23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried on numerous occasions to come to some sort of an agreement with Wells Fargo on my HELOC account. I am having trouble repaying the loan, and am looking for some restructuring of the debt to bring the payments lower. I had gone through the process once, and not only did it take a long time to go through, mostly because the person assigned to my case would not return my calls for assistance on the paperwork, or would as for items, and then tell me that she actually needed other documentation instead. I spent more time on back and forth, then actually sitting down to discuss options for a solution. Basically I felt like I was given the run around and in the end, told there was nothing they can do. I am a senior citizen, on a fixed income. The payments now are interest only, but will soon become P & I payments. I am behind since XXXX, and have medical issues that I need to budget my fixed income to take care of. I learned that there was actually a law suit against Wells Fargo by other customers who also went through the same situation. They found that Wells Fargo did not help those searching for assistance in a timely fashion and lost their homes to foreclosure. Another thing adding to this is the fact that my daughter was tricked into signing papers on the loan. She had power of attorney over my financials, and the loan agent at Wells Fargo told her that she was signing documents showing her power of attorney, when in fact it put her on the loan as a co-signer. Because of this her income is looked at to make decisions on my repayment ability, when in fact it should not. She has her own home and finances to worry about. This is a slimy tactic for the bank to use and now put her and my son-in-law in this mess. My son in law who also works for a bank stated to me that there are lots of programs out there that can help to modify the terms of the loan, so that the payments are manageable and I can for fill my obligation. He also stated that at his bank, they do riders and mods all the time to release parties from various loans as long as both parties sign the paperwork to do so. Now My daughter is trying to go through this process with me again, and again, we are getting no communication or feedback from anyone at Wells Fargo. I am asking that someone help me to please have these people help to restructure my loan into payments I can afford based off my fixed income. I also want my daughter removed from the loan documents, as she no longer has power of attorney and has no interest on the property being used. That and the fact she was tricked into thinking she was being listed as an authorized person to act on my behalf on the account, not to be responsible for it.
Product: Credit reporting or other personal consumer reports

As I keep a close look out on my credit file, I noticed that my score has dropped XXXX points again for the XXXX time due to inaccurate changes that has been made to the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A VIOLATION of law 15USC 1681e ( b ). I would really appreciate it if you all delete the above accounts if you can not properly investigate thoroughly. You are truly keeping me from obtaining credit as Im in the worst part of my life financially. This is truly frustrating and damaging to my life. I am trying to work with you all within this small window of time we have with this dispute before I move to legal representation to claim monetary damages. This is a continuation of my original cfpb complaint number XXXX on XX/XX/year>
Product: Debt collection

I have reached out the State Collection Agency on multiple occasions to attempt to resolve this issue. I also informed them that this was included in my bankruptcy. I have also sent them a copy of the XXXX  page stating that it was included in my bankruptcy.
Product: Credit card

Hello, i received a letter from synchrony bank dated XX/XX/XXXX, stating that since my XXXX XXXX has expired, my interest rate will go up to 30 %. I have had this acct for XXXX plus years, with a zero interest rate. When i applied, i received a zero interest rate, promo offer.six years plus later, i received the above referenced letter. My acct wasn't covered under the SCRA act, as i was not an XXXX XXXX member. On XX/XX/XXXX, i called XXXX, and spoke with XXXX XXXX. He couldn't answer my questions that i had about the letter, regarding the increase of interest rate from zero to 30 %. He put me in contact with XXXX, his supervisor. Both conversations were recorded. She basically said, since you are no longer XXXX XXXX, the rate will go up. I explained that, when i applied for the acct, i wasn't XXXX XXXX, and also sent a copy of my XXXX. She basically stated, since you were no longer XXXX XXXX, the interest rate will go up. On XX/XX/XXXX, i called again, this time i spoke with XXXX, explained the reason for my call. She said the same thing as XXXX XXXX. I asked to speak to her supervisor, she put me in contact with XXXX. I asked if the whole balance was subject to the 30 % interest rate, she said yes. I read her the letter, since she couldn't download a copy. She said the letter says yes, i will be paying the whole balance at 30 %. I asked her for a phone number for corporate headquarters, to get more information, since i wasn't happy with her response. She said contact thru postal service or email. No phone number. She mentioned several times the call was being recorded. While on the phone with XXXX, i asked her to send me an email stating that I will be responsible for the whole balance at 30 %. Not just the balance of what i charge after XX/XX/XXXX. The whole balance! She declined to do so. I then reminded her the conversation was being recorded. I told that I didn't understand the legalise of the letter, and give it to me in language, a layman would understand. My complaint is, are they legally allowed to retroactively charge me 30 % for the whole balance. Right after I called the first time, i received a notice that my available credit limit would go up to {$7100.00}. XXXX stated that i shouldn't have a XXXX % interest rate at all. Someone at the bank XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had an account opened, using my email address and money sent using my debit card number from remitly.com.

Although my bank was able to stop the fraudulent charges, cancel my card and issue me a new one,
Remitly did absolutely nothing to protect my privacy or assist in the situation.

Remitly does NOT employ any step to verify a user 's email address before allowing them to use their services. This means they have XXXX proof that the person is who they say they are. They are not taking the first and easiest step to prevent fraud.
Product: Credit reporting or other personal consumer reports

I am checking on the status of Complaint ID : XXXX. Senior XXXX of XXXX XXXX  sent a letter back stating that the late payment reporting in XXXX and XX/XX/XXXX would be removed from my credit report within 60 days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the XXXX XXXX and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days. Remove late payment. The company submitted an update to the credit bureaus to remove the late payment reported in XX/XX/XXXX last year!
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.
Product: Money transfer, virtual currency, or money service

THIS IS FRAUD : SEND COMMUNICATION HERE : XXXX XXXX XXXX Zelle Logo BD You only have 3 days left. 
Enroll to receive {$9100.00} from XXXX Bankruptcy Distribution " Your XXXX  Bankruptcy distribution payment was sent via Zelle. '' ENROLL TO RECEIVE To receive your money, enroll using this email address : XXXX Before XX/XX/scrub>XX/XX/2024 Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 

For more information, please visit https : XXXX Zelle Logo Contact Privacy Legal Contact Zelle Support at XXXX , 7 days a week, XXXX Eastern. 
XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX USA 2024 Early Warning Services , LLC. Zelle and the Zelle related marks and logos are property of Early Warning Services , LLC. 
Unsubscribe here to stop getting emails from Zelle.
Product: Vehicle loan or lease

I was originally financed for a vehicle through a company called Exeter Finance. I recently refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX  sent the check out XX/XX/2021. It was cashed and deposited XX/XX/XXXX XXXXExeter is saying they have not received the check. It has clearly been cashed by their company. We sent it to the correct address made out to Exeter Finance. The cashed copy shows that the check was not tampered with. Customer Service has been unhelpful and unwilling to let me talk to management. My account with them remains open even though they have recieved {$13000.00} for the payoff.
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 Report on TransUnion. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

Please find enclosed printed account records to support the following problem with my accounts. On XXXX XXXX, 2017 I  made a mobile/Internet Banking transfer of {$1000.00} USD from my HSBC Premier Checking account # xx-xxxxxxx to my HSBC Premier XXXX account # XXXX, Transaction Reference # XXXX. As the records indicate the amount was debited from the Checking account but was not received in the XXXX account. This has affected the balance as now incorrect and caused more interest to be charged than should have been. 
Would you please look into this matter at your earliest possible opportunity and post the corrected amount to my XXXX account and adjust the interest payment. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute dated XX/XX/2021 and another over 30 days ago. I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Transunion still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquires from my consumer report. I understand that transunion has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Transunion is definitely attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report transunion also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Transunion did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with transunion and i have been disreguard
Product: Credit reporting or other personal consumer reports

Saturday XX/XX/year> I checked my email and had an alert from XXXX XXXX. CREDENCE RESOURCE MANA put a fraudulent bill from XXXX XXXX for XXXX on the website. I have an open account with XXXX XXXX now and pay my bill monthly automatically they have all my information. Ive been a customer with XXXX XXXX for over 20 years. I live in XXXX  and this CRM is in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Equifax to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Equifax did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Equifax did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the XXXX XXXX XXXX XXXX inform Equifax that Equifax is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Equifax delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
Product: Credit reporting

I would like for Equifax to contact XXXX the original credit card company who gave me a card back in XX/XX/XXXX, my first delinquency on this account was XX/XX/XXXX. The account was sold to XXXX debt equity on XX/XX/XXXX. Continuous disputes with XXXX to see my XX/XX/XXXX first delinquency dates have gone unanswered. I e contact XXXX numerous of times about inadequate information in my credit report. I 'm holding Equifax accountable for their lack of verification of my first delinquency date in XX/XX/XXXX. Verification : is sworn testimony. Third party is insufficient '' XXXX. First hand knowledge. First someone verifies but do n't have first hand knowledge then it 's not verification, it Hearsay. And hearsay is inadmissible and the court says its incompetent. FCRA 603 ( 0 ) ( 5 ) ( A ) ( I.iii ). I want to know Tge person name Equifax verified the dispute with and documentation used to verify the dispute. According to the FCRA, the reporting agencies are required to forward the disputed information to the furnished of the account ( original creditor ). XXXX, but the credit reporting agencies only forward the two digit code according to their automated E-Oscar sustem ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I want this tradeline deleted or I would like to sue sue Equifax for non-willful compliance of the FCRA. The item is scheduled to come off in XX/XX/XXXX with Equifax, I want this item off today.
Product: Checking or savings account

I am filing a complaint against Capital One with their failure to deposit my direct deposit from my employer. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access funds. This situation raises concerns about consumers protection laws. I am requesting your assistance in investigating this matter to ensure my rights are upheld. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX INQUIRIES ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT EQUIFAX, XXXX, XXXX, XXXX, AND PLACES THAT ARE UNKNOWN. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXX, AND THIS IS ELDER ABUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions. 

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report.

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.
Product: Checking or savings account

I am experiencing online fraud. Someone transfered my money out from my BOA checking account total about {$1500.00}. I reported fraud to BOA. after investigation, BOA refused return my money.
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, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, 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 ) 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: Debt collection

in XXXXXXXX XXXX XXXX I was put in collections for a utilities bill of {$100.00} from XXXX XXXX in XXXX Tx. This was not from my house nor from my city. I called the agency and spoke to them about the fraud they asked me to make a police report and after talking with XXXX it was taken off of my credit report. now months later another collection agency mercantile adjustment bureau is claiming I owe the same amount {$100.00} from XXXX XXXX in XXXX Tx. the police case number is XXXX and I spoke with XXXX again and they said they would dispute it.
Product: Debt collection

I had started a new job, that I never told the bank about because I didn't even have a month working their, and while I was home before going to work one day, ( XX/XX/2019 ) I get a call and text message from my supervisor telling me that agents from the bank are at my job place looking for me, and left a card with the supervisor about my debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX and their collector, Convergent Outsourcing failed to properly inform me for when the dept was incurred, leading to believe that I was being Over Billed.