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

I bank with Wells Fargo Bank, in XXXX XXXX, SD. Last week, they had Cancelled my Debit Card, WITHOUT my knowledge because they said that I had filed a Fraud Claim & that I, myself, had Requested that they Cancel my Card. They said that they have sent me a New Card, but I still haven't received it. I did NOT request them to Cancel my Card & I did NOT file a Fraud Claim. Someone also said that I was Told that my Card would be Cancelled. That's also not true because I filed the Claims online, not on the phone.

* Today, I went into my Account & Checked out how my Disputes are handled. Most of them said " Closed '', but they did Not say whether or not my money was Refunded... they just said Closed. I called & asked what CLOSED meant. XXXX said CLOSED meant that the Charge was Valid & that they did not Refund my money. Now, I Have had Charges that they Refunded in the pass, but I also noticed that it was quite a while ago.

* My issue is they Do Not tell you what the Results of their Investigation are. The Disputes just say " CLOSED ''. By Not telling me what CLOSED means, I don't know their reason for not refunding my money ... nor do I have an option to agree or disagree with their decision. 

* I checked out my most recent Dispute and found that they had Combined 3 different Disputes in to One. There were actually Two Claims. One was for {$12.00} thru XXXX to a Company called XXXX, I Cancelled that {$12.00} Dispute because I realized that I HAD made that purchase. 

* However, there were 2 other Charges for {$6.00} each made by XXXX, that did Not go thru XXXX. I Disputed those 2 charges. I called & talked to XXXX & asked why they cancelled my Debit Card. He said they Cancelled my Card because I had filed a Fraud Claim & that they automatically Cancel the Card when a Fraud Claim is made. I said I did NOT file a Fraud Claim. I filed a DISPUTE Claim. I Disputed the 2 {$6.00} charges because I didn't Approve or Authorized those Charges. He insisted that Filing a Dispute Claim is the Same a filing a Fraud Claim. I thought, so why don't they just call it a Fraud Claim instead of a Dispute Claim. I asked him his Last name & he hung up on me.

* Now, I'm Afraid to filed a Dispute because if I do, they will cancel my Card. What a wonderful way to keep people from filing a Dispute. If they File, they will lose their Debit Card without any Notice. Still waiting for my Replacement Card.
Product: Mortgage

I closed on a mortgage with XXXX Mortgage XXXX NMLS # XXXX on Wednesday XXXX XXXX, 2015. My first payment was due XXXX XXXX, however, I sent it in early and it cleared my bank of XXXX XXXX. I then received a notice from XXXX XXXX XXXX Mortgage on XXXX XXXX that they were transferring my mortgage to Central Mortgage Company NMLS ID : XXXX. I received a notice from Central Mortgage confirming transfer, however, they are saying that I still owe my XXXX XXXX payment. I have tried calling them about XXXX different times, however, their phone number has been busy and they have not responded to my email. I find the lack of contact information on their website or any way to contact an actual person to be very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to reinsert this trade line. The information isn't correct or mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax numerous dispute letters as well as faxes regarding reinserting these fraudulent accounts below : 1. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance {$1100.00} 3. XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$36000.00} Inquiries : XXXX/XXXX | Date of Inquiry : XX/XX/2019 XXXX/XXXX   | Date of Inquiry : XX/XX/2019 XXXX | Date of Inquiry : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been told my ex husband opened a XXXX phone account without my knowledge using my information after we were divorced. I said no knowledge of the account that he purchased online and used my information. have a {$3500.00} bill with a collection agency who I have told numerous times that that is him and not me. I was actually in the hospital most of XXXX so when charges were being made I was not even around. They have now put a derogatory open collection on my credit report and Im trying to get them to take it off they are extremely rude and mean and will not listen to the fact that I have told them my husband is a felon and ran hes wanted I have no idea where he is so I am unable to locate him. I need this off my report so I can get my new house through the USDA.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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 card

I get a report of Having a J C Penney credit card who does n't belong to me but to my mother who pass away 2 years ago. I want this account to be closed and removed from my credits reports immediately. This account does n't belong to me please removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to upload this information via https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta, Im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.
Product: Mortgage

I have purchased an house since XXXX, in other for my family can have a roof on their head. And the kids would have a safe place to stay after school and do their homework as well as my wife would feel less stress after work. 
Unfortunately, we have been struggling paying our mortgage on time or not be able to keep with the regular payments. Due to slowing economy or jobs situation and the worst of it, was the high interest rates. I have requested a loan modification where the payments would be lower where we can be able to afford the payments, but lender refused and sped up with the foreclosure process on my house. 
According to the legal papers from their attorney the house has been foreclosed last month XXXX XXXX, XXXX. But, until now my family is still living the house. We have n't received an Eviction letter or the XXXX not kicking us out yet. I am writing you, to intercede for my family not let eviction happens until the lender reverses the foreclosure sale and give me a loan modification under the XXXX.
Product: Checking or savings account

First, I am XXXX yrs old, and on Social Security benefits as my income. As hard as I try, occasionally I am overdrawn when my bank, Bank of the West California, pays a programmed AutoPay bill on the XXXX of the month. I do not get my next SSI deposit until XXXX XXXX, XXXX. It will be more than two weeks before I can sort this out even though I have been a good customer for many years.

The bank will pay this even though I do not have Overdraft Protection. I also had one other account that tried to bill my account but that was only for {$15.00} so I guess that wasn't important enough for them to bother.

However, are there not rules against Usury? Being charged {$35.00} for an overdraft of {$88.00} is one thing, but then the bank threatens to charge an " Extended Overdraft '' fee for more than five ( 5 ) days! Isn't this called loan-sharking? Another {$35.00} for {$88.00} for five days? Give me a break. I am a senior and the bank makes lots of money on many, many fees. 

Is there any way you can not only help me with this instance, but also in getting the banking laws changed to prevent this kind of predatory behavior? Man, since XXXX, and passage of the Dodd-Frank XXXX XXXX XXXX have not seen anything but consolidation of the financial industry and a deterioration in service and an increase in plain old XXXX  and no one does anything about it. 

Your assistance is greatly appreciated, XXXX XXXX XXXX XXXX XXXX since XXXX
Product: Debt collection

in XX/XX/2018 I attempted to remove 3 collection accounts from my XXXX and XXXX   credit profile.The acounts are inaccurate and they have not verified the contract between me and the following 3rd party collection agencies. I'am not liable to pay any 3rd party debt collection agency as the original debtor has already been compensated for such losses through taxation or insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. My information was also impacted by the equifax data breach and May have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continuously violated my consumer rights. I've disputed this account multiple times and they have failed to add this to my consumer report in the comments section.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.
Product: Debt collection

I received a statement from XXXX XXXX for {$28.00} the statement date is XX/XX/XXXX, I paid this amount through my XXXX XXXX, on XX/XX/XXXX, in the amount of {$28.00}. I was recently contacted by Receivables Management Systems. I was unsure if I had resolved this or not but I was sure I made I payment and the balance was incorrect. I contacted RMS and disputed the amount and asked for a settlement to attempt to resolve. After further review, I located the statement from XXXX XXXX is says I owed {$28.00} from XX/XX/XXXX. I have not been back to Patient First because I'm 100 % XXXX  and have all of my healthcare provided to me by the VA. I should not owe any monies to XXXX XXXX or the company the gave the debt to for collections. I will attach both the statement dated XX/XX/XXXX from XXXX XXXX and the check that cleared from XXXX XXXX. I will also include the initial contact letter from RMS.
Product: Mortgage

In  XXXX  I bought my home and I obtained a  1st and 2nd  mortgage. In   XXXX   I filed chapter  XXXX  and all my debts wer e discharged except for the 1st mortgage. The 2nd  mortgage that  Real Time Resolutions   XXXX   XXXX  tried to collect in my bankruptcy was  discharged.  The only loan that shows on the property as of today is my  1st mortg agee   XXXX   XXXX   XXXX  . There is no record of any other parties on this property  at County  records in   XXXX   XXXX  , Ca.   My son and I are in escrow to REFI th e 1st lo an and I was notified that there is a LIEN on my property by REAL TIME RESOLUTIONS INC.I called Real Time resolutions and they said I owe them {$180000.00} which was the amount due back in  XXXX . They told me also they are charging 10 % interest so as of today I owe them {$380000.00} and growing each day. They told me  Yes t he {$180000.00} was  discharged in my ch apter  XXXX  but they have the write to keep a lien on my property until paid. The company that filed the lien electronically is Mortgage  Electronic Registration Systems. I have attached information showing the Scam.  M.E.R.S. was formed by the banks to file electronic liens on thousands of bad loans and the homeowner has no idea until they sell or refi then the nightmare begins ... Please help me so we can expose this scam and put these guys out of business. Alot of people are settling with these guys please help us all ... ...
Product: Debt collection

We voluntarily surrendered our automobile to our bank, USAA. They picked the vehicle up and stated it would sell the vehicle at auction and we would be responsible for the deficiency. At the time we owed approximately {$14000.00} on our XXXX XXXX XXXX. 
On XXXX XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of USAA . He stated I owed {$16000.00} for the deficiency on the XXXX. I asked what the vehicle sold at auction for because this amount is significantly more than I owed on the vehicle at time of surrender. 
XXXX said he does not show the vehicle was sold, I just owe the balance! I asked for clarification and confirmation that the vehicle was taken to an auto auction to be sold as I was told would happen. He said he could not provide any information, other than that I owed money over the phone. He said I would need to submit a request in writting for information on the vehicle and sale. 
I submitted a written request via email as i was instructed to XXXX, I requested an amortization schedule from loan origination to charge off.The original terms of the contract per the TILA, Payoff and Balance at time of the sale, amount the vehicle was sold at auction for, the name of the auto auction that the vehicle was taken to, the name of the repossession company and a case be opened for my complaint also that they provide me with a case number and Point of Contact to get this resolved.. 
All train did not respond to me so submitted a follow up email on XX/XX/XXXX. I still was not responded to and submitted a 2nd follow up ( 3rd attempt to contact ) on XX/XX/XXXX. 
I have not received any notification that they have resolved, corrected or investigated this. However the charge off and balance still shows on my credit report. 
It is my belief that either the repossession company or an employee at XXXX/USAA took possession of the {$100000.00} car and charge the balance off against me. 
I need help to get his resolved. 
I am a XXXX XXXX XXXX Veteran and XXXX  struggling to keep my business open post COVID and this is impacting my ability to get credit and assistance. 
Please help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX extended electrical service to someone using my stolen social security number only. No photo ID was required. When the bill was not paid, they turned me over to XXXX XXXX  came after me and wrecked my credit causing me considerable harm and damages. It has been a full time job to correct this mess due to their negligence and failure to confirm identity before extending credit.
Product: Credit reporting

This letter is my formal complaint, and ask you to investigate the business practices of Trans Union. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

They have no Verifiable Proof ( an original Consumer Contract with my Signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. Their failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting or other personal consumer reports

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 XXXX, filed on 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 : TRANSUNION 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, 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. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit account with you remains compromised. Despite submitting an FTC fraud report XXXX XXXXXXXX  it appears that items are not being removed. On XXXX XXXX XXXX  following the purchase of a credit report from XXXX, I discovered unverifiable information on my personal profile. The presence of charge-offs, collection accounts, and inquiries continues to adversely affect my credit records. Regrettably, despite my consistent efforts, which include monthly credit report purchases and ongoing disputes through XXXX XXXX, no remedial actions have been taken on your part. In response to a call to your department, I was advised to submit a written request along with a copy of the identity theft report ( FTC report # : XXXX ). I have had no transactional history with the items listed below. Therefore, I urge your assistance in promptly removing the charged-off collection accounts and inquiries, along with correcting inaccurate information on my personal profile. Enclosed with this written request are copies of my Proof of Billing, Drivers License, and Social Security ID. Please address this matter expeditiously. Kindly delete the following fraudulent items : -- -- -- -- -XXXX 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 XXXX XXXX XXXX -EQUIFAX 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: Bank account or service

The bank just repossed my car today. They claim the do not have give me written or verbal notice to do so. The bank is Huntington Bank in Ohio. This problem started with them on XXXX/XXXX/15 when I called to reschedule an automatic withdrawal from my checking account to Friday XXXX/XXXX/15. On XXXX or XXXX they took the money out and my account was overdrawn {$350.00} plus fees and other debits there after for total of {$450.00}. However it took them until XXXX to send me a check. I have been behind on my bills and budget since. So today they punish me and take the car.I ca n't believe they can do this without notification. Can you please help? I would like my car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I mailed Equifax a letter stating what PERSONAL INFORMATION needed to be corrected. That information was : My Name Address Phone Number. 

XX/XX/2022 Equifax received the letter outlining the information that needed to be corrected ( letter sent certified with tracking ). Information is still incorrect. Address is incorrect. This is my third request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of do to malpractice while several laws were being broken under the FCRA by this company. This has cost me financial injury, this has cost defamation to my character. I can't get certain jobs, I can't apply for credit, I can't get an SBA loan do to the pandemic under this crisis. They have hurt my ability to obtain credit.

It has been 90 days and they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 61 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.