23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an negative mark from Credence Resource Management LLC on my XXXX XXXX Credit report. I disputed that it was mine since I have never ever used the original creditor ( XXXX XXXX XXXX in my life. Rather than send me out proof that this debt is somehow mine they sent me a form for fraud or identity theft. They are asking for copies of my driver 's license, affidavit and a police report. I find it absolutely absurd that I have to jump through hoops to prove my innocence due to their incompetence. 

Sincerely, XXXX XXXX XXXX Credence Reference ID : XXXX
Product: Money transfer, virtual currency, or money service

PayPal locked my wife 's account this week ( XXXX ). She is living in the XXXX and relies on my financial help which has been channeled through PayPal up to this point. PayPal arbitrarily " limited '' her account essentially freezing over XXXX pesos for six months with a warning that after the 6 months she may not retrieve the funds at all if they believe she has violated anything in the massive user agreement rules. Life is hard in the XXXX, this foolish and abusive action by PayPal has generated hardships for my wife. I believe PayPal should be governed by the same rules banks and other financial institutions have to follow and be held financially liable for discrimination and arbitrary actions such as this. I would like to ask that you advise PayPal to immediately release the funds they have illegally scammed from my wife and I.
Product: Checking or savings account

I am POD/POA on an account with my father at Wells Fargo. After his death, I called customer service and sent then all the requested documents which were the Death Certificate and letters of Administration from the Surrogate 's Office. A month and a half later, I received an email stating my request to close the account and release the money had been rejected and they asked for additional forms. I sent those items by XXXX, but have had no response for over a month. They continue to hold over {$50000.00}.
Product: Student loan

I made my first request for a refund of payments made during covid on Monday, XX/XX/XXXX. The representative stated that because I had paid off the loans during covid, and they did not have a balance on XX/XX/2022, they would not be eligible for forgiveness even with a refund. I have come to learn that this is not true as their origination date is far earlier, XXXX. 

FedLoan Servicing needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled. These refunds are taking up to 150-200 days with no email or paper trail confirmation. I was not provided with a confirmation email, and anticipated dates, and was led to believe the loans may not apply for forgiveness. Many people are getting their refunds much faster with other loan providers, but Fedloan Services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about FedLoan services. HELP US PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account for the months of XXXX XXXX XXXX XXXX and XXXX XXXX. I was never late for this account. Consumer reporting agencies have assumed the vital role and has responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX. I've highlighted the payment inaccuracies with the reporting agencies. Please investigate and provide proof showing these payments were late. If proof can't be provided I'm requesting these payments be updated to on time as they should be, as I was never late. Thanks
Product: Debt collection

Wells Fargo is committing fraud against me. I currently have a CFPB complaint against Wells Fargo ( ID # XXXX ), in which I reported violations they have made against me. However, since this complaint initiated, Wells Fargo has proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof of such claim is attached to this new complaint, and you can also verify this by comparing all the information provided in the still pending complaint I have against Wells Fargo. This is completely unlawful and abusive. Wells Fargo is breaking the law pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I demand and direct Wells Fargo to close all credit card accounts they have opened with my name to be closed immediately. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). Therefore, I now further demand Wells Fargo to stop their fraudulent acts and to compensate me for all individual actions and trespassing against me.
Product: Credit reporting or other personal consumer reports

Dear XXXX Customer Service, I'm writing to address an ongoing issue with my account ending in XXXX, which seems to be a persistent problem despite previous efforts to resolve it. On XX/XX/XXXX, your automated system erroneously sent charge-off information to Experian. This action overrode my previous removal of the charge-off on XX/XX/XXXX. This issue has been recurring since XX/XX/XXXX. 

In your letter dated XX/XX/XXXX, you acknowledged that the balance in question was solely due to fees assessed on a previously zero balance account. Consequently, you reversed the charge-off and requested the removal of delinquencies from my credit file. Despite this, the charge-off information continues to be incorrectly reported. 

There appears to be a clear disconnect in communication between departments within your organization. The recurring nature of this issue suggests that your automated systems are not aligned with the manual corrections previously made. This inconsistency is causing significant frustration and undue stress. 

To rectify this situation, I urge you to take immediate action. Please ensure that the charge-off is permanently removed from my account and credit file, and prevent any further incorrect reporting. It might be necessary for someone to get in touch with the appropriate department to coordinate this fix, rather than relying solely on automated processes. 

Humans need to talk face-to-face, via XXXX, or on the phone to resolve complex issues like this. Automated systems are clearly failing to address this ongoing problem effectively. I strongly suggest that a dedicated representative from your team take the initiative to personally go to the other department and ensure that this issue is resolved. It is imperative that a dedicated person takes ownership of this problem and communicates directly with the relevant department to prevent further errors. 

I've taken steps to resolve this on my own by contacting Experian directly, but it is your responsibility to ensure the accuracy of the information you report. If this matter is not promptly resolved, I will not hesitate to start a class action lawsuit. I am likely not the only person experiencing this issue, and a class action may be necessary to ensure that this problem is addressed for all affected customers. 

I expect a prompt resolution to this matter and confirmation that the charge-off has been permanently removed from my credit history.
Product: Credit card or prepaid card

Hi, I signed up in XX/XX/XXXX a credit card promotion with TD Bank, N.A ( XXXXXX/XX/XXXX ) at XXXX XXXX XXXX branch, XXXX NY. The offer was XXXX XXXX offer : Customer must open a new TD Cash Credit Card Account between XX/XX/XXXX-XX/XX/XXXX, and spend {$500.00} in total net eligible purchases within 90 days of the Account opening date to receive a one-time bonus offer of XXXX Bonus Points, which can be redeemed for {$150.00} Cash Back, as well as a 1st generation XXXX XXXXXXXX XXXX , and a 1st generation XXXX XXXX XXXX    XXXX ''. However, the XXXX XXXX XXXX XXXX I received on XX/XX/, was opened and seemed to be used before and not able to power on. Therefore, I immediately contacted with TD Bank, and they told to contact with XXXX. However, XXXX was unable to help since the device was not purchased from XXXX or authorized retailers. Thus, I believe that TD bank has not fulfilled originally stated promotion that I signed up.
Product: Checking or savings account

My account is in frozen status since XX/XX/2023 I spoked with to bank ( XXXX ) to unfreeze my account they ask for my green card ssn card and passport and I provided with all the information that they requested for serval occasions but still my account is frozen and they refused to close my card and give me the available money in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 *XXXX XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States that 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 instruction 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 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 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

I am writing to report that XXXX, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within 30 days : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : Southern Finance : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  I requested AFFIRM an also XXXX that this Collection account is in Major Violation of FCRA Law an to be removed. This account is Reporting as Closed With a Past Due! 15 u.s. code 1666a-b accounts that are charged off and closed accounts can not be reporting past due.
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. 

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 XXXXXXXX, 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 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 ) states : 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: Mortgage

wells fargo mortage company did not comply with our loan modification adn would not help and send us into foreslosure and we think that we are entitiled to there lawsuit as we were victims of them!!!
Product: Student loan

Loans are duplicated on my credit report. Report shows I have XXXX student loans. I have XXXX originating from XX/XX/XXXX through XX/XX/XXXX when I graduated. The loans originated with the Dept of Ed and transferred to XXXX XXXX and then to Navient. XXXX loans reported 3 times. XXXX entry states that the balance is {$75000.00} which is inaccurate. The loans are separate. I am in the process of filing disputes with credit bureau. Also, once the loans transferred to Navient XX/XX/XXXX, I was told my first payment date was XX/XX/XXXX. I filed paperwork for a renewal of my income based repayment plan. My payment was {$80.00} a month. Though I was not scheduled for payment, Navient attempted several times to deduct the full regular payment of {$470.00} from my bank account. When I contacted Navient, I was told it never happened.
Product: Credit card or prepaid card

On XX/XX/2019, attempted to pay Wells Fargo an annual fee of {$30.00} due on a secured credit card I have but the teller refused to accept the payment stating that the fees due were in the amount of {$60.00}. She suggested I call Customer Service which I did and was told that I had an additional fee of {$30.00} but could not explain why this fee was for interest on my bill. On XX/XX/XXXX, XXXX, XXXX, and XXXX I explained that I did not use my card so how could I be charged interest. The representative then told me I was charged a {$5.00} late fee. I have had several other issues with this company charging late fees and over billing before but eventually the charges were dismissed. 

On the third of XXXX I spoke with the Credit Card department and they refused to correct this error. i was transferred to Customer Service where i lodged a complaint regarding this issue. The representative said it was the Banks fault and told me he would remove the fees including the annual fee. I've had problems with this company before therefore I always check back a couple days later making sure charges have been removed but as usual the {$60.00} charge is still on my card.There are XXXX different card number that stemmed from a chard that I denied, not only did Wells Fargo not take off the card number they add the charges back to my card like I never called here r the numbers { XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a cosigner on my step-daughters car with XXXX. XXXX said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' XXXX - they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when Experian and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with XXXX. But it has effected my credit as a 30 day late and I am fairly livid that XXXX could not fix it, did not follow their protocol for cosigners and have now reported my dispute was inaccurate.
Product: Debt collection

This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called Trident Asset Management. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Product: Mortgage

My existing Mortgage is with Wells Fargo. We contacted them about a refinance anf filed the appropriate applications and sent a check for {$480.00} appraisal fee. Wells Fargo ( lets just call it the bank ) chose an appraiser and came to my home and made an exhaustive examination both inside and outside. We were informed by the bank that he came up with a value of {$490000.00} ten thousand less than the {$500000.00} we but on the submitted application but my wife and I could live with that difference. 
However several days later we were informed that there was a " third party interference '' with the appraisal and the bank would have another appraisal done at the banks expense. 
Incensed I asked the person at the bank, XXXX XXXX, for an explanation and on a recorded .conversation said in her numerous years at the bank she never heard of this happening. I demanded to know who the third party was and she said she would get back to me.She told me not to worry because the bank was paying anyway for a new appraisal. Now comes a new appraisal. {$370000.00} one hundred and fifteen thousand less then the appraisal I paid for. Several mistakes were brought to XXXX 's attention but she told us the bank wanted them in writing. I sent the written list and demanded again the names of the third party person,. who chose the new appraiser and the return of my paid appraisal fee. Back in forth with her and her supervisor for several weeks we were told we could get the mortgage using the new appraisal and the cash out we wanted HOWEVER there would be an interest rate increase then that we were locked into due to the decreased value of the second appraisal.Therein lies a fraud. Without explanations of mysterious persons involved in the appraisals. I went to the XXXX XXXX NY County Clerk to examine the listed assessment of my home and those used in the second appraisal and was informed that something was wrong with our estimate and that in his 30 years in the real estate department he never heard of a one hundred and fifteen thousand dollar difference between two estimates on the same house just days apart...
Product: Money transfer, virtual currency, or money service

At around XXXX XXXX on XX/XX/24, we initiated a wire transfer ( {$180000.00} ) in order to close on the purchase of our new home. We were instructed to wire the amount to our XXXX XXXX XXXXXXXX XXXX, and the communication from Ally Bank, our bank, led us to believe this would happen on the same business day. Through repeated phone calls to Ally, we were repeatedly told that it should take 1-2 more hours and funds would be delivered by close of business that day. This continued for three days with misleading and incorrect automated emails from the bank, confusing information via chat with bank associates, and MANY hours on hold. This caused undue hardship for both us as the buyers and the sellers of the home as we were unable to close as planned and received no reliable communication or updates from Ally or its associates. The money for the transfer was also pulled from our account yesterday morning, but the transfer was not completed until this afternoon.
Product: Credit reporting or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

I spoke with a Wells Fargo representative ( XXXX ) on XXXX XX/XX/2023. About my debt that appears in my account, I told them if they could print out my statement, since I could do it through their website ( I believe they cancel the option for me to view my statement ) Because, I know that there has been fraudulent activities going through my account. So, they told me they were going to transfer me to another wells faro representative to talk about my account and how to view my statements, but I was deceived by them. I apparently spoke with a debt collector. At first, I thought I was speaking with a Wells Fargo XXXX, but later on found out he was a debt collector. I spoke with XXXX XXXX from XXXX XXXX XXXX. He asked me for my name, address, Phone number. Now that I think about, it could be someone to try to steal my identity. Any response on this matter is greatly appreciated. I would still like to speak with a representative over the phone about this matter. 

They ( WELLS FARGO ) have reached out to me through email, I have attached the file down below. 

Thank you in advance. 

Have a great day.
Product: Debt collection

Dear CFPB, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, MI, XXXX is apparently helping XXXX with a retaliation scheme against customers who terminate service. Its been in the news that XXXX is hitting people 's credit scores when they close an account. 

XXXXI had a similar experience, when I moved, I terminated on one service, but then started XXXX XXXX at my new home. They claimed that I owed {$140.00}, but I never got a bill. ( I continued my cell and internet service with them, its not as if they did n't know where to reach me. ) I have called Diversified twice, and the last time they refused to validate the debt. 

XXXX has destroyed my credit over a {$140.00} bill, and wasted hours of my time. their technique is to leave you on hold, then shuttle you between departments. XXXX XXXX services department sends you to Diversified, then Diversified sends you back to XXXX, over and over. All in an attempt to shake down petty change out of your pocket. 

Please bust these XXXX.