23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of 2014, I applied for a secured credit card with Wells Fargo ; I was required to deposit {$5000.00} with Wells Fargo in order to obtain the card ; the bank employee told me that they would hold my {$5000.00} for 1 year after which they would return it to me. Wells Fargo still has my {$5000.00} after I recently decided to cancel their credit card and they now state that they will not return my money for at least 2 months! 
I received a letter from them regarding " closure of your credit card '' with absolutely no mention of my {$5000.00} security fund. It no longer appears on my online summary either. HAD I KNOWN THAT THEY WOULD NOT RETURN MY MONEY TO ME AFTER CLOSURE OF THE ACCOUNT AS THEY HAD PROMISED, I NEVER WOULD HAVE ACCEPTED THEIR CREDIT CARD. WHY ARE THEY HOLDING MY MONEY WITHOUT ANY NOTATION OF IT ANYWHERE THAT I CAN SEE???
Product: Debt collection

I received notice from a credit report agency of an account in collection. The report stated that an account from XXXX was in collection by a company called AmShear. I have not now, nor have I ever had an account, received any services or had any business dealings with XXXX. Furthermore, I have never received any bills or notices of charges or any other similar communications from XXXX and, similarly, have never received any communications from AmShear in regard to any effort to collect any claimed debt. Therefore, until now I have had no opportunity to dispute the claimed debt and yet AmShear has reported it to the major credit reporting agencies.
Product: Vehicle loan or lease

At the range me of my lease with Hyundai Motor Finance, I never received a bill for the end-of-lease payment. I called the company, and was told they would mail it again. 
No bill I called again and they said it would be emailed. I finally got an email and mail, but it was just a notice of privacy. 
Finally last month I just paid the amount, without knowing what it was for - because they reported me as delinquent and it affected my credit score. 
Still no bill, and my credit score went down over 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my care credit on time and more then the minimum total they said I did n't acknowledge some advertising or promotion I never saw I explained it to them and they refused to take the {$600.00} they added to my credit card. I never have seen in writing nor documents on my phone stating this.
Product: Checking or savings account

My debit card began getting declined on XX/XX/year>. I thought there was a system error so I waited until the next day to try again. Again on XX/XX/year> my card was being declined. I logged into my account online and noticed my available balance was at {$0.00} when in reality I have over {$1000.00}. I called my bank to find out what was going on and advised that there are restrictions in place and that my account is under review. I was instructed to call back on XXXX  because they run a skeleton crew on the weekends and the rep could no tell me more about the issue. I called on XX/XX/year> to see if I could find out what was really going on and I was advised the same as before. They will not tell me why my account is frozen, only that it is under review for the next XXXX days. I advised the rep that I have absolutely no access to my funds and that I have bills due. All she told me was that I have to wait it out.
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX to Nationstar Mortgage LLC aka Mr. Cooper on XX/XX/XXXX. My escrow balance of {$2100.00} was also transferred to Nationstar Mortgage. I received a welcome letter from Nationstar stating the amount of escrow balance with the statement " Our records indicate that you have an escrow account for taxes and/or insurance '' XXXX XXXX did an escrow analysis on XX/XX/XXXX stating that we had an escrow surplus and sent us a check for {$430.00}. My Hazard Insurance was due on XX/XX/XXXX. Nationstar/Mr. Cooper did not make the payment. Nationstar/Mr. Cooper had all of the necessary information available to them to make the payment ; Insurance Company name : XXXX XXXX and address, policy number, due date and amount due {$800.00} Therefore our Hazard Insurance was cancelled. We did not receive notification from our insurance company that our policy was cancelled. 

We received a letter from Nationstar/Mr. Cooper dated XX/XX/XXXX and XX/XX/XXXX stating that our hazard insurance had expired. We contacted our Insurance company and they stated it was cancelled for nonpayment. We were able to get our policy reinstated. I called Nation Star/Mr. Cooper and spoke with a representative on XX/XX/XXXX and asked her why they did not make the payment. She stated that " this happens all the time '' and tried to place the blame on me for not contacting my insurance company to let them know that I had a new mortgage company. I pointed out that they had all of the information they needed to pay the bill. 

I received another letter from Nation Star/Mr. Cooper stating that I needed to provide proof that I had hazard insurance coverage for the lapsed period XXXX or they would by a policy on my behalf. I did not have proof of coverage because Nationstar/Mr. Cooper did not make the payment that was due on XX/XX/XXXX. I was not informed my Nationstar/Mr. Cooper that my policy had lapsed until XX/XX/XXXX. 

Nation Star/Mr. Cooper withdrew {$1800.00} from my escrow account to pay for a Hazard insurance policy from XXXX XXXX XXXX XXXX issue date XXXX cover the lapsed period XX/XX/XXXX, XXXX XXXX, XXXX. Now I have an escrow shortage that I will need to deposit additional funds in order to have my property tax paid I believe that Nation Star/Mr. Cooper committed a violation of the Real Estate Settlements Procedures Act as they are required to make timely payments if the borrower has maintained sufficient funds in their escrow account. I believe that they are participating in predatory practices
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Money transfer, virtual currency, or money service

These nameless/faceless XXXX, apparently with 100 different corporate names/addresses on XXXX XXXX to avoid liability ) received a credit card chargeback from a former client for {$2000.00} on or about XX/XX/2021 but unlike 100 % of every single merchant service company that we have used in the last 20 years of our XXXX XXXX XXXX, these XXXX  did not either email or fax us the chargeback notice but simply sent it to us via US Mail XXXX pony express ). So of course, we never knew about the chargeback, never responded to it because we never knew about it & now today received it in the snail mail & will now respond to it, but we only have a few days to respond to it. To make matters worse, these thieves stole the duly earned {$2000.00} right out of our XXXX Checking Bank Account & even XXXX XXXX, the XXXX aiders & abettors, did not notify us, either. Please investigate & advise & ensure that this never happens, again, maybe by having these XXXX fax or email us chargebacks, instead of mailing them ( maybe XXXX.
Product: Mortgage

Planet Home Lending bought our second mortgage in early XXXX. We haven't made a payment to this mortgage since XXXX when the original lender XXXX was acquired by XXXX XXXX XXXX. XXXX XXXX XXXX forgave thousands of second mortgages ( apparently not ours ) and received government bail out money. 
Now, 11 years later, Planet home lending is calling our note due after buying the debt for XXXX on the dollar. I have tried and tried to communicate with them and they will not put anything in writing. I asked how much they paid for the debt and if they would accept a settlement. 
Instead of replying, they sent an acceleration letter and added 10 years of back payment. 
Our mortgage balance is approximately {$45000.00} and they are demanding approximately {$80000.00}. 

We had to file bankruptcy due to their predatory practice and also due to Covid. Please step in and help us. I am a XXXX veteran with a XXXX child ... .Planet Home Lending is simply taking advantage of us. 

I would like to know how much they purchased the debt for. I would like to settle for {$6000.00}. 

Thank you, XXXX and XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a call from a collection agency stating that I old a bill for {$3000.00} that I was unaware of. So I asked him to send me a copy of the bill or I needed validation of that debt. So when He finally sent me the copy of the bill it was for a bill that was on my credit file that had been been deleted because it had been on credit for 7 years. Well, I told the XXXX collector this, but he failed to respond. He said I steal all the debt and they were trying to collect on behalf of the vendor so I told them that I had did my time. But hes response was he can still collect. I feel this company has pull my credit report and feel that they look at my credit and see that I have reestablish my credit and are taking it advantage of senior citizens. The fact if I didnt have a copy of my old report I would have to pay the to protect my credit rating that am working to protect. I feel they do this practice all the time.
Product: Credit reporting or other personal consumer reports

I called Experian in regards to the email I was getting after I filed my dispute for the past 3 months now. My first call when I informed them I wanted it notated in my file that I was the person filling the dispute they said the could not and I had to file it over the phone. I asked for a supervisor and was kept in the phone for an hour. Called back again and was asked if I was working with a credit specialist and if so Experian doesnt allow that. I told them again the reason I called was to let them know that I was the one who filed the dispute. This has been happening since XXXX XXXX of last year. I was told to put a fraud alert on my account and other bureau would be notified. I was then told I would be transferred to the fraud department was on hold for over XXXX no one came to the there was no answer. Then on the same day XXXX at XXXX XXXX time I receive an email saying the results stayed even though I still had not spoken to the fraud department and they had said they were not going to do anything about the dispute. This is in violation of the fair reporting act
Product: Credit reporting or other personal consumer reports

I submitted multiple dispute letters to Experian regarding inaccuracies on my credit report, but they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated the following provisions : 15 U.S.C. 1681e ( b ) : Experian failed to maintain accurate information in my credit report.

15 U.S.C. 1681s-2 : The data furnisher ( s ) continued reporting inaccurate information, and Experian failed to properly investigate my disputes.

15 U.S.C. 1681i ( 5 ) : Experian did not delete inaccurate information after I provided evidence of errors.

15 U.S.C. 1681c ( c ) : Experian possibly reinserted negative information without proper notice.

Despite multiple requests, Experian has failed to properly investigate and correct the errors, harming my ability to obtain credit, employment, and housing. I recently became aware that the CFPB has sued Experian for similar violations, alleging that they conduct sham investigations and reinsert inaccurate information without notice. My case is consistent with this pattern of misconduct.

Resolution Requested : I request that the CFPB take action to ensure Experian : 1. Conducts a proper reinvestigation of my disputes.

2. Removes all inaccurate, unverifiable, or outdated information from my credit report.

3. Provides a written explanation of its investigation and findings.

4. Ensures compliance with the Fair Credit Reporting Act ( FCRA ) moving forward. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Not Available Opened : XXXX : XXXX. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Not Available Opened : XXXX : XXXX. # : XXXX XXXX XXXX XXXX XXXX XXXX : Not Available Opened : XXXX : XXXX. # : XXXX Online Information XXXX XXXX XXXXXXXX : Not Available Opened : XXXX : XXXX. # : XXXX XXXX XXXX  XXXX {$790.00} {$790.00} Past Due Individual Account Account # XXXX XXXX Date XXXX Condition : Closed Credit Limit : {$550.00} Balance : {$790.00} Payme XXXX {$0.00} XXXX  Days Late Individual Account Account # XXXX XXXX Date XXXX Condition : Closed
Product: Debt collection

LendingPoint breached their contract with me by overcharging me and debiting my bank account on random days that I did not agree to. After I made a complaint and requested for the account to be closed XXXX/LendingPoint closed the account. I could not access my account for months so I thought it was closed do to XXXX  honoring my request for the account to be closed as indemnification since they debited my bank account leaving me in a deficit on dates that were not agreed upon. Per the Contract the temporary relief for {$26.00} was supposed to be for the next 2 periodic payments per the contract payment dates remained the same which meant on the XXXX so for the contract that was signed on XX/XX/XXXX the next 2 payments were supposed to be XX/XX/XXXX and XX/XX/XXXX and it was supposed to only be for {$26.00} on XX/XX/XXXX lendingpoint charged {$260.00} and I had to call them for 2 weeks straight before they gave me my money back. I explained to them that because of their breach of contract I wasn't able to buy food and pay other bills their solution was to put me on another temporary relief for their mistake. The next Temporary relief was suppose to be for XX/XX/XXXX and XX/XX/XXXX for {$26.00} but again they debited my bank account the wrong amount {$31.00} and on the wrong XX/XX/XXXX this left me in a financial deficit again and the trust was no longer there since LendingPoint breached the contract twice. After I successfully removed them from my bank account I made a payment XX/XX/XXXX when I went to make a payment on XX/XX/XXXX the account was closed. I could no longer access my account and it stated the loan was complete. Also on my credit report XXXX showed up with a completed loan status so it seemed as if they honored my request and closed the account down. Then earlier this month on XX/XX/XXXX I received an email from a collection company XXXX XXXX XXXX advising that I owe {$11000.00} and that they are contracted by another collection company XXXX XXXX XXXX. I complained to XXXX XXXX XXXX and they advised LendingPoint to charge off my account on XX/XX/XXXX and placed the account with them. XXXXLendingpoint noticed that they breached their contract and instead of correcting the errors made they used fraudulent tactics to exploit my personal information including my social security number and address to 2 other companies on false premises. Please see attached contracts that were not honored as XXXX explains in their own words. As well as evidence that account was closed. Please remove me from all companies records and reimburse me monies paid into the account.
Product: Mortgage

This complaint is based on Wells Fargos recent response dated XX/XX/XXXX. The complaint will include a number of questions which hopefully will be answered in a straight forward way. 

1. In my previous response I included five attachments as follows : Four attachments contain receipts from the XXXX XXXX XXXX of taxes. As a result of these receipts, the terminology that my account was delinquent is discredited. Please refer to my response on XX/XX/XXXX in CFPB complaint # XXXX to Wells Fargos letter of XX/XX/XXXXXXXX XXXX Since the local tax authorities did not issue an increase in taxes during the period in question from XX/XX/XXXX on, the complaint that initiated the foreclosure dated XX/XX/XXXX is also discredited because the foreclosure complaint is dependent on the discredited delinquency. I have attached the tax receipts once again. Please explain where Wells Fargos increase in payments creating the discredited delinquency during the period in question actually came from? I never was informed of the discredited delinquency. Why not? 
Additionally, the fifth attachment is being provided again to Wells Fargo containing the business cards of my personal bankers during the period in question XXXXXXXX XXXX to XXXX, XXXX. As stated previously, my personal bankers never informed me that my account was considered delinquent by Wells Fargo. They never advised me of any delinquency and they continued to accept my payments. They always complimented me on being a valued customer of Wells Fargo. Were my personal bankers being truthful? 

2. There was no communication from Wells Fargo during the period in question with respect to the origin of the discredited delinquency which was subsequently used as a basis for the foreclosure. Why not? 

3. Why did it take eleven years for Wells Fargo to bring up a {$5900.00} dollar issue at this moment in time? I have never been told anything about it by Wells Fargo. It appears to be a fictitious issue, since it is only being mentioned now because of the timing of the recent Consent Order. Please refer to Section 28 of the Consent Order which describes my particular type of problem. Wells Fargo had numerous years to advise me that this was an issue in XXXX. Was somebody forgetful? Also, this XXXX issue was not mentioned in the XX/XX/XXXX foreclosure complaint. Does Wells Fargo dispute this? 

4. In examining the Consent Order, it appears that Wells Fargo is authorized to investigate itself to determine who has been victimized. Why is there no oversight? 

Attachments : Wells Fargo XX/XX/XXXX Page 1 XXXX XXXXXXXX XXXX of Taxes receipts General Tax Receipt XXXX 1st half General Tax Receipt XXXX 2nd half School Tax Receipt XXXXXXXX  1st half School Tax Receipt XXXX  1st half Personal Banker Business cards XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Wells Fargo Bank XXXX XXXX, XXXX CFPB XXXX XXXX XXXX
Product: Mortgage

This company starts the process over every 30 days if they believe you do not have all required documentation to them, even when you are actively working on providing them documentation or if youve already provided it to them and they may have missed placed it and you have to provide it again then they will restart your application. Today I called the bank to check on the status of the application because they reviewed documents on XXXX  that I submitted on XXXX XXXX The response I I received from the first representative was that they sent me an updated letter in my email and mail requesting more documentation. However, I did not receive an email or anything in the mail. And the representative said if I didnt provide everything by the XXXX they were closing out my case again. The next representative I spoke to said they never sent me a letter and they needed everything by the XXXX or they were closing out my case again. So if I havent been harassing them they wouldve closed out my case again because they never notified me that they review the documents and told me what they needed. Its completely unprofessional to behave in this manner. Further, they are asking for documentation that does not exist. My spouse is XXXX XXXX in the military, and they are asking for documentation from the military that does not exist. Also, they are asking for dates on a fraud wire agreement to be added that make absolutely no sense at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want me to have everyone date this agreement when its already dated with their electronic signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps trying to steal funds from my social security every month 6 times a WK. I've called and emailed. They still are doing it. I've changed my depit card they get the info somehow. Need your help. This is theft. I want a settlement of XXXX
Product: Credit reporting or other personal consumer reports

I made a loan from XXXX XXXX XXXX XXXX XXXX  on XX/XX/2021. I paid this loan in full and several months later received a bill charging more funds on this loan. I have the loan document stamped PAID IN FULL. I do not owe additional monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY CO L Is a collections agency that has been alleging that a bill from XXXX XXXX XXXX XXXX with a balance of {$520.00} is mine and it is not. I have disputed it multiple times with them as it was an account that belonged to my mother, with the same name and address. I have explained that to them in the past and submitted billing statements from XXXX XXXX XXXX showing that the bills belonged to my mother and that she actually did pay off the remaining balance, but the company continues to place me in collections which negatively impacts my credit. This is unlawful because they continue to place the wrong person in collections for their financial gain.