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

In XXXX, XXXX, following a miscommunication between my bank, Wells Fargo, and non-Wells Fargo ATMs abroad ( XXXX ), which resulted in money being mistakenly deducted from my Wells Fargo checking account, in the amount of {$1800.00} ( based on several attempted transactions in which my card was denied and I did not receive funds, but Wells Fargo thought I had ), I immediately contacted Wells Fargo to resolve the issue. After detailing the case, their Fraud department initially reimbursed me 100 % of the funds in question. A couple of weeks later, {$1000.00} of the money initially reinstated was reversed. When I called to inquire why, I was told I needed to sign a form that could not be emailed but only sent to my permanent address. I was also told I could resolve the issue upon returning to the US. In fact, both of these details were incorrect and misleading. The supposed form I need to sign was never mailed, and never emailed. I still do not know what the form is in reference to. I followed up on this matter at the first opportunity I could, following my return to the US, on XXXX XXXX XXXX. At this time, I was told that XXXX XXXX 120 limit had expired and the remaining funds owed to me could not be reinstated. Hiding between this outside technicality, at no point in time was I told why the funds were ever removed from my account. Nor whether Wells Fargo was able to recover their money from XXXX ( as far as I know they were able to recover 100 % of the funds, and my money became a source of profit for them ). In XXXX, XXXX, {$500.00} mysteriously appeared in my account, presumably an effort by Wells Fargo to placate me and encourage me to drop the issue. I am shocked and appalled by Wells Fargo poor communication, lack of transparency and lack of customer care in this instance. Despite extensive dealings with their Resolution Team, and no fewer than three separate escalation complaints, I have been consistently told there is nothing they can do and it's a closed case. Last week, I informed them that I would be taking alternative action to resolve the matter and recover the money they still owe me - XXXX - plus damages.
Product: Credit card

Around XX/XX/year> I reported unrecognized activity on the account ( charged ). The account was then suspended & investigated by Macys. Further transactions from another state confirmed the card was compromised. I requested it be closed via phone and mail around XX/XX/year>. I continued to make payments via online to avoid any negative consequences on my credit. The website itself was hard to navigate and locate certain subtopics such as letters and any activity beyond XXXX months. I then seen on my credit that Macys closed the account on XX/XX/year>. They have not notified me directly of this. They have took unethical tactics such as XXXX the credit card limit after receiving on time payments to reflect over the limit balances and maximizing interest on balance forward. Several transactions that are unrecognized remain on the closed account and do not belong to me. I tried resolving this with the creditor but continue to get the run around with off shores representatives who also seem unskilled! Please help! I want this entire account removed from my credit report and history.
Product: Debt collection

Transworld system is contacting individuals that I am associated to collect a debt. They stated that they are only contacting relatives however, the numbers they are dialing are not immediate family member or relatives. Instead, they are using data analysis to harrass members of my husband 's family to find out my whereabouts. Moreover, they have a list of numbers of other relatives that they are contacting- including my elderly parents. I have spoke to the manager on duty to find out why they are calling random people to obtain information on me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.
Product: Mortgage

On XX/XX/XXXX, i filed for Chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX, while in the bankruptcy payments which were made through the bankruptcy trustee totaled {$110000.00} in principal payments and {$10000.00} in arrears and {$7100.00} in post arrears, totaling {$130000.00} in payments.According to caliber home loans out of the {$130000.00} that was paid reduced my mortgage principal only {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, 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
Product: Debt collection

Approximately in 2010 received a new cellular phone from XXXX XXXX. The phone did not work at my new residence. I took the phone back to the XXXX store where it was purchased and an employee told me that I could not get out of the contract. I spoke with the manager and he said that he would take care of it. I turned in the phone and thought my obligations with XXXX were done. About a year later I received a collection notice saying that I owed the amount for the phone plus service for additional months. I have received multiple calls over the past 12 years saying that a new company is trying to collect a debt. I have asked them to stop calling. 
I believe this to be fraud or a manager of XXXX did not do what they said they would do. 
The most recent call was from CBE group XXXX. 
I would like this harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because XXXX and Experian Pursant 15usc 1681b ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and XXXX XXXX of {$460.00} to my file. Futhermore, I sent the debt collector ( XXXX XXXX XXXX ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and Experian in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and Experian failure to properly investigate.
Product: Credit card or prepaid card

On XX/XX/2019, I received a letter of explanation from Synchrony Bank regarding the privacy violation that I previously reported. 
This letter simply explains resolution of prior reimbursement and acknowleges that they had sent another customer 's letter to me ( XXXX XXXX, case # XXXX ). The letter simply expresses understanding of my report. 
At no time does the letter explain where my original response was sent or if MY PRIVACY was violated. Furthermore, at no time does the above dated response apologize for the error or even acknowledge that Synchrony bank made any errors. 
This is a bold and offensive way for a bank to respond after such an egregious violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a XXXX  Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and XXXX  a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent XXXX letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine XXXX times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX  with account number XXXX for the original creditor " XXXX XXXX XXXX, XXXX '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies. 
The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had 2 unauthorized purchases XX/XX/XXXX for {$180.00} and XX/XX/XXXX for {$11.00}. I called UMB bank and reported the items as unauthorized, they discontinued my debit card and told me of the process to investigate and send a new card, in doing so, my bank has not complied with the Electronic Fund Transfer Act as, after multiple follow ups, my account issues remain unresolved after a 10 day period and I have no credit applied to my account. I had first contacted my bank on the XXXX of XXXX well within the timeframe of the unauthorized items being posted. Furthermore, in this matter, the fraud department literally does not handle the issue, attempting to contact someone with knowledge of the situation was extremely difficult and my matter has no been resolved lawfully within Section 205.11 ( c ) ( 1 ) of the Electronic Fund Transfer Act to provide provisional credit and advise me, the consumer, of the provisional credit within 2 days that it is applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 61XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Zelle fraud. Company said I shouldn't have approved transfer. Thought I was talking to XXXX fraud people. Even in bank an they talked to them. Said I shouldn't have have approved them. This is still going on an bank is an government is letting it continue and has been for yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my TransUnion credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again XXXX, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact XXXX made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. TransUnion information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from XXXX, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$810.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Account charged off. {$870.00} written off. {$870.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$5.00} FCRA violations : payments never late XXXXXXXX XXXX XXXXXXXX XXXX Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment FCRA violations : addresses not mine XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX
Product: Debt collection

XXXX XXXX billed me for services I didnt receive. I closed an account when we moved in XX/XX/2018. XXXX  billed  for a month after the move stating that I didnt call in time before the new billing period. I did call and then called again when I didnt get the box to return the equipment. They claim that was the date I cancelled my service. I asked for a copy of the recorded call 5 different times and told it would be reviewed and I would be contacted. I never heard anything until I applied for a mortgage it showed on my credit report. The collection agency cant help me and XXXX just states the matter has been referred to a collection agency. I tried disputing it but they claim its valid. This is wrong!!! Ive always paid my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent by certified mail to each : XXXX Equifax XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

This is the follow up to my complaint about the innacurate acoount to Experian. This account is reporting innacurate. Please update this account. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$570.00}
Product: Student loan

The student loan servicer, Navient did not inform me of the proper steps and necessary processes to set up PSLF correctly. In particular, they pushed me to take forbearance rather than use income-driven repayment ( like REPAYE ) and likely have a payment of {$0.00} -- that's XXXX DOLLARS! -- per month based on my income and *still* have that count as a qualifying PSLF payment. They did not explain this adequately and clearly with respect to the fact that this payment plan could've lowered my monthly payment to {$0.00} for several years based on my household income. 

Due to the lack of explanation by Navient, who has a responsibility to properly educate their customers on their options and the consequences thereof, my husband and I will likely have to keep paying on my loans when they should be forgiven in accordance with the 10-year timeframe of PSLF. I believe most of my loan sequences ought to be forgiven by this year. Due to Navient 's error, I will have to keep paying despite my years of exemplary service to the public as a XXXX XXXX. 

Moreover, I have been trying for a long time now to see the notes from my own record with Navient. This request has been repeatedly refused by Navient. I should be able to access my own record to review my interactions with this company. 

In addition, due to the fact that they did not mention the need for consolidation of some of my loans for PSLF, I did not start the PSLF process for some loans until later than I would have if I had proper and complete information. 

Finally, with respect to Navient steering me toward forbearance, while it may be easier for the company in terms of paperwork, it capitalizes interest and INCREASES my total debt. As a result of Navient 's predatory practices, I have been harmed.
Product: Mortgage

This complaint is related to never having received a response to a request to remove my escrow account from Shellpoint Loan Servicing, and the company 's lack of response to my written request as it required and requested from me.

I have had an account in good standing since the inception of my  initial loan payment on this property since XX/XX/XXXX. The loan has been sold and transferred at least 3 times, and now it is with Shellpoint Mortgage. Shellpoint assumed responsibility on this loan  in XXXX XXXX. The first mortgage payment that I was required to make to Shellpoint was for the XX/XX/XXXX payment. I continue to have issues with Shellpoint on this payment that was timely submitted, and Shellpoint has failed to rectify its error despite repeated promises, letters, calls, and complaints ( see attached of its promise to fix a problem it has yet to fix ). The 2 pieces of inaccurate  information remain on my credit report -- that I had a late payment and that it was current the next month. It should never have been reported, and it should not currently be on my report or any references made to it.

However, this outstanding issue prompting this second complaints relates to the fact that I have not heard from Shellpoint, despite being past the 30 days since I submitted the request and was informed that I would receive a response per the company. Because Shellpoint
has a history of failing to respond to issues submitted to it in writing and on the phone and because I am still waiting for it to rectify its original problem for which it was at fault and acknowledged being at fault, I am filing a complaint concerning my escrow request that it has failed to address. I have tried multiple times to get any issue resolved by Shellpoint to no avail or response from the company. I am good standing and always have been and therefore, I meet every qualification justifying and permitting me to have my escrow account removed.