23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

REFER TO CASE XXXX XXXX XXXX RESPONSE YOU CFPB!!! STOP CLOSING MY CASES UNTIL I VERIFY THEY HAVE SOLVED MY PROBLEM. YOURE AS UNHELPFUL AS SCAMMER WF. 
FIRST OFF XXXX XXXX THANKS FOR PROVING YET AGAIN YOU ARE DISGUSTING LYING SCUM. 
I HAVE NOT SPOKEN TO ANYONE NO ONE HAS GIVEN ME AN UPDATE. I CALLED WF WHEN 2 WEEKS AGO I GOT A CALL FROM A NEW NOTARY DEPARTMENT AND A XXXX TRACKED ENVELOPE FROM WELLS FARGO WITH NEW DOCUMENTATION TO SIGN. STOP LYING. I CALLED WF AND SPOKE TO A USELESS SUPERVISOR WHO BLATANTLY TOLD ME YOU  HAD RECEIVED THE PAPERWORK AND THERE WAS MISSING INFORMATION AND I HAD TO RESIGN MY PAPERWORK BUT THE TRYGLODYTE HAD NO IDEA IF IT WAS ME OR MY SISTER. I SPOKE TO MY ORIGINAL NOTARY PERSON AND SHE SAID WE DID EVERYTHING RIGHT THAT IF THERE WAS AN ISSUE WF WOULDVE LET US KNOW. I CONTACTED MY SISTER AND HER NOTARY TOLD HER  EVERYTHING WAS SENT IN AND ACCEPTED. YOU ARE DISGUSTING LIARS. YOU ARE SCAMMERS. YOU SHOULD BE ASHAMED WORKING AT SUCH A CORRUPT UNETHICAL COMPANY. IF YOU ARE STATING THAT EVERYTHING WAS APPROVED THEN WHERE IS MY CONFIRMATION FROM HUD THAT YOU STATED WOULD BE MAILED TO ME? WHERE IS THE RECEIPT FROM HUD? I WANT TO KNOW HOW I AM TO PAY HUD BACK!? SO I WONT OWE ANYTHING TO YOU SCUMBAGS BECAUSE YOU SURE AS XXXX DIDN'T HELP ME FOR COVID19 ISSUES. HUD PAID MY 2 MONTHS MORTGAGE. I WANT TO PAY THEM BACK SO I CAN SELL THIS POS CLEAN AND NEVER BE IN YOUR DEBT
Product: Credit card or prepaid card

Bank of American generated a statement for my credit card on XX/XX/XXXX. The statement shows the term as XX/XX/XXXX - XX/XX/XXXX. The new balance showed as $ XXXX. The payment due shows as {$230.00} due by XX/XX/XXXX. 

I scheduled a payment that day for {$96.00}. It posted to my account on XX/XX/XXXX, and Bank of America shows that payment as part of the next billing cycle on their website. After that I made payments of {$19.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX, for a total of {$260.00}. BofA also made a credit of {$0.00} on XX/XX/XXXX for " interest Ref BT XX/XX/XXXX ''. As of XX/XX/XXXX, BofA shows a balance of $ XXXX ( {$260.00} less than the starting balance ). No charges were made to the credit card during the period. 

On XX/XX/XXXX I called Bank of America asking why my account said I still owed them {$64.00}. I was told because I set up the payment on XX/XX/XXXX, even though it didn't show on the last statement, and is clearly showing on this months activity, their system wasn't counting the payment as being part of this period, and therefore I still owed them more money to meet my minimum payment. I scheduled another payment of {$65.00} on XX/XX/XXXX, which as of XXXX PDT XX/XX/XXXX is still showing as in progress on my checking account, and has not yet posted to my credit card. On XX/XX/XXXX a late fee of {$28.00} was added to my credit card account.
Product: Debt collection

This collection company RPM ( Receivables Performance Management , LLC ), XXXX XXXX XXXX, # XXXX, XXXX, WA XXXX has contacted me on numerous occasions, the latest being XX/XX/21, regarding a bill for {$260.00} from XXXX XXXX XXXX  that I do NOT owe. In my last letter to them, I requested a validation of the debt. They could NOT produce any document that I signed noting such a debt that I could possibly owe XXXX XXXX XXXX. Rather than acknowledging the obvious error, they continue sending me collection letters, threatening me with a negative report to the credit reporting agencies. 

Since this company can not produce proof, or any document, showing that I owe them or XXXX XXXX XXXX money should be made to stop harassing me or by phone
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. Open Status : This account is not supposed to be listed as " Open ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT 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  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to urgently dispute the validity of the collection accounts listed on my credit report under the account numbers XXXX and XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am formally requesting that all communication regarding these debts cease immediately. 

On XX/XX/2023, I sent a written notice to Navy Federal CR UN informing them that I refuse to pay the alleged debts and requested that they cease all further communication with me regarding these matters. Enclosed with this letter is a copy of the letters I sent for your reference.

According to 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector is legally required to cease all communication regarding the debts. Failure to comply with this request can result in legal action. 
Therefore, I demand that you promptly investigate these matters and take the necessary steps to remove the collection accounts from my credit report. Additionally, I request that you confirm in writing that all communication regarding these debts has ceased.
Product: Mortgage

XXXX XXXX XXXXXXXX checking account was closed after submitting complaint XXXX & resulted in bank not submitting mortgage payment to XXXX XXXX Lakeview Loan Servicing on time due to unauthorized change to overdraft protection and removing account funds. On XX/XX/year>, I saw the XXXX mortgage payment recorded on my account with next payment due in XX/XX/year>. I used myloans.net to make a payment of {$100.00} to my principal to stay ahead. On XX/XX/year>, I discovered an error that my XXXX mortgage payment and my {$100.00} payment were reversed. LakeviewXXXX then assessed a penalty of {$30.00} prior to mortgage statement due date of XX/XX/year>. LakeviewXXXX lists the fee as {$21.00} if payment received after XX/XX/year>. Lakeview/XXXX  needs to remove the {$30.00} fee & follow their own fee structure listed on the mortgage statement. I also need to know why they reversed a {$100.00} payment from XXXX XXXX. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was not updated at all to reflect actual information I sent, and they did not remove one inquiry at all I did not give them VERBAL or WRITTEN PERMISSION to add these to my report according to law, all inquiries need to be removed immediately or will be forced to take matters to court with intent to sue for each violation up to a {$1000.00} per violation According to 15 U.S.C 1681 Section 604 A Section 2 : It 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

They are violating at least 6 different laws upfront correct this or will be charged for each violation. I do not give them permission please delete all inquiries and update personal information correctly. Company has failed in there investigation to do delete anything I have contacted them about this since XX/XX/2022 and they are not complying with the law still
Product: Debt collection

There is a medical bill from XXXX XXXX XXXX XXXX located in XXXX WV on my credit reports in the amount of {$280.00} which is now with Fidelity Collections. I have NEVER seen any physician at this office nor did I authorize any treatment for anyone stating that I would be responsible for any debt. I did contact XXXX XXXX personally and I assumed this was removed from my credit report as he stated he would take care of this with his office staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had leased a XXXX XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been waiting for some time, but the 3Credit Bureaus haven't given me any form of response, so I've decided to ask you for help. They have been careless and have refused to do as I have asked. I am very certain that they must adhere to the Fair Credit Reporting Act law, present documentation and proof, and provide definite and accurate answers within the allotted statutory time. However, if they did not, they are required to correct or remove the inaccurate and unconfirmed items. My credit scores have suffered a great deal as a result of their negative and unacceptable behavior. Please find the items that concern me below 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 reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputatyion. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 of the credit reporting companies continue to mess up my reports. XXXX and XXXX are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter XX/XX/XXXXrightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!
Product: Student loan

I have my student loan through Ed Financial and each time I make a payment it gets reversed. On XX/XX/2023 I made a payment of {$170.00}. The payment was immediately reversed. On XX/XX/2023 I made a payment of {$350.00} because I had to make up for my " late '' payment in XX/XX/XXXX. The payment was immediately reversed. I am in a situation where I have the necessary funds in my bank account and for no reason whatsoever I can't make a payment. Eventually this is going to impact my credit and it is through no fault of my own. I am attaching a screenshot of what my issue is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts that I have are under forbearance with the COVID-19 protocol that no payments were due until XX/XX/2022... I have been getting harassing emails, phone calls and letters. 

The accounts are up to date until the forebearance period is over. 


These accounts are well over XXXX XXXX XXXX and should have been removed from my credit but illegal collections activities are making this very stressful Please resolve
Product: Credit reporting or other personal consumer reports

I tried to freeze my credit reports at all 3 providers. XXXX XXXX and XXXX, not a problem, signed up for free and froze. Experian I followed similar path. Had to provide credit card but was not clear I was being charged for anything ( i followed links for free credit freeze ). Received a {$24.00} charge. Tried to call or go online to dispute - not way to speak with anyone and no way to dispute. This was within 7 days of the charge. Automated phone system will not transfer you to person and keeps asking same questions in a loop. Tried to send messages through 'contact us " portal - kept getting error message and 'try again later '. 
I had to navigate site multiple times to find out how to cancel my membership but did it. No comment on refunding my initial charge - only that my cancellation takes place at the end of the month I paid. 
Very fraudulent and deceptive business practices. Also, as credit agency, I should have free control of my credit with them- they should not be charging me to freeze or unfreeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for a business account and was denied because ChexSystems shows a delinquent amount not paid for {$410.00} which was filed on XX/XX/2020 to XXXX XXXX XXXX XXXX. I called XXXX XXXX ( XXXX, Product Specialist XXXX XXXX ) discovered that the IRS used my social security # and gave it to a business to use as their EIN #. This company ( which they would not give me the name of ) is the one that is delinquent for the amount of {$410.00}. 

I emailed the IRS on XX/XX/2020 and they replied back to say " We were unable to locate any specific guidance regarding this on theIRS.gov website. 

I mailed Chexsystems on XX/XX/2020 explaining issue and have not received notification back. 

Please help me get my social security removed as an EIN for this company by contacting the IRS. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute request with the credit reporting agency where I advised that a collection account listed as XXXX XXXX XXXX XXXX / XXXX XXXX showing on my credit report was a result of Identity theft at that time I provided proof of the account, the police report and a letter stating the accounts was a result of ID theft as communicated to the collection company the credit bureau has refused to remove the account from my credit file dispute being notified I provided my ID, police report and proof of address in this letter please assist me in resolving this matter
Product: Checking or savings account

on XX/XX/2022 an incoming wire for {$33000.00} was sent to our company 's ( XXXX XXXX ) checking account. As of XX/XX/2022, the incoming wire has not reflected on our bank account yet, we contacted Bank of America in regards to the transaction, the institution is holding the money with no specific reason and/or no turnaround time as to when these funds will be release, every time we call in, they do not say the reason why the funds are being held or give us any information whatsoever to why the funds are on hold. This is causing us to be late on payable transactions from our company and due to this money being held, payments due are accruing late fees
Product: Payday loan, title loan, personal loan, or advance loan

I have been a member of Cash Advance Now since last year. On XX/XX/XXXX I was eligible to take out a loan of {$700.00} the payments were {$84.00} weekly on XXXX. I had gone out of town XX/XX/XXXX due to a family emergency. When I returned my hours have gotten cut I had requested to revoke my ACH until I was able to get back on my feet. On XXXX XXXX I reached out to CFPB and I received a response on XXXX XXXX and the response I received was that I made partial payments and that Cash Advance Now is willing to make a settlement of {$440.00} The payment plan began on XXXX XXXX of {$44.00} XXXX XXXX XXXX payments. I reached out in XXXX and asked if I can make my payments monthly instead and my first monthly payment was XX/XX/XXXX of {$75.00}. The second payment was XXXX XXXX of {$75.00} and the last payment was made XXXX XXXX of {$75.00}. I was affected by XXXX XXXX and because of that my hours were cut because my job closed due to the XXXX  and I was out of work for XXXX days. I asked if I can move my payment and it was deferred to XXXX XXXX of {$75.00} making the maturity date to XXXX XXXX. I am trying to get back on track the balance on this settlement is {$170.00}. I am on a fixed income and I am barely getting by and I have been struggling financially for a year and a half and I have Doctor 's Appointments which is costing me money. I do not want to be struggling I would like to settle for what I have paid towards this loan and close the account. I look forward to a resoltion to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, I demand that you exercise your GRAVE responsibility, IMMEDIATELY block and DELETE these inaccuracies, this fraud from my credit report and file. Until TRANSUNION abides by the law and cease unfair and inaccurate reporting, as a consumer I continue to suffer. I look forward to your immediate attention regarding this matter. 

PLEASE SEE ATTACHMENTS
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about the handling of transaction disputes on XXXX. 
This is especially highlighted in the recent CFPB lawsuit and investigation with the platform. Ive been using XXXX frequently over the years and despite notifying the financial institutions and XXXX of discrepancies or unauthorized transactions, they have failed to investigate these claims and have allowed rampant fraud to continue on their platform.
Product: Credit reporting, credit repair services, 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 items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected : 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 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: Checking or savings account

XX/XX/2021, I called the bank to complete a wire transfer. Since I am in MA they do not have a branch but they have Advisor offices. WF started to allow me to go to an Advisor office be certified and then a local office ( branch ) would make the wire transfer. They told me they would set this up and call me back in " 6 minutes '', after 5 hours no call, I then followed but they had no record of any of these actions. After discussing this with approximately 12 people in WF I arrived at square one. I called the Advisory group in XXXX and they are not even in the office. I called a local XXXX XXXX branch that states they open at XXXX with lobby and drive-in and not answer. I called the Executive Advocacy and they said they have 10 days to respond to me. They have totally road block me to make a wire transfer.
Product: Money transfer, virtual currency, or money service

My father passed away and left me with XXXX XXXX. His bank initiated a wire transfer on XX/XX/21 and funds were deposited into my PNC account on XX/XX/21. The XXXX  to dollar exchange rate in those 3 days ranged between XXXX and XXXX. PNC applied an exchange rate of XXXX, basically 'skimming ' more than {$3000.00} from the amount deposited into my account. Prior to executing this transaction I had researched PNC ACCOUNT AGREEMENT FOR PERSONAL CHECKING ( see attachment ), PNC Performance Select Features and Fees ( see attachment ), and PNC Foreign Currency Services for Travel ( XXXX XXXX XXXX ) : there is no mentioning of a foreign currency 4 % mark-up ( or in this case mark-down ) on international wires. 
This egregious lack of transaction transparency on PNC side runs against UDAAP principles and results in customer harm : if the foreign currency mark-up had been properly disclosed I would have chosen another institution to deposit those funds. I have taken the time to call PNC Executive Client Relations team several times to get to the bottom of this, but so far they have not provided any answers.