23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2016, I rented a vehicle from XXXX XXXX XXXX XXXX  The day of my departure, when returning the car, I entered the wrong bay because the signs were positioned incorrectly. As I attempted to exit the bay, the grate was raising before an employee could assist me. This was a traumatizing experience ; I spoke to the manager and he created an incident report and gave me a phone number to contact the executive offices when I returned to XXXX. I called the next day and there were several times we communicated throughout XXXX. In earlier XX/XX/2016, this incident was resolved. At least I was led to believe it was until I received a collection notice from Transworld Systems Inc, in the amount of {$3800.00} with a statement included stating the following ; If you have an income tax refund, perhaps you can use the proceeds to pay this account. Four years and seven months later, this the first time I am being notified through a collection notice. I stated in my dispute letter to Transworld Systems, I was led to believe this incident was resolved, therefore, there was never a need to contact my insurance provider or my attorney for legal counsel, my statue of limits has expired. This is unacceptable and I feel this attempt should not be allowed after four years and seven months, especially during a pandemic. I realize that the rental companies have been hit hard, however, do not try and resurrect an incident that was resolved.
Product: Payday loan, title loan, or personal loan

I've had three loans paid off with title max and none of which have been reported to the bureaus. I have one open now that isn't being reported to my credit either. If I default on the loan they will report it to my credit but they are not reporting any of the paid accounts or the one im.paying now which is predatory and unfair business practices
Product: Mortgage

On XXXX XXXX, 2016, loan officer at Wells Fargo ( XXXX XXXX ) sent me a text message, asking me to email all of our sensitive financial information ( 2 years taxes XXXX 's, XXXX 's, 2 months bank statements, paystubs, etc. ) to his personal email address to start the application process for a refinance of our mortgage. Come to find out 6 days later that the email address he asked me to send them to was the wrong email address, meaning that a total stranger now had all of our financial information. After we received conditional approval, I paid {$800.00} for the appraisal on our home, which finally took place on XXXX/XXXX/16. On XXXX XXXX, I was sent a loan estimate to approve before closing. I noticed that there was a XXXX % penalty fee added to the loan amount because the loan rate had expired ( which had absolutely nothing to do with us ). We have responded immediately to all requests for documents, and the reason for the delays have 100 % been on the shoulders of our loan officer and Wells Fargo. We are now going on 5 months for our refinance, and we are sick of the excuses for the delay, and, obviously, I am very concerned about our sensitive financial documents being in the hands of a total stranger. I filed a formal complaint with Wells Fargo Mortgage customer service 3 weeks ago, and they will no longer return my calls. I have attached a screen shot of the text where XXXX XXXX sent me the incorrect email address, then sent another text 6 days later apologizing, and sending me his correct email address. By this time, the damage was already done.
Product: Debt collection

Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work!
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Capital One for Unnotified Account Closure Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the abrupt and uncommunicated closure of my credit card account. This unexpected action has caused me considerable inconvenience and distress. 

My Capital One account is now closed On XXXX I attempted to pay several bills using my Capital One card. Unbeknownst to me, the bank account linked for payment did not have sufficient funds, resulting in a failed payment transaction. This was an honest oversight on my part, and I had no intention of defaulting on my payments. And I have not defaulted a payment of {$200.00} went through on XX/XX/2023. 

However, without any prior warning or communication, Capital One proceeded to close my credit card account. I received no phone call, email, or any form of notification to alert me of any issues or to provide me with an opportunity to rectify the situation. The first indication of this issue came when I attempted to use my card and found it inactive. 

The lack of communication from Capital One in this situation is highly concerning and, I believe, contrary to fair consumer practices. A simple notification could have allowed me to promptly address the issue, ensuring that the bills were paid and my account remained in good standing. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I believe that Capital Ones decision to close my account without prior notification or an opportunity to resolve the issue is unjust and requires rectification. I am eager to resolve this issue amicably and am willing to cooperate fully in any required processes to reinstate my account. 

Thank you for your attention to this matter. I am looking forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a new savings account and after transferring funds to it, the bank closed my account and refused to tell me why. I have talked to 5 different representatives and all they say is I violated the terms of the client manual. I am told it will take 30-60 days to receive my money back.
Product: Mortgage

On XX/XX/XXXX, my son passed away. In early XX/XX/XXXX, I contacted the mortgage holder, SunTrust, to begin the probate process in order to prepare to either sell the house or retain the house for his sister. A customer service representative said they would mail me a package of forms to complete. After waiting a couple of weeks without receiving the package, I followed up. The customer service representative said they needed a death certificate which we faxed to them. Still no package, called again, customer service representative said there was not record of receiving the fax and they needed death certificate and probate letter in order to send the forms. Still no package of forms. Repeated calls, no response. After we closed bank account and auto draft payments stopped we received letter addressed to my son that account was delinquent and a home preservation client representative had been assigned and he was instructed to call or email her. Telephone number provided was not reachable by direct dial had to go through customer service to leave message. Multiple voice mails and emails were unanswered of a 4-6 week period. Letters continued to come. Finally notice of foreclosure from an attorney firm. Talked with the legal firm, they could not provide us a contact. We finally got a call back from the home preservation client representative. She said she would send a package of forms for us to fill out to stop the foreclosure sell and allow us to sell the home in order to regain the equity. She asked us to send the death certificate and probate letter again. We did. Two weeks, no packet. Left message. She called and said did not receive death certificate. We provided the receipt number documenting it was received by her company. Six weeks, no packet, no return call from messages left, no emails answered. Foreclosure attorney continues to move forward with foreclosure sale. We need someone to stop this sale, provide us the paperwork so that we can put the house on the market and sell it. We need time to sell the house. We just recently received the payoff amount from the foreclosure attorney. SunTrust would never provide that to us. My grandson wants to try and buy it but he can not do so in the time remaining.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with Equifax 's handling of my disputes. I have been disputing these accounts for XXXX  days. Despite multiple attempts to resolve these issues, I have not received any investigation results or updates on the following accounts, and they have not been corrected : XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please update to NEVER LATE. 

XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please update to NEVER LATE. 

XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe. Please delete this account. 

XXXX XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe, and collections should not show a past due amount. Please delete this account. 

XXXX XXXX XXXX This is not my address. Please delete it from my report. 

XXXX XXXX This name is misspelled and not mine. Please delete it. 

XXXX XXXX This is not my legal name. Please delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX home. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after Wells Fargo opened more than 4 accounts in my name, charging me extra each month on each account.
Product: Checking or savings account

I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.
Product: Credit reporting or other personal consumer reports

I am listing an account fraudulent from my Experian, Transunion and Equifax Credit Reports. XXXX XXXX XX/XX/year>2025. Listed account does not belong to me and must be removed from all 3 credit bureaus. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark this account as fraudulent and remove from all my 3 credit reports.
Product: Debt collection

Hello, I noticed a big drop in my credit score ( from XX/XX/XXXX ) in XXXX, XXXX. I contacted XXXX and realized it was because a collection record was added by Transworld Systems. I contacted them and found out I missed a medical bill during my move from XXXX to XXXX. Even though I had USPS forwarding services ( a lot of other mails were forwarded successfully ), I never received the bill, nor did I get informed about this missing payment. I never received any notification about this collection until I found out in my credit score myself. 

I paid off the debt over the phone in XXXX, and explicitly asked if my credit score would go up. The representative said yes, which turned out to be partially true eventually the record will go away in 7 years. However, due to my lack of knowledge of how collection works, I thought this was settled. In XX/XX/XXXX, I was trying to get a home mortgage, and found out my credit score was still pretty low and it was hurting the interest rate I was getting. I eventually decided to hold off on getting a place.

I feel like what the hospital and Transworld Systems has done is not fair. They didnt inform me about this, otherwise I would not have missed it. I never missed a payment and had great credit history before this. Im hoping collecting companies can respect peoples efforts to bu
ild good credit history, communicate and educate people ( instead of just saying my credit score will go up ).
Product: Checking or savings account

FNB has charged me {$110.00} for Returned Item Fees for 2 attempted transfers. 

1 ) I tried to transfer my checking account balance of {$400.00} to another bank. FNBs website allowed the transfer of my full balance, but then tacked on a {$0.00} fee, which resulted in a {$0.00} overage and a Returned Item Fee of {$37.00}. 

2 ) With my account showing the transfer failed, but not showing the {$37.00} fee, I had a balance of {$400.00} again. I tried to transfer this balance to my brokerage. FNB hit me with another {$74.00} Returned Item Fee because my account balance was only {$360.00} when the website stated {$400.00}. 

3 ) I have tried twice now to contact customer support via Chat. Each time, I am told I will receive a call back once customer support reviews the problem. I have never received a call back.
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 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 reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$420.00}
Product: Checking or savings account

Wells Fargo withdrew {$2000.00} through ACH transfers from my XXXX account on XX/XX/XXXX. 

Where are they? I only have {$1000.00} in my WF accounts. 

I want a written explanation as of how WF can withdraw {$2000.00} on XX/XX/XXXX when 2 accounts were closed on XX/XX/XXXX, and where are the {$2000.00}? ( {$1000.00} currently in my accounts but where are the other {$1000.00}? ). 

This is a simple question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - new inquiry on XX/XX/2020 through XXXX XXXX XXXX XXXX - new inquiry on XXXX through Transunion XXXX XXXX XXXX -new inquiry- XX/XX/2020 through XXXX I have put a fraud alert on my name and social through XXXX and i have frozen my credit report with TransUnion and XXXX on XX/XX/2020 XXXX 

New inquiries are still being made after i put an alert out and froze my accounts. 
reached out to all the credit card companies that are trying to pull my credit report and nothing is being looked into or resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX : {$1500.00}
Product: Money transfer, virtual currency, or money service

Money was removed from my account, seemingly through Cashapp. I have not been able to contact anyone regarding this issue. The first transaction was XX/XX/2020 transaction # : XXXX And the most recent transaction was XX/XX/2020 transaction # : XXXX A total of {$660.00} was taken from my account.
Product: Debt collection

XXXX College at XXXX claims I owe them over {$730.00} plus an additional {$230.00} in collection costs. They claim it is owed for books purchased. However, my books and school materials were paid for by my financial aid. Which was denied that semester they are claiming the debt was incurred. I did not receive any books because I did not receive financial aid. I have been trying to get this fixed for a while now with now cooperation. I am XXXX with my XXXX. And simply want this situation rectified so I can complete my degree.
Product: Debt collection

Today XX/XX/18 at XXXX XXXX I received a call from elevate recoveries agent XXXX XXXX she started the call by talking about my son and his birthday and the age he is not introducing her self or the company she worked for. This made me uncomfortable when I asked what I could do for her she only then informed me that she was attempting to collect a debt after informing her I am not working and just had another child she began to ask who watches my kids where they are watched, how I pay for diapers and wipes and formula when I told her that was none of her concern she began to tell me if I had money for that then I had money coming in from somewhere I informed her my children were of none of her concern and she just started all over again with the invasive questions. I ended the call and called back and spoke to supervisor who only condoned her behavior this agency has my phone number address and my childrens names I am genuinely concerned for the safety of my children.
Product: Vehicle loan or lease

I bought a car from the dealership. They never sent the registration and titling to the DMV.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with Nationstar mr. Cooper XXXX? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.
Product: Credit reporting or other personal consumer reports

M name is XXXX XXXX, 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.
Product: Checking or savings account

On XX/XX/2022 I got a email from chime stating my account was closed due to Account does not comply with internal policies and/or the member agreement & your account is not in compliance with your Deposit Account Agreement. And they will issue me a refund check. But I dont understand I dont have any fraudulently activity on my account. I constantly contact them for some to explain exactly whats going on because they literally have all of my money. I can not pay any of my bills and XXXX XXXX. The last charge that I disputed was Right touch beauty for {$1200.00} for scamming me and damaging my hair and chime denied my claim. So I sue her in small claims court and won the case.
Product: Checking or savings account

chargred over draft fees when at the time i made the transaction i had the amount in my account but the bank pulled them later
Product: Money transfer, virtual currency, or money service

I want to express my concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle both failed to adequately investigate my claim. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my XXXX Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted XXXX numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call XXXX back or to send them a letter disputing the unauthorized inquiries. I called XXXX AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to XXXX. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by XXXX is XXXX.