23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX account classified as loan for {$950.00} opened XX/XX/2022 with XXXX XXXX. I never opened an account with XXXX XXXX or XXXX XXXX XXXX on XX/XX/2022 as I was XXXX and out of the XXXX during that time. I filed a dispute with Experian and after about 2 weeks, they deemed their I no investigation as accurate, stating that the company has accurate information. I have never opened an account with XXXX XXXX, have not heard of them, never received any phone calls, e-mails or any other communication with this company. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report from various companies that i never contacted and i am demanding the removal of them from my equifax report. 

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: Mortgage

I fell behind on my mortgage payments in XXXX due to injury/hospitalizations. In XXXX of XXXX I re-entered a XXXX hospital for over one month. Upon my return on XXXX XXXX, XXXX, I received a notification, via regular USPS mail, from an attorney stating my house is listed in a foreclosure sale on XXXX XXXX, XXXX. I received ABSOLUTELY NO OTHER MAIL, either regular or certified, prior to this notice! I spoke with XXXX different people at Wells Fargo Home Mortgage on XXXX/XXXX/XXXX for over 35 minutes and still have no answers. A full mortgage payment was mailed to Wells Fargo Home Mortgage on XXXX XXXX, XXXX. I went through over 18 months of this with Wells Fargo in XXXX. Finally, after dealing with at least XXXX different people and submitting the same information over and over, my loan was " modified '', raising both my payment and interest rate!!. Once again, I am dealing with an unbelievable issue again! How does my house get on the auction block without ANY notification at all from Wells Fargo Home Mortgage?!? No phone calls, no mail of ANY KIND! This is another outrage, XXXX The recent XXXX. I filed a complaint to the XXXX in XXXX, which was forwarded to the CFPB. I am now looking at filing a suit against Wells Fargo Home Mortgage for this current outrageous action! They have absolutely no proof that they sent me any " warning '' correspondence of impending foreclosure action. Once again, I have to deal with the incompetence of Wells Fargo and their lack of explanation. The stress they caused me in XXXX XXXX and here I am again, facing XXXX. Again, I need answers and help NOW.
Product: Bank account or service

On  XXXX   XXXX  ,2017 I mad e a mobile dep osit to my Wells Fargo ch ecking account.They did not credit my account for the amount of the deposit, when i called them to inquire they said there was a hold on the deposit, that the bank the check was drawn on claimed a fraud. that i should call the issuer, when i did so i was told there was no caim of fraud by them. The issuer is the state of california controler. when i called wells fargo back they changed their sory and told me the check hasnt been paid for, so i called the california treasurer that informed me the check had been paid and the funds should be available. when i called back to wells fargo they told me the federal reserve was holding the money, when i called the federal reserve they said they dont hold any monies and that i should file a complaint. i feel wells fargo is just holding this check to collect over draft fees. i deposit  XXXX  of these checks from the state of california every month. i have to wait two weeks to recieve this payroll check. which i recieved the  XXXX  of  XXXX  and wells fargo is not going to release the funds until the  XXXX  of  XXXX . everytime i have called wells fargo they have given me a different reason. the check number is  XXXX  the amount is {$910.00}. the issuer of that check is the state of california controller and can be reached at  XXXX   XXXX  the state treasurer can be reached @  XXXX   XXXX . They told me the check was paid  XXXX   XXXX .  Wells Fargo  has refused to contact the state controller or the state treasurer. I would appreciate you looking into this matter. There has been no fraud reported by  XXXX , the state controller or the state treasurer. since it was a mobile deposit i did not keep the check since ive never had this problem before in the past. Please contact me at  XXXX  XXXX  XXXX  or by phone at  XXXX   XXXX . My name is  XXXX   XXXX   XXXX .   Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check via XXXX, ordered on XX/XX/XXXX and completed on XX/XX/XXXX, for admission into medical school incorrectly states that according to " records found '' my reported dates of employment at XXXX XXXX XXXX XXXX are incorrect when, in fact, they are correct. I do not know who gave them false information, but the report states that my dates of employment were XX/XX/XXXX to XX/XX/XXXX, which are rather the dates for my teaching at a different High School in the same general region, called XXXX XXXX XXXX XXXX The correct dates of employment at XXXX XXXX were reported as and are, in fact, XX/XX/XXXX to XXXX ( or XXXX ) XXXX. There is a difference of three years. I hope this does not detrimentally affect my admission/matriculation to the medical school for which I ordered this background check. 
Please see the relevant dates contained in the documents here attached.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

Huntington Bank reversed a bank charge I disputed pertaining to an XXXX charge in the amount {$460.00}. Huntington Bank is committing fraud by indicating I am liable for this debt payment. National banks like Huntington Bank are ensured under FDIC which ensures each depositor 's account up to {$250000.00} therefore how did Huntington Bank arrive to the conclusion that I am indebted to the bank? Furthermore Huntington Bank closed my savings account but failed to return the credits that the securities I deposited into their institution. 
Banks are transfer agents their job is to buy and sell securities and deposit them into their customers accounts. These transactions should have been accurately reported to the IRS since this is a barter service but Huntington Bank did not. Although the account appears to be closed there is still trading be done through the stock market based on the account number that was assigned to me by the bank. My broker was able to trace the account and estimate the value as of XX/XX/year> which none of this was reported or told to me by Huntington Bank. This is racketeering and securities fraud.
Product: Credit reporting or other personal consumer reports

XXXX reinserted the deby without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) The debt was previously removed but has been reinserted without notice. 
The collection agency failed to provide validation of the debt Demand an Immediate deletion I am filing a formal complaint against XXXX and CREDENCE RESOURCE XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Issues with the Collection Account : Debt Was Previously Removed But Reinserted Without Notice A collection account originally reported by XXXX. XXXX XXXX was removed from my XXXX credit report but has now been reinserted by a new collection agency. 
Under FCRA 611 ( a ) ( 5 ) ( B ), XXXX was required to notify me within five business days of the reinsertion. I did not receive any notice.

Failure to Provide Proper Debt Validation The new collection agency has not provided any proof that I owe this debt, which is required under FDCPA 809 ( b ).

If they can not validate the debt, they must remove it. 


Possible Re-Aging of Debt The collection account originally appeared under XXXX. XXXX XXXX but has now been relisted by another agency. 
The date of first delinquency must remain the same. If it has been changed, this is an illegal attempt to extend how long it stays on my credit report ( FCRA 605 ( c ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with Rise, nor do I owe them any money.
Product: Checking or savings account

This was my mother 's XXXX XXXX XXXX account where I'm listed as the beneficiary. She passed away inXX/XX/XXXX. I  contacted UBS many times ( three times just in the last two weeks ) and every time they told me that they received the paperwork and someone in charge of the account will contact me later that day or the next day. 
The failed to call me every single time. The last contact was on XX/XX/XXXX when a representative called XXXX said they'll call me the same day but they never did. 

I submitted my mother 's death certificate weeks ago and also a UBS statement showing that I'm the beneficiary but they keep passing me around reps and making me hold on the phone for long periods each time. I'm attaching these documents to the complaint. 

Prior to my mother 's passing I submitted a power of attorney and letters from her doctors explaining she was incapacitated ( she was XXXX years old suffering from XXXX XXXX XXXX and unable to XXXX XXXX XXXX ) and I needed to access her account to pay for her assisted living expenses but UBS played the same game and never gave me access. As you can imagine this caused a lot of problems for me, I have spent hours dealing with this corrupt institution. 

There are similar complaints for UBS with CFPB, some exactly the same as mine such as # XXXX. I believe this is standard practice for UBS and they should be held accountable for deceiving their clients and try to keep our money as long as possible regardless of the hardship this may cause us.
Product: Student loan

I enrolled in 2023, the school had falsely advertised the amount of time, price, and programs that they offered. They promised 7 months, at a fixed rate of {$110000.00}. 10 months later I was still in school, and was told that I needed an ADDITIONAL {$12000.00} to complete their program. 2 weeks after getting the {$12000.00} approved, they deferred myself, and about 30 other students because " there are too many instructors and not enough students ''. 

Because of this, many students, including myself DID NOT receive the certificates that they were promised by XXXX XXXX XXXX, and were left with no job ( again promised by XXXX XXXX XXXX ) and stuck with massive debt with no way to pay it. My payments for Sallie Mae ( now XXXX ) are $ XXXX just for the loan. I requested a school misconduct form to fight the loan as I was scammed out of over $ XXXX. I have not heard back in over 2 weeks from XXXX. I am unable to afford to pay any other bills because of XXXX 's predatory lending practices, and XXXX XXXX XXXX Scam. 

There is nothing in my training handbook or anything that I signed that says they can defer from the program at will. They only say that people can be kicked out for misconduct. There was no misconduct, and there has been no communication from either parties.
Product: Credit reporting or other personal consumer reports

**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX  across TransUnion , XXXX, and XXXX XXXX without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( TransUnion & XXXX ), XX/XX/2023 ( XXXX ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey , yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by TransUnion, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.
Product: Debt collection

Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX county unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called XXXX they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.
Product: Credit card or prepaid card

I was charged multiple late fees and interest charges to my Citi Cards account during the time that COVID-19 caused disruptions to businesses and to lives around the world! 

This matter began in XX/XX/2020 when I received a call from a Citi Cards representative stating that I missed a payment. I informed the representative that I did not recall using the card referenced and requested additional information on the charges so I could validate they were legitimate charges. The representative informed me that he was unable to see details but would transfer me to customer service who could assist me, which he immediately transferred me but a representative NEVER answered and the call and then I was disconnected. I tried calling several times thereafter ( days and weeks later ) and collection representative called me but customer service was not available, not even through the online chat portal. 

I eventually spoke with a professional representative who was extremely helpful in providing details of the charges, which was all I needed to pay the bill. In addition, he offered to credit late charges due to credit/payment history and the inconvenience but all of his attempts to credit the charges failed. The representative explained that the system would not allow him to apply the credit because my account was closed. I placed many calls after that call to have the late fees removed and resolve the delinquency but continuously experienced the same outcome, even with a supervisor. 

I paid the bill minus late charges. I was, and continue to be, in utter disbelief that during the time of a world-wide pandemic ( COVID-19 ), a company could be so insensitive to close a consumers account and continue assessing late fees knowing that CITI offices were closed, or operating on limited scheduling, reduced staffing, or whatever the reason may have been for not servicing customers! 

I had great credit prior to this matter, but Citi Cards has tarnished my credit and continues to do so monthly.

I wrote a complaint to multiple executives of the Citi Cards team and was told that charges would not be reversed because the payment was late - without acknowledging their lack of service to customers in previous months.
Product: Bank account or service

My bank is Bank of America. A charge showed up on my account that I do n't remember authorizing and I did n't recognize the merchant. I tried to dispute the transaction by calling the phone number, but I was on hold for over 15 minutes.
Product: Credit card

Comenity Bank/Now XXXX XXXX I have a credit card with this company. I had a 2 couch purchase in XXXX  with 0 % interest for 4 years. I have diligently paid every month for that time. My balance was down to {$100.00} the final month for which payment was due XX/XX/XXXX. My minimum payment was {$530.00}. I paid {$600.00}. Every month I pay the minimum payment and money is applied to the Promotional balance. In XXXX, {$76.00} was applied from my payment which was lower than XXXX. I figured with my paying {$65.00} over the minimum due, that that would cover the remaining {$100.00}. I called the institution on XX/XX/XXXXXXXX  to make sure that my {$600.00} payment covered the promotional balance due. I was assured in no uncertain terms ( twice ) that it DID cover the promotional balance. I asked for this to be notated on their system. The representative stated that ALL calls are notated. Today, on XX/XX/XXXXXXXX  I received my XXXX statement that was mailed on XX/XX/XXXX, stating that I still owed {$28.00} on the promotional balance and that it was due on XX/XX/XXXX. This would mean that I will likely be charged 4 figures in interest dating back to XXXX. I was diligent with the payments on this account. I verified I covered the balance, yet, this happens. 

Let me add that the XXXX statement reads as follows : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan WV INT XXXX XXXX XXXX of {$100.00} by XX/XX/XXXX any remaining balance will be assessed interest at the standard purchase APR. '' In the XXXX statement, the verbiage is changed : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan XXXX XXXX XXXX XXXX balance of {$28.00} by XX/XX/XXXXXXXX  any remaining balance will be assessed interest at the standard purchase APR. This payment needs to be IN ADDITION to your minimum payment due. Then there was some language about automated payments, which I do not have. 

The company never makes clear what amount would be necessary to pay off the promotional balance, while keeping in mind that even minimum payments have funds applied to the promotional balance. It is funny how there never was verbiage about the payment needing to be done IN ADDITION to your minimum payment due on XXXX 's statement. Also, note that the statement was mailed on XX/XX/XXXX for a payment that was due XX/XX/XXXX. 

Bottom line : I was assured on XX/XX/XXXXXXXX  that my payment of {$600.00} covered the promotional balance. I called the institution today and voiced my complaint. They stated that they have filed a grievance on my behalf and would receive a mailed answer in 7-10 days. This is my second issue with this CC company. I am going to find another CC company to transfer my balance to once they have corrected this obvious mistake. XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I did a {$20000.00} USD wire transfer from my Chase Bank XXXX account ending in XXXX from XXXX XXXX XXXXXXXX to my XXXX XXXX savings account at XXXX ending in XXXX. The funds have gone missing, and neither bank has provided a resolution. I have submitted five inquiries to XXXX to trace the transfer, all of which have been unsuccessful. Chase Bank closed the first inquiry, stating they had tried to contact XXXX, but they didnt get an answer and the second inquiry remains open but unanswered. Chase has not conducted a XXXX trace as required, and both banks continue to deflect responsibility, each blaming the other for the delay. As a result, I am incurring interest charges for not meeting the agreed-upon delivery of the funds in early XXXX.