23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

the parameters i chose as the problem im facing are close, but not the actual problem, i started my retirement, direct deposits were made into an account that the last 2 numbers were somehow switched, my acct. is XXXX, the deposits went into XXXX soc. sec. requested the money back, then was told the treasury had to request it returned. we did that, and the bank is giving me the run around still. 1st deposit was XXXX on XXXX. then, another XXXX, approx. 10 days later.. social security has started charging me the money as an overpayment. i filed an appeal, but theyre taking the money out of my monthly checks anyhow. ive tried, probably 30 times total to get them to return it, or now, actually, since social security has been charging me as an overpayment, i feel it should go to my account, since ive not had the benifit of having those lump sums at my disposal. 
its a paypal account, a division of XXXX. 
ive lost a vehicle while waiting for this money to be available in my account back in XXXX. i would appreciate any help, they-paypal- definately know of the situation, i asked if they were discriminating against me, or if they wer just having fun because of my age, a woman - XXXX XXXX-, said that the tools she had werent giving her option to basically give me the money, and said that social security would have to request it back. weve already requested that, and nothing was done, social security isnt doing anything about it, other than taking money out of my monthly check as though its been paid to me already. someone or somehow the last numbers of my account got switched, i dont know how, i ' copy and pasted " the account and routing numbers into the form online that i had to fill out for where my payments were to go, there was no mistake on my part, and if you were to read about all the safeguards paypal has in place, to protect my money, they shouldnt have even accepted the deposits in the first place, per their own words, as the information obviously wasnt correct.the numbers of my account, the last 2 numbers were wrong.switched. 
this application had said to not use any personal information, none the less, with my name, paypal can see the account, like i said, they definately know of this whole situation, ,but they just arent- wont do anything about it. its almost infantile how they want to pass it off to soc.security, soc. security blames paypal. meanwhile ive paid XXXX to social security on money i didnt get, havent had in my posession, at all.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since my loans were originated with NewRez, they have been on automatic ACH payment with the company. In XXXX 2022, my ACH was canceled because NewRez was unable to locate my account and NewRez did not notify me of the cancelation. A representative called me to collect the payment and when we discussed the payment history, the representative confirmed that I was not notified of that error or challenge on NewRez 's part, and reversed the late fee. I re-established the reoccurring payment since that time, and payments for 3 of my accounts were withdrawn via NewRez ACH. I have confirmation emails subjected " Your recurring payment has been submitted '' from XXXX and XXXX. On XX/XX/XXXX, all three loans were sold, but no notification was made to me that there was any change in servicing or that my automatic payments were being stopped. ( I was only able to ascertain this informationby reviewing my payment history in NewRez 's portal ). I have still not received any notification of a change in servicer. On XX/XX/XXXX, a rep called me to say the payments were not received. I confirmed that the XXXX and XXXX payments were automatically drafted, and we talked through why my ACH was not taken out, and the rep stated that when the loan was sold, it may have canceled the ACH, but no notification was sent. I requested the late fees reversed, as NewRez failed to notify us that the payment I authorized was canceled and I have not received any notification of a change in servicer. When I called on XX/XX/XXXX, the rep and manager said they had no notes or documentation of a call on XX/XX/XXXX. I was also denied my request to reverse the late fees. I requested that the recording of the XX/XX/XXXX call be pulled for reference and requested an investigation about what occurred between the XX/XX/XXXX payments and the ACH payments being stopped, without notice. The representative told me that no one would call me back andthat nothing could be done. These late fees and any record of late payments on my account are inaccurate and I am requesting full and complete documentation about what has occurred on my accounts. I am very concerned about NewRez inaccurately reporting to the credit bureaus on my behalf or continue to charge unwarranted fees.
Product: Credit reporting or other personal consumer reports

My dispute portal was disable and I am not able to dispute information on the website. I have mailed information in to the address provided via certified mail and it has gotten returned to sender due to it being an incorrect address. 

This corporation has invaded my privacy and violated the GLBA I demand a proper reinvestigation into this matter as damages have happened due to the this unfair reporting in pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

I never gave this corporation permissible purpose to report this information and they never clearly or conspicuously disclosed that they would disclose this account / inquiry further more they never gave me an opportunity to opt out of this account being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave this corporation permissible purpose to report this information and they need to immediately remove all inquiries and accounts. I reserve my right to recourse under the FCRA and will seek remedy for all damages suffered.
Product: Credit card or prepaid card

On XX/XX/2023, I had an offer for a balance transfer on my Elan Business credit card. I went on-line to make the balance transfer as my credit limit was sufficient to make these balance transfers. I input all the required information for three companies - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I called to follow up with Elan on XX/XX/XXXX and the Card Services representative said that they received the request to transfer but it was not complete because they required an extra verification and so I gave her the verification over the phone. Prior to the end of the call it was dropped and so I called back on XX/XX/XXXX ( spoke to a supervisor ) and they told me they still saw the balance transfer and it would be submitted. I called back on XX/XX/XXXX ( spoke to a representative in Card Services ) and they also informed me that my balance transfers were indeed pending and would be processed and mailed out within 14 days. Fast forward to today, XX/XX/2023, I spoke to a Card Services Representative XXXX XXXX XXXX who said that there was a " fraud '' alert on my account and that she apologized but no checks had been mailed out. Then I spoke to the Cardmember services, XXXX XXXX who further stated that this company had already charged the balances to my account and never processed or mailed the checks. This is fraudulent activity, and I would like an investigation into the practices of this company. They are deducting from my available credit card balance from approximately XXXX XXXX XX/XX/XXXX and never mailed any checks to substantiate deducting this balance. During my second call to Cardmember Services Supervisor, XXXX she said that they could not remove the fraudulent charges on my card until XX/XX/XXXX. So, we have three areas of inquiry : 1 ) fraudulently offering balance transfers without fulfilling the deal and 2 ) deducting from customer balances without sending out the balance transfer checks and 3 ) misrepresenting to consumers that they have mailed checks when they havent been mailed. I am sure I am not the only one who has encountered this with this company and this needs to be investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I Also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debts is validated. You must show proof that you legally own this alleged debt and that it is accurate complete. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and spoke to a supervisor name XXXX XXXX. I explained that I contacted Barclay bank and wrote letter several times disputing the numerous inquires on my XXXX credit report. Barclay did not respond as I think someone was trying to defraud me. I put a freeze on my XXXX to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have got a alert for Equifax stating that my credit was ran from XXXX XXXX XXXX XXXX, XX/XX/2023 My Partner XXXX XXXX went into the branch in XXXX XXXX XXXX location in XXXX to get a bank statement as which we are buying a mortgage, the bank confirmed with me that he was allowed to get this info, When he got home i choose to get on the phone with XXXX and ask about this dispute, XXXX XXXX the branch manager at XXXX XXXX in XXXX XXXX said that she ran my info bc she thought it was going to be fine with me, she never called me or i never signed any papers stating that i agree for her to run my credit, and on the phone she admits she messed up and she should have called me, she said she was going to take care of this and get it off my credit, almost 30 days later i still have it on my credit and its harming me to get credit for the new things i need for my house. so bc of this inquiry its harming me to get credit that i need for my personal life.
Product: Checking or savings account

This is a third complaint to the same issue as Wells Fargo closed my previous complaints without a resolution. Wells Fargo closed down my account without returning the funds to the original sender. Wells Fargo claimed that all XXXX transactions my mother XXXX XXXX sent me from XXXX ( XXXX XXXX ) were sent with receiver as XXXX XXXX? So my mother basically sent herself money to my account? Wells Fargo refused to give me my money and so we started the process of returning the funds. XXXX recalled all XXXX transactions, my mother even paid extra XXXX EUROS per recalled transaction and Wells Fargo managed to return only XXXX of them. I called pretty much every day to make sure Wells Fargo doesnt close the account until all the funds were transferred and they still did. I asked for extension and got denied last time? Why? Why didnt Wells Fargo just extend the closing date? To make sure all the funds were returned. Now, XXXX  months later Wells FargoXXXX  still has XXXX of the transactions {$8200.00}. Im calling and getting a different excuse/lie every time. Last time they closed down my case/complaint, they told me that the money is now available for the sender ( XXXX XXXX ) and that they are going to close my case, well, that was another lie. We spent another XXXX EUR to recall the funds from the senders bank and the bank ( XXXX  ) in XXXX is getting no response from WELLS FARGO AGAIN? Since day XXXX, Wells Fargo has been telling me that the easiest way to resolve all of this is to have my mother ( XXXX XXXX ) go to Wells Fargo branch with XXXX forms of ID and that will resolve everything instantly and the they will release the funds. That was impossible until yesterday as my mother XXXX XXXX lives in XXXX. My mother XXXX XXXX is visiting us now in USA and so I made and appointment and went with XXXX forms of ID from both of us and Wells Fargo still didnt release the funds??? How is that even possible or allowed???? We want our money back!
Product: Debt collection

I recently reviewed my three Consumer Credit Reports and noticed this inaccurate account on my three credit bureaus : XXXX XXXX XXXX XXXX : ACCT # XXXX I was garnished by XXXX XXXXXXXX XXXX XXXX  The debt was paid in full. XXXX XXXX XXXX claims I owe them {$2600.00}. I have been disputing this account for years. 

I mailed XXXX XXXX XXXX XXXX to ask them to investigate, prove, and/or remove the inaccurate account from my three consumer reports that they are illegally reporting, and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

I requested through certified mail on XX/XX/2023 for verification of the debt and verification that I own the debt. Lvnv received the certified mail on XX/XX/2023. They have provided me with only a report summary which is not proof of ownership and the right to collect on the debt, they have also failed to provide me with a purchase agreement to allow me to verify who has and does own this debt and if and how they can collect on this debt.
Product: Debt collection

Afni Inc is reporting on all XXXX of my credit reports as a paid collection. I paid the outstanding balance of {$460.00} directly on the orginal creditor website which was XXXX XXXX. XXXX is not reporting the debt to the credit bureaus. Since I am current with the orginal creditor and they are not reporting to the credit burreaus ; I do not understand how the collection agency who did not collect the funds from me can report this as a paid collection. 
I have tried to correct this by disputes on my XXXX credit reports. I also filed a better business Bureau compliant. All responses from Afni indicated this will stay on my credit report.
Product: Debt collection

I am writing to file a formal complaint regarding the actions of CREDIT COLLECTION SERVICE in relation to an alleged debt they claim I owe. Despite numerous requests, CREDIT COLLECTION SERVICE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that CREDIT COLLECTION SERVICE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices.

The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I dispute owing all debts to CREDIT COLLECTION SERVICE and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I request that CREDIT COLLECTION SERVICE provide : XXXX. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 

XXXX. The purchase agreement between CREDIT COLLECTION SERVICE and XXXX XXXX XXXX XXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows CREDIT COLLECTION SERVICE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX XXXX XXXX XXXX  and CREDIT COLLECTION SERVICE, because it will state CREDIT COLLECTION SERVICE purchased this debt with the knowledge of this account not being 100 % accurate, as well without my consent to purchase, and last but not least this negative item is noit following the 5 bullet points of compliance that are in place by the XXXX, which threatens the integrity of validity of this being reported on my personal consumer report. 

XXXX. Furnish proof of licensing and bonding to operate as a debt collector in the state of Illinois. 

XXXX. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. If in fact, if CREDIT COLLECTION SERVICE believes they have provided proper notification please provide a copy of certified mail receipt. I am requesting you provide the receipt because the date of mail will be 5-7 days prior to the item being reported. Not only will my signature be present on the agreement but it will support that CREDIT COLLECTION SERVICES took proper procedures giving me the opportunity to properly address this item being reported on my personal consumer report. If you can not provide this information, please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous lender is reporting my mortgage as " included in bankruptcy. '' Per my attorney if a debt is reaffirmed at the same time as your bankruptcy it is not included in the bankruptcy. I have sent the reaffirmation to Ditech Financial showing that the reaffirmation was included along with the bankruptcy, so it was not included. 

XXXX is reporting it correctly. Ditech financial refuses to change the reporting to now included with bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX # XXXX, THE BUREAUS # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My daughter XXXX received her annual escrow statement from Fifth Third bank with a substantial increase in mortgage payment. Partially due to an increase in property taxes and insurance but a large portion relates to the cushion analysis for the upcoming year. The concern is that the ending balance in the XXXX projection does not agree with the beginning balance of the XXXX projection. After almost 2 months and trying to resolve this with Fifth third I was able to determine that they had deleted one months escrow payment from the calculation. I have emailed this information to them for correction. However, they are not returning my calls or responding to emails. I have delt with XXXX XXXX, her supervisor XXXX ( I believe the last name is XXXX ) and another supervisor XXXX, who would not provide a last name. I analyze my daughters escrow every year and XXXX with 28 years of experience. Fifth Third was unable to answer ( or unwilling ) my questions and this has been a very frustrating experience. I am not sure they will ever resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( XXXX ) XXXX XXXX  : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a {$31.00} balance due on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account is over ( 7 ) years old and reporting this account is a violation of the Fair Credit Reporting Act. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

We told the lending company that we wanted to add our closing costs to the loan. I was told by lending company it is. We were a day before closing and still did not have closing documents to verify that it was getting added to our loan. The next day we are supposed to close and still have no closing documents. Called amcap and they wouldn't tell us why we still don't have closing documents and this is one hour before we are supposed to close. And that's when we got blind sided for an additional {$15000.00} for closing costs. We call amcap and they tell us they didn't add the closing costs to the loan because she isn't a mind reader and didn't know we wanted to do that after we have mentioned it several times. After she said she wasn't a mind reader and didn't know we wanted to do that she then said we can go back and add it to the loan but it will push us back from closing multiple days knowing we didn't have multiple days and closing was already delayed once. After we said that's fine we will wait until it gets fixed because we really needed that additional {$150000.00} for appliances, furniture, and to pay off a bill. After we said we will wait amcap then proceeded to tell us we can't add it to our loan now because if we do we wouldn't qualify for the additional {$15000.00} on our loan and that we would have to start all over and likely not get the house we wanted. This company lacks integrity and has bad business ethic. Their lack of honesty and using our loan against us and blind siding us with an additional {$15000.00} out of pocket really put my family and I in a bad spot. I regret using this company and wish I never did. They then proceeded to the US that we should be grateful that we got approved for our loan and the only reason we got approved was because all the favors they did for us. This company ruined the whole experience for my family. They I L ed to us and played games with us. We did not get the final closing disclosures until minutes away from closing. I feel the closing disclosures should have been emailed to us multiple days before closing so they can be reviewed and if there are any discrepancies they could be rectified properly. Instead we did not get the closing documents until minutes before signing and there was no way to fix anything especially after they lied to us multiple times