23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

COMPANY IS FABRICATING XXXX : XXXX ) COMPANY IS STALLING ON COMPLAINT # XXXX : CFPB DOES NOT PROVIDE FEEDBACK TO THEIR FALSE STATMENT OF NOT BEING ABLE TO CONTACT CUSTOMER. 
AS THEY HAVE REFUSED CALL ( S ) IN TGHE PAST 2 ) THIS TIME AROUND THEY RECEIVED A CAPTIONING RECORDED MESSAGE THAT THEIR CONTINUE STALEMENT TILL XXXX XXXX, 2022 ENCOMPASSING MULTI AGGRECIOUS & OVER CHARGE/ INFLATED DEMAND NOW FOR ADDITIONAL FEES IS NOT ACCEPTABLE.

3 ) THEY HAVE BEEN ADVISED THAT LEGAL AID OF SOUTHERN NEVADA ASK A LAWYER PROGRAM HAS STATED THAT WELLS FARGO HAS A EXTENSIVE REPUTATION OF ABUSING CONSUMERS THIS DELAY HAS RESULTED IN OUR REQUEST TO PUT A STAY ON ALL FUTURE MTG. PAYMENTS UNTIL THIS MATTER IS RESOLVED WITH A REFUND OF INFLATED ESCROW CLAIMS BY WELLS FARGO.

THEY HAVE RECEIVED THAT MESSAGE FOR A STAY BY A CAPTIONING RECORDED MESSAGE TODAY ( XXXX ) 4 ) PEOPLES MTG. KNEW OF THIS STRUCTURAL DAMAGE TO THE BUILDING BUT PROCEEDED TO FALSIFY DISCLOSURE TO WELLS FARGO.

WELLS FARGO INTER PURCHASED A MTG. DAMAGE PROPERTY THAT DUE TO THE EXTENSIVE DAMAGE THE PROPERTY HAS ZERO VALUE UNTIL THE ENTIRE COMPLEX IS EITHER CONDEMN OR SOLD FOR THE VALUE OF THE LAND WHICH HAS BEEN DETERMINED TO HAVE MASSIVE WATER ISSUES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a verification of accounts request to TransUnion in reference to XXXX BK accounts that appears on my credit report with them. I have documentation that Transunion received the request for method of verification on XX/XX/XXXX. Allowing them the 15 days to provide the requested information. I then sent them a XXXX letter on XX/XX/XXXX asking them to delete the information as they never responded to the method of verification letter, for which they received this request on XX/XX/XXXX as per documentation. I then sent another request for deletion as per non response on XX/XX/XXXX for which they received on XX/XX/XXXX. Now in the cross I received a notice from TransUnion finally dated XX/XX/XXXX which is well after 15 days or even 30 days after receipt of the first request on XX/XX/XXXX, stating that the accounts were verified as accurate. However ; they did not include whom verified these accounts to be accurate. I reviewed my credit report and it states that TransUnion uses a third party to verify this information, however their letter did not state from who. On XX/XX/XXXX I called TransUnion and spoke with a supervisor by the name of XXXX who stated to me that they use XXXX XXXX as their third party verification and its just a computer base verification. So I called and spoke with XXXX XXXX and they started an investigation of their own as they state that they are the third party reporting agency for TransUnion. In the meantime I once again asked TransUnion to remove the accounts. On XX/XX/XXXX TransUnion sent a notice stating I could no longer dispute these accounts unless I had other/new documentation. I received from XXXX XXXX documentation stating they were unable to verify the validatity of XXXX of the accounts and have removed them from my report. I sent this information to TransUnion of XX/XX/XXXX with the documentation from the XXXX party vendor for which they stated they used to verify these accounts advising that per their investigation the accounts has been removed. TransUnion received this information on XX/XX/XXXX and still have not removed the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries were not made by me : COAF XX/XX/2022 Capital One XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 I believe it is fraud and want them removed immediately and indefinitely.
Product: Mortgage

My mortgage account was transferred from XXXX XXXX XXXX XXXX to SLS in XXXX XXXX. I made the XXXX payment to XXXX and the XXXX payment to SLS. The statement I received from SLS showed a mortgage payment amount that was higher than the XXXX payment. Upon contacting SLS they informed me that part of the payment was escrow of taxes and insurance and part of it was 'fees ' SLS paid to XXXX on my behalf. However, they did not know what the fees were for. I informed them that I pay my own taxes and insurance so there should be no escrow fees. I also advised them that I needed to understand what the other fees were for. They said they did not know what the fees were for. My initial call to them regarding this issue was in XXXX of XXXX. As of today, XXXX XXXX, XXXX, SLS is aware that I do not escrow and they still contend that they do n't know what the other fees are for although they expect me to pay them. They have all the correct documentation that the tax and insurance payments are current. However, they have not adjusted the statement nor have they applied the XXXX payment to the mortgage. They have applied the XXXX payment to the mysterious 'fees '. This company 's practices are predatory in nature and their license to act as a loan servicing company should be revoked immediately. The only recourse I have to avoid a late payment on my credit report is to pay the additional fees they are extorting from me. I had NO idea they had not applied the XXXX payment until I reached out to them on Friday, XXXX XXXX, XXXX. At NO point have they tried to contact me regarding a late payment. I also contacted XXXX regarding the issue. XXXX was very clear that they NEVER communicated to SLS that there was an escrow balance. This further convinces me that SLS decided to add escrow fees to my account in an effort to extort other fees, e.g. late fees, on my account that I would be forced to pay. Stop these criminals NOW.
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. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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: Debt collection

I have sent numerous of dispute letters asking for validation, after I received calls saying I was going to be sued for a debt of I didnt pay. Syed every attempt my credit report has been updated but I have never received the validation.
Product: Checking or savings account

I received a mail ad in   XXXX   saying I can get {$200.00} bonus by opening a checking account and completing direct deposit tasks. I followed the instruction on the ad and applied for one checking account online and the application was pending.
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On XX/XX/XXXX , I received an email and a call from one USBANK employee asking to verify my ID. In the email I replied to her, I asked her to confirm I have entered the promotion code and could get my bonus. She opened the account, sent an email to me with my account information and ignored my confirming request.
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On  XX/XX/XXXX , a few days after I finished my first direct deposit, I emailed usbank and asked about my welcome bonus. The usbank employee confirmed that he saw my direct deposit and asked me to finish another deposit and waited for 6-8 weeks before USBANK could apply the bonus to my account. So I did and waited for 8 weeks.
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I emailed USBANK in mid   XXXX   and this time USBANK claimed they could n't see my promotion code. I sent them the previous emails between me and USBANK and the USBANK declined my request.
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I am sure I entered my promo code and even if I did n't, I had asked confirmation from 2 USBANK employees and asked them twice to confirm my bonus and they had 2 chances to tell me there 's no way I can receive one. Instead, the first employee opened the account and dodged my question and the second employee who had clearly pulled out my account information to confirm my direct deposit, deceived me into finishing another direct deposit and holding the account for anther 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. Experian will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

XXXX is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX ( needs to be removed ) XXXX U.S. Code 1692e - False or misleading representations XXXX  Account Number XXXX ( showing different account number not accurate ) 15 U.S. Code 1692e - False or misleading representations XXXX XXXXXXXX ( identity theft ) Account Number XXXX ( please removed ) XXXX5 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX XXXX to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

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

Wells Fargo closed my account on XX/XX/year> saying I was a security risk ; die to claims that I have filed because my information was comprised I have always been honest with my claims and told the truth my bank information was used for transactions that I did not approve of so I called them and let them know and they informed they were closing my account and multiple representatives told me different things and this will affect me getting another account. I am heartbroken because I have been with wells fargo for a long time
Product: Credit card

in XXXX of XXXX  four accounts were placed under the XXXX as an umbrella for other business accounts. In XXXX We closed all businesses and accounts. We used a debt consultation company but Capital one would not work with them because these accounts were under the XXXX. I officially closed these accounts and made and was told the online access would remain open and we would work on a settlement option to settle the accounts under a payment option. The day I closed the accounts I was locked out of all information. I lost the ability to get access to past and current documents because I was lied to. We were charged inflated and undue charges. They said on the phone it was late fees ( we were current ) and over the limit fees and higher interest fees. I to this day have never seen billing or accounting of this. The the fees were about doubled when reported on the credit report. The credit report shows all XXXX accounts are over the revolving limit and currently late and in collections. In 4 years I have had no written communication. These should be reported under the EIN number for XXXX and not under our personal report. Capital One has said they would report one thing but does another. They said they were sending account files that I never received. Keep changing dates of closing and late fees on credit reports.
Product: Debt collection

I am appalled by your disregard for my requests to investigate and remove inaccurate information from my credit profile. Despite multiple letters, including my previous attempts to resolve this matter, you have failed to take action. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to honor such requests promptly. Your ongoing negligence is a clear violation of this law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX XXXX, I applied for the XXXX XXXX XXXX XXXX program offered to me through mail by Student Loan Care , LLC. They added a 3rd party company named XXXX XXXX to finance what I thought was my federal student loans being rolled over to their company to be repaid. I expected that my federal loans would be rolled over to XXXX XXXX, but unfortunately, I later found out that the {$1400.00} that I was to pay in payments of {$42.00} a month was actually a FEE for their so-called services. I called my federal loan servicer and they had never heard of these 2 companies and my accounts were not in any kind of process of being rolled over. They were deceitful in their information and I feel that I was n't fully informed when I signed the contract. I have a high amount of student loans, I work two jobs, and have a young family and I was desperate for help with my loans. I feel embarrassed and frustrated to have fallen for this scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I had XXXX XXXX  done last year and took advantage of zero interest for 12 months which was due to expire XX/XX/2020. My wife scheduled the final payment of {$570.00} through our credit union on XX/XX/2020 to be paid XX/XX/XXXX. The payment was processed and reached Comenity - XXXX XXXX XXXXXXXX    XXXX XXXX of XX/XX/XXXX. I received a bill for {$480.00} for interest charges. 

I contacted Comenity on the XX/XX/XXXXwho opened up a complaint with their office in Ohio. I followed up with a letter explaining my position that my final payment reached their office prior to the expiration of the zero percent financing and I should not be responsible for their processing. They indicated that the payment didn't clear until XX/XX/XXXX and therefore the interest offer was cancelled. I have also contacted the XXXX XXXX XXXX who recommended I contact your agency.
Product: Vehicle loan or lease

On Friday XX/XX/, I had applied for a loan to purchase a XXXX XXXX  through Synchrony Bank. I only filled out one application. The next day I got 4 hard inquiries when I should have only received one. I left the lady who called me during the credit application process at Synchrony and voicemail but did not receive a call back. I called XXXX XX/XX/XXXX  to notify them of this report, and they helped me with creating a file number under XXXX.
Product: Checking or savings account

I have a relationship with Truist bank for almost XXXX  years, when it was a SunTrust and BB & T banks.

My Travel Rewards credit card opened with them for XXXX years and I use it very frequently. 
The card has good cash back rate, I travel very frequently and book my tickets and reserve hotels using it. Most of my trips are in business class and plan my travels in advance. Also I use this card for my everyday purchases, which are obviously becomes frequent because of XXXX and XXXX XXXX time. 
Because of the expenses, I had to ask my housemates to transfer me money using XXXX to pay my credit cards balance. 

Early morning XX/XX/XXXX, when I was in XXXX, I got a call from Truist bank. 
The lady from fraud prevention department asked me who is XXXX XXXX and XXXX XXXX, the people who sent me money. And she said that bank will always verify this type of transactions. 
I explained her that they are my housemates. XXXX XXXX is my common-law and she sent me money from her bank account in XXXX- it was XXXX {$4200.00}. She even was next to me at the moment of call. 
XXXX XXXX is my ex-wife and she sent me XXXX = {$8700.00}. 
I spend money on both of them using my credit card, thats why XXXX expected this transfers. 
I will attach their ids, so you can verify that its not a business related transaction. It was just a transfer to pay my credit card balance to make a purchases. 
We are all live at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I use my Truist checking account as my primary and I have all expenses connected with it - my mortgage, utility bills, internet etc. 
I have a business account in the same bank and do there my business related deposits. I never mixed it with personal. 
So now I have no access to the account and my credit card anymore, because Truist restricted my online access. 

Is it a perfect XXXX gift for me being a loyal bank customer for more than XXXX years? I always recommended this bank to my friends. 
And of course Im aware that XXXX is for family and friends transfer. But why Truist bank restricted my account because my close people living with me together transferred me money?
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES 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: Debt collection

I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX   lic. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.
Product: Money transfer, virtual currency, or money service

IM HAVING PROBLEMS WITH PAYPAL SERVICES I HAVE CLIENTS THAT PAY ME THROUGH PAYPAL AND THEY ARE HOLDING UP MY FUNDS I GAVE THEM EVERYTHING THEY ASK FOR KEPT GETTING THE RUNAROUND NO ONE SEEMS TO CALL BACK AND TELL ME THE PROBLEM OF THE SITUATION I AM RUNNING A XXXX XXXX XXXX THAT OFFERS REPAIR CREDIT AND BUSINESS CREDIT. THIS HAPPEN ON XX/XX/2021. 

MY BUSINESS IS CALLED XXXX YOUR CREDIT I NEED THIS PROBLEM FIX ASAP AND PAYPAL STILL HAS NOT SEEMS TO RESOLVE THE ISSUE THEY CAUSED
Product: Payday loan, title loan, or personal loan

I took out a loan with Big Picture Loan on XX/XX/17 for {$470.00}. The interest rate is 544 % which is way over Oregon 's legal limit. I have already paid {$650.00} on this loan. When I checked my account details it says I still owe {$450.00}. I was not aware that almost all the money I have paid so far has only gone to interest on the loan. I have already paid what I borrowed, plus more in interest. I will never be able to pay off this loan at this rate.
Product: Credit reporting

I am a victim of Identity Theft and have submitted all proper documentation required by Experian in order to prove my case. Police Report, FTC Identity Theft Report, Legal Notice and personal ID and according to the Fair and Accurate Transaction Act of XX/XX/2003 requires that bureaus block and delete any information that was the result of Identity Theft FACT section XXXX FCRA Section XXXX. Furthermore, in XXXX ( My home State ) If you are a victim of Identity theft ( as defined in section XXXX of the XXXX ) section XXXX of the california XXXX XXXX gives you the right to BLOCK reporting by consumer reporting agencies of information that appears in your credit report as a result of the Identity Theft. So please comply and remove those fraudlent accounts immediately listed in the FTC ID Theft Report enclosed.
Product: Debt collection

I was rear ended in a car accident XX/XX/XXXX Hired attorney, XXXX to assist. He sent me to XXXX XXXX. I went there for about six months with no relief. I never signed a piece of paper or gave them a credit card or received a bill of any kind from these people. I had to fire my attorney and hired XXXX to handle the case which was finally settled in XX/XX/XXXX. 

I received a phone call from the XXXX and referred him to XXXX, my attorney, who told him the case had been settled, that no bills had been submitted to him, and that no money was due. 

The XXXX called me over the phone and told me I owed him {$5000.00}. I told him I had received a very small settlement and all bills had been paid from them and that I never signed an agreement paperwork or a bill of any kin from him. He said he was going to collect his money and that he was going to have collections come after me, which he has done and my credit is now ruined due to this mark on my character. 
He turned it over to a collection agency and reported it to all XXXX credit reporting agencies. I am XXXX have worked my entire life to have good credit. Before this mark on my character, my report was XXXX. He has done serious damage to my name and reputation as I am a respected person in the community. XXXX turned it over to capital accounts llc who have been harassing me over the phone.