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

Regarding the XXXX XXXX ordered settlement. For four years I have demanded my court ordered check. 
Case Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case XXXX XXXX XXXX Last location XXXX New York. Never responded, but XXXX knew he was in the basement. Never returned my call. The Company who he worked for know his where abouts. In this letter it states " We will reopen your file. '' This man never did. XXXX XXXX XXXX also never assisted in the resolution of my dispute. THIS CRIMINAL BEHAVIOR IS STILL PRESENT TODAY. 

THE SETTLEMENT ADMINISTOR XXXX XXXX XXXX XXXX, MN XXXX LIED TO ME ALSO. 
MY COURT ORDERED SETTLEMENT NEVER ARRIVED. 
XXXX XXXX also stated, " THERE is a " HUGE PROBLEM. '' XXXX XXXX 'XXXX  XXXX ' XXXX OFFICE LIED! I SUPPLIED MY AZ. MARRIAGE DOCUMENT ( 2 TIMES TO THE XXXX XXXX WELLS FARGO MANAGER ON DUTY. HE FAXED THEM WITH COMPLAINTS TO THE EXECUTIVE OFFICE. 
IT ONCE AGAIN WELLS FARGO THAT DOESN'T KNOW WHERE I AND MY HUSBAND RESIDE. 

I AM VERY TIRED OF THE ABUSE! THESE PEOPLE SHOULD BE PROSECUTED! 
TO HAVE TO BE INVOLVED IS THIS ACTIVITY YEARS ON END IS ILLEGAL. 

I WANT MY COURT ORDERED XXXX SETTLEMENT CHECK. I WANT THE CFPB TO PROSECUTE THESE UNKNOWN INDIVIDUALS. THEIR STATE LICENCES NEED TO BE REVOKE BECAUSE OF CONTINUAL LIES AND EVADING FORMER CUSTOMERS WHO HAD TO LEAVE CRIMINAL ACTIVITY. 

PLEASE NOTE THAT ONCE AGAIN ANOTHER PERSON HAS TO RESOLVE ALL MY CONTINUAL COMPLAINTS OF FRAUDULENT ACTIVITY. XXXX XXXX AND THE BOXES OF INDIVIDUALS THAT ARE ALSO INCAPIABLE. THIS IS ABUSE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian has failed to provide results of my investigation on the following items : 1. XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. They even dropped a court case against me when they realized that they could not prove this account was actually opened by me. I started disputing this account back in XX/XX/XXXX, but XXXX   and Experian said they verified the debt. How is this possible when the original creditor could not verify the debt. My last letter in XX/XX/XXXX yielded no response from XXXX  and Experian to this issue. 
2. XXXX XXXX XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. 
3. Unverified Inquiries - I asked them to verify this inquiries were created by me by asking the creditor for my signed application. None of these creditors could provide me with a signed application. Yet, Transunion says they verified these inquiries. 
I did not create these inquiries : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX According to the Fair Debt Collection Practices Act, XXXX has broken the following statues : 1. Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I never received the following from XXXX, yet XXXX  is reporting them on my credit. 

2. Failing to follow debt dispute procedures 3. Failing to conduct a reasonable investigation my dispute 4. Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX, I was contacted via my college email for an online job opportunity. I had assumed that this was a real business and that there would be no harm in joining this online business since I was contacted with my school email. Unfortunately, I was wrong. XXXX XXXX, XXXX, the employer, scammed me. He presented as a manager for XXXX 's Online Service Department. My task would be to handle customers ' order and ship their packages to their mailing addresses. In addition, I was promised to be compensated, weekly. The business started with me receiving a check, to deposit into my account and the employer, XXXX XXXX accessed my Zelle, XXXX, XXXX account. He made transactions on my accounts, sending out my money to his " suppliers ''. I did not authorize these transactions and I am seeking my money back. I wasn't aware of this until Thursday and tried to call him. He did not pick up nor return my calls. 

I came to find out that the check that was sent to me was fictitious. I was not aware of this until yesterday when I spoke with a representative from XXXX XXXX  regarding these unauthorized transactions. In addition, I just found out that the check ( when you zoom in closely ) states it is a voided check. I would like for you and your team to do further investigation on this individual, and all other parties involved should be held accountable. Please help me receive my full money back. I have provided a couple of documents as proof of this incident. If additional evidence is needed, I can provide it, such as text messages and transactions made. I was able to dispute my claims with XXXX and XXXX and will be funded on XXXX. I need your assistance to have Zelle refund me the stolen money. Thank you
Product: Student loan

Navient calls several times per day, leaving messages about my account being past due. Checking my account status shows it is not. If I answer the calls, Navient hangs up immediately. I have sent email about this and tried to call back, but after 15+ minutes of trying to get an agent, I give up.
Product: Credit reporting or other personal consumer reports

I downloaded the Experian app and the information for customer service is scamming me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at the company. I am not sure how the alleged debt originated, I am a victim of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires that does not belongs to me please see the list : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX
Product: Mortgage

I was in communication with a loan originator at XXXX XXXX ( NMLS XXXX ) regarding a refinance of my current mortgage loan. After a brief phone call, they provided me with an online application to complete for the refinance. AFTER they pulled my credit and harvested all of our personal financial data, as well as wasted 30 minutes of our time completing the application, THEN they told us they don't even do lending in our state. Has to be illegal for them to pull our credit and take all of our financial information without informing us that they don't even service our state first.
Product: Mortgage

I inadvertently missed my XX/XX/XXXX payment on my mortgage. The amount was {$1800.00}. It came to my attention after XX/XX/XXXX, so on XX/XX/XXXX, I called XXXX XXXX XXXX at their customer service number ( XXXX ) XXXX and spoke with a representative. I made three ( 3 ) payments : One for {$3600.00} for the months of XX/XX/XXXX and XX/XX/XXXX ; and one for {$1800.00} for the month of XX/XX/XXXX. For convenience sake, I made the {$3600.00} payment utilizing checks drawn from my credit card account, which were secured by XXXX XXXX XXXX. When I made this payment, I specifically advised the representative that they were credit card checks, because I was mindful that mortgage companies do not accept credit cards. The representative specifically advised me that the payment method was acceptable. Now, XXXX XXXX XXXX has, after the fact, rejected the credit card check payments. It has furthermore registered my account as delinquent by two ( 2 ) payments, and is making us pay the next six ( 6 ) months via certified funds. This has resulted in tremendous extra cost to me, and will result in extensive additional time, effort, energy, and cost moving forward.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with Dignifi Financial back XX/XX/XXXX, the loan was due with the final payment on XX/XX/XXXX. However, I have paid all of the loan with the exception of {$75.00}. This {$75.00} represent NSF fees. However, it was not my fault. Unfortunately, I was trying to make the payment with a different payment method, other than the default method but it automatically diverts back to the payment method that I did not choose. I have asked Dignifi to waive these fees. However, they have refused to do so. I don't think that it is fair, when their system is the problem. Again, this loan was not due to be completed until XX/XX/XXXX. I paid it off early.
Product: Bank account or service

Hi Sir/Madam, I am writing this letter regarding Chase bank closed my banking accounts and credit card account recently. I opened XXXX banking accounts ( checking and saving ) XX/XX/XXXX and a credit card XX/XX/XXXX. Now all of them are closed by Chase. The reason Chase stated is that I forfeited my Chase points. 

I am very angry with this right now, 1 ) I have n't used Chase for a couple of years. XX/XX/XXXX my credit accounts were closed by chase without any reason, after that, I have n't used chase bank and any their points. 

2 ) I opened banking accounts and credit account successfully through branch and online. There is no problem at all in application. However, Chase closed all my accounts in one month after application, which had bad impact to my credit report and wasted me a lot of time in setting up accounts. From my experience, if bank is not satisfied with my credit, it should n't pass the application at all. I am very confused by Chase 's behavior. 

I hope CFPB can help me solve the problem, keep those accounts, and help me build new relationship with Chase. 

Thank you very much! 

XXXX XXXX
Product: Credit card

Plus Finance account ending in XXXX. 

I have had money issues, it's no secret. I have attempted to make my payments and yes some have been returned. Plus Finance has now prevented me from making on time payments by disabling my ability to link my only funding account to make electronic payments. So I have had to resort to sending them a physical check from this account. Issue is by the time they post the bill, I'm unable to mail them a check fast enough from my financial institution before it's late and I owe a late fee. 

I have called them multiple times and even asked to speak with a manager for them to tell my I have to go into my bank and have them mail them a piece of paper stating my account is still good before they will lift the restriction. My bank, XXXX, is a XXXX XXXX that does not have branches. I have called them and they do no mail out this " letter '' Plus Finance says is required. 

This is a violation of fair lending. They are preventing me from making on time payments from an account they are happily cashing checks from late because now they get a late fee of {$40.00}. 

I would like my account restored and my late fees reimbursed for the fees that were caused after they applied this restriction.
Product: Mortgage

I am a victim, along with what I suspect to be thousands of others, of mortgage/lending fraud perpetrated by large domestic and international companies. In essence, these companies are collecting money, and foreclosing on homeowners as though they have legal standing, but they do not. In my case, according to the Assignment filed in the County records, my Security Deed was supposedly transferred from ( Assignor ) XXXX XXXX XXXX, XXXX BY IT'S ATTORNEY IN FACT XXXX XXXX, XXXX at XXXX OCWEN LOAN SERVICING, LLC to ( Assignee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SERIES XXXX, UNDER THE POOLING AND SERVICING AGREEMENT DATED XX/XX/XXXX. ( Please see Attachments A1-3 ). According to the filed document, this transfer took place first on XX/XX/XXXX and a Corrective Deed was filed on XX/XX/XXXX. But the cutoff date of submissions to the Trust was XX/XX/XXXX. And the closing date of the Trust was XX/XX/XXXX. The Pooling and Servicing Agreement/Prospectus which is visible on the XXXX  website, states that no loans can be assigned to the Trust after the cutoff date. I alerted the companies involved and the foreclsing attorney firm of their blatant illegal intent and action of foreclosure. They ignored me. And I was foreclosed on XX/XX/XXXX illegally. They have knowingly and willfully several federal and state laws : ( RESPA ) 12 U.SC. 2605. On XX/XX/XXXX, XXXXa letter from my servicer at the time, XXXX XXXX XXXX ( Attachment B ) informing me that the Assignment to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Series XXXX had already taken place. That was in XXXX. How could it have taken place in XXXX? Further, there was no XXXX XXXX XXXX, XXXX in XXXX as indicated on the Assignment dated XXXX XXXX. That company was defunct in XXXX or XXXX. Also, that same Assignment was robo-signed by the known robo-signer XXXX XXXX, who initialed everyone 's signature ( fraudulently ) on the document. They are also in violation of ( TILA ) - Title 15 U.S.C. 1641 ; Dodd-Frank Wall Street Reform and Consumer Protection Act ; Title 18 U.S.C. 1344 ; Title 18 U.S.C. 1001 ; Title 18 U.S.C. 514 ; Title 18U.S.C. 1341 ; Title 18 U.S.C. 472-474 ; Title 18 U.S.C. 495 and numerous State of Georgia and State of Florida laws governing their wrongful conduct.
Product: Debt collection

Someone called and stated they were a debt collection agency and that XXXX sent them my debt for two hundred and something dollars. I paid XXXX for 1 year worth of Auto insurance up front a few months ago. So there's no way I owe them a debt. I was also never contacted by XXXX or received any mail from XXXX.
Product: Credit card

My flight was cancelled by XXXX  last minute. I had to book a hotel, XXXX, food, and flight. This should all have been covered by the travel insurance. I have submitted everything. I should have been paid within XXXX days and its been OVER XXXX months. I have submitted all the proof several times and they are not paying me back.
Product: Mortgage

1. In XX/XX/XXXX I decided to pay off the mortgage loan with Chase Bank.

2. I first made my usual payment for XX/XX/XXXX on the XX/XX/XXXX.

3. Then I started a series of extra payments until I reached the payoff amount.

4. I found it very strange that the balance never went to XXXX  as I expected.

5. XX/XX/XXXX I went to the bank to resolve this. Met with XXXX XXXX who said that the issue is that they deducted interest for XXXX and XXXX from the one {$50000.00} payment. This is an issue because the balance on XX/XX/XXXX was {$4000.00} and on XX/XX/XXXX the balance was {$1100.00} 6. The 2 extra interest payments were for {$570.00} and {$570.00}, which explained why the balance never went to XXXX, as it should have. 

7. This was escalated and given a Reference # on 2 different instances : a. Reference # : XXXX b. Case # : XXXX ( Pay off dispute request ) 8. I called several times without any luck getting this cleared up. 

9. On the last occasion I got an individual who told me that in order to get reimbursed for any over payments I would need to close out the account. Then the mortgage dept at Chase would calculate the amount to reimburse me. 

10. We closed the account on XX/XX/XXXX. Then I got reimbursed for {$0.00} on XX/XX/XXXX. I called and told them it was an error and I was owed the interest I paid for XXXX and XXXX, but they said it was too late because the account was closed. 

13. My request is they re-determine the balance if the XX/XX/XXXX was all applied to principle and not a future interest. The XXXX and XXXX interest should be XXXX since the loan was completely paid off by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has created a unauthorized account using my information and admitted to doing so but wont come up with a remedy for their deceptive and fraudulent practice. They claim they would send me to mediation but never got back to me. Also they know I have only 2 years left before the statue of limitations comes into effect for this problem. Ive reached out 3 different ways and have it all documented and receipts. An I also have proof for what they have done.
Product: Credit reporting or other personal consumer reports

AARGON COLLECTION AGENCY has failed removed the false information they have reported on my credit reports. Pursuant to 18 USC 81 8. I owe no debt. The company is violating my consumer right to privacy pursuant to 15 UFC1681 b. Company has also NO permission to report anything using my information pursuant to 15UFC 1681 4. According to the FRCA 15 USC 1681everthing must be 100 % accurate. They have also updated my credit report with inaccurate information an improper investigation of added account. Have not provided No proof of Alluded collection so should not be reporting the false information they have reported to all three credit burews. Have also failed to remove account from all my credit reports as I requested several times.

They have also broken numerous laws as listed below : 1. Investigative consumer report 2. Improper investigation of disputed account ( AARGON COLLECTION AGENCY ) 3. PROVIDE PROOF OF VALITATED ALDEGED DEBIT 4. REPORTING INACCURIATE INFARMATION ON COSUMER CREDIT REPORT 5. INPROPER USE OF CREDIT REPORT 6. VOLATION OF THE FAIR CREDIT REPORTING ACT 7. VOLATION OF THE FAIR DEBIT COLLECTION PRACTICES ACT 8. DEFAAMATION OF CHARACTER
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$6100.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXXXXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$6100.00} is shown as XXXX  % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past due amount of {$6100.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX operates a Business thru XXXX selling religious items online, I ordered over {$400.00} in religious and medicinal items and sent payment as requested thru XXXX, the items were never received and this person does not answer the phone and has blocked me from XXXX. I need help recovering some Of my money I dont know what else to do since I ha e tried contacting this scammer and he does now refund me my money.
Product: Vehicle loan or lease

at end of lease, turned vehicle in at XXXX XXXX, XXXX calfornia. car was in perfect condition. 

Dealer claimed vehicle to be in " great condition '' subsequenlty, BMW financial services charged me {$400.00} for undescribed " excess wear '' Tried to contact BMW financial, no success. 

at beginning of lease, had purchased policy to cover " excess wear ''