23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got prequalified through them and did a lot of work ( sending in paperwork, etc. ) that I went with them for my mortgage process. The process started out good, but quickly after became a mess. XXXX XXXX was the loan agent and was not good to do business with. 
He wouldnt convey information clearly and misrepresent things constantly. He would assure things were on track and everything would get done In a timely manner and then come back shortly after and ask for additional documents that were not needed. Primary residential mortgage also doesnt tell there clients they have to pay for there own appraisal fee until the end of the process which is very unprofessional on there end at the cost of {$590.00} this was also another issue I had with Mr. XXXX XXXX. My closing date was changed 3 times due to his negligence because he wouldnt do his part properly in the process. Due to him and his company, I lost the home I was under contract on because he continued to push my closing back with and excuse every time. Him and his company should be flagged for this practice because several others have had similar issues with this company. Ive reported them to the federal trade commission act for deceptive and misleading actions.
Product: Checking or savings account

I woke up to two emails from Chime this evening : One that said a new login was detected on my account, and another that confirmed the opening of a checking account, the card would be on the way soon. I did NOT authorize any of this, so obviously I was alarmed. 

I do have a Chime account that I did make years ago, and last year I updated the information, most notably my phone number. I had to talk to customer service for this, because it's a XXXX number ( moved ) and I wasn't getting any codes. They fixed this over the phone, but tonight I couldn't log in and when I went to use my same number for a password reset - it's a completely different number I don't recognize. 

This meant I had to call them, so I did and explained my situation. The woman on the other end was nice, but didn't seem to totally understand my situation completely no matter how I worded it. She got the phone number issue and said she would email another department to get it changed, but that isn't urgent enough considering the situation- and they would not answer my questions about who logged in, how they were able to get in and change my number with no notification to me, etc. After this call, I followed up with an email to XXXX explaining it, but no response there yet either. 

Such a slow response to something like this is NOT acceptable. At this point I want any account I have with Chime to be completely closed, and for any attempts made to open an account using my email to be axed. Nothing has shown up on my credit alerts or reports, but this is still alarming either way. Shady company that needs to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, XXXX and Trans Union credit report.
Product: Mortgage

I have been trying to get a case number transferred for a refinance mortgage. Upon multiple request 's, they will not release it to us and refuse to use our authorization form signed by the borrower. I have attached the authorization form.
Product: Debt collection

Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of XXXX XXXX ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a Chase credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the P0 box indicated on their website. I see the letter was not picked up and is being returned now. I sent 3 more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a certified-only to their street address and one certified-only to the PO box address. I informed them in the letter that all my debts were discharged by Title XXXX bankruptcy XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
Product: Debt collection

I would like to file a complaint against Wilber & Associates.

I was in a car accident on XX/XX/year>, where an XXXX XXXX Police Officer determined it to be a No-Fault accident and I worked with my insurance company to cover the cost of repairing my car. Approximately XXXX weeks later on XX/XX/year>, I was first contacted by Wilber & Associates informing me that they were attempting to collect a debt I owed to XXXX XXXX, the insurance company of the individual who I had the accident with. They alleged at the time of the accident, which they provided as XX/XX/year>, my auto insurance had lapsed and so they were expecting me to pay them approximately {$5400.00} without providing any proof of this debt.

I have my home and automobile insurance bundled in an active account, so their accusation was false. I verified with the XXXX XXXX police that this accident was indeed reported as a No-Fault accident and the other individual 's insurance company would have no reason to contact me or my insurance company. I was also in contact with my insurance adjuster, who did not receive any requests or was even contacted by XXXX XXXX. The adjuster also remarked that a XXXX turnaround for a reimbursement request was not standard. 

The CFPB outlines a debt collector scam as falsely claiming that they are an attorney which the Wilber & Associates representative did by claiming that they are a " law group ''. They never offered any information as to how to dispute the alleged debt and they contacted me every XXXX to XXXX days and even left messages for me at a family member 's home, where I do not reside. They also contacted me after they signed a return receipt to my letter requesting that they stop contacting me and to send me the evidence they had about this alleged debt via USPS. It has been almost XXXX months since the last contact and I never received any evidence of any debt, which strengthens my belief that this was a scam.

Researching Wilber & Associates, you can find many reports filed against them about predatory scamming for alleged debts incurred for a variety of reasons as the result of a car accident. Due to some implications on online reports, I believe that Wilber & Associates purchases accident report information from XXXX XXXX. In its U.S. Consumer Privacy Notice, XXXX XXXX outlines that personal information is sold to debt collectors but does not say that the information is allowed to be used fraudulently. I recently requested and received my XXXX XXXX Consumer Disclosure Report, and it provides the information of my accident and the cost of the repairs which was similar to their allegation of what I owed, but the report was also clear that it was a No-Fault accident.

Wilber & Associates seem to rely on intimidation and hope that people will not do their due diligence and know their rights under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Synchrony Bank toward me as a consumer have been treating me and affecting my credit wrongfully. I received a letter dated XXXX ( attached ) I opened this card through Lowes back in XX/XX/XXXX. I have not used the card since. 
Synchrony has treated me very unfairly and rude. They lowered by credit line " twice '' to what I owe on it and for no reason and negatively affecting my credit score. My payments have been made every month and I am on automatic payments now. Now again this month, XX/XX/XXXX, they lowered it again to what I owe on it for no reason. The letter states these reasons which are highly mannered to attack consumer for no good reason : *High ratio of balance to credit limit over the last 3 months is too high on this account. *The ratio of last payment to amount due is too low. *The number of months since the account was opened is too low. *The average payment on this account over the last 6 months is too low. Again, I have not used this card since almost a year ago and they have been constantly monitoring my credit and mishandling my credit bureau score. They have lied on the letter about my score which is XXXX points lower than my actual score. I spoke to a XXXX who would not give me his last name or any other ID today and complained to him about this letter I received and the reasons they gave are completely wrong and inaccurate. He stated they do quarterly reviews of my credit report. I told him the reasons on this letter are wrong. Every month my minimum payments are made and these payments have been put on Autopay also. So these reasons are completely inaccurate and I advised they are affecting my score negatively every time they pull down the credit line which I was originally given XXXX and they decreased it to what I owe TWICE for NO GOOD REASON!!! I have not used the card since XX/XX/XXXX LAST YEAR and I have been making every monthly payment since!!!!! This bank is screwed up. Also, they are now adding a monthly charge of XXXX a month to your balance owed for paper statements if you don't opt out of paper statements.
Product: Credit card or prepaid card

Hello, I've recently made two payments to XXXX. For whatever reason, the payments were returned same day. My banking statement does not even reflect XXXX drafting the payments. I did receive the first email when I scheduled my payment. I received another email stating the payment was applied on my account. Now I'm showing ( 2 )  returned payments along with late fees and finance charges. XXXX has marked my account as late 30 days on all credit reports and closed my account. I have been with them for over 8 years with no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 as it is hindering me.
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, 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 XXXX 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

ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO CHRYSLER CAPITAL WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}
Product: Credit reporting or other personal consumer reports

I found addresses and accounts on my Experian Credit Report that does NOT belong to me. I did not recognize the accounts or companies they were opened with. I disputed them with Experian, several accounts were removed but others have not. Experian says that the information was reviewed and correct, but when I reached out to each of the companies of those accounts they were not able to find any accounts in my name, social security number, or phone number. They were unable to assist as I also did not have any account information for them to look up. Experian has not provided me any account information regarding these accounts either. None of these accounts are listed on my credit reports from the other Credit reporting companies.
Product: Money transfer, virtual currency, or money service

Last summer, XXXX XXXX XXXX, I went to the Bank Of America ( XXXX XXXX, XXXX CA ) and sent ( intern transfer ) XXXX U.S Dollars, that was still left in my account, to my Account in my country ( XXXX, XXXX XXXX XXXX ) before closing the U.S account and go back to my country. However it never got to me. So i have tried several international calls to tell them about the situation from XXXX and they ( Bank of America ) told me that my money was still there ( they did n't send it ) so they wiki send them again, but again it never came. 

So i asked the XXXX agency to take a look about this situation and they have found out that they have mistaken the RECIPIENT 's name on the form, so that is why the money can not go through the international transfer. Apparantly, according to the XXXX XXXX XXXX, the money is still there in the money 'pool ' of Bank of America , which every Bank has to keep the unknown money. 

I have tried to contact Bank of america afterwards as week but they keep on asking me my account number but i do n't have them because i have closed it before leaving the country. 

Please help, Best, XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 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

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report. 
15 USC 1681a - accuracy and fairness of credit reporting. 
15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries. Duplication XXXX  XXXX XXXX Dates XX/XX/2019 XX/XX/2019 XX/XX/2019 2019
Product: Money transfer, virtual currency, or money service

Paid XXXX dollars for each check cashed illegally to be researched. 

There was a total of 4. 

They were XXXX each but since lost because money gram refused to cash them, the replacement sent were XXXX. Then were stolen and cashed at XXXX XXXX. 

Totally not my fault. If they would have just cashed them in the beginning, we wouldn't be in this mess. 

They owe me my full amount. Including the fees.
Product: Student loan

I started school in 2007. I never took the XXXX exam like i was promised. But I graduated by XXXX in 2007. I was immediately told we can defer after graduating so I can find work in my field. The school did n't help me after that. I was on my own. I was kicked out of my home. Im still in deferment. I got a house to rent and was kicked out after my year. All my kids things were taken. I had to move in with friends again trying to save money. I got XXXX for the XXXX time. I put money down for a place and was scammed out of that money. Again im moving with friends with XXXX kids. I find out my son has XXXX and he needs special care. My oldest has been in and out of doctors trying to see whats wrong with her. Im a single mother of XXXX. I can not afford to pay my loans and pay for my apartment and bills. My kids come first. I miss a lot of days of work to take them to there appointments or my sons therapy appointments. He so far has XXXX therapists. Im XXXX and i need help. I wanted to buy a home so my sons therapists can come when i get out of work so they have a better place to see him instead of in school or a place they can grow but these student loans keep dragging me down. They have dragged my credit score to the dirt. I have never paid them a dime. I am always constantly asking for help but all i get are you have to apply for a deferment. I need help.
Product: Mortgage

As of XX/XX/2023 I qualified to have PMI removed from my mortgage because I passed the 80 % threshold as defined in my mortgage note. I called Webster on XX/XX/2023 once the statement in online banking confirmed the balance. I was told that a form will be auto-generated and sent to my home to write in my request. I asked on this phone call if I could get the form electronically and was told no. I have to wait for the mailed form. 

As of XX/XX/2023, I have still not received the form in the mail from Webster Bank to request the removal of PMI. I called in to customer service and was on various stages of hold for XXXX minutes before being told no one from loan servicing was available to help me and they'd call me back. 

At this stage I am concerned I will be charged PMI during my XX/XX/2023 cycle. Based on the slow pace of processing my request to date. If I am charged PMI in the XX/XX/2023 cycle I believe that Webster then would have committed a UDAAP violation under the Unfair definition because this injury could not have been avoided by the customer. Webster had one month to process the removal of PMI and has thus far not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting

have repeatedly requested for documentation from  XXXX   XXXX  to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Transunion. Transunion informed me that their investigation consists on them taking the word of  XXXX  that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the recovery company at their word.  XXXX   XXXX  is subject to a  True Consent order im posed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.
Product: Debt collection

I am writing to acknowledge the debt validation you sent to me on XX/XX/XXXX. While I appreciate your efforts to provide me with information regarding the alleged debt, I have some concerns about the accuracy and completeness of the information provided. 
I would like to draw your attention to the fact that the notice of collection that was sent on XXXX stated a camera fine of {$84.00}, whereas the debt validation I received does not include the original document, nor the correct amount. Instead, the document shows a delinquent parking violation, which differs from the information initially sent. I kindly request that you provide me with accurate information regarding the alleged debt as soon as possible. 
Furthermore, I have noticed that the debt validation does not state my name, but rather states " Service rendered. '' This language is ambiguous and misleading, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I request that you correct this error immediately and provide me with a new debt validation that includes my name. 
Additionally, I dispute the alleged debt in its entirety and do not consent to any further communication from your company regarding this matter. Therefore, I request that you cease all contact with me, as I consider any further communication to be a violation of my rights under the FDCPA. Please confirm in writing that you will cease all communication with me immediately. 
Thank you for your attention to this matter. 
Sincerely, XXXX
Product: Checking or savings account

On XX/XX/2011 Wells Fargo allowed XXXX income tax to take money out of my Florida checking account in the amount of {$1000.00} then charge me {$100.00} for the transaction. That was my Social Security income. A few months later Wells Fargo notified me that XXXX tried to take another {$400.00} but refused at that time. I would like to know why they felt it was right the first time but not the second time. Also, Wells Fargo has not explained the reason why they felt it was necessary or the right thing to do legally. I would appreciate your getting an answer from them.