23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This account originated with Wachovia Bank. At some point Well Fargo purchased the account however in the process the account was inadvertently entered twice. I was not even aware any money was owed until I went to apply for a government job and was denied due to this huge error. I contacted them to get it resolved and was informed there was no way they could put the money on the account because there was no place to credit it. A Senior Vice President then created a letter indicating that they considered the account paid in full. I was also able to confirm there was only XXXX account. Since my credit was still reflecting XXXX account the Branch Manager with whom I bank with sent an inter office email trying to show that there was only XXXX account. I thought this issue was resolved but my credit monitoring company sent me an alert that Wells Fargo again changed the balance from XXXX back to {$170.00}. This is getting very frustrating. I have tried numerous times to get this resolved and I continue to get the run around. I have been fighting this for some time. I have spoken to several different people and even received a letter from a Senior Vice President indicating the account was considered paid in full. I have even had my own branch manager try and get this resolved and still there is XXXX accounts reporting and both show balances. This is causing a huge financial issue and employment issue. I do not know where else to turn. This account is extremely old almost to the statue of limitations and it 's still causing many issues.
Product: Mortgage

Bank of America and their cohorts have made multiple intentional misrepresentations related to this account and the associated Deed of Trust or mortgage. 
On XXXX XXXX, XXXX, Bank of America, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ) represented to me, the public in general, and XXXX in specific, the property was to be sold at public auction when, in fact, only the unsecured XXXX Deed of Trust has been sold for {$320000.00} ( according to information provided by XXXX ). It is unclear if the XXXX Deed of Trust has been sold to a XXXX, or if Bank of America and their cohorts have merely removed the unsecured mortgage account from one investment pool to another. If the latter is true, it is further evidence of a real estate, Deed of Trust, and mortgage back securities racket supported by business relationships established for profit while defrauding unsuspecting law abiding good folk and, if government funds are involved, the tax payers of the state and federal governments of the United States of America. 

41 ) Defrauding the citizens of the United States of America. 
42 ) Defrauding the citizens of the State of California. 

Since XXXX XXXX, XXXX Bank of America has represented to me there have been XXXX " pre XXXX '' assigned as the designated single point of contact ( SPOC ) by the names of XXXX XXXX and XXXX XXXX. To my knowledge, the term " pre XXXX '' is not a term defined in the National Mortgage Settlement ( NMS ). 

All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and EXPERIAN on multiple occasions to rectify these illegal transactions on my credit report that i did not authorize nor gave authorization to anyone!! hard inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. 
UNAUTHORIZED ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

Westlake Financial responded to an initial complaint file through XXXX with inaccurate information. Westlake Financial stated that they emailed paperwork, for a differed payment that they proposed, to my email address and stated that they had not way to get in touch with me to follow up. Westlake financial did not send anything to my email address and only responds to emails with an automated response. As a result of this, they are now claiming that my account is 57 days past due ; making it also virtually impossible for me to pay my account as they have denied me online access.

Westlake financial has my address on file as well as my email address and could have used either to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2019 and XX/XX/2019, my wife and I were in XXXX XXXX XXXX, Utah assisting our son in remodeling an apartment into which he was planning to move. As I bought materials on, or about, the XXXX, I was invited by the vendor, XXXX XXXX, to apply for one of their customer credit cards, offered through XXXX XXXX. I agreed and they issued an immediate {$50.00} credit against my bill of {$62.00}, leaving me with a XXXX  dollar balance, which i left on the card for my son to pay at a later date. However, I made an error in the address given, and the bill, subsequently, failed to reach him. At that time, my credit score was ~XXXX, depending on which of the big three credit bureaus checked. Of course, neither my son, nor I, knew anything was amuck for some, and by the time I learned of the overdue debt, ( ~about XX/XX/2019 ) my FICO score had dropped a hundred points. Meanwhile, my wife and I were planning to buy or build a new home somewhere in the western  US, and had begun getting pre-approved with XXXX XXXX. The results where quick and favorable due to our high credit score and present cash flow. Fast forward to now, we didn't buy, we opted to build in XXXX XXXX, OR and put down earnest money in XXXX. 
Now, here comes XXXX XXXX XXXX credit enhancement team on the phone ( ~XX/XX/XXXX ), offering to help me repair my marginally low credit score! I had paid off the {$12.00} balance on the XXXX XXXX ~XX/XX/XXXX, but was shocked to see that puny {$12.00} had dropped my score about 95 points, an event which could cost me $ 1,000s over the course of our pending mortgage. My recent efforts with XXXX to remedy things has proved very frustrating. First, they said to pay-off one of my credit cards and have the company in question send a letter to that effect, and they would bump up my score accordingly ( ~40 pts. ). I told them we pay-off all our cards each months, but are also using them for all our everyday purchases and some auto-pays, as well. This made it tricky to show a XXXX  balance and get a " XXXX  balance '' letter in the works at the same time that we are still alive and spending. But I did it anyway and called XXXX to brag, when they surprised me once again with some baloney about their computer model having updated to a new format that no longer allows a bump-up for XXXX balance ; now it requires a small balance, but only one that is current ; i.e. not yet being charged any interest ... ... ... ... ... .IS IT BEGINNING TO LOOK LIKE THE BANK/CREDIT BUREAU THING IS A CABAL? I MEAN, THEY HAVE PUT ME THROUGH THE WRINGER OVER XXXX BUCKS!!! AND APPEAR TO BE INTENT ON ONLY ONE OUTCOME ... .HIGHER INTEREST RATES AND FEES ON MY MORTGAGE. If you have a solution, I will look forward to your response. If you have an explanation, please skip it and save us both some trouble. 
Yours truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information includes : 1 ) A personal credit card account opened at XXXX XXXX on XXXX under Account # XXXX : XXXX ) A personal credit card account opened at XXXX XXXX on XX/XX/year> under Account # XXXX ; These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report maintained by your agency, showing the aforementioned fraudulent items. 

I do not recognize the accounts, collections, or hard inquiries as reported. None of the accounts, collections, or hard inquiries appearing on my consumer credit report were opened, made, or initiated by me. All of these are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint ( private case number ) as proof from the U.S. Federal Trade Commission that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I financed a vehicle XXXX XXXX XXXX on XX/XX/XXXX. The total financed was {$21000.00}. The annual percentage rate is 7.90 % per year. Number of payments is 72 months of {$380.00}. First payment due date is on XX/XX/XXXX of {$380.00} but made the payment using a debit card on XX/XX/XXXX. 
Checking through their website at Setf.com I see a payoff amount of {$21000.00} on XX/XX/XXXX. Then on XX/XX/XXXX the payoff amount is {>= $1,000,000}. But why? If I made their first payment before the actual due date. I dont know why it increases the pay off amount by each day when it should be annual percentage rate. How do they expect someone to pay it off quickly when this is happening. 
I reached out to them but each person I speak to gives me a different answer which for me it surely doesnt make sense at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX BaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ive tried to call and explain and reason with all 3 bureaus but they keep updating the incorrect information. Ive mailed XXXX, XXXX, and trans union dispute letters but havent received any letter or response by mail and its been well over 30 days. These agencies are in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not.

5 inaccurate accusations of late payments. This is a billing error. Please correct this error immediately. This is misleading/inaccurate information, especially according to 15 usc 1666 , 15 usc 1666b , 12 cfr 1026.13.
Product: Debt collection

Debt was paid and settled with MiraMed Revenue group on XX/XX/21. A paid in full letter was request and was stated to be sent however, no letter was ever received. Multiple calls were made and I was told repeatedly a letter was sent every time and would arrive every time in 5 days and it has been a month. They also informed me the credit beauru would be updated and to date the accounts still show as in collections with a balance. I have continued to call and ask for Both a letter and for the account to be updated with no resolution.
Product: Debt collection

On XXXX//XXXX/2018 my daughter informed me that {$3000.00} was being held from her bank account because of a court order. After calling her bank we were informed that XXXX XXXX on had a court order to collect funds from a judgement but instead of going after me ( My money is exempt from collection because it 's a pension ) they went after my daughters account which was money from her XXXX student loans and financial aid. My daughter is XXXX. They account was opened when she was XXXX. 

I never received a copy of a complaint, nor any judgement paper work. I had no i idea about this. I was never served with a summons
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that I C SYSTEM COLLECTIONS has furnished some items that have unverified information. I believe under

the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from I C SYSTEM COLLECTIONS but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed  under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything  more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I noticed some inquiries and accounts that was opened fraudulently and I file for an identity theft. Below are the accounts and inquiries that was opened without my knowledge XXXX XXXX {$290.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$360.00} opened XX/XX/XXXX XXXX  XXXX  {$2700.00} opened XX/XX/XXXX XXXX XXXX XXXX {$3400.00} opened XX/XX/XXXX XXXX XXXX XXXX {$19000.00} opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX 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

Fifth Third Bank informed me that an error from one of their employees results in my checking account to go negative more than - {$45000.00} due to a withdrawal mistakenly taken from my account vs someone elsesagain the companys error But when I call 2x to talk to a manager and also go to a local branch I am told they are putting me in your system to get a call back in 1 to 3 business days!!!??? 
and then after review will be mailed a check to correct my account?? 

after 20 years of being a customer this was not immediately fixedgiven it was fifth third employee error and my funds that they took away from me not fully reimbursed Meanwhile my payments for my bills are being returned and the fees are piling up What is there to review?
Product: Credit reporting or other personal consumer reports

TransUnion has not answered my very simple question and in the past they have claimed to mail me responses which were either never received or addressed. Please answer this XXXX simple question on the CFPB 's messaging system instead of claiming you will mail me an answer : Why did you sell my information to XXXX that was used to set up a false account that is now well in arrears? Especially due to the fact I had/have both credit freezes and fraud alerts in place.
Product: Credit reporting or other personal consumer reports

Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ).

They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances s getting { house, car, etc }. Im filing a complaint hoping something will get done immediately
Product: Credit card

I cant log into my chase bank account because the banks says suspicious activity. I want to make a payment but I cant login. When I call they say I dont have any active account. I tried to make payment by phone but it says the account is closed. On XX/XX/year> I had made a Payment of XXXX. I dont even know if I have any outstanding balance with the chase bank. I dont want chase to report me to collection because I want to make a payment and close my account. If chase says how much I owe I will pay the full amount : thank you very much.please contact me at XXXX XXXXthank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records
of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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: Prepaid card

On XX/XX/XXXX, I discovered that my prepaid debit card from XXXX XXXX was missing. I initially suspected it might be in my car, but unfortunately, I had to travel out of the country for two months shortly after losing it. It wasnt until I returned that I noticed there were a total of XXXX unauthorized transactions that had been electronically transferred from my XXXX XXXX card to an anonymous XXXX XXXX XXXX The total amount of these fraudulent transactions came to an astonishing {$16000.00}. 

Upon my return to the United States, I immediately contacted XXXX XXXX to report the unauthorized transactions and file a dispute. They informed me that I needed to fill out a specific dispute form, which they promised to send to me by mail. I received the first of the two required forms, which only addressed a portion of the fraudulent charges, allowing for a claim of up to {$1000.00}. I promptly completed and submitted this form via email to XXXX. 

In response to my submission, XXXX XXXX  issued a provisional credit for the {$1000.00}. However, after several days of waiting for the second formneeded to dispute the remaining $ XXXX emailed them again with the completed second form as soon as it arrived. Unfortunately, despite my efforts, I received no acknowledgment or response to my second submission. 

On XX/XX/XXXX, I followed up with a call to XXXX XXXX only to be informed that my claim had been closed due to their failure to receive my second form. This lack of communication and the mishandling of my claim feels incredibly unethical and unprofessional, especially given the substantial amount of money involved. 

I am alarmed by my experience and suspect that this might not be an isolated incident, as I have heard reports from other users who have faced similar challenges with their claims. I opted to use XXXX XXXX  only because I needed to access funds from a pre-litigation settlement ; otherwise, I would never have chosen to bank with them. I believe an investigation into this company is warranted, as their practices seem to fail in protecting the interests of their customers.
Product: Student loan

Nelnet is one of my student loan lenders. They refuse to send my correspondence via paper mail even though I have opted out of e-mail, so as to not allow the borrower to have a paper trail. In addition, I have been locked out of my account several times. I have also called them several times and have received pushback regarding transparency of my records. I applied for the income driven repayment program ( IDR ), which I qualify for. When I applied in XXXX of XXXX, they told me that " it was too early. '' When I tried to apply for it just recently in XX/XX/XXXX, they told me " that I had to submit a letter stating that I had income, '' which was not one of the terms of the agreement. When I informed them that I did not have taxable income, the customer service representative went on a tirade against me.
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX  for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not.