23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency  Havard Collection,   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Il  XXXX , called my house number asking for my father-in-law 3 times today. They called at  XXXX ,  XXXX , and  XXXX  each time it was the same gentleman with an extremely heavy  XXXX  accent I asked this person to remove my number since I am not my father-in-law. On the call at  XXXX  this gentleman raised his voice at me in an abusive aggressive manner telling me that if I am not my father-in-law I was to put him on the phone. I am female so I am clearly not him. I am aware that this gentleman called my father-in-law 's cell phone around  XXXX . During that conversation an  XXXX  gentleman demanded payment. My father-in-law told him that his bill from   XXXX   was a charity write off and asked him to send a bill. The gentleman refused demanding payment threatening him saying have you bothered to check your credit lately, he said no, the man said I think you should. This person attempted to call again around  XXXX . My father-in-law was with me describing what had happened earlier when the second attempt at contact within the same day happened. I called the number spoke with a man named  XXXX  who claimed to be the collection manager. After numerous attempts to get  a street  address to mail a letter of dispute he finally provided it.  XXXX  assured me that all calls would stop. I also explained that in   XXXX   he did not have insurance and was contacted by  XXXX   XXXX  about a charity write off of this debt.  XXXX  did provide me with the account reference number of  XXXX . This company has violated the FDCPA by attempting numerous contacts with my father-in-law within the same day and by harassing me with  XXXX  calls to my residence when I am not him. They are continuing to attempt to collect a debt that is not owed or should not be owed. I personally feel that the statement about thinking my father-in-law should check his credit report was a threatening tactic. My father-in-law is elderly, battling  XXXX , and just recently got on social security which has been expressed to this company numerous times today. My father-in-law also has  XXXX   XXXX   XXXX . The added  XXXX  of these abusive tactics is not good for his health.
Product: Credit reporting or other personal consumer reports

The information I received on the itemized bill is different from my XXXX and XXXX reports. The information on one report show the original creditor and the other do not. There is two different reports showing different info. The company is not abiding by FCRA and have not reported accurate information. They have 30 days to remove the debt from my report or face fines according to FCRA law.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA this unauthorized inquiry needs to be removed immediately off of my Transunion credit report. Listed below will be the date and account of the inquiry. Transunion : XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I was charged a late fee on a new card before I had even received the card or an initial bill. I have sent an email as they requested over a month ago and have been ignored. Have tried to call on several occasions and was on hold for over 30 minutes without a representative answering.
Product: Mortgage

I have engaged Wells Fargo in discussion about the wrongful foreclosure process on my real estate security. The following occurred in conjunction with my loan : Account : XXXXReal Estate Residence:XXXX XXXX XXXX XXXX , CA XXXX ) Wells Fargo falsely stated that I should default on my mortgage to obtain a loan modification. Such advice got me behind on my mortgage to which point I could no longer maintain payments without a loan modification. 

2 ) Wells Fargo falsely told me that a short-sale was not possible within the last 6 months leading up to my foreclosure. I found out that this was not true and could have saved my security. 

3 ) Wells Fargo 's customer care and recovery group has bribed and lied to me on many occasions regarding review of my loan. They will not furnish proof of review, recorded conversations, nor led me speak directly with their Vice President despite numerous requests. 

4 ) Wells Fargo has caused extreme grievance, undue XXXX, and sickness as a result of the foreclosure process. It has come to my attention that some of the people I worked with or attempted to contact at Wells Fargo are no longer with the firm making it difficult to gain traction. 

5 ) Wells Fargo has fabricated documents that were never sent to me during the foreclosure process. This in itself is a violation of investor and federal guidelines. 

6 ) Wells Fargo refuses to settle with me in terms of compensation for such a failed investment and wrongful foreclosure practice. I requested a settlement of {$250000.00}. Given my investment into the property, including loan payments during the course of loan amounted to {$360000.00}. 

I have worked for the last XXXX years on this case with the Wells Fargo Customer care and recovery group ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I have requested direct correspondence with XXXX XXXX and XXXX XXXX. Both are Vice Presidents. However, Wells Fargo has failed to comply with my requests. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, FTC Report Number : XXXX Hope your day is well. You are reporting a fraudulent account on my Innovis credit report. I need that account deleted based on FCRA law. I already have filled an FTC Report and sent it to you a month ago. 


Account name : XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Please fix this immediately, this is my 2nd letter and I have trying to buy a home. 

Thanks for your help,
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report that I cant explain. When I checked my report, I found discrepancies that hadnt been there before. I refreshed my browser thinking it might be an error, but the issue persisted. Please carefully review the documents Ive provided to resolve this issue permanently.
Product: Checking or savings account

Ally Bank 's undesirable performance leaves us hanging and without a home. 
We have been in contact several times with customer service and supervisors at Ally Bank other the last XXXX days. We are in need of clarifying a wire transfer and holds that are placed on the transfer. The timing of the transfer was crucial and any delay would cause undue hardship as it is for a closing payment on a real estate purchase. 
We were given different answers on processing times and cutoffs by different people we spoke with. We eventually reached a supervisor, XXXX, who tried to clarify, but the damage had already been done as we were past any possible time to get it processed or verified, and no guarantee of a timeframe it could even be done. She would not allow us any contact with the appropriate department to clarify and verify the issue with firm confirmation. Instead she denied any request to escalate this further so we could move the process along quicker. Though XXXX attempted to correct the information, we were mislead on processing of security holds, fraud alerts, and the overall processing of wires but other customer service representatives, and it may be beyond the point of repair. Additionally, I am not confident in the information she provided since we already heard many different answers. This apparent incompetency at Ally Bank should be a stark warning for any customer with funds at Ally. We were not able to get a timely resolution to our issue and customer service was little help, at times making the situation worse with even further misleading information or incomplete information. We had to find out about these possible issues from our title/escrow company instead of hearing about the possible delays with wire transfers. Given the multiple calls I had with Ally and the clarification I was asking for, this information should have been made clear. 
We contacted Ally initially to help expedite the process, but the misinformation we were given caused further delays. We may lose the house we are trying to purchase, as we are now past the funding deadline, and would then be left without a place to live. How can Ally, who has control and custody over our money, give this level of misinformation with such severe consequences for us, yet no accountability on their part. This is negligent behavior.
Product: Checking or savings account

Reported unauthorized transactions on my account and was told credit should be in account XXXX days ago by many different agents still no provisional credit given I am behind on rent and light bill and also in danger of eviction with XXXX children. Was denied escalation for ( hardship ) provisional after explaining I'm behind on bills
Product: Checking or savings account

It seems that of the issues that were reported by other people, all of them besides opening an account pertain to my problem. I had them with Bank Of America for almost 22 years before noticing or realizing something shady was going on the end of XX/XX/2023 my XXXX seem to be hacked as it said, I had purchased multiple new XXXX, and, this led to funds transferring from Bank of America to XXXX and vice versa. I trusted think of America as I would go in there physically every morning, but once I realized that account was not shut down as it was supposed to be XX/XX/XXXX, and it still isnt, and this had already caused me to be fired from my platform that I worked on. I started to go through the charges and reversals, and reversals over and over. I was going through these because if everything was being refunded, I dont understand why my account was still super negative and growing. Then I saw a {$610.00} charge from Bank of America, while they were supposed to be investigating and helping me from my hacking. I hadnt noticed it right away so when I did question them, they then said they use that money to pay my business credit card Which didnt happen the very next day they applied {$610.00} to that account, but made no payments or anything to help me and I dont know if they were going to Even use it there. The XXXX I met with each morning told me he suggested I try another bank because he said that would happen again. It also was causing huge problems and still I havent recovered at all from the negative. This caused and still is in negative as my rent for three months XXXX XXXX and XXXX was deposited into this account that I closed XX/XX/XXXX. I dont understand why they would continue to allow that to go in, his account kept going more negative and eating up my rent money and causing me that late fees as well. Who knows how many times in 22 years theyve taken money that I did never notice because I totally trust in my bank matter how many times I look at just that hacking bank statements They keep reversing the charges and then Im reversing them but Im only charged never credited. Sometimes I can count three times for the same charges. It really has been so overwhelming and I had no idea this lawsuit was even happening I just thought who am I to question a big company like Bank Of America even though its pretty black and white sea they were taking money and not helping me when I needed them to help me the most. All my accounts are so far negative and ruined my credit because of my credit utilization going through the roof. This just literally has ruined everything. Ive worked so hard for in my life because Im so set back now. Just trying to recover, but XXXX didnt help either. They kept apologizing for my delay thanking me for my patience while they investigated and then they just simply said they were closing my account and closed it with no responses back. Its been madness and I didnt know who to turn to in this matter whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Student loan

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX Account Number : XXXX 90 days late in XXXX XXXX, 120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX, 90 days late in XXXX XXXX 120 days XXXX XXXX 150 days in XXXX XXXX 180 days in XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX  Account Number : XXXX days late in XXXX XXXX  120 days XX/XX/XXXX, XXXX XXXX 150 days late in XXXX XXXX 90 days late in XXXX XXXX  120 days XXXX XXXX  150 days in XXXX XXXX  180 days in XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 XXXX XXXX have purchased 3 vanilla gift cards with my credit XXXX  XXXX at XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. The cards were issued by Incomm financial services with {$450.00} denomination each. On XX/XX/2017 I discovered that 2 of the gift cards have XXXX balance since they were redeemed ( swiped per Incomm CSR ) on XX/XX/2017 at XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  XXXX for full amount ( {$450.00} and {$430.00} respectively ). I immediately contacted Incomm Customer Service to report the issue. I have filed a dispute with Incomm for which I got following response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above. <P/>After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim. <P/>Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed. <P/><P/>They cards were ( and still are ) in my possession and no one ever had a possession of these cards other than me.
Product: Bank account or service

I went into the Bank of America branch, located in the XXXX zip code off of XXXX in XXXX, Ca. I was informed that the bank was unable to cash a check that is drawn off of their system because they simply could not swipe my card. I let her know that my card was bent and it would not read. I was then turned away by the teller and the manager saying that they are unable to cash my check for no reason other than it would not scan.
Product: Debt collection

I received an alert from XXXX regarding a collection opened on my credit report. 

A collection showed up on my XXXX credit report after me having spoken to a representative of Capio Partners # XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX , Tx . XXXX about two weeks ago. 

I explained to them that the account which they were attempting to collect for was paid in full to XXXX XXXX for services provided and that i had my receipts. 

I received a statement from XXXX XXXX ( statement date : XX/XX/XXXX ), amount due : XXXX. I paid the bill in full on XX/XX/XXXX in the amount of XXXX. After receiving another billing statement from XXXX for the same amount, I contacted XXXX who confirmed they had missed appropriated my payment and that they would correct the issue. This was sometime in late XX/XX/XXXX I believe. 

On XX/XX/XXXX, I opened a dispute with XXXX ; before they had time to receive my documentation, XXXX contacted Capio who told them the information they had provided was accurate. I then in turn received a letter from XXXX dated XX/XX/XXXX, which i received three days ago stating they had investigated and that using the information provided by Capio this negative report would remain on my credit report until XX/XX/XXXX. ( I have worked very hard to clean up and maintain good credit over the years and am very distraught at the damage I saw done. My score dropped 40 plus points overnight. ) XXXX is dragging their feet reopening my investigation, I can not upload my documentation on line because for some reason, after going through their online uploading process, I received a pop message at the end stationg that my request had not been process because the file I was disputing was not in my records even though when i telephoned and spoke with four different people two, they could clearly see the negative account still posted.

I need help getting this matter cleaned up by both Capio and XXXX  please. 

Thank you, XXXX XXXX
Product: Checking or savings account

On Friday, XX/XX/XXXX at XXXX am, Chase bank froze and closed my account without notice. No explanation was given and the customer service representative refused to comment on the reason. They locked the funds within the account and will not give me access to my money. They will only send a check via mail in 10-15 business days. I believe this happened because I bought XXXX on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the Equifax Data breach in 2017. I have already received calls from various potential lenders trying to follow up on my recent credit application, which was n't submitted by me.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I strongly suspect they are fraudulent. I request a comprehensive investigation and immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 you receiving this complaint. The account is - XXXX XXXX XXXX opened on XX/XX/year> Amount : XXXX I've reached out to this company and have not received any type of feedback.
Product: Credit reporting or other personal consumer reports

Yesterday, I received the emails from this Experian more than 10 of them. These issues needed to be clarified and explained. 

1. XXXX ( A ) had the button which said " Fraud Alert '' at the personal statement. Since I did not see any change on the statement regarding the questionable part " military, '' I clicked it. Therefore, the second email added 7 years extension alert. I was satisfied since I had sent the request of extension already to this Experian with the different address, where the emails indicated to send the necessary documents. However, on the third report, there was a button " Fraud Alert '' again, and the statement returned to the former statement. I pushed again this button ; however, the content of statement did not change at all. I require to explain all these issues. Why and who wrote the statement containing the word " military '' on XX/XX/XXXX of XXXX What is the button " Fraud Alert ''? And why the content of statement changes without consent of me, XXXX XXXX? 

2. XXXX ( B ), which appeared to my network after A, which I contacted first. This one stated my XXXX XXXX XXXXXXXX bank credit card, which I still use, was closed in XXXX of this year and created another section for a card with same number. However, the latter was opened XXXX, even though the original was opened XXXX. And kindly, B listed my payment history. This means not only this XXXX XXXX XXXX card, but all cards payment history, which I have not seen other credit report issued by other two, including office A. Also, this section has following addresses of offices, which I believe Credit Card offices, which dealt with issues. 
XXXX XXXX XXXXXXXX ( all credit cards ) : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX & XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX SD XXXX XXXX : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Would you explain why this office B include these payment lists in the report, which others, including office A, do not include? 

3. Office B included the soft inquires, which the scanned documents tell, after the alert was issued officially. Above all, office B indicated there were many inquires in one day. Since I still receive the credit cards inquires online, office B might have the responsibility. If not, I request the official explanation. 

I attached the scanned documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name XXXX XXXX, I sent your company a dispute letter last month, XXXX XXXX, 2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into.