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

I closed my account ( in good standing ) on XX/XX/18 via a phone call to the bank 's XXXX number. A couple days prior, I pulled all funds via an ACH transfer to another bank so that XXXX did not need to send me a check. After closing, a maintenance fee was applied which, I was told, reopened my account unbeknownst to me. I don't know why the maintenance fee was ever applied, but I assume it was because I fell below their fee-free threshold when I pulled my funds a couple days prior to closing the account so that I could close my account. I was told it takes a couple days to truly close my account and the maintenance fee posted the day after I called to close the account. ( My husband did the same thing and he was not charged any maintenance fee ). After not paying the {$4.00} maintenance fee, I was charged a {$30.00} late fee and then another {$4.00} maintenance fee. The bank claims I owe them {$38.00} but it is all due to fees from after I closed my account and I never received statements showing that the account was still opened ( or I never opened them because all USbank mail was considered junk mail after I closed my account ). I've called all the phone numbers USbank has given me in order to help me resolve this issue, but I have been greeted with wrong departments, transfers from department to department to department, answering machines, and offers to call me back which never happen. I've spent 2+ hours on the phone trying to rectify a problem that is not my fault. The collection department was unable to reverse the fee so they provided me the XXXX number to the bank. The XXXX number to the bank referred me back to the collections department. On XX/XX/XXXX I then threatened a complaint to the Federal Reserve if they did not get this corrected quickly. The CSR then tried to call a branch manager to waive the fee but was unable to get through to the manager. I was then told by that CSR that she was not working the following day and that her manager would follow through with the branch manager and give me a call the next day. I gave them the benefit of doubt and agreed to hold off on my complaint. ( 3 ) days later and still no phone call. I should be compensated for my time since USbank can not quickly resolve this simple issue and their customer support hours are during my work hours.
Product: Vehicle loan or lease

I received an email from carmax about an approval for a car payment extension which I had no acknowledgement of and didnt consent to. Im am also the owner of the vehicle and any changes to it and the contract shouldnt be done without my knowledge and consent. Its strange how my request to be removed from the contract was denied, me requesting for the vehicle to be picked up several times after being behind on payments for several months is also denied, but a payment extension is done without consulting with me the other owner of the vehicle, even though we both parties share equal ownership of the vehicle.
Product: Debt collection

I spoke to XXXX two months ago on my cell phone and explained that I was told my membership was to be cancelled via a conversation with the manager. I got a call at work last month XX/XX/ from XXXXXXXX XXXX  colleague. I told her to not call me at work and she said she would update that. I got a call at work again XX/XX/. I have requested all correspondence be through the mail. They are still calling me on my cell and at work.
Product: Mortgage

URGENT!! YOUR BILLING IS STILL WRONG!! 

Despite my prior complaints and correspondence, you ( Wells Fargo, N.A. ) continue to carry forward a principal balance that is at least {$20000.00} more than the actual amount owed. You continue to demand this as part of a balloon payment. This means you continue to calculate principal and interest amounts that are incorrectly calculated. Documentation was presented through CFPB and USPS Certified Mail. It is again attached hereto. 

You are not answering my questions about 1 ) how to comply and 2 ) specifics about the documents you are requesting. 

That is, you have not responded to my questions and concerns, only sent form letters, and a notification that you have now stopped the modification process, for which you once said I had qualified. You state I didnt meet your stated XX/XX/2020 deadline. However, my questions about the requested documents were sent well before that deadline, both through Certified Mail, as well as the CFPB. 

I wish to work with you on the modification as evidenced by my actions, application and submissions of detailed documents requested over the past year. Please consider this official continued notification of this position. 

I need more information to continue my compliance. I must know how and what you are requesting with more specificity. This information has not been provided. Faxing has proven an unreliable method of transmission, so I am forced to continue to file complaints due to your lack of specificity and demands for payment in what has been evidenced as an incorrect amount. I have reattached this evidence to this complaint. Also, in hopes that it will satiate your demands, my late husbands will and an affidavit related to the probate filing is also attached hereto, but your vague request for probate documents or ( where to send documents by mail ) remain undefined. 

My legal advisor states all of this continues in violationof the FDCPA. Please correct your billing and please stop making false claims that I have not complied with your set requirements. For you to ignore my questions while continuing to bill me is not fair. 

I am and have always been willing to make payments to you when provided channels to do so, as further evidenced by my last letter and CFPB complaint to you. Unfortunately, you continue to ignore and/or dismiss my questions about this ongoing issue, while moving forward with your demands for payment in full of what you claim is the amount due. I am still trying to comply as I still wish to keep my home and avoid foreclosure. 

Again, please tell me how and where to send the documents to continue the modification process ( detailed in my last letter ). We need this information to continue since the avenues you have supposedly provided along the way ( though dont mention in the last letter ) have proven unreliable. 

Attached is a more detailed account in PDF and  response to your last letter threatening foreclosure in the face of previously submitted evidence and other correspondence to which I refer.
Product: Debt collection

About a month ago, I received a bill from XXXX saying that I owe them {$20.00}. I tried to call XXXX and ask them what the bill was for and after being on the phone for an hour and being transferred several times no one could tell me what the bill was for I sent XXXX a letter. I did not get an answer as to what the bill was for. I have now received a collection notice from Transworld systems saying that theyre about to add to my credit report a {$20.00} debt from XXXX XXXX I called Transworld systems to try to dispute the debt and asked what the debt was for, and when the representative answered the phone, he asked me for an account number which I do not have and then he asked me if I had a shipping account with XXXX. I told him no, and he terminated the call.
Product: Debt collection

I was never provided any written statements in regards to any medical debts whatsoever and did not know of their existence until they appeared on my credit reports. Ive attempted to dispute with the company directly and through all 3 credit bureaus multiple times. This has been an on going issue for almost a decade. I have no idea where these bills originated from, nor any information on dates of service or any break downs on services rendered per the law. Additionally per the new Medical Debt Relief Act ; as of XX/XX/2022 they are no longer authorized to report these debts on my credit reports as they are under {$500.00} and I have provided my explanation of benefits showing that I have no co-pays or deductibles or any financial responsibility with my insurance coverage. Ive attached letters and my insurance info to this complaint. If the companies do not remove these false reports, I will have to obtain an attorney.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

For the second year in a row, I am expected a $ XXXX escrow refund from Quicken Loans. Essentially, I am giving Quicken Loans an interest free loan. They do not pay interest on this money back to me. It is absurd that they do not adjust my escrow and instead keep what amounts to an extra mortgage payment for one year before providing me a refund.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that i did not authorize. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

1.Bank of America has a customer care number that goes around the country in all different states.There is no good help and resolution. The account was closed by Bank of America. I want the account closed and free permanently. But the account continues to have fraudulent activities and making the account balance which was XXXX at time of close on XX/XX/2015 changing and the closing statement shows credit balance on the XX/XX/XXXX. And because there was more fraud activities going on within Bank of America, the balance is changing. 
Help!!!!! Help!!!!! Please It seems that government department such as the FTC and crib phone numbers are being forwarded and transfer to some fake or fraud number or offices that are floating around all over the world!!!!!!! 
2.Please have Bank of America straighten the account as it should be. 
3.My email address is XXXX 
4.Bank of America credit card account number ending in XXXX. Please have this freeze and permanently. 
5.There is identity theft going on accessing my account. 
6.There seems to be charges on the account too high. 
7.Please do not publish my information but you can do so with the kind of incident.
Product: Debt collection

Sunrise credit service places a collection on my credit report for the amount of {$270.00} XX/XX/2017. I do not have a contract with Sunrise credit services and would like this to be removed immediately.
Product: Credit reporting or other personal consumer reports

There is income information still showing on all three credit agencys. My credit and social security information is hack and among the social security breach that occurred. 

XXXX and XXXX are reporting capital incorrectly. They reporting this delinquent when my balance was paid off several years ago. 

I have filed and turned in a police report and and agencies are still closing to hinder my progress to purchase a new vehicle and home. 

Everything I call or go online to dispute or submit. XXXX transunion and XXXX seems to only send me to a link to siren up and pay for services.
Product: Credit card or prepaid card

I HAD TWO CAPITAL ONE CREDIT CARDS THE ACCOUNTS ARE CLOSED BUT THEY KEEP GIVING MY PERSONAL INFORMATION TO DEBT COLLECTORS MY SOCIAL AND ADDRESS AND PHONE NUMBERS I DONT OWE ANY DEBT COLLECTORS BUT THEY CONTINUETO SEND OUT MY PERSONAL INFO THE PEOPE I DONT KNOW A LOT OF US WAS AND STILL IS IMPACTED BY COVID AND THEY ARE GOING ABOVE AND BEYOND WITH MY PERSONAL INFORMATION AND I DONT LIKE THIS
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

INQUIRIES I NEVER AUTHORIZED AND ARE UNAWARE OF AND WANT DELETED XXXX XXXX XXXX XXXX - XX/XX/XXXX BANK XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX ADDRESS I HAVE NEVER LIVED AT AND WANT DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NAME I HAVE NEVER USED AND WANT DELETED D XXXX XXXX EMPLOYMENT I NEVER WORKED BEFORE AND WANT DELETED XXXX
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. " XXXX XXXX : Bankruptcy '' with Reference # : XXXX. Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete this account immediately for failing to do your due diligence in making sure everything is 100 % accurate on my report. Thus, it is unverifiable and must be deleted immediately. Sincerely, XXXX XXXX
Product: Mortgage

Since XXXX XXXX, XXXX when I first put in a complaint Wells Fargo has not even had a underwriter speak to me They refuse to get on the phone an discuss reasons for denial. I have repeatedly inquired and requested for a specialist to allow me to make my original payment and or come up with a payment arrangement. All are losing site of the fact that I was a NON ESCROW account not in default paying my taxes and monthly payments. the town accepted my payment arrangement for taxes. Wells Fargo came in and went against my original loan documents and forced me into escrow making my payments XXXX more a month. The end of the month is coming and I will for the FIRST time be late on a monthly mortgage payment. they will not allow me to make my original payment and will not even talk to me about a resolution. I am fearful of going into foreclosure and it seems wells Fargo does not even care. I have requested for their policy in writing to discuss the terms they have placed on me and they stated that it is an internal policy and they do not have it in writing. Why would a bank not want to make arrangements and avoid going foreclose proceedings and go in front of a judge. Pease help me I am in extreme distress
Product: Credit card or prepaid card

My credit report is reflecting a 30 day late payment when the payment was not late. I've attached a screenshot for confirmation showing a payment was processed in full on XX/XX/XXXX which would've completely covered the balance of the credit card.
Product: Debt collection

Back in XX/XX/XXXX I disputed a debt from Midland funding on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line that Midland should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again Midland told me it was the credit bureau and specifically referenced XXXX. I called and spoke to XXXX at XXXX who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per XXXX they have once again removed the dispute and I have once again put it in writing for Midland Funding that this account is NOT disputed. We went through a tragic circumstance with my son who is now on hospice and this continued stress inflicted by this company should be dealt with. Thank you very much!
Product: Credit reporting or other personal consumer reports

Your failure to comply with FCRA 15 U.S. Code 1681s2 ( 3 ) is unacceptable. Over 35 days ago, I disputed inaccurate items on my credit report. By law, you are required to mark these items as disputed within 30 days, yet you failed to do so. This has caused me to lose financial opportunities and suffer unnecessary stress due to your negligence. 
The Fair Credit Reporting Act is clear : furnishers of information must include notice of disputes when reporting to credit agencies. Your agency 's failure to follow this requirement violates my rights as a consumer. These inaccurate accounts must be deleted immediately, as your noncompliance has caused harm and defamation.
Product: Payday loan

This company loaned XXXX and with all the interest fees it is charging over XXXX. I have defaulted on the loan and it was sold to a collection agency XXXX. I was able to dispute the loan with this company and have it erased from my credit report, now the original lender is trying to come and collect, once they sell the loan they no longer can collect on it.
Product: Debt collection

USASF Us Auto Sales finance company gave me a loan in XXXX of XXXX and I have made payments on all the loan due dates thru XXXX of XXXX. USASF shut down and I tried to continue getting payments to the correct lender and asked for a copy of my contract which I have yet to recieve from US auto sales. I have never missed payment and financed a warranty and GAP coverage into my loan that I am being told by the warranty company XXXX told me is no longer valid. My car was shut off by USASF several time even though my payments were made on time. I have been trying to get my contract information but a new company Westlake portfolia says that I owe more than my balance and will not give me a copy of my original contract. I should not be making payments on a loan that I did not get coverage for GAP or warranty even though I paid for those services. I need help getting my car information updated. USASF marked my loan on my credit report was paid in full. Westlake has not validated the debt and I am not comfortable paying on a loan that has been marked paid in full and has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co sign for my daughter at XXXX dealership and notice 6 to 7 inquiries on my credit report from different lenders.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am submitting this complaint without any influence from any third party party or agency. Please see attached documentation and identification as it contains my complaint and requests.