23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The DCU is default and non performance of acceptance of accord and satisfaction with negotiable instrument NJ 12A 3-311. They have accepted accord and satisfaction from the borrower by electronic funds transfer in XX/XX/2023 and by postal money order in XX/XX/2023. They have received bona fide dispute for Billing errors, an opportunity to cure, notice of default and notice of non performance. All Send via certified mail direct to the CFO CEO and Board Members are currently holding a payment and not applying it to the account. They are violating G A A P and not returning the instrument in an alleged attempt to harm the credit profile by forcing a 30 lapse to hold the borrower without honor. Duress payments continue to be main while DCU continues non performance and other legal matters may take place. DCU has been given questions to answer under penalty of perjury and has yet to address The Borrower, who Is a member of DCU, therefore non compliance to their governance to be accountable to their members by not addressing any of the concerns. The resolution is adhere to your guideline of following state law and statues by honoring the Accord and satisfaction and complete the accounting.

The entire agreement is challenged to its validity as DCU has not answered any questions posed to them with in the Borrowers right under the FCRA FDCPA TILD the borrow has right in the transaction.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Credit card

I closed my barclays credit XXXX in XXXX of 2024. I was recently billed for a charge on my closed account. I was told i need to resolve this with the vendor.
Product: Consumer Loan

This loan is with Wells Fargo. The account number is XXXX. My credit report says that I am current, current but past XXXX days XXXX times. I was not. In XXXX of XXXX I was late with a payment. I was under the understanding that all the money that I had paid extra each month had me paid ahead and I was under the understanding that I was XXXX months ahead. It was applied to the principal. As soon as I found out that I was late I paid the money. That is the only time that I was late and not 30 days late. They have me listed as late in XXXX, XXXX and XXXX and I most certainly was not 30 days late and have the canceled checks to prove it. I have disputed this account many times including with XXXX. I pay my mortgage regularily and have not once been 30 days late. They ca n't even get the dates right. Each time I dispute the accusation, all I get is the response, no that is correct and that is it. They ca n't respond anymore than that because the dates are wrong. On my home equity line of credit, they have me listed as late once. NO I WAS NOT. They have the wrong account number on the pay stub every month. My accout ends in XXXX and the stub always ends in XXXX and until it was caught they called me late. To this day is still says XXXX and I have to cross out everytime before I pay or I am stuck in line for a half an hour while they try to figure it out. I have called and complained on this as well and they simply say no it is correct. This bank is run by idiots and is a crime to anyone with common sense. They are only trying to hurt me and my wifes name because we got an attorney involved to dispute fraudelent charges on some lines that we had. I have been told by a friend in upper Management at Wells that Wells has contacted all of the local banks and not to lend to me and that Wells is to be contacted if I go to their banks looking for money to borrow. This is black balling and is a crime in the United states of America and suit will be pending if this is not corrected. This is a serious crime and demands direct attention.
Product: Mortgage

To whom it may concern : My name is XXXX XXXX and I was the owner of a foreclosed property located at XXXX XXXX, XXXX XXXX, CA XXXX. I 've filed numerous complaints with CFPB on my servicer, Residential Credit Solutions , Inc . I am writing to you because I need your help. My servicer, Residential Credit Solutions , Inc ( RCS ) foreclosed on my property illegally. I was in process of a loan modification that was UNDER REVIEW on XXXX/XXXX/2015 after the property sold on XXXX/XXXX/2015. I have tried to get a loan modification numerous times with no success and they finally reviewed my completed loan modification application submitted by a HUD Approved counselor on XXXX XXXX, 2015 and ( REOCO a department within RCS ) did n't check with the underwriting department to verify that they had changed my loan modification Status To Under Review to modify my mortgage payments to an affordable amount. I have begged you to help me stop them from a wrongful foreclosure, not get help to modify my loan, unprofessional service, no point of contact person, losing documents, rude behavior and derogatory statements made to me. RCS Violated California Housing Bill of Rights Laws. RCS refused to tell me the name of my lender and it is not the name on my Deed of Trust. The lenders name is public record and I should have known the lenders name before RCS foreclosed on my property. Im certain that if RCS had given me the name of my lender I could have Avoided Foreclosure on my property. Knowing the lenders name before XXXX/XXXX/15 could have helped me go through programs XXXX XXXX had specifically for their borrowers. Not knowing the lender 's name and the correct lender name not on the Deed Of Trust caused me to lose my property to foreclosure. I have no where to go and I have an eviction on my refit report and should not. What can you do to help me because RCS IS WRONG and have got away with it too many times and they sold my home? How do I get my home back because California is a redemption state? You must intervene and help me Stop RCS from these illegal practices and get my HOME BACK before it 's too late. 
RCS evicted me from my property ON XXXX XXXX, 2015 and all of my personal documents and some furniture is left in the house. I can not rent another place with an eviction on my credit report. 
I recently found out the name of my lender this year on XXXX/XXXX/2015. HUD approved, counsellors, attorneys and I requested the real name of the lender from the servicer, RCS and RCS refused togive it to us. Since the servicer, RCS did not give us the lenders name I missed ON IMPORTANT AND VALUABLE OPPORTUNITIES THE Lender offered to their borrowers. Specifically, I missed out on applying through the lender for valuable programs to help struggling borrowers, such as myself. 
I need your help as soon as possible. This is an emergency situation before I lose the home and my personal things forever. Please Help this can not wait it is urgent and need priory assistance. 

Cordially yours, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested a balance transfer due to a 0 % APR offer from my BBVA credit card to pay off my XXXX XXXX credit card for {$890.00} which posted to my BBVA credit card on XX/XX/XXXX. A few weeks later, I noticed XXXX  XXXX had not been paid and contacted BBVA. They told me to allow up to 30 days ( absurd ) for XXXX XXXX to receive the funds. I waited 2 more weeks and contacted BBVA again to let them know XXXX XXXX was still not paid off. They opened a ticket to do research and found that the balance transfer was sent to XXXX. I DO NOT have a XXXX  account! After another month went by they said once they contacted and received the funds back from XXXX, they would credit my card. I have contacted BBVA several times in the last 4-5 months that this has been going on, on numerous occasions and I keep explaining every time and am getting the runaround. Today alone XX/XX/XXXX, I have contacted them 6 times and spoken to 5 people, twice got disconnected, so would have been 7. I have been paying on 2 credit cards, XXXX XXXX with interest for 5 months for no reason. I should only be paying BBVA. Now theyre telling me to contact XXXX  which I did like an XXXX knowing they couldnt help me because I dont have an account with them. One of 2 things needs to happen as Ive explained to BBVA today, one, my BBVA credit card needs to be credited or two the transfer needs to be sent to XXXX XXXX like what was supposed to happen in the first place. Oh, and by the way, I have had a few ticket # s which they always seem to close. They closed one today and opened another upon my request. PLEASE HELP!!!
Product: Credit card

On XXXX/XXXX/2016 I purchased a cell phone for XXXX XXXX. At the time I had reservations about service coverage but I was told by the cashier I had 30 days to return the cell phone. I received poor reception in my area so I went to the XXXX XXXX XXXX Walmart to return the phone. Despite having the receipt I was told I could not return the phone because the return policy is 15 days. This is not fair, the phone is in perfect condition, I do not want nor need it, and I was given incorrect infomation from the store employee at purchase.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021, I submitted a wire transfer from my Wells Fargo savings account to XXXX XXXX for the amount of {$17000.00}. On XXXX XX/XX/2021 I contacted Wells Fargo and spoke to XXXX who filed a dispute/claim after I told him I needed to stop the wire because the item I was purchasing was no longer available. Today XXXX XX/XX/2021 I spoke to XXXX in escalation and she said there were no notes attached to my claim stating that anything has been done with the claim yet. I asked to file a formal complaint and speak with an executive with the organization. Ive yet to receive a call to discuss my issue with Wells Fargo. Im asking the Federal Reserve to please step in and hold this bank accountable to perform its duties and track the wire transfer down. Ive provided all the information they needed to include the account/routing number to the account it was sent to. I also provided the name and phone number to that account holder who is more than willing to assist in making this right. Ive spoken to that individual and nobody has made contact with him from Wells Fargo. XXXX XXXX  where the wire was sent has also stated Wells Fargo has not contacted them. Thank you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All Financial institutions that furnish information to nationwide consumer reporting agencies, such as XXXX, Equifax and XXXX to ensure maximum accuracy on consumer reporting. However, These agencies have violated FCRA 15 U.S.C 1681 E ( B ) & 1681 I by willfully and negligently failing to follow reasonable procedures to ensure maximum accuracy in its reporting and failing to reinvestigate my dispute reasonably. This action also violated 1681 N ( willful violations ) & 1681 O ( negligent violations ) There is no reason why anyone could or should not rely on information provided by the furnisher to accurately report this error to the CRA without some allegation to be labeled as unreliable & untrustworthy I notify the furnisher, the address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher thereafter reports the correct information to CRA. Which is shown in documentation attached Therefore all inaccurate information that was reported prior to the correction to the CRA that affects creditworthiness must be deleted from my report because it is proven to be inaccurate once the furnisher updated the information to validate the account
Product: Checking or savings account

On XX/XX/22 my card was stolen and 20 % of my balance was drained immediately as soon as I parked ( was driving when it happened ) I went into their app and did the appropriate action to flag the transactions in their system as well as calling them the following day to check the status it's now been 2 weeks after the event and I still have no resolution to the problem
Product: Credit card

I knew I would not have enough money to pay off my credit card and my monthly rent, so I made a payment to my Wells Fargo credit card for nearly 4 times the minimum due payment. This payment was from my Wells Fargo checking account. The very next day Wells Fargo decided to auto-draft a payment of {$1000.00} from my checking account. I cancelled the auto-draft a month earlier, specifically because they kept on taking huge chunks of money from my checking account. The auto-draft came out of my checking account, which only had XXXX dollars in it, so they then charged me a {$35.00} fee. So now I 've got a XXXX plus XXXX dollar debt on my checking account. Then had the nerve to tell me that they did me a favor by completing the auto-draft transaction -- which is why I was charged the {$35.00} dollar overdraft. Otherwise, the payment ( that I did not want or authorize ) would have bounced! Which is insane, because there was no payment due. I called the bank and explained the situation and they told me it could take up to two billing cycles ( up to 60 days ) to reclaim the money that they stole from my checking account. I 'm currently awaiting the " reversal '' to be researched and processed. THIS IS COMPLETE NONSENSE. I went to the bank, to speak face-to-face with a personal banker. She explained that my only options included waiting, taking out a personal loan, taking a cash advance from my credit card, TO COVER WHAT THEY STOLE FROM ME. At that point I walked out, red, and infuriated. I ca n't believe that this bank would steal my money, hold it hostage, charge me fees, then offer me a loan to cover what they took from me. I can not pay my rent. This is shameful and disgraceful. Once I am made whole, I will have to find another financial institution. It is my hope that someone out there actually respects the fact that these numbers they play with on a daily basis, are attached to real people, with real obligations.
Product: Credit card or prepaid card

I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
Product: Mortgage

I purchased a home in XXXX XXXX. In XXXX XXXX, my mortgage was sold to SLS. I immediately began getting threatening letters from SLS about " inadequate insurance '' and was told I must make arrangements for coverage or face fines / litigation. According to the terms of my loan, property insurance is paid through my escrow account, however I have concerns that SLS is not acting within the law regarding collection and distribution of escrow funds. I did some further research and discovered that SLS has a reputation for such unethical activity. I am now in the process of refinancing with a reputable company, am worried about what SLS 's misbehavior will do to me financially until it is no longer my mortgage servicer. Please investigate and let me know what steps I should take to address this issue. Thank you
Product: Payday loan, title loan, or personal loan

I applied for and received an unsecured personal loan from Bankers Healthcare Group for a very high interest rate. 17.99 % for 96 months. Bankers Healthcare Group sold my loan for the principal plus future interest to another bank, at 6 % interest rate for 96 months. The monthly payment remained the same, but the principal due was higher by almost 70,000, and they claimed that the loan was now secured by my practice assets. I did not receive the additional principal. Bankers Healthcare Group profited that from the sale of the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Placed on my credit report a debit for {$980.00}, this dropped my score over 90-Points.

Then placed on my account another debit over {$2500.00} and this hurt my score over a 100-points. I disputed two accounts and one was deleted from my credit report for a reason!

Months ago I called and requested for proof of debit again and this would be my 4th time. I asked for proof that they have obtained my Medical Files.

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have 3 accounts.

So since I remember disputing two and one was deleted from my credit file, it shouldn't still be an issue but it is and now it's 3.

I asked again for all 3 account numbers. 

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts. 

So for this complaint I am reporting 3 accounts, one was REMOVED FROM MY CREDIT FILE and one is still there and also this other account.

One or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report Medical Debt on my credit files. 

This same complaint will be sent to XXXX, Equifax and XXXX.
Product: Debt collection

On or around XX/XX/XXXX, I received a letter from a collections from a company called XXXX XXXX XXXX stating that this company is trying to collect on behalf of XXXX XXXX. When I called the company and asked for info regarding the bill, the collection company states that this was a bill for services rendered by XXXX XXXX in XX/XX/XXXX. I  recall having XXXX XXXX but I cancelled my service at the end of XX/XX/XXXX and should not have been charged for XX/XX/XXXX. I requested proof of services rendered from the collections company XXXX XXXX XXXX  XXXX. On or around XX/XX/XXXX, I received the XXXX XXXX bill that is attached as a part of this complaint. This is bill does not show any services rendered, it simply states that this bill is a bill that is based on a different prior bill. Additionally, it references equipment that I know was returned and was confirmed by XXXX as returned. The bill provided by the collection company did not provide proof of services rendered that I requested and is therefore an illegal collection practice.
Product: Checking or savings account

I opened a checking account with TD Bank in XX/XX/2018. I was told for the first 90 days my deposits would likely get a hold placed on them, including my paycheck. I was okay with this and understood. However, it's been well after 90 days and my paycheck gets a hold placed on it continuously. I get paid bi-weekly, generally the same amount, and I'm told by the tellers that the funds should be available the next business day. In my experience with banks, usually the funds are available Saturday if you deposit Friday, however this has not been the case except for one time. Since opening my account, my paycheck has not cleared as expected except for one time. This causes me to have to visit a branch, I've been to multiple locations and spoke to managers at 3 separate branches. I'm told these holds are dynamic, and that they can release my funds manually but can't give me a reason why it's happening. I've been assured it will be handled, but it still has not. I'm afraid to deposit my check into my account because sometimes the hold lasts 3-4 full business days, almost a full week from the deposit date. I have automatic bill payments going through, as most people do these days, and it will cause overdrafts, which I have to spend more time in the branch getting refunded.I keep being told the " back office '' needs to fix the problem, however consumers can't actually speak to anyone there. I went into the branch in XXXX, FL today, and spoke to XXXX ( XX/XX/18 ). He said he saw notes on my account relating to the problem I describe, but couldn't provide any details or updates. I just don't think I can deposit my paycheck again with TD Bank, it's becoming such a burden and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted via a credit monitoring service that a late payment was reported to an account. I investigated and found that personal loan company Upgrade, whom I had paid off entirely last year, and had no late payments ever on, had sent all the bureaus notifications that I had XXXX 180 days or more late payments. After the shock wore off, I immediately reached out to Upgrade and received an email that admitted their error in reporting false information and that they had " taken steps to correct the information with all 3 credit agencies ''. I was in the process of purchasing property, my score tanked and I has to withdraw my offer. After working so hard to have the best score to actually buy the house of our dreams, we lost the house over this. I filed disputes and XXXX closed their case after sending me notice that the " creditor certified their reporting ''. I was livid! I have an email from Upgrade stating they made this mistake and that's not good enough? This is outrageous, I was never late, even over COVID because I protect my score, it's so important. This has caused me egregious harm and no one seems to be listening. My payment history is 100 % with Upgrade and their emails saying that they are 'working to correct the issue ' are just lies at this point because they certified the lates with XXXX after I filed the dispute to correct this- which they also told me to do. My payment history is not a secret and it is a simple fact that is indisputable, so please someone, correct this inaccurate reporting so I can have my score back!
Product: Credit reporting

I file a dispute with the credit bureau it took this agency one week to say this account on my credit is maine how can a company says account belong to you when i write these creditor. their no response how is company able to validate a debt when i get no response what is their procedures of validation i have identity theft on my report the credit bureau isnt obeying the 609 laws on federal credit reporting act before they report on file