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

My mother passed away on XX/XX/XXXX. I am a Co-Trustee and Personal Representative for her. In XXXX of XXXX, I commenced transferring her accounts having more than {$800000.00} in multiple accounts at Wells Fargo to the names of the beneficiaries. It took approximately eight ( 8 ) months to have the accounts transferred, during which time delays occurred due to non-responsiveness by the decedent 's financial advisor, documents not being sent, documents being sent to the wrong location and delay after delay. I filed a Complaint with Wells Fargo. I received a letter that the matter would be investigated. Within weeks, the accounts were established for the beneficiaries. Thus, it took approximately 8 months before new accounts were established for the beneficiaries. During that time, funds were not available for funeral expenses, insurance and real estate taxes on real property. 

On XX/XX/XXXX, shortly after the accounts were opened, Wells Fargo responded that the accounts were opened and the problem was resolved. No it has not since I can not gain access to 2 accounts. One of these accounts is an Inherited Roth IRA in my name. I want to remove the funds from Wells Fargo of approximately {$8100.00}. 

Using the Financial Advisor for another year is futile. I attempted to download the forms to withdraw from the Inherited Roth IRA,, but the proper forms were not available for download from the website. I located the forms elsewhere on Wells Fargo 's website, and mailed them 2 months ago to request a check from the Inherited Roth IRA to me. Nothing has happened. I sent the form again 2 weeks ago. Nothing has happened. Today, XX/XX/XXXX, I called Wells Fargo. I was told that only the Financial Advisor could liquidate the account. I explained the problems that the Financial Advisor does not help, he delays. The representative with a difficult accent to understand said the Financial Advisor ( selected by my mother, not me ) was the only person in Wells Fargo that could help. He disconnected the telephone call. So here I am, with Wells Fargo having taken the funds and depriving me access. 

Similarly, there is a savings account in my deceased mother 's name. I did not learn for approximately 1 year that the funds in a saving accounts are treated differently by Wells Fargo than the investments. Thus, the Financial Advisor will provide no assistance other than forwarding forms. We submitted the notarized forms to Wells Fargo to change the title to the account to the trustees 2 weeks ago. No response from Wells Fargo.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft, see attached
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PayPal regarding an unresolved unauthorized transaction claim that has led to significant financial inconvenience and an unjust negative account balance. Despite providing substantial evidence supporting my case, PayPal has failed to close the claim in my favor, leaving me in a deeply frustrating situation. 

On XX/XX/16, a sender had filed a case with PayPal claiming that they did not authorize a payment of {$100.00}, which they willingly sent. I responded to the case providing a screenshot of communication between the sender and myself to support my claim. 

It is important to note that the sender of the funds in question falsely made a claim to recover their funds, despite the transaction being authorized. I am deeply disappointed that PayPal did not conduct a thorough investigation to assess the credibility of both claims, instead favoring the senders baseless request and overlooking my solid evidence. 

Furthermore, the lack of a fair resolution has resulted in my PayPal account balance being unjustly set to a negative amount. This negative balance poses significant inconvenience and distress, preventing me from conducting transactions on the platform. 

I strongly believe that PayPal has a responsibility to thoroughly investigate claims and provide a fair and just resolution for its customers. 

I trust in your organizations commitment to consumer protection and fair business practices and look forward to a prompt and fair resolution to this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I closed on a {$300000.00} mortgage for 15 years at 3.25 % with Caliber Home Loans. On XX/XX/XXXX, I made the first of XXXX bi-monthly payments via an ACH draw on my bank account. Each monthly payment was in the amount of {$2100.00}. On XX/XX/XXXX, I received a letter from Caliber Home Loans stating that I was in arrears in the amount of {$4200.00}, which would be XXXX monthly payments. They threatened to report me to the credit bureaus. I was not in arrears and stated that in a message posted to their customer service message server and asked them to state that they would not report me to the credit bureaus. 

When I did not receive a response from Caliber in the promised two business days, I initiated a refinance with XXXX XXXX for a 15 year mortgage at 2.625 %. That mortgage closed on XX/XX/XXXX and the payoff amount requested by Caliber was {$290000.00}. The outstanding loan amount, calculated by using an amortization table, was {$290000.00} and the refund owed to me by Caliber was {$2100.00}. On XX/XX/XXXX, I received a check from Caliber in the amount of {$1200.00}, which is {$840.00} less than the amount owed me. 

Well before I received this check, I filed a complaint against Caliber with the XXXX XXXX XXXX. I also filed a complaint against Caliber with the CFPB. I declined to accept the explanations offered by Caliber and, in my last response to Caliber, I requested a detailed statement from them showing how they arrived at the {$1200.00} figure. They refused to cooperate with the XXXX  and the complaint was closed with suggestions on how to proceed further. Caliber closed the complaint I had filed with the CFPB, stating that since the mortgage had been paid off, there was no justification for my complaint. 

If Caliber had responded to my initial complaint and worked with me to resolve it, I would never have filed with the XXXX or the CFPB. But Caliber did not do that. They made no attempt, at any time, to reach out to me to discuss a resolution to my complaint. I had no option but to file the complaints I did as trying to communicate with Caliber is an exercise in futility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on TransUnion and XXXX  Credit Report. I have wrote in to the agencies and TransUnion still has not corrected this matter. XXXX  and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent, Account name XXXX XXXX XXXX, Account # 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 instructions
Product: Credit card

There was fraud committed against me in XXXX 2013 by sister in law that used to live with us. over $ 4XXXX in online charges were made by this person. shortly thereafter she moved out and left the state. I have called numerous times to Discover, filed fraud affidavit, and even a police report. They did credit most of the charges however, they left over {$800.00} for some reason. 
I am now learning about this as a result of being turned down for a car loan, because of the discover issue that is apparently reflecting negatively against my credit. 
This issue will now force me to pass up an opportunity to privately sell my current vehicle and most likely be forced to trade it in, in order to process the loan and obtain the new vehicle. This will cost me money I can not afford to lose.
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX XXXX Address thats not associated with my address is located in XXXX Tx. Also please remove these fraudulent unauthorized inquiries XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. BeginningXX/XX/XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles Handling of disputes, particularly in the light of the CFPBs recent lawsuit describing significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution as well as Zelle failed to investigate, my claims adequately they informed me recovering loss funds was impossible, and tracking these transactions are unfeasible. 
The CFPB findings indicate that Zelle has not only neglected to protect consumers But are allowing repeat offenders to exploit the system Which is leaving users vulnerable to scams. This lack of un accountability. and transparency is unacceptable. and it also raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My XXXX loan account is reporting inaccurate late payments on the account. According to my Transunion, XXXX, and XXXX The student loan company reported a one time 90 past due late payment on XX/XX/year>. How can the payment be 90 past due late on XX/XX/year> but in XXXX, XXXX, XXXX, XXXX, XX/XX/year> the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion reporting agencies are still reporting inaccuracies, derogatory information about my accounts and refuses to reinvestigate each account and send me detailed information as to how they keep stating accounts are accurate. Delete or correct misinformation. And stop putting these accounts back on my report as validated and accurate.
Product: Payday loan, title loan, personal loan, or advance loan

I applied with ACIMA for a line of credit to purchase items from XXXX XXXX. I was approved for {$4000.00}. I proceeded to order items from XXXX XXXX. XXXX XXXX rescheduled my delivery 4 times, twice stating items were not available at the time. Then there was inclement weather so the delivery was rescheduled another time. XXXX delivery called me on XX/XX/XXXX stating that my items were on the way and when i talked to the representative they said that all my items were on the truck and that they would put a note in the account as my delivery date was scheduled on XX/XX/XXXX. XX/XX/year> came and the delivery showed up the driver stated that XXXX XXXX didnt have all of my items and that the only thing that they had was the couch and the dresser ( i ordered a bedroom set, bed dresser night stand, sectional couch, mattress, and table ) the couch exceeded the capacity of the elevator so I instructed the driver to take it back since it would not load in the elevator. the driver also stated that the XXXX representative at the warehouse told him it would be ok if i didnt want to take the items he brought and I could return them to await when all my items were available with no extra charge to me. When I contacted XXXX they stated that one of my items had been discontinued, and I refused the delivery which was not true and charged a delivery fee for Items that I do not have. 



I proceeded to call XXXX  to cancel my order. It took 5 days to get an official cancelation. I then called acima to terminate the lease since I did not recieve the items and the order was canceled. I im medicately called acima and they called XXXX XXXX while i was on the line and verified that the order was canceled. the representative from acima state that they sent in the requisition to have the lease terminated but it takes 7-10 days. I keep recieving information regarding a loan amount and now i recieved an email notification that my credit with acima was denies since i have an outstanding loan already with ACIMA. I never reapplied for any time of credit, and Im having difficulty getting anyone on the phone with ACIMA to verify that my lease/contact with XXXX is canceled.
Product: Credit reporting or other personal consumer reports

There were unauthorize charges on my XXXX credit Card The company didnt investigate and reported 30 days late .should be removed from my credit reporting file as incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXXwith concern to hard inquiries from XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I paid my student loans in full in XXXX of XXXX through FedLoan, closing my account. My account was going to be transferred to XXXX but then I got a letter from FedLoan stating that the transfer was delayed or cancelled & that they would contact me if that should change on XX/XX/XXXX. On XX/XX/XXXX or XX/XX/XXXX of XXXX I requested a refund of {$10000.00} of the {$10000.00} that I paid in full as part of the CARES Act. I was told initially that this would take 1 week or up to 1 month. I called again in XXXX to ensure that the request for the refund had gone through as I hadnt heard anything or received any confirmation. They told me it had gone through, but that the information I was given to me initially was wrong & it could be six months. They said it showed in their system the refund has been requested but that it had moved to the XXXX XXXX XXXX  & that was what the hold up was. I called a few days ago & the automated messaging on FedLoan said my loan had been transferred to XXXX. I finally got through to customer service & the agent ( # XXXX ) said it continues to show that I requested the refund & that the request had been sent to the XXXXXXXX XXXX XXXX XXXX. She said it also shows that my account was transferred to XXXX but that the refund would still be going through FedLoan because thats who I paid the account off with. I still have yet to receive any account related letters via email or mail to inform me that my loan with a {$0.00} balance was transferred to another loan servicer. Now I do not have any way to even check the status of my loan balance to see if I have been refunded.
Product: Credit reporting

XXXX is reporting a late payment on my credit report. I believe this information is incorrect and/or is too old to report. I request that the late payment is removed from my credit report. The late payment reported is from the following dates : XX/XX/XXXX.-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Below is my account number found on my credit report : Account Number XXXX - - Account Name XXXX Account Number XXXX - - Account Name AES/XXXX Account Number XXXX - - Account Name AES/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to TransUnions web site on XX/XX/17 to place a lock our my credit reports. Directed to create an account, which I did. There was never any mention of any charge, let alone a reoccurring monthly charge of {$19.00} to do this. On top of that, when I attempted to lock my reports, an error message came up stating : " We are having trouble matching a TransUnion credit file with your personal information. Please contact TransUnion 's Customer Relations Monday & mdhas ; Friday, XXXX XXXX-XXXX XXXX. ET at ( XXXX ) XXXX ( press # 4 ). '' The credit information they had for me was correct as was my profile information so the above message makes no sense. 

Tried to lock my account numerous times and all failed. Finally called the phone number shown above, somebody took my social security number then hung up. Called their support number and they were of no help. Simply said to keep trying and had no idea who the above phone number belonged to. 

So now my identify seems to be in jeopardy due to their web site. 

There also appears to be no way to contact Transunion via email or chat. Have to call and sit on hold to talk to somebody that has no clue.
Product: Credit reporting or other personal consumer reports

Response to an insufficient validation you sent to me.This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I already asked that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.6. ( Thepurchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumer that a person other than the creditor of suchconsumeris participating in the collection of or in an attempt to collect a debt suchconsumer allegedly owes such creditor when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof.

You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek lMonetary compensation damages for the violations you already committed.
Product: Credit reporting or other personal consumer reports

Experian continue to report an address on my credit report that I have never lived at. I have disputed this address and Experian will not delete them off my report or show proof that I lived at this address. 

They are reporting the following address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX