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

Hello. I submitted an external transfer request from my Citi savings account on XX/XX/23, which I then immediately canceled. Prior to cancelation, I confirmed that if the transfer were to be canceled prior to XXXX, then there would be no debiting from my account and no money movement would occur. That was not the case. Nearly half of my savings was in the " pending '' status for TWO WEEKS! I called Citi multiple times, and nobody was able to help me. After physically going into a branch, they submitted my case to an investigation team. 

The issue with this is : 1 ) The money should have NEVER been debited from my account 2 ) I did not have access to HALF my life savings for nearly TWO WEEKS! I need access to the funds to make a very important business decision. Now, I am late on the investment and am dealing with multiple monetary/logistical issues. 

This should have never happened, and I was never given a reason as to why my money left the account and was pending without explanation for half of XXXX XXXX. This is not fair to me and is incredibly unjust. Since the bank is not willing to help me, I figured it would be best to reach out to you to offer me assistance. I would like accumulated interest returned to me for the two weeks this large sum of money was " pending '' for.
Product: Mortgage

Freedom Mortgage has consistently sent letters suggesting that I can lower my mortgage rate by refinancing since XXXX. In late XXXX XXXX XXXX I spoke with someone at the company about the process and what would be required to refinance from an FHA loan into a conventional loan. I was told it was a simple process, would not require much work on my end and we could close in XXXX. 

When I started the process in XXXX the employee who originated the loan overvalued my house. We were not told that we would have to have an appraisal done- in fact the original person indicated we could have an appraisal waived. 

Since XXXX we have sent in document after document and theyve been lost by Freedom Mortgage every single time. I've had multiple people assigned to this loan and no one can give me clear answers on what's going on with the loan. 

Because the originator overvalued our home and the appraisal came in " under value '' we were contacted by Freedom Mortgage letting us know that this would cause some issues with the loan and it might be better to just restart the process. After confirming that it might not be that big of a deal and would only impact escrow we moved forward with the original loan package. It was once again, reassigned. 

During this time we've been repeatedly asked for documentation showing that we have cash to close, despite repeatedly telling Freedom Mortgage we were interested in rolling that into the loan itself. We are now almost three full months after this initial process and we are once again being told that we have to provide documentation and cash to close - even after signing paperwork that rolled that cash into the loan on XX/XX/XXXX. I have tried to contact managers, consumer advocates, the loan originator on file and have not received timely responses or answers regarding why this package is so messed up or whats going on. It does not seem as if Freedom Mortgage has lenders that are truthful or if they even know what's happening with our loan. They consistently lose documents, have not honored the loan package we were sold, have not communicated the why behind the loan we are being sold, selling us this experience as an easy and fast process that will lower our monthly payment and at the end of the day I may not even be able to complete this process because of their inability to do their job.
Product: Bank account or service

My XXXX-year-old son and I were reviewing the transactions in his Wells Fargo savings account ( which is linked to my account ), since we were puzzled by the low balance. He insisted that he had not made one of the ATM withdrawals that was shown, although it was the ATM that he usually goes to. I called Wells Fargo, and they said they would look into it. A day or two later, I received the attached email saying that the investigation was complete and that they had " determined that an error did occur. ''
Product: Checking or savings account

Navy federal charges me overdraft fees when I was not late paying my payments
Product: Credit reporting or other personal consumer reports

I have not been too interested in my credit before now that I am upon reading my cred report I have found serveral fraudulent account and serveral hard inquiries on my report which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX also serval hard inquiries which includes XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the fraudulent information from my reports.
Product: Debt collection

I received a notice in the mail onXX/XX/XXXX, sent from ACE Cash Express , Inc on XX/XX/XXXX, claiming I had " cashed the following check ( s ) identified at our place of business. However, upon the checks deposit and presentment, the financial institution refuse to honor payment. Since we have been unable to reach you, we request that you contact us promptly at XXXX XXXX XXXX XXXX XXXX to  resolve this matter. Failure to resolve this matter may result in additional actions. '' It's then listed check number XXXX, dated XX/XX/XXXX, maker listed as bill pay check multiple makers, for the amount of {$270.00} plus a fee of {$30.00}. 

Upon calling to inform them that I have never been to their establishment my entire life nor have I received a check in any form in the past 3 years and that there was no way that this could possibly be for me, I was then transferred to XXXX XXXX, the name listed on the notice. She seems confused over the error, and on three different occasions requested that I verify the last 4 digits of my social security number. She also claimed that all of the information including my address and my name were correct but it appeared my social security number might be off. At a different point she requested my full social security number and asked me to verify my middle initial. She then said that she was going to have to work with her manager to figure out what the problem was and would get back to me in 2 to 3 days. 

Return address on the envelope is XXXX. XXXX XXXX XXXX, TX XXXX
Product: Mortgage

Wells Fargo has acknowledged receipt of all documents to make a complete package as of  XX/XX/XXXX . I have continued to recieve " missing documents '' letters even though my agent is calling in every 48 hours. On  XX/XX/XXXX  she was told this was submitted to investor for approval, but as of today she was told it was not submitted, there has been no movement on the file, and there are squatters that continue to enter the home which is a problem. We have a buyer who has offered a price that the bank has said they will accept, but as an FHA file, my agent tells me we are needing a doc called an ATP ( approval to participate ) and no one at Wells seems to even be aware of this document or even the process. They have told me there are no timelines they have to abide by and this CAN NOT be correct.
Product: Debt collection

Someone stolen my identity and now there are unauthorized accounts on my credit report that I have no knowledge of. My ssn was compromised while I was away overseas. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my pay pal security was breached and my credit card information was stolen.XXXX  in purchases were made by four people in 4 different states. 
This is the 2nd time this happened to me using PayPal after the XXXX XXXX XXXX  in XX/XX/XXXX, PayPal said to get 2 step authentication to make sure my information wasn't stolen again. I did ; and on XX/XX/XXXX, it happened again.
Product: Debt collection

On XX/XX/XXXX, I paid off the account in full to the original creditor. During this phone call, the original creditor informed me that they will close the account with the debt collection agency. 

On XX/XX/XXXX, I called the original creditor regarding the account closure because I will still seeing the debt on my credit report. During this phone call, they said they had emailed the supervisor of the collection agency on XX/XX/XXXX to close the account and that the collection account will be closed soon. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account. He informed me that he needed a formal confirmation from the original creditor in order to close the account. I placed the supervisor of the collection agency on a 3-way phone call with the original creditor and myself. During this phone call, the supervisor told the original creditor that no communication has been received from the original creditor regarding this account while the original creditor claims she has submitted it. The supervisor of the collection agency explained the process by which the original creditor must take to close the account and both agreed to take the necessary measures to move forward in the closure of the account. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account even after the phone call on XX/XX/XXXX. 

On XX/XX/XXXX, I called the original creditor and asked to be directed to the woman who handles account closure but got her voicemail twice. On the same day, I spoke to another representative of the original creditor who told me the account has been closed as the debt has been paid off. She further suggested that I just needed to call the collection agency and tell them that the debt has been paid off to close my account. I reminded her that I had done so and kept getting nowhere as the communication for closure needed to occur directly between the original creditor and the collection agency. 

Please help me resolve this situation. I paid off my medical debt and just want this off my credit report. I'm not sure how to resolve this situation where the debt has been paid off, but the collection agency refuses to remove the account until the original creditor close it, while the original creditor claims they already closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a correspondence from Synchrony Bank stating, " we do not have enough information to research your inquiry. Please provide the name of the retailer or merchant and a copy of your credit bureaus report showing the inquiry. '' The correspondence also incorrectly spelled my name, clearly demonstrating the continued negligence and lack of accountability on the side of Synchrony Bank. 

The merchant is Synchrony Bank XXXX XXXX XXXX XXXX. My name is spelled XXXX XXXX not XXXX XXXX, as mentioned to your department multiple times. Also, the XXXX and XXXX credit reports with these inquiries have been attached for your reference. The agent who picked up the phone at XXXX said that they were unable to help at this time because there is no account open with your organization under my social security number. Your organization has been useless in helping and has been illegally pulling people 's credit reports without their permission or legal cause.
Product: Mortgage

I purchased my home in XX/XX/2017. My home 's value went up since closing. I financed it from Wells Fargo. According to Wellsfargo home mortgage website I am able to cancel your PMI earlier, based on its current value. I called Wells Fargo mortgage department to get more information about how to cancel my PMI. I was told that if my homes value is more than {$300000.00} I am able to cancel it. I was also told that I need to get a home value assessment to confirm its value. 
I filled out the necessary papers and pais {$200.00} for the assessment. They sent a broker for the assessment. The broker assessed my homes value around {$340000.00}. 
I called Wells Fargo to learn when the PMI is going to be cancelled I was told that I am not qualified for cancellation because I havent done any significant structural improvement. 
When I called them at the beginning they never told me that I had to do structural improvement. Now, they are telling me that I have to do around $ 27K improvement in order to cancel the PMI. 
I was misguided by Wells Fargo website and its customer service representative about canceling PMI. 
Later, I called they customer service for a resolution and created a case number more than a month ago. No one called or emailed me regarding my complaint. I called several times their customer service to find an answer but no answer.
Product: Debt collection

These people and other collection agencies keep on collection on debts i do not owe!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed my FTC identity theft report to Transunion via Certified mail they received my document on XX/XX/XXXX. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report XXXX I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation on XX/XX/XXXX which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA.
Product: Credit reporting, credit repair services, 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 XXXX XXXX : # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  : # XXXX, Account name XXXX XXXX : # XXXX has violated my rights.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failling to forward consumer-provided evidence to fumishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These fallures align with my experience, where Experian has neither corrected nor removed
Product: Credit reporting or other personal consumer reports

Dear equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX 1. THERE NO NOTICE OF DISPUTE its there now 2. Different last payments from XXXX XXXX EQ. XXXX XX/XX/XXXX & EQ XX/XX/XXXX. Two different DATES 3. The payment history have no late payments so the account status is incorrect. 
4. LATE PAYMENT STATUS ON EQ SHOWS 60 days late BUT THE ACCOUNT WILL STILL BE INCORRECT CAUSE XXXX REPORT 90 days late. 
5. DIFFERENT OPENING DATES : XXXX HAS XXXX EQ HAS XXXX. Wrong information 6. Remove account due to incorrect or inaccurate information FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation 5 Want ACCOUNT removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 

LAW 1. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

LAW 2. 15 U.S.C 1681 section 602. A States I have a right to privacy LAW 3. 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions LAW 4. According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} LAW 5. Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

LAW 6. To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Thank you
Product: Student loan

I have disputed these accounts and have sent letters to the bureaus and companies and no one will help me resolve my problems.
Product: Credit reporting

Please have Equifax remove XXXX off my file. They arte collecting for XXXX and has been on my file before as XXXX- XXXX dollars. XXXX has also had several companies to report this item with the same XXXX balance. Account not known to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$68.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$68.00} ( XXXX XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : XXXX  ) XXXX Balance : {$130.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.