23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed several complaints concerning this issue with Wells Fargo. In XXXX they were cross selling unwanted and unneeded insurance policies. Even after they were supplied with all the information and documents needed to prove that they were not allowed to force sell these products, they reapportioned my mortgage payments to these products and attempted to foreclose. I hired an attorney, Mr. XXXX, and we sued Wells Fargo. After many years, Wells Fargo settled with a check of {$15000.00} and a promise to clean up my mortgage account by removing their reapportioned payments, fines, and fees, etc. 

After paying the {$15000.00} and agreeing to clean up my account, Wells Fargo proceeded to ignore cleaning up my account, even after my attorney graciously gave them every opportunity to do so, before he filed for a breach of contract, a year later. It has been another 2 years or more since the settlement. Wells Fargo has agreed that they did not clean up the account, and that they have been in breach of our contract for more than 2 years, but they have arrogantly ignored the breach of contract suit. 
Wells Fargo has kept my husband and me in financial limbo since XXXX! We can not refinance higher interest mortgages, we can not finance a commercial interest we started in XXXX, and indeed they have handicapped my ability to pay my student loans. 
Please demand that Wells Fargo settle their breach of contract debt and clean up my account, so that I have the financial choices that I should have with a XXXX+ credit score. 
Additionally, I am also a XXXX XXXX with XXXX hives. In the winter, when flowers are not easily found, bees often start robbing each other. I took some powdered sugar and blew it over the entrance of one hive that was being robbed out. Then I watched for the hives to where all the bees with stolen honey returned, each blanketed in powdered sugar. ALL OF THE ROBBER BEES RETURNED TO THE LARGEST HIVE! I shared this story with other XXXX 's and learned that it is common, because only the largest hive can afford the loss of bees, that robbing generates. An entire beeyard can be utterly decimated by this robbing behavior. There is only one thing that will fix it. The big hive must be broken up into smaller hives. I hope you can gleen some banking wisdom from this story. 

Wells Fargo must settle their breach of contract with me, and force them clean up my account at the same time. 

Wells Fargo must be broken into smaller banks so that others are protected from their robbing practices.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge about them, and the company proceeded without my consent.
Product: Credit reporting or other personal consumer reports

My account with KIKOFF was never late! I have had exceptional payment history with KIKOFF and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardships to my reputation, my character, my mode of living and to my family! I demand the late payment reported on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX to be removed. KIKOFF is also not in compliance with the following law 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. KIKOFF Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports. Late payments reporting without proof in the form of a bank statement is hearsay and needs to be removed. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This proof when I paid on time. Anything other then documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. Once again I did not pay late for the month of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) Delete this from my credit report and update paid on time never late removing the data from the payment history as well unless you can prove with a bank statement coming directly from Kickoff. The creditor KIKOFFfailure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Debt collection

After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT**** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT**** )
Product: Credit card

In a recent review of my Lowes statements I have discovered that every month my entire payment is being put on my deferred interest balance that I took out in XXXX of XXXX with XXXX months deferred interest. I can only go back as far as XX/XX/XXXX because that is all thats available online, but the only time any money is put towards my general balance is if I return something. The entire amount I return is applied to my general revolving balance of things Ive charged each month. Lowes gives a 5 % discount for using their card so when I purchase something there I always use my card. However, none of my payment is put towards this balance, not even months that I do not return anything. That balance keeps growing and I am charged interest monthly. 

I thought I was paying these new charges off every month. Each month I pay XXXX XXXXXXXX, way over the minimum payment. I thought I was first paying the minimum balance, next my new monthly charges with the higher interest rate, and lastly anything left over was going towards my deferred interest balance which is XXXX XXXX until it expires XXXX  months after my charge. However, that is not the case. I have notified Lowes of this and the people on the phone can only correct anything within the last 60 days. They said they have sent my account to be reviewed.

I am filing this complaint because I think you should investigate to see if all Lowes credit card customers with a deferred balance are being treated this way. It is my understanding that they can do this ( apply payment towards the deferred interest balance before applying it to balances with a higher interest rate ) ONLY the last XXXX  months before a deferred interest balance becomes due. I have paid interest for an entire year that I should not have. If this is Lowes common practice then they are making a lot of money and charging a lot of people interest that Lowes is not entitled to. Please let me know if I have misunderstood the law. Thank you.
Product: Mortgage

On XX/XX/2019 I refinanced the mortgage I had with Wells Fargo, acct # XXXX. The money to payoff the loan was a wire transfer from another financial institution. At the time there was an Escrow balance of {$6500.00}. As of XX/XX/2019 I have not been refunded my funds. I have emailed the company several times buy have not received a satisfactory response. Is there a legal time frame for them to refund my money?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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, credit repair services, or other personal consumer reports

I submitted a dispute back in may of this year. My US BKPT CT TN XXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.
Product: Credit reporting or other personal consumer reports

My loan accounts are shown as closed, but I have a balance of {$53.00} total. XXXX loans are still open with XXXX and they have not reported the correct information to Equifax.
Product: Checking or savings account

On XX/XX/year>, my refund from IRS was electronically deposited into my Chase Bank acct. unfortunately it had the wrong acct number. So, it went to someone else acct. not mine. Chase acknowledges the error. I put a claim twice and it was denied. Also put claim to ACH also denied. The error was caused by my TAX Preparer. He said it was a computer error, and he can not correct it. Chase accepted the deposit because it was a valid account. The coincidence is that error belongs to a person with the same last name as me. Again, the Tax prep denied knowing the person. IRS will not do anything beause the check came from U. S, Treasury Dept. I contacted an IRS Advocate who issue a 150.01 form to Chase Bank. they refuse to fill out and they will not supply the name of the person who accepted the check due to privacy law. I'm so frustrated trying to resolve this issue. It's a Federal Fraud violation for this person to accept a government check. Please help me to resolve this error. The amount of the check was {$4700.00} My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The person who accepted check lives in New York.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy on my credit report and I sent in supporting documentation from the XXXX bankruptcy court which showed that Experian is reporting inaccurate information. I contacted Experian requesting them to delete the inaccurate information but I was informed that they would open a dispute which was opened XX/XX/2020. The dispute was then marked as complete as of today but the inaccurate information is still present on my file. 

I am now requesting additional assistance from the FTC. I am requesting that someone from the FTC steps in and contacts Experian to have them to remove the inaccurate information from my file. I will also be uploading additional information here pertaining to the inaccurate information provided to me from the XXXX bankruptcy court.
Product: Payday loan, title loan, or personal loan

A loan agreement was signed on XX/XX/2022, with the help of the contractor XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to finance home repairs. The money was dispersed on XX/XX/2022. XXXX quit and threatened to sue on XX/XX/2022 after repeated request for a complete bill, a completion date, all paperwork that pertains to my home, such as inspection reports. a stipulation for contractors in the Mosaic program is that the work be completed and done correctly. Not only is work not completed on the home, there is substantial damage. Proof of damage and a settlement agreement offered after both XXXX and XXXX XXXX did a walk through to see the damage. Each complaint sent to Mosaic ends with the installer said that they had proof that the work was completed, but was unable to provide me that proof, and a later reply that the installer would finish the work. The last call I had with XXXX was on XX/XX/2022. As we were on the call, XXXX began to give a run down on how the project order was supposed to happen ; I cut him off when he said an engineering approved reminding him that there was no engineering done at my house, and he hung up. This information was presented to Mosaic, and the still sided with the contractor. Some of the remedies from Mosaic if the work is not complete or is not up to par is to require the participant ( XXXX XXXX ) to refund the money, cancel the loan agreement. Mosaic has continued to pass my complaint from person to person ; XXXX to XXXX to XXXX to XXXX. Was told by XXXX, XXXX and XXXX that an investigation was happening and that if they continued to not receive contact with the installer, they would send someone to XXXX XXXXXXXX XXXX and to my house to find out what's wrong. While the case was under XXXX, XXXX closed it and I had it reopened. I have not been able to get any compliance worker on the phone for the past two weeks. Lastly, a payment was returned from Mosaic saying they can't find account, but I received a payment received letter. I believe they are intentionally not working with me and are trying to put a lein on my house.
Product: Money transfer, virtual currency, or money service

I accidentally used the wrong wire information for an outgoing wire for {$5900.00} FROM Coinbase TO my XXXX account. Sent on XX/XX/XXXX, reference number XXXX Please pull back that wire. I tried asking Coinbase several times already. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
Experian : XXXX XXXX XXXX opened XXXX XXXX outstanding balance {$4900.00} XXXX : XXXX XXXX XXXX XXXX opened XX/XX/XXXX outstanding balance : {$8300.00} Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately.
Product: Checking or savings account

In XXXX of 2021 I received a letter with a debit card attached to it from Netspends. I had been using netspend prepaid because it was better than using regular bank accounts due to the real overdraft protections of not being allowed to overdraft if your account doesnt have enough funds. But the new debit card I recieved was different. It was netspend all access which is treated more like a real bank account than the prepaid netspend. I noticed that when I didnt have enough funds I was allowed to go over the amount in the account and I was charged an overdraft fee. I thought I must have accepted this condition upon activating my card. Ok so I called Netspends to ask them to take off this overdraft protection because it doesnt protect me it only messes me up. Some charges are for as little as XXXX XXXX and there is a XXXX $ Fee. So they turned it off but then they started bombarding me with emails asking me to opt in again which I did because it was covid and I needed to at the time against my own best interest. It is an abusive practice to target an individual with low income into a high fee condition that they will always fall into, like a trap. Even though I would get frequent deposits they would fall out of the 24 hour time frame. I only made XXXX $ in income in 2021 and netspend took XXXX $ In overdraft fees from me. I covered all my charges with my own money the XXXX $ all went to the bank. I wish they never sent me this netspend all access the abuses they inflicted on my are the reason why I stopped using regular banks in the first place. This would have never happened if it was not allowed and they stopped offering that to me.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following student loans from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I understand that under the Family Educational Rights and Privacy Act ( FERPA ), student education records are protected and should not impact my credit history. According to 34 CFR Part 99, Subpart B, students have the right to inspect and review their education records. However, the presence of student loan information on my credit report violates this right and can negatively affect my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Certified Mail and have receipts as well as Called Experian a number of times. They are trained to send you in circles when you have a problem. All I need is to have this incorrect information removed from my credit report. Why is our credit in the hands of a company that can not give you any answers?
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : 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 : XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report.

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, XXXX XXXX