23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bayview servicing illegally forclosed on my propertyat XXXX XXXX  XXXX XXXX .XXXX  mass broke the non-judicial laws of the safe of mass and consumer protection act banking law XXXX A never helped to modify my loan .XXXX XXXX and XXXX. XXXX filing this complaint.
Product: Checking or savings account

I called the customer service phone number to ask why I couldn't use my card that had money on it for certain things. For example I can buy clothes and games online with my card but I couldn't order uber eats online. They asked me to verify my information. I was able to verify the following ; -name -DOB -FULL ADDRESS -Sent Picture of current XXXX state ID I however was not able to verify the phone number and/or email on the account. As I've had several emails and phone numbers since.. and this is maybe years later since created. After I gave the incorrect email they froze my account. My only income is XXXX and the funds go directly to thay account. I suffer from XXXX and XXXX XXXX XXXX. This took such a toll on my mental and if it wasn't for my sons mother I wouldn't have had any clue what to do. From the XXXX hour wait time on the phone to speaking to countless people who refuse to help me I was getting no where. My sons mother advice to me was go to the office where I was also denied help. I was told I can change my direct deposit information but I would have to wait another month for the check. But they couldn't help with the current funds on the account.. only the pending and future funds. They sent me a check and I set my ssi payments up with another bank.. however the current amount on the card is still there and I still do not have access to it. I have not been able to use this account since mid XXXX and though I was able to handle this pending and future deposits. The amount that's been on there is being held XXXX. They refuse to close the account and send a check because they refuse to unlock the account. I'm lost sleep and put in financial hardship over this. I have a XXXX year old. I have bills. My family depends on me and they should be able to when I'm doing all I can. Direct express refuses to help me no matter the times I call nor the emails I send. The account is still open and money still there. I can not continue to hope they do the right thing. I need help
Product: Checking or savings account

XXXX I received a text message asking for me to verify a XXXX transaction and I of course did not recognize the transaction and so I replied as so and then received a phone call from someone who claimed to be with wells fargo fraud department and after an hour on the phone with them going through a process that seemed to be resolving the issue getting the funds moved to a secure account so that the account was no longer at risk there was a wire transfer initiated however the entire time I was scammed by a fraudulent person claiming and posing to be with wells fargo fraud and come to find out they were using me to get into my account and wire the money to them. I filed with Wells fargo and they were very very unhelpful and never called to update me on the process of recovering the funds even when I called back multiple times to check for an update they instead mailed a letter saying that as far as they were concerned the case was closed and funds would not be returned. They didnt even take the time to find out what truly happened and did nothing to protect or get the funds back or stopped.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used my XXXX account to send my son {$500.00} from my Wells Fargo account to his XXXX  XXXX XXXX account. My son nor his bank received the funds. on my Wells Fargo account it listed my son named twice and I was told it went to my son at another phone number. That is not possible because I only used my son phone number and his bank verified that money was never received by him. Wells Fargo showed 2 accounts with my son name yet different phone number but now its only showing one name and phone number. I think this needs to be investigated further and my {$500.00} put back in my account. No one responded to me to see who actually received the money
Product: Debt collection

A man with XXXX XXXX XXXX called me from phone number XXXX and ask to speak about a potential relative of mine named XXXX who is going to get a suit filed against her unless I could get her information. XXXX is my sister ... Now while he continued to harp on about a potential suit and the ramifications, I cut him off and let him know I collected for 20 years so I knew what he was saying was a false and illegal scare tactic. I also let him know that he should not have called me under the curcumstances of being a potential relative. He got mad and of course ended the call. This company is using bad practices and harassing potential relatives during business hours when potential relatives are working. Awful company that does not follow the FDCPA. I wish someone would tell these people you have better collections with honest practices ... .trust me I know. Also let them know they should identify the full name of the company when calling. I had to call back for answers. Another tip for this company is never assume you are smarter than the people you call spitting unlawful foolishness and lies.
Product: Debt collection

I was balance billed inside insurance contract. But I was granted % 100 financial assistance through the hospital. So they are illegally sending me to collections. I requested information from the collection agency which refused and threatened me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). I need to report XXXX  for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Product: Credit card or prepaid card

Venmo XX/XX/2023 My legal name was changed to my ID. I have all the documents saying that I changed it. So I wanted to change my name in Venmos records. My credit card says my old name and I wanted to change it. 

Venmo was very confusing and demeaning for my legal name. They said they cant update their system, so they told me to make a new account. They wont do it for me, they are forcing me to delete all the data I have on my account. This is unprecedented, every single financial institution changed my name. I had the proper documentation is thats all they needed.

I would like to find out if this illegal? Can they decline my request to change my legal name? I would really appreciate it. 

Thank you for your time, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charged off account whose first delinquency was XX/XX/XXXX.  They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and XXXX continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting Exeter regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.
Product: Mortgage

XXXX continued. 

WF was ordered by https : XXXX to pay consumer over abuses. 

the facts in the matter are simple, WF fraudulently forced me to close on a loan that was upside down by a WF loan officer whom worker for a developer.

WF has played games and delay tactic and lied about assumptions that are not true regarding our mediation process and pre- mediation agreements that are pure fallacy. 

See all the prior complaints. 

In conjunction, I have filled a complaint with the State of Florida and XXXX. 

Please have WF settle the issues. 

Thank you.
Product: Payday loan, title loan, or personal loan

I received a loan from ( mypaydayloan.com ) On XX/XX/2020 I was deposited {$400.00} into my account. My payment date was XXXX XXXX you have to submit a payment a few days before. Their website payment options is pay full amount {$520.00} OR pay minimum amount {$120.00}. I paid {$120.00} the minimum because of the coronavirus I was struggling to get everything paid for being the only one working and husband wasnt set up on unemployment yet. Every 2 weeks they would take out the {$120.00}. In XXXX I looked at my account and they are claiming I havent made a single payment yet. I called them and the man I spoke with barely spoke XXXX, told me I still needed to pay the {$520.00} that all I was paying for was renewing the loan for the next 2 weeks for {$120.00}! They have renewed my loan apparently 10 times! After not getting anywhere with him I emailed the company and sent them pictures of my account and how much I have paid. I only got an email saying I havent paid a single payment yet. I live in Mississippi, the laws are very different here. They said the MS laws dont include them. I honestly dont think this is a legit company from XXXX XXXX. On their website it says they are licensed in MS , I dont think that is true either. However, I have paid this company {$1200.00}! Every 2 weeks {$120.00} comes out of my account. If I had know I wasnt paying on the principal I would have paid it off when I got my stimulus check. Their website is very misleading! They are scheduled to take another {$120.00} out XX/XX/XXXX. I have certainly learned my lesson on online loans. These companies will take advantage of people who are in need from the pandemic.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts Below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did NOT authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXETER FINANCE LLC XXXX XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXXXXXX Balance : {$1100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance XXXX {$40000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have spoke to Both the original company and debt collections agency no less that 15 times and gotten nowhere. I had a balance with XXXX utilities. An account reported to my credit by FCS XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. I spoke with XXXX numerous times. During those calls they had stated to me that they had recalled and withdrawn FCS, and the account from the collection agency ( FCS ) I paid my balance to XXXX. I had zero dealing with FCS prior to this conversation about this account. FCS had reported to my credit bureau that I owed them the money. I did not. Once the account was withdrawn from them they refused to remove themselves from any involvement. Once I paid XXXX ( whom I owed the money to not FCS at that point. FCS continued to falsely report a collection that I owed them per my credit profile, when it was already paid. They then updated this same collection to read as if I paid them to a XXXX balance. They did not collect it, it was withdrawn from them yet they are still on my credit as a collection company responsible to/or have been to collect monies. I just spoke to them on the phone and they stated that " This is an attempt to collect a debt '' I have no dealings with this company. XXXX has stated multiple times that because I worked with them and not FCS that they would no longer be able to report ANYTHING to my credit and that I do not have a collection with them any longer because it was recalled. I want them to delete it off my credit bureau 's as myself and XXXX has requested. This company who also is using the name ICS Is falsely representing themselves as responsible for, money owed to, or paid to collection agency when none of that is true. The last call I had with them moments before filing this is " that they don't report to the credit agency 's, they as in FCS can't do anything because its up the credit bureaus '' which is a blatant lie because ( its reported on my credit by them ) Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

A few days ago I received a notification stating a debt collection had been reported on my credit which was a shock to me so I contacted the collections company ( CREDIT COLLECTION SERVICES at ( XXXX, Address is XXXX XXXX XXXX XXXX MA, XXXX ) and they told me XXXX XXXX asked them to collect money from me. I told them I do not know where the debt is coming from because I have a different insurance company and I told them that I do not owe XXXX any money. They advised that I contact XXXX which I did and XXXX told me that they do not see any policies on their file for me which made sense to me since I canceled the only policy I had with XXXX. XXXX even sent me a refund check which I have attached. I did not have any existing policy with safeco so this really shocked me. So I later called the collections company again to see what property address and they gave that to me. That property address is under an LLC and it was through XXXX XXXX, which I was later told by XXXX that the XXXX XXXX Agent got the insurance through XXXX. I have never received any communications from XXXX and I did there is no way I wouldnt or couldnt pay {$79.00}. I asked XXXX why didnt they call me or email me if I owed them and they couldnt answer. I knew this debt collections on my credit could stop me from purchasing my home so I asked XXXX If I go ahead and pay them the money they claim I owe them ( {$79.00} ), will they remove this from my credit and the XXXX representative told me emphatically YES. I asked them to send me an email confirmation and evidence of what they told me on the call. I went ahead and made the payment just so I could be over with the whole situation and not because I actually owed them money. I followed up with XXXX a few days later and they are telling me they have advised the credit company to remove the reporting from my credit report. I called the credit company and they said they will not remove, they can only report it as paid in full which is not what I was told would happen. I was told this would be removed completely
Product: Credit card or prepaid card

XX/XX/XXXX : Purchased XXXX  Gift Card ( {$500.00} ) at XXXX in XXXX CA ( next to XXXX ). Had trouble activating the card, but was going to New York for the weekend, so decided to wait. 
XX/XX/XXXX : Came back from NY and went back to XXXX ( where I purchased gift card ) to sort out problem. Was told to call customer service on the back of the card, which I did. Called in to activate card at around XXXX. When I got home and logged in to check my card balance, I found that my card has been fraudulently used at a XXXX in XXXX XXXX, to the amount of {$490.00}. Called into fraud department for the gift card issuer and was told to fill out dispute form that they will MAIL to me. 
XX/XX/XXXX : called in to fraud department to ask them to change the mail address from my XXXX California address ( parent 's house ) to my XXXX  address, so I don't waste time. 
XX/XX/XXXX : called in to fraud department and confirmed that the dispute letter was sent on the XX/XX/XXXX, so it was just a matter of waiting. 
XX/XX/XXXX : Parents call me to let me know that they received the mail ( so the mailing address was not changed ... ) and that they will be mailing me the letter XX/XX/XXXX : got the letter and faxed in the filled out form. 
XX/XX/XXXX : called in again to confirm that they have received my fax ( filled out dispute form and any other documents that I provided, such as receipt ) XX/XX/XXXX : filed my complaint with CFPB because many online have said they are notoriously slow with responding, and with the help of CFPB, maybe things will be better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, With no THIRD PARTIES INVOLVED have disputed with Transunion and was delivered an Affadavit of identity theft on XX/XX/2022, along with a written statement with NO THIRD PARTIES ARE INVOLVED!!!!! With a printed police report and all documents were NOTARIZED by the county 's notary. Please see attachments. They have 4 days from the date of receiving my dispute to BLOCK all fraud accounts reporting. According to title 15 usc 1681 C-2. Non compliance title 15 usc 1681N, is also a violation. see attachments.
Product: Credit reporting or other personal consumer reports

I am writing in reference to an account on my credit report for One Main. It is reporting inaccurate and I would like more information. I received notification from the credit reporting agencies that the account was disputed and validated. Each time one main responded to the credit reporting agencies confirming the accuracy of the account without conducting a reasonable investigation, therefore violating FCRA. Because this violation has occured with all 3 credit reporting agencies, you are liable for the sum of {$3000.00} plus and additional {$3000.00} because the account is reporting twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW XXXX  Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. 
Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ).

Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attached documents ).