23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Case number : XXXX I tried to dispute this case on the form they sent but for some reason it would not send. This is notification that I am disouting the reponse dated XXXX XXXX, 2016. I am writing in reference to the response received from Wells Fargo. 

I feel this is not resolved due to the following issues!. They stated they did not disclose personal information. I had XXXX packets left on my door step ( XXXX was taped with electrical tape to the front glass door ( XXXX pages ) and the duplicate copy of XXXX pages of information clearly written FORECLOSURE throughout XXXX page paperwork was strewn throughout my neighborhood and returned in pieces to me by several neighbors, friends, as well as landscapers and plumbers working on my neighbors homes. Extremely humiliating and absolute breech of privacy breech. How can Wells Fargo investigation reveal otherwise and that ets up a red flag. Again, I am in a situation that i did not choose. My spouse of 26 years left myself and XXXX children. I am a full time XXXX and a respected and active XXXX. I have worked hard for 4 years to raise XXXX children and upkeep in our property at XXXX XXXX XXXX XXXX MD XXXX. I have requested and applied for loan modification after loan modification and written XXXX hardship letters at least. Spouse and co owener of home is not willing to participate in any of these efforts and requesting home to crumble around myself and children. I had requested several times in writing that his mail from Wells Fargo and the like be mailed to his address in XXXX MD. Sounds as if this is finally resolved and thank you but what about all the correspondence he never received. I have watched people sent out by Wells Fargo to sit outside my home. How unsafe and unnerving is that an had neighbors asking wjhat they were doing? Everyone has a story, but what happened to our family was traumatic enough without all of this additional humiliation and breech of privacy. 
I am doing everything in my power to get a modification under my name only so that I can begin making mortgage payments to stay in my home at least until my kids are finished school. As a single mom, I can not afford a {$4000.00} pick a pay loan amount that is an upside down crooked mortgage as it is and I want that point investigated as well. I have spent thousands in an effort to keep this property maintained and have had XXXX flooeded basements in the meantime. 

I have contacted XXXX XXXX office and states attorney this month as well as years past and am in recepit of suggestions and recommendations for continued actions to try to keep my home. 
Thanks you again for your follow up. I did not even get a sincere apology., I got we are sory you have had frustrations. 

Thank you for the continued resoultion and follow up.
Product: Debt collection

I signed a contract with Lexis Nexis for legal research services. The contract expired on XX/XX/year>. The company continued to bill me for services and charge my credit card for 17 months after the expiration of my contract, which totaled an overcharge of {$6900.00}. The company continued to bill me for another 4 months and now is trying to collect on this debt. My rep will not return my calls and their " recovery department '' is threatening litigation.
Product: Credit card or prepaid card

CAPITAL ONE ACCOUNT OPENED FRAUDULENT WITH A BALANCE OF {$720.00}. 
DATE opened : XX/XX/2018 please delete this account from my XXXX CREDIT REPORT under 15 U.S.C. SEC.1681i ( a ), you must investigate or delete from my credit report.
Product: Credit reporting or other personal consumer reports

First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the XXXX Century Act, aka Check XXXX system, which has caused me Injury and Damages ; Second Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT XXXX, XXXX, THE NEGOTIABLE INSTRUMENTS ACT { amendment and miscellaneous provisions ) of XXXX, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve Act of XXXX, The Federal Reserve Banking Act of XXXX, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure , By Not Following House Joint Resolution 192- PUBLIC LAW 73-10, which has caused me Injury and Damages ; Fifth cause of action : Acquiescence/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX XXXX XXXX routing and account number, which has caused me Injury and Damages ; Sixth Cause of Action : Acquiescence/Nonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action : Acquiescence/Nonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e . my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ;
Product: Debt collection

I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX XXXX regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX XXXX  XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX management about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I  was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.
Product: Credit card or prepaid card

I was called by capital one asking if I opened up a card at cabellas. I had not applied. They had tried to open online and send it Oregon. They had my SS name and phone number. 
Card was denied. 
But Im reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I have a " XXXX XXXX XXXX '' through Synchrony. Recently I was checking my statements and noticed that they have been charging me a {$38.00} late fee nearly every single month for the last couple of years. 

I always make my payments to them online, and normally well over the minimum ammount ( sometimes 3 to 4 times the minimum ammount ). I pay twice a month to split evenly between paychecks. 

Synchrony Bank is using deliberate and deceptive business practices to scam their customers out of more money. I am one such example, where I often pay more than once a month, well exceeding my minimum payment. They use loopholes like moving closing dates between payments to make it appear as though payments are late. I called customer service and was told that they have a hidden date that they prepare the statements, and this date changes month-to-month. Depending on how your multiple payments fall around this hidden date, they may only apply one of your month 's payments towards the balance, and then hit you with a late charge. 

Here is a recent example from XXXX 2018. On XX/XX/2018 I made a {$250.00} early payment. Then, on XX/XX/2018 I made another {$150.00} payment. When I read my statement for XXXX, I get hit with a {$38.00} late payment fee. Upon investigating, they have been doing this every single month to me. I am a good customer that makes well over the minimum payment, and even sends in multiple payments per month, and it's an absolute shame that a company will pull such dirty tricks to rob their customers of money. They have robbed me of nearly {$1000.00} this way already!
Product: Student loan

On several occasions I have called Navient in order to better understand my options for repayment and or lowering my interest rate. Today XX/XX/19 I again called because some of my loan percentages were up to 12 %. I am unable to find information as to what the max is for interest. In the past I have been told there is nothing they could do for me, in addition to, suggesting that I have a child in order to lower my payments because of number of dependents! I have been working hard to pay additional amounts to the higher interest loans in order to pay them off. Each time I get close the rate seems to go up! A year ago the highest % rate was at 8 % and now it is at 12!! There is no attempts to assist you in paying off your loans. The customer service people are rude and not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of 2002 XXXX This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 usc 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting

I have an old account from XXXX financial svcs that is past the 7 year reporting period. XXXX has renamed the debt and continues to report this debt years after it should have dropped off my credit reports. I have disputed the debt with both Experian and XXXX on numerous occasions but it has not been removed. I have an old Experian credit report dated XXXX/XXXX/XXXX that shows it was to be removed in XX/XX/XXXX. That account name was XXXX XXXX XXXX. Today the same account has simply been renamed and is being reported on my Experian credit report as XXXX. XXXX is also reporting that I filed a chapter XXXX bankruptcy. I have never filed for chapter XXXX bankruptcy. I would like to have this removed. I am applying for a home loan and this re-aged debt is causing the mortgage lenders to deny my application.
Product: Checking or savings account

recently I applied for a Bank of America merchant account for my small business and I purchased a mobile unit to accept credit cards that the bank charge {$99.00} for it I did 3 transactions and the bank told me that they were suspicious only because the address were the same. the addresses are same, the first 2 transactions were my other business paying with the business credit card to XXXX XXXX XXXX XXXX with the merchant account that also own and operate both businesses from the same office address, but to Bank of America its suspicious. this compliant is about the 3rd transaction and was last transaction before they suspended the account it was for {$1500.00} and the bank ask me for the 3 invoices for the transactions which I supplied to them containing all the information they ask for then they the close account. and the last transaction and return the {$1500.00} back to the card because the event was cancelled. The Bank did not credit my business account with the {$1500.00} that was return to the cardholder leaving the business checking short {$1500.00} even though the got the money they did not take the transaction fee of XXXX percent, but they still own the business money which their holding for 6 months, they told their excuse is if it becomes a charge back, however there won '' t be a charge back because the cardholder already got the money back, they refuse to Credit my Business with the Money for 6 months
Product: Credit reporting or other personal consumer reports

FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION XXXX ( a ), SECTION XXXX ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( XXXX  ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : ADS/Comenity/mypoints reward ( XXXX ), XXXX  ( XXXX ) XXXX SYSTEMS XXXX ( XXXX XXXX XXXX XXXX SYSTEMS ( 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: Debt collection

Hello. I've been requesting validation from LVNV Funding for a debt that claim I owe. No validation information has been received. They have begun contacting me, where there had been no communication before, via calls and letters to collect the debt. I continue to dispute the matter. Today, XX/XX/2019 @  XXXX. I received a call from them, robo call, stating they would have " me arrested, freeze my bank accounts and suspend my social security # '' if the matter is not handled. I have the voicemail saved. Not only have they not furnished information to me on this account, that I do not owe, but they are threatening me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I havent received a direct deposit or a transfer ever both made on Wednesday. I contacted Capital One on XXXX, on Wednesday, and they denied any issues. As of Thursday XXXX  they tweeted that they were having a vendor issue. This is causing so much stress, my account is already - {$100.00}, which means I literally have no money I can access. I also never received a {$20.00} transfer from a company called XXXX, that was also made on Wednesday.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under FCRA to conduct a reasonable and thorough investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Synchrony Bank ( The Sams CluXXXX Card ), I opened a charge card on XXXX/XXXX/XXXX. I do not dispute this. However, at the time, I was given a temporary shopping pass and no physical card since this card was opened in the store. Somehow this card then had a balance of {$110.00} as of that date, with a scheduled payment of {$29.00}. Even though I did not physically have the card in order to use it, the balance then went up to {$140.00}, {$190.00}, etc. I had attempted to contact Synchrony Bank customer service on two separate occasions to obtain the physical card and obtain information about the account, but they denied to give me any information without me providing my card number. I am not sure how to provide them with the account or card number without the physical card. I then requested at the customer service desk in-store to be provided with this card. 
Apparently, there have been charges made on the card, even though I never had physical possession of the card. I am not sure how this is possible. The payment due amounts seem frivolous and made up. It is possible another person had been using this card, but more than likely it seems that synchrony bank made a mistake. 
On XX/XX/XXXX, I contacted Synchrony Bank to obtain information about this account after learning it was reported to the credit bureau and I was attempting to get a mortgage. I explained my situation, expecting to be able to place a fraud report. However, they refused to provide me ANY information about the account, stating that the debt was sold to another company. They stated that they have " no information regarding the account anymore. '' I requested a verification letter and was told multiple times that this was " not possible ''. 
If this is the case, how are they reporting it to the credit bureau? I then attempted to contact the place they sold the debt to. Apparently, they have no information regarding this debt either. However, it is very convenient that they are able to " verify the debt '' to the credit bureaus but are barring me from disputing that this is actually my debt at all. This is violating my rights and a blatant attempt at avoiding taking responsibility for their own mistake. The debt was sold to XXXX XXXX, yet I have never had any notice of this and was never contacted by them.
Product: Checking or savings account

~ XX/XX/XXXX : I received an email offer to open a new Wells Fargo XXXX checking account by XX/XX/XXXX to receive a {$2500.00} bonus ( using offer code XXXX ) if more than {$250000.00} of new deposits were made to linked accounts within 45 days of opening account and maintained through day XXXX of opening the account. Payment of the bonus would be made within 30 days of satisfying these terms. 

~ XX/XX/XXXX : My wife and I opened a new Wells Fargo XXXX joint checking account ( using offer code XXXX ), and made more than {$250000.00} in new deposits to linked accounts within 45 days of account opening, and held the required balance through day XXXX of opening the account. 

~ XX/XX/XXXX : the bonus has not been deposited to our Wells Fargo XXXX checking account within the 30 day period subsequent to satisfying the bonus terms.