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

Recently I filed a complaint with Wells Fargo and I am not happy with the response. Wells Fargo has provided previous bank statements showing another authorized user on my accounts but has not provided any signature cards or any written documentation that proves that " I '' added another person to my account ( s ). The instance of me removing the other user on XXXX XXXX is also questionable as I previously explained this person is a police officer and very manipulative. I attached documents pertaining to a restraining order that I had on this individual for intercepting other accounts. The years in question XXXX are also involved in other legal matters that have been tampered with in another matter. I 've also received notifications from Wells Fargo concerning class actions against the bank for opening accounts without user consent. Again I have a letter from the branch manager saying there is no written documentation of me adding anyone to my account ending XXXX. I have obtained legal representation for this matter as I will continue to pursue intensely.
Product: Student loan

On XX/XX/XXXX I was falsely mislead into believing that in order to get my student loans back on track, I needed to sign up with this company, ARETE FINANCIAL FREEDOM LLC. I was coerced into doing this when I fully disclosed a XXXX XXXX to the loan specialist I was speaking to. I was told that my student loans would be consolidated and I would be put on a Public service loan forgiveness program. To enter into this, I had to pay an upfront service fee of {$790.00} and monthly maintenance fees of {$39.00}, in which a portion of that would be going to my student loan provider. All of which I did. 

On XX/XX/XXXX and XX/XX/XXXX I received emails from XXXX XXXX ( My student loan provider ) reminding me that I needed to submit annual documents by XX/XX/XXXX. ) On XX/XX/XXXX I emailed Arete asking if I needed to provide anything to them and alerting them of recent emails from my loan provider. I never heard back from Arete, so I called XXXX servicing. At that time, I was informed that I was not enrolled in Public Service Loan Forgiveness, and that they had not received any payments from me in over a year. I was also told that a company can not charge any up front fees and that every " service '' that Arete was charging for could have been accomplished for free. 

On XX/XX/XXXX I called Arete Financial and asked for a cancellation of agreement. Person on phone was avoiding my statements. I asked to speak with a supervisor and was told no. I asked for the compliance department and was told that someone would contact me on Monday. I asked again to terminate contract and was told I would not get a refund for " services '' I asked " what services? '' The person on phone told me that the monthly service fee was for " all the time spent on the phone '' XX/XX/XXXX No one from the compliance department at Arete contacted me so I emailed Arete to terminate my contract agreement. I also cancelled my debit card. XX/XX/XXXX I emailed Arete requesting that my money be refunded. 

XX/XX/XXXX Arete refunded me {$350.00} ( equaling amount of monthly maintenance fee 's I had paid to them ) XX/XX/XXXX I emailed Arete asking for the remaining {$790.00} and offering to call it even if they were to give me back half of that amount ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency XXXX XXXX Despite sending them a debt validation letter requesting proof of the debt on XX/XX/2023 they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.
Product: Checking or savings account

We recently refinanced our home and paid off our HELOC with US bank. Several weeks later we found out that they had made a deposit into that account ( in error ) without our knowledge. Since we used this account only for home improvement draws we would have had no idea that this had happened. That account was paid and closed at end of Refi, they have reopened the account and made it negative XXXX $ to recoup their error money and are now charging us overdraft fees for being in the negative. I couldn't get much of an answer form the local branch other than they expected the balance to be paid in full in 60 days - we don't have this kind of money. When they reached out to tell us about this several weeks ago we had no idea what was going on so they said they would send us all of the documentation to back up their claim - they never did and reopened our account to negative in the meantime. This ( if it's accurate ) could have been easily handled when we did our refinance. This is their error not ours and now we will be facing collections if not paid in 60 days.
Product: Mortgage

I submitted my endorsed XXXX insurance check, via Priority Mail, on XX/XX/XXXX, for a XX/XX/XXXX follow-up damage claim from a XXXX insurance company required contractor 's failing work. The amount of the check was over $ 20k and the check and documents were submitted in accordance with HomePoint Financial 's ( mortgage company ) instructions. My endorsed check and documents were received by HomePoint on XX/XX/XXXX. 

However, all the documents needed by HomePoint 's Loss Draft department weren't communicated to me all at once, which further delayed the lengthy processing of issuing a check to my contractor to start extensive repair work. I made numerous attempts in the coming weeks to follow up, via phone ( they wouldn't respond to my secure emails within their website ), on the status of the check being sent to the contractor before I got all the information needed to submit the many pieces of documentation they required to issue a check for less than both the contractor and I requested. The funds were urgently needed to allow my contractor to order materials and schedule me for an extensive repair. 

Every time I talk to HomePoint Financial, they go through a mechanical checklist with me and treat me like a number they don't care about. Worse than that, their story changes every time I talk to them on the phone. Nobody owns the case or follows through with anything in a timely manner to keep the ball rolling. Last Thursday, the contractor and I had started reaching the end our rope and I requested the Loss Draft department send the check to the contractor by the end of the day. They claimed they would pass the message along to their processor. In reality, the check wasn't sent until Monday, XX/XX/XXXX via untraceable regular mail, which runs contrary to their own guidance to homeowners. So, despite my numerous attempts to follow up and speed up the process so I wouldn't get pushed further down on my contractor 's schedule due to his growing workload, they sent a fully endorsed check to the contractor via regular mail ( I sent it to them with my signature via Priority Mail with tracking per their instructions ). Now the check is missing and they advised me to send it via XXXX or XXXX, I would have to pay for it. 

The contractor informed me this morning that he can not hold his current opening ( I've already slipped once due to delays caused by HomePoint ) for me if they don't receive the check today. Although I requested half of the check amount per my contractor 's business policy, HomePoint will only send XXXX and mandates imposing a monitored and inspected process to meter out the next two payments of XXXX each. HomePoint will not issue the remaining funds unless they inspect the contractor 's work 2 more times. So, I have to miss work and make arrangements for the " inspector '' from HomePoint to come to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance, the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy XXXX XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation! 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 anted
ates 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 tried disputing this advising this company that I have never been to this emergency room and I have not been to a hospital in years. So this has got to be fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the XXXX XXXX  and a XXXX  XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2021, and I have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Experian, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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
Product: Credit reporting or other personal consumer reports

I write to address the unresolved issue regarding my filed complaint regarding the negative accounts listed on my letter.
Product: Student loan

I have tried multiple times to pay more principal on my loan but they just apply it to interested no matter how I specify it. I got so sick of trying to do it that I gave up and just pay the monthly amount. 

Also the math on my history and statement just doesn't add up. No matter how I try I cant get the statements to line up on ending balance. 

Lastly I am a stay at home mom. I have XXXX income. I cant change loan providers even if I wanted to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is really starting to annoy me. My name is XXXX XXXX. I am authorizing the disputes of several inaccuracies on my credit report from experian. Please stop closing my compaint and stating that you will not follow through with the investigation about my false credit report. Stop avoiding your job. It is getting extremely annoying and i am close to taking you guys to court. Seriously conduct a proper investigation on my credit file that you have been ignoring to do for over XXXX months already. 

EVERYTHING YOU NEED TO PROVE MY IDENTITY IS ATTACHED TO THIS COMPLAINT IF YOU WOULD JUST DO YOUR JOB AND LOOK. ITS NOT HARD.
Product: Payday loan, title loan, or personal loan

Please see attached Companies that took part in this event : 1 ) Wells Fargo 2 ) XXXX and XXXX ) XXXX and 4 ) XXXX XXXX XXXX XXXX XXXX Wells Fargo and XXXX allowed a dishonest contract to take advantage of an elderly man via a vehicle to get financing. XXXX arranged for this contractor and the contractor solicited business while performing another service. 1. Fraud we have no evidence that he work was completed that equaled the total amount charged. XXXX XXXX XXXX XXXX XXXX will not respond to our requests. 2. Lending practice elderly man was recommended into if you buy today then the price is reduced. 3. No paperwork was left with him to dispute in the 5 working days 4. Signatures are questionable ( at least one ). Elderly man is not certain of what he signed.
Product: Checking or savings account

Chase bank closed me accounts by sending me a letter, telling me they wanted to end their relationship with me and was closing my accounts. 
The letter said they would mail me funds in 1o business days. They did not do that. It has been over 30 days. When I call they give me NO reason for the closure and tell me the account is under review and investigation. However, I owe the bank nothing and they are holding {$35000.00} of mine without giving me any reason why their still holding my funds accept their still under review. This is totally unfair and not reasonable that they can just keep my money when there is no court order or legal authority that has put a hold on my funds. XXXX XXXX and XXXX XXXX told me they are holding my funds fo review, But is has been more than a resonable amount of time for this review and when I all XXXX with Chase Executive she tell me nothing when I ask repeatedly, " why are they holding my funds '' " what are they investigating '' She tells me she does not have a reason. this is crazy. I have no debt and never had any defaults with this bank and owe them nothing. See attached letter.
Product: Credit card

I have been a customer with Discover Card since 2019 and I have never been more than 30 days late on my card. Today, I am on the verge of becoming severely delinquent. As of today, the required minimum payment is {$730.00} based on a balance of {$14000.00}. My most recent payments have been the minimum amounts however given the fact that {$340.00} in interest is accrued every month excluding a {$41.00} late, I am in a difficult situation which is exacerbated given that my only income source is from the Department of Veterans affairs which is currently {$1900.00}, I am a XXXX veteran and last year I had XXXX XXXX, so it has been a challenging time in my life. There is nothing more I would like to do than reduce the debt considerably however its inconceivable for me to make such a large payment. It has been a struggle to even meet the minimum payment and it has caused me substantial XXXX especially considering the disclosure on the Discover statement which states that it would take 59 years to pay the with credit card and achieve a {$0.00} balance but not before a total sum of {$130000.00} is paid. I have already paid thousands of dollars in interest alone with no end in sight. I find myself in an impossible situation and it is distressing beyond words.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are failing to REMOVE files upon receipt of an FTC report. Should you opt not to eliminate the subsequent items listed below, which are inaccurately reported due to errors in credit reporting, I will be transferring my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so I urge you to comply with the law. Kindly remove the following inquiries as they were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX # XXXX XXXX MI XXXX XXXX XX/XX/XXXX -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX. If you assert that these inquiries are 100 % accurate and verifiable, I require copies of any documentation associated with these inquiries and addresses bearing my signature, as I am aware of none. Without such documentation, bearing my signature, I formally request the immediate deletion of this information from the credit file associated with my Social Security number. Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged errors in credit reporting. I do not consent to XXXX or any form of automated verification.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX.