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

I received a letter dated XX/XX/2020 notifying me that Wells Fargo is closing my account. No explanation was provided for their decision. I have been a Wells Fargo customer in good standing for many years. My account has sufficient funds, it has never been overdrawn and there has never been suspicious activity of any kind on my account. Wells Fargo Customer Service is unable to provide a reason for the closure and tells me that nothing can be done to reverse the decision. I receive direct deposits from my employer to this account and have autopayments set up for all of my bills. I'll now be forced to spend endless hours transferring my deposits and bill payments to another bank. I'm extremely frustrated that I can't get an explanation, and am quite perturbed by this situation.
Product: Credit card

I made a purchase with XXXX XXXX  through Affirm on XX/XX/year> and item was received in XXXX. I tried the item on and it did not fit as described so I returned it for a refund. I reached out to the company after 3 weeks of no response only to be told about a store credit received. I informed the store and told them that I would never shop with their store again and to provide a refund. I reported the return to Affirm that has not processed it as a refund and still continues to charge my account. I am not paying for an item that I no longer have and I am not accepting a store credit.
Product: Mortgage

I missed a mortgage payment last XXXX. I agreed to a 6 month repayment program through loss mitigation to make up for the missed payment. 

Under the program, i agreed to pay XXXX for the months of XXXX XXXX XXXX XXXX XXXX 

I have been making said payments as agreed. On XXXX XXXX XXXX, i made XXXX XXXX payments for my XXXX XXXX XXXX payment, another one the first week of XXXX, and a third XX/XX/XXXX for XXXX. 

My mortgage company, freedom mortgage, claims i am 2 months behind on my payments. I called and emailed them saying i made my payments, and sent them the bank statements as proof. 

Freedom mortgage said they would review my case and get back to me. I waited until the deadline and sent them a message. They responded saying they needed more time to review. It has been over a month, and i still have no answer as to why the payments i have been making are not going through.
Product: Money transfer, virtual currency, or money service

XXXX. I wired money {$XXXX} to XXXX factory to purchase products. XXXX. BofA didnt release my money to Bank XXXX XXXX XXXX XXXX. BofA the wire money box space is too short that I am not able to put full name of the factory. XXXX. Even I called BofA XXXX account customer service and XXXX XXXX is unskilled dont understand my English and dont understand my request and not able to finish my request. Even I requested to talk to her XXXX but my factory still not able to get my product money. XXXX. I request BofA to improve certain XXXX skills and training them well to hold the position and provide consumers good service. XXXX. It is unsatisfactory for my business needs which the XXXX who handled my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX XXXX XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft due to a data breach with XXXX  in 2018. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX 2.XXXX   credit card 3.XXXX credit card. In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

1.XXXX XXXX  XXXX XXXX Please remove all fraudulent items from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After i sent a dispute, debt validation letter certified mail, exercising my consumer rights under FDCPA and FCRA laws. The company failed to give notice to credit reporting agencies that the debt was disputed. I told them that they couldn't report to my consumer report without giving information that i requested to validate the debt. I sent a cease and desist letter, they responded saying they have processed my cease and desist and they still posted on my consumer report after i enforced my consumer right. The company went and stole my personal property and i filed a federal laws suit against the company. Due to the litigation i need the inaccurate information to be removed from my consumer report. XXXX XXXX  DBA OF XXXX, XXXX XXXX listed on my consumer report, must be removed due to me having full evidence of notice and never giving written permission for information to be posted to my consumer report.
Product: Debt collection

I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of the debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. XXXX  XXXX XXXX REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$620.00} TO CHEXSYSTEMS. ALSO XXXX HAVE REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$910.00} TO NUMEROUS CREDIT REPORTING AGENCIES UNDER MY NAME. AS OF TODAY AND TO THE BEST OF MY KNOWLEDGE, XXXX AND CHEXSYSTEMS is the only 2 CRA 's THAT STILL REMAINS. XXXX, XXXX, AND XXXX ALREADY REMOVED THE DERAGOTORY ITEM FROM MY PROFILE. ACCORDING TO THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.s1681-1681y. 
XXXX IS IN VIOLATION WITH CONSUMER LAW BY NOT IN COMPLIANCE WITH SECTION 623 OF THE FCRA, 15 U.S.C. 168s-2.
Product: Payday loan, title loan, or personal loan

It started at XXXX on XX/XX/2021. Needed a new device and noticed XXXX had a feature on their website for 'Prequalify '. It said you can prequalify for 0 % financing before you start shopping. I did this and was approved. I was sent an email with " You're approved for a credit card from XXXX! ". I figured out what I wanted and was ready with my product and with the thought of an approved credit I was going to check out. I started the check out process and when asked for pay options I chose XXXX XXXX. I was asked the same questions I had just answered about my personal finances which I thought was normal. I completed my check out and received my order confirmation. I received another email congratulating me on being approved for XXXX XXXX. This was confusing since I thought I was already approved for XXXX Credit Card and now I was being issued a credit account thru XXXX XXXX  I feel this was all very misleading from 'Prequalify ' to the XXXX XXXX XXXX out function. When I called XXXX directly they said I basically have XXXX credit accounts now. I told them this is unacceptable and felt mislead. They transferred me to financing directly and was advised to simply close the credit account ( s ) if I didn't want them. I immediately cancelled my order thru XXXX and simply used a debit card until I knew how to proceed.
Product: Debt collection

Around XX/XX/XXXX, I submitted a payment as discussed during a phone call, however, it was considered late when it was just 26 days after the due date. Despite acknowledging their error, American Express failed to amend the issue with XXXX and XXXX as promised. 
Subsequently, they erroneously marked me as over 30 days late and hiked up the APR on my card. I refused to pay the inflated amount until the credit report was corrected. Despite numerous attempts to resolve the matter and willingness to settle the full balance, American Express neglected to provide the necessary documentation. Their relentless pursuit of additional charges led me to cease all payments and card usage. Now, after a year of silence, they are attempting legal action. 
This will be contested on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, aiming to address the unjust fees and inflated APR resulting from their errors.

I demand a fair resolution and an end to their predatory practices that burden unsuspecting customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Validate Account XXXX XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX Account Number : XXXX 9. Validate Account XXXX XXXX  Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX  Account Number : XXXX 16. Validate Account XXXX XXXXT Account Number : XXXX 17. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX  XXXX Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

Please review the following information in reference to dispute of my delinquency on my mortgage. On XX/XX/XXXX we processed a payment with Wholesale Mortgage ( XXXX ). This payment was apparently never processed despite them sending us an email that it was processed. Please see attachment .United Wholesale then sold my mortgage to XXXX XXXX XXXX ) I just recently learned since XX/XX/XXXX my mortgage has been late, it was not reported to the credit reporting because it never reached more than thirty days past due. XXXX has not made any attempt to advise us of this delinquency via email or via phone. Their statement reflects a fee but does not provide an explanation of what the fee is. Please see attachment XXXXXXXX XXXX  continued. charging late fees until XX/XX/XXXX .They made no attempt to advise us of the delinquency from XX/XX/XXXX until XX/XX/XXXX .They have refused to provide proof of any attempts. In XX/XX/XXXX again my mortgage was sold to XXXX XXXX ( XXXX ). I still had no knowledge that my mortgage was late at this point. We received an email from XXXX XXXX stating that we are no longer to make a payment to XXXX and XXXXXXXX XXXX will begin accepting payments XX/XX/XXXX because of the sale. Please see attachment. My account then hit thirty days past due because of this, even though I had no way to make a payment prior .This is a violation of RESPA This 30 day should not be valid and I want my thirty day delinquency removed off of my credit report .This mortgage delinquency is the fault of 3 mortgage companies Wholesale Mortgage for failing to process the payment .XXXX for failing to attempt any collection efforts and Roundpoint for failing to be available to process payments in a timely manner. I believe all of them are committing a XXXX violations as result. I am asking for all credit reporting to be updated as well as all fees reversed and applied to the mortgage due to this gross negligence. In addition I want XXXX to be required to notify of mortgage delinquency by mail for all customers.
Product: Student loan

I request for my Credit report be sent to me and was surprisingly to see a judgement against me from XXXX XXXX XXXX XXXX after years of harassment during be unemployment. I fought with them from XX/XX/XXXX until they stopped in XX/XX/XXXX and now I see while they stopped even though they did not during the time mentioned below as I send them constantly letters stating that I was unemployment. 

Several of their collection agencies and attorneys just ring out to me all day everyday, including the weekend but never stopped. 

Now there is a surprisingly judgement on on credit report what involving Bleeker, Brody & Andrew, that first send me a warrant that was take to my residence door for another consumer and then lied and said that was me and found out that the other consumer was given my warrant. When I went to court, I explain to the courts and gave them a copy of the warrant and the judge was not please. I also explain to the court that they have been harassing during my hard time being out of work and collecting unemployment and again, the judge was not happy. Bleeker, Brody & Andrew also lied that they send my copy of my original warrant XXXX, and then I received a copy the day of the court date but they are allowed to put a judgement on my files. 

Now, since I did not have any money to get to court, I wrote letters them and let them know. So in between not able to afford to go to court, somewhere in there this judgement was place on my records. 
I know that I owe them because how do you repay during hard times. When I talked to XXXX XXXX and the attorneys, they instructed me to sleep in my car until I repay them back. 

I have tracking letters of this and hope that I can attached them as I have contact you before re : this harassment with XXXX XXXX XXXX loan and Bleeker, Brody & Andrew out of XXXX, GA
Product: Credit reporting, credit repair services, or other personal consumer reports

REGIONS BANK HAS MY CREDIT SHOWING ADVERSE XXXX BALANCE MONTHLY PAYMENT XXXX THIS CHARGE CARD HAS BEEN XXXX BALANCE FOR YEARS USED IT ONCE IN XX/XX/2022 RECIVED A STAEMENT IN XX/XX/2022 PAYMENT WAS DUE XX/XX/XXXX I PAID IT SEVERAL DAYS LATE NEVER OVER XXXX OR CLOSE TO. I PAID IT IN FULL XXXX AND RIGHT AFTER PAYMENT RECEIVED A LATE NOTICE CALLED ASKED WHY XXXX SAID NOT SURE YOUR BALANCE IS XXXX AND WAS NOT OVER 30 DAYS NEXT MONTH AND NEXT MONTH AFTER XXXX STILL RECEIVING LATE NOTICES I HAVE RECORDED CONVERSATIONS FROM XXXX REPS AT REGIONS THAT COULD NOT TELL ME WHY LATE NOTICES WERE BEING SENT TO ME, CHECKED MY CREDIT THEY HAVE MY CREDIT ADVERSE SHOWING XXXX BALANCE AND XXXX PYMNT A MONTH. PAYMENT WAS XXXX WHEN I RECEIVED THE STATEMENT AND PAID IN FULL LEAVING XXXX XXXX. REGIONS HAS PUT A FRADULANT DEROGATORY ON MY REPORT. THIS HAPPENED AFTER I PUT A BAD REVIEW ON XXXX. NEEDS NEED TO BE CORRECTED AS SOON AS POSSIBLE THEY ARE RUINING MY CREDIBILITY BY FRAUD THE PAYMENT NEVER WENT PASS 30 DAYS
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going or allow me to withdrawal or transfer my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for some time now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Vehicle loan or lease

CARMAX AUTO FINANCE Last reported XXXX XXXX, XXXX {$8600.00} Reported balance Highest balance {$16000.00} You've paid off 47 % of this loan OVERVIEW Highest balance {$16000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 2 mos ) Term 74 months ( 6 years )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Mortgage

We originally had a first mortgage with XXXX XXXX XXXX which was a major player in the collapse of the financial markets during the last recession, prior to that, In XXXX I applied for an equity line of credit with XXXX XXXX XXXX. During the housing crisis of XXXX I lost my job and was unable to pay my mortgage with XXXX  XXXX XXXX and XXXX XXXX. on XXXX I was able to acquire a loan modification for the first mortgage I was told that XXXX XXXX closed its doors and this account was reported as charged off as a forgiveness debt. I have NOT received any information, bill, or mortgage statement as to this debt until XX/XX/XXXX from XXXX XXXX XXXX [ EXHIBIT A ] stating they were my new mortgage servicer. I called XXXX XXXX XXXX and told them I understood this loan was charged off, she looked into the file and agreed it was no longer active and that it was sent by mistake. And Then I received one month later on XX/XX/XXXX a mortgage statement from Statebridge Company [ EXHIBITB ] declaring my mortgage payment is {$1300.00} a month but there is an over due payment of {$210000.00}. The original line of credit was for {$130000.00} I'm being charged interest for the loan since XXXX and have not received ANY information, bill, or mortgage statement since XXXX. On XXXX XXXX I sent a Qualified Written Request [ EXHIBIT C ], requesting a payoff and history of payment and explanation of this account and on XXXX XXXX I receive a loan history statement [ EXHIBIT D ] and I noticed an error on the loan history statement so I contacted the loan manager XXXX XXXX  to explain that they were charging for forced placed hazard disb. Then Yesterday XX/XX/XXXX I received notice of trustee sale taped to my door [ EXHIBIT E ]. As of today XX/XX/XXXX my home is now in foreclosure with a sale date of XX/XX/XXXX. Trying to deal with Statebridge has been very difficult I decided to apply for a loan modification even though I don't think that I owe this money knowing the payoff is wrong but because they filed a NOD XXXX XXXX I was scared that they would file a notice of trustee sale but they proceeded to file anyway without finishing the review of this account they say their investor is not willing to negotiate for a loan modification or any resolution except full payment when I spoke to XXXX XXXX  he says to send everything in writing because he has no knowledge of the previous account balance but he explained that his client/ investor is a new investor since XX/XX/XXXX when this account was transferred from XXXX XXXX to Statebridge XXXX We have lived in the home since XXXX and would do anything to keep it out of foreclosure. So I don't have any other options other than to contact you to help me to resolve this matter.
Product: Checking or savings account

Early Warning services has violated my consumer privacy rights. Please demand removal fraudulent addresses and accounts.