23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo has locked my account, preventing me from transferring money using XXXX. After many attempts to lift the restrictions on my account, Wells Fargo has taken the position that there is nothing they can do to lift the restrictions, and their system will automatically lift the restrictions at some future undetermined time. Wells Fargo could not provide me with a reason for why this restriction is in place, nor could they offer a resolution. I feel that this is a predatory attempt to hold onto my money indefinitely. I have escalated this as high as possible within Wells Fargo. I filed a complaint with their escalation team, with complaint ID XXXX. The complaint was taken by Wells Fargo employee XXXX XXXX over the phone.
Product: Credit card or prepaid card

Fraudulent charges appeared on my account and XXXX from capital one told me that since this has happened before and because the chip was used, I will be charged for purchases that I did not make nor did I authorize. Capital one notified me of the fraud in the beginning which I didnt even know about and now they say I am responsible. They have no accountability and no desire to help their customers. She indirectly called me a liar. The insinuation that fraudulent activity does not happen to someone more than once in a one year was a foolish and disrespectful thing to say. After this, Im done with capital one. I will be filing complaints with every government agency you are regulated by.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am seeking loan forgiveness because, similar to the issues highlighted in the *XXXX  lawsuit**, I was misled into repayment plans that were not in my best financial interest. The unfair practices left me in long-term financial hardship, preventing me from making significant progress on my student loan repayment. Loan forgiveness would provide much-needed financial relief and help rectify the challenges caused by these misleading practices, allowing me to regain financial stability. 

Thank you, XXXX XXXX XXXX XXXX cell #
Product: Debt collection

I took out a credit card with XXXX  XXXX in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. Portfolio recovery associates purchased the debt from XXXX  XXXX in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.
Product: Bank account or service

Once again, a repeating problem trying to send an international transfer through their website.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION INFORMATION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

In XXXX, I financed a car purchase through Key Bank, XXXX XXXX XXXX XXXX, XXXX. I paid off the loan completely in XXXX. In XXXX, when I attempted to sell the car, I discovered that the Indiana Bureau of Motor Vehicles continued to show a lien on the vehicle held by Key Bank. Despite my repeated requests, Key Bank will not release the lien.
Product: Debt collection

Hunter Warfield has placed a negative collection item on my XXXX credit report in the amount of {$20000.00}. I have never had any contracts with Hunter Warfield nor any of their clients. 

Hunter Warfield has harassed me with numerous phone calls as well as emails on a daily bases. They are reporting inaccurate information on my credit reports and have failed to validate any debts that they claim that I owe. 

This collection is erroneous and does not belong to me. 

I am requesting immediate removal of this erroneous account which was date XX/XX/2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, I received a direct message on XXXX from an account claiming to be a graphic artist and offering to do work for me. On the same day, at XXXX, I engaged the " artist '' and we came to an agreement on what I wanted and a price ( {$50.00} ). I was told that as soon as they received a confirmation of payment through CashApp, they would start my work. At XXXX, they provided their cashtag which is XXXX  XXXX. I then sent the payment and at XXXX, provided the screenshot of the payment being completed. The next day ( XX/XX/XXXX ) at XXXX, I was accused of not sending the payment. At XXXX, I logged on to my online banking and took a picture of the transaction showing that it was out of my bank account and processed. After some back and forth arguing, I once again sent the bank account transaction AND a screenshot of a completed payment from me to XXXX XXXX through cashapp. At XXXX, this person had the audacity to ask me for ANOTHER {$20.00} to " clarify my payment ''. I refused, there were some angry messages that followed, all of which I have screenshots and I requested a refund. I was denied my refund from this person on XX/XX/XXXX at XXXX. I have been trying to reach customer support for weeks. Through emails, and phone calls. I have never received a return email and every phone call ends up with me on hold for an hour and a disconnected call. Today ( XX/XX/XXXX ) I got an automated call from cashapp about my declined refund. There were no options to press any buttons and when I call the number provided, it just disconnects. I even contacted my bank and was told they don't deal with cashapp. This was supposed to be for a Father 's Day gift and not only am I out the money, but I also didn't have the gift done on time.
Product: Mortgage

Hello, I established a refi on my mortgage with Caliber Home Loan in XXXX 2016, with 15 years refi rate lock of 2.75 % which expires on XXXX/XXXX/2016. I received my first loan disclosure on XXXX/XXXX/2016, which indicates a lender credit of {$2100.00} to close this refi before XXXX/XXXX/2016. 
With anticipated refi closing date on XXXX/XXXX/2016, I have supplied all the documents in XXXX and follow-up documents in XXXX 2016. However, Caliber Home Loan 's underwriting process just keep delaying the loan closing date. Aftermath, they did n't schedule a notary to sign the closing documents until XXXX/XXXX/2016. Then they removed the lender credit of {$2100.00} at last minute! Before the final closing date, I still see the {$2100.00} lender credit on loan disclosure dated XXXX XXXX, 2016. Caliber Home Loan have removed this {$2100.00} lender credit on the date I signed my closing documents dated XXXX XXXX, 2016. This is outrageous that Caliber Home Loan removed this lender credit on the date I scheduled to sign the closing documents. Unfortunately, I have to sign amid they keep dragging and delaying the promised closing date. 
My Caliber loan consultant is XXXX XXXX - XXXX, he is awared of this lender credit and delaying underwriting process. 

Please help me. 

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

This was my fifth submission of CFPB complaint for informing the XXXX that I was a victim of identity theft, and this is another request to block and remove this inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my TransUnion Credit Report, and know that this inquiry was opened without my consent. Please see below the inquiries that I urgently needed the Bureaus to remove : XXXX : XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

* Name : XXXX XXXX XXXX * Date of XXXX * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX * Account Number ( Last 4 digits ) : XXXX * Credit Card Company Name : First latitude * Date of Fraudulent Activity : XX/XX/year> * Date of Investigation Completion/Account Credit : XX/XX/year> * Late Payment Reported : XX/XX/year> I immediately reported the theft of my card and worked closely with my credit card company to resolve the issue. The company completed a thorough investigation under the provisions of the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ), which protects consumers from liability for unauthorized charges on stolen or lost cards. They confirmed the fraudulent charges and credited my account for the full amount. However, despite the resolution of this fraudulent activity, they have refused to remove the late payment notation from my credit report.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) : Under the FCRA, credit reporting agencies must ensure that the information they report is accurate. If an account is reported as late due to fraudulent activity, that information is inaccurate and should be corrected or removed.

2. Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) : The FCBA specifically addresses unauthorized charges on credit card accounts, stating that a consumer should not be held responsible for fraudulent charges once the card has been reported as stolen or lost. The law requires that credit card issuers promptly resolve fraud claims and ensure no negative information is reported as a result of such fraudulent charges.

In this case, the 30-day late payment reported on my credit report is inaccurate because it directly resulted from unauthorized charges made with a stolen cardcharges that my credit card company has already credited back to my account following an investigation. Since this late payment was not due to my negligence or oversight, but rather the result of fraud, it should be corrected under both the FCBA and FCRA.
Product: Money transfer, virtual currency, or money service

My funds are being held XXXX for XXXX  days, the account is closed I just want to access my money.
Product: Credit card or prepaid card

Today XX/XX/2022 at XXXX cst. Chime closed my account, that i recieve my paychecks from and took my money. The shut me out of the app on my phone so I could not access anything. I have not talked to anyone, you can only email them. They told me to send a copy of my Id, and receipts of how i make money. I sent my check stub which is directly deposited into that account every XXXX weeks!!!! They haven ; t responded to any emails, or anything. Please close this company down. I read reviews of how the closed people 's accounts after their stimulus money hit. Said they had been closing out people account stating their sending the money to the government, which is a crock of XXXX. They owe me XXXX. I really need my hard earned money!
Product: Bank account or service

Everbank failed to contact me when I had an existing military fraud alert on my personal information. They opened a bank account with my personal information under different contact information. I am trying to close this fraudulent bank account. 

I only found out about it through my own ID protection subscription service notification. I only opened this service after the OPM data breach that happened a few years ago and there were concerns of this information being sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern, I am making a complaint toward one of the credit bureaus ( Experian ). I have 3 accounts on my credit that has been ( Charge Off ). All 3 Charge Off accounts has pass 7 years. 
According to credits reports information, all Charge Off accounts will be removed off your credit in 7 years. 
XXXX and XXXX has remove the 3 ( Charge Off ) accounts from their bureaus, but Experian refused to remove the 3 Charge Off accounts from their bureaus. 
I have contact Experian by phone and dispute online several times about the 3 ( Charge Off ) accounts and they refuse to remove the 3 Charge Off accounts off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX  XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors
Product: Debt collection

I am XXXX XXXX, a consumer. The company Security Credit Services has somehow obtained my personal information unlawfully and has furnished an unknown, unverified collection account to my credit report. The collection account includes an alleged debt and other false and misleading information ; which is a crime punishable by penalty and jail time for the one who is responsible at the company. The reporting of the false information has damaged my name. I want to be compensated for my suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

A massive number ( 2 to 5 per day ) of robocalls from a number of places claiming to do home mortgages or rent-to-own ( one fake business calls themselves " XXXX XXXX XXXX XXXX '' ) and then reads a script and tries to hotswap to Lexington Law for credit repair claiming that my credit score is preventing me from owning a home. 

I've reported it to Do Not Call but this has been going on for months and it's getting worse. It's really really annoying.
Product: Credit reporting or other personal consumer reports

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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

I have repeatedly challenged with proof the inaccurate information that Equifax is reporting stating I was 30 days late in XX/XX/year> on my XXXX account. This account has always been paid on time and was never late. Despite several disputes, Equifax refuses to remove this damaging and inaccurate information.
Product: Credit reporting or other personal consumer reports

I do not recognize inquiries on report. I have asked for them to be removed and Credit Bureaus have not removed them.
Product: Mortgage

Mr. Cooper is my third mortgage servicer. I DID NOT SEEK TO HAVE A RELATIOSHIP WITH MR. COOPER. This mortgage was transferred to Mr. Cooper. Of the three servicers, Mr Cooper by far is the worst The first problem is, that unlike previous mortgage servicers, it is nearly impossible to speak to a live agent via telephone. There are extremely long hold times and you are constantly directed toward a virtual assistant, even after several requests for a live agent. Finally you may have to settle for text chat via computer or mobile device. Even if you finally are able to chat with an agent the information received is inaccurate or incomplete.

Approximately two weeks ago, I asked a Mr.Cooper agent if the interest was reduced when a fixed rate mortgage was paid off early. By using an online calculator I concluded the approximate interest saved. He generally agreed with my analysis but was unable to quote exact figures because he was not in the correct department. He promised to transfer to the correct department. I waited a great deal of time but the transfer was never connected. 
Two weeks later I requested an exact payoff quote via mail and via telephone. After a long hold time and being constantly directed to a virtual assistant, I was only able to reach someone via text chat. I asked for an official payoff quote including reduced interest. I was told that I had to payoff the entire mortgage amount and that Mr Cooper would later send me a check for the difference in reduced interest .It was my contention that the interest should be reduced greatly since this was a fixed rate 30 year mortgage, which is potentially being paid in 18 years. 
The agent 's explanation did not sound correct. I did not trust that Mr Cooper would actually send a check to. Finally I called the XXXX XXXX government office and the agent there completely contradicted what the agent at Mr Cooper said I was told I had to payoff nearly the entire remaining balance In addition I requested a loan modification application ( also know a loan forbearance ) from Mr Cooper. The application which cost {$250.00} to submit, provides no information regarding what mortgage payments would be after the application is submitted. Further it supposedly takes 3 month to get an answer from Mr.Cooper
Product: Mortgage

We began a mortgage refinance with Angel Oak Home loans in XX/XX/2021. As of today, XX/XX/2021 we have NOT completed this refinance. We have been asked over and over to supply additional information and had to re-submit for credit reporting and re-certification of appraisal because they were so slow/inept at underwriting & processing that many of the documents had " expired ''. XXXX XXXX was our original loan officer ( NMLS XXXX ). After some months of him being missing-in-action, XXXX XXXX tried to step in to help ( XXXX ). I was promised by XXXX that if we just run credit again in XXXX, that we would be able to close on the re-finance the following week. Obviously that didn't happen. They never communicate with me as the customer unless I reach out for a status - only re-active communication. No pro-active communication. 
The loan processor, XXXX XXXX did try to push this along. Much of the blame for these delays/requests were pushed to the mysterious " the underwriter '' who didn't seem to have the mental processing power to understand or comprehend the components of our application. We would have been fine if they ever just gave us a denial as a straight answer. Angel Oak is unethical and unprofessional and should not be allowed to offer mortgage services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX numerous times about incorrect reporting of delinquency payments. They had no record of it. Closed our credit card over 3 weeks ago and they are still reporting false information on credit report effecting credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two accounts that appeared on my XXXX credit report from World Finance Co. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to World Finance Co. to  validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to XXXX  on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from XXXX dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my XXXX  credit file confirmation # XXXX.