23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

To who concern : I called West Fargo customer service at XXXX to complaint because I got XXXX overdraft fee that I consider unfair. But, they didnt take my complaint by telephone. For this reason, I am writingto you because they are charging me those hidden and unfair fees several times. In XX/XX/2016 I deposited online to my account XXXX the sum of {$280.00}, also I had anavailable balance of {$12.00} to make payments in the next day. Then, on XX/XX/2016 I made two payments to XXXX Online. However, Wells Fargo Bank paid those transactions earlier, and they process my deposit two days late. Their purpose was charge me irregular overdraft fees ( total amount of {$70.00} ) like they usuallydo base on their " banking politics ''. 
I want to tell you that these charges are irregular and unfair to the bank customers. They must stop this illegal practice, and I request the refund of those fees which were improperly charged to my account. 
Thanks. 
XXXX XXXX
Product: Debt collection

CRA violation no knowledge fraudulent accounts on my Experian credit report. FTC ID Theft Report # XXXX
Product: Student loan

I requested forbearance back on XX/XX/year> after being laid off. Moehla recently told me it can take up to 90 days for it to process. I have NEVER heard of forbearance taking that long to process. In the past with my previous student loan servicer it would only take a day or two at most for it to be processed. They would also include any back payment and not report me to the credit agencies.

Moehla is not doing any of that which is not how forbearance works, at least in my previous experience. This is completely unacceptable. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ EquifaxXXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies. 
- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX {$14000.00} also Account XXXX XXXX  {$18000.00} also Account XXXX XXXX {$16000.00}, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX  : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX XXXX  : Account # XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # : XXXX XXXX XXXX : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

-15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 XXXX years. 

-15 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military service, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).
Product: Credit card or prepaid card

Current I have An Wisconsin Pre Credit Card. In Which I receive Child Support On. I Have This Item For Many Years With out an Problematic Prior. 
Then And Now, I only Receive, If I'm Lucky, Less Than {$10.00} an Month. 
( Child Support ) Usually, theres Below Amount Monies Located On this Card. 

Recently, I noticed That My Card Is Over Drawn. As Of These Past Few weeks, Days, Amount Has been Going Higher. Currently at an Over Drawn at {$27.00}, And Climbing Higher. 

Footwork I've been Doing Of Trying To dissolve This Matter Has Been Nil. 
First, I contacted Child Support Office In XXXX, WI. ( XXXX ), Unfortunately, Of an Matter Of This, There Was Nothing They Were able to Do, They Suggested To Call The Number In the Back Of The Card. Which I did, Right away. Because Of an XXXX XXXX XXXX. 

In which they Were Located In Ohio. I wont Waste Your Time Of The Amount Of Times That I called, Within Last Thurs-Friday, And Monday. 
Called Ohio-Nothing They Can Do, It was an Wisconsin Case, Sent Me Back To WI., Which I just Got An general Infor Line, No Humans, Back To Ohio, I wasn't In there System, Or The other Rep. Said My Social Was In their System. Actually One Other Rep. Found Me In their System, Was trying To answer My Question. Was on Hold for 36 Minutes - Hung Up. Patience 's Were Done.

Back and Forth In the state Of Ohio. EPPI Card Inc.

Did Not get any Answers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries on my Experian credit report from the company " XXXX XXXX XXXX ''. The first on XX/XX/XXXX and the second on XX/XX/XXXX. 

I never signed any documents, nor did I verbally authorize these inquiries. 

My contract with them that started XX/XX/XXXX and ended XX/XX/XXXX. They illegally hard checked my credit twice without any form of communication with me. 

They have wrongfully, without permission and without a proper purpose accessed my credit report.
Product: Credit card or prepaid card

I have already made a complaint but you have closed as if its all done. 

The complaint Number was XXXX I gave feed back that I wasn't happy with the bank doing nothing at all to help me pay the credit card off, I gave feed back to CFPB saying I want it sorted out as the bank basically said if I don't pay then my credit rating may be effected, I get emails from them saying Last chance : Your credit card account will be charged off if we dont receive a payment of {$53.00} by XXXX XXXX. Eastern on the last business day of the month. 

I simply need a bank account number from them so I can internationally send them the money but they say they can't give it to me. 

This is so stupid the BOA have access to hundreds of million accounts, I asked if they could open a account in my name and they can shut it as soon as I have paid it all off, they said no they can't do that. 
I said to BOA surely a bank manager or Director could give me details of an account number I can send the money to them and they could simply pay the credit card off, I was told no. 

Please read my feed back to you as I explained it to you there in further details. 
I am not happy that the BOA are giving me no way to pay them, it was they who closed my chq account which I used to make payments of the credit cards. 

I can't understand why its so impossible for me to make a payment to them, I'm sure if I owed them XXXX XXXX they would find a way. 

Please reverse the closure of complaint Number was XXXX Thank you for understanding I AM WANTING TO PAY OFF THE ENTIRE CREDIT CARD but BOA will not give me the means to do that.
Product: Credit reporting or other personal consumer reports

I asked Partner Financial for debt validation for a debt I allegedly owe i sent certified mail on XXXX it was signed on XXXX with no reply back to inform me on the validity of this account.
Product: Mortgage

The CARES Act allows borrowers with government backed mortgages ( e.g. XXXX XXXX and XXXX XXXX ) to defer payments up to 6 months, with a simple claim they have encountered financial hardship because of Covid 19 pandemic. The mortgage holder / loan servicer is to defer payments for up to six months without documentation of hardship. At the end of the six months, the borrower can choose to take an additional 6 months deferrement, pay the amount deferred, modify the monthly payment amount, or extend the maturity date for the months of deferrment. It is understood that the normal interest accrual will continue during the deferrment period. 

Numerous source documents, including the CFPB website, reflects this information. 

PNC Mortgage requires an application, proof of hardship, and allows only 3 months forebearance, after which the loan must be brought current with a lump sum payment ( 4 months payments ). PNC Mortgage reserves the right to offer loan modification ( e.g., increased monthly payments ) as an alternative to the lump sum payment. However, going into the 3 month forebearance period, the borrower has no certainty of what PNC Mortgage will require. 

I spoke with, and emailed with, XXXX XXXX, XXXX. She claimed that PNC Bank was awaiting clarification from the federal government about the policies, and claimed that the CARES Act was not clear. 

After I emailed her that I intended to take the option of deferring payments for 6 months on my government backed loans ( one XXXX XXXX, one XXXX XXXX ), and having the maturity date extended by 6 months, I received documents informing me of a 3 month forebearance, after which I must make a 4 month lump sum payment to bring the loans current. This contradicts the CARES Act, and the CFPB guidance.
Product: Mortgage

I was contacted by Freedom Mortgage on XX/XX/2019 by XXXX XXXX asking if I would be interested in reducing my interest rate on my current mortgage with them at no cost to me that Freedom Mortgage would be paying for everything that the only thing I would have to bring to the table was FHA upfront mortgage premium. After our discussion she sent me loan disclosures. She asked that I send her back a copy of a utility bill. I sent the information that afternoon and then called back on XX/XX/XXXX to verify she received everything. She said she did and I had several questions about the information. She at that time in fact said that after running the numbers while we were on the phone the loan would not have enough time to close in XXXX so I would be able to skip both XXXX and XXXX mortgage payments because it would close toward the middle to end of XXXX. I was thrilled especially since the holidays were coming up so I agreed to move forward. That is where the issue happened. After a week and 1/2 I had not heard anything so I called to check on the status. I was told not to worry they were working on it. I asked to have XXXX call me and left a message. She did not call back. I then sent an email. I did not hear back. I then got information via email on XX/XX/XXXX from XXXX XXXX telling me they were working on my information and if I needed anything to contact her. I emailed back because it said to stay current with my payments during this process and I asked about what to do about my XXXX mortgage that I wanted to make sure it would not count against me and XXXX emailed back on XXXX XXXX and said to make sure to continue to make my mortgage payments until I hear back. I then picked up the phone to call her and got her voicemail. I told her that concerned me because I was told I would get to skip my XXXX and XXXX payment to please have XXXX XXXX call me back to explain or could she call me. Again no return call from either one of them. I sent emails to both as well with no response. I then got an email on XX/XX/XXXX with closing documents. When I looked through the documents I was dumbfounded because not only was the amount I was to bring at closing doubled but also the closing date was within a week. I was told we would not close until the middle of XXXX and that is why I would be able to skip XXXX and XXXX mortgage. I emailed XXXX and XXXX and left another message for both. Still no response. I have left 3 additional messages for both ladies with no response to any of the phone messages or emails. I then called and asked for a manager. Last Thursday I spoke with a manager who said he would look into it and call me back Friday. It is now Monday evening and still no return call. I have called and asked for a manager and keep getting a voicemail of someone different each time. I left messages now for both girls managers and have been on the phone over an hour to speak with the escalation team and no one has picked up. This is absolutely ridiculous and I think they are attempting to try and churn loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent inquiry on my report from XXXXXXXX XXXX on XX/XX/2023. I called TransUnion to dispute the inquiry and they told me I needed to mail in a FTC report and a letter from XXXX XXXX  stating it was fraudulent. I sent in the letter and report on XX/XX/2023 & they say they did not receive it but based on their findings they would send a letter in the mail with the results in 5-7 days. I have not received anything in the mail so I called back and now they want me to upload the documents so I am in the process of doing that now.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX International - XX/XX/year>
Product: Checking or savings account

I got an E-mail from " XXXX XXXX XXXX XXXX '' saying I had to do something about my accunt. I fired the Bank of America in 2013 and have NO ACCOUNTS THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

XXXX, EQUIFAX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to XXXX5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

A few months after receiving the XXXX XXXX XXXX, I ended up going underway for a few months. I forgot all about this card but when I remembered I had this card, I called the number for the XXXX XXXX XXXX. They told me dont worry we dont report this on your credit report. Im like thank XXXX. Then one day I checked my credit score and I have numerous of late payments on my XXXX XXXX. I was told that they wouldnt report it and now the late payments are the only thing stopping me from being able to buy a house. They wont work with you to remove the late payments. Im a single mother in the military trying to buy a house and everyone always looks at my late payments for the XXXX XXXX because I dont have much on my credit report. Ive called numerous amounts of times to see if theres anything I could do in order for them to remove the late payments but they wont do anything or help anyone. They dont care about us.
Product: Vehicle loan or lease

I have written an enormous amount of letters to various governing agencies, with CFPB being one of them. The problem is still the same. I have written various correspondence with the company, Wells Fargo, who committed various illegal and unlawful acts both at the state and federal level. First, my vehicle was repossessed unfairly, unjustly and without just cause based on an error made by Wells Fargo in XX/XX/XXXX CPI insurance was placed on my loan file unnecessarily to which Wells Fargo initially sent correspondence stating it was necessary. After forming my complaints, Wells Fargo sent correspondence stating the CPI insurance was unnecessary yet, Wells Fargo did not compensate based on Class Action Suit against them from the violation. Wells Fargo violated my consumer rights causing lower credit scores and diminished ability to seek credit which resulted in me filing bankruptcy. After the bankruptcy discharge, Wells Fargo never updated my credit file, even after the 10 years it took to remove the bankruptcy off my file. The calamity that Wells Fargo caused has damaged not only my life, but my trust in the banking system and the governing bodies that regulate them. I went through the mediation service provided by Wells Fargo, and again, another attempt to cover up the damage caused, and created by Wells Fargo took place when the representative lied and stated Wells Fargo didn't believe that mistake they made caused the repossession. Now Wells Fargo wants me to sign a lie in order to receive XXXX they offered from their massive mistakes with the loan I had with them. Wells Fargo final response was, seek legal action against them because they have exhausted what they will do. I want CFPB to protect me the consumer by helping me to fight against illegal and unlawful practices just as CFPB did with File No. XXXX.
Product: Credit reporting

I spoke to a rep in the special handling department and I informed her that it was  XXXX  different social security numbers reporting on my credit report which are not mine. She informed that those socials was tied into  XXXX  accounts which is not mine! I 've sent experian faxes to prove my identity and they still wo n't remove those accounts from my credit report.
Product: Money transfer, virtual currency, or money service

Hi, I had a PayPal account. Recently I opened an account at XXXX Bank, and connected it to my PayPal account. No issues, it showed verified. 

I borrowed {$30.00} from a good friend in XXXX. I tried to send {$35.00} to my PayPal account from my XXXX account, was not allowed to, and was never given an explanation of why. Frustrated, I demanded my account be closed. Then I received an email from PayPal saying in 24 hours I would have the mysterious block removed. I messaged my friend, only to get another email that my account was closed. 

I am XXXX. I and many of my XXXX friends have experienced issues with PayPal, because they view our changing of our names and XXXX suspicious, as if it's our alias and we're trying to pull a fast one. 

It doesn't matter what their policy states, or even what they believe themselves. PayPal discriminates against XXXX XXXX, and it's wrong.
Product: Money transfer, virtual currency, or money service

PayPal is increasing its harassment of ouXXXX XXXX XXXX XXXX XXXX by, out of the blue, demanding incredibly personal, private, intrusive, invasive, illegal, unethical, immoral, and unconstitutional documentation, data, business records, financial records, and other information in order to ( 1 ) release our money that they have stolen/withheld and ( 2 ) continue allowing our clients to process their credit card payments thereon. This bait and switch, hitting us when we are in the middle of using their services and thus dependent on them to number one release our XXXX XXXX XXXX XXXX fee money, is beyond the pale, in terms of bad business practices, deceptive business practices, extortion, blackmail, threats, harassment, obstruction of justice, tampering with our small business, sabotage, terrorism, invasion of privacy, and other criminal, ethical, and moral transgressions. Please immediately and urgently investigate and advise. 

Release our funds, stop harassing us arbitrarily and capriciously, and let us continue to get on with the day to day running of our XXXX XXXX small business without XXXX, interruption, harassment, sabotage, disruption, and terrorism by PayPal Risk Management.