23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I did accept a transfer service that was offered to me by Wells Fargo, and I did a transfer of {$120.00} to XXXX XXXX XXXX XXXX XXXX XXXX, that money was taken from my account on XXXX/XXXX/2015. 
The bank tellers said that the money will be ready for withdraw the same day, but In the transfer documents they gave a longer period which was up to XXXX/XXXX/2015. 
The receiver went to the bank last week on Monday, and return again on XXXX/XXXX/2015, but the bank in XXXX said there was nothing to be withdrawn. 
I contacted the bank by message, I went XXXX to speak to representatives, the last representative put me on the phone with customer service in charge of the transfer and they said that they could not contact the bank in XXXX. 
I told them to return the money to my account immediately so that I could go a send the money by another agency, but they told me that it takes XXXX days to have the money back in my account. 
This is intolerant and is causing too much problem, XXXX they are lying in the service they said they give and XXXX, if the XXXX bank does not have the money why Wells Fargo has to take XXXX days to give me my money back. I made a transfer trusting that the receiver will be able to withdraw funds last week and this is taking XXXX weeks already. This bad services is causing me lose of time, money and is causing damage since the receiver needed it last week.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the XXXX. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach, and I am writing to request the immediate blocking and deletion of the fraudulent account listed on my credit report. This account was opened or reported without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have it removed. 
The account in question is as follows : Account to be Deleted : XXXX XXXX XXXX - XX/XX/year>
Product: Debt collection

I have reached out and disputed debt has yet to receive a debt validation. I have reached out to the legal Department. To ge more information about the debt and only being told it is in dispute and has been In dispute since XX/XX/2023. I mentioned that they have 30 days to send debt validation. And asked why I havent received it they mention they are working on it. I need this debt to be validated or removed from my reports as I have not received a validation.
Product: Mortgage

My VA mortgage servicing recently switched from XXXX XXXX to M & T Bank on XX/XX/XXXX. I have had zero issues with XXXX XXXX since my husband and I have had our mortgage serviced by them over the last few years. 

My husband passed away XX/XX/XXXX. The mortgage note at the bank was solely in his name, but I am a joint tenant with rights of survivorship on the warranty deed. After my husband 's death, I sent XXXX XXXX his death certificate, warranty deed, etc. They noted on the account my information so they could talk to me. My husband did not have a will or an estate, and I have continued to make the payments and have never been late or had any issues. 

I have placed at least 6-7 calls to M & T bank and have talked to one rude person after another. The first couple of times, they said they had none of the information from XXXX XXXX. So I called XXXX XXXX, and they said all the information was transferred. No one at M & T would even talk to me. Instead, they act like I'm committing a crime because I continue to pay my mortgage in my deceased husband 's name. Today, I talked to a supervisor named XXXX who accused me of changing the account to read " the estate of '' and his attitude and condescending nature made me so nervous. It feels like elder abuse when a client service rep tells a client they are " XXXX. '' I know I could have refinanced the loan, but I am on a fixed income and there was no benefit in my doing that. I know this situation isn't that common, but I got different answers from everyone I talked to. My husband died and I continue to pay my mortgage and all of my bills on time and instead of M & T bank treating me like a new potential customer, they treated me like dirt. I need someone at M & T with some correct legal knowledge of a widows rights in this situation. Clearly they have zero policies and procedures to reference this because I was told something different every time I called. One person told me I shouldn't be paying the loan and if I was claiming the interest on my taxes then I was breaking the law. How awful to scare someone like that when I was advised by an accountant and my estate lawyer. 

I know customers don't have a say in which bank services their mortgage, but clearly M & T can't handle the transition and have respect for new clients.
Product: Checking or savings account

On XXXX XXXX, 2017, $XXXX was transferred from my checking account with Wells Fargo without my authorization. The bank refuses to take responsibility for the unauthorized transaction and concluded that an investigation was not necessary. I have tried to resolve this with Wells Fargo, but have not been able to get anywhere with them.
Product: Payday loan, title loan, or personal loan

Lending Club reported this account as delinquent and ruined my credit. Their claim is false because their Payment Solutions Headquarters/Collections signed for my payment of {$19000.00} on XX/XX/2020. The payment wasn't due for Loan ID # XXXX until XX/XX/2020 and the payment was made in full. Lending Club locked me out of my account after I cancelled the consolidation loan. I cancelled the loan the same week it was approved because it was a bait and switch. I applied and was approved for a {$20000.00} line of credit at 16 % and Lending Club switched it to {$19000.00}. Lending Club agreed to accepting the {$19000.00} as full payment, if paid by XX/XX/2020. Lending Club lost my payment, which they signed for on XX/XX/2020 and the payment wasn't applied to loan ID # XXXX until XX/XX/2020. Also, Lending Club made an unauthorized withdrawal from my checking account on XX/XX/2020 and on XX/XX/2020 for {$19000.00}, which overdrew my account by several thousand dollars. I called Lending Club on XX/XX/2020 to follow up on my payment and the rep said that they still hadn't found the check. I told him that I was having the bank put a stop payment on the check and to call me if they found it, so I could have the stop payment lifted. Instead, Lending Club attempted to cash the check with the stop payment applied and the never contacted me when they found the check. As a result, the check was returned and I couldn't retrieve the funds until after 90 days. Lending Club agreed to accept the payment and close the loan if paid on XX/XX/2020, {$19000.00} pain in full. However, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 and I wasn't able to make an appointment with the bank until XX/XX/2020. Had they not attempted to cash the check with the stop payment applied, it would have automatically populated to my account on XX/XX/2020. Also, I could have lifted the stop payment, even before that, had they notified me when they found the check.
Product: Debt collection

Profolia credit debt-I have no knowledge what this is for! They con me into setting up an autopay saying they will sue me for whatever this debt was for! This debt is not mine at all-amount is {$1800.00} and change
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb id # XXXX I have tried to correct this issue with Experian. Experian still incorrectly reports this account as open and late. We had a car loan with XXXX XXXX XXXX XXXX. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX  XXXX, WI. The title was sent by XXXX XXXX to XXXX XXXX XXXX XXXX to the satisfaction of XXXX XXXX. This debt still remains on our Experian credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, Experian rejected the dispute. Now two years later, we are trying to have this removed from our credit report and Experian website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold. Experian responded to cfpb id # XXXX and still cant get it correct. The {$6100.00} is not past due as stated on Experian. It was written off. It has been corrected on XXXX  Confirmation # XXXX and XXXX. Documentation is available.
Product: Credit card or prepaid card

I pay my account in full each month..always have. During XXXX XXXX TX area had power outages, no post office delivery for over a week and bursting pipes at our post office. I did not receive one of the statements, did not realize it until I got the next statement in and found a large fee and interest charge. Attaching the letter I wrote to Commenity ... explains what happened. Their response was a typical form letter that did not explain the interest charges specific to my situation, etc. Last month I paid in full, including the interest charge which I did not agree with,. Just got this months bill ... another interest charge ... this one in addition to the one in the prior month. This is completely wrong. I pay on time ... get the statement in the mail, check goes out the next day. I can not make any headway with these people ... I have been on the phone way too many times and no one is able to rectify this situation. Am attaching the prior statements so you can see what they have charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new phone with XXXX. They came back and said that I had a low credit score and I would have to pay more. I received a letter from XXXX with an explanation. They got their information from Lexis/Nexus. Lexis/Nexis score was XXXX. All other reporting agencies are above 800. I sent Lexis/Nexis a letter asking for documentation. They sent me a letter saying they could not find any information on me ...  even assigned me a case # XXXX. ( XXXX used my name and SS # which they gave to Lexis.Nexis and they were able to give XXXX back a very low score. ) I gave them all the information they needed. No reply. I went online and asked for my credit report from Lexis/Nexis and gave them the information again. Just received a letter asking for the same information again. They assigned me another case number # XXXX. Hence, my request to you. They are simply avoiding the issue. And it is apparent that they do not want to provide me with any information about this problem.
Product: Vehicle loan or lease

During my loan with Bridgecrest, I had issues with returned ACH payments and incurred return check fees. Even after canceling auto pay, payments were still being debited, and the email notifications lacked clarity about which payments were being referred to, causing confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XX/XX/XXXX i  attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a XXXX report. I contacted XXXX and discovered it was from XXXX XXXX. I contacted XXXX XXXX   branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with XXXX. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XX/XX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on XXXX XXXX. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.
Product: Mortgage

On XXXX I called in and requested that my account be set up to accept bi-weekly payments. Prior to Mr. Cooper purchasing my account I was set up in the same manner with my prior vendor. 

Despite my request, my payment which posted on XXXX was applied directly to principal instead of being set aside " Unapplied Funds '' until the entirety of the next payment was available.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that on XX/XX/year> I checked my credit report and discovered three fraudulent inquiries that I do not recognize. These unauthorized inquiries are negatively impacting my credit score, and I believe they may be the result of identity theft. I have already taken the following steps : 1. Obtained copies of my credit reports from all three major credit bureaus 2. Identified and marked the three fraudulent inquiries 3. Prepared dispute letters to send to each credit reporting agency I am concerned about the potential for further fraudulent activity and the impact on my financial well-being. I would appreciate any guidance or assistance the CFPB can provide in resolving this issue and protecting my credit. Please find enclosed copies of my credit reports with the fraudulent inquiries highlighted. I am happy to provide any additional information you may require. Thank you for your attention to this matter.
Product: Checking or savings account

XX/XX/2023 Went to PNC Bank to withdraw funds from their ATM. I requested the XXXX inside give me larger bills than the {$20.00} bills I withdrew. I stood in line for several minutes while the one XXXX who finally waited on me, in spite of not having any Customers when I walked up to the counter. Even with that, she made me wait an unreasonable amount of time to be helped, asking for my debit card just to exchange the funds. I had just withdrawn money from the ATM machine in the building. I had my receipt in hand and yet she insisted on seeing my debit card. Even though she asked for my debit card, she did not ask for my driver 's license or ID. After giving her my debit card, she stayed in my account on the computer screen for at least XXXX minutes. There was no reason for this employee to be in my account looking around just to make an even money transaction. I asked her what she was looking for and she did not answer. Verification of an account does not take that long. With that, she proceeded to give me {$10.00} bills when I specifically asked her to for larger bills. As a result of this employee giving me so may small bills, I accidentally overpaid the workers I needed to pay. Had she given me 4 {$50.00} bills like I asked her to ; the chances of that error would have been greatly reduced. I was very uncomfortable with this employee accessing my account for that long since my Social Security number is so readily available in my account. In addition to this action, this bank always wants to access my account even if I walk in for something as minor as a checkbook register. I have gone to other banks for a check register, and they hand them out without question. PNC bank always want to upsell you on a credit card or some other promotional item.be hassled and have to sit in a banker 's office while they go into your account just to obtain a " free '' check register. Additionally, my, mailbox has constantly been overrun with offers for a credit card since the day I opened my account. In addition to that, last week I received one of many unsolicited calls from a banker at my local branch. He said it was not important on voicemail. I did not return the call because I knew it was just another sales pitch. I have never done business with a bank of this low caliber, and I will be researching to find another due to the unusual practices of PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed disputes letters to XXXX  and Equifax along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!
Product: Debt collection

Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  / ACCOUNT NUMBER : XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX