23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.
Product: Money transfer, virtual currency, or money service

The company tried to solve my previous complaint XXXX on XX/XX/XXXX unfortunately I made the mistake of providing my account number with an extra XXXX 
Have contacted the company through email and phone call to resolve my mistake but this time I'm not getting a response back. 

Have contacted the company through email and phone call but have not heard from them. 

I emailed XXXX XXXX an Executive Resolutions Team when he notified me that transaction XXXX XXXXXXXX was denied to correct my mistake but there is no response. 
Also emailed XXXX XXXX who was helping me but to no avail.
Product: Debt collection

On my XXXX  report, there two medical bills that have been paid by my insurance carrier, and its still reporting that I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.
Product: Student loan

I have contacted FedLoan on XXXX occasions in the last 30 days, totaling XXXX hours on hold There are no callbacks. 
Online chat is disabled They do not respond in XXXX message There is no way to contact them. 
Emails are unanswered
Product: Credit reporting, credit repair services, or other personal consumer reports

This account account was never late and paid in full when I sold my house. I have disputed this account several times and never get a valid response other then the account is verified that its mine and never get proof of showing i ever was late. That's because I was never late on this account!
Product: Debt collection

I am a resident of XXXX and have been my entire life. I have never heard of XXXX XXXX XXXX & was never provided any information regarding this debt. I only discovered it recently on my credit report. I have no associated with this account or this company.
Product: Debt collection

I received a letter dated XX/XX/2022 from Professional Choice Recovery, INC ( PCRI ) seeking to collect an alleged debt on behalf of a local university. I sent a letter dated XX/XX/2022 via certified mail received XX/XX/2022 to dispute the debt, request debt validation, and to stop all other communications with me and this address. To date, they have not sent debt validation in accordance with the FDCPA. I received another letter from PCRI dated XX/XX/2022 seeking to collect the same debt on behalf of the same creditor under the same account number. PCRI has violated my rights under the FDCPA to have the debt validated before continuing its collection efforts. I have included all copies of correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$470.00} 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
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had been a customer of XXXX XXXX and on XXXX XXXX, 2017, I received a welcome letter from XXXX XXXX  as my loan was service transferred. I had been current on my payments with XXXX XXXX. When I found out about the service transfer, I called Regions bank to make a payment ; however, the representative stated that my loan had not boarded their system and that I would need to wait until I received a welcome letter. They also reassured me that I would not get charged any late fees. I would also informed not to make payments to my prior service ( XXXX ). Thus, I stopped my automatic monthly auto drafts to XXXX as I was going to setup automatic auto draft payments to Regions once the loan was boarded into their system. On XXXX XXXX, 2017, I received my first billing statement from Regions. The billing statement showed amounts owed for two payments ( XX/XX/XXXX and XX/XX/XXXX ). However, they also are charging me a NSF fee for {$30.00}, and there is no explanation for this fee. The {$30.00} fee makes no sense as my loan was transferred and I was not able to make payment arrangements to Regions. This is a poor way to welcome a new customer and is a deceiving practice and does not sound legally right. Please help in this matter. thanks XXXX XXXX
Product: Mortgage

I filled the original complaint # XXXX. The claim was Mr. Cooper resolved the issue and the case was closed. This is in no way accurate. 

This is the second year my mortgage company Mr. Cooper has failed to pay my insurance policies through my impounded escrow account. I was forced to pay both policies out of pocket even though there were sufficient funds collected in my escrow account to make the payment. {$5800.00} for the XXXX XXXX XXXX  {$1000.00} for the XXXX policies in escrow. Total {$6800.00} Mr. Cooper has not performed in good faith after failing to paying my insurance XXXX in a row and allowing my fire insurance to lapse, it seems I am the only responsible party capable of paying correctly and on time. 

XX/XX/year> update : I have received the {$5800.00} for the XXXX XXXX XXXX but the {$1000.00} for the XXXX has not been returned.
Product: Money transfer, virtual currency, or money service

Hidden fees in marked-up exchange rates are wrong and deceptive towards consumers, and it should stop.
Product: Student loan

On XX/XX/XXXX, someone fraudulently charged my credit card upwards of {$1300.00}. 
On XX/XX/XXXX I discovered the fraud, and worked with my bank to move my money over to a different account. 
On XX/XX/XXXX I submitted a direct debit update to FedLoan requesting that they pull my payment that month from my new account that had just been created. 
On XX/XX/XXXX FedLoan charged me a {$58.00} non-sufficient funds fee. 

I asked for a refund in light of the fraud, and because I haven't missed any payments in the past. I also sent documentation from my bank with date stamps per their request to prove my fraud claims were true, and that even with {$1300.00} in fraudulent charges I still had the money leftover to pay my monthly loan payment. I was told that because I didn't cancel my direct debit three days before the payment due date ( this would have been impossible as, again, I didn't discover the fraud until the XXXX, which is the day before the payment was due on the XXXX ), and because they sent me a reminder email on the XXXX of XXXX about the payment ( irrelevant as everything with my money/accounts was fine on the XXXX and I can not see into the future ), it wasn't their error and they refused to reimburse me.
Product: Debt collection

XXXX, XXXX  XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXARS ACCOUNT RESOLUTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX  XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXX
Product: Credit card

I am writing to express my dissatisfaction and frustration with Wells Fargo Bank. I have been a loyal customer of Wells Fargo for over 10 years, and I have always paid my bills on time and maintained a good credit score. 
However, recently I discovered that Wells Fargo has cancelled my ability to repay my XXXX XXXX loan account through their online banking system. This is unacceptable and unfair, as I have been using this feature for years without any problems. I have not received any notice or explanation from Wells Fargo about this change, and I have not violated any terms or conditions of my loan agreement with XXXX XXXX. 
I believe that Wells Fargo has acted in a dictatorial and corrupt manner, and has abused its power and position as a financial institution. Wells Fargo has violated my rights as a consumer and has caused me inconvenience and financial hardship. I have to pay extra fees and charges to use other methods of repayment, and I have to deal with the hassle and stress of managing multiple accounts. 
I demand that Wells Fargo restore my ability to repay my XXXX XXXX loan account through their online banking system immediately. I also request that Wells Fargo apologize for this unjustified and arbitrary action, and compensate me for any losses or damages that I have suffered as a result. 
If Wells Fargo does not respond to my complaint and resolve this issue within 15 days, I will take further legal action and report Wells Fargo to the relevant authorities and regulators. I will also share my negative experience with Wells Fargo with the public and the media, and warn other potential customers to avoid Wells Fargo. 
I hope that Wells Fargo will respect its customers and act with honesty and integrity. I expect a prompt and satisfactory response from Wells Fargo. 
Sincerely XXXX
Product: Credit card or prepaid card

I called discover about approximately 6 months or more ago a reference to getting a lower interest because of my good payment history rate they lowered my interest rate but then was charging me two separate interest rates on the account I strongly feel that this unfair because this is a continue charge account and even if I'm paying more than what the principal amount is due More than 80 % of my payment is going towards nothing but interest this will not bring the balance down at all The amount paid towards the higher interest rate principal balance was less than {$10.00} and less than {$20.00} on the lowest interest rate principle I strongly feel this is unfair because this is a continuing charge account there should only be one interest rate on the account not two or three this is unfair because the balance is only {$3200.00} dollars this means that I would pay more than {$3000.00} in just interest on a {$3200.00} principal balance I strongly feel this is targeting no income people intentionally to get money from them and take advantage of people with poor scores that is trying to rebuild their credit
Product: Checking or savings account

Someone went into my account and tried to deposit a check for {$1500.00}. I tried to explain and show evidence proving it wasnt me. But they didnt bother and automatically tried to close my account. I had to switch ownership to my wife but now I don't have personal access myself to the account. This is difficult as Ive had that account for years and my paychecks and XXXX was all connected. Just to cause an inconvenience that I didnt do. This was on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in XXXX with Experian Credit Bureau for the late payment XXXX credit card is reporting in XXXX. XXXX credit card state I did not make a payment in XXXX and marked me as 30 days late. I have had that card for 10 years and was never late. I have proof I made a payment in XXXX and it was past the due date by a few days. Experian came back with an update that shows they corrected it and 2 months later it pops up again. I have once again provided all of this information to all XXXX of the bureaus and XXXX still reported it 30 days late in XXXX even though it was changed. You make a payment and then half of the payment they card interest payment the next day. I have had accounts with XXXX when it was originally Washington Mutual. This is insane how this credit card company requests a payment, you make it and then they charge you half of that again in interest. Their payments due are always different on the app than what they show on the statements.
Product: Debt collection

UNIVERSAL RECOVERY CORPORATION IS REPORTING ON MY XXXX SCORE FOR A BALANCE OF XXXX FOR XXXX XXXX. I NEVER BEEN TO XXXX XXXX OR UNIVERSAL REOCOVERY. I REQUEST FOR THIS COLLECTION TO REMOVED FROM MY CREDIT REPORT IN LESS THEN 30 DAYS IF NOT I WILL FILE A XXXX  COMPLAINT AND DISPUTE WITH XXXX ALSO AND I ALREADY FILED A POLICE REPORT AND CONTACTING THE PROPER F.C.R.A ATTORNEY TO SUE I KNOW I CAN WIN EASY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

Hi, My name is XXXX XXXX. I am also a father of XXXX, a husband, and a dedicated contributor in daily society. I am a XXXX worker and love impacting the lives of so many people on a daily basis. When I leave my XXXX I am forced to work a part time job 4 days a week at a XXXX to make ends meet for my family. I currently live in a XXXX bedroom apartment and struggle to make ends meet each month. Day in and day out my family is forced to sacrifice so much because of a decision I made to receive a private loan. The amount I pay monthly is ungodly and is enough for a mortgage on a home. I would love for XXXX day to be able to purchase a home for my wife and family, but for me this is out of the question as I will be paying student loans until I 'm XXXX. I 'm not quite sure how this will work as I get older, as I know I will be unable to maintain the amount of hours I am working now on a daily basis. I do everything I can for everyone around me, if you ask anyone I am XXXX of the most honest and hard working people you will ever meet. I am stuck in a situation I am unable to get out of and I am very disappointed. This decision has left me regretting going to college. I have never missed a payment since sustaining a full time job in 2010. I pay my college loan on time each month and I am always in good standing. Would it really hurt to assist someone in making a better life for their family. I do n't want the option of deference or increased interest rates. I want the option to lower my payment so my family and I can afford the things in life that I went to college to obtain. I look around and I am truly blessed with everything that I have in life, but my family needs more and I want to be able to provide that for them. I would love any assistance that is possible in decreasing or forgiving my loan. Thank you for your time.
Product: Debt collection

XXXX XXXX, XXXX, I sent a certified letter to all three credit bureaus inquiring about a debt that is listed on my credit report. The amount was approximately {$6200.00} from XXXX for an apartment complex. I was n't aware of it until I was denied residency at an upscale apartment housing complex. I received a response from the bureaus that redirected me to National Credit Solutions. 

On XXXX XXXX, XXXX, I sent a certified letter to NCS. Per the certified XXXX tracking notification, the letter correspondence was received by NCS on XXXX XXXX, XXXX at XXXX. After not receiving a response, I sent a second certified letter on XXXX XXXX, XXXX. According to XXXX tracking, the letter was received on XXXX XXXX, XXXX. To date, I have not received a response. In both letters, I asked for verification of the debt. I am very frustrated that I am not getting a response from this company. I am requesting this item be removed from my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed the following account had a discrepancy in the " account status '' section of. the listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " open '' account. 
Because of this apparent neglect in assuring everything In my report is accurate, consistent and up to date pleaso " DELETE '' this Item immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Checking or savings account

I made a claim to Wells Fargo on XX/XX/year>, about unauthorized transactions on my account. I was on the phone with them for several hours talking to them about the issue on how I lost my cards & realized my account mustve been compromised so I called immediately when I realized. They keep saying theyll look into it more every time, but currently its been a month now & the claim still says its closed on their end. The amount on both two claims totals to {$9200.00}, with one claim with {$1000.00} & another claim with {$8200.00} in total. I do believe more money was compromised though ( maybe up to {$10000.00} more ) that they just didnt look into or even care to look into. Ive heard they have an automated system which investigates such suspicious fraud activity, I told them that their investigator should look into more. Im currently not a happy customer with Wells Fargo so I switched to XXXXXXXX XXXX just in case my money isnt more secure in the future at Wells Fargo. I havent even received an e-mail regarding my claim ( s ), its always me calling them to find out more information, in the long run they have wasted so much of my time & of course money.
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 Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I sent a secured message while logged in to bank of the west to request the closure of the checking account, on XX/XX/2021 I received a online response to the secured message stating the said account will be sent for closing. 
On XX/XX/2021 a fee of {$10.00} was charged to the same account and this fee was not disclosed earlier but per me account was closed on XX/XX/2021 itself. 

To my surprise account was not closed- upon checking the status I immediately called the bank customer service on XX/XX/2021 and waiting for XXXX hrs on the phone line without being able to reach to anyone. 

Sent secure message reply on the earlier message for closing and received a response that since the balance is negative it can not be closed and was asked to contact the branch. 
It has to be noted that this account was opened online and meant to be completely online without need of any branch. 
I called the local branch on Monday XXXX and branch rep is asking me to come to branch to close the account- despite online confirmation.Multiple secure messages and wait on customer service phone is not helping and bank is becoming a pain to close the account.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification, I want a real human being to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but TRANSUNION has not yet compensated me for federal consumer violations and damages caused. I will have proof of my claims attached and I will have my Pre-Arbitration attached. Also, an invoice will be attached below. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration.