23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Main borrower on the mortgage abandoned property XX/XX/XXXX, moved to California. 
Per Wells Fargo Home Mortgage in order to get loan modification solely based on myself I would have to obtain a Quit Claim Deed, which was obtained and recorded XX/XX/XXXX. 
The lender ( FHA /Wells Fargo ) are now insisting I provide them with more information pertaining to the other person on the loan ( abandoned party ). Which I have told them is impossible to do, we are no longer in contact with each other. Per Wells Fargo without this information they will be unable to assist me.
Product: Checking or savings account

Today on XX/XX/2018, I deposited two checks in the amount of {$1500.00} and some change. I have deposited these checks every two weeks for almost two years and have always been able to have at least some portion of my money. Today my bank account was negative XXXX cents, I deposited the checks and the bank told me Im XXXX out of luck. No money, and the associate from Wells Fargo suggested I write a check and hope whatever bills I have to pay dont cash it until Tuesday. Annoyed by this I tried to close my account, they told me no you can not close your account and you wont have youre money until Tuesday. When asked why they held my check as they have only done one other time when I was negative XXXX cents, they said they werent sure why there was a hold on the account, but when I brought up that it was because I was negative and they wanted to charge me three days of overdraft fees they quickly waived me off the phone. Give me a break.
Product: Debt collection

Exeter Finance LLC, Disputed in XX/XX/year> and XX/XX/year> with XXXX to remove from credit report due to being outdated and filed within a Bankruptcy due to a deceased person. XXXX came back and stated " This item was updated from our processing of your dispute, and remains ''.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD SERVICES XXXX
Product: Mortgage

Was approved for a loan modification by OCWEN in XXXX 2015. Was told the process would take up to 60 days. Each month my home has a foreclosure date. As of today ; the unmodified loan has been sold to another servicer while the modification is still pending. 9 months of no resolution is not acceptable. I have to start over with another company while my home still shows foreclosure dates. Failure to service in a timely manner and other issues related to financial harm are just the tip of the ice burg with this company.
Product: Credit card or prepaid card

Wells Fargo is attempting to collect on a debt, that's charged off. This account was discharged and the alleged debt has been used as a tax write-off. This will be an act of tax fraud, to collect on a debt that is registered as income. The harassment to collect on this debt would be a violation of the FCRA 15 USC 1681eb, failing to report information that is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 I looked into filing bankruptcy as a way of clearing up credit card debts. Instead I chose to use a credit relief program. I spoke to XXXX XXXX at Clear One Advantage and I agreed to have them take {$430.00} out of my checking account every month to make settlements and pay off 4 credit cards. These cards were XXXX XXXX XXXX - {$2700.00}, XXXX XXXX XXXX - {$1800.00}, XXXX XXXX, {$15000.00}, and XXXX XXXX XXXX - {$7300.00} ( these amounts have all been rounded up ). Since starting this program, more than {$5600.00} has been taken from my account. My contract has been transferred from Clear One Advantage, to XXXX XXXX, to XXXX XXXX XXXX. I have never received an accounting statement from any of these companies telling me how this money was distributed, even though I have asked all 3 of them to me. I have received notifications from XXXX and XXXX advising me that settlements have been made - yet when I call each of the 4 credit cards I find that they have been paid nothing. XXXX told me that both XXXX XXXX XXXX cards have been paid off and that I should call the bank for a " settlement letter '' - the bank had never heard of a settlement letter and told me that they have not been paid anything. Neither have the other two cards. Where has my {$5600.00} gone? Why do they refuse to send me an accounting? Why has my account gone from Clear One, to XXXX, to XXXX? And why can I never get a direct answer from any of them? 
I believe I am the victim of a fraud and want to stop the automatic withdrawals from my account. But what are the legal consequences to me if I do that? I have talked to a lawyer about this, but can not afford to hire one. I am XXXX XXXX XXXX, XXXX, and on Social Security. I am being lied to and being defrauded by these so-called " credit relief '' companies. Can you please help me? 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX
Product: Mortgage

I submitted a property tax bill to Truist to have it paid through my escrow account. This bill is due by XXXX. The amount that is due is {$XXXX} and needs paid to the " XXXX of XXXX ''. The address that it needs send to is XXXX XXXX XXXX XXXX XXXX, PA XXXX. On XXXX, the amount of {$XXXX} was removed from my escrow account and the payment was sent. HOWEVER, THE PAYMENT WAS SENT TO THE WRONG ADDRESS. I need this check re-issued and sent to the correct place by XXXX. I should not be penalized for a mistake made by XXXX. THIS IS THE XXXX TAX BILL THAT HAS BEEN MISHANDLED ON MY ACCOUNT IN THE PAST 2 MONTHS. THIS IS UNACCEPTABLE. I have made dozens of phone calls to the Truist XXXX department, yet mistakes continue to happen.
Product: Debt collection

CCP, INC. calls me 1-3 times per day every day. When I spoke to someone today, she told me there is no way, and they are only calling once per day. I get a call around XXXX, XXXX, and XXXX. As far as I'm aware, calling even once per day is harassment according to federal law. I can never speak with someone, as I am at work from XXXX every day. They are only open XXXX. They call me repeatedly while I'm at work and disrupt my job. The representative said she will not stop calling me until the issue is resolved. This is very overwhelming and counter productive. They call from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, and XXXX. All of these numbers have called me several times.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing this letter in regards to one of the transitions via Paypal. I sold a pair of XXXX shoes on XXXX and the seller disputed immediately after she got the shoes, accusing the item not as described. I am asking for a fair investigation I have listed the picture of XXXX selling page. Unfortunately without investigation, Paypal refunded the buyer without returning my shoes. In the appeal case, Paypal said my shoes is unauthithc. The truth is I bought the shoes from XXXX XXXX and I attached the receipt and credit card statement for the transaction. Besides, Paypal locked my account, and now I dont have access to use my money on the account. 

I have been treated unfairly and to an extent been bullied in this case. And I am not the only seller who has been deprived equal rights in defending ourselves. I am speaking out in hope to save thousands of small business owners like me and to strive for a fair and just online business environment. 


Sincerely
Product: Mortgage

I tried to call into my lender to see if it was possible to get my home re-appraised to delete the insurance/escrow requirements and PMI. The lender refused to give me this information. They said they would send me a response in writing, but that it could be 4-6 weeks for processing. 

I feel this is an intentional effort by the lender to not allow me ( the borrower ) the opportunity to remove insurance/escrow and PMI. This is a very general question that should be able to be answered with a telephone call. In the year XXXX the requirement that the lender will only provide information on this process through physical mail, with a 4-6 week delay seems predatory, and an intentional effort to not allow me to remove escrow and PMI.
Product: Credit reporting

XXXX credit card was sent to wrong address. I believe this was their fault and not mine, as I gave them my correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 U.S.C. 1681b Ignorance of the law is no excuse!

I am the natural person consumer and original creditor.

I am evoking my specified remedy as the consumer and original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth and 15 U.S.C. 1681b permissible purpose of consumer reports.

( A ) subject to subsection ( c ), any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
This 100 % cruise I am the consumer and original creditor and I have not given my written instructions to your company to furnish any information on my consumer report and I demand a full removal and deletion of all negative accounts. 
I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactorily with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation. 
I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the Fair Credit Reporting Act makes it clear your company can not furnish public information without my written instructions. I demand you to stop infringing on my right to privacy and delete all negative and collections from My Consumer Report immediately.
Product: Consumer Loan

I got into a collision with my brand new 2 months XXXX XXXX. My XXXX XXXX insurance called the car being totaled so they were getting information with XXXX XXXX for the payoff amount. Since it was only 2 months old, I understood that the car was upside down, so I would need to come up with some money to settle the whole thing, which was also what XXXX XXXX Claim adjuster said to me as well. I thought since I was getting another Toyota, I could negotiate that part when I get the new car. However, a few days later, my Claim adjuster came back and said good new, Toyota accepted their pay off amount and I was actually going to get a little money back even after XXXX XXXX taking my deductible. I was happy, signed the paper work with XXXX XXXX, got the check and I went and leased another Toyota Prius, because I needed a car. Almost 1 month later, I received a letter from Toyota Finance saying that I owe them money because the settlement was not enough to pay off my lease. And they were going to charge off that amount and report to the credit reporting agencies. I talked to XXXX XXXX, and they gave me the letter that Toyota Finance accepting the settlement. XXXX XXXX said that Toyota should not go after me for the difference, since they already settled the account and released the title. I talked to Toyota Finance, but they still demanded the money or they would report me. I knew about the difference, and was going to negotiate it with Toyota when I was going to get the XXXX Prius. But since they told XXXX XXXX that they accepted it, and XXXX XXXX even thought the whole thing was closed, and wrote me a check, I did not negotiate that part of the difference when I leased a new car. What Toyota did, accepting first and went after me later, took away my chance of negotiating, which was really unfair. Now the fact that they are demanding the difference in full with no opportunity for me to ask for a discount or payment plan is really predatory practice. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX  SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT
Product: Prepaid card

My account was fraudulently accessed and money transfers were made to a XXXX XXXX account in XXXX to individuals I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX  report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. This showed it was done on XXXX. On my Equifax report, I show the following inquiries ; XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX again, and XXXX XXXX on XXXX. I did not authorize these. On my XXXX report, I show the following inquires were done on XXXXXXXX  that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was A Victim Of Fraud
Product: Debt collection

Was contacted about debt for a card that was closed due to breach in issuing card service data. The original account was closed and I was issued a new card and account number. Midland Credit somehow purchased closed account. I disputed the debt, was found in favor and collection removed from credit report. Midland Credit has proceeded to file a civil claim and has filed in local court. I still have the reopened account and it is current and up to date. I have given this information to the company yet they are proceeding to take me ro court.
Product: Debt collection

Hello, I sent a Certified Letter requesting documents showing this was my account. I am asking for them to please DELETE THIS ITEM FORM ALL THREE CREDIT BUREAUS. 
I was applying for a loan and the bank said a had to pay the above collection or I could not receive a loan. So I called them and they and requested Validation about this account and never received anything they just pay them half and they mark it as paid. I need them to provide me with documentation or remove this account from my credit report. 

ENHANCED RECOVERY COMPANY # XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2018 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION Original Amount : {$680.00}
Product: Debt collection

I am filing this complaint regarding a financial transaction involving Affirm and XXXX XXXX, XXXX. I seek your assistance in resolving this matter, as I believe the loan provided by Affirm was improperly tied to unfulfilled services from XXXX XXXX. 

Details of the Complaint : 1. Loan Issuance by Affirm : Affirm confirmed that XXXX XXXX, XXXX, was a legitimate service provider and approved a loan for me for legal services. 
Based on this confirmation, I took out the loan and Affirm paid XXXX XXXX in full 2. Non-Performance by XXXX XXXX : Despite being paid in full using the Affirm loan, XXXX XXXX failed to perform the agreed-upon legal services. 
He did not file necessary documents, respond to my communications, or advance my case as promised. 
3. Harm Caused : I am now responsible for repaying the loan to Affirm, even though the services I paid for were not delivered. 
This has caused significant financial and emotional distress. 

Efforts to Resolve : I contacted XXXX XXXX multiple times to address this issue and requested a refund for the undelivered services. However, he has not taken any corrective action.
Product: Credit reporting or other personal consumer reports

My account with Ally Auto was paid in full but they continue to report that the account was settled to credit bureaus. After months of figuring out what happened, in which I sent them additional payments multiple times to prove I was not trying to settle, they finally agreed that the account should reflect paid in full. I subsequently requested a letter to acknowledge that and prove that the account is not settled, which I attached.
Product: Money transfer, virtual currency, or money service

A complaint was filed last year XX/XX/2020 against National Credit Adjustment and they indicated they would send validation of the debt. They responded that they were requesting documentation from the original company and would forward the information to me. I HAVE YET TO RECEIVE ANYTHING FROM THAT COMPANY!! I also send them a letter last year requesting the information and still nothing from them.
Product: Credit card

Banking accounts and in-store credit cards was open I did not purchase these items until the company that many many times I never got any of these products it's not my doing unauthorized purchases
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
XXXX Accounts 1. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also
Product: Checking or savings account

Ive already reported that there was issues due to being a victim of identity theft closing my account with Bank of America. I got a email today about a portfolio. I no longer have the account number that I closed and reported the issue about in XX/XX/2020. There was no unsubscribe button to unsubscribe and have or get the account closed.
Product: Debt collection

I recently obtained a copy of my credit report and noticed a debt that was previously confirmed to not be mine added back by another collection agency. I find it very unprofessional and disturbing that this collection agency would assassinate my character and credit worthiness by adding this false account to my report before verifying the validity of this information. Furthermore, the agency never had the courtesy to contact me in any manner before impacting such a major part of my livelihood. Please assist with with bringing light to this situation.
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX I am writing to dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 U.S.C. 1681s-2, 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ) ( 5 ) .Disputed Item ( s ) :15 U.S.C 1681s-2, 15 U.S.C 1681 ( e ) ( b ). 15 U.S.C 1681i ( 5 ). 15 U.S.C 1681c-2 Following accounts : DEPT OF EDXXXX  ACCOUNT : XXXX : DEPT OF EDXXXX : ACCOUNT NUMBER : XXXX : DEPT OF EDXXXX : XXXX Explanation of Dispute : According to 15 U.S.C. 1681s-2, furnishers of information are required to report accurate information to consumer reporting agencies. In this case, the information provided by TransUnion is inaccurate because I've these accounts since XX/XX/year> and still it's reporting the wrong information that doesn't belong on my account nor will TransUnion Verify the correct address to these accounts Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they include in consumer reports. It is evident that these procedures were not followed in my case. Request for Action : Under 15 U.S.C. 1681i ( a ) ( 5 ), I request that TransUnion promptly reinvestigate and correct the disputed information. If your reinvestigation does not resolve the dispute to my satisfaction I will seek legal actions under 15 U.S. Code 1681o - Civil liability for negligent noncompliance and 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit card or prepaid card

I used my Apple Card by XXXX. Bank for 2 different car reservations from XXXX XXXX XXXX One was from XX/XX/2023 until XX/XX/2023 and the other was from XX/XX/2023 until XX/XX/2023. I disputed the charges because they were not as agreed upon when I booked the reservations for the vehicles. The XXXX reservation was overcharged by {$800.00}, and the later XXXX reservation was overcharged by {$2000.00}. The XXXX reservation included upgrade charges of {$720.00} for which I shouldnt have to pay because the vehicle I booked and reserved beforehand was not available for me on pickup day and time. The issue Im having is that the credit card company issued me a provisional credit while those charges were investigated. However, the provisional credit isnt available to the customer to use if they choose to do so. The credit card company explained to me over the phone that until the disputes get resolved I wont see that credit in my available balance. In other words, your credit card limit is lowered by the credit that is being disputed upon, until those matters are resolved. I responded by saying that according to the American dictionary that is not how provisional credit is supposed to be afforded. They responded by saying that there was nothing else I could do except wait for a completion of their investigation.
Product: Credit card or prepaid card

I Sent W ell Fargo Bank  a NOTICE OF DISPUTE, NOTICE OF DEMAND FOR PRODUCTION OF DOCUMENTS, AND NOTICE TO CEASE AND DESIST