23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit card acct # : XXXX account balance : {$2700.00} XXXX credit card acct # : XXXX account balance : {$1900.00} 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. 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 a 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: Mortgage

Went to a Wells Fargo Branch to apply for a HELOC. The Loan Officer asked me some questions regarding the amount I owed on my home and how much I thought it was worth. I responded the best I could with XXXX amounts. The Loan Officer ( XXXX XXXX from the XXXX XXXX informed me that I would not qualify for a HELOC as my Loan to Value ratio was too high based on the estimates I provided ( Wells Fargo HELOC caps at 85 % LTV ). He quickly offered another product ( non-collateralized personal loan ) for which he did take a complete application. Ultimately I was declined based on my Credit Bureau score being out of range for the product. I subsequently went to another bank, where I made the exact same request for a HELOC. The Loan officer there immediately began the process of taking an application for the HELOC, which incidentally I was conditionally approved. I am not sure how Wells Fargo knew that I would n't qualify without taking an application for a HELOC, but decided to take the application for the personal line of credit. I did some investigation and found that under the Equal Credit Opportunity Act ( Regulation B ) that the answer I received from XXXX XXXX regarding a HELOC would constitute a Declination without an application. Additionally, moving me to the personal Line of credit without taking an application for the HELOC would constitute steering, which is prohibited. It is also my understanding that these actions would be a violation of the Federal Fair Housing Act ( Title XXXX of the Civil Rights act of 1968 ). I am an XXXX XXXX Female, and feel based on the actions presented that Wells Fargo is in violation of both ECOA and FHA based on discrimination based on race and gender.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX for {$390.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, Transunion, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Mortgage

Every month I make 2 payments towards my mortgage. Suntrust mortgage holds the payments until I call and advise them that I've made the full payment. They charge me a late fee and they have heavy handed collection agents harass me every month. I have advised multiple times to multiple agents of my payment pattern to no avail. I I feel I'm being harassed by the collection agents for a debt I've paid. The representative who are on a call system told me they NEVER REVIEW CUSTOMER ACCOUNTS BEFORE THEY SPEAK TO YOU. That's monthly harassment. 
I have made the full and most times more than the minimum monthly amount, why the malicious collection calls? 
I received multiple collection calls in the same day which I believe is against the law if I've made payment. 
Once I advise the the ignorant annoyed disrespectful representative it can take multiple business days to be adjusted. Why am I being punished? 
The banks bi-weekly payment plan is cost prohibited. I'm unable to make 2 full payments in one month. 
Please assist me on stopping this collection harassment and total disrespect that Suntrust Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect reporting of my name by XXXX XXXX and Equifax credit reporting agencies has cause me alot of hurt and pain even though i have provided both agencies with copies of birth certificate, social security card, and utility bill, also my check stub, and the two agencies listed above continue to report incorrect information in my file such as. 
XXXX. XXXX XXXX reporting ( XXXX XXXX XXXX XXXX ) which is WRONG. the correct spelling of my name is ( XXXX XXXX ) which is correctly. 
XXXX. Equifax reporting ( XXXX XXXX XXXX ) which is WRONG the correct spelling is ( XXXX XXXX ) XXXX. I ONLY NEED MY CORRECT ADDRESS XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo fraud department contacted the consumer at approximately XXXX XXXX on XX/XX/2023 and notified him/her of a transfer of money from his/her checking account to his/her savings account and an electronic wire transfer in the amount of {$25000.00} from his/her savings account. The consumer confirmed with the representative that this activity was fraudulent and not initiated by him/her. He/she was instructed to login into his/her Wells Fargo account and walked through a series of steps that was supposed to cancel the pending wire transfer. At this time, the representative stated a fraud claim was being initiated and the username and password to his/her online banking was changed. During the course of this conversation, the consumer confirmed the phone number was the Wells Fargo XXXXraud department number. The representatives stated that the money would be returned to the consumer 's account by the next day, Saturday XX/XX/2023. 

Later that afternoon, the consumer attempted to login to his/her online banking account but was locked out. He/she then contacted the Wells Fargo fraud department at approximately XXXXXXXX XXXX. At this time, the representative did not have any history of a fraud claim being initiated earlier in the day. A new fraud claim was begun for the online money transfer and wire transfer which had been posted. His/her username and password to his/her online banking were once again changed, his/her checking and savings accounts shut down, and two credit cards were turned off as it was obvious his/her online account had been hacked. New accounts were opened and new cards issued. He/she was told at this time that the fraud department would be investigating the fraudulent activity. 

As of Tuesday XX/XX/2023, after speaking with an Executive Case Manager assigned to this fraud claim, the consumer was informed that the initial phone call was from a spoofed phone number posing as the Wells Fargo fraud department. The initial phone call was actually made by scammers and during the phone call they had actually instructed the consumer in completing the wire transfer. 

On XX/XX/2023, the consumer received a letter in the mail from Wells Fargo post marked XX/XX/2023 stating that the fraud claim had been closed and the investigation determined that the wire transfer was not fraudulent because it was initiated from the consumer 's online account. The letter claimed that the consumer must have either initiated the transfer him/herself or shared his/her login, and therefore the fraud was essentially the consumer 's fault. 

Wells Fargo is refusing to consider the wire transfer fraudulent despite admitting that this is a scam. The consumer has now had {$25000.00} stolen from their account that Wells Fargo is refusing to reimburse. Well 's Fargo online banking system is insecure and allowed this to occur, yet is not being held responsible and instead the consumer is being held responsible for the fraudulent activity that occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : Equifax XXXX and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax and XXXX. I have no financial obligation with your company please delete this information from all credit reports.

5. Account Name : XXXX XXXX LP Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax and XXXX have done, for thsi account is and never has been mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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. 
XXXXXXXX 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 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 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: Student loan

Private student loan with Sallie Mae, the amount of payments are the same amount of my Che k. My mother and I have talked with a man by the name of XXXX XXXX XXXX XXXX XXXX XXXX. My parents are co-signers and retired he is trying to make them pay what my check wo n't cover. I am working and can not the amount of XXXX month after car insurance phone medicine and living expenses. He is very nasty I am paying on my student loans but not original amount XXXX a month XXXX XXXX said they do n't work with lowering payments and payment plans. I just want to pay what my little job afford me to pay. He did not put down living expenses of anything else, how can the XXXX sit by and let these cold hearted stay in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to verify the documents used to publish these account to my credit report. The FCA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.
Product: Money transfer, virtual currency, or money service

Company : PayPal Service : Paypal Reference : XXXX Date Raised : XXXX XX/XX/2023 at XXXX : XXXX When it happened : XX/XX/2023 Where it happened : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX, XXXX What XXXX XXXX XXXX Happened : HII I REVIECED AN WRONG PRODUCT FROM PAYPAL SELLER NOW THAT SELLER DID NOT GIVE ME THAT PRODUCT NOT EVEN GIVING MY REFUND {$50.00} I RAISED CASE ON PAYPAL AGAINST THAT SELELR PAYPAL IS SAVING HIM BZ THEY WILL HAVE TO GIVE THAT PAYPAL BACK paypal saying i can not do anything helping fraud seller What I want : i want my refund back and punish that seller and i want from PayPal write down sorry letter and to fraud with me This is how they responded : in paypal chat inbox I have decided to escalate my case to you because : The company didn't uphold my complaint paypal helping fraud seller one of that did with me also i do not want to repeat that again i did raised case over there i showed the evidence i have what i order what he give paypal decline my evidence say we do not allow that but seller show same evidence evidence they validated that not mine helping fruad seller Yours sincerely, XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Compensation XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX this amount is going to remember to help the fraud seller again bz paypal really wasted my time and helping fraud seller User account email XXXX XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX
Product: Debt collection

I have told them this account was not opened by me and to send me all information on this account. Haven't received anything from them. 
Jefferson Capital System {$2200.00} account Number XXXX
Product: Mortgage

I was laid off from my job on XXXX XXXX. XXXX. I sent a complete workout package to Chase Mortgage and received the incorrect workout option based on Huds guidelines. I have an FHA loan. According to the HUD guide page 613, if one or more borrowers is unemployed then the borrower should be considered for the unemployment forbearance. My husband is employed but since my loss of income, we are not able to pay the mortgage Our gross income is XXXX and net income is XXXX. Our monthly expenses is {$7800.00}. Since there 's been a verifiable loss of income then, we should be receiving a Special Forbearance. This option was not offered simply because my husband works but 2 incomes are needed to sustain the payment.
Product: Mortgage

I was NOT given a 30 day Notice of Service Transfer. I still to date today XXXX XXXX have not received a Notice of Service Transfer. On XX/XX/XXXX we closed on our first and only home with a FHA loan. There were several issues less than 90 days after move in. On XXXX XXXX, I received a letter stating I was delinquent, but my mortgage payment and late fee were added and excepted by Cardinal Financial on XXXX. There has never been a missed or late payment from XXXX XXXX XXXX XXXX until XX/XX/XXXX. Again, the late fee was added with mortgage and excepted on XXXX. After that I received mortgage increases each month. 
Then on XXXX XXXX  I called in to Cardinal XXXX and ask for help with my account because I had lost clients to Death or their family or legal representative moved the client to Hospice ; and I need help with a 36-month ESCROW ACCOUNT spread. I have reached out via phone and email to Cardinal asking for clarity. I have received Foreclosure Notices, generic letters, but no resolve. I applied to Texas Homeowner Assistance Fund and Cardinal requested {$11000.00} from XXXX for 50 days delinquency. Cardinal has not been forth coming with requested information I formally requested proof of my account and still no resolve and it has been since XXXX XXXX of Formal Letters from me sent to Cardinal. Now today, the company has BLOCKED me via email, and phone. I had to use another email address to get the Formal Letter sent back to Cardinal.
Product: Checking or savings account

On or about XX/XX/year>, I opened a checking account, online, with Truist. They were offering a {$400.00} bonus, terms and conditions applied. I Used my XXXX account to initially fund the account and immediately requested my employer to deposit {$500.00} each paycheck into the new Truist account through ACH deposit. The account was set up online, I received confirmation and logged onto the account with the phone app. I checked the account throughout the weekend to confirm funding. Funding never happened. On Tuesday, XX/XX/year>, Monday was a banking holiday, I logged on to find I was blocked. I went downstairs to the bank in person to find out what was going on. I was told they would not be able to help me because XXXX XXXX XXXX flagged my account and Truist made the decision to close my account. I contacted XXXX XXXX XXXX to obtain a report. In the meantime, I contacted a Truist customer service number and spoke to several departments finally speaking with XXXX XXXX. XXXX XXXX told me once I received the report from XXXX XXXX XXXX, she would have a department review it and I could dispute whatever might have been reported as derogatory. XXXX XXXX told me that another financial institute had reported something bad on me. XXXX XXXX then went on vacation and did not call me back. Next I spoke with XXXX XXXX. I told him to review it because I has nothing derogatory on it at all. I also told him I contacted XXXX and pulled my report that also had nothing derogatory on it. I sent the report received to him explaining what happened and he said he would place it with a department to review and would get back with me. He never did. Then I received a standard pad letter like the one I received before saying nothing specific but that Truist declined to open an account. It then took more than a month to receive my {$50.00} initial finding Money and {$500.00} ACH deposit back. With XXXX interest. I have XXXX reports now that have XXXX derogatory remarks but now have a checking account that was closed by the bank withth no explanation. I believe this was very discriminatory and I would like answers. I have XXXX trust in the financial services industry now that I know that XXXX XXXX XXXX is owned by XXXX of the largest banks in the US including, Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute Both XXXX  and XXXX complied with FTC and blocked fraudulent items previously erroneously confirmed as validated by creditors. Experian states that it is their new internal policy to ignore disputes once a company has validated a fraudulent account one time. They refuse to reinvestigate and cancel all disputes submitted without permission. I have uploaded my latest FTC report and letter which was submitted to them XX/XX/XXXX. The law requires that they block the accounts listed as there is no reasonable assessment that would allow the fraudulent items to remain when they were all blocked for the second time by both XXXX  and XXXX. Experian received the same documents in the dispute letter I wrote to them as it credit bureau counterparts.