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

I, went directly to the Wells Fargo facility in XXXX Ca, XXXX XXXX XXXX back in XX/XX/XXXX to close a safety deposit box. I closed it at the back teller station, while conducting a banking transaction. I opened the safety deposit box in XX/XX/XXXX or XX/XX/XXXX, when I was in the XXXX XXXX. Unknown to me the safety deposit box is still in my name and funds are in automated payment status from my checking account. 
In XX/XX/XXXX, I went back to the aboveforemention site and explain to them, that I do not possess any key nor have I conducted any access to a safety box that I closed in XX/XX/XXXX. I asked the customer service to provide me any documentation to show that I have been accessing the safety box. Ms. XXXX produced the initial contract, which consist of one paper. I asked her again is there any other documentation, she stated no and referred me to the bank manager Ms. XXXX. 
Ms. XXXX informed me at the time that unforuntately they can only go back seven years I asked her in the seven years does the safety deposit box log show any access. I stated to closed the box. Ms. XXXX stated since I have no key, that they would have to call a locksmith. XXXX staff stated they would reverse the payment, which they did of {$45.00} and only reimburse me for seven years. I told them I await the proper protocol of reimbursing my funds from XX/XX/XXXX-XX/XX/XXXX. I'm still waiting for XXXX to call me and yes Wells Fargo continues to not be truthful with customers. Fast forward the safety deposit is not closed, the payment still being deducted from my checking account. How ironic I called XX/XX/XXXX after dealing with my persistent calls they produced a paper that shows no signature and no key returned. Wells Fargo is definitely not trust worthy in the public eye, its evident from past practices in this matter. Closed the safety deposit box and get my name off that box and stop taking my funds from my checking account.
Product: Mortgage

I spoke with XXXX XXXX on XX/XX/XXXX. He told me he would return my phone call on or before XX/XX/XXXX. Why will Shellpoint Mortgage not do as they say? They need to address my concerns.
Product: Debt collection

Springs Oaks Capital purchased a falsified debt from XXXX XXXX regarding a pay day loan. This deb is not owed. And, the debt appears to soly consist of interest charges of 247 %. The statement that was provided to me by Springs Oaks, does not include a full statement including remaining balances post payments ( including interest rates charged ) and Spring Oaks has not responded to documentation that I have provided. Springs Oak added this falsified debt to my credit report in attempt to extort money from me.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiry remained. This issue is deeply frustrating, and I need it resolved immediately. Please review the documents Ive submitted thoroughly so I can finally stop worrying about this.
Product: Mortgage

To whom it XXXX concern : My situation stands on failure to discontinue escrow account from XXXX by name XXXX despite of XXXX written requests. 
My home XXXX is funded by XXXX XXXX, am a a total and permanently disable meaning total exception from Property XXXX due to my XXXX status. 
I pay at this moment over {$3400.00} upfront for XXXX year home insurance and the rest towards a 6 months car insurance cost. This monies are paid from me to the insurance company XXXX at this point. Since I do not work, and have a big medical expenses, is near impossible to sustain escrow payments. This year alone in XX/XX/year> XXXX  obtained {$770.00} some cents for escrow payment, then in couple of months later XX/XX/year> OVEr {$1500.00} also in escrow expenses.I am in a financial crush, and I can not afford escrow payments with XXXX months time period to pay off. The option of spreading every time escrow account over my mortgage monthly payment also alter my monthly expenses. As a consequence I had to avoid going on bankruptcy and applied to debt consolidation. 
LoanDepot sustains my total loan outhandling balance must be at ( 0 % before they remove it. I like you please revise VA XXXX XXXX XXXX XXXX XXXX : Legal Instruments, Liens, Escrows, and Related Issues, investigate and assist me in this matter. Anticipated Thanks for all assistance to b rendered. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX has violated my rights. 

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 reporting or other personal consumer reports

I know that XXXX XXXX XXXX has been sued for not properly investigating and for providing inaccurate information on the credit reports. This is another negligence of duties on the side of XXXX XXXX XXXX for not properly doing the investigation and of reporting accurate information in the credit reports. This time XXXX XXXX XXXX allowed these unauthorized inquiries to continue to report in my credit reports, which should be blocked and removed since I never give any permission that these companies will access my credit reports. I have included my FTC report to support this complaint with the FTC report number XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian to have incorrect information removed from my account. 
They replied that they had settled the dispute but the same information and addresses are still on my report.
Product: Debt collection

At Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) we make it easy to start putting this debt behind you Within approximately 30 days of your final payment successfully posting, we will request that the XXXX major credit reporting agencies delete our tradeline related to your account from your credit bureau report. 
*We are not obligated to renew this offer. Your payment must be received by : XX/XX/year> Portfolio Recovery has not provided any requested documentation to prove ownership or financial history of account Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES , LLC ( " PRA, LLC '' )
Product: Credit reporting or other personal consumer reports

I am a 100 % XXXX XXXX  XXXX. Upon my return home from XXXX, I started getting XXXX  every day. I was in and out of the XXXX XXXX every day however, my card was being paid. I have been a cardholder of the military star credit card since XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX XXXX category XXXX storms ( XXXX and XXXX ) devasted the XXXX and XXXX XXXX. The town I live in XXXX was devastated. The post office was totally demolished ( these are facts that can be proven. We were without any kind of communication until late XXXX. I made contact with the Military Star card loan department and I was told that my card would be deferred until XX/XX/XXXX. In XX/XX/XXXX, I went online to make a payment and my account was suspended for nonpayment. I made several calls and sent several emails trying to get information as to why I could not access my account. On XX/XX/XXXX, I finally spoke to an agent by the name of XXXX XXXX she was very rude ). All she could tell me was that correspondence was sent to me ( we had no post office until XX/XX/XXXX ). I tried to explain to her that although they sent correspondence there was no way I would have received it because we did not have a post office in my town. Our supplies came through a shipping company and although my post office merged with a post office in another town it was still very chaotic. I started payroll deduction ( I worked for the Federal Government ) and I was receiving numerous calls day and night from a collection agency XXXX XXXX XXXX. The collection agency called me also at my place of work. I reported it to them to no avail. They ignored my emails and were very uncooperative. Fast forward to today, I checked my credit report and it shows my card was paid in full and still showing in collection. 
I am asking you to please help me fix this issue. I am a XXXX XXXX XXXX who is trying to buy a home in Texas because I am planning to move from the XXXX XXXX XXXX. I served this country during peace and wartime and now I am being treated like I am bothering them. Thank you for your help.
Product: Debt collection

Kay Jewelers HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$940.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card or prepaid card

Chase 's website makes it very difficult to check the statements and to navigate to see details. 
It is very heavy, and it hangs several times. 

I had, a few times, to give up checking my statement because Chase makes it difficult, or impossible, to use their website. 

Please pay attention : this is NOT an issue with my computer. I have cards with 4 other banks and all of them work absolutely well, and quick. I don't spend more than a few minutes in each access. With Chase, however, it is almost impossible to do what is needed. I work in XXXX  and I assure you this is plain bad programming - I tried to be fancy, your programmers delivered what you asked, but Chase ignored the signs that the website is just too heavy to respond to clicks. 

Also, regarding the design : who thought that opening the transaction on a list on the right side of the screen was a good idea?!
Product: Debt collection

Requested XXXX 's to verify this debt belongs to me with no reply
Product: Debt collection

I am unaware of this charged off debt and didn't have an opportunity to dispute this information. If, in fact you believe that you gave me proper notification, please send me the certified mail receipt with my name and signature on it. If this can not be provided, please remove this account from my credit report immediately pursuant to the laws below : 1. Company has not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ), yet has placed this chargeoff of my consumer credit report.

2. I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4 ( I ).

3. Company is violating my consumer rights by using false, misleading and deceptive means.
Product: Mortgage

I sent a message to my loan servicer, Mr Cooper. In my message I asked them to waive an old late fee on my account that was invalid. I asked them to waive it because I was trying to pay my mortgage ahead 4 months but that late fee was preventing me from doing it. I sent them that message in XXXX. They proceeded to put me on a forbearance plan that I never asked for did nor did I need. I did NOT lose my job during the virus crisis. I was perfectly capable of making my payments and in fact was trying to pay ahead 4 months. When they put me on the forbearance I emailed and called them three times and told them to remove me off of the forbearance plan because I didn't need it and didn't want it. To this day, they still have not removed me. It's incredibly disheartening. 

I want to be removed off of the forbearance plan and I have tried numerous times tell them to remove me but they have yet to do so. I never signed any agreement to be on a forbearance nor did I ever asked to be on the plan. I understand that some people needed it because they lost their jobs but why would you force somebody on a forbearance who has a job and is able to make their payments? And it's unacceptable to disregard the numerous requests to be removed.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted the prior case number to Equifax through CFPB portal and yet again this has been closed out stating I'll receive a response in the mail which never happens. 

I am fully aware that my information was breached in the data breach settlement and have no confidence that Equifax will do anything that they advise. 

I am asking that the invoice for violations be made payable to me using the information on case # XXXX.
Product: Credit card

I have had this credit card for 9 years. I signed up for the XXXX XXXX XXXX XXXX feature. In this 9 year span I have never been successful in redeeming my points. Ive tried online and by phone. This past year I have attempted to contact the reward department by phone unsuccessfully. I have attempted to utilize the chat box feature which directs me to call customer service. When I call customer service I have repeatedly been transferred to XXXX customer service and not the rewards department and again been directed to my cards customer service. I have attempted to use the message center and received a message confirming my points balance and providing customer service number to redeem. I have attempted to utilize the text message option which states my card does not have a rewards feature. When calling today XXXX I spoke to a supervisor who attempted two warm transfers to the reward department. He was able to provide me the names of some of the representatives I spoke with, but not all as he stated not all representatives accessed my account and he had no way to pull the calls. I requested he send me correspondence related to what he could gather and what was being done to address the issues. He stated he could not do this. He attempted to contact the correct department twice. Both times after a few minute hold the line dropped. After the second attempt the supervisor informed me he could not keep trying and it was on me to figure out how to get ahold of that department. He stated there was no way for them to internally communicate. He stated he was not sure why the phone line continued to drop. He also stated he could not send me any correspondence related to our call or attempts to contact that department. I requested to speak to someone else I could file this complaint with. He transferred me to a manager who refused to repeat their name to me. This manager confirmed there was no way for them to internally contact that department. I asked what else as a consumer was I to do in order to utilize the perks of the card advertised and sold to me. He stated he could not assist with this. When I stated I felt this was a scam or form of fraud in order to coerce people to sign up the representative hung up on me. I have attempted to contact and redeem my points in every means possible. I have attempted to escalate the issue and have been met with resistance. The way the phone representatives refuse warm transfers leads me to believe they are aware this department can not be contacted or potentially doesnt exist. The fact that I can not speak to anyone in the company as a means to redeem the points is fishy to me. The XXXX XXXX XXXX app does not provide contact information. The app states I have no points available to be redeemed while all correspondence ( statements, online portal, phone calls etc. ) confirm I have over XXXX points.
Product: Credit reporting or other personal consumer reports

dispute an inaccurately reported collection account on my credit report. Upon reviewing my credit report, I found that there is a collection account reported by Transworld Systems Inc. for the original creditor XXXX XXXXXXXX XXXX ( Account Number : XXXX ) that is inaccurately reporting an open and past due amount. This account is negatively impacting my good name, character, and ability to qualify for new credit, and I believe it is in violation of the Fair Credit Reporting Act. 
Details of the Inaccurately Reported Account : Transworld Systems IncXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Ca XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : The reported open and past due amount is inaccurate as of XX/XX/22 I request that you investigate this matter promptly and delete this inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I believe that the furnisher of this information, Transworld Systems Inc., is an unreliable source. 
Enclosed are copies of relevant documents supporting my dispute, including a statement from XXXX XXXX XXXX confirming that the account has been settled and is not open or past due. 
Thank you for your immediate attention to this matter. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 602 A. 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a XXXX XXXX. I then received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.
Product: Credit reporting 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 XXXX XXXX Account Number : XXXX and 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

I have submitted several disputes for inaccuracies on my report. As of today, Neither Equifax nor the collection agency have provided me with any documentation as requested to validate the debt. I filed a previous complaint about the collection agency who admits to not have responded timely after receiving my dispute. They claimed to have flagged it as disputed but yet I have credit reports that are attached and show otherwise.
Product: Debt collection

I just received notice from the IRS that in 2014 a company I do not owe money to filed XXXX stating that they canceled a debt. I never received a copy of the XXXX to dispute at that time. I never had any kind of debt with this company and do n't understand how they can state a debt was canceled when I never owed them money to begin with. Now IRS is charging me additional taxes, interest, and penalties.
Product: Credit reporting or other personal consumer reports

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