23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX My credit card was stolen from the XXXX in XXXX, XXXX on XXXX XXXX. I called and reported my credit card as stolen and the charges made as fraudulent that night. I was told that the credit card would be refunded of the money within 10 business days, typically sooner. The fradulent charges are for the following amounts : QT XXXX - {$20.00} QT XXXX - {$10.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX XXXX - {$9.00} XX/XX/XXXX I went in person into Wells Fargo at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX around XXXX and spoke to a teller. I relayed the information about the credit card to the banker to ensure the account had been cancelled. I was assured it had been ; I again noted the charges that were made on the account. I also got a new debit card at this point ; the debit card is not related to the charges. 
XXXX I called in to Wells Fargo and was told the fraud charges were not marked. This after being told on the phone and in person that the charges were marked as fraud and would be refunded. I summarily closed the credit card account and paid the balance. 

I am unable to get an answer from Wells Fargo as to whether the charges will be refunded now since the card has been closed and I no longer have a Wells Fargo account. I find this unacceptable ; Wells Fargo has said it will take an additional 10 days to process, despite the mistake not being my own. Additionally, they are unable to guarantee that the fraudulent funds will be returned to me after my conversations ; only that they will process the return into an account that is no longer active.
Product: Debt collection

on XX/XX/XXXX I received notification fom XXXX that there is a negative report on my credit report. Upon review I noted Resurgent/LVNV Funding account from XXXX XXXX was opened and is on my credit report. The address on the account is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX was opened on XX/XX/XXXX for {$530.00}. I do not live in XXXX Tx or have I ever. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX TX since XX/XX/XXXX. I have only had one electric company during my XXXX plus years XXXX XXXX. My credit was hacked and I had a another Electric company by XXXX XXXX in which an account was opened under my credit and I disputed it and had a police report filed in XXXX XXXX for an address in XXXX Texas. The dispute and that account was discharged as it was determined that was not my account and it was not me. If you review my credit history you will see that all my information and credit action has been in XXXX XXXX Texas since I moved here in XX/XX/XXXX. I have not lived any where else and I do not live or in XXXX Texas
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan through XXXX XXXX XXXX  and I have made 4 payments on this loan so far totalling around {$600.00} and they have a promotion going on right now that is 90 days interest free on the loan, when I looked at my account I see that they are putting ALL of the payments to interest only, none to the actual principal. This was payments made within the 90 day period. I have emailed them regarding this issue and they keep giving me the run around as well as charging me % 199 interest
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 instruction
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023, I received a XXXX  ID Theft protection alert. Upon receipt, to understand the depth of the alert, I contacted a XXXX customer service representative. In an application for a consumer loan, the representative noted that personally identifying information was used. Shortly thereafter, the following additional Norton Identity Theft ( and XXXX XXXX ) alerts were identified ; i.e., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, to determine if there were possible fraudulent activities, within other consumer reports, additional suspect accounts and collections were observed. As the result of the XXXX XXXX XXXX ( XXXX ) breach, an XXXX breach, and most recently the XXXXXXXX XXXX XXXX data breach ; the prevailing belief is that my personal data has been compromised. Moreover, personal data is being used to open and or maintain fraudulent consumer data. 

Subsequently, I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, your organization has legal culpability. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. Thus, as identified, the following items constitute violations of federally protected rights.

The following attachments and letters to consumer credit reporting agencies are submitted for review.
Product: Credit reporting or other personal consumer reports

Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Vehicle loan or lease

Acquired a boat loan with Huntington Bank XXXX XXXX. Loan was paid in full and closed on XX/XX/XXXX. Reached out to the bank multiple times in XXXX to get the lien releases for the boat. After multiple attempts was told that the issue was closed and all information was sent to the XXXX oXXXX XXXX  XXXX. XX/XX/XXXX the XXXX XXXX alerted me to the fact the electronic liens where still on parts of the boat specifically the trailer. Opened new cases with Huntington Bank XXXX XXXX and asked this get corrected. Literally showed the customer service members how to obtain the " XXXX  Electronic Lien and Title Non-participating Lender Lien Release '' form including the fax number to where they needed to be sent per the DMVs guidance. They proceeded to mail them to me, also duplicates and incorrect/ not needed information, bot lien release not present. Tried to contact the person responsible for completing the form 5 times ( left voicemails ). Reached out to the bank on XX/XX/XXXX was notified they would put in another request for the lien release and I could expect to see it in 18 days due to the volume of requests. Escalated to a XXXX whom stated we sent them, it's neither here nor there if duplicates where sent. I mentioned XXXX  XXXX XXXX that states the lien release is required by state law within 30 days of the close of the loan. Gentleman stated he would escalate, but doubtful this will get resolved since the bank seems incompetent of following the easiest business practices such as this.
Product: Mortgage

Santander Bank acknowledged wrongdoings on the accounting of my mortgage account due to recent complaint made in XX/XX/2019. They agreed that it was an error and their accounting of fees and I would not be subject to paying any additional amounts. However, they have billed me and demanded that I pay late fees totaling {$130.00}. Their on line payment option would not only tendered payments without accounting for this additional expense. I am not sure why they continue to defraud and deceive me but they assured me in writing and by telephone that I didnt owe any additional charges and to redeem only the monthly mortgage payment amount. I modified this loan to avoid foreclosure back in XX/XX/2019 and completed this process to include notarizing new loan terms and have attempted to comply either contract terms despite them delaying the process and filing the new contract with my local clerks office and accepting tendered payments. Please help me!!!!
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022 Truist charged my account {$36.00} in overdraft fees. I contacted Truist to file a complaint, XX/XX/2022 @ XXXX ( EST ), and was told that a manger would be in-touch with me with in a few hours. I was also told that someone from another department would be in contact with me within 48 hours. Neither has happened. Truist banking system will show a postive balance and during the course of the day the positive balance would change to negative balance, causing accounts to be charged overdraft fees. Truist transition has cost consumer many over draft fees, among other issues, part of the reason for the " CLASS ACTION LAWSUIT ' against the institution. I was told my debt cards were mailed XX/XX/2022, and did not receive them until XXXX after having to go and reorder several times. Doing that time my business account was charged overdraft fees. This transition has made consumers suffer, while Truist is pocketing money in varies fees. My contact information. XXXX XXXX, XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

2022 my experience theft and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the theft. I sent the police report and any other supportive information to XXXX credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I did not authorize these inquiries. My personal information has been breached multiple times. Please remove these inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These auto inquiries were pulled without my knowledge or permission by XXXX XXXX XXXX XXXX. They admitted to me on thephone they did it without my knowledge or permission to try to find me a better rate, even though I specifically told them I was going through my credit union. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was late back in XXXX and XXXX, paying my late fees. They have confirmed the account has been current since XX/XX/year>, 9 months. I recently had to file a loss with the insurance company in which they are replacing my roof and work inside ( wet walls and mold ). The first check sent was for a little over XXXX XXXX  They will not release the check to me, putting it in an escrow. Reasoning : was late date of loss?! How isnt this ethical or legal? The insurance gave me the first part for the roofing company and the other part for repairs, and now I can not get started. Theyre telling me they release it as its done?! How can I get it done if I dont have the money. My account is current, they should not be able to do this, especially with mold being an issue. Im prepared to file a lawsuit, but I would rather just be done and get my payment and know XXXX get the next one with no issues. Is this within their legal scope?
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX 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 card or prepaid card

My credit card was used by someone to make 4 unauthorized cash advances in a city about XXXX miles from where I live. The transactions were made XX/XX/XXXX ( 2 transactions ) and XX/XX/XXXX ( 2 transactions ). I called the credit card company on XX/XX/XXXX to report the fraudulent cash advances. They cancelled the fraudulent card and reissued a new card. I was told they would investigate. They were not charging interest so I thought they were investigating the claim. By XX/XX/XXXX, I had not heard anything and I called the company back on XX/XX/XXXX. They did not have any update on the investigation and I had to explain the entire story again. This time they gave me a reference number and told me they would investigate and I would hear something within 1-2 billing cycles. To date, I have not heard from the company and they are charging interest on the cash advances.
Product: Mortgage

Wells Fargo offered to us, and many other families in Florida, a Disaster Relief Program after Hurricane Irma. My husband was the first one to take the call. They offered three months payment-free - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - as a courtesy for those dealing with the aftermath of the hurricane. When my husband specifically asked how that amount would be repaid, the representative told him they werent sure at that point, but it would definitely NOT affect our credit. When we called at the beginning of the year to resume payments, they told us our Disaster Relief went through the middle of XX/XX/XXXX and we were resume payments at that time. Since then, we have paid every month, despite no access to the online payment portal. We have to call our Disaster Relief representative to make the payment, but she is never available and when messages are left, she rarely returns them. Apparently, the amount relieved during the Disaster Relief Period is being placed into a loan that will need to be repaid, which is fine. But I only know that because we considered refinancing in order to take advantage of our better credit at that time and we had to use the myloantracker system to manage the process. That refinance loan was dropped unexpectedly and without any communication from Wells Fargo. We had to seek them out for a reason and when we finally got the answer, it was because It wasnt fiscally reasonable for them at that time. Back to the Disaster Relief, the myloantracker system hasnt been updated and there is no communication from our representative. I tried to fax, share, and email a document I needed to submit, and sent several emails to our representative asking if she had received it with XXXX reply. This makes us very anxious. I finally was able to upload it to myloantracker when I hadnt been able to do that before. With NO COMMUNICATION from Wells Fargo, we have no idea what is happening with our house or mortgage. Our worry is that we will go into default and we desperately dont want that to happen as we have XXXX small children. A search of Wells Fargo Disaster Relief Complaints will uncover many people who were told the same things and are going through the same issue.
Product: Mortgage

I signed my mortgage loan on XXXX XXXX. I mailed my notice of right to cancel, on XXXX XX/XX/2019 by US postal priority mail express to Loandepot. It was received on by them the same day at XXXX Several days later I noticed that my old mortgage was paid off, contacted Loandepot to find out why they paid it after I terminated my loan. I was told that they did not receive my letter.
Product: Mortgage

I obtained a first mortgage from Truist Bank on an owner-occupied residence. 
I was required to open a Truist checking and savings account to receive a preferred rate on the mortgage, even though I did not bank with Truist at the time of origination. 
After making the first payment, I set up an automatic payment authorization. 
When the first payment in XX/XX/2022 following setting up the authorization was due I received a notice that there was not sufficient funds in the checking account. I transferred funds to the account from a savings account and the balance was shown as being paid. 
I received a notice my automatic payment authorization was withdrawn for the XXXX payment. I went online to pay the mortgage and found my online payment options had been XXXX. I called a customer service representative who would not take an authorization to transfer funds over the phone ( even though they could access my account information and confirmed my identification ). 
I spoke to the loan origination closer I worked with and was informed the XXXX payment was not made. I had to go to a branch and was informed the XXXX payment was made, similar to what I had seen on the system but contradicting the information from the loan closing professional. 
I have found that the mortgage was reported as delinquent to credit bureaus resulting in a significant decline in my credit score, even though Truist reported it as current. I find it odd that there is confusion around the payment status, that the bank actively limited my ability to pay the loan conveniently. I feel my credit score has been damaged unnecessarily by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. 

PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN US BANK CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS
Product: Checking or savings account

I bank with capital one and I have yet to receive my direct deposit and have bills to pay and cant pay them so now I will be looking at late fees
Product: Credit reporting or other personal consumer reports

I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification : XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law.

Sincerely,
Product: Credit card

PLEASE I'M BEGGING YOU TO SETTLE THE REPOSESSION ON MY ACCOUNT AND I'LL PAID WITH THE AGGREMENT, I'M BEGGING FOR YOUR UNDERSTANDING.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation imposed on my newly registered PayPal account. I am a new user on your platform and have not violated any of PayPal 's terms or policies. 

I understand the importance of security measures that PayPal has in place to safeguard its users, and I appreciate your efforts to maintain a secure environment for online transactions. However, I believe that there has been a misunderstanding or an error in the assessment of my account. 

I kindly request a thorough review of my account and a detailed explanation of the reasons behind the blockage and limitation. As a new user, I have not had the opportunity to engage in any transactions or activities that could have warranted such actions. I assure you of my commitment to adhering to PayPal 's rules and regulations. 

To facilitate communication, I would like to provide you with my registered email address associated with the blocked account : XXXX. Please direct any updates or necessary steps to resolve this matter to this email address. 

I am willing to cooperate fully and provide any additional information or documentation that may be required to verify my identity and restore full access to my account. I am eager to resolve this issue promptly and regain the ability to utilize PayPal 's services. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing my appeal and rectifying the situation. Should you require any further information or clarification, please do not hesitate to contact me. 

XXXX XXXX [ Your Full Name ]