23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a checkings account with Wells Fargo Bank, and I keep receiving emails from them charging me overdraft fees for debit transactions that were paid. I received an email from Wells Fargo on XX/XX/XXXX stating two transactions that posted XXXX XXXX XXXX XXXX XXXX for {$63.00} and XXXX XXXX for {$13.00} overdrew my account on XX/XX/XXXX and I was being charged a {$35.00} overdraft fee. My XXXX XXXX XXXX payment is setup to be automatically withdrawn every month, and I had over {$200.00} in my checking account to cover the cost of these transactions. I called and spoke with XXXX, Wells Fargo Representative on XX/XX/XXXX. XXXX removed two overdraft fees {$70.00} total, and I asked to have Overdraft Protection removed from my account. I received another email from Wells Fargo on XX/XX/XXXX stating a transaction that posted XXXX XXXX for {$62.00} overdrew my account on XX/XX/XXXX and I'm being charged a {$35.00} overdraft fee. My XXXX  payment is setup for automatic withdrawals every month, and I did have funds in my account to cover this transaction. I called and spoke XXXX on XX/XX/XXXX in which, I explained that that all three transactions were covered and that I should not have been charged an overdraft fee. XXXX stated that I had a balance of {$6.00} when the XXXX XXXX  transaction was made, but that's not true at all ... I had a balance of {$86.00} which left me with a balance of {$24.00} after the XXXX XXXX transaction of {$62.00}. I stated to XXXX that I wanted to file a complaint because Wells Fargo is trying to scheme myself out of money, and they tried to scheme me in the past the very same way. Also, I stated to XXXX that I was going to submit a complaint with CFPB. I was placed on hold and never transferred to someone to file a complaint, and the call abruptly ended. Wells Fargo Bank previously had lawsuits filed against them for breaking laws, and now I'm extremely concerned because I have Direct Deposit setup with them.
Product: Student loan

XXXX told me I was receiving only grants and scholarships, but I found out later that some or all of those funds were loans. 
XXXX offered me a payment plan without telling me that the plan would convert to a loan without accurately disclosing the terms of the payment plan or resulting loan. 
XXXX misrepresented the repayment terms or total cost of loans it provided to me or that were provided to me by a lender recommended by the school. 
XXXX misrepresented the overall cost of my program. 
XXXX misrepresented what costs were or were not included in the published tuition and fees. 
XXXX offered me a full scholarship when admitting me to the school, but then reduced the scholarship amount or failed to renew the scholarship even though I met the requirements of the scholarship, such as by maintaining a certain GPA, enrolling in a particular program, performing required community or volunteer service, or some other criteria that I satisfied.
Product: Credit reporting or other personal consumer reports

Currently account is showing paid as agreed. No payment has been made on my behave I would proof of such payments. this would be incorrect reporting. Last Activity date across Experian, XXXX and XXXX should be the same, another incorrect reporting.
Product: Credit card

On XX/XX/2022 I became aware that I had been a victim of identity theft. Someone had hacked my XXXX account and had purchased american express gift cards on both my blue and gold American express cards. I immediately contacted american express as well as the XXXX XXXX XXXX Crimes Division and then filed police report. 
The Gold removed the charges, the blue card said i had been scammed. The exact same items were purchased on both cards, yet the blue card, refused to remove the charges. I contacted experian regarding the dispute, and they have ruled in American express 's favor, which I think is ridiculous. How could the exact transactions be treated differently?
Product: Debt collection

A company called XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.
Product: Credit reporting or other personal consumer reports

My identity has been exposed in over XXXX data breaches in the last 4 years. I am doing all i can to get my identity back but these companies will not remove these accounts when i dispute them. I have been denied refunds for fraudulant charges ranging in the XXXX of dollars im paying for repair companies to help but im getting no where please help me. with this particular company sunrise credit say i owe money for services i didnt get and cell phones i did not purchase
Product: Debt collection

I have reached out to XXXX, TransUnion and XXXX via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of Education-XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX card service act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXXXXXX , XXXX XXXX and Experian '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Product: Debt collection

On XX/XX/2023 I received an alert through XXXX, that on XXXX XXXX, it was reported that I had an outstanding balance of {$800.00} to Credit Systems, XXXX XXXX XXXX, XXXX, Texas XXXX on my XXXX report. I then proceeded to call Credit Systems, XXXX. I told them I was a victim of Identity theft. The date was XXXX XXXX XXXX XXXX. This was to XXXX XXXX XXXX. The service was provided at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, Texas XXXX. I was a victim of identity theft around the same time last year that this account was opened. They told me to make a report through the FTC.
Product: Mortgage

I was placed on a forbearance relief program as a direct result of COVID-19 by Select Portfolio Servicing ( " SPS '' ) on XX/XX/XXXX. SPS is the mortgage servicer for the lender XXXX XXXX TRUST, MORTGAGE-BACKED NOTES. Upon exiting this forbearance agreement, I was placed into foreclosure on XX/XX/XXXX. SPS delayed my modification application by 5 months routinely rejecting the paperwork I initially submitted on XX/XX/XXXX, and not acknowledging receipt of all required forms received. My appeal for a modification has also been denied for the reason that the servicing agreement between the lender and SPS does not permit home retention options to be provided for my non-federal loan even though they promote home retention options on their website for those affected by COVID. The portion of that servicing agreement is not being disclosed citing it is a proprietary legal agreement. I have been impacted by XXXX where I experienced one of the early cases of the XXXX resulting in being hospitalized and absent from work for a total of 10 months between XXXX affecting my income which caused me to become delinquent. Even though I have been impacted by XXXX, my lender is unwilling to work out a repayment plan through the Connecticut XXXX XXXX so a law date could be set for the transfer of property shortly. SPS is aware I can afford to pay the monthly mortgage payment now that my health has improved and is still uncooperative with offering any home retention solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intuit credit karma keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX  is creditor for them to discuss my report is illegal for intuit credit karma to report this is fraud and infringement of my rights
Product: Debt collection

I have disputed this debt and have asked for the company to provide me with the original debt to date I have not received verification of the debt. Particularly since my son has the same name. Please have them delete this from my credit profile immediately
Product: Credit reporting

I put a dispute countless times XXXX got the same results I am on XXXX XXXX all my expense are paid to in full Have part A B D XXXX have for years XXXX are medical bills on my account that should not be there XXXX they wo n't remove them the crediter is saying they find no accounts under my name with. Outstanding balance Need help
Product: Money transfer, virtual currency, or money service

My paypal has been permanently limited one day without an explanation from paypal, but they told me that the funds on my paypal account can be transferred to my bank account fot withdraw after 180days. Even though Paypal can not do business with me anymore, but I wont have loss if I can get the money out from my account someday, however, I noticed a total amount of $ XXXXUSD was transferred to PAYPAL by paypal on XX/XX/2020 without my authorization and even didnt send me any notification, I wont know it if I dont check my account and the recent activity. I was trying to get help from them, I got nothing but disappointment. Thus, I prefer to I file a report to CFPB to get this issue resolved, the email for my paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account reported on my credit file, which has been inaccurately investigated and verified. This letter serves as a demand for a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a proper and reasonable reinvestigation of disputed information.

Upon my previous dispute, you claimed that this account was verified as accurate. However, under 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation into disputed accounts, and credit reporting agencies must ensure the accuracy of reported information. I hereby request that you provide the following within the legally mandated timeframe : A detailed explanation of the methods used to verify this account and the parties contacted during the verification process.

All records and documents used to verify the legitimacy of this account.

Proof of my consent or authorization for the alleged account, including any signed agreements or identifying details.

The name, address, and contact details of the entity that reported this fraudulent account.

Failure to properly investigate and correct this fraudulent reporting constitutes a violation of my rights under the FCRA. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to pursue legal action for damages resulting from willful or negligent noncompliance, including actual damages, statutory damages, punitive damages, and attorney fees.

If I do not receive a satisfactory response within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will have no choice but to escalate this matter through legal channels, including filing a lawsuit and reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

This letter serves as an official notice of intent to sue should you fail to comply with your legal obligations. I expect a prompt response, including the requested verification details and a resolution to this matter, to avoid further legal actions.

Sincerely,
Product: Money transfer, virtual currency, or money service

XX/XX/year>, {$2400.00} dollars was sent from my account and sent to someone, who at the time was a landlord. I was inquiring about an apartment signed over the lease and everything. I sent the money to the email provided but another one popped up instead. I thought it was a glitch but they said they never received the money but my bank account was in the negatives. I had no clue who it was. I tried to reach out to the person again and again via email. I assumed it was a glitch in the app but I never got my money back or anything, even reaching out to Zelle. I definitely was scammed. I even made a police report but they couldnt do anything! I can provide that as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in TransUnion, XXXX shows XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I use XXXX XXXX for credit monitoring purposes and in XX/XX/2019 I discovered that a collection account was added to my report without my knowledge. I never received notification in the mail that the account was in collections nor was I given the ability to dispute the validity of the debt and I was not given the right to request information to verify the debt. Further, I never received a phone call/voicemail letting me know someone was trying to contact me regarding this account.
Product: Credit reporting

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$4000.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to
seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 payments recorded 30 days late. However I received an extension for a few of them and paid less than 30 days late for a few others. XX/XX/XXXX I made a payment XX/XX/XXXX and another payment and another on XX/XX/XXXX I also received an extension for XX/XX/XXXX. I have XX/XX/XXXX recorded 30 days late and I made a payment XX/XX/XXXX for this. My payment for XX/XX/XXXX was marked 30 days late as well and I made a payment for XXXX on XX/XX/XXXX. For XXXX and XXXX of XXXX I was given an extension to be added at the end of my loan however they still reported 30 days late. XX/XX/XXXX was also reported 30 days late which I made a payment on XX/XX/XXXX for XXXX. XXXX was reported 30 days late a payment was made XX/XX/XXXX. XX/XX/XXXX I missed a payment without realizing and called and spoke the them on their recorded line where they told me it wouldnt be reported since I made the payment. From XXXXXXXX XXXX XXXXXXXX  they recorded 30 day late payments. I know my payments havent been on time but they havent been 30 days late. I got the loan when I was younger and made a few mistakes paying a few days late I now understand credit and am working hard to fix it. This is hindering me from getting an apartment and overall has made my life more stressful. I appreciate the time and concern you guys are taking to look into this. Thank you
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that unauthorized inquiries are still showing up. Please kindly check the documents I've sent regarding this matter.
Product: Mortgage

Called Nationstar mortgage back in XX/XX/XXXX to do a payment plan due to financial situation I was told as long I am on a plan paid on time no problem..Hurricane Irma hit so I called to check on my status the young lady that took my payment charge me a process fee which made my acct negative reversed my payment in XX/XX/XXXX which messed me up. When I called now NSM now Mr. Cooper the customer service rep called my bank which did confirmed I had the exact amount but unfortunately I did not have the additional service fee that was charged that is why I was charged a NSF fee which declined my payment. Mr. Cooper representative stated I was not supposed to be charged the amount the bank due to their error they reversed the amount and took the payment right than there. Since the hurricane they were offering assistance I was told I am eligible since I live in Florida how much can I pay I told her {$500.00} she said we can do it for 6 mo I said up to XX/XX/XXXX would be fine. I called to make my XX/XX/XXXX payment the rep stated you owe XXXX I was astonished I was not told he indicated that the investor can not put any payment behind the loan. I told him you did not say that when I made the payments before well maam I am sorry to informed you that is what the investors are needed at the moment. When you offer a payment plan or some sort this information should have been told to me in the beginning stating that ok you will have to do a lump sum I lost three vehicles during the storm from flooding that is not fair that you are trying to charge this should of been disclosed. He indicated this was a trial policy was not put into place I need this resolved and I was told oh by the way since you did not make payment on time in XX/XX/XXXX you was not eligible for modification program excuse me that was due to your error. I need answers please somethings need to be done.
Product: Debt or credit management

I am a customer of XXXX XXXX inquiring about my refund
Product: Credit reporting or other personal consumer reports

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 I have call them numerous times and I was at the dealership asking them questions about the situation they look at me like I was crazy about all these inquiries
Product: Credit reporting or other personal consumer reports

The following letter was mailed to XXXX on XXXX XX/XX/XXXX, no response has been received and accounts remain on credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to inquire about a discrepancy that I have noticed on my credit report concerning an account with XXXX XXXX. According to my credit report, XXXX XXXX is reporting an account in collections, despite the fact that the account has never been in collections. 

The account in question is under the account XXXX XXXX which was active in XXXX. I closed the account when I changed duty stations and promptly paid the full balance owed. Upon attempting to reactivate my phone, I discovered that XXXX had placed a lock on the device due to a supposed final bill on the account. I immediately visited a XXXX location and settled the outstanding balance as instructed by a XXXX representative. At no point was I informed that the account would be sent to collections, nor did I make any payments to a collection agency. 

It is concerning to me that despite paying the final bill in full and closing the account, it is now showing on my credit report as a closed account in collections for the same month I made the payment. Furthermore, there is only one term with no payment history associated with this account, which does not accurately reflect the situation. 

Therefore, I am formally requesting that this discrepancy be rectified immediately. I kindly ask that XXXX removes the account from all credit bureau reports where this inaccuracy has been reported. I trust that you will take swift action to resolve this matter and prevent any further impact on my credit score. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of this discrepancy at your earliest convenience. 

Sincerely, XXXX XXXXXXXX