23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is taking advantage of my situation to their advantage! I can barley pay my mortgage anymore and they supposedly did a Home modification when times were bad but I 'm still over paying and can barely keep my home due to XXXX! PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a purchase on XXXX For XXXX on XX/XX/2022 and I never received the shipment. Every time I would call they would say that they are looking into it and I should receive something in the mail. Till this day I havent received any update and I have called them about 3 dozen times and every single time its a different story. That my claim got denied because it says delivered. Other times the rep says Ill be receiving credit on my account in 48-72 hours and I get nothing. I have emailed them and called and nothing seems to work with them. Help me Account # XXXX
Product: Debt collection

I had registered for the fall semester but quickly learned I would not be able to afford the semester. I attempted to drop the classes a number of times but had issues, to which I had to receive assistance from the school to drop the classes. They assisted me in dropping the classes and told me I do not owe them anything. They forwarded the debt to a creditor prior and I provided proof of me not owing the debt. The creditor then sent the debt back to XXXX XXXX XXXX but they refused to remove the debt per the information I provided, claiming they made a mistake. Now its been forwarded to collections again.
Product: Vehicle loan or lease

We had a vehicle lease through Toyota motor credit Corp. and we were in an accident which resulted in the total loss. We never received a bill for the {$500.00} deductible and Toyota just sent it to collections. We contacted them several times and tried to resolve this with no luck. The amount was paid in full as soon as I got a letter from collections but it shouldve never got that far. Credit has been down for 2 years now because of their actions or lack there of.
Product: Credit reporting or other personal consumer reports

My world finance account sold my account to a third party 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization Account number XXXX
Product: Debt collection

I found out about an alleged debt through my credit report, but there was never any written communication or phone call from XXXX XXXX XXXX ( original creditor ) notifying me that something was pending or from South Ms Collection. Even though the amount is small and wanting to clear my history, I paid that supposed {$14.00} debt almost 1 month ago. To date, XXXX XXXX XXXX has not deleted the amount from my history. I was the one who sought to contact both the original creditor and the collection. What I require is that the debt be erased from my history once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/201XXXX XXXX
Product: Debt collection

I have disputed this and demand legal verification. this is on my credit report and I disagree.
Product: Prepaid card

On XX/XX/XXXX I made a purchase with XXXXXXXX XXXX  where they pre authorized {$90.00}. I had XXXX in my account at the time. XXXX delivered and adjusted the amount they took to {$86.00}. But instead of adjusting my account went negative {$88.00} and the first authorization is still pending today.. XX/XX/XXXX. I reached out to the customer service department since the XXXX regarding this pending charge and they said it will not release. So when I got my payment on XX/XX/XXXX it was minus the XXXX it should have been. I spoke to the supervisor after being on hold for 4 hours ( Im not exaggerating ) for him to tell me that there was nothing they could do and the bank knows this is an issue and will not fix it. States there have been thousands of customers saying the same thing happens to them. Tried to get information on the bank associated with Way to go card for Wisconsin child support and he said there was no other way to reach out to them.
Product: Checking or savings account

Dear Sir/Madam, Can you confirm to me about the following bank website? 
www.eastwestlimited.com, East West Bank PLC, XXXX XXXX XXXX, XXXX, NY-XXXXXXXX, USA, Phone number : ( XXXX ) XXXX Fax- ( XXXX ) XXXX, The following bank website with details are genuine or fake.If you are sure about the following bank website thats real not fake then i will inform you by register air mail service with the details of the complaint.If you let me know the website is fake then i will not tell you the details by mail. 
Thanking you, With deep regards, XXXX XXXX, Email : XXXX Home Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Postal/zip codeXXXXXXXX, State : XXXX XXXX, Country : XXXX. 
Phone Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We've talked to the furnisher & they've agreed to remove the account, but TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Started with XXXX  Fraud, reported it directly to the Police on XX/XX/XXXX Created an XXXX account. 

None of these following accounts are mine : Westlake Financial Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX XXXX XXXX showing date open XXXX XXXX credit limit {$3000.00} shows late payments. 
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}
Product: Checking or savings account

The bank of america atm on XX/XX/XXXX failed to read my check that I deposited due to no fault of my own. The bank put the funds on hold and two weeks later sent me a letter assuming that the account my check was drawn from was closed. However later the bank representative realized that it was bank of america who was at fault. The money was put on hold before my funds would clear until I made a cash deposit, however before I put in cash it resulted in a large amount of overdraft charges. The bank manager refused to credit back the last 8 overdraft fee charges because in the reps opinion the bank credited back enough penalty fees already. I clearly explained to her that it was simply not my fault that the bank of america atm was unable to read my check. I have never gotten back my few hundred dollars the bank took from me in penalty fees.
Product: Debt collection

This company has contacted me on a few occasions. I have no knowledge of this debt at all nor have I been sent any mail about this debt to give me a chance to dispute the charges within 30 days by law. Because contact has lapsed the 30 days, I am requesting that this creditor close my account due to improper validation and communication of this debt. If any further communication persists, I will be filing a harassment suit with the federal court for punitive damages. This complaint also serves as your cease and desist warning.
Product: Debt collection

Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/2020 I tried to fix this issue with Capital One, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Capital One, account # XXXX Opened Date XX/XX/XXXX, XXXX Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Capital One. Thank you.
Product: Debt collection

Received a letter dated XX/XX/XXXX demanding payment of {$3500.00} for a fraudulent debt. Claimed we owed for XX/XX/XXXX rent when we were moved out by end of XX/XX/XXXX. 

Timeline of our communications XX/XX/XXXX I asked for proof of debt XX/XX/XXXX I spoke to someone who tried to explain verbally but he didn't understand what the charge was for either. Said he would get back to me XX/XX/XXXX I spoke by phone again but they still couldn't explain the charge XX/XX/XXXX spoke again. Finally told it was for XX/XX/XXXX rent but couldn't explain why being charged XX/XX/XXXX spoke again and was told we didn't give enough notice. Emailed collector proof of proper move-out notice XX/XX/XXXX spoke again and now told it was because we didn't return the keys in time XX/XX/XXXX I demanded further documentation : explanation of charge and why reason was changed, where in the contract does it say we're charged for late return of key and proof we returned the key late XX/XX/XXXX collector said they would not email proof and would only speak on the phone. Transferred me to manager who then hung up on me. Called back, transferred again, hung up again XX/XX/XXXX called someone else at the collector. Again asked for written proof, put on hold for 10 minutes, informed it was for late notice, refused to provide any further information, hung up on me XX/XX/XXXX emailed again demanding proof of the debt. Collector responded with the invoice and a copy of the contract. No indication of which clause was broken or documentation that the clause was broken XX/XX/XXXX collector advised me to call a different manager. Left several messages XX/XX/XXXX collector called, I said I was not paying the debt, their client did not provide any documentation supporting the invoice. They responded my account was now " eligible '' to be reported to the credit bureaus
Product: Mortgage

In XX/XX/XXXX my loan had a balloon payment due. In XXXX XXXX to contact US Bank to assist me on what they can do to helpas I could not get another loan to pay this XXXX off. It is now XXXX have been going back and forth for years with no end in site. I have sesent them paperwork after paperwork. Had a short sale offer, they didnot take or even respond. Requested a deed in lieu and they did notrespond, suggested at the beginning if I could continue to make the payments as is they said no loan was due in full. After a year or so of this they said I could make up the past years payment, bring loan current then make monthly payments. At that time it was {$9000.00} pastdue. I only owed {$23000.00}. Today they say I owe {$23000.00} plus {$17000.00} past due. I took money out of my IRA to just keep up with mybills. I have had excellent credit my whole life, this has just been anightmare. They did change the mailing address so for six monthsI did not receive anything. It took they a year of me callingto correct the mailing address. this is a lot loan, no house is on the property. In XX/XX/XXXX they started foreclosure, I told them to take mylot. They have done nothing.They have ruined my credit and arecontinuing to ruin my credit. I am at the end of my rope. this problemneeds to be resolved.
Product: Debt collection

Called Synchrony and reported fraudulent charges, two charges on XX/XX/09 one for {$38.00} and one for {$94.00}. Was told they would be handled, the smaller one was removed and the larger one was not. Had numerous conversations with the fraud department with very little response. We pay are bill in full every month, we paid everything except the two charges. Now we are being hit with interest charges and they act like they no nothing about the fraudulent charges. We have cancelled the card due to the poor service.
Product: Debt collection

XXXX XXXX company is a debt collection company who hired a courier to call and contact me in order to " serve with legal documents '' I was unable to answer the call at the time because I was at work, the individual proceed to tell me over the phone that if I did not respond or he could not find me at work then he would take it as me not wanting to comply and they would '' take me to court '' When I called the company back I spoke with XXXX XXXX who stated they hired courriers but would go down to the " legal department '' and see if he could get my paperwork. He placed me on hold and told me it was a wells fargo account from 2008 almost ten years ago. He told me I had only two options one was they would proceed with legal action and I would have to go to court where the judge if found guilty could ask me to pay up to 2000 but I could also go with second option where they would stop legal action and all I would have to pay was a bit over 800. I was in the middle of work had to attend a meeting and I agreed not knowing it would start statute of limitations again if I gave anything. I gave XXXX but later realized it was intimidating when he and courrier spoke about legal action, court and showing up at my work to collect a debt that is almost ten years old, now that im recalling never showed on my credit report. when I gave him my card he said I have to go run in when he came back he said " good news I was able to stop courrier and now you wont be taken to court '' I again found the whole incident very intimidating because he also said if I went with option 1 my name would be on legal documents for everyone to see
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I SEND A DISPUTE LETTER TO EQUIFAX TO CORRECT INACCURATE INFORMATION AND REMOVE ACCOUNTS ON CONSUMER REPORT NOT RECOGNIZED. 

EQUIFAX SHARED MY CONSUMER REPORT WITH THE COMPANIES LISTED BELOW WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER 15 USC 1681b FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THESE CLOSED ACCOUNTS HAVE BEEN PLACED ON MY CONSUMER REPORT THAT I DO NOT RECOGNIZED : XXXX XXXX XXXX CLOSED XXXX XXXX, 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 THE ADDRESSES LISTED BELOW NEED TO BE REMOVED BECUASE THEY ARE NO LONGER MY PLACE OF ABODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX, XXXX. I had applied to XXXX ( has always discriminate denying me without reasons ), XXXX, renewing XXXX, and XXXX. I have updated their background check companies they used that are DISCRIMINATING against me denying me employment, not accepting my certify documents and copied documents that their error are going back to an old issue that wasnt an issue in XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX until my XXXX XXXX on XX/XX/XXXX was XXXX on XX/XX/XXXX. I have attached the documents and I keep getting an unfair rejection and the background checking companies stated that it is up to their third party. Unfortunately, this third party controls all corporates and businesses in my county. I applied for employment with XXXX, I was denied and listed as not eligible for rehire with no reasons. Something with the XXXX XXXX  background check companies. This is DISCRIMINATION as I was a XXXX XXXX  Victim in XXXX, was a Victim of XXXX XXXX in XX/XX/XXXX, Victim of XXXX XXXX  on XX/XX/XXXX, and now this. These companies need to be looked into. This is Depriving me of my Rights, Violating my 1st Amendment, and Civil Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF ED/XXXXXXXX/XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Specifically, a collection item appears on my credit report for XXXX XXXX XXXX for XXXX They alleged that I owes XXXX XXXX XXXX this debt for the last bill on my daughter 's lease with XXXX XXXX XXXX. However, I have never lived on this property. Even though she agreed to let XXXX XXXX XXXX do a credit check on me, I never signed or co-signed for my daughter 's lease. I also pointed out that the signature that XXXX XXXX XXXX attributes to as her signature on her daughter 's lease is not hers. 
They were sent a copy of my ID showing my signature and I filled a police report as they requested but nothing was removed and they refuse to talk to me anymore. 

events timeline : I agreed to a credit check only. I never visited to sign the lease. When I got an alert from my credit report I checked and noticed there was an item from the complex. I called spoke to the lady in the front office. She explained to me they only had my credit report not my lease that is why I was not notified of the debit prior to it going to collections. When I stated I never signed a lease she said XXXX would call me back. I called back Friday XX/XX/29. Left messages and got a call from XXXX, she said she was not at the office, but she would get back to me on Monday. I called on Monday and left a message. Got an email showing my name was added to the lease. The rental office emailed me a copy and it is clearly not my signature. My name is even spelled incorrectly. I pointed that out to XXXX, however she refused to remove me from the lease and collections.
Product: Money transfer, virtual currency, or money service

On XXXX, there was an unauthorized wire transaction from my Chase checking account to XXXX  XXXX XXXX account in the amount of {$25000.00}. I found this out after about 1-2 hours after the transaction was made. I saw XXXX emails of wire transfer cancelation and a third email to confirm that the wire transfer was successful. I called Chase right away to let them know that it was an unauthorized transaction and they told me that it will be taken care of and the money will be back in my account between 7-10 days. I also filed a police report and followed their instruction to file identity theft reports & froze my credit. 
After a week of not getting any updates from Chase, I called back to their fraud department and I was informed that the claim was not processed fully and there was no detailed info on it that they have to create this claim again. So I provided them again with all the information I had on this transaction and they gave me another 7-10 days to wait. They they denied this claim because they are categorizing this as a 'scam ' instead of 'fraud '. So they advised me to escalate this to their Wire Recall Service Team where they can review my case and possibly can do a courtesy wire recall. But this team is only available via Chase Secure Message Center so I have been going back and forth with them since beginning of XXXX until today because they are not providing any updates on my case. They are just providing phone numbers to call, which leads me back to their fraud team and can not help with my case. They they provide a number for their Treasury Service Team, I call and only automated message says 'leave message on chase secure message center ' then just hangs up my call. Now I'm just thrown between 2-3 different departments just saying to reach out to a different team and they are not asking me to get a Hold Harmless Letter from a Chase branch. I talked to my banker at my branch and she has no idea what this is. So I go back to my secure message on Chase app telling them what happened, this is their reply " USD Wire investigations team does not deal in issuing or providing hold harmless letter. Kindly reach out to a local Chase branch for further assistance. We close the case on our end. If you have any additional questions or wish for an update on the status, please respond to this message or call the XXXX XXXX XXXX XXXX XXXX  ( which just hangs up my call )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I faxed Equifax A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXX XXXX refusal to investigate an unauthorized transaction on my account, I paid balance due and requested that my credit card account be closed. 
I was assured my credit card is closed with {$0.00} and e-mail was sent on the day of closing, with a letter received a week later ( XX/XX/XXXX or thereabouts ). 
I opened a dispute with Equifax as XXXX XXXX XXXX refused to update my credit card as closed and falsely listed account as open with a balance. 
On XX/XX/2019, nearly 2 weeks after my credit report should have reported account closing, XXXX XXXX falsely certified to Equifax that my account is still open. 

I also called XXXX XXXXXXXX and spoke to representatives on XX/XX/XXXX. The representative I spoke with affirmed he could see my credit bureau dispute. And representative insisted XXXX XXXX  XXXX is under no obligation to update my credit report till the company wants to update it. I recorded phone call and it can be provided on cfpbs demand. 
I attached documents.