23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Product: Checking or savings account

In early XX/XX/XXXX around XX/XX/2019 I called Wells Fargo and requested my account be closed. I was told by the agent it would be no problem due to the fact that my account balance was not negative & that he would gladly assist me in closing. I was told " Your account has been closed, anything else I can assist you with? '' At that point I was under the assumption that my account was closed. 
On my part, I began switching all my payments to a new account with another bank. 

Wells Fargo, however, continued to make payments and issue fees on the account that was supposed to be closed. 
I was not aware until I was disputing a check and was informed that it was deposited into that Wells Fargo Account. I checked my account on XX/XX/2019 and saw that payments were authorized and I was charged overdraft fees for said payments. In total there are 11 {$35.00} fees. That is an amount I simply can not afford and don't believe I am responsible for. If Wells Fargo had informed me that they could not close my account and I had transactions I would have made sure to have that money in there to avoid those fees. I am out a total of {$380.00} in fees from Wells Fargo. 
I spoke to them several times today XX/XX/2019 and they were unable to give me an answer as to why I was told my account would be closed and was not. 
They said " maybe they didn't close it because you had pending transactions '' but never during the initial request to close my account was I told that it would not be closed. 
I subsequently asked if they could refund the fees because they are not my responsibility. An agent had stated that he closed my account. 
The only option they gave my was to walk into a branch. I live about a XXXX hour drive from the nearest branch and it is not possible for me, especially since they said that does not assure that they will refund the fees. 

The last time I knowingly used my card was on XX/XX/2019 at XXXX XXXX. 
Anything after that was not authorized by me and I was under the assumption that my account was closed. 

Thank you.
Product: Credit reporting or other personal consumer reports

SELF / LEAD - XXXX - {$0.00} SELF / LEAD - XXXX - {$0.00} XXXX XXXX XXXX  - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} SELFINC/LEAD - XXXX - {$150.00} SELFINC/LEAD - XXXX - {$150.00} On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Credit card

WAS TOLD BY CAPITAL ONE THAT IN 2002 THERE WAS A CHARGE OFF IN THE AMOUNT OF {$2100.00} IN MY NAME OWE TO THEM. HOWEVER I WAS NEVER NOTIFIED OF ANY SUCH CHARGE OFFS OR EVEN SEEN THIS ON MY CREDIT REPORTS. I ALSO WAS NOT MADE AWARE OF THIS WHEN I HAVE SINCE OPEN XXXX ACCOUNTS WITH CAPITAL ONE IN MY NAME SOCIAL SECURITY NUMBER AND DOB.
Product: Bank account or service

I signed up for a Bank of America checking account after receiving a targeted promotion for the " Offer300 '' {$300.00} bonus for making {$4000.00} of direct deposits within the first 3 months of account opening. Upon completing the requirements and waiting a month following completion, I did not receive the bonus and called to inquire why not. Bank of America denied my claim, stating that I " was not targeted '' for the offer, and asked me to fax screenshots of the offer. I have screenshots but did not fax, and called again to try and get my bonus resolved. Today again they said my request was declined and are asking me to go into a branch so they can fax the screenshots to the right corporate department. I 've called now about 10 times in the past month and have been given the run-around by customer service reps who 've given me numbers to wrong departments ( Merrill Lynch investing ) and have not filed my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and XXXX of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. 
Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. 
Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. 
Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, CAINE & WEINER COMPANY INC does not have my written instruction to furnish any alleged debt on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( Progressive ). CAINE & WEINER COMPANY INC must adhere to a consumer 's right to privacy. 
With the aforementioned violations and the FDCPA violations listed on the attached markup presentment dated XX/XX/XXXX. 

Account Name : CAINE & WEINER COMPANY INC, Account Number : xxxxxx XXXX has violated my rights multiple times and for years now. 

Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. 

Executed this day XX/XX/XXXX. 
XXXX XXXX XXXX
Product: Mortgage

On/around XXXX 2015, my wife and I contacted Wells Fargo ( currently have a mortgage with ) to apply for a XXXX refinance in order to update our home. Upon filling out the credit requirements and getting a preliminary approval, we were charged {$950.00} for an appraisal fee. During the time of the appraisal ( waiting for it to come back ), we had to pay a .25 % fee on the loan in order to keep our rate locked in. After coming back with the appraisal, which was too low for the amount we requested, we were instructed to revise the bid down to the amount Wells Fargo would loan. During this time, we had to agree to another .25 % fee to extend it yet again. After submitting the revised bid, we were told we would have to pay another .25 % fee to hold the rate ( rate expires after 2-4 weeks ). This was agreed to yet again. Upon receiving the revised bid, Wells Fargo required that another appraisal be done because the scope of work had changed ( at their request ) and that they would pay for a second appraisal but we would have to extend the rate again with another .25 % fee due at the time of close ( approx. {$650.00} per extension in fees ). 
With a total process of 6 months from the time of application to the request of a second appraisal, I feel as though Wells Fargo has an unwritten policy of intentionally creating an environment in which consumers are given the option of re-financing but through their arduous and twisting process, hope to lose them through attrition. If a loan does close, they have collected numerous " fees '' in the form of rate locks. These rate lock fees coincidentally happen to coincide with time sensitive occurrences such as appraisals, underwriting decisions, etc. thus resulting in the consumer being pressured to agree to the rate locks or risk starting the loan process over again. Due to this hostile environment, I formally requested the {$950.00} fee refunded. After 4 weeks ( XXXX extensions ) by their " Compliance Department '', I was told that there will be no refund.
Product: Credit reporting or other personal consumer reports

these 2 inquiries are on my credit report. i did not apply for credit. 

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

CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXXXXXX XXXX  account he removed immediately or I will file suit. I also demand a giving score update immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and Equifax respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and Equifax continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

onemain was not Authorize to pull my credit report!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX : {$0.00}
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XXXX, Aidvantage placed my student loan account on Forbearance for disaster relief without my consent. I was advised that Aidvantage received notification from the Department of Eduction to place my account on forbearance. On XXXX, Aidvantage advised that I was sent an email of the Forebearance. My response was that at no time did I authorize or consent to the forbearance either verbally or digitally.
Product: Debt collection

Continued calls from company representatives and staff debt sold to third party without my consent or authorization or signature.
Product: Credit card or prepaid card

XXXX XXXX opened one or two credit accounts in my name by one or more of their store employees without my authorization or consent. The account ( s ) were opened at their XXXX store located at XXXX XXXX XXXX, XXXX, CT XXXX. The company was fined by the CFPB in the amount of XXXX XXXX for this type of behavior, their employees get you to apply to avoid charging you for services such as a watch fitting, they take your information and apply you for an account and state it is optional to open. However, it appears they in fact opened account ( s ) and they were used to make purchases which I did not authorize or make. I request these accounts removed from credit bureaus/collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Luckmore Finance Corporation has ran several hard inquiries unlawfully from one or more credit bureaus. I have never solicited services or had any contact with is organization.
Product: Debt collection

In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX XXXXXXXX 15 USC I have not giving written construction 15 USC Have violated my privacy
Product: Credit reporting

I have located an incorrect late payment from XXXX XXXX Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have no knowledge of these hard inquiries. The hard inquiries are result of identity theft and must be removed within four business days as per 15 usc 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX  XXXX Balance : {$200000.00}
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX- Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!