23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a letter to XXXX XXXX on XX/XX/XXXX to cease efforts to me on my default credit card due to my disability, telling them that I intended to file for Bankruptcy chapter XXXX. My disability is XXXX  XXXX, and a XXXX  XXXX  turned to XXXX. I fell into a deep XXXX and have not filed yet. Part of my problematic state of mind was due to having been damaged by a surgeon during a total XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX  XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX since this in XXXX of XXXX. Unfortunately, I opened the Citibank  account when in an affected state of mind in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. 
On XX/XX/XXXX a company purchased my debt from Citibank  and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX The company taking this action is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 
I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. 
The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.
Product: Prepaid card

XXXX XXXX, offered this card directexpress debit mastercard to put my social security XXXX payment on on the XXXX/XXXX/15 I made a transaction on a XXXX atm machine of {$160.00} witch would of left me {$110.00} something on my mastercard a couple of days went by and I call directexpress card XXXX and the amination service said something was wrong with my card and I had to talk with somebody but the amination said they were to busy to check online to see your account and tranactions when I did all it would let me see is a fraud problem and my balance of XXXX cent something like that it would n't let me see the transactions so all I know at this time is my card was stopped and cant get a hold of directexpress XXXX so I finally got throught by XXXX of there numbers they said they put a fraud alert on my card and ask me about a international transaction of {$47.00} something and a {$42.00} something transaction with a marketing place I think called XXXX that 's all the info they would give me I asked directexpress why I could n't see my transcation online but ownly you can no explanation I said I did n't authorized these transactions all they said is they have n't went through yet call back in two days but I did n't wait I called the next day in the evening time and fond out they let the transaction go through and I had to buy a nother card because I receive a new XXXX cause of the XXXX store scam with I never asked for, so I had to buy this card and file a complaint to get my money back from this international transaction that I have NO INFO TO PUT DOWN ON THIS COMPLAINT I ASKED FOR A TRANSACTION STATEMENT TO BE MAIL WITCH IS 5 DAYS or more but three weeks before that I ask for my account info in the mail never received and I do n't no if it is coming now XXXX/XXXX/15 and if this international transaction market place say I authorized this I lose my money witch they did to me two years ago I lose a {$100.00}. I had to send this form your wed page is expiring
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Equifax several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. Ive also reached out the XXXX XXXX of XXXX XXXX who has stated they DO NOT VERIFY ANY INFORMATION WITH CREDIT BUREAUS. Since this is the case, its obvious that Equifax has not conducted an Investigation and has violated my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Paid Closed Acct # XXXX XXXX XXXX XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Repossession, {$4400.00} 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
Product: Checking or savings account

One of the owners died Bank of America put hold on account. Went into the bank with XXXX year old father in law to fill out L8 to have hold taken off. Went through legal department and hold was released. Next day hold was back on. Bank of America always hard to get in touch with and never resolves problems. On the phone with customer service for over an hour transfer 3 times and STILL not resolved. Now have to go in for ANOTHER Appointment with XXXX year old father in law. They make banking hard for the elderly. He needs fund released to pay funeral expenses. Now Bank of America has different story of what needs to be done. Cant get in touch with a manager or upper level employee to get resolved in a timely manner.
Product: Payday loan, title loan, personal loan, or advance loan

Santander Bank will not allow me to payoff loan online. It will ask me to provide external account and it will take up to XXXX hours to verify account but it never does. Does not allow me to even adjust my current monthly payment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) I have been impacted by XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ( ID Theft XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX XXXX : # XXXX, Balance : {$5500.00}, Open Date : XX/XX/year> XXXX XXXX : # XXXX, Balance : {$9200.00}, Open Date : XX/XX/year> I have attached to as well : XXXX Data Breach Impact Notice ; NC government-issued ID ; Utility Bill ; Identity Affidavit ; FTC Report XXXX Self-Attestation Form ; Affidavit of Truth. 
ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Breach, as I am a consumer along as being a rewards member of XXXX, has affected my business credit report, as i just found out about the XXXXXXXX XXXX I am seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted XXXX agencies to assist me with this matter. My consumer rights have been tarnished and violated. Trans Union has reported the negative information on my credit file without my consent. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Trans Union nor the reporting Furnisher ( XXXX ) has provided documentation. This raises serious concerns about Trans Unions compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately, remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate. XXXX XXXX XXXX Candidate
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXXXXXX XXXX XXXX  and would like all accounts mentioned to be blocked and deleted pursuant XXXX XXXX XXXX ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was working with a Bank of America mortgage lending specialist to purchase a home. I provided him with all my relevant financial information including my somewhat unique student loan debt situation. Bank of America had a unique grant program that provides up to {$17000.00} in closing cost assistance. 

I was pre qualified for a {$330000.00} mortgage to buy a post-foreclosure home owned by HUD. I informed my BoA mortgage lender, XXXX XXXX, that we were bidding on the property. And informed him when we were accepted and entering a contract to buy. After I placed my earnest money deposit down Mr. XXXX informed me that the underwriter was having issue approving my loan because of my debt to income ratio. I then called him to figure out ways to adjust the mortgage product to fit the underwriting requirements. Mr. XXXX told me he was having technical difficulties and would call me back. He then contacted me two hours later informing me it would not be possible to BoA to give me a home loan on my selected property. 

Under my contract with HUD, I need a wet signed denial letter from the lender in order to cancel the home buying contract. Neither Mr. XXXX nor his co-workers have provided me with this denial letter. We informed Mr. XXXX we needed a wet signed denial letter on approximately XX/XX/XXXX or XXXX, 2020. Today is XX/XX/2020 and I still don't have a wet signed denial letter. Therefore, I still have not been able to cancel my contract nor have my earnest money deposit returned to me. Neither Mr. XXXX nor his supervisor XXXX XXXX have been helpful during this frustrating process. 

Lastly, all of this has been frustrating and unacceptable. My financing for a home was denied based on information my mortgage lender had before I was pre qualified for a home. And that same mortgage lender has not provided me the necessary materials to cancel my contract and have my earnest money deposit returned to me.
Product: Checking or savings account

1. On XX/XX/2021 I withdrew {$700.00} from my BBVA checking account to fund a {$690.00} transfer ( plus {$5.00} transfer fee ) by means of BBVA " XXXX '' money transfer system. 
2. On XX/XX/2021 the transfer was not sent and BBVA, in an attempt to correct the failed transfer, withdrew {$700.00} from my checking account instead of depositing the {$700.00} back. 
3. On XX/XX/2021 the recipient of the transfer alerted me to the situation that the transfer had not occurred. I checked my BBVA checking account online and realized that instead of depositing the {$700.00} back into the account, BBVA had withdrawn {$700.00} from the account. 
4. On XX/XX/2021 I visited the XXXX branch of BBVA in XXXX to have the bank correct their mistakes and deposit the {$1400.00} to my checking account. The bankers at the branch recognized the mistakes totaling {$1400.00}, and said they would work to solve the issue with the corporate office. By XX/XX/2021 BBVA USA bank had fused with PNC bank, and branches were not able to correct mistakes like these any longer. 
5. On XX/XX/2021 I emailed all information about the {$1400.00} mistakes to XXXX XXXX, BBVA/PNC XXXX area branches district manager. I talked on the phone with her and she also acknowledged the {$1400.00} mistakes the bank had made. 
6. On XX/XX/2021 XXXX emailed me to ask me how would I like the {$1400.00} transferred back to me. I requested the {$1400.00} to be deposited in my checking account. 
7. On XX/XX/2021 I was contacted by XXXX XXXX from the PNC corporate office, with whom I talked on the the phone the next day XX/XX/2021. XXXX advised me neither he nor the corporate office could correct the mistakes as they did not have access to BBVA transactions. 
8. As of XX/XX/2021 my {$1400.00} have not not been deposited in my account yet, and have not been given a date of when the {$1400.00} will be returned to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Checking or savings account

After banking with Wells Fargo for many years they have basically helped someone scam me out of my money. I was contacted by what is referred to in Texas as a zombie debt collector which basically is a third party debt collector that uses intimidation tactics to try and force you to pay a debt that is dead. They called me, contacted my husband and my son threatening me with a lawsuit and other tactics to try to get me to pay a debt I no longer owe. I wasnt totally aware of what was happening at first, so I gave them my debit card number and agreed to pay them {$50.00} one time, because their illegal tactics worked at first, when I believed their threats. I NEVER agreed to pay them anymore at that time and most certainly never authorized them to use my debit card number again. The person I spoke with never said a word about an automatic debit, which I NEVER would've agreed to. They emailed me some sort of credit card authorization form and agreement which I DID NOT sign because I realized what they were doing. Two weeks later they charged my debit card {$150.00} without my authorization. I disputed the charge, because it was never authorized and now they have stolen from me. Now twice Wells Fargo has denied my dispute claim and stole the {$150.00} from me again. Just because I gave the scam artist my debit card number and authorized a one time payment does not give them the right to use it anytime they want. This is theft and Wells Fargo has let them do it. The fact that I cant trust my bank with my money is deplorable. There has been no reasonable explanation as to why they have let this happen, simply because there isnt one. It is appalling that my bank would allow an unauthorized transaction to be made to my account and help someone steal from me.
Product: Mortgage

XX/XX/2016 who told sps to take my insurance claim check and apply it to the interest portion of our mortgage? Was it an accident, or who was the bank/lawyer that told them to do this?
Product: Consumer Loan

I am filing this complaint against Pinnacle Credit Services , LLC. This is the first letter I have ever received stating I owe XXXX ( South Dakota ), XXXX {$27000.00}. I have never received a loan of any sort from XXXX. I do not know what it is for, unless it is security fraud. Please check into this for me, because I am not sure what it is about. The reference no. is XXXX, and there phone number is XXXX.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by ALDOUS AND ASSOCIATES, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by ALDOUS AND ASSOCIATES , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand ALDOUS AND ASSOCIATES, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that ALDOUS AND ASSOCIATES , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DXXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 602 B states 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

As you can see in my original and continued documentation that I sent repeatedly to Transunion, they have violated the FCRA by not providing me the proof of validation of the incorrect information reported on my credit report. 

I want the incorrect items deleted or I am pursuing legal remedy.
Product: Mortgage

We've been trying to modify our loan with Wells Fargo. They have put up many obstacles to avoid the modification and have refused to use our proper income. Well Fargo recently sent a legal letter threatening foreclosure. This goes against the Foreclosure regulation that guards against dual tracking. This is a state and federal offense. 
Wells Fargo has refused to extend the term of the loan saying the investor would not allow it. 

Recently we found out that this was originally a XXXX loan that Wells Fargo acquired. The original loan was subject to a California class action lawsuit requiring modification. Many in the class have been modified. It is incumbent upon Wells Fargo that they modify the loan including extending the term of the loan. 

We have made many demainds to Wells Fargo to produce documents which they have failed to do. We have asked for the loan and securitization documents without getting any results. 

I am a XXXX XXXX XXXX veteran and my wife and I are asking for help with this predatory loan
Product: Mortgage

Chase Mortgage purchase my loan in XXXX of XXXX. In XXXX of XXXX they took money out of my escrow account to pay back property taxes ( that I did not owe ). When I questioned them they said there were back taxes for XXXX and XXXX ( I purchased the home XX/XX/XXXX ). I explained I did not own the home and in fact there was back taxes that the builder had, which were paid in XXXX of XXXX ( This was in my title report when I purchased the Home ). Chase said they had a report that there were back taxes and because they were lein holders they had the right to pay them. I asked for a copy of the notice they received with back taxes due and I did not hear back from them. I asked a branch manager where I have my checking account and she said she would look into it and the Mortgage tax department would send me an explanation. I did receive a letter and they explianed the money they took was applied to deliquent taxes XXXX, and I was not getting any money back. 
I closed my escrow account with Chase so this could not happen again and I had the home refinanced with a different mortgage lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please respond within XXXX days with confirmation that this has been completed. Thank you
Product: Student loan

I have learned that Navient will not help you lower your monthly payments if your loans are current. Because of this, I've had to let my loans fall behind and into default in order to receive the lower payments. Each time I call, they never offer or even acknowledge Income-Based Repayment Plans ( IBR ). I have to apply for forbearance and pay a fee for the " pleasure ''. 

While I wait for " enough time '' to pass before they will assist ( causing my loans to become past-due ), I and my co-signer receive up to fifteen calls a day from Navient. This harassment happens at all hours of the day ( XXXX XXXX to XXXX XXXX ), seven days a week. 

Also, I have five student loans with them ( one for each year and a fifth one because the loan amount requested was incorrect ). Once my forbearance is approved, I am told that the payment I make is dispersed equally to each of the five loans. This usually is not the case ; they will only apply it to some of the loans, so I will be bombarded with letters and phone calls stating that I am past-due, when I am not. This past time I was in forbearance, I called to ask if I could change my due date. They assured me I could ; however, when my payment ( which is automatically paid to them and which THEY set up ) did not occur on that day, I would again receive numerous phone calls and letters until the payment was received on my new due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a company that I financed two vehicles with. The first loan was completed and paid of successfully. The second loan I had to give the car back which they have sold and refuse to give me the balance that remains on the vehicle which is reporting negatively on my credit report. I have disputed this information with all 3 bureaus and each time XXXX XXXX XXXX reports they are reporting correct information. The amount that reflects on my report is {$9800.00} which is the remaining balance of the original loan. They will not update me on what the remaining balance owed is since the sale of the car.
Product: Checking or savings account

On XX/XX/XXXX Navy Federal confiscated $ XXXX out of my checking account due to a minor checking account I was associated with with my daughter. My daughter and other branch member have contacted the bank and have made them aware of the wrongfully inputted info and have waited the QUOTED 15 days for the dispute/security department to investigate the matter and they have not returned with an answer. This process has called me stress in trying to figure out how to suffice for income loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing the issue with only Equifax about a car loan I never own on my credit report for the last year. I ask for proof of signature from equifax and other information how are you verify the account is mine when I never own this car and why are you the only credit bureau showing this account. I have a XXXX XXXX and Im trying to buy a house but no will approve my loan due equifax wont do they home work and verify the situation. I need help.