23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I was contacted by XXXX at XXXX ext XXXX, claiming that she was trying to collect payment on a Master Card ending on XXXX that was under my name, and that I had stopped making payments on. Claiming the Credit Card came from HSBC Bank, out of XXXX XXXX, CA. I am worried because she had my full name, address and even my full Social Security Number. She requested my email address to send me further information. She stated that her assistant named XXXX XXXX would be contacting me. They were supposed to send me documents to my email address, stating what I owed and the details. I have not received any emails regarding this matter. I am worried that what they were actually doing was verifying my personal information, in order to commit Identity Theft. She also gave me a XXXX # XXXX and the also called me using a local area code for my city, the other number the used was XXXX. I now believe this was a scam. She also mentioned that if I didn't pay, they had the right to garnish my wages.
Product: Mortgage

We pay into an escrow account for taxes and insurance. Our lender and their tax escrow company constantly pay our real estate taxes late incurring penalty. We get notified by the County the taxes were not paid via a late notice saying our taxes will be sold for for nonpayment. The lender servicing our loan Regions Mortgage will not take any calls. Only e-mail which they do not respond to or submissions via their public facing servicing portal. For the last 2 years we have had to constantly submit past due notices to them via their portal. They only pay the taxes after we contact them to pay it and submit the late notice to them via their portal proving they never paid it. What we recently learned is that Regions XXXX XXXX XXXX provider XXXX  is not paying the taxes on time. We pay our mortgage on time, they have teh money in the escrow account, they need to pay our taxes on time. Both Regions and XXXX are in violation of teh escrow agreement we had to sign. Constantly paying late and then paying the applicable late fees is not an acceptable practice. It is just a matter of time before something goes wrong and our taxes get sold at a tax sale.
Product: Credit card

Request for Correction of Inaccurate Payment History WFBNA ( Wellsfargo ) Account I am writing to formally dispute inaccuracies in my credit report regarding my WFBNA credit card account. Below are the details of the account : Account Name : WFBNA Credit Limit : {$1900.00} Account Open Date : XX/XX/XXXX Account Closed Date : XX/XX/XXXX Upon reviewing my credit report, I noticed incorrect missed payment entries associated with this account : 1. XXXX : My report reflects 15 missed payments from XX/XX/XXXX, to XX/XX/XXXX. However, since the account was officially closed on XX/XX/XXXX, there should not be any missed payments reported beyond this date. Please investigate and remove these inaccuracies. 
2. XXXX : My report shows two missed payments for XX/XX/XXXX and XX/XX/XXXX. While I am uncertain about the XX/XX/XXXX entry, I request a review of this information to verify its accuracy. The XX/XX/XXXX missed payment is incorrect, as the account was closed on XX/XX/XXXX. Please correct this error. 

I kindly request that you investigate these inaccuracies and update my credit report accordingly. Please provide me with written confirmation once the corrections have been made. If additional information is required, please let me know. 

Thank you for your prompt attention to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX  company is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX  company and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX ) Consumer XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX open XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX open XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX. open XX/XX/XXXX XXXX ) XXXX XXXX open XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX open XX/XX/XXXX XXXX
Product: Debt collection

This company keeps calling and hanging up and/or not leaving messages. they are apparently using a robodialer as I was hung up on, again this afternoon.
I see very poor ratings for this company. That 's why I am coming to you.
Product: Checking or savings account

I received the sum of {$8200.00} in my checking account with PNC bank from one XXXX XXXX my business contact on Thursday the XXXX day of XX/XX/2019. I went into the bank the next day to get this cash, so as to be able to complete my part of the business. My bank refused me access to the funds in my account and outrightly declared the transaction fraudulent. I have reached out to the bank for reasons for such action and have also called them on several occasions to no success. They said that my account is under investigation and wouldn't give me anything to prove to XXXX XXXX that I have not scammed her off her money until the investigation is done. I write to have this remedied as I think this is the best thing to do
Product: Credit reporting or other personal consumer reports

XXXX. TIAA uses background checks as a form of retaliation against employees who brings up issues against them.
Product: Credit card or prepaid card

On XX/XX/22 I applied for a Ally XXXX XXXX and was approved. I received an email that I would get my card in 7-10 business days. After the initial 10 business day wait time I reached out concerned because I had not received my card still. The representative that I spoke with said that they were having a issue printing the cards and to give it to the next Monday and if I had not received it to call back. I waited that time frame and then some, I ended up calling that next Wednesday as I still had no card come in the mail. When I called that time the representative was not very helpful, she said the same as the other lady that my card had been shipped but she could not give me a tracking number. I told her this made me uneasy and that I was beginning to worry about the validity of their company. She stated they were having issues making the cards and this was causing issues for customers to receive them to which I said but my card is already made if it has been shipped so I am not understanding. She said that all she could tell me was what she already had and that if I wasn't satisfied she could escalate me to a supervisor which I asked her to do because I was very uneasy with how this was all going and that it sounded very scam like. She placed me on hold for sometime and finally came back and said that her supervisor would be busy for quite a while and she couldn't keep me on hold that long. She said that he would call me once he was freed up from his current call. He never called. So this has now hit my credit as an account but I am unable to get them to produce a card or account that I can use. Any communication is met with the same response and I am left back at the same place I started.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

On XX/XX/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

It is now XX/XX/2023 and Venmo is still refusing to give me my money!
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX AM I received a call from XXXX XXXX XXXX claiming to be discover card about my account. I have no account with them and the caller tried to get me to divulge private information. Additionally I am on the do not call registry
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding an ongoing issue with XXXX not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted XXXX multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all XXXX  of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Mortgage

I am writing to officially file a grievance with PennyMac. I formerly submitted a request to PennyMac to transfer my property to my living trust. A revocable living trust is a legal estate planning tool that places my assetsinvestments, bank accounts, real estate, vehicles, etc. in a trust for my benefit during my lifetime. 

Upon my death, all assets held by my trust are distributed quickly and easily to my designated beneficiaries. One of the benefits of a trust is the sheer fact that any and all transactions involved, including distributions, are private both before and after my death. I have received two separate letters from PennyMac requesting 1. ) a complete copy of my trust, and 2. ) acknowledgement that I am the named beneficiary. 

I have responded to these requests by providing a copy of a Memorandum of Trust and, Certification of Trust. Both of these are legal documents prepared by my attorney and should more than satisfy PennyMacs request. At this juncture, I firmly believe PennyMacs request is both unreasonable and unjust. 

I have attempted to contact a representative on several occasions specific to this matter to no avail and am hereby officially submitting a formal grievance.
Product: Credit reporting or other personal consumer reports

XXXX continues to report inaccurate information about me. None of the information has been verified or validated as belonging to me. Under federal law data furnishers can be fined for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or correct the account listed below : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing this statement to formally express my concerns in regards to zelle handling my disputes. While using this p using Zelle, there happened to be some discrepancies with my financial institution. Zelle has not properly investigating my claims. My financial institution has informed me that my funds are not retractable and has failed take the proper precautions to resolve the issue as the trustee. I'm highly disappointed.The CFPB finding indicates that zelle has not only neglected to protect as the consumer but also failed repeat offenders to exploit the system, leaving consumer accessible to vulnerable scams.
Product: Checking or savings account

To Whom It May Concern, Chase Bank has informed me that they are closing my checking account and all credit cards on XX/XX/XXXX due to " unexpected activity on this account ''. The checking account has been open since XXXX and credit cards over 5 years, and has always been in good standing. There has never been a negative balance and has been used for my employment direct deposit and paying off bills. There has been higher than average deposits and payments due to increase income. There has been no warning prior to this that any type of issue or risk was of concern. If there was such a high risk, they would have been shut down immediately. I am shocked they are closing all of my Chase checking and credit card accounts on XX/XX/XXXX after being a customer in good standing since XXXX. 

I ask that the accounts not be closed on XX/XX/XXXX so I have time to re-evaluate my relationship with Chase and continue to do business with them if I deem so. 

Many thanks for your help with this matter, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I could not remember the password to my Venmo account and so I created a new one to replace the old. 
I did finally gain access to my old account and I was attempting to purchase Bitcoin through Venmo. However, I did not realize that you could not send Bitcoin out of your Venmo balance, so I exchanged it back into USD. 
In this process all Venmo accounts were frozen due to unauthorized activity. The funds in my accounts ( totally {$360.00} ) was unavailable to me until Venmo support could look into the issue. 
It has been nearly a week and a half and I still had not heard from them as to a solution. I sent an email today requesting status of the pending frozen account and I received an email stating they were going to permanently delete all Venmo accounts and the funds in the account would be unavailable to me. They would send an email in the future if the funds were available to transfer out. 

This is unacceptable. I understand that they ask consumers to only have one account, but for them to freeze my accounts and limit the access to my funds and then ultimately prevent me from accessing them at all, is not ok. I hope the CFPB can look into this because Venmo is not treating their customers in the way they should. The funds in the account are mine, not Venmos.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX  XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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

XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the toughest of the 3 reporting agencies to deal with. They make it difficult to access your credit report, They ask vague questions on the identity verifier, they come up with excuses when you call in to get help. I try to login to check dispute status and it says unavailable. I tried to get early exclusion and got multiple run arounds all telling me different things. I have tried to correct information and have been unable to get accurate information posted and can only verify certain info through credit karma and not anywhere else. 

Equifax needs to be more consumer friendly.
Product: Debt collection

Due to an car accident, I went in personally to my Wells Fargo bank branch to inform them that I would not be able to receive letters or phone calls due to me needing XXXXXXXX XXXX XXXX XXXX XXXX, and I would be undergoing XXXX XXXX The banker, XXXX XXXX told me that she could set up my auto payments above my monthly due amount, so then I will not be in trouble a couple months later when I return home, fully recovered from XXXX XXXX  and ordeal of my XXXX  I looked in my mailbox and I saw letters that my account was not delinquent because I did not make any payments. I tried to go to the branch but the branch shut down and I called Wells Fargo on XX/XX/XXXX I submitted claim dispute to review my case nobody had ever replied to me. I constantly called out constant collectors, called me. I tried to make payments, but I did specify that I need to speak to somebody because this was at no fault to me and I was willing to pay, but I want to take away some fees because XXXX XXXX XXXX XXXX XXXX, and the banker did not do as promised by by and contacting me, I saw making payments because nobody was trying to help me. I called again and I was informed and nobody had touched my case this past XXXX so then we submitted another case and then that case resulted in the saying that they did not see any arrangements made Since its XXXX when I stopped auto payment to do to me not using my credit card As often to make payments, and there was nothing they could do because the branch was closed so then I escalated my complaint and investigation to a higher division of the collection department of Wells Fargo and they were only able to remove {$100.00} of late fees, but they had sold my debt to a deck collector without my knowledge I am willing to pay, but because this was not my fault I was in the hospital due to an accident, and I was promised as a consumer that they would do my auto payment and that was not done now I am being held responsible. They are not willing to help me the credit Collection agency is not wanting to send me any letters that Im requesting to justify or explain or even the evidence that they have. The agent at Wells Fargo said that well, it was my fault and that there is no excuse that I was sent letters, even though I had explained that durinXXXX XXXX XXXX XXXX XXXX XXXX  and I said the hospital that I did not have access to my mailbox nor did I have family members to pick it up and not only that but my apartment complex mail is sometimes compromise so sometimes I did not get those letters after my return back home from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, XXXX, XXXX. I have nonmailable address on my report. XXXX XXXX XXXX XXXX XXXX XXXX is my only address. These other address need to be deleted. Also, it is illegal to report transaction history. Privacy act of 1974. And I was effected by the XXXX Data Breach. It is {$1000.00} per violation. Per the FCRA as a federal protected consumer Iam now opting out of any and all authorization. I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802 and change off, are considered a certificate of indebtedness. income can not be reported. 15 usc 1681 permissible purposes. You can't tie me to an old address. ( Non mailable ) and utilization is illegal a corporation can not report transaction history.