23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The closing statements agreed upon by Wells Fargo and my self states that Wells Fargo is not to deduct the monthly mortgage payment from my account until the XXXX of each month this began on XX/XX/XXXX. Wells Fargo has not complied with the contract on numerous occasions and I have previously file a complaint with the CFPB and the response from Wells Fargo has been to blame my bank. This is my final complaint to the CFPB. I want to get a response Home Mortgage. Wells Fargo Is harassing me due to the number of complaints I have filed. The XXXX XXXX Mortgage holders are being duped, Actions that should have been fully investigated years ago. Over paying interest, Wells Fargo made the decision to combine an entire state of Ohio, no matter when property taxes are due and send out escrow shortages notices, bases on inaccurate dates. Wells Fargo receives the new property tax rates in XXXX of each year for the following year. but send out escrow shortage notices in XXXX for the entire state and calculated to be due in XXXX, ENCLOSED YOU WILL FIND THE FOLLOWING : XXXX. Closing statement dated XX/XX/XXXX showing first monthly mortgage payment in due ON OR AFTER XX/XX/XXXX. 
XXXX. Confirmation of monthly monthly electronic withdrawal with first withdrawal XX/XX/XXXX and continuing each month thereafter. 
XXXX. Wells Fargo submitted the ACH payment to my bank on XX/XX/XXXX XXXX. XXXX XXXX deducted the funds from my account on XX/XX/XXXX XXXX. XXXX XXXX sent me confirmation that the funds were deducted from my account on XX/XX/XXXX. ( See email date XX/XX/XXXX ) XXXX. Wells Fargo - Criminally mailed me a statement which Wells Fargo date as XX/XX/XXXX as if Wells Fargo actually deducted the funds on XX/XX/XXXX. This is a lie. And Wells Fargo Has done this before. 
XXXX. Please note on the Wells Fargo XXXX, " ON OR AFTER XX/XX/XXXX, A LATE CHARGE OF {$32.00} MAY APPLY '' There is no need for Wells Fargo to ever, ever deduct via XXXX any funds from my account prior to the XXXX of the month, other than to harass me. this is a blatant breach of the contract. This is all intentional. If there is another breach it will result in a legal action. Proof is proof. I am sick of Wells Fargo. Enough is Enough. I intentional chose the XXXX to coincide with my retirement funds. I can not have Wells Fargo causing me to incur insufficient funds just to get back at me. A contract is a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1800.00} XXXX {$530.00} XXXX  XXXX  XXXX XXXX {$63.00} COLLECTIONS XXXX {$63.00} XXXX  XXXX {$510.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

I have been paying all my account on time and in advance for the pass 7 months and the credit bureaus XXXX and XXXX is still reporting in accurate information. They are reporting old and late accounts .thats should not be on my reports. i submitted the information to them and there is still no progress. This is hindering me from getting a mortgage loan or credit card.
Product: Credit card

A merchant charged my credit card without my knowledge or permission. Because I knew the merchant and had authorized an initial payment the credit card company let him charge an additional XXXX without calling or verifying the information with me. I did not authorize this charge and they wont take it off, even though I reported the fraud as soon as I saw the charge.
Product: Credit card or prepaid card

For more than two years, reporting this account as fraudulent, firstly through XXXX and through Synchrony with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Sychrony/XXXX  account # XXXX fraudulently opened XX/XX/XXXX with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I had taken a loan of XXXX in XX/XX/XXXX to pay a company called XXXX to waterproof my house for a flooding basement. They were to install a sump pump, an indoor and outdoor drainage system, and moisture and water blocking on the outside of the home. I specifically told Greensky to not pay XXXX until the job is complete. I have proof of this. Greensky went ahead and paid XXXX before the job was completed. XXXX has been to my house XXXX times now and the job is still not complete. Not only is the job not complete but they have done over {$10000.00} worth of damage to my home in which they refuse to fix. They broke my basement stairs, completely scratched all of my new paint in the basement and outside walkway, broke the stone stairs leading up to my house, punctured holes in my drywall, broke a stand that was built into my wall, broke the lattices to my back deck, broke the lock to my side door. They were supposed to come back out on XX/XX/XXXX for the XXXX time but didn't show up and is not taking my calls. They also had me purchase over {$1000.00} worth of materials in which they were supposed to reimburse me for but is now refusing. Again, Greensky was not to pay XXXX until the job is complete. My basement is still flooding, I now have so much damage to my home that I have had to pay other contractors to come fix, have called off work XXXX times which is 22 days of lost wages, and lost the money for the materials. Our contract had stated that the job would be complete within 6 months, but it now has been 10 months, and they didn't show up on XX/XX/XXXX so this is breach of contract. I have sent an email to Greensky every single time that XXXX came out. I have been trying to reach my case manager at Greensky, XXXX XXXX extension XXXX, for a month now about this but she has not returned any of my many phone calls and emails. I would like Greensky to return all of my money that I have paid thus far and also clear my loan for all of these issues. I have written documentation and emails to prove all of the above.
Product: Money transfer, virtual currency, or money service

I have two Certificates of Deposit dated XX/XX/XXXX totaling {$25000.00}. In XX/XX/XXXXI took them to Wells Fargo XXXX XXXX XXXX, XXXX NCXXXX to redeem them. I spoke to a customer service agent XXXX XXXX. He told me they couldn't redeem them as their records only go back seven years. I have paper records. Why can't they redeem them? I have the originals in my possession. On them it states : " Automatically renewable ''. Can you please help me get my money. I can send you copies of the CDs. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  NC XXXX  ( as shown on the CDs ).
Product: Checking or savings account

Bank of America reports bogus information to XXXX even though I do n't owe them money
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX  account ( account number XXXX ) with a balance of {$18000.00} opened on XX/XX/XXXX, XXXX  XXXX XXXX account ( account number XXXX  ) with a balance of {$1700.00} opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to accurate and verifiable information on my credit report. 

Details of the Dispute : Account Details : XXXX XXXX XXXX XXXX XXXX  ) Inaccurate Reporting : Late payments, including 120 days past due, have been inaccurately reported across multiple months, despite discrepancies in timing and reporting across credit bureaus ( XXXX and TransUnion ) XXXX 
Legal Concerns Raised : Permissible Purpose ( FCRA Section 604 ) : You are required to ensure that any information shared with credit reporting agencies is accurate and only for permissible purposes. The reporting of inaccurate delinquency status violates this obligation and infringes upon my rights under the FCRA. 

Privacy Act of 1974 : I have not provided consent to share or report incorrect and unverifiable information. Reporting incorrect details not only violates the FCRA but could also constitute a breach of my privacy rights under the Privacy Act of 1974. 

Timing of Payments ( FCRA Section 623 ( a ) ( 5 ) ) : Under the FCRA, furnishers of credit information must ensure the accurate timing of delinquencies and ensure consistency across all bureaus. The reported 120 days past due status lacks proper timing verification, as evident from the discrepancies in the reporting date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed 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 XXXX XXXX XXXX  15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the XXXX  credit reporting agencies XXXX, XXXX, and Equifax over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

In XXXX, my loan was consolidated with my ex spouse through Sallie Mae. While divorcing in XXXX XXXX, I begged and pleaded with Sallie Mae to break apart out loans. I was listed as the co-borrower and was worried if my ex spouse did not pay, I would be stuck with the full amount. They refused. The loan went into default. After divorce was final and some time later, I made a arrangements and we began to pay the loan again separately- however I could not make any changes to the loan and was barely able to discuss the loans when I called. Once we began paying the loans, they were transferred to XXXX/XXXX.
Product: Credit card

please review the attached documents. I urge the bureau to commence an investigation into these accounts, as they incorrectly label me as late despite my timely payments.
Product: Checking or savings account

On XX/XX/XXXX I stopped for gas at a XXXX. The XXXX XXXX  did not have a tap to pay option. I had to enter my debit card and PIN number to start fueling. I then continued driving on to my destination. On XX/XX/XXXX a charge from both XXXX and XXXX XXXX was posted simultaneously to my checking account with a transaction date of XX/XX/XXXX. The XXXX charge was {$310.00} and the XXXX XXXX charge was {$130.00}. 
When I looked up the XXXX and XXXX XXXX, based on the store number from the posted transactions, it happen to be the XXXX XXXX XXXX XXXX  to the XXXX XXXX  XXXX  and XXXX  XXXX XXXX XXXX XXXX. 

I called Wells Fargo and Disputed the charges, since I did not make those charges. After getting gas I continued driving. I had my kids in the car with me. Any mom would know that I would definitely remember getting my kids in and out of their car seats twice to go into stores. I also would have noticed the {$310.00} worth of groceries from XXXX and the {$130.00} supplies from XXXX XXXX. Also to mention, I did not even stop at the XXXX XXXX or XXXX. Therefore, theres no way I made those charges. 

Wells Fargo immediately refunded my account {$450.00} during the investigation. 

Now 3 months later the {$450.00} was taken OUT of my account by Wells Fargo. Wells Fargo denied the claim 3 months later. They did not provide any reason as to what evidence or reasons they have to deny the claim except for stating they were authorized charges. 

I kept asking what basis they were using to determine that the charges were authorized charges. They provided no answer. I, the owner of the account, did not use my debit card at XXXX or XXXX XXXX that day. Neither did my husband, who would be the only other authorized user. Therefore, they were not authorized charges. 

Wells Fargo would not explain anything to us. They said there was nothing else left to do. I guess they are assuming I am suppose to let someone take my {$450.00} and be ok with it? 

What happened is someone stole my card information when I inserted my card at XXXX. They took the card information and used it at XXXX XXXX and XXXX. Now Wells Fargo is completely supporting someone else using our money. It was our money we worked hard for and we trusted in WellsFargo to keep safe. 

Those were my last XXXX transactions with that debit card number since I canceled my card immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a XXXX client and have XXXX XXXX XXXX accounts with XXXX. Out of a sudden, I got emails saying that my Zelle accounts, XXXX  addresses and phone numbers are all suspended from using Zelle services. 

I contacted my XXXX XXXX XXXX XXXX which run an investigation and informed me that one of the guys who sent me a fund reported it as a fraud which in fact isn't true. 
I clarified the thing as It was purposely received on behalf of my friend as the fund which he reported as a fraud wasn't his first time transfer but he even sent me around XXXX times before it and all was fine. 

XXXX ran an investigation as It came negative as my accounts with XXXX were released from suspension. 
They informed me to contact Zelle to get my account released with them too. 
When I contacted Zelle, they informed me that XXXX is who suspended your Zelle account. back and forth each side of them says the other side for more than XXXX calls for each side. 

I have recorded their voice calls, I have an official report from XXXX stating the Zelle suspended my emails, phone numbers and accounts. 

I asked to get a brief reply from Zelle for the issue and forward it to XXXX but they ignored my request. 

Not Just that but I even had been informed that Zelle banned me from using their service with any potential XXXX XXXX or XXXX XXXX
Product: Credit card or prepaid card

Case number XXXX. Applied for a UBS Visa XXXX card in XX/XX/XXXX. Completed the paperwork and it was received XX/XX/XXXX. Then I got a letter third week of XXXX asking me to send copy of drivers license or utility bill on my name. I sent both and it was received XX/XX/XXXX. Then I called several times for an update. I was finally told on XX/XX/XXXX that the copy of the drivers license was not legible, even though I sent utility bill on my name as well. I sent them by email. I called several times after that and they confirmed they were received. Today I was informed my application was denied and the person on the phone told me I had to wait for the letter to know the reason. I have good credit, good income and good net worth. This has been the most difficult company Ive done business with, and Im unsure why they treat prospective clients this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

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  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i entered a consumer credit counseling agency called XXXX to pay off 7 credit cards and 1 loan. First payment was XX/XX/year>. I paid XX/XX/year> Santander payment on my own .XXXX  XXXX this arrangement with creditors by a contract. On my XX/XX/year> statement, there was no change. On a letter dated XX/XX/year> from XXXX they have accepted contract. On my XX/XX/year> XXXX  statement there is a reflection showing my interest rate and loan monthly amount changed. On XXXX XXXX says my account is 24 days overdue after agreeing to new proposal. I told them I would pay the XXXX asap. They said account was 24 days late.I paid them on their XXXX day that they said I wa late. I also spoke to a XXXX XXXX and he stated I would not be reported as being late. When I pulled my credit and saw I was on XX/XX/year> I called XXXX and told them to pull phone records from XX/XX/year> t/c to XXXX XXXX and they could not I included my XX/XX/year> statement showing you everything. They reported my account past due over 30 days. I beg of you help me I will not be able to get into XXXX  programs in my community because of this 30 day late post. I am trying my best
Product: Credit reporting, credit repair services, or other personal consumer reports

This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX  in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As XXXX  is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS 5_CFPB Response XXXX XXXXXXXX XXXX XXXX XXXX