23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My husband was in the hospital and on XX/XX/XXXX I contacted government program was told the we qualified for program for families having hard time told to contact Wells Fargo. When I called WF they told me I didn't qualify because my payments were upto date. My husband passed away and I called WF and was told my husband had to be alive to quialify. I called the government program back and was told to make WF do something for me. I called WF and was assigned XXXX XXXX. Was told to send worksheet, hardship lettler and proof of Income on XX/XX/XXXX. Was told by XXXX WF would refinance my loan put in any missed Payment ( she had told me stop making payments starting on XX/XX/XXXX ) into the loan. I was told to pay off my car, credit cards and medical bills.on XX/XX/XXXX I faxed XXXX check stubs, hardship letter and monthly expenses.On XX/XX/XXXX XXXX XXXX was my respresentative ( XXXX XXXX XXXX ). On XXXX XXXX XXXX I received a letter from XXXX XXXX telling me the rules had not been followed because of the time frame.. I rec 'd a letter from XXXX XXXX on XXXX XXXX XXXX stating they will not be able to find a solution.I call WF and spoke with XXXX and she told me not to worry even if I receive a foreclosure letter just keep working with them. On XXXX XXXX XXXX I rec 'd a letter from WF they had approved a short sale. Rec 'd al from XXXX, XXXX XXXX XXXX XXXX Foreclosure natice. on XXXX tried to block sale. ( Section XXXX of Real Estate Settlement ) On XX/XX/XXXX I spoke with XXXX at WF and was told they couldn't find the paperwork for the liens and IRS paperwork. If I could get that info to them they would do an emergency approval to take it out of foreclosure.. On XX/XX/XXXX WF was waiting waiting for approval from FHA. On XXXX XXXX XXXX I was told they had sold the property. On XXXX XXXX XXXX I spoke with XXXX XXXX and was told well fargo wasn't going to do anything for me, I was also told Wells Fargo made a {$23000.00} profit from the sell. I asked for that as I was told my an atty. The bank had to give me and profits and was told they didn't care they were not going to give it to me. The person XXXX who bought the house told me he was a retired builder and when my husband went into the hospital in XXXX XXXX Wells Fargo called him to ask him if he wanted to buy the house. At that time I had never missed a payment
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX BANK XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX BANK XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

My checking account with Wells Fargo for the last XXXX years have been questionable about many different I was charged fees for multiple reason and I feel it was during the time the lawsuit states. Could you please investigate my account and see if they owe me any money?
Product: Credit card

On XX/XX/scrub>XXXX XXXX XXXX ( autopay date ), I contacted Discover via phone call to check on the status of my credit card account after noticing my balance was - {$41.00} ( a credit balance ) and my minimum payment due was {$0.00} due to my automatic payments that occurs on the XXXX of every month. 
During this call, I was informed that my account had been closed the day BEFORE, even though it showed open on my end ( on the XXXX ) without any prior notice to me. I was never notified via email, mail, or any other method that my account would be closed. I have never missed a payment, had no delinquency, and maintained the account in good standing. 
The customer service representative I spoke with was unhelpful and dismissive, refusing to provide a clear reason for the closure or guidance on how it would impact my credit. 
Why This Is a Problem : Lack of Notification : I was not given the opportunity to take action before closure. 
Unfair Closure : My account had a credit balance, meaning I overpaid, and I had no history of missed payments.

Potential Harm to My Credit Score : This could negatively affect my credit utilization and history.

Resolution Requested : I am requesting : 1. ) A formal written explanation of why my account was closed.

2. ) Reconsideration for reinstatement if possible.

3. ) Confirmation of how this closure will be reported to credit bureaus and whether it will negatively impact my credit score.

I believe this was an unfair business practice, and I would appreciate CFPBs assistance in resolving this matter. 

Thank you kindly for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed XXXX {$0.00} 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXL XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX BANK SS never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Vehicle loan or lease

In XXXX of 2014, I got a car loan from Westlake Financial. I agreed to a payment of {$350.00} per month. Every time I have made I was charge {$5.00} dollar processing fee. I did n't agree to the {$5.00} charge and it adds up over XXXX payment to {$180.00} more in payment on the loan. I am a XXXX vet on a limited income so this {$5.00} per month is an unplanned expense. Can these loan companies take {$5.00} from every customer? This would add up to a lot of profit on cost that was n't on the loans they give out.
Product: Credit reporting 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 Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I don't recognize these queries 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  I don't recognize these late payment, I paid it before was closed XXXX XXXX XXXX
Product: Debt collection

Dear XXXX XXXX XXXX, I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. 

I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my XXXX XXXX and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). 

According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. 

I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report shows this account was opened XX/XX/XXXX. The account status is " Account charged off. {$85.00} written off. {$85.00} past due as of XX/XX/XXXX. '' The responsibility is as individual, and the past due amount is {$85.00}. The original balance was for {$85.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with this company.
Product: Checking or savings account

On XX/XX/XXXX, I noticed my app had the wrong name when I logged in to the account. The Statement, social security number, and all other identifying information was correct but the Name identifier was incorrect. Reached out to Bank of America to have this resolved and they sent a letter with the wrong name addressed to the wrong person to have the account be signed back to me. The account was never in that persons name nor is assigned to them. Upon calling back on XX/XX/21, no one could explain how this even happened. They have no documentation of the name being switched incorrectly and how this would have occurred. They stated they would have to look further into it and have someone get back to me which no one has.
Product: Money transfer, virtual currency, or money service

This complaint is from the CashApp app. I sent money from my account $ XXXX to the wrong recipient on Friday, XX/XX/XXXX in the amount of XXXX. Immediately, I requested a refund and a day later got a message from CashApp support that the refund was declined. Subsequent, I was told to request the money directly from the recipient XXXX XXXX but the system is not allowing me to do so. I have asked numerous times for assistance from Cashapp support to request these funds on my behalf to be returned. I have not been successful after 8 back and forth emails regarding this issue. There is not a phone number, so unable to speak to anyone. 

I am a cybersecurity professional and there should be other controls put in place to protect against money sent in error. I have been using CashApp for years and this is the first time this has occurred. I was told I had so many hours to request the refund, but there is only an email contact. I sent email immediately after the correct recipient advised that they did not receive it. 

I am disappointed with the lack of assistance or remedy provided in this case.
Product: Mortgage

Since XX/XX/year> I have been sent vague and incorrect monthly mortgage statements, some of which were completely blank, void of any numbers. 
I have been requesting the data to support this companies interest charged to me on this loan for these past 5 months. No response.
Product: Checking or savings account

I was locked out of my new account after depositing my {$1200.00} stimulus check and making a {$25.00} transfer to my other bank account. I called several times to figure out why, and they repeatedly said they would mail and email me information about it. I received an email stating they were investigating fraud on my account. My account has been locked since around XX/XX/XXXX, well over a month, and they will not tell me how long the investigation can go on or what information I can provide to resolve the issue. I never saw any strange transactions, so I can only assume one of my own transactions looked suspicious. I made transfers from my other bank accounts including micro transactions to verify transfers, my XXXX, and my stimulus check. 

It is a challenge having {$1200.00} locked away during COVID when I am struggling to pay house bills so I would like to know how long they can legally hold my money.
Product: Mortgage

In XX/XX/XXXX I went on forbearance with US Bank because I was laid off due to Covid. I began talking with US Bank in XX/XX/XXXX to begin the resuming my mortgage payments. I was told that I was in a plan, it was unclear as I did not select it. Every month I called and was told everything was ok and it was. After discussion they said they had to cancel the current plan ( not clear what it was ) to put me on a new payment plan. That plan was described that the payments would go onto the end of the loan. They wanted me to start payments in XX/XX/XXXX. I paid XXXX by phone but there is no record of the payment. I was told I could make a payment any day of the month. The XXXX payment was made on XX/XX/XXXX for {$860.00} but US Bank does not show it as paid. I made 2 payments on XXXX XXXX ; 1 for XXXX and the other for XX/XX/XXXX. The payments cleared my bank on XX/XX/XXXX for {$850.00} and XXXX XX/XX/XXXX for {$830.00}. US Bank does not show these as paid. On XX/XX/XXXX I became aware when I met with US Bank mortgage loan originator XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX branch that my loan was sold to XXXX XXXX XXXX She looked for my missing payments but was unable to find them. She said she had never seen anything like this at US Bank. XXXX XXXX XXXX has no record of the payments. I am shown as being delinquent in payments that I made that no one can locate. XXXX XXXX seems to be moving towards foreclosure but speaking with them is nearly impossible. I did manage to speak with XXXX XXXX on XX/XX/XXXX. She said my loan was " in flight '' so they did not have access to the information but I was not to worry. On XXXX XXXX, XXXX I made a payment via phone for {$830.00}. XX/XX/XXXX I called to be sure my XXXX payment was on track. I spoke to a XXXX who said my payment was returned on XX/XX/XXXX, I do not know why. I said I have the funds and would like to pay it but he advised me not to as it would only go to the end of my debt. One of the two banking systems has {$2500.00} that I paid in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is SO FRUSTRATING. Three years ago I had a bill go to collection-this was already paid, well this lovely debt collection company decided to report it THREE YEARS LATER to mess up my credit. You should be ashamed of yourselves. REMOVE THIS FROM MY CREDIT REPORT ASAP OR I WILL GET A LAWYER.
Product: Debt collection

I've repeatedly disputed the third-party collection agencies that brought the original creditors that were included in myXX/XX/XXXXXXXX, bankruptcy. I would like to know what proof was provided to Experian, report number, XXXX, XXXX. XXXX, 2022, to remain as accurate reporting? Because I'm disputing the original creditors that were sold to the third-party collection agencies listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$410.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2700.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$8800.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2500.00}, Original creditor,XX/XX/XXXXl XXXX, XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2400.00}, Original creditor, XXXX Bank, Contact info, XXXX. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX cellphone number
Product: Checking or savings account

On  XXXX   XXXX  Bank of  American p aid a check that deposited from my account which caused my account to overdrawn and charged a {$35.00} NSF ; which is perfectly fine. However on  XXXX   XXXX  BofA decided to charge me another {$35.00} fee for " extended overdrawn balance charge '' because I did not bring my balance current withi n 5  business days.     I get paid ever y two weeks and advised that this balance will be brought current on day 7 once my direct de posit hits my account ; however the bank did n't see fit to reverse the charge.     I think this is a very unethical charge and is a predatory charge to the consumer.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and also kept the balance i had on hold for 180 days and will not help me getting it back, I started my own little business where i provided people with ad designs and web designs and my courses, Even my customers have verified to paypal that they have received the service. 
I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a long time now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX