars but took months to finally get justice. What is the reason for saying one thing never taken out but after months I finally got my refund from the airline??
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 online account has been inaccessible for a few months i have call multiple times issue still exist
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, Texas XXXX I, XXXX XXXX XXXX am writing with Regards to your Response Letter and notification of Your Completed Investigation. For Acct # XXXX, # XXXX Im asking for a Reinvestigation. So after reviewing My Credit Report I question Your Methods of Investigation. 

Debt Collection Violation : under 15 U.S.C. 1601 ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681n ( Fair Credit Reporting Act ), IT IS MY RIGHT AS A CONSUMER TO DISPUTE ANY INACCURACIES OR DISCREPANCIES IN THE INFORMATION YOU ARE REPORTING! Under the FAIR CREDIT REPORTING ACT ( FCRA ) I am requesting Validation of Debt, under XXXX. How was this Investigation conducted? 

Please provide me with Copies of the following information. All Documentation and Communication regarding this matter including but not limited to Names, Dates, and Times Emails, Phone Number, Addresses etc. 

( 1 ) Who did you Speak to ( 2 ) What form of communication ( 3 ) What Day ( 4 ) What time ( 5 ) Results Found I have reason to believe that your actions violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) : Section 809 ( b ) : Communication in connection with debt collection must not be false, deceptive, or misleading. Section 809 ( c ) : Section 809 ( e ) : Validation of debts is required upon consumer request. Fair Credit Reporting Act ( FCRA ) : Section 1681n : Provides for civil liability for willful noncompliance with any requirement under the FCRA.

I request the following actions to resolve this matter : Provide validation of the debt as required by FDCPA Section 809 ( e ). Cease all collection activities until validation of the debt is provided. Provide documentation demonstrating compliance with FCRA Section 1681n regarding the accuracy and reporting of the debt to credit reporting agencies. If you fail to provide the requested information or continue collection efforts without validation, I reserve the right to pursue legal action under the provisions of 15 U.S.C. 1681n and any other applicable laws. Please respond to this dispute in writing within 30 days from the receipt of this letter. I expect a prompt resolution to this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX and I have a PayPal account, made with this email ( XXXX ). On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I amin violation ofPayPal 's Acceptable Use Policy.I sell XXXX Accounts and in XX/XX/2020 I've got another limitation by PayPal XXXX and they asked me to explain my business and where the money are coming from ( RefID XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I amin violation ofPayPal 's Acceptable Use Policyor that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I do business and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not sellingstolen virtual goods. I am not sure if this is some mistake as I assume it has to be, or some automatically process.I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Thank you!
Product: Mortgage

Flagstar Bank has erroneously billed me for {$370.00} since XX/XX/XXXX, when this bank acquired the loan from XXXX. The erroneous charges are allegedly for lack of proof of insurance. Flagstar Bank is aware that the charges are erroneously charged by XXXX and will not remove the charges from my account as of this day. Flagstar Bank knows the charges are erroneous because, in the files acquired by Flagstar Bank, proof of insurance was scanned into the XXXX system on XX/XX/XXXX, @ XXXX AM. and XX/XX/XXXX, @ XXXX AM. Flagstar Bank knowing that the fees are erroneous, informed me today via customer service call by representative XXXX from XXXX that Flagstar Bank can not remove the XXXX fees from my account.
Product: Student loan

Navient has not provided me with an accurate XXXX Student Loan interest paid statement for my private Student Excel loan. Account number XXXX. When requesting a XXXX by phone I was directed to a customer service representative specifically trained in Private loans and was assured I would receive it in my email. The attached form was received and is not accurate nor a XXXX. 

I received a notice on the automated phone system that a self certifying form to confirm the interest paid for my XXXX was sent to my mailing address was correct but I have not received it yet nor is it available online for download. This is an unnecessary burden mean to discourage borrowers from receiving tax benefits for private loans. The XXXX should be available and should have been mailed to me since i paid more than {$600.00} in interest and capitalized interest in the 2014 tax year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has possibly made an account that was not requested by me that showed up as a hard inquiry on my XXXX XXXX report. I just got XXXX XXXX  a few days ago and it showed this XXXX account was created on XX/XX/2018 which I did not initiate.
Product: Payday loan, title loan, or personal loan

I got a loan from XXXX for {$500.00} there intrest rent is 690.4522 % they want me to pay them back {$3000.00}. I keep contacting them but no one replies to my messages they wont even send me a statement of what I paid I Borrowed XX/XX/XXXX and been doing weekly payments of {$73.00} so I have already paid over {$500.00} I'm having trouble paying more why is it so high to pay back also my current balance last week was {$500.00} now this week its {$530.00} that doesn't even make sense and dont add up right
Product: Credit reporting, credit repair services, or other personal consumer reports

Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.
Product: Checking or savings account

Re : limit permanently my account I am writing to you concerning the email sent on XX/XX/2020 on the part of Paypal, which indicates that my account suspends directly and that I have no right to withdraw my money nor used my account, I have a store whose I work and whose products I sell, they suspended my account for no reason and without any justification, and this caused my business and my sales to stop, I tried to contact support, and no answer, the phone numbers are unreachable, even on their XXXX page, they don't answer I hereby inform you that I strongly contest this decision, and that I appeal the decision in question. 

Pending confirmation of my request, please accept my best regards. Thank you
Product: Credit card or prepaid card

This is in reference to the fraudulent transactions that took place on my Wells Fargo credit card account ending in # XXXX. As I reported to the FTC, Law Enforcement & Wells Fargo my credit card was stolen and used criminally at multiple locations including my identity which is why I have now involved the FTC with filing an sworn statement and report. I've initiated an investigation with Law Enforcement, private investigative resources and seeking a resolution as soon as possible. The fraudulent balance reporting is in violation of the Fair Credit Reporting Act, specifically Section 609 of the FCRA. The evidence accumulated so far of the fraud is beyond overwhelming. The transactions appear to be all over and to the extent that fraudsters used my credit card information/identity to travel and purchase flights. I have submitted all of this information to the relevant parties and still do not have a resolution nor correction of the accurate balance reporting. I have received conclusive confirmation that my name/identity/credit information has been compromised in recent data breaches and I'm pursuing legal recourse in light of these data breaches. Unfortunately in addition, I still am missing a black briefcase that had sensitive information from the me and my girlfriends including copies of our ID for a lease agreement application. Police is investigating for suspects and I've requested surveillance. Based on the CC statement provided to me from the branch locally there are charges all over and some appear to be almost simultaneous. I was under the impression that as an added protection and layer of security the WF Fraud department will block transactions that appear outside of the norm In looking at these charges, how were these not marked as fraud immediately? Some literally are what appear to be foreign passengers using my information to book flights? The CC statement displays this Intel. How much more conclusive can fraud get. Im currently gathering information being supplied to me from the resources that I've hired including IP addresses, locations and any potential information I can use. As an official statement I would be happy to testify and show the evidence that I was either at home or at work these charges appear to have taken place and I have multiple individuals, coworkers, colleagues and evidence and even work clients that can easily confirm this. Again, the evidence of the fraud is overwhelming. My ask is for the correct, fair and accurate balance be reported before the fraud took place. The last valid transaction was on XX/XX/2019 - # XXXX - {$77.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Product: Student loan

I only attended the school for less than 6 months. Could n't do the work and was getting no help and then the Dept of education investigated the school for fraudulent loans which then resulted in them closing the school down. XXXX XXXX was where my loans were then Navient started harassing me saying they took over the loan and would n't work with me even though I had already started working with the federal student loan filing a discharge of loan due to school closure. Navient then without service of paper work filed a case against me and managed to get a lien to take all of my money from my bank account. No notice was given, I found out when I was checking my balance and seen no money and I called my bank. I then called XXXX XXXX and filed an excemption and had to wait 15 days to see if Navients attorneys would oppose it, they never did so my money was released but now I have to figure out how to close the court case against me. All this time Navient would n't speak with me and the attorneys would n't send me any documentation showing me why they filed against me. They were rude and irate with me.
Product: Payday loan, title loan, personal loan, or advance loan

I GOT AN EMAIL TODAY THAT SOMEONE WAS USING MY SEZZLE ACCOUNT THAT I OPENED BUT NEVER USED. 

I COULDN'T CHANGE THE PHONE NUMBER WITH MY EMAIL. 

THE EMAIL CHANGED XXXX TIMES TO XXXX DIFFERENT EMAILS AFTER I TRIED TO REQUEST THE PHONE NUMBER. 

IT SAYS MY PAYMENT STREAK HAS RESET. 

I HAVE NEVER USED THIS COMPANY. 

I NEVER BOUGHT ANYTHING WITH IT. 

THEY HAVE NO LIVE SUPPORT.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that my personal information on my credit report was not right my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.I never live at XXXX XXXX XXXX XXXX, TX XXXX or XXXX. XXXX XXXX XXXX XXXX XXXX, la XXXX please delete these addresses immediately as am a victim of identity theft.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX XXXX XXXX who fell on hard times. In XX/XX/XXXX I took out a title loan from XXXX on my XX/XX/XXXX XXXX XXXX XXXX to help with bills after my wife had to stop working due medical issues. I defaulted on the loan and my car was repossessed in XX/XX/XXXX. 

I'm not disputing the fact that they have the right to take and sell my car. 

My car was sold at auction on XX/XX/XXXX. I didn't receive a letter until XX/XX/XXXX saying when and where my car would be auctioned. I also have never received information on where my personal belongings from my car where. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX dba XXXX. The letter was dated XX/XX/XXXX. In the letter it said my car had been sold for just under {$10000.00} ( XXXX placed the low end of private sale of my car at {$13000.00} but I know they often sell well under value ). After the loan amount due, plus towing/storage and auction fees I was owed a refund of {$6700.00}. 

There was a number I was to call to " claim '' this money. I called on XX/XX/XXXX and was told the check could take up to 90 days to reach me. The number was for Select Management Recourses that shares a suite with XXXX at their headquarters in GA. 

I called at the 45 day mark to get an update and was told they had yet to receive the funds to cut me a check. I asked who had the funds and they refused to tell me. I asked to speak to a supervisor and was told that he was out of the office at the moment and would call me back. I never received a call back. 

I called on XX/XX/XXXX ( 83 days since the claim ) to make sure they had my new address. Was told I would have the check by the end of the month. 

Called on XX/XX/XXXX ( 90 day mark ) to get a tracking number for the check. I had been told previously it would be sent USPS with delivery confirmation and signature required. Was told the check had not been sent yet but should be received early the following week. 

Called back XX/XX/XXXX ( 99 day mark ) Asked for tracking number again, was told the check still had not bee cut, but that the appropriate department would be notified and it would go out the following day. 

Called back XX/XX/XXXX ( 103 day mark ) Told the same story as XX/XX/XXXX. When I informed I had been told that story the previous time she said she would look into it. She called back and said her supervisor would make sure the appropriate department cut the check. It would take a few days for the check to reach her department then a few more days for it to be verified and then finally mailed to me. 

I was also asked to stop calling so much. 

It has now been 114 days and I still have not received a check. 

Because of this I have been unable to register for a 6 month program I need to attend to help with my XXXX. I had to get a car with a high interest rate because I had no down payment. I have missed Doctors appointments because my wife needed the car for work ( her car died at the 40 day mark and we are forced to wait for this money to get a second car ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX {$330.00} XXXX and XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other bureaus
Product: Credit reporting or other personal consumer reports

I have submitted a request to removed or lock accounts. Today, Transunion contact me to provide new information. I have a Identity Theft report that I submitted to transunion and I am doing the same thing to XXXX  XXXX and Experian.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX