23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have two accounts with Wells Fargo, a checking and savings account. Wells Fargo has a program that is supposed to help you save money called Save as You Go. They take random amounts of money every time you spend from checking account and automatically move it to your savings account. It has never been explicitly communicated how they determine how much will be transferred to your savings account. In earlier days, it was typically a dollar now it varies. On XXXX XXXX, XXXX, an overdraft protection was applied which resulted in {$25.00} being pulled as a cash advance from my credit card. My credit card is linked as overdraft for my checking account. The overdraft protection was for a deficit of just a few dollars. This few dollars deficit is because Wells Fargo pulled a random amount to move to Save as You Go which actually goes from my checking account to my savings account. The actual transaction I made had enough in my account to cover it. The next morning on XXXX XXXX, XXXX less than XXXX hours later I transferrred {$2000.00} from my savings account to my checking account. I called Wells Fargo to find out how I can pay back the unnecessary overdraft protection to my credit card since cash advances are at a much higher interest rate. I was told that there is no way to specifically pay off a cash advance. That IF you pay more than the minimum in a given month, TYPICALLY the excess money will go toward your cash advance. I said well this is a result of a shell game that Wells Fargo decided how much additional money they were going to shift from my checking to savings account under this Save as You Go which is supposed to help you save money. Now, you are adding the ability for Wells Fargo to continue to make additional interest for YEARS on a high balance credit card without giving me the consumer the ability to tackle that specific charge. I did deactivate the Save As You Go feature. I 'm also asking that this overdraft protection be reversed. The deficit is my own deficit because it is because it was n't enough to move the amount Wells Fargo wanted to shift. This has NOTHING to do with a retailer or external charges. This is ALL my money where Wells Fargo is taking money out of my left pocket to put in my right pocket and forcing me to pay higher interest for a cash advance. This is very unethical since there is no process to payoff cash advance directly especially because it was used by XXXX XXXX to pay me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial call into XXXX XXXX XXXX in XX/XX/XXXX. Discussed I was on a consolidation plan to repay the credit card balance owed. I inquired about any late payments on my credit will being removed since I was a part of the consolidation program and making timely monthly payments. The associate at Capital One said yes, my late payments for 4 months will not show as late on my credit and will be shown as current and paid on time after I have paid for 4 consecutive months. She said they needed 4 months of consistent payments before they updated my credit report. I called again in XXXX and spoke with a representative/ manager on XX/XX/XXXX, she indicated they would listen to the recording and get back to me with the results of the call. As of today XX/XX/XXXX, I have not received a response or update to the matter. It was my understanding that the late payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX would not show as late or have a negative impact on my credit but paid on time and current since they were in fact receiving timely payments. The Manager on XX/XX/XXXX said they received timely payments and she would listen to the recording and get back to me. Currently I have 4 late payments with Capital One even though they have received each payment timely each of those months. I would appreciate them correcting this on my credit report to remove the late payments and correct as paid and timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX List of Accounts : XXXX To EQUIFAX bureau re : creditor- XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX XXXX. To XXXX XXXX Equifax Credit Bureaus : Noted errors-XXXX  date opened showing : XX/XX/XXXX/ Equifax date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX. To XXXX XXXX Equifax Credit Reporting Bureaus Re : Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX XXXX. To XXXX Credit Bureau Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX According to the FRCA The term " investigation of consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted, or wo may have knowledge concerning any such items of information.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Debt collection

XXXX reports I owe them {$2900.00}. XXXX send me a letter that says I owe {$1400.00}. How do I go from owing {$1400.00} to {$2900.00}. XXXX is repsorting inaccurrate information. All equipment was returned to XXXX  so there is no way I owe either of those amounts
Product: Mortgage

I have a property that was quiet claim to me. Ocwen say it is in foreclosure stopping me from doing anything and tieing up my equity for investments in other real estate.

They also keep paying my taxes. I have sent them letter to stop this and to remove the lis pendis from my property. but they still pay my taxes and i keep sending letter for them to stop.

cfpb told me cit owns the supposed mortgage but i have not been able to get them to respond since 2016.

so i am trying this all again. 

Ocwen Account/Loan number XXXX Property : XXXX XXXX XXXX XXXX, XXXX, CT XXXX old owner : XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX, my credit limit was reduced from approx. {$1600.00} to {$850.00}. I was approved for the XXXX XXXX credit card over 4 years ago and worked very hard to keep my account in good standing. Until my accident and subsequent care from XX/XX/XXXX to XX/XX/XXXX, my account had received several credit limit increases due to my account being in good standing. During this time, my sister contacted this company and informed them of the situation. Although my card was at a XXXX   balance in XX/XX/XXXX and XX/XX/XXXX, and the account was not delinquent, after using it in XX/XX/XXXX, my credit limit was decreased with no notification. This negative action also lowered my credit score which caused the same bank to lower the credit limit on my XXXXXXXX XXXX XXXXXXXX credit card from {$250.00} to {$100.00} after having this credit limit for approx. 4 years with good payment history. The only reason I was given was the decision had nothing to do with my account history with this company. There are some things on my credit report that I am fighting to remove due to fraud, but the actions of this company also negatively affected my credit unnecessarily and it should not have when I did make my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is the only credit reporting agency that didnt honor my report with the FTC and police report. These Identity theft accounts that remain still open on my TransUnion report. TransUnion was the only reporting agency that didnt remove the fraudulent, Identity thief accounts on my report. Can you please help me in this matter these accounts obtained are Unfortunately harming my livelihood.
Product: Debt collection

XXXX XXXX ( XXXX XXXX ) is in contractual violation of the lease to an apartment I rented from them from XXXX. They falsified inspection documents after I moved out and then continued to claim that I owed them more money, each time I would pay what they asked for. I finally told them enough was enough, at which point - they sold off the " claimed '' debt to a collection agency.. this is my last resort at getting this resolved before I take them to court. I've attached documents for reference. There is much more documentation, going back over two years. I refuse to continued to be bullied by this company - enough is enough!
Product: Debt collection

My health insurance XXXX XXXX XXXX XXXX XXXX XXXX was never billed for the medical bill from XXXX XXXX XXXX the origin of the bill. I contacted XXXX XXXX XXXX and they filed my instance after they sent me to collections with Amsher Collection by mistake ( invoice XXXX ). However XXXX XXXX XXXX XXXX pay the bill and I paid the remaining if the bill after the medical bill was recycled through the system. I contacted Amsher and give them proof the bill was paid by my insurance and myself and Amsher is still collecting on the bill. I requested they remove the bill from my credit report and sent them a certified letter tandcthe insurance billing paid cancelled check. AMSHER is still collecting on a debt that XXXX XXXX XXXX has been paid on ( {$310.00} ). I asked that the collection be removed from my credit report and Amsher continues to report this bill in collections.
Product: Credit card

Fraudulent charge was made to my account. Case # XXXX. Despite the {$0.00} liability claim, Discover denied my claim and held me fully liable for the full amount of the charge.
Product: Debt collection

XXXX XXXX XXXX has been reporting a {$2000.00} collection account on my credit report. I have never had any business with XXXX XXXX. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation, which I know to be a lie. I have disputed this transaction several times on my credit report through XXXX. It was removed once and then the company reported it again. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent XXXX XXXX requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from XXXX XXXX. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with XXXX XXXX.
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to PORTFOLIO RECOVERY asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that PORTFOLIO RECOVERY to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Debt collection

I have three accounts with Synchrony Bank ( e.g., two with PayPal and one with XXXX  ). On XX/XX/XXXX, I filed XXXX  XXXX bankruptcy in XXXX XXXX North Carolina. My legal counsel is XXXX XXXX XXXX of XXXX XXXX NC. My case # is XXXX. I have received repeated texts, emails, and phone calls about these debts. Please send all communications from the creditors to my legal counsel.
Product: Checking or savings account

No exact date however I opened a Navy Federal Credit Union checking and savings account in XXXX. I have been charged over draft fees or allowed to over draft my account when my balance showed a positive balance.
Product: Student loan

Hello, Upon logging into EdFinancial in anticipation of starting work following my XX/XX/XXXX graduation from XXXX XXXX XXXX XXXX, I learned that a Grad Plus Loan I had taken out was subject to XXXX missed payments, and that I now owed a rather large sum of money as a result. Apparently, EdFinancial decided that payment was due starting in XX/XX/XXXX, despite the fact that I was enrolled full-time in XXXX XXXX XXXX XXXX until XX/XX/XXXX, when I graduated. 

I have been prevented from signing up for an income-driven repayment plan whilst this balance is outstanding. Moreover, EdFinancial erroneously believes that my remaining Grad Plus loans must be subject to payment starting XX/XX/XXXX. I start working XX/XX/XXXX. 

The federal student aid website clearly states : " Youll receive an automatic deferment while youre enrolled in school at least half time, and for an additional six months after you graduate, leave school, or drop below half-time enrollment. You dont have to start making payments until after this deferment period ends. '' Notwithstanding this, EdFinancial apparently began demanding payment, unbeknownst to me, whilst I was still enrolled in school, and now seeks to recover 16 months ' worth of " missed '' payments that it was never entitled to seek.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

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
Product: Credit reporting

I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it
Product: Credit reporting, credit repair services, or other personal consumer reports

According to U.S. C 1681i ( a ) ( 6 ) and ( 7 ) I would like a the detailed steps taken to verify the accounts listed below. 
XXXX XXXXUPDATED XXXX XXXX XXXXUPDATED XXXXXXXX XXXX XXXX XXXXUPDATED XXXX XXXX XXXXUPDATED XXXX XXXX-UPDATED
Product: Credit reporting or other personal consumer reports

I have disputed the accounts in question and also provided a police report and proof of address and TransUnion refused to remove the accounts that I disputed as identity theft. TransUnion can not provide me with proof of ownership which is affecting my creditworthiness. This has hindered me to the point where I will have to take legal action to correct this situation. Upon disputing thru CFPB, if Transunion will not remove the account I will file my law suit in small claims court and demand {$5000.00} per account incident.
Product: Mortgage

My house is in foreclosure : I 've applied to do a short sale & have been ignored-now I 'm getting notices from the local sheriff 's dept.I was informed I could do a short sale : I started the preliminary process but, as per usual with BOA , the CSM changed & did not call.I called the numbers I had but my account was not in that dept. & I was n't given the option of speaking to anyone or leaving a message.Im frustrated & extremely stressed.Ive tried, to no avail, to get a loan modification.Now, I 'm just trying to do the right thing by selling the property, so BOA gets their miney & I can start over with my sanity intact
Product: Payday loan, title loan, personal loan, or advance loan

I'm a XXXXXXXX XXXX  on a fixed income. I needed a service dog & went to XXXX. I was given one price upon purchase but then EasyPay Finance had doubled my payments every months. A dog for {$3000.00} will cost {$9000.00} in a years time. I must borrow each month to eat and pay my bills. It's killing me! 

Please Help Me!
Product: Bank account or service

In 2010 I received a check from an attorney in XXXX from my brothers ' estate for {$30000.00}. He left each of his siblings this to take care of ourselves. My favorite store in XXXX was only XXXX blocks away from me and Chase bank was conveintly in the store. I opened an account with them, within a week I had {$2000.00} stolen by a young female employee. I was on a trip with my family when I realized what had happened. When we were dropping my grandson off in XXXX Chase bank told me I had no money in my checking account. I had {$8000.00} in my checking account when I left XXXX. When I returned to XXXX I looked at my statement that had arrived while I was gone and there were XXXX deposits of {$20.00} each put in my account that was done by an unknown person. I called Chase bank security and was told to hurry to the bank and talk to the manager there. I did and he was totally unconcerned and that made me suspicious. I have been trying to get help to get my money back, I have medical needs and no money to take care of them. I estimated that the bank has stolen about {$10000.00} from me in my checking and savings accounts. I was also told by other people that this happened to them at the very same bank. No one in their bank security dept has listened to me.. This is Chase bank on XXXX. My documents are in storage in XXXX. and when I go to retrieve them, I plan on suing
Product: Credit card

XXXX XXXX I completed feedback reference complaint about checking and I complain of XXXX XXXXXXXX XXXX XXXX XXXX XXXX against applicant with 3 character first name legal abbreviation calling name fictious of vital records and statistics. XXXX refuses to allow customer contact with literate staff of bank to issue credit card from asset ' ' character in customer bank record name of clerical error and solicits illiterate material to customer with asset ' ' character in birth-given name on bank web domain. Previously bank issued a illiterate account & card and I need a literate bank account and consumer credit card. My first name is said as rivi pooh and last name is said as chief with initials XXXX XXXX. of the State of California. I am completely illiterate to spanish and I only comprehend English ( US ) language. Staff mistakenly changed ( ) name into XXXX and speak from XXXX XXXX where customer is not legally present to communicate by birth-given name with character ' ' of abbreviation asset ignored and omited in account history & online content.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

Cashapp : XXXX XXXX / XXXX XXXX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : 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 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