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

Wells Fargo emailed me an offer with a specific coupon code to anyone who deposits a certain amount of money, a {$2500.00} bonus after 120 days of the deposit. The first time I applied, I had to beg and call at least XXXX times to several people. They said I did not qualify because I did not bring new money to open the account. But, I had and when I presented them with proof, they finally paid the bonus. 
XXXX months later, they sent me the same bonus offer with a specific code, so I went ahead and opened an account with new money from another institution. I brought the email with the code to the bank. The banker looked at it and said, yes, you do qualify. Then sure enough, after the 120 days of them having my money, they are telling me again that they are not paying me. They said that we already took advantage of this offer less then a year ago. Well, then, why did they send me this bonus offer saying that I qualified? Also, upon looking at the interest they were supposed to be paying, it was wrong. 
In my opinion, Wells Fargo will try to do anything they can to get people to bring new money and then turn around and make up any excuse not to pay. I feel this is a true XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : XXXX XXXX AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX  I,  XXXX   XXXX   XXXX  sent to  XXXX   XXXX  the amount of {$700.00}. Plus the moneygram fee of {$11.00}. The ref # is  XXXX . When  XXXX  had issues receiving the funds. I was notified. I have gone to the location I made the transaction at, as well as call multiple times.  XXXX  has also called many many times as well. I can not get a refund and  XXXX  can not get the money. I can not get any results from moneygram. I am taking the next step. I will also be in contact with the Texas Dept of Banking today also
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off this acount and close it back in 2015 with XXXX balance. But on my credit report, they have reported that Im owning them {$600.00}. I have requested all the transactions to the last transaction before I closed my account, they never provided it to me instead they have sold the debt to a third party and refused to talk to me.
Product: Payday loan, title loan, or personal loan

My complaint is Greensky llc, the company the CFPB issued a consent order against.A failed waterproofing job by XXXX is my connection to Greensky. Installation XXXX, their work and eguipment failed ( sump pump ) XXXX weeks later someone came out, rep could not diagnose problem spent more time on phone with manager than speaking with me and my wife, never heard from again, I stopped making payments, when XXXX stopped working {$1500.00} so far. I never contacted XXXX again, I informed Greensky of situation I assumed they contacted contractor and they made a surprise service call after XXXX weeks, I did not allow them in because all faith loss in XXXX XXXX employees quit during my job including the initial rep that wrote the work order job knowing he had a new job or at least had applied, in a month he had quit company before my installation.Quoting from a class action law suit " Greensky is a rent a bank scheme giving the actual lending power to the contractor ", quoting " never take a loan with them they let the 3rd party business keep the money and you get your credit decimated, the 3rd party keeps the money for doing nothing ''. This is what I just experienced Greensky letting XXXX keep the money in my case for making situation worse. {$3000.00} spent on replacement supplies ( Sheetrock, molding, paint, insulation, labor etc. ) I do not not want my credit decimated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX I am writing to dispute inaccuracies in my credit report regarding the above-referenced account. Upon review, I have identified the following discrepancies between the information provided by Experian and XXXX. These discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported. 

Inaccuracies Identified High Balance Experian reports {$12000.00}. 
XXXX reports {$0.00}. 

Date of Last Activity ( XXXX ) Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Date Reported Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Last Payment Date Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Term Length Experian reports 48 months. 
XXXX does not report a term length ( blank ). 


Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracies Identified Date of Last Activity ( XXXX ) Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Date Reported Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Last Payment Date Experian reports XXXX/XXXX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Legal Justification These inaccuracies demonstrate non-compliance with 15 U.S. Code 1681s2, which requires the furnisher to provide only accurate and verifiable information to credit reporting agencies. The discrepancies between Experian and XXXX make the data unverifiable and misleading.
Product: Credit reporting or other personal consumer reports

I am writing to you today to request this account which I believe appearing to be inaccurate be Immediately investigated and corrected in my credit file. 
XXXXXXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$10000.00}
Product: Mortgage

I have always paid my monthly payments in full to SPS Servicing , Inc. A portion of my monthly payment goes to escrow for property tax and insurance. 

Starting in XXXX and continuing to present date, SPS has continually raised my monthly payment, claiming that my escrow account was in the negative. Although I paid enough to them during the year to cover my annual tax and insurance payments, SPS claims that I owe them thousands of dollars, around {$5000.00}, for money because they " advanced '' on my behalf to pay for taxes and insurance. However, I had paid enough money into my escrow account over the year to cover the annual payment for taxes and insurance. But SPS claims that all the money I paid over the year wasn't put in escrow -- - instead it was used to pay the debt I owe SPS for escrow money they advanced for me. So, in essence none of the money I sent to them went into a escrow account over the year to pay for my taxes. Instead, SPS took that money and kept it. To pay the debt they claim I owe them. 

I have spoken to many customer service reps. Not one of them can explain when this debt was incurred. They just say I owe them the money. All " escrow payments '' I have made have actually gone towards payment of this mysterious debt I owe SPS. When did this debt accrue? Numerous customer service reps can not explain that. They just keep saying I owe them and they are going to get their money back before they actually escrow anything. 

Around XXXX of XXXX, SPS started trying to bill me {$1500.00} per month. They said that would be my new payment for the next year!!!! The portion of my payment that goes principle and interest -- is approximately {$670.00}. So, SPS wanted {$830.00} every month from me for " escrow ''!! I called customer service and every rep told me that this was to pay off my debt to SPS. My taxes and insurance were not projected to increase ... SPS wanted more money to pay of the debt I owed them. 

Because I can not afford this amount, and also because SPS appears to be robbing me, I requested that escrow be removed from my payment. SPS granted my request. I am now escrowing my own money. 

However, I paid SPS {$3300.00} in XXXX, which was supposed to go into escrow. I called SPS and asked them to return this to me so I can afford taxes and insurance. Taxes are due in XXXX, and they will be around {$2200.00}. In XX/XX/XXXX, Insurance is due. It will be around {$5500.00}. 

SPS refuses to return the {$3300.00} I paid them this year for escrow. They say they are keeping that money to pay the debt I owe them. They say I still owe them around {$500.00}. Again, nobody can explain why. 

If I don't get my escrow money back from SPS, I may not be able to afford taxes and insurance. Im a XXXX father. I don't want to lose my home. Please help me!!!. 

XXXX XXXX.
Product: Mortgage

I wish to complain Shellpoint Mortgage & XXXX, XXXX, of Fraud in the servicing of my Home Mortgage product, Loan # : XXXX that I purchased in 1995, located at XXXX XXXX XXXX , XXXX Pa XXXX in XXXX XXXX , Pennsylvania , under the 010 Pa. Code 48.3. And the Federal Laws of the Fraud Enforcement and Recovery Act ( FERA ) enacted in 2009.

I am complaining because major Federal laws were violated by my mortgage servicers under RESPA Violations and Foreclosure ; 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts, and they continue to get away with fraud and financial exploitation. To date, Im still waiting to obtain information of the actions taken by CFPB since federal laws are violated in my case before the services of your good offices. The companies in my case have failed act on their own solution/s you requested from them that they provided CFPB with working solution within the letter of the laws given my case concern/s what I see as a fair remedy that is part of the record.
Product: Bank account or service

My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$86000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

3. 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 XXXX XXXX Account Number : 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a child support case negatively reporting on my credit report. They never provided proof that the children in reference to this account. They never showed proof of DNA or how this alleged debt is even my debt. I have disputed the account with the following company sending certified mail. they failed to send me any proof of how they can determine that this debt is mines. I am demanding it be removed immediately in direct violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2019 I paid off a debt from XXXX XXXX through CCS. After making payment I asked for a receipt and was told I had to wait about 12 days to obtain a receipt offline. I called CCS multiple times and have requested a receipt and it is now XXXX and no receipt of payment has been received. I had one of their representatives walk me through how to get a paid in full document offline and there were issues with their website site missing tabs that were supposed to allow me to print the document I needed to get in order to send to each credit bureau to have the account removed. I have called this company more than 5 times at this point and have been getting the same story and was told by a supervisor that the document I need would be in the mail ( this conversation took place on XX/XX/2019 ). Now I'm still waiting and no one has been any help. My file number is XXXX with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18, XX/XX/18, XX/XX/18, Inaccurate reporting information about I have recently been informed that there is negative information reported by Maryland Federal Court-XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report. 

After contacting the Federal Court Clerk office, I was told that they do not report to credit bureaus. I then challenged them on the accuracy, compliance of where this information came from. I received information back from them stating it was verified and it will be no change. Sent another letter asking for them to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately deleted from the credit file that they maintain under my Social Security number as its violates the Fair Credit Reporting Act.
Product: Debt collection

I was charged a contract termination fee from a wireless company 10+ years ago even though I was no longer under contract with them. This amount was sent to a collection agency. I contacted the wireless carrier and the issue was handled but the collection company continues to send me letters/bills for a {$500.00} balance that is no longer owed. I have told them repeatedly that this is inaccurate and that the debt is not valid. They then send me copies of old cell phone bills showing the amount billed even though it is not accurate. This collection no longer shows on my credit report and they continue to ignore requests for them to stop contacting me, especially since it is well past the statute of limitations in Texas where they can take any further action towards me. Also, the most recent letter shows that the original creditor was the wireless provider and then current creditor as XXXX XXXX XXXX XXXX XXXX but the letter is addressed from Credit Control LLC ... which gives the appearance that they just continue to sell my information.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX and have reported to trasnunion and they have not responded
Product: Debt collection

I have repeatedly requested written information about the debt and made it clear I was willing and able to negotiate the debt if they were able to prove they legitimately owned the debt, ceased to harass me about legal repercussions such as prison, ceased to ask for my social security number over the phone, and ceased to ask for my credit information in email and over the phone. They have never been able to display any kind of legitimacy, and I believe it is a scam, but if it is truly the owner of the debt then their tactics certainly fall under harassment.
Product: Student loan

I have sent 3 letters to the company that is reported on my credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and have not received an response back for either letter sent that they received. The letter has asked for the company to provide the instrument of original indebtedness to validate that the loan being reported is actually mine. I haven't received a response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Checking or savings account

My employer is moving its XXXX XXXX to XXXX from XXXX. There was a form to fill out and a procedure to follow to make this transfer of my funds to the XXXX account happen. I followed the instructions to the letter. I have been waiting to see when this would happen and it has not. Next I get the attached letter from XXXX informing me that I can keep my funds with them. I DO NOT WANT TO KEEP MY FUNDS With XXXX  They are an administrative mess and run their company like a third world government agency. Please assist.