23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinance with Vantage West Credit Union in XXXX AZ, and the Closing Date that I signed was XX/XX/2019, the last company that I was with was Stearns Lending. Stearns Lending transferred my loan to XXXX XXXX XXXX on XX/XX/2019, while on the XX/XX/2019 Stearns Lending received a wire transfer to pay off the loan from XXXX XXXX XXXX in the amount of {$230000.00}. XXXX XXXX XXXX have a confirmation of wire transfer and was cleared by their bank. 

Today XX/XX/2019, I got a email from a company called XXXX which is affiliated with XXXX XXXX   XXXX saying that I have a payment due, XX/XX/2019, that is when I realized they transferred the loan. 

Today XX/XX/2019, I called XXXX and they said they have my loan, then called XXXX XXXX and they said that they had my loan as well but are not affiliated with NewRez or Shellpoint Mortgage Servicing. Then I called XXXX XXXX XXXX and then we called Stearns Lending. Stearns lending said that they can not find the payoff for my loan and that they transferred it to XXXX XXXX XXXX on XX/XX/2019. We spoke to XXXX XXXX XXXX. XXXX from Stearns Lending and gave us a referance No XXXX, for this issue.
Product: Debt collection

I have gotten multiple phone calls being XXXX told I need to pay or else. I told them stop calling, i finally blocked them and now they are leaving voicemails. They have called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

Purchased a XXXX  from a XXXX advertisement for {$91.00}, never received it and website does not exist anymore. I have cameras and no one showed up to deliver. Called to dispute because I never received said XXXX XXXX. Capital One claims they sent a letter for me to respond to but I never received it and now they closed my case. 
Because the file is too big, here 's two links to view the videos showing that no postal service stopped at my house at XXXX pm. Although there is a small gap in time between videos, at XXXX in the second video, no postal vehicle arrives or leaves the cul-de-sac XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Dear I.C. System, This letter serves as a formal demand that you immediately cease and desist all communication and collection efforts regarding the alleged debt associated with [ Account Number, if available ].

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all further contact with me regarding this matter. Any further communication, except as allowed by law, will be considered a violation of my rights. 

Additionally, if you believe this debt is valid, I request full validation, including : Proof that I owe the debt, including original creditor details. 
A complete payment history and itemization of charges. 
Evidence that I.C. System has legal authority to collect this debt.

Failure to comply with this request may result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 

If this debt is legitimate and you intend to take legal action, you must do so without further direct contact with me. Otherwise, I expect written confirmation that you will no longer contact me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX Inquiries I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$23000.00}, balance updated on XX/XX/XXXX, original balance of {$40000.00}, paid off XXXX XXXX XXXX XXXX monthly payment, an account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, terms 84 months, status open, and responsibility individual. The payment history shows 40 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Checking or savings account

On XX/XX/2019, I accessed my Wells Fargo on line banking to pay 2 bills to XXXX XXXX. I have a joint account with my husband and the online account is linked to his checking account. When I selected our joint account to pay bills from this time, and then clicked Pay Bills, in our joint account ( that option is in the account you select ) I then proceeded to pay XXXX XXXX ( 2 different amounts to both my XXXX XXXX  cards ) and clicked pay. For some reason, their site reverts the account to pay from back to his account and didnt use the joint account that I clicked into to start the Bill pay process. So needless to say, my husband paid 2 overdraft fees because apparently it does not matter what account you click into to pay bills from, once you are in Bill Pay it will revert to the main account. This happened one time before. Normally I can remember to change the accounts again once I submit a payment, but not all the time. This is deceptive the way they have the site set up and they wont refund me the full amount. I clearly had the funds to cover my charges, I was not truly overdrafting or hedging my payments against getting paid. Also, it should not be set to only have one account to pull from because it impact people that may use several accounts to pay various bills, like me. It is very unfair how their website allows you to select an account, choose bill pay and pay, but reverts your account to a different account that you didnt select to begin with and then charge you fees. It is very deceptive and unfair. I bet a lot of folks have this issue.
Product: Checking or savings account

I am writing to file a complaint regarding improper monthly service fees charged to my savings account by Wells Fargo. Below is a detailed account of the issue : I opened both a checking and savings account with Wells Fargo and have not made any changes to the balance or settings of my savings account since XXXX. 
Starting in XX/XX/XXXX, Wells Fargo began charging me a monthly service fee of {$5.00}. Prior to XX/XX/XXXX, my savings account maintained the same balance, but no service fee was charged. 
In XX/XX/XXXX, Wells Fargo refunded four months of service fees, stating there was a bank error. Despite this acknowledgment of the error, Wells Fargo continued charging me the XXXX XXXX  monthly service fee for each subsequent month in XXXX. 
I have not made any changes to my account settings or balance that would trigger these fees. Additionally, I did not receive any notification from Wells Fargo indicating that these fees would be charged.

I also noticed two refunds in XX/XX/XXXX totaling {$5.00} labeled as " refund of fees. '' This suggests continued mistakes on the banks part.

Despite acknowledging their error and issuing refunds, Wells Fargo has continued to charge me these improper fees without any explanation or notification. As a result, my account balance has been steadily decreasing due to their actions.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach that has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit file. 
Unauthorized Accounts XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$8600.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, XXXX, Equifax, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.
Product: Checking or savings account

XX/XX/XXXX- XXXX XXXX XXXX XXXX {$1500.00} from my PNC checking account. After I disputed the transaction ; the funds were returned to my PNC checking account with no explanation of the ach error. 
XX/XX/2022- XXXX XXXX Credit Card XXXX XXXX payment amounts of {$410.00} ( {$820.00} ) from my PNC checking account.
Product: Credit card

Loan ID : XXXX for the amount of {$13.00} with case number : XXXX Loan ID : XXXX for the amount of {$32.00} with case number : XXXX Loan ID : XXXX for the amount of {$4.00} with case number : XXXX Loan ID : XXXX for the amount of {$34.00} with case number : XXXX Loan ID : XXXX for the amount of {$53.00} with case number : XXXX Loan ID : XXXX for the amount of {$64.00} with case number : XXXX XXXX XXXX I got an email for each account that said I had a refund coming and to verify my information ( name and address ). I verified this information immediately. 

XXXX XXXX I got an email that each of the checks were being sent out. 

XXXX XXXX I had multiple cases opened and was emailing XXXX back and forth. She kept closing my cases after sending me XXXX message. Each message had misinformation ( wrong address ) I went through all the cases copy and pasting my response that NO that was the wrong address and I had already confirmed my address on XX/XX/XXXX. I took a screenshot and attached it to show that the address she was referring to was not even XXXX that I had confirmed for my account. I was told I need to wait XXXX  days for them to send out my checks. 

XXXX XXXX I still have not received my checks in the mail, well past XXXX  days at this point. I started a chat with a representative and he confirmed my address. He had no answers for me and told me to call the main number for Affirm. I told him I would be contacting the CFPB instead as I have already tried to get my checks and keep getting sent in rounds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with PERSONIFY with account XXXX been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record. I'm not sure if the 2 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that do not belong to me are being reported on my credit. I did not give anyone permission to open these accounts in my name. I have called Experian and told them in the past that these are not mine & I have no knowledge who opened them for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There is also 2 address listed that do not belong to me XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX, IL XXXX. My name is XXXX. XXXX & they are also showing that wrong as XXXX XXXX. There are inquries for things I never applied for XXXX, XXXX XXXX, XXXX XXXX. I have filed and also provided a police report as well as identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported. This distressing situation has resulted in potential employers denying my applications, thereby placing my family 's well-being at risk. It is disheartening to realize that the very company entrusted with ensuring accuracy and fairness, as mandated by the Fair Credit Reporting Act under 15 U.S.C. 1681e, has allowed such unacceptable information to be included in my credit report.
Product: Debt collection

I was sent a summons dated XX/XX/year> from an attorney debt collector. The debt collector is Roach & Murtha Attorneys at Law, P.C. I filed an Answer to the summons at the court and sent it by certified mail. Approximately two weeks later, I called the debt collector attorney at XXXX and my call was routed to XXXX XXXX at extension XXXX. XXXX XXXX is the assistant manager of the loan account, which has a balance of {$8700.00}. The original creditor was Upstart Loan ( XXXX XXXXXXXX XXXX  ) which was sold to XXXX XXXX, XXXX, and is now represented by Roach & Murtha. I want to submit a complaint about the way XXXX XXXX communicated with me when I called on XX/XX/year>, and XX/XX/year>. He was very rude and unprofessional. I did not expect a warn welcome but I also did not expect a personal attack. On both occasions, XXXX XXXX was hostile and abrupt with me and I was unable to get to the reason for my call. XXXX XXXX 's words were filled with anger, violence, and hate which took me by surprise. I thought I would be able to begin a discussion regarding payment plans, options, etc. but XXXX XXXX threatened my home by attaching a lien, accused me of not wanting to pay because I'm on social security, and then just hung up on me. The tactics used by this debt collector should be investigated.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EXPERIAN accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! 
Also, please be aware that I'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.
Product: Checking or savings account

I have been banking with the bank for more than 4 years during this time unfortunately my account was compromised several times and I reported it on time to the bank. Followed there dispute process and everytime the disputes were resolved under my favor. 
My monthly salary and my late husbands pension gets transferred to this bank since then. And this is the o my bank I have as my primary bank. All my direct deposit is and ach towards rent bill pay and autopay and insurance goes from this. 
Suddenly bank decieded to close the accounts stating banks decision. 
This has created a huge turmoil within my financial transacting position. My payroll and all other deposits are affected and am not able to get my banking done. 
I have been emotionally stressed and need urgent help.
Product: Credit reporting

I have completely paid off a retail account that was for a piano with Synchrony Bank XX/XX/2016. However Synchrony continues to report this bill as 90 days late with a balance remaining of {$1000.00}. This account has been paid down and off from an original balance of {$20000.00}. I have even received the paid off retail contract from Synchrony and release of lien on the XXXX Piano, but Synchrony is not reporting this to any of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in an item to XXXX  and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.
Product: Student loan

I attended XXXX XXXX University and graduated in XXXX with my XXXX degree and then in XXXX with my XXXX degree. 
Since then, over the years there have been periods where I had my payments reduced or deferred. I learned about this when I called to make a payment. I was informed that I can pay a reduced amount each month or that I can have payments deferred. One thing that they never told me, that I only recently found out about is, loan forgiveness. I would totally qualify for loan forgiveness except for the fact that I did take advantage of the deferred payment. 

I began working for the XXXX District Attorney 's Office in XXXX and continued to work there until XXXX. ( Also worked for the XXXX County DA 's office XXXX, totalling 16 years in public service ). During this entire time, I was never informed of the loan forgiveness which indicates that I would qualify as a public servant/ government position. 

So here I am rather than taking tremendous steps forward, I have incurred further debt when I should've been getting rid of my loan.
Product: Checking or savings account

On Saturday XX/XX/XXXX my card was used over {$1700.00} fraudulently. I lost my card and did not realize it until these transactions occurred. I contacted chase to file a fraud case. On Monday XX/XX/XXXX not even a full business day, my fraud case was closed with No investigation no nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from Experian, XXXX, XXXX Card, and XXXX XXXX  regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ. XXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my Experian Credit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX and also from XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX Telephone XXXX. 
I telephone XXXX XXXX XXXX Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 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 account without my written instructions.