23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a home equity mortgage with Wells Fargo Mortgage in XXXX. I have had this repeated issue whenever I pay my bill past the XXXX of the month, but always before the end of the month. They charge a late fee of {$13.00}. They repeatedly have not applied my late fee and keep saying that I owe it. They are putting the monies toward the principal balance. Today after talking to XXXX XXXX at XXXX about the matter he transferred me to XXXX XXXX at XXXX He said as a courtesy he could apply one late fee amount to the unapplied late fees. They now have me down for two late fees. He said they can not do that without further research. I said if brought in my receipts ( because I pay them at the bank due to other issues I 've had with them in the past that I reported when they said they did not receipt payment by mail or online ). He said that actually it is to my benefit to have the late fee go towards the principal because it will reduce the interest. I explained to him I have already paid off a mortgage on this home early and I am aware of how mortgage amortization works. I have also dealt with shady mortgage companies who tried this same trick of saying one was behind due to not applying late fees. I 've owned my home since I was in my XXXX 's in the XXXX 's so you can imagine that I 've seen the patterns before living in a city where predatory lending virtually began. 
So, I am going in to the bank with my payment receipts from the last few months to attempt to rectify this matter today. XXXX XXXX gave me his direct number and fax line. Hopefully this can be taken care of. 
I am complaining because this has been a continuous problem this year. My last calls in the spring rectified the problem at that time. Now just a couple of months later they are doing the same thing. I am sure if this is happening to me it might be happening to others. I trust you will investigate this Wells Fargo practice that I believe violates the Fair Debt Collection Act.
Product: Credit card or prepaid card

American Express has continuously posted fraudulent charges on my credit card account, which I have disputed month after month. Currently, there are 3 fraudulent charges posted to my American Express credit card account. 

The first charge is a repeated fraudulent charge of {$99.00} from an American Express sponsored subscription ( XXXX XXXX XXXX ) posted to my account on XX/XX/2020. In XX/XX/2020, American Express initially refused to remove a {$99.00} charge from my credit card account, which was posted for the American Express sponsored subscription ( XXXX XXXX XXXX ). However, American Express removed the {$99.00} sponsored subscription charge after I filed a complaint with the BXXXX XXXX XXXX. On the other hand, American Express has refused to remove the current and repeated American Express sponsored subscription ( XXXX XXXX XXXX ) fraudulent charge of {$99.00} from my account on XX/XX/2020 per a telephone call with XXXX at American Express . 

The second charge is a repeated fraudulent charge of {$130.00} from XXXX XXXX posted to my account on XX/XX/2020 and XX/XX/2020. 

The third charge fraudulent charge is an internal American Express charge of {$28.00} ( probably late charges for non-payment ) posted to my account on XX/XX/2020, which is the payment due date for the American Express fraudulent charges. Further, I have not paid American Express for any of the fraudulent charges. 

Further, on XX/XX/2020, I mailed certified letters to American Express XXXX XXXX, TX and XXXX XXXX XXXX, Utah offices regarding the removal of the fraudulent charges from my credit card account, but have not received the return receipts or any other response from American Express as of XX/XX/2020. Lastly, I believe American Express is targeting senior citizens, like myself, in attempt to collect fraudulent charges to increase the company 's revenue. 
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Product: Money transfer, virtual currency, or money service

I made a XXXX purchase on CashApp and tried to make a transfer of the XXXX to another XXXX wallet that I own. Cash app did not make the transfer. They did not notify me the transfer failed. After waiting hours for a customer service response, Cash App refuses to tell me why the transaction was declined other than pointing me to a lengthy and general terms of service document. Their suggested resolution was to transfer the XXXX to another wallet, which is what I was trying to do in the first place. 

They are collecting fees on these accounts and making it very difficult to transfer funds.
Product: Debt collection

My name and Ss used to open in line account with XXXX. Now Midlands credit mgmt trying to collect. I owe nothing, impersonator lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've resided in XXXX XXXX since XX/XX/2018. In XXXX is following report # XXXX I've spoken with a representative. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I submitted a dispute with Experian, and they investigated, as is my right under FCRA rules, on XX/XX/XXXX, I requested information on the investigation itself : Please see attached letter from me to Experian for details. They ignored my request. So on XX/XX/XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and I credit and social security was used for them years and I don't recognize any transactions from those years I was in prison
Product: Credit reporting, credit repair services, or other personal consumer reports

ccordance 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 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 Stat7es : 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 or other personal consumer reports

I formally requested Tranunion, XXXX, and XXXX to investigate an fraudulent account on my credit report, after providing them with my personal information including ID and social they forwarded/ sold all my documents to the party in question. Waited more than 30 days to respond then emailed me saying the investigation was complete without providing any valid evidence or proof of their claims. I am a victim of identity theft and fraud
Product: Debt collection

The eye glass company was told to not complete my order, but they did anyway, and are now trying to collect even though we never received the glasses. Now the loan company the store does business with is contacting me all of the time and harassing me.
Product: Vehicle loan or lease

As a result of the repossession of my XXXX XXXX XXXX the first week of XXXX, I no longer have title to my car. I fulfilled all demands of Ally Financial, INC and recovered my car by XXXX XXXX XXXX 
Last Saturday, when I attempted to sell my XXXX XXXX at XXXX, I was informed it would be impossible to complete the transaction as my title was invalid. Ally had modified the title, making, Ally Financial, the owner in XXXX, Michigan. 
When I called Ally on XX/XX/XXXX about getting that the title corrected, I was informed it would take 3 to 4 weeks for them to send me the documents necessary to correct your mistake ( and these documents could not be emailed or faxed ). 
In the meantime, I can not sell the car. 
Strange that Ally was able the change on XX/XX/XXXX, one day after I paid the amount past due ( XXXX XXXX XXXX ) and met all the demands of Ally regarding the repo. 
Evidently, Ally 's departments do not communicate or check to see if such actions are accurate, prudent or appropriate, let alone ethical or legal, I was never informed of the change of ownership on this title. 
Also, there were personal items removed from the vehicle and I have sent numerous emails about this to XXXX over the past month with no response. 
I do not understand 1 ) how someone can make changes to a motor vehicle without due process of the law, and 2 ) when they do modify the title ( after the loan/lien has been reinstated ), they are unable/unwilling to correct their error in a timely/expeditious manner. 
Thank you for any assistance you may provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently notice an account on my credit report that do not belong to me. I filed a FTC report and mailed it certified mail to Equifax more than 30 business days ago. Equifax has no verified the account and still has not removed the account. According to the FCRA reporting agencies must verify all information before reporting to a consumer credit report. 

Account Name Account Number XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

XXXX was sent to me. But only XXXX was ordered online vie XXXX in XXXX XXXX. Also my wife was present doing the ordering of XXXX XXXX. SunTrust credit card XXXX reimbursement the XXXX credit my account ending in XXXX XXXX XXXX. But in XXXX XXXX XXXX they had XXXX debited my account XXXX. Stating that information sent to me via XXXX concerns XXXX Questions XXXX XXXX XXXX S/T credit card letter was not sent in time before XXXX/XXXX/XXXX. That 's a lie it was sent at a Suntrust bank branch office in XXXX GA. XXXX/XXXX/XXXX at XXXX pm XXXX pages status OK. Fax number XXXX XXXX XXXX in XXXX FL. XXXX.
Product: Credit card or prepaid card

Hello, I made a purchase with Home Depot for Fencing material. When I made the purchase there was a promotion for 6 months zero financing. It took me over 4 months to receive all the material for the fencing. I spoke to the representative at the store and they informed me it would not be a problem with them extending the special. Well, I have found out that is not the case and they are not able to extend the financing special another six months as promised. Additionally, the initial order was canceled because they were unable to fulfil. They credited my account all fees but the XXXX delivery fee. I have been fighting since XXXX of last year for my refund
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach and identity theft, the following unauthorized accounts and inquiries have been added to my credit report without my consent. 
Accounts to Be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$330.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$630.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$560.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. INSURANCE SELFREPORTED Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Inquiries to Be Blocked and Deleted : XXXX. SCREENING REPORTS XXXX Date : XX/XX/XXXX XXXX. COMENITYCAPITAL/IKEAVC Date : XX/XX/XXXX XXXX. CBNA Date : XX/XX/XXXX XXXX. REGIONALAC Date : XX/XX/XXXX XXXX. XXXX NIS Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXate : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. RXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX P Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXate : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

While trying to by gas the gas pump asked to authorize {$170.00} before starting to pump. The request was denied and another card was used. The incident was reported to Goldman Sachs credit card unit and they put a lock on my card. So, for the past 10 days Ive been asking them via XXXX or XXXX phone calls to turn the card back on and they agree it should be turned back on but, their back office is not unfreezing the card and will not respond to my requests. It seems that Goldman Sachs back office doesnt respond to their own Customer Service dept requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired from Equifax, I noticed an unauthorized inquiry made by your company XXXX XXXX on XXXX, and XXXX are on XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting or other personal consumer reports

I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. Accounta name : XXXX Account number : XXXX
Product: Debt collection

The company is calling my office and leaving messages on another coworkers phone about my debt with the company. I have spoken to the company and have EXPLICITLY EXPLAINED that this was my place of work and that the number on file was not my number. I even gave them my phone number. They are continuing to call my job.
Product: Checking or savings account

On Friday, XXXX I attempted to withdraw {$1000.00} from Direct Express card to deposit {$500.00} in Comerica account. I was advised unprofessionally by XXXX XXXX who stated she was the bank manager & consistently refused to give me the name of who she reported to. I kept asking & insisting & she finally gave me a name. She said I could not use the indoor banking service, which is always poorly handled having to wait extended periods of time always, because the spelling of my name didn't match. I advised her to check my records upon opening the account & she said it was incorrectly done. I showed her my records from last month from this location, XXXX XXXX XXXX, XXXX, TX without a problem mentioned. She said she decided not to mention anything out of courteousy but I needed to change the " government issued '' spelling to match my other cards. I told her my Texas Driver 's license was a state issued ID but my government issued social security card matched my social security ID information. She insisted that was not sufficient for her & I would not be allowed to handle my banking business except for going outside & drive to the ATM machine. I told her I needed {$1000.00} & she said it could be done at the ATM. The maximum at the ATM was {$800.00} which she didn't specify. I made a second attempt for the {$200.00} & did receive it then. On Sunday, XXXX I went to the location in XXXX to deposit {$250.00}. I withdrew {$500.00} from the ATM using the direct express card & attempted upwards of 5 times, using the same cash from the ATM just received to deposit using the Comerica debit card. The error message stated the cash could not be accepted. My immediate thought was XXXX XXXX had a flag placed on my account to not receive my deposits or transactions.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and permanent deletion of fraudulent accounts and inquiries on my credit report that were a result of a recent data breach, which has compromised my personal information. I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a victim of identity theft to have these unauthorized items removed from my credit file. 
Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$950.00} 2. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} Inquiries to Be Blocked and Deleted : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022. XXXX has dropped my credit score from XXXX to XXXX. A bill was removed from the said credit report with XXXX. I should have gained points not lost points and they are repeatedly doing this. A bill is removed and they are dropping the score every other month by XXXX points instead of my score being at XXXX by now. I dispute it they removed the bill and dropped my credit score. Equifax has my balance at XXXX is XXXX plus XXXX. Balances need to be fixed. XXXX was removed from credit bureau XXXX and not from Equifax also. So it's on Equifax but removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX : Account # XXXX, XXXX XXXXXXXX : Account # XXXX, DEPT OF EDXXXX : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX  XXXX Bankruptcy : Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have requested that Wells Fargocite the exact Federal law ( s ) Wells Fargo is required to adhereto during the foreclosure process in the state of Texas. 
Wells Fargo has failed to cite all the exact Federal Law ( s ) Wells Fargo is requiredto adhere to during theforeclosureprocess in the State of Texas. 

Here is my request : # 1 Wells Fargo has stated they follow Federal law, including the Fair Debt Collections Practice Act. However, they have not cited any other Federal Law ( s ) they are required to adhere to during the foreclosure process in the State of Texas. Other thanthe Fair Debt Collections Practice Act, pleasecite any other Federal Law ( s ) Wells Fargo is required to adhere to during the foreclosure process in the State of Texas. 

# XXXX If there are no other Federal Law ( s ) Wells Fargo is required to adhere to during the foreclosure process in the XXXX XXXX XXXX XXXXXXXX the Fair Debt Collections Practice Act, please advise.
Product: Money transfer, virtual currency, or money service

I tried to use my Venmo account and found out it was frozen. I contacted Venmo customer support and they said my account was frozen so they could verify my identity. 

They then stated that I would need to send a photo of my government ID with no information redacted and a selfie of me holding my ID. They said to make sure it wasn't a photo copy but an actual photo. 
When I told them that I was worried about identity theft and didn't want to share my government ID that stated that was the only way to unfreeze my account. 

I asked them why they couldn't use my phone number, address or email ( or a combination } to verify my identity. Instead of answering they just stated that without I photo ID my account would stay frozen. 

I then asked about the funds I had in my account and they said they were frozen also until I produced a photo ID. 

The bottom line is that without risking ID theft my account is frozen and I can't get my funds back. The amount of funds is about {$69.00}.