23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Multiple mistakes within escrow, now 2nd time to have to contribute to escrow in 4 years. The first time they refunded an overage, oops they refunded too much so they increased my mortgage payment. I paid that off and then the following year insurance issues mistakes occurred. I started to pay XXXX extra a month on my mortgage and they once again told me that my escrow would be short and I had to pay that into escrow. They canceled my homeowners insurance and paid my flood instead. They did this twice and then sent flood check to wrong office so more time past on insurance policy so I was stuck with getting less refund. My homeowners insurance went up XXXX bucks last year, about XXXX this year. Instead of letting me pay that total ... they do a projection and the projection shows in XXXX 2016 I will be negative. It doesnt matter that I have enough escrow now and would pay that before XXXX 2016 instead they want XXXX payments of escrow by XXXX XXXX, a bit over 30 days notice and if I dont I must pay XXXX more on my mortgage for a year. NO other payment plan accepted. My taxes didnt go up, they went down, only my insurance went up a bit and they wont let me pay that approx XXXX but want XXXX payments of escrow when Im not even in the negative yet!!! This bank has been consistently toying with my escrow. Just after this problem they send me in the mail a personal letter for a personal special to take out a loan. 
I have a direct line to the supervisor, Son ( his name ) and have talked with him on several occasions and he is very nice and polite and explained all this to me ... there is nothing I can do as this is their rules. 
I think they manipulate your finances for profit and that just isnt fair. I have my checking and savings with this bank, they see my finances and are constantly hounding me for business. 
I think this bank is walking a fine line of aggressive business versus appearance of criminal financial manipulation. 
How they can punish me with my escrow still in good standing, based on a projection that has not occurred yet is not right any way you look at it. I should have the opportunity to put just the amount in to avoid that projection and if not then they should add it to the mortgage but not at this point demand XXXX payments of escrow on a situation that has not occurred yet. 
Furthermore, the mistakes that has been made in my escrow in regards to refunding too much, then docking me for it, canceling my insurance and paying another kind, sending insurance payments to the wrong insurance office, all of which I as the customer discovered NOT Wells Fargo, is not acceptable and consideration should be given to what that has caused me in stress, trust and worry. 
I have checking, savings, car loan and mortgage with Wells Fargo and this is how they treat me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and XXXX  now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.
Product: Money transfer, virtual currency, or money service

Deposited money from my debit card into cash app account and XXXX days later it was gone and my balance was XXXX they said there was a delivery fee i had to pay and this fee was never mentioned prior plus the fee was larger than the initial deposit o was told to make subsequent contacts yeilded nothing from cash app
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Immediate Removal of Erroneous Collection Account by ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a collection account listed by ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, which I believe is inaccurate and unfairly damaging. This collection entry violates federal protections and reflects an outstanding balance that should not exist due to a pending lawsuit, in which I have received a Default Judgment in my favor from the court.

Legal Background and Judgement Details The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) protects consumers from inaccuracies and unfairly damaging information on their credit reports. Under the FCRA, credit reporting agencies are legally required to maintain only complete and accurate information on consumers credit reports. In my case, the collection by ( XXXX XXXX XXXX ) XXXX at XXXX XXXX, XXXX was improperly added despite an ongoing lawsuit where the court has granted a Default Judgment in my favor due to XXXXXXXX XXXX failure to respond. This ruling signifies their negligence and validates my claim, making this collection inaccurate and misleading. 

Additional Violations by XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX failed to address critical concerns, including health and safety issues within my apartment, which included a documented XXXX XXXX. The courts Default Judgment against them underscores their negligence, which is the root cause of my dispute with the debt they claim I owe.

Impact on My Financial Stability and Rights as a Consumer The presence of this collection on my credit report has caused me substantial hardship, affecting my ability to secure a mortgage and purchase a home for my family. Under the FCRA, it is imperative that only correct and verifiable information appears on my credit report, especially given the substantial consequences of inaccurate data on my financial standing and quality of life.

Request for Immediate Action I respectfully request that the credit bureaus take immediate action to remove this erroneous and misleading collection entry from my credit report. Failure to do so not only violates FCRA requirements but also places unnecessary hardship on my family. By allowing this collection to remain on my report, I am being unjustly penalized based on inaccuracies that have been recognized in court.

Please investigate this matter promptly. Attached is a copy of the Default Judgment order from the XXXX XXXX XXXX XXXX to facilitate your review. I request written confirmation from you that this inaccurate entry has been permanently removed from my credit file.

Thank you for your prompt attention to this matter. I look forward to your immediate response to correct this injustice.
Product: Debt collection

I was served notice of an alleged debt via postal communication on XX/XX/2023. On that date, I engaged in a conversation with a representative by the name of XXXX, who represented the Collection Agency " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. 

In response to my validation request, XXXX affirmed his commitment to investigating the dispute and assured me of a subsequent follow-up. Additionally, XXXX inquired about my occupation and assured me that no adverse annotations would be recorded on my credit history. After our telephone conversation, I promptly transmitted a follow-up email, appended with a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that the presence of erroneous information reported to the credit bureaus would constitute an act of fraud, for which I would be prepared to take legal action. Furthermore, I stipulated that all future correspondence should be conducted solely through electronic mail. 

Despite adhering to this course of action, I later received an unfavorable collection remark. With no responsive communication from XXXX or the collection agency, I undertook the step of lodging a dispute with the three major credit bureaus to expunge this notation from my credit reports. Regrettably, the collection agency 's response to the credit bureaus attested to the validity of the debt and failed to provide any substantiating documentation. 

In the aftermath, I have been subjected to unwarranted and harassing telephone communications from Colombia Debt Recovery, doing business as Genesis. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 or other personal consumer reports

XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized Equifax data breach. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax To facilitate your investigation and processing of my request, I am providing the following documents : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the Federal Trade Commissions Identity Theft Report 4. Notarized verification of my identity and address.

As required by the Fair Credit Reporting Act, you are obligated to respond to this request within four business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected.

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect my rights under federal law.
Product: Student loan

I received a call from XXXX XXXX ( their address is XXXX XXXX XXXX XXXX XXXXXXXX and their phone number is XXXX ) on XX/XX/XXXX. XXXX XXXX is a collection agency that claims that Navient has given them my account for collections services due to non payment. I contacted Navient at the number I have been contacting them for the last 7 years ( XXXX is Navient 's phone number ). That department of Navient informed me that my account was not transferred and that they received my most recent July payment and that I have future payments scheduled through XX/XX/XXXX. 

I called XXXX XXXX back and informed them that Navient states my account was never transferred to them. The representative from XXXX XXXX gives me another Navient Phone number and tells me to call that new Navient Number ( XXXX ) When I contacted the new Navient number ( XXXX ), this Navient Representative tells me that loans have been transferred to XXXX XXXX but can not explain why the other Navient department could not explain why the other department did not see this.
Product: Mortgage

We initiated the mortgage refinancing process with 5/3 on XX/XX/XXXX. We sent the check for the loan application during this time. The communication with our loan officer and the exchange of documentation was consistent until approximately XX/XX/XXXX. 

As of XX/XX/XXXX, I had sent 3 emails to our loan officer requesting updates on our refinancing. We were finally told our mortgage application was being evaluated in detail and awaiting the initial underwriting review. On XX/XX/XXXX, we received an email that the loan was received from underwriting and with a new processor. 5/3 processing delays and internal policies required our credit report to be run AGAIN. It is common knowledge that each time a credit report is run, it then alerts others who are reviewing credit ( and can be deemed negative ). 

We received closing disclosure documents on XX/XX/XXXX. Per the email 's directions, we requested follow-up information from our loan officer ( the amount we need to bring to closing, the name that should be entered as the payee for the cashiers check, the closing date, the process for closing ). The loan officer replied that he could not " map that out '' at this point, and the title company and the banks closing department needed to review these details once the loan received full approval and finalize final figures. 

I sent follow-up emails and placed phone calls on XX/XX/XXXX, XXXX, XXXX, and XXXX. I can not get adequate support to close this loan. I paid the fee over 7 months ago, the bank has run my credit report multiple times, and each month this loan remains open is an additional month that we are paying a higher mortgage rate than the rate 5/3 agreed to guarantee us as a result of this refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX LLC AND XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY NAME, SUCH AS HARD INQUIRIES ON CREDIT REPORTS AND XXXX XXXX WILL NOT OR HAS NOT SEALED MY XXXX XXXX REPORT AS I HAVE ASKED THEM TO DO FOR 5 YEARS SO FAR. 
EQUIFAX LLC. HAS NOT REMOVED FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT DUE TO ID THEFT. 
AS STATED IN THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft. not later than 4 business days after the date of receiot. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting numerous discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, a debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times. 


The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Product: Checking or savings account

I received an check from XXXX insurance company, I deposited it into my account it was approved and ta few days later made available. The same day it was made available I had a problem with an insurance company charging my account which was unauthorized. I additionally received my paycheck, I tried to XXXX  my mom money for rent and it placed a hold. Okay so I waited for the morning and tried calling in and I have to speak to a fraud representative. This representative XXXX is very hard to get into touch with, the entire department is. I was told I would receive a call back Friday before the end of the business day after sending in proof of the check stubs and check from the insurance company and never received a response. I call in today and was told by a banking employee that they can only hold my account till Thursday XX/XX/2023. Upon finally speaking to an fraud agent I'm being told it can be held for 14-20 days. This is completely, unacceptable. I am a working adult who has bills and responsibilities and this type of service is unacceptable. I asked them if theirs an issue with the check to just remove it from the account and i will walk into the local bank where the check was issued, they don't wan na do that. They say it's about authenticating the check and I have worked at a bank, I know you can call them and ask. I just want access back to my account and the hold to be lifted.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I received a hard inquiry on my XXXX credit report that I did not authorize. From a lender called STEPSTONE CREDIT their phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried contacting them multiple times to report the issue but never received a response.
Product: Debt collection

On XX/XX/XXXX, Jefferson Capital Systems reported a collection account on my credit report for {$3200.00} related to a XXXX bill that I do not owe. I have been an XXXX customer for over 7 years for both internet and cell phone services and have never had a XXXX account. 

I previously disputed this alleged XXXX debt and filed a complaint with the CFPB, which resulted in XXXX removing the collection account from my credit report after confirming the debt was invalid. 

Despite this resolution, Jefferson Capital Systems has now reported the same invalid debt as a new collection without providing any prior notice, violating the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to notify consumers before reporting negative information to credit bureaus. 

The new collection account indicates it will remain on my credit report until XX/XX/XXXX, causing harm to my credit profile for a debt I do not owe and have already had successfully removed. 

I am requesting the immediate removal of this inaccurate collection from my credit report and that Jefferson Capital Systems cease any further reporting of this invalid debt.
Product: Checking or savings account

I had no idea this was happening until I received a text on XXXX XXXX XXXX XXXX XXXX regarding suspicious activity. This means that since XXXX XXXX until XXXX XXXX the scammer was just slowly chipping into my checking account. I turned my card off, called the Wells Fargo fraud department and made a claim. The following days XXXX XXXX some charges went through. I disputed those and the claim is open as of now, though the charges were kicked back to my account as there was a stop payment in place for those charges. This larger claim, however, was closed. I just looked at my account and I was only refunded XXXX even though the charges total XXXX. It is beyond me why it took so long for them to send me the alert regarding fraudulent charges. Furthermore, it appears as though their investigation found that the charges were legitimate. I had called XXXX the day after I called Wells Fargo and the gentleman I spoke to said that, though he could not give me many details, the XXXX XXXX  associated with the charges was not mine nor was it registered in the same geographical location as I was. He also put in a refund request but could only go back to about mid- XXXX. Every single one of the charges is for "PURCHASE AUTHORIZED ON *date* XXXX XXXX XXXX (some long #s, all different) XXXX XXXX". I googled it and apparently it is a common scammer.

The following are all of the transactions: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX