23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I called Wells Fargo Bank in order to ascertain what happened to the funds of a mortgage that was supposed to be from an account of Wells Fargo Bank. The funds transfer was initiated XX/XX/XXXX. The funds never arrived to XXXX. The name of my business is XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The amount of the transfer was {>= $1,000,000}, In communication with the representative of Wells Fargo Bank, I was told that they could not give me any information because I was not a customer of their bank. I spoke to a bank officer of XXXX, and he verified that no funds was received by his bank.
Product: Debt collection

XXXX XXXX XXXX sold my account to a 3rd party, which is a HIPPA Violation 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable Date of service XX/XX/year>. Original Creditor XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Sold to third party FMA Alliance XXXX XXXX XXXX. XXXX, TX. XXXX Contact No. XXXX Amount paid {$28000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information in my consumer report, pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ). This letter is in reference to my previous CFPB complaint [ XXXX submitted on XXXX XXXX, in which I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block all of the accounts, collections, and hard inquiries identified in that complaint from my consumer credit file within 4 business days of receiving said complaint.

Equifax has failed to comply with my initial request and has not properly verified the claims made in my CFPB complaint. Therefore, I am invoking my rights under FCRA 611 to demand that Equifax : Reinvestigate all items contested in my initial CFPB complaint. 
Provide detailed information on the method of verification used in your initial response to my CFPB complaint, including the specific sources of information consulted. 
If unable to verify the contested items using reliable sources, delete all such items from my credit report. 
Please note that I have previously filed and attached FTC Identity Theft Reports [ Numbers XXXX, XXXX, XXXX, XXXX ] related to these disputed items. It is my understanding that these reports were not properly considered in their initial investigation.

Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires Equifax to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, if reasonably available.

If Equifax is unable to verify the accuracy of the disputed information through this reinvestigation process, I demand that Equifax promptly delete or modify that information in accordance with FCRA 611 ( a ) ( 5 ) ( A ).

Equifax must be advised that failure to comply with this request may constitute willful noncompliance with the FCRA, potentially subjecting Equifax to liability for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining noXXXX  record and the court policy on reporting to bureaus. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.
Product: Credit reporting or other personal consumer reports

Noticed errors in recent report review ; billing issues show late payments, inconsistent with my payment history. Request update and correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$10000.00} XXXX XXXX Bank XX/XX/XXXX {$500.00} XXXX XXXX Bank XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

I am a long-term checking account and credit card customer of Bank of America who consistently pays off his credit card balance in full each month to avoid all monthly interest charges. In XX/XX/XXXX I contacted the bank to see what bank products were available to me to pay off at a lower interest rate a high interest ( XXXX XXXX ) installment loan of {$15000.00} I had with a credit union where I had an established line of credit. After discussing the possibilities with a bank employee, I thought that I would be getting a bank transfer for which I would pay a transfer fee of XXXX XXXX  of {$15000.00} for a total of {$15000.00} with the understanding that no interest would be charged on that amount provided the {$15000.00} was paid in full by XX/XX/XXXX. On XX/XX/XXXX, {$15000.00} was deposited into my checking account and on the same date, I wrote a check to the credit union for {$15000.00} in full payment of my installment loan with the XXXX XXXX. Since I planned to continue my long-standing practice of paying my credit card balance in full each month, I expected that, provided I paid off this {$15000.00} by XXXX as I intended, I would continue to avoid any interest charges. 
Given that expectation I was surprised to see my credit card statement for XX/XX/XXXX included an interest charge of {$18.00}. When I discussed this interest charge with the bank : first on the phone with customer service and then in person at my local branch in XXXX, XXXX with the assistant branch manager XXXX XXXX, I was eventually told three things. First, in fact, I had a direct deposit cash advance rather than a balance transfer. Second, one feature of a direct deposit cash advance is that interest charges start accruing immediately on my credit card charges until the {$15000.00} is paid off in full. As a result, in addition to the {$1800.00} interest already charged, I should expect interest to be charged on any future charges against my credit card until the {$15000.00} is paid in full. Third, in a recorded phone conversation with a bank employee prior to this transaction, I am told by some bank employees that I understood and agreed to these terms. XXXX XXXX XXXX, the asst manager, was able to listen to an excerpt of the recorded conversation but did not hear me agree to anything. In fact, after agreeing to the {$450.00} transfer fee, I know I would never knowingly agree to any additional charges.
Product: Credit card or prepaid card

This account is very old and will like it to be removed immediately from my credit.
Product: Debt collection

On XXXX XXXX, Source Receivables MNGMN XXXX XXXX XXXX XXXX NC XXXX ( XXXX XXXX ). Place an account on my credit report ( XXXX ) for {$540.00} from a XXXX account that had already been reported to the CFPB XXXX ( closed ), XXXX and the credit bureau . As I explained in this same case different credit collector, I don't own this account, I never lived at the address provided by XXXX XXXX and I also explained to XXXXXXXX XXXX that this is a case of fraud. This company XXXX XXXX, sold this account {$540.00} to Source Receivables MNGMN. After XXXX XXXX investigation showed no evidence this was my account. I did dispute this new filing with the credit bureau but was unable to get this settled. After trying to reach out to Source Receivables MNGMN ( XXXX XXXX ) no answer. I ask that the CFPB have this company removed the same {$550.00} from my credit report and close this case as they did before, because this is not an account of mine. This is a case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull Wells Fargo dealer XXXX XXXX Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized )
Product: Mortgage

My loan was modified effective XXXX/XXXX/XXXX and it is an interest-only loan with an escrow for property taxes only. I started to make extra payments in XXXX, however, the payments were not recorded properly and the annual interest paid was reported incorrectly for XXXX, XXXX and beyond. I called and wrote to America 's Service Company/Wells Fargo, but there was no reply or action. I sent multiple letters and called ASC. Finally in XXXX, XXXX, I called ASC/Wells Fargo and customer service stated they had no record of any requests and that I needed to send a written request. I sent the proper request on XXXX XXXX, XXXX, seeking a loan history and proper recording of all payments. ASC acknowledged my request on XXXX/XXXX/XXXX. ASC subsequently sent a letter on XXXX XXXX, XXXX and then called my attorney on XXXX XXXX, XXXX explaining that more time was needed to respond. Every time I called subsequently, I was told that ASC was still working on the request, until XXXX when I was told that it would be sent shortly. No one ever returned my calls or inquiries, even though I asked. I explained again that all extra payments should used to reduce principal. ASC/Wells Fargo was and continues to apply payments to future payments and to my escrow account, rather than reducing my principal, and hence interest owed! Every time I called, customer service stated that the problem would be corrected. Finally, XXXX XXXX, XXXX ASC/Wells Fargo sent a letter to me revising interest paid for the years XXXX and XXXX!!. No loan history has been transmitted as of this writing. I still have reason to doubt those figures because the interest due each month is {$1100.00} which would be equal to {$13000.00} for a full year. Without a loan history, I ca n't tell if my payments have been recorded properly. According to my XXXX, XXXX statement, my next payment is not due until XXXX XXXX, XXXX XXXX yes, XXXX!!! ) and my escrow balance is now approximately {$5600.00} ( which is more than twice than that shown on the cash flow analysis used to compute the adjustment to my monthly escrow payment ). During this time, ASC recorded a monthly escrow fee of {$180.00} and then {$220.00}, even though the monthly escrow was not scheduled to change to {$190.00} until XXXX XXXX, XXXX. ( I paid the escrow shortage of {$390.00} ) The escrow cash flow analysis shows that the maximum amount of {$2500.00} will be in XXXX, XXXX which is when the ( {$2200.00} - {$2300.00} ) annual property taxes are due. There is an extra {$3100.00} in this account now. ASC is also not fully applying my extra principle payments, rather the monthly loan statements show funds " unapplied '' that are not being used in my loan payments. Since XXXX, I submitted monthly payments of {$13000.00} and {$18000.00} and {$13000.00} and {$19000.00} BUT my principal hardly dropped. My required monthly payment is {$1200.00} but the extra payments have not been applied according to normal banking procedures. That is the reason that my interest payments are in error and my loan balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize
Product: Mortgage

Freedom Mortgage has incorrectly calculated our Escrow. We have contacted the company 7 times regarding this matter. The XXXX department refunded the homeowner insurance the previous provider incorrectly purchased. However, our escrow balance has not been adjusted and they continue to charge us an extra {$50.00} per month for escrow. This has gone on for XXXX months and every time we call they say it will be fixed. We wait and it does not get fixed. This company is scamming us and our only recourse seems to be to sue them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Single family XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX., unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hoursXXXX XXXX XXXX  The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California XXXX.
Product: Credit reporting or other personal consumer reports

I applied for a rural development housing program loan, and they could not approve me for much ( under $ XXXX ) for a home loan due to my credit report showing that I have almost $ XXXX in student loans, when I only have $ XXXX. 

I asked the housing program to supply me with the credit report they had, and I had to request it via wet signature letter. I sent this to the housing program and they provided me with the credit report, which I can provide if needed. Each loan has been repeated twice, once by Mohela - my student loan servicer - and again by Missouri Dept. of Education. 

The phone numbers for each company are listed at the end of the document, however when I call, both phone numbers answer with " Thank you for calling Mohela ''. I have reached out to them daily with emails, and have gotten no response. Every time I try to call, the phone wait is over 5 hours and no one ever answers.
Product: Credit card

I requested to cancel account on XXXX to avoid paying the annual fee that would be billed effective XXXX. I spoke to several customer service representatives. No one wanted to cancel my account. I received a letter in mail stating that if I canceled before XXXX I would not be charged. I also questioned what the {$12.00} per month charge that I was receiving every month. I want the account canceled and not to pay the {$49.00} annual fee. I was told by XXXX to call back later.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX has placed an account on my credit report, listing it as a charge-off and also stating that I owe a balance of over {$7300.00}. I do not recognize an account where I owe over {$7300.00}. I do recognize that I have an account with XXXX billing services XXXX XXXX XXXX XXXX and the original loan amount that I had with them was {$2500.00} which I paid several payments on. This creditor has never provided a debt validation notice as required by law. This creditor has never provided me with a copy of my original wet signature authorizing them to place items on my credit report. Reporting an item on a credit report as charged off indicates that the account has been charged off and it's a 1099-C is required by law to be issued to the consumer. When I contacted the creditor, I was told that the account was placed for collection with their collection department/agency. Again they have never provided proper debt validation via certified mail as required by law. This is a clear violation of the Fair Debt Collection Practices Act. Reporting an account on a credit Bureau report as a charge-off when it is a collection is fraud. Reporting an unvalidated debt to all three credit bureaus is also a violation of the Fair Credit Reporting Act. Reporting a charge off with a current balance due as well as a past balance due is also a violation of the Fair Credit Reporting Act. Denial of the consumer 's 1099C for a charge-off account is also a violation of the federal tax code
Product: Credit reporting

XXXX, 2012, i got a lease from mercedes benz financial services. I was actually a guarantor, not the user of the vehicle. Later that year, my business was shut down because of XXXX XXXX, and I was unable to make timely payments for the car anymore. Repeated attempts were made to explain the situation to Mercedes Benz, for them to take back the vehicle and try to understand that my business was flooded and inoperable. They would n't allow it, and forced the lease on me. I was late in my payments and then finally the vehicle was repossessed XXXX. 

They forced me to continue to pay for the lease even though the vehicle was no longer in my possession, and refused any sort of sympathy. 

Even though I used the vehicle for only one year, they forced the entire three year term on me - understanding that my business was flooded because of XXXX XXXX and i no longer had income to cover the payments. 

I paid out the entire term of my lease, every single penalty payment was made as soon as my business went back on its feed. In the end, i ended up paying almost the full retail price of the vehicle ( with all the penalties they forced me to pay ), for using it for only 1,5 years. And my entire credit history was destroyed. 

Please help, remove this from my credit report as I feel like Mercedes Benz took advantage of a situation that was completely out of my control - and now I gave them more money than the vehicle was ever worth, while only using it for close to a year!
Product: Debt collection

I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a XXXX and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my XXXX. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.