23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is in reference to XXXX number : XXXX with Wells Fargo not responding to my request or to my realtor. Wells Fargo says they have made several attempts to contact with me with the last letter being date in XX/XX/XXXX. Since XX/XX/XXXX I have attempted many times through email, phone to contact Wells Fargo. Each time my specialist who is supposed to be working with me is changed. If this is only letter the sent in XX/XX/XXXX, it is now XX/XX/XXXX. I have had XXXX different specialist, none of which respond back to my case, except to state they are no longer on my case. Today at XXXX on XXXX/XXXX/2015 once again called and have a new specialist : XXXX XXXX . I am not sure how to spell last name. She assured me she would call me back Friday. She did n't know much about the case except it showed was working on short sale. As for the short sell, they keep telling my realtor and I that I owe XXXX I only owe XXXX on the home. Its like they have a totally different person they are speaking with. There is another XXXX XXXX that lives in same town I do. If you look online, according to online stats, XXXX XXXX 's home has already went to court and been foreclosed on. I have never received a notification like this of any kind. XXXX from Wells Fargo said there was no record of foreclosure. So this makes me wonder if they are combining the other persons case with mine. I am not sure what kind of house the other person has, but my home is only worth about {$50000.00} if that. Its old and needs repair, but Wells Fargo will not even look at the home to access it. So how do they know they have the right place. For all I know this other XXXX XXXX could be in same boat I am and they are doing the same thing to her. I think I will get with this other person and see what situation they are in. I am sure there are many people in same boat. Wells Fargo keeps stating they try to get in touch with us, but we are the ones getting the run around. New specialist every month, that specialist has no clue what is going on. and process starts all over again. They responded by saying I have not paid. True, I have had finical hardship due to medical issues and they house in need a major repair, which every time I have tried to talk to Wells Fargo they can not help in any way. No matter how much you try to explain to them the situation or explain the loan is only for XXXX, they say they need XXXX. I am not sure where they get that. Even my realtor can not understand it. I think I shall just get a Lawyer and file XXXX or get with other home owners who have been through same and file civil suit. Obviously there is no other solution. Wells Fargo is the one who will not work with us, not the other way around.
Product: Credit reporting or other personal consumer reports

Im writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : XXXX XXXXAccount Name XXXX XXXX XXXX XXXX XXXX XXXX  ( Also known as XXXXXXXX XXXX XXXX  XXXX ) XXXX XXXXAccount Number XXXX XXXX XXXXXXXX XXXX XXXXDate Opened : XXXX XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Mortgage

I am disputing the results of Wells Fargo 's investigation into my claims of Predatory Lending and Mortgage Fraud
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX Social Security # : XXXX Date of Birth : XXXX/XXXX/XXXX Dear RECEIVABLE MGMT SVCS XXXX, I, XXXX XXXX , am composing this formal complaint against RECEIVABLE MGMT SVCS XXXX concerning your collection practices related on account, purportedly initiated on XX/XX/XXXX, carrying an outstanding balance of XXXX ( Account number XXXX XXXX ). I want to emphasize that I have not granted RECEIVABLE MGMT SVCS XXXX or any of its affiliates, permission to access or report information on my credit profile. This unauthorized action has caused me significant distress, leading to credit denials. I contend that RECEIVABLE MGMT SVCS XXXX may have breached specific laws, as detailed below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : RECEIVABLE MGMT SVCS XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) But yet still placed a collection on my consumer report.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute this inaccurate information, this is a violation of my rights as a consumer.

RECEIVABLE MGMT SVCS XXXX is violating my consumer rights by using false, misrepresentation, misleading and deceptive means to collect this debt.

Your collection agency has no authority to furnish any account/s to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of Violation of 15 USC 1681-s2 ( 7 ) ( a ) and 12 CFR 1006.34 ( D ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized access of a consumer 's credit report. RECEIVABLE MGMT SVCS XXXX actions may have involved unauthorized access to my credit report, which is a direct violation of these statutes.
Product: Debt collection

I have been getting monthly automated calls from " ERC '' asking me to contact them about a debt at this number:XXXX with reference number : XXXX. In the past when I answered the phone call with a human voice on the other end, they would ask for an individual I have never heard of and would ask that they not call again, I have since stopped answering the call and now get a the robotic voice mail. I need this repeated calling to cease as this is not my debt.
Product: Checking or savings account

My identity was stolen in XXXX of this year. The thieves said they worked for XXXX XXXX, a legitimate company, which I had used previously for computer protection. 
Along with other money I have lost, my American Express XXXXXXXX monies were transferred to an American Express XXXX  account that I did not open. 
{$41000.00} was taken out of my American Express XXXX account and transferred to an American Express XXXX account in my name that I DID NOT open. I did not authorize this and now my funds are gone. 
On XX/XX/XXXX, {$4900.00} was transferred out of that checking account and wire transferred to XXXX. On XX/XX/XXXX, {$19000.00} was wire transferred to XXXX XXXX. On XX/XX/XXXX, {$16000.00} was wire transferred to XXXX XXXX XXXX. 
I do not know XXXX XXXX nor have had any dealings with XXXX XXXX XXXX. Several accounts were also opened in my name that I did not authorize ; XXXX XXXX, XXXX, and XXXX. 
I have had this savings account for many years. I transfer money from my XXXX XXXX XXXX account monthly to this savings account. Normally, {$2000.00}. 
After calling and talking to several American Express employees in the fraud department over several weeks, American Express has sent three letters to me, all dated XX/XX/XXXX. 
Each letter had a different case number according to dates and dollar amounts taken from my account, as indicated above. American Express stated, in all three letters the following, " Based on the results of our investigation, we do not find that any error occurred. Therefore, no funds will be credited to your account as a result of this dispute ''.
Product: Student loan

I borrow money to go to LPN school in Florida from XXXX/Navient and I needed to take a private loan out to pay school. Disbursement Date XXXX/XXXX/2007 Original Principal {$15000.00} The Unpaid Principal is now. 
{$24000.00} During that time we hit financial hard times and I was unable to finish school or even pay. Constant threats. Now years later I finally finished XXXX school and have been trying to make payment but the original payment was too high so went to income driven plan. In the last 3 years I have made regular payments to see my principal keep increasing. The payments even on the income driven plan keep going up. I will be in debt forever the way they are working this out. Please help. 
XXXX XXXX
Product: Mortgage

I have a XXXX home mortgage. I signed on with a company called Paymap ( Accelerated payment program ) in XXXX or XXXX. I paid this company {$9.00} a month to accelerate my XXXX payment by making additional payments towards my principal. 

In XX/XX/XXXX I noticed the name had changed on my online statement from Paymap Inc. to EARN UP. 
Earn up was taking out {$1100.00} every 2 weeks ( where as Paymap was taking out {$980.00} every 2 weeks ). I called to inquire why an increase from {$1900.00} a month to {$2200.00} ( an increase of {$320.00} a month ). 
Earn up said they acquired Paymap on XX/XX/XXXX and they weren't removing enough . 
I cancelled the EARN up service and was refunded money due to me. 
My question is how to contact Paymap ( Payment equity accelerated ) to be refunded for the {$9.00} a month they charged me without providing the service i was paying for for years? 
According to the XXXX representative he said Paymap added XXXX cents on to my payment. 
The agreement was they would be adding enough on to my monthly mortgage payment to be equivalent to 13 payments being made instead of 12. Thank you, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, XXXX XXXX XXXX XXXX XXXX XXXX, which appears on my credit report. I am requesting that this collection be removed from my credit file within 7 days due to the following reasons : XXXX. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, 15 U.S. Code 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within 30 days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report. 
XXXX. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, 15 U.S. Code 1681i ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA. 
XXXX. Time-Barred Debt ( State Law and FDCPA, 15 U.S. Code 1692f ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation. 
XXXX. Failure to Notify of Debt ( FDCPA, 15 U.S. Code 1692g ( a ) ( 1 ) ) Under the FDCPA, you are required to notify me in writing within 5 days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA. 
Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within 7 days of receiving this dispute. 
Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2022 my car was repossessed and that day I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( chase ) without my permission and then the chargeback was denied the next day. The loan company, XXXX XXXX XXXX, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both XXXX XXXX XXXX and Chase countless times and neither of them state that they have the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX  / XXXX XXXX ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX. As of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE NOT MY INQUIRIES AND THEY NEED TO BE REMOVED.
Product: Debt collection

- I purchased 1 laptop in XX/XX/XXXX - XX/XX/XXXX the laptop was damaged turned into a repair center : XXXX I had Full replacement insurance - Conns Issued me a replacement Laptop with my full warranty - Conns reported on my Credit that I possessed 2 laptops and charged me for 2 laptops with 2 contracts - since XX/XX/XXXX I have been fighting to get the other laptop that is in possession of conns off my credit report and Conns has refused too - Conns lied and added an additional contract, which I did not agree to to another contract. I have all paperwork and contracts. 
- Both Contracts have the same exact product on each contract with the same unit, and charged me for 2 laptops - To this day, Conns has not settled the matter.

- I was sent collections settlements for 2 laptops that I do not have possession, but conns has the laptops at their repair center, which were never returned to me, but I have a contract -
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. 
XXXX  Accounts listed 
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  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 cannot 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 or other personal consumer reports

fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

On XX/XX/2018, I attempted to make a {$300.00} cash deposit at the PNC Bank ATM on XXXX XXXX, XXXX, SC. The ATM was down for maintenance, and the branch office was already closed. As I have an automatic draft that is submitted on the XXXX of each month, I was attempting to make this deposit to cover this check. As the PNC owned ATM was down for maintenance, I went to the next closest ATM, a XXXX XXXX ATM up the street, as the next closest PNC Owned ATM is in XXXX, NC. The cash deposit showed up into my account as a pending deposit. This deposit did not clear until XX/XX/2018, resulting in two overdraft charges of {$36.00} each, a {$3.00} ATM usage fee, a {$3.00} Balance Inquiry Fee and a {$7.00} continuous overdraft fee. I have filed a complaint with PNC Bank on, and I was informed by their Money Management department that the fees were correctly charged to my account since I chose to use a non-PNC owned ATM to make my deposit, and my claim was denied.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Numbe : rXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Money transfer, virtual currency, or money service

I am in a temporary rental at XXXX XXXX XXXX. in XXXX, XXXX. The lease states several forms of rent payment : check, credit, debit, or autopay. Credit and debit cards incur an additional 3.49 % fee. However, the only form of payment they accept is autopay through XXXX. 
***TurboTenant uses XXXX which insists on the client providing log in identification and password to their bank accounts***. 
All it takes is 1error with a decimal point or 1 breach to wipe us out. Additionally, I have experienced multiple problems setting up an account through XXXX 's email links. When one gives bank info with them conducting XXXX mini deposits and withdrawals, their site always claims the reported amounts were wrong when they weren't. The landlord actually came to the apartment where we set up a XXXX way call where I could relate all of the online problems. There was supposed to be an additional call on Monday from the XXXX contact person ( XXXX? ) where I would try to reestablish an account to pay rent as their site reported me as being delinquent on the deposit and rent. The contact person would provide assistance as needed. I never got a call in Monday ( XXXX week of XXXX ). I can not directly reach XXXX through the email this contact person sent nor do I have a phone number for them. The only people who have direct links to XXXX are the landlords. Even the website is geared only to landlords. 
Even though checks are not accepted, my landlord actually had me write out XXXX checks to XXXX XXXX for the deposit and the rent payment because I'd been struggling for 2 days with the XXXX online site and my accounts were listed as past due. 

1. For any agency handling our rent monies, we should have direct contact access by email, or phone numbers. A client should not have the only source of contact as an automated response entity that confuses the message and does not give accurate responses 2. No agency should demand, or have access to our sign in identification or passwords for direct access to our bank accounts, NO exceptions. We never give them to anyone else.

3. A client should have the right to an agency account number for the specific apartment to directly set up the " bill pay function '' with their bank to lessen the likelihood of breaches 4. When an agency specifies more than XXXX form of payment for rent, those methods of payment should be honored. XXXX them is a deliberate misrepresentation 5. A debit card has direct access to a client 's bank account and should not incur a 3.49 % fee for use 6. We should have more than 1 option for rent payments. XXXX XXXX is a more reasonable option as a secondary source of payment as the customer pays a smaller fee to use their service. 
XXXX. XXXX is just a few days away and I still have not been able to set up an account. Regardless, I do not want to give any third party a direct access to my bank account with my sign on ID and password.. Once again, I will be marked as delinquent in rent payments with the strong possibility of adverse reports to the XXXX credit reporting agencies which will ruin my clear record and credit rating.