23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I'm including a copy of payments I've made on the account that are paid automatically through a bi weekly program
Product: Checking or savings account

Hi, I'm writing on behalf of my daughter. On XX/XX/XXXX she was the victim of a sophisticated scam that first preyed on her mother, and then her. In short, her mom gave scammers access to her phone via the XXXX app. Through her mom 's phone, they texted my daughter ( pretending to be her mom ), and told her " These guys are helping me ; do whatever they tell you ''. So she did, performing a series of XXXX and XXXX transactions on her phone per their instructions ( her mom had done the same and lost several XXXX $ ). 

Her mom appealed to Wells Fargo 's fraud department right away, filled out police report, etc. On XX/XX/XXXX, to make things right for her mom, Wells Fargo took {$3500.00} out of my daughter 's account ( in batches of {$3200.00}, {$200.00}, {$100.00} ) to transferred it to her mom 's account. My daughter 's account had less than {$100.00} in it at the time, so she was left with a balance of - {$3400.00}. 

When I called Wells Fargo to ask how they can fix one person 's problem by stealing from another, they simply told me that " She should go talk to her mom ''. Furthermore, a letter from WF in response to her fraud claim told her that she had " authorized '' those transactions and so there was nothing they could do. This does not address the fact that a ) WF clearly took money from my daughter and gave it to her mom, and b ) whether my daughter authorized a transaction or not, money can not be withdrawn from an account if it's not there ; this is not a credit card. So it seems WF decided they only had enough budget to pacify one of the two victims by stealing from the other. 

My daughter filed a CFPB complaint ( XXXX ), but WF responded the same : she authorized these transactions etc. 

As a side note, I am following up on my daughter 's behalf because she is incapable of doing so herself. Besides just having started school again, she is suffering a significant amount of XXXX and XXXX because of this, and fears the collection agencies. 

My daughter 's and her mom 's bank statements are attached. Note the matching XX/XX/XXXX transactions performed by WF that transferred a total of {$3500.00} from my daughter 's account, putting it into her mom 's.
Product: Vehicle loan or lease

On XX/XX/2020 I called my finance company to get some help regarding my XXXX payment due to COVID-19. They offered a deferment for the payment to go to the end of my contact. I agreed in order for me not to lose my car. They asked for a payment of {$50.00} I gave the payment. Thereafter I keep making small parcial payments for XX/XX/2020 {$280.00}. XX/XX/2020 {$150.00}. XX/XX/2020 {$82.00}. XX/XX/2020 {$570.00}. XX/XX/2020 {$12.00}. XX/XX/2020 {$570.00} All of these payments have not been deducted from my balance. When I noticed and called they couldnt give me an explainable reason All they said was it all went to my interest. {$1600.00} and nothing to my principal balance. Until the month of XXXX it started going to my principal balance and to the interest.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 reporting or other personal consumer reports

I'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

All 5 of these derogatory " medical bills '' are either false, or they would've been paid by NC XXXX. During those years, I had dozens, maybe hundreds, of medical bills. But MIRACULOUSLY, only these few weren't paid by my XXXX. If you pull my medical records from this time, you will see all the hospital visits at XXXX XXXX in XXXX, NC. NC XXXX covered all of them. So, either they have been paid, or this is derogatory fraud!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Debt collection

They keep calling the XXXX phone number even though I asked them to send a letter multiple times and to stop calling. I let a relative use the phone and they were asking that person personal questions about me. They werent even supposed to call anymore.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.It 's my understanding that XXXX will investigate this account for me to ensure accuracy here are the accounts Iam asking you to verify as accurate : XXXX : Account Number XXXX XXXXXXXX XXXX : Account : XXXX XXXX : Account XXXX XXXX : Account XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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

Reporting XXXX XXXX, XXXX and Experian about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in on those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


MILITARY STAR, NAVY FEDERAL CU Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Dispute for {$390.00} filed XX/XX/year>. 

Dear Wells Fargo XXXX XXXX XXXX XXXX, I appreciate your response regarding my claim ; however, I must firmly reiterate that the disputed charges were unauthorized. The same duplicate charges were successfully refunded to my CREDIT CARD as fraud, yet my debit card remains unrefunded for the exact same transactions. This inconsistency raises serious concerns about the fairness and accuracy of your fraud review process. 

Additionally, I did not authorize these transactions or provide a signature. My signature was forged by the vendor, which is a clear act of fraud. I am willing to provide a notarized statement attesting to this fact. The expectation that I should resolve this with the merchantwho has already engaged in fraudulent activityis not only unreasonable but adds unnecessary hardship to an already distressing situation. 

The financial and emotional toll of this fraudulent activity has been significant. The loss of these funds has caused considerable distress, impacting my financial stability and adding undue strain to my daily life. This situation has required me to spend excessive time and effort disputing these charges, only to face an inadequate and dismissive response. The stress and frustration of being denied rightful reimbursement have disrupted my sense of security and trust in my banking institution. 

I urge you to escalate this matter for further review, taking into account the financial and emotional hardship caused by your decision. Please confirm receipt of this response and provide a clear timeline for the next steps in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXX account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my XXXX report I need this removed as well
Product: Bank account or service

I found out on XX/XX/XXXX that I was a victim of identify theft a few days after I opened up a bank account at a XXXX XXXX Branch when they emailed me saying it would be closed because they had discovered I had a Sun Trust Bank account which was flagged with a negative standing, which I never had an account with Sun Trust Bank before. After leaving the XXXX XXXX I immediately went to the nearest Sun Trust Bank Branch to follow up where I found out that an unknown suspect had fraudulently used my information XX/XX/XXXX, misspelling my first name, using a completely different middle name from mines, my last name & social security number was the only things correct on the forged document where the unknown suspect forged a signature that was suppose to be mine. This document also did contain the bank teller 's information name which I believe that both were in on the fraudulent scam since only half of my information was correct & the teller accepted it anyway. I contacted the police to make a report. Sun Trust Bank Fraud Dept. even had a local detective come to my work place to see if I was the unknown suspect in the video images they sent to the precinct. When approached by the detective he had a picture of the suspect trying to see if I was her which I was n't. He also showed me, at first I did not recognize the woman immediately but once I did.. I contacted the detective to let him know who the woman was & I never heard anything back from him. To this day, Sun Trust has not did anything & this woman is still has not been punished for her crime, which is NOT fair. How can a bank let someone come in to one of their branches open up a bank account in someone 's name with half of their information as well as NOT press any charges after finding out the true identify of the scammer. This has been emotional stressful to know that a large company as Sun Trust allows things like this to go on & do nothing about it. After filling out an affidavit, all I was offered was the ability to now open up an account with one of their branches ... which I will NEVER do because of the fraudulently activities they allow. As a consumer I feel cheated & my name slandered.
Product: Checking or savings account

About 2 years ago I took a certificate of deposit which I found in my Mother 's possessions to Wells Fargo Bank in XXXX to one XXXX XXXX. <P/>He photo copied the certificate and send to their unclaimed properties division, wherever that is. <P/>After 3 weeks and no communication, XXXX XXXX said they could not find it and more than likely it was gone. <P/>Since then, I see on the Internet, that many people had the same problem as me with no satisfaction of where the money is.
Product: Debt collection

I received a phone call from XXXX - Contingent Account Resolution - Mediation Services today on Wednesday, XX/XX/XXXX. " XXXX '' stated she was calling about a debt that went into collections in XXXX for an account with HSBC, with a balance of {$1600.00}, and they will do settlement for {$990.00}. Also that they have sent notices to me. 
She said that HSBC has filed a civil suit against me and that I have a choice to either resolve or dispute, that I have to make up my mind " now ''. She said I have to get a lawyer to dispute, and that HSBC will put a new collections on my credit card ( which I don't have ) and a possible lien on me. 
This is crazy! She said it would do me no good to contact HSBC to find out what they are talking about, that they are processing against me. 
I have not had a HSBC account since before XXXX XXXX took over their accounts back in XXXX or something like that. 
Plus, they new my name, address and social security number.
Product: Bank account or service

USAA is in the practice of : Depositing personal checks via their mobile app. 
The funds are deposited and the app will inform you the funds are available immediately. 

USAA then claims the right to place that deposit on a funds hold at a later date without any kind of notice. The consumer is required to check back in at any random time to find funds are no longer available for use. 

I will then write a personal check to pay a bill, and that check will bounce. I 'll look to find that my money is no longer available to me. My bank has made some unexplained determination that they will hold funds for 10 days. Because my funds were not available they charge me an NSF fee three times. After asking for an explanation, I 'm told there is none, but that I 've agreed to this policy. 

Then they release my funds after all three attempts have been made. 

I find this practice to be fraudulent because I 'm given notice that they have my funds and I 'm not given any notice that they will be held at some point. USAA then takes an action that results in their keeping my money as a result of the arbitrary action they 've taken. This seems very corrupted to me. Despite their claim that I 've consented to this system of abuse, I believe the matter is larger than just my individual experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint against OppLoans and XXXX XXXX for practices that I believe infringe upon the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As per my agreement with OppLoans, all disputes concerning my account were to be settled through arbitration. However, without my consent or any arbitration proceedings, OppLoans transferred my loan to a collection agency, XXXX XXXX. In their response, they confessed that they no longer own the debt ; it was now held by a collection agency. I argue that this act is a breach of contract and infringes upon my rights as a consumer. Upon becoming aware of this issue, I reached out to OppLoans and expressed my readiness to repay the debt directly to them. Despite my readiness to settle the debt, OppLoans declined to retrieve the debt, which I believe was transferred unlawfully. Moreover, in the process of this transaction, OppLoans revealed my personal information to XXXX XXXX without my consent. I maintain this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which limits the distribution of consumer data without a legitimate business requirement. After acquiring my loan, XXXX XXXX has resorted to harassment to recover the purported debt. They have phoned me multiple times during my work hours and even reached out to my workplace directly. They also threatened to report the debt to credit bureaus if I didn't comply. To avoid further harassment and potential damage to my credit report, I felt compelled to pay XXXX XXXX. I posit that these actions contravene FDCPA Section 806 ( 5 ), which forbids causing a telephone to ring or engaging any person in telephone conversation repeatedly or incessantly with the intent to annoy, abuse, or harass any person at the dialed number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer concerning the collection of any debt at the consumer 's workplace ; and FDCPA Section 807 ( 5 ), which forbids the threat to carry out any action that can not legally be executed or that is not planned to be executed. In light of these concerns, I request the CFPB to probe into these issues and take suitable action to safeguard my consumer rights. I also urge that OppLoans expunge this account from my credit report immediately, as I believe it was unjustly sold and reported to the collection agency.