23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am sorry at my Complaint ID XXXX XXXX - XXXX submitted on XX/XX/2020, I wrongly put XXXX XXXX XX/XX/XXXX Account number instead of the WFG file number as my Complaint IS NOT with XXXXXX/XX/XXXX but with WFG Lender services & their File/Escrow No. XXXX. 
With this I just want to clarify this fact and my mistake. 
I hope to will VOID my previous Complaint ID XXXX XXXX - XXXX submitted on XX/XX/2020 and take this one as the actual COMPLAINT. 
MY PREVIOUS COMPLAINT We closed the refinancing from XXXX XX/XX/XXXX and WFG Lender Services ' Representative came to our house and we signed all required loan disclosures on XXXX XX/XX/2020. The Closing disclosure shows the disbursement of our balance loan payment to XXXX on XX/XX/2020 and the balance of the 1st mortgage loan as {$340000.00}. However, the WFG Lender service representative failed to wire the funds until XX/XX/2020. Further the XXXX payment shows that the actual payment made to XXXX bank was $ {$340000.00}. This means that WFG Lender services still holding our balance of {$65000.00}. I am unable to get hold of the Escrow Officer Ms. XXXX XXXX on telephone and she failed to return my calls. 
In addition, WFG lender Services failed to respond to my email letters too as of this day. A copy of the email is enclosed herewith. Failure to return the overpaid Escrow money to the customer even after around four weeks and failure to provide full disclosure of the Escrow money and return this to the customer promptly is not only unethical practice but it may be even illegal practice. Nobody seems to respond to my telephone calls and not even my email letters. I am NOT sure if they just want to pocket this escrow money. I hope you may be able to take the appropriate action about such unethical & illegal practices of WFG Lender services which is also Title company. I and my wife are retiree and hoping to seek you help on this matter. 
Thank you for your help and have a great day. 
XXXX XXXX, My Cell Tel XXXX XXXX XXXX, My email Address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX  DeptedXXXX, DeptedXXXX, DeptedXXXX  DeptedXXXX DeptedXXXX  In accordance with Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In XX/XX/XXXX I contacted my phone company, XXXX, to notify them that I had recently joined the military and would be sent overseas for my assignment. 

I requested my account with them be put on hold until I returned to the USA and the agent I spoke to agreed to put my account on hold for up to 24 months. I was told that if I needed to use my phone service again I would need to contact them to reactivate the account. 

In XX/XX/XXXX I returned to the USA on leave and I contacted XXXX to ask them to reactivate the line so I could use my SIM card while at home. The account was reactivated and I paid to cover one month of service. I informed the agent I spoke with that I would only be using it while in the States and was told that I needed to call back when I left the country to put the account back on suspense. 

On the XX/XX/XXXX or XX/XX/XXXX I called back to XXXX as I was returning to my duty station and requested the account be put back on suspense. After speaking with that agent she confirmed that the account would remain suspended until XX/XX/XXXX. 

Approximately 3 months later my mother notified me that I had received a bill from XXXX in the amount of {$380.00}. I called customer service to resolve the issue and was told that the account was never put back on suspense because XXXX had no record of me calling and they had continued to charge me because I was on a post-paid account. 

I assured them that I had called but since it was essentially my word against the companys records, the agent I spoke to ( XXXX - # XXXX ) checked the account usage and confirmed that there had been no activity on the account since the dates I provided. 

We got on a conference call with a Care Team manager and his best solution was to suggest that I pay the balance, and they would switch me to the military plan. I told him that I was not going to pay for services that I have not used and that the records clearly reflect that I havent used, and I needed to be pointed in the correct direction to resolve this issue. I needed the account cleared and put back on suspense. 

That was the extent of his assistance so we ended the call to him and XXXX sent me an email with his information and suggested I call back at a later date and try to get through to a different manager. 

I called back a few weeks later and spoke to a different agent ( XXXX - # XXXX ) and she went through all the notes from my convo with XXXX and said she would be submitting the account for review, and I should log in online and check the account on the XX/XX/XXXX. 

When I logged in on the XXXX the account was clear, all the balances were at XXXX, and it seemed like everything was resolved. Now as of a month ago ( XX/XX/XXXX ) Ive started getting collections notices from the offices of XXXX XXXX, Attorneys at Law trying to collect debt on the account that was supposed to be cleared, in the amount of {$380.00} and Im reaching  out to all available avenues for assistance contacting XXXX and getting this resolved once and for all.
Product: Student loan

XXXX ( now Navient ) did not do what I asked them to do, and misled me. Around 2010 I became aware of the Student Loan Forgiveness Program and called XXXX to enroll because I work in the non-profit sector. XXXX had me move my loans to the DOE and said I was enrolled. But they did n't tell me that I was not in the correct repayment program so my payments since then have not actually counted. When I found out about this last year I called them and they said they would review their notes and get back to me - but they have not contacted me since.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : I don't recognize this account
Product: Bank account or service

Billing or Collection Issues - The company has processed an unauthorized bank debitProblem : i get my ss money thur direct express debit card on XX/XX/2015 @ XXXX i went to atm my card was declined, @ XXXX i called bank, was told on XX/XX/2015 someone in XXXX fl, request change address and a new card in my name, it was sent out, on XX/XX/2015 in XXXX transactions my acct, was wiped out, i want this company to give me my money back,,, i have filed police report wth XXXX city police, XXXX XXXX @ XXXX report # XXXX, went to ss office had them change to another bank so on XX/XX/2015 my money will go into new act,, the direct express card was, closed, i filed on line police report wth XXXX police dept, also, also filed fraud wth federal trade commession, ref # XXXX, and credit agency.and filed wth idenity theft resource center, ,please help if you can,,
Product: Debt collection

On XXXX I mailed a notarized affidavit to PORTFOLIO RECOVERY ASSOCIATES , LLC asking them to provide verification, validation and authenticated accounting information for an alleged debt listed on my consumer report. So that I may study all evidence regarding the alleged debt. As of today 's date, I have not received the requested information or any correspondence. PORTFOLIO RECOVERY ASSOCIATES , LLC is refusing to terminate enforcement and collection of the alleged debt or provide proof. On XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC were mailed a notarized notice of default Affidavit for noncompliance. They are in default and I will be filing a court claim in one week. I am reporting them for violating my rights as a consumer, FDCPA and UCC.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged.

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Company Name : XXXX XXXX XXXX  XXXX - Account # : XXXX
Product: Checking or savings account

On XX/XX/2022, my Chase Bank debit card was stolen along with my phone and drivers license. They withdrew money from two of my accounts at two different Chase ATMs for a total of {$4000.00}. They withdrew {$1000.00} from one account and {$3000.00} from my second account. They were able to withdraw from both accounts because my debit card is linked to both accounts and they can pull up my balance for both. The transactions online have the ATM addresses on them. I called Chase to freeze my account and to open a dispute for the fraudulent charges. Chase froze and locked my account that day. I also filed a police report with the local police department and a detective is on my case. On XX/XX/2022, Chase sent temporary credit for my first account for {$1000.00}. On XXXX XXXX, Chase finished their investigation and agreed it was a fraudulent charge and let me keep the credit. On XX/XX/2022, Chase sent temporary credit for my second account for {$3000.00}. On XX/XX/2022, Chase closed the investigation and said the charges were authorized and they are taking the {$3000.00} back on or after XX/XX/2022.
Product: Money transfer, virtual currency, or money service

A few months ago I was informed they were snatching money that I deposited in my account and some other transactions totaling up to XXXX dollars. There were a few instances were I had to call to see if the rebuttal was checked since I attached new evidence with a automated response that said they wasn't gon na change their decision.
Product: Credit card or prepaid card

Capital One does not show any details on balance transfer promotions on the monthly statement. I have never seen this on any other credit card company. The norm is, date started, the balance, the amount of interest deferred, and the due by date for when promotion ends as to not be charged the deferred interest amount. Capital one only provides balance with no end of promotion pay by date. When I called, they said they would note my complaint. When I asked for what the payoff amount would be for each promotion, they would not give me an amount, they could only give me the amount from last statement. I told them I have paid {$2600.00} since last statement so that cant be the correct amount. They eventually hung up on me.
Product: Debt collection

XXXX XXXX account XXXX I never received the sim card and never use XXXX XXXX 's service for even 1 minute. I cancelled the account as soon as i realize the t mobile service will not be feasible ( as sim card never came ) Both of their representative were able to prove that and settle my account. Convergent cointinues to send me letter saying i owed them {$120.00} and claimed i used such service. This is false statement and wrong charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Fortiva MC/TBOM for which I did NOT authorize. I have contacted Fortive multiple times and they keep sending me a form letter saying that I applied for a XXXX  credit card, which I did NOT. They have a " Pre-Qualify '' link with NO impact to credit report which is ALL I did. I did NOT authorize nor did I apply for a XXXX  account. I need your help in getting this inquiry off of my credit reports. Thank you in advance for your help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this
Product: Credit card or prepaid card

Received bill XX/XX/XXXX - Paid bill thru online bank XX/XX/XXXX - Chk cleared bank XX/XX/XXXX. 
Recd XXXX letters on XX/XX/XXXX stating they did not have enough info to post to acct money placed in their unapplied payments account. Form wanted acct # /name/addr/city-state=zip. On XX/XX/XXXX called Cstmr Svc and talked with XXXX people last was a Suprvsr who said she would forward info to correct dept and check on XXXX to be sure it had been handled. Since XX/XX/XXXX multiple emails have been sent back and forth with the last on XX/XX/XXXX stating they were still working to resolve this dispute. Bank has XXXX  as primary so chk was issued under her name ( sans my last name ) addr/cty/st/zip same as what is on their acct. Pointed out imprinted info matched their acct except name but, thru emails they have all info pertinent to applying {$300.00} from unapplied payment account to my account. To date they have been unable to rectify the problem.
Product: Money transfer, virtual currency, or money service

I created an account on XXXX XXXX under the auspice that I would be able to easily transfer the funds via the platform Gemini ( 'Cash out to Gemini - Anywhere ' they advertise ). I deposited thousands of dollars and used the XXXX platform. When it came time to withdraw some funds, I tried to create a Gemini account near the end of XXXX. I submitted documents in accordance with their verification process, including a scan of my passport, government ID and I believe a document with my address. Their international requirements were a little grey and on XX/XX/XXXX received an email stating : " Thank you for providing your document ( s ) for review! We're excited to have you join the Gemini community ; however one or more of the documents did not meet our verification requirements. 

You have submitted an invalid ID type. To proceed with the identity verification process please upload a full and clear image of your driving license or National Identity Card from your country of residence so that our team can complete verification. '' From this message it was unclear which document was invalid and why. I inquired with support but never got a reply. Because I don't have a driver 's license, I acquired a new piece of government photo ID for the sole purpose of verifying my account. 

In midXXXX  I submitted my documents, including new piece of valid ID, and expected to be verified but never was. My verification status continues to say " Pending '' and I have not been able to receive a response from a human in customer support.

Having waited over 2 months for my account to be verified while my money was held hostage, I looked for solutions online and found that others ( there are MANY others ) had had success closing their 'pending ' accounts and creating new ones from scratch, so I gave it a chance.

However, when trying to create an account using a different email address I was immediately notified that the new account had to be closed. 

" Due to a recent account review, Gemini has determined your account must be closed. Unfortunately, we are not able to elaborate on the specifics for this decision. If a balance remains in your account, please contact XXXX '' So, now have over {$6000.00} USD locked on XXXX XXXX with no apparent way to access it, while the company profits off the recent increases in cryptocurrency value. Gemini acquired XXXX XXXX in XXXX. The exclusive relationship would be tolerable if users could actually create accounts and withdraw their funds. The industry standard for verifying accounts is typically a few DAYS, weeks and months without any communication is negligent.
Product: Payday loan, title loan, personal loan, or advance loan

I previously held XXXX lending accounts with Ally Lending, both of which were paid off by XX/XX/XXXX. However, I noticed charges to my account starting from XX/XX/XXXX, totaling {$1000.00} each on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, I only became aware of these charges in XX/XX/XXXX. Upon contacting Ally, they informed me that the charges were for a different account, XXXX that I have no affiliation with. Despite this, they have refused to issue a refund. I am perplexed as to how others could have obtained my account information, especially considering there have been no other suspicious activities detected. I firmly believe that Ally should refund the charges and seek reimbursement from the appropriate account holder.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

In my capital one banking phone app, there was an offer for {$45.00} for signing up for the capital one shopping app. I signed up and followed all the steps and once I finished there was no bonus. There was not even any evidence that the {$45.00} would even be on the way. Nothing at all. When I called and messaged support they showed no evidence of the bonus either. Would have taken a screenshot of the original offer but its now gone. Never assumed my own bank would scam me like this. There was no number to call for support, only an email, so basically I can forget about ever getting that {$45.00}. Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own private property in XXXX XXXX. I own several parcels of land which are bordered by a fence. This company placed credit repair signs on my fence. I removed these signs, but new signs were placed on my fence again. This has happened several times over the past year. This company is trespassing onto my private property and placing signs without my permission. The sign reads Fix Your Credit XXXX XXXX. When you XXXX the number, its comes up as American Credit Repair I called the number and they identify as American Credit Repair. I asked them to stop advertising these illegal signs, however, they keep putting the signs back up. Moreover, this company has admitted guilt on the XXXX  website ( they also have an F rating. ) Placing signs on public and private property without permission is a misdemeanor in the state of California. Please sanction this company. 

Also, their contract states they are a non-profit corporation, however, they are not a registered 501 ( c ). I have a copy of their contract. This is a violation of consumer protection laws.