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

I e-deposited a check from XXXX, XXXX for {$1100.00} on XX/XX/XXXX. The next day, Wells Fargo withdrew the funds and placed a hold on the deposit until XX/XX/XXXX, instructing me to contact the check issuer. After speaking with the issuer, I was told that the bank 's actions might be within federal guidelines. When I called Wells Fargo to understand why the hold was placed, they only stated that they were following federal guidelines. When I questioned the reason for the hold and mentioned that the duration seemed excessive, the representative became defensive, insisting that the hold was standard practice. I explained that I had cashed many checks before and that this situation was not typical. I asked which specific federal guidelines they were referring to, but they refused to provide details. The representative assured me that the funds would be available on XX/XX/XXXX but, when I mentioned that the issuer confirmed the funds were with the bank, I asked why Wells Fargo was holding the transferred funds. The representative then questioned whether I was certain about the issuer 's statement and suggested it was a matter of the issuer 's word against the banks. The conversation continued unproductively for about two more minutes, after which I indicated that I would reconsider my relationship with the bank. The call ended with the representative responding with a hostile, Have a good day.
Product: Debt collection

On XX/XX/year>, I was speaking with a representative of Genesis Credit Management on the phone after a few weeks of them calling myself, my employer, as well as my brother. In a previous phone call, I had asked them to send me information about the alleged debt and attempted to negotiate a smaller amount to be owed. They sent me a very simple list of the charges on the account that included my name, current address, and phone number. That is the only document besides their own invoices that I have ever received from this company. It did not include anything proving that I was legally or contractually responsible for the debt. 
During that phone call, I requested that communication be done over email ( since they kept calling me at work and I wanted a written record of our communication ). The representative that I spoke with was extremely resistant to this request and instead attempted to begin a discount application with me over the phone. I refused to apply for that discount until we had an electronic communication established. XXXX, the representative, seemed to get very annoyed with me for not doing what he wanted me to do. We went back and forth a few times with me refusing to budge on the email subject and he told me that he wanted to take care of this account before it showed up on my credit report. I then asked him if he was threatening my credit score and he got very defensive and agitated. He finally remarked that he was going to mark my account as Evasion of Debt and said " Good Luck ''. The phone call ended a few seconds after that. 

Since then, I have attempted to register on their online portal to see what is owed and if there's any more documentation connected to the account. I have been unable to register for some reason, so on XX/XX/year> I sent XXXX an email asking for assistance with registering. I did not get a reply, so I emailed him again on the XXXX, and then again on the XXXX. They have not contacted me at all in any form since that phone call on XX/XX/XXXX. 

Around XX/XX/year>, this collection has been added to my credit report. They still refuse to communicate with me.
Product: Mortgage

I was misled by Wells Fargo 's advice to accept a Balloon Mortgage as my secondary mortgage back in XXXX. 

As a first-time home buyer in XXXX, Wells Fargo advised me to take a balloon  mortgage as a second  mortgage instead of PMI. I did not understand what a balloon  mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. They also said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages, or they no longer offer them and were unable to help me. I even had XXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I also requested an amortization schedule in which they showed my mortgage as a conventional loan ( see attached ). Then they said that the amortization schedule was an error and they made a mistake. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} XXXX today : {$37000.00} The balloon mortgage has now reached its maturity and I am unable to pay the balance and I can not afford to refinance and pay this off. This has been very frustrating and a huge financial burden on my life. Since the Dodd Frank Act, Balloon mortgage loans should be forgiven for first-time home buyers and illegal in general. 
Please provide transcripts for the following : XXXX. In XXXX of XXXX, Wells Fargo representative said I could refinance the second mortgage into a single mortgage in a few years and that is what most people do. As a first time home buyer, I did not know better and took their advice. Wells Fargo records all phone calls, I would like to obtain the recordings and transcripts from XXXX and XXXX of XXXX. Please provide. 
XXXX. In XXXX of XXXX, the Wells Fargo representative also described the loan as a credit card. At that time, I was in the habit of paying off my credit card balances every month. I understood the loan to be a simple loan. Again, Wells Fargo records all phone calls and I would like to obtain recordings and transcripts from XXXX and XXXX of XXXX. 

I am learning more about the Dodd Frank Act and believe this issue should have been resolved back in XXXX. Can you please provide information on how the Dodd Frank Act applies to pre-existing balloon mortgages?
Product: Checking or savings account

On XX/XX/year> I deposited a check from the treasury department that was in my name into my bank account. The check was placed on a 8 business day hold and was to clear on XX/XX/year> which it did but the account was then immediately closed and I was not able to get access to my funds. I was told that the funds would be held until the check was " Verified '' with the IRS. I went into a Chase branch and should a banker all documentation to prove that the check was made out to me. I had my W2, my 1040, my tax transcript from the IRS, direct correspondences from the IRS saying that the check was being mailed out, how much it is for and when I should be receiving it. You can go directly on the irs.gov website insert my social security number and the amount of my refund on my 1040 and it will verify that the amount is correct also. Chase bank has said that they called all the numbers that they have to verify the check and was not able to do so and that there is nothing further they can do until the check is verified. I am befuddled as to why they are holding my funds hostage and they are giving no remedy as to how to even get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX that my employers was changed to XXXX. There are other companies that I never heard of. I have never worked for any other companies other than XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XX/XX/XXXX, XXXX 's XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX TN. I once reported my addresses as XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX,XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX TN,XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX TN XXXX. The courts used XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. I notice XXXX XXXX XXXX was due to be removed XX/XX/XXXX. Even though the property at XXXX XXXX XXXX was foreclosed on. And is suppose to remain on your credit report for seven ten years after filing a chapter XXXX bankruptcy. The date was changed to reflect the date of purchase to XX/XX/XXXX. My original loan was with XXXX XXXX XXXX. The loan was transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX. I have a copy of my credit report when I filed bankruptcy. The address identification number for XXXX XXXX XXXX is XXXX. The last transaction reported to XXXX  was XX/XX/XXXX. XXXX listed all payments made to XXXX XXXX XXXX  XXXX, the date of the payments, the amounts from XX/XX/XXXX-XX/XX/XXXX. The property was sold in XX/XX/XXXX to Tennessee Housing Development Agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. The register of deeds Instrument number is XXXX. The property was sold on XX/XX/XXXX in the amount of {$18000.00}. The instrument number in the XXXX County Register office is XXXX.
Product: Mortgage

I purchase my home through the XXXX XXXX XXXX XXXX. My mortgage loan is with J.G. Wentworth. Over the past couple of years, I have had an increase in health insurance premiums, prescription medication, real estate taxes, groceries and utilities. In XX/XX/XXXX, I contacted XXXX XXXX a housing counseling agency to see if I could possibly get help in reducing my mortgage payments. I have been working with XXXX XXXX, Housing Counselor. This agency is part of the US Department of Housing and Urban Development ( HUD ). All documents were submitted to J.G. Wentworth through XXXX XXXX XX/XX/XXXX I received a letter in XX/XX/XXXXstating that my request for a Standard Loan Modification was denied because I do not have sufficient income that would allow J.G. Wentworth to offer a modification. My total monthly income is {$2800.00} ( retirement & Social Security ) and my mortgage is $ XXXX monthly. My total expenses are {$3500.00} monthly. Any increase outside of what I have budgeted shortens any funds that I would need for my necessities.
In XX/XX/XXXX, we submitted an appeal and have yet to hear if it has been denied or approved. My housing counselor has spoken to J.G. Wentworth on several occasions and each time she has run into a brick wall. I have also spoken with J.G. Wentworth and keep getting the run around. They will not provide the underwriters information and they denied the modification. I am current on my mortgage payments, but I dont know how long thats going to last. This is why I am trying to get a jump on my financial situation before its too late. I want to stay in my home. I do have the file that was submitted to J.G. Wentworth.
I do hope that we can work together to get a reduced mortgage rate so that I may be able to continue to making my mortgage payments. If additional information is needed I can be contacted via email or @ XXXX. Your assistance is greatly appreciated.
Product: Debt or credit management

I used Lexington law twice once in approximately XX/XX/year> and again XX/XX/year>. I had to pay upfront a amount XXXX cant recall, then monthly + small other fees. I have no access to my profile they have completely shut me out.
Product: Prepaid card

My complaint is with Direct Express, the card used by the government to issue Social Security XXXX benefits. On XX/XX/2017, a deposit of {$910.00} was placed on the card. Around XXXX, I checked my balance, only to see {$17.00} available on the card. I made several attempts to call Direct Express. After about 3 hours and multiple attempts ( the call " dropped '' several times while I was holding ), the phone was answered by a customer service rep who informed me that there were several ATM transactions made in XXXX, totaling {$900.00}. There was also a {$2.00} transaction in which the 'card ' was swiped ( also made in XXXX ). 
I live in Mississippi. I have never been to Florida. I 'm currently in XXXX visiting relatives. 

I informed them that I did not complete or authorize these transactions and that I was a victim of identity theft. Direct Express canceled my card and will be sending a new card. I asked what I needed to do to get my funds added back to my account. I was told that I would have to wait 3-5 business days to receive the fraud forms in the mail. Once the forms are completed filled out and returned to them, an investigation would be started. In the meantime, I do not have money to pay my bills ( mortgage, water, electric ) or get back home. This is my first time in Maryland and I do not want to ask my relatives for money since I do n't know when/if I will be able to pay them back. 

This XXXX check is my only source of income.
Product: Credit reporting

I have disputed the information with Equifax ; I am waiting for their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, XXXX, Experian is governed by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed. 
according to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these. 
accounts. These are the accounts that's reporting in accurately. XXXX XXXX XXXX account XXXX XXXXXXXX {$1700.00}, XXXX XXXX XXXX account XXXX XXXXXXXX {$1600.00}, XXXX XXXX Bank account XXXX XXXX $ XXXXPlease remove these hard inquiries, I did not authorize for any of these companies to run my credit, I did not sign any documents giving any one permission to do so. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.. Also, these hard inquiries I did not give authorization for these companies to run my credit. This is a violation of 15 USC 1681 I did not give the credit bureaus written permission to run my credit. XXXX  of XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

Demand the refund in the amount of {$XXXX} for the " appraisal fee review '' that charged us in advance ( even before they order the appraisal report from the third party ) from XXXX XXXX Bank, XXXX, CA branch. Due to XXXX XXXX Bank 's deceptive and unfair lending practice, we forced ourselves to find another Bank to complete our loan refinancing process. The appraisal report ( we paid for more than {$XXXX} ) had been transferred to other Bank whom only charged XXXX ( appraisal review fee of {$XXXX} ) at the loan escrow closing date ( not in advance ). In fact, XXXX XXXX Bank did do anything after receiving our appraisal report from XXXX XXXX except demanding us to pay more than XXXX for other reports that no other Banks, that we contact, required for our loan refinancing process. They said they could not process our loan refinance until we send the above fund ( more than XXXX ) which we disagreed. These local ( XXXX, CA ) XXXX suggested that if we do not want to send them additional fee as requested, we could find another XXXX, which we did and were able to complete our loan refinance. This shows the fact that they have never attempted to process our loan before receiving the additional fund from us. Therefore, XXXX business bank has no reason to keep our " appraisal review fee '' They must refund us immediately. There are so XXXX bad reviews and complaints about this Bank since they took over XXXX Bank ( our original Bank that we had the loans with ). Please review. By contacting other Banks, we found out that we are victims of XXXX XXXX Bank 's deceptive and unfair practice lending. They charged customers as much as they can, their statement : " this is XXXX 's regulation ''. This Bank must be investigated thoroughly by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts has violated my rights XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have ghe 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: Credit reporting, credit repair services, or other personal consumer reports

I settled a balance with AMEX back in XX/XX/2019. I was NEVER informed that there would be a 1099-c with  tax consequences as a result. I would have never gone through with this settlement had this been disclosed to me and I would have preferred to make payments to pay entire balance. I need my entire tax return for my medical treatment. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I went on to https : //www.transunion.com/ to find a means to access my TransUnion credit report . I was prompted to create an user account on https : //www.transunion.com/. I was notified through email that I had signed up for a credit monitoring service for {$19.00} per month excluding taxes. In total, I was charged {$21.00} per month including taxes. During the account creation process, no mention of signing up for the credit monitoring service was made. Upon finding out this erroneous charge, I looked to cancel the credit monitoring service. I was able to cancel the subscription service within minutes. However, I was still billed {$21.00}. I am seeking a full refund for this fraudulent charge of {$21.00} and will be writing to my state 's Attorney General 's office about TransUnion 's misleading and predatory account creation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX XXXX back inXX/XX/XXXX2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Product: Credit reporting or other personal consumer reports

I discovered fraudulent activity on my credit report and request the immediate removal of this account as they are hindering my ability to obtain credit. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2022, I got a text for a charge of {$1700.00}, {$2500.00}, and {$70.00} all in XXXX Ky. I live in XXXX XXXX Ky and at this time I was laying in bed sick. I reported my card lost or stolen, had the card canceled, and waited for the transaction to post before contacting Card to dispute these charges. I got a hold of them Monday to dispute these charges where my tax money was taken. I then got letters in the mail for a XXXX XXXX who I have NO CLUE who this person, but try to buy a car with my card. Now, mind you every time I call a premium card I have to give my name Social security, address, last four, and so on, but on this day XX/XX/XXXX NONE of that matter because my money was taken and wasn't given back. They keep denying this case but won't send me where they get their information from. Because of this company I lost my home and my car because they allowed money to be used that went elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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: Vehicle loan or lease

I was never given the opportunity to buy back the car or reinstate my loan after default. By law I should've been giving a chance to do so. I would like this removed immediately from my credit reports because my rights were violated.
Product: Debt collection

I have disputed this account with Southwest Credit Systems and I have received nothing from them at all. I do not know why they are on my credit, what I supposedly owe them for, or who they are. They have willfully disregarded my dispute letters, they have violated my rights granted under the FCRA and FDCPA by not providing me with any of the required documentation necessary for them to be on my credit, and even though I've begged them to stop calling my cell phone and workplace, they have continued to do so on an autodialed line. This is outrageous. HELP ME!
Product: Credit card or prepaid card

I had a Capital one credit Card years ago. They cut the card off because they said they could not confirm who I was because someone got my information and they sent a card to Florida. That was fine I keep making payments and played it off. I did not heir from them for years and I assumed the account was closed and cut the card up. Then in XXXX XXXX-2017 I get a bill for fees on this account after not even hearing from them for years. I do n't have the card and I contacted them and all I get is the runaround about a password I no longer have. I have gone threw the hole proses twice and they tell me it will be taken care of but the next month I get another bill with more fees. I have had more ID problems as of late.
Product: Debt collection

On XX/XX/year> I left my Apartment at XXXX XXXX XXXX XXXX 
before leaving, I insisted on scheduling a move-out inspection with the property manager, XXXX. After multiple failed attempts to schedule, I was provided with a move-out document stating the charges in case any repairs were necessary. 

On XX/XX/XXXX I received an invoice for XXXX ( After the deposit was deducted ) I noticed that I was charged twice for utilities and about 6x more on paint than what was stated in their document. 
Ive contacted XXXX XXXX XXXX  multiple times via email and physically going to their office with no response. 
I kept following up and never received a response to my emails. 
On XX/XX/XXXX I was contacted by a debt collector ( Genesis ), threatening to ruin my credit and being very manipulating and aggressive thats my problem the numbers are not right I Asked for his mailing address to send documentation and he refused. 

I have requested multiple times for a physical mailing address to send documents and they refuse to provide such an address. I sent an email to the debt collection company requesting the invoices for the repairs ( not the general vineyard invoice ) and their mailing address to send documents regarding my case. 

Never received a response by email and over the phone. they kept talking very aggressive and threat my credit theyre not willing to provide a mailing address or invoices. 

They kept harassing With scary threats and were not willing to get to the bottom of the problem and resolve it. 

I am more than willing to pay what I owe. I've also contacted the property management company ( XXXX ) but they're not willing to have any communication about it