23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Description : Due to the current situation, we are trying to cut on expenses. Our Escrow payments for our Mortgage is one of them. We have reached out our bank WELLS FARGO to cancel our private mortgage insurance ( PMI ). We have received a letter from them stating that we have 3 options for this. XXXX. Wait until PMI is removed automatically until reaches the scheduled termination date. XXXX. Cancel PMI using original property value when the mortgage reaches 80 % XXXX. XXXX. Cancel PMI using a new property value showing significant improvements that increase value of property. 
We decided that only option 3 was suitable. To move forward with option 3, we, the homeowners, should order an appraisal through XXXX, which is the designated appraisal vendor. The price of the appraisals start at % XXXX for single families. 
Wells Fargo also stated that XXXX is an independent certified appraisal vendor who is not affiliated with the customer or them. 
My complaint is : XXXX. Why as a Homeowner we do not have the option to choose our own appraisal company. Wells Fargo is known for XXXX  business and we do not trust them XXXX. Why Wells Fargo does not provide to homeowners more then one appraisal companies. How confident I can be that XXXX is trustworthy company when there are no reviews, and no one video in XXXX XXXX. 
XXXX. Why is so expensive this appraisal when is usually no more than {$300.00}.
Product: Bank account or service

Fees charged are excessive are fraudulent. BB & T sent an email showing an item was unpaid, it was a CC payment. Looking at the statement it showed that another bank had removed funds and it failed by a few cents. I immediately put in another CC payment for a lesser amount so that the bill was paid on time. That transaction also failed so once again I put in another payment, that XXXX failed also. Come to find out the original email was wrong, the XXXX item was paid. This caused fees to rack up and for me to suspend any future deposits to the account. When I sent BB & t a message regarding these failures on I did n't receive a reply until weeks later and it was a typical canned response. I do not understand why you ca n't do the right thing for your customer and work with me. Also please communicate via email or if you must via postal mail. I do not have time to do the run around on the phone as I have a XXXX month old daughter that I am taking care of. I attempted to resolve this with them but they are n't budging and have reported the account to XXXX. All that was needed was a reversal of the fees charged, this is n't money they earned its ridiculous fees they made up. Had the original message been correct then the other fees would n't have occured in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry fromXX/XX/2018 Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry fromXX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am disputing charges related to my purchase made with XXXX XXXX XXXX using my Capital One Mastercard. There was an authorized charge that was made on credit card in the amount of {$700.00} ( original purchase made in the amount of XXXX XXXX ) billed on XX/XX/ 2019. I am not disputing this charge as the purchase receipt contains my signature ( see attachment ). And this charge was settled with Capital One. 

There was an additional charge of {$650.00} from the same merchant -- XXXX XXXX XXXX, on XXXX XXXX, 2019. This is an unauthorized charge to which I did not agree. The receipt provided by the merchant is not signed by me see attached receipt. I have reported this charge to Capital One requesting that it be removed from my account. Capital One has declined to remove these charges from my account. They have never explained to me why I should have to pay for a charge that I never signed off on. Instead, they require that I provide the following documents to settle my case : 1 ) Purchase agreement 2 ) Cancellation policy 3 ) Refund voucher. 

This is not a reasonable request, as these charges have not been authorized by me, and therefore have no associated purchase agreement, cancellation policy or a refund voucher. 

I request that the original charge of {$650.00} and the resulting interest charges be removed from my account. I have been in regular contact with Capital One since XX/XX/ 2019, and have been unable to settle this dispute. 

I am attaching a copy of my original statement showing authorized and unauthorized charges from this merchant, along with a receipt for authorized charges, and a receipt for unauthorized charges. 

I look forward to the resolution of this dispute.
Product: Credit reporting or other personal consumer reports

Transunion is reporting NON-MAILABLE ADDRESSES on my credit report. I have reached out to them several times regarding the matter via telephone and letter ( attached mailed on XXXX ), however the problem remains unsolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management Service Inc. repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account charged off. {$15000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Phone Number Unavailable Public Record XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX fcra violations not accurate informations XXXX XXXX Collection account. {$1900.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXXXX/XX/XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY fcra violations not accurate informations XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX SINGLE FAMILY XX/XX/XXXXXXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late fdca violations
Product: Mortgage

On XX/XX/XXXX, I opened a HELOC with Wells Fargo Bank with the terms being 10 years interest only and after the 10 years would convert to a 30 year fixed mortgage. On XX/XX/XXXX this loan became a 30 year adjustable rate line of credit not a 30 year fixed mortgage. 

On or about the month of XX/XX/XXXX, I contacted Wells Fargo to discuss what I agreed to upon taking this HELOC because I noticed the conversion was not what I agreed to because this is not a fixed mortgage what was presented at the time of conversion was {$120.00} dollars plus some change would go towards principal and the remainder would be interest. 

After speaking with customer service about XX/XX/XXXX payments being received before the XXXX of the month the due date of XXXX of the month was changed to the XXXX of the month which is something I did not request and charged more interest Wells Fargo changed the due date from XXXX of the month to the XXXX of month on this HELOC and charged more interest each month. The interest on this loan is not Fixed It's adjustable, the loan is still a Heloc but no fixed payments. 

I have never received any payments from Wells Fargo settlements monies they where applied to this HELOC without my permission and then reversed my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX FILE # XXXX .... I AM SUBMITTING THIS COMPLAIINT WITHOUT ANY INFLUENCE FROM AA 3RD PARTY OR AGENCY PLEASE SEE ATTACHED WHICH INCLUDES MY ID, FTC AND A STALL TACTIC LETTER RECEIVED FROM TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Chase account online, Chase showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from XXXX ). This inquiry should be removed from my credit report since this is Chases fault. They shouldnt be giving me offers if they will just reject my application.
Product: Debt collection

I am contacting you regarding the alleged debt collection activities conducted by your agency concerning an alleged debt in my name. I have verified that Midland Credit Management , Inc. is not licensed to conduct debt collection activities within the state of New Jersey, and I am therefore requesting that you cease all communications with me immediately. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my rights by formally requesting that Midland Credit Management , Inc. cease all contact with me, as well as any further collection activities on this alleged debt. Please be advised that under 15 U.S.C. 1692e, continuing to engage in debt collection activities without proper licensing in the state of New Jersey constitutes a deceptive practice. I also remind you of your obligations under 15 U.S.C. 1692d, which prohibits any conduct intended to harass, oppress, or abuse any person in connection with the collection of a debt. Please confirm in writing within 30 days that you have ceased all collection activities on this account and removed it from your records. Be advised that any further attempt to collect this alleged debt will be considered a violation of my rights under the FDCPA and could result in legal action. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did a identify theft report on me cause someone at the bank was using my name and social security number to open and close bank accounts
Product: Credit card or prepaid card

I had signed up to take training with tax lien wealth investors. They turned out to be fraud or something as they disappeared on me. I had XXXX recorded sessions and was supposed to have XXXX but the coach disappeared. In these recordings he actually says he does not even use the system i just bought. As well as had to ask him to turn down his tv cause I could not even hear him and he was not even paying attention to what I asked as he asked me to repeat after that. There is so much more prood i sent to the bank in prood that I have not gotten what I just spent XXXX usd. 
So I filed for a dispute and repeetedly refilled only to XXXX months ago being told they can watch video so I lost my dispute. 
The first dispute filed they took the money off the card. However after losing that dispute cause they kept asking for the contract and i sent what I had to sign but it does not state their responsibilities just a payment contract. They verbally told me of what the program will do for me. Anyway I lost the dispute cause they said they needed more information. So i reopen trying to send even more proof of emails and phone calls showing I was trying to get a hold on the company. Yet they open the dispute but kept the charges on my card and I paid interest on the money as I paid off the amount that should have just been returned cause this company is not giving as promised. 
Either way i continued to send more and more information for the past year over and over and XXXX months ago was told once again I lost the dispute becuase they could not watch the videos that clearly the coach tells me he does not even use the property edge program. Did not show up for our first appointment and late for the reschedule and next appointment. Please I need help to get this money back. Its not fair not only did I lose XXXX as of this date but also paid interest and think the bank should have really tried to help me with all the proof I have of being misled to get you to register in the first place to actually not being treated well and having to chase people and never even get the services I was supposed to have gotten. While they made it seem like are liens at this prices in the pics they never even accessed my finacial ability and creating a goal as promoised these are just the free training to get you to sign up i have sent as the recoreded coach sessions I would need your email as they are in my email. I really need help to get this money back onto my credit card at this point cause I have fully paid it off.
Product: Money transfer, virtual currency, or money service

I wired money to my coinbase account from my XXXX XXXX XXXX account. One {$2000.00} wire transfer and one {$3000.00} transfer. The money was stolen from my coinbase account and sent to someones XXXX  waller. I have called and reported several fraud and unauthorized charges with coinbase and was told there is nothing they can do. I was told to contact the beneficiary directly. I have not been able to recover any if my money especially when someone hacked my account and stole all my money
Product: Checking or savings account

XX/XX/year> I went to use my card and my account got frozen and I called they said they told me I had to physically go in and give them my id card but I physically can not because my cars broke done and I don't have any money to give my car bc my money 's in my frozen account I can't do anything I have no one to take me to the back no money for a taxi and I live 28+ miles from the nearest Wells Fargo I just need my account unlocked is there an email I can send a photo of my id too that's gon na be the only way I can get into my account
Product: Debt collection

I have attempted multiple times to obtain debt validation and have received no response. Most recently i finally filed a report, which they closed saying they would finally comply with the law and attempt to validate the debt. 

This company in response to a previous cfpb complaint finally agreed to send the " validation '' which appears to be a typed up receipt on a XXXX document. This company should know the law! They must submit proof that this is my debt. I have not received any proof that this debt is mind and therefore demand that this company immediately cease and desist all collection activities and provide proof of the debt. 

Unfortunately this company has voilated the law already by not responding within the 30 days mandated by law. This is grounds for removal. I demand this company abide by federal law and remove this erroneous record from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a Fax to Early Warning Services requesting a copy of my consumer file, because I had been denied a new checking account at XXXX XXXX XXXX XXXX. I received my file and immediately noticed a problem- an old XXXX XXXXXXXX XXXX checking account had been reporting as " Closed for Cause '', and XXXX XXXX explained it is a negative account status that is affecting my ability to open a new account. Early Warning Services has the meaning of " Closed for Cause '' clearly stated within the consumer profile, defining it as " the account was not handled in a manner consistent with bank policy ''. However, I was a long time customer of XXXX XXXX XXXX and did not have any poor history with them. On XX/XX/XXXX I Faxed a letter to Early Warning Services reporting the inaccuracy. I have attached the Fax Confirmation from the XXXX store showing it was successful. After not hearing from Early Warning, I called them directly on XX/XX/XXXX and spoke with XXXX. XXXX confirmed receipt of the XX/XX/XXXX fax and said they were still investigating, and that they have 30 days. The Fair Credit Reporting Act states that disputes must be answered in 30 days or the item is required to be removed. I waited well over 30 days to call again to give Early Warning Services ample time to complete the investigation and contact me. On XX/XX/XXXX I called Early Warning a second time and spoke with XXXX. She confirmed that the notes on XX/XX/XXXX state the document was confirmed received, but she had no update on my case at all. She escalated to a Supervisor and said that a supervisor named XXXX would call me in 24-48 hours. I never received a phone call, and at this point I am tired of calling E.W.S. They have broken the law and have been giving me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/18 One Main XX/XX/18 One Main XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX   XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Equifax because a company did not report monthly to update my account balance. I received my updated credit dispute results dated XX/XX/18 indicating there is still a balance on the stated account. I contacted the company to let them know that for some strange reason they continue to report the balance despite my screen shot of the account demonstrating a {$0.00} balance, and documented payment ( hoping for their cooperation in accurate reporting ). I'm waiting to hear back from them, but they already said to dispute, which I already did. In XXXX, my Equifax showed a {$0.00} balance so I thought the dispute was resolved by then but somehow on XX/XX/18 the dispute was finalized and updated with a balance of over {$530.00}. I have multiple forms of documentation indicating a XXXX balance, yet Equifax continues to report a balance. Further, XXXX XXXX took my documentation and reflected the balance to be XXXX which is accurate.
Product: Credit card or prepaid card

This banks new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Such policies, should not be endorsed by our federal government, which instead should do business with companies that respect all of our constitutional rights, including the Second Amendment. Our federal government should take all necessary steps to review and terminate its contract with Citibank unless they rescind their guidelines.
Product: Credit card or prepaid card

On XXXX XXXX my card.com premium bank account card was charged {$38.00} I had already canceled my XXXXXXXX XXXX policy and called them XXXX XXXX issues the payment back to my card but card.com premium bank account card stopped the payment and told me I have to file a dispute for what reason I really dont know I gave them the Transaction # but they refused to look it up saying I just need to file a complaint and wait the XXXX days I already been waiting since XXXX its XXXX so they telling me to wait until XXXX for them to try to issue a refund of my own money I have been calling and they telling me hold on and has hung up on me over 30 times I just want my money back from this card company!
Product: Debt or credit management

XXXX XXXX XXXX did not provide evidence of working with my insurance company, in XXXXXXXX, to resolve a payment. 

They just sent it to a debt collection agency.