23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I cant count the number of times that I have reached out to Wells Fargo regarding my business credit card being frozen. The way Wells Fargo has handled this has been horrendous. I was approved for the credit card, began doing the {$5000.00} spend and met about {$3000.00} of that and then out of the blue my card was frozen and can not be used. This was about a month ago. After countless investigations and requests from Wells FArgo to send this to the backend team nothing has come across. 

The issue is Wells Fargo is stating that I need to provide my business through filing a business license. This is a Sole Proprietor business where I am using my first and last name as my business name and my social security number as my tax ID. 

The Kansas laws specifically says on the Kansas Secretary of State website on http : XXXX - Q : Are all companies doing business in Kansas required to file with the Secretary of State? 
A : No. Sole proprietorships do not file with the Secretary of State. 

Also - DBAs, Fictitious Names, Sole Proprietorships, Etc. 

Q : Do you register DBAs ( doing business as ) or fictitious names? 
A : We do not list or register DBAs in the State of Kansas. Kansas does not have statutes requiring or permitting the registration or filing of DBAs or fictitious names. 


This could not be any more clear. I do not and should not file a Sole proprietor business in Kansas and don't require permitting registration or fictious names. 

My account should be restored immediately and Wells Fargo should still allow me time to complete the bonus requirements. I have a large transaction coming up so the timing should be an issue assuming Wells Fargo unsuspends this card immediately. 

This isn't the first time I have been accused of something from Wells Fargo, earlier this year for my checking account it was frozen and I was forced to come in to prove my identity. This took hours out of my day and I was late to my grandchildren 's soccer game. If you guys want a chance at a relationship with me or my family, please do the right thing.
Product: Credit card

I closed my Key Bank account in XXXX. I had a credit card linked with the bank and asked to close that as well which they said they could and did. I told customer service at this time that I have not received a bill for the credit card either by email or by mail and they said it was just being sent out and I would receive it in the next few weeks. I am in the market to buy a house and found out that Key Bank put a nonpayment on my credit report. I called customer service again in XXXX several times, each time being disconnected or being passed around to the wrong department. My initial {$29.00} bill had become {$130.00}. I had still not received a billing statement and did not want to pay all the late fees etc and admit that I was at fault without a bill. After several more calls in XXXX, and being passed around to different bank departments I was still not able to talk with the right people regarding paying my bill and fixing my credit. I contacted the bank in XXXX and was told they would request all the fees dismissed and asked me to call back in a few days. I called back and was told all fees were dropped but they had no authority to fix my credit even though they stated they were at fault. I paid the {$29.00} that I owed and was told that I would have to submit a complaint to the cfpb to have my credit fixed. I am very angry that my credit can be destroyed without my knowledge when I am not at fault. It has cost me much time in phone calls, disconnects etc. I am waiting for it to be fixed so that I can get a mortgage without having to pay a higher interest rate. Key Bank customer service stated that this has been happening to other customers but it seems like they have done nothing to fix the problem of billing and causing hardship to customers.
Product: Mortgage

I have been trying to get my home sold in a short sale. On XXXX XXXX, the bank came back with a counter offer and said it needed to be accepted by XXXX XXXX or the file would be closed out due to an upcoming sale date in XXXX. The buyers accepted the offer within an hour of the phone call from the bank. My attorney called the bank immediately to let them know it was accepted. The person assigned to my file ( XXXX ) was not available, they spoke with the single point of contact ( XXXX ) who was rude but said she would send a message to XXXX letting her know it was being accepted. She said my attorney needed to email or fax the new offer, HUD and proof of funds. My attorney immediately emailed it. My attorney called back later that day and they said it was not uploaded yet, they were advised to try again tomorrow. My attorney called back the following day ( the last day to accept the offer ), once again XXXX was not available, the person at RCS said the documents were still not uploaded. The representative at the bank sent XXXX another message advising her that the buyer had accepted the offer and my attorney emailed the documents again and faxed them as well. My attorney called back the following day, once again XXXX was not available, the person at RCS said the documents were still not uploaded. The bank representative sent XXXX another message advising her that the docs had been sent and the offer accepted. The same thing happened the following day. Today, my attorney called back and they were told that the file had been closed out due to the buyer not accepting the offer. RCS has continuously mismanaged my file and it appears they are intentionally ignoring the fact that the offer was accepted in the time frame required. My consumer rights are being violated by RCS. Please have RCS cancel the auction scheduled for XXXX XXXX as holding the auction would be an extreme show of bad faith by RCS and a violation of my consumer rights.
Product: Mortgage

I 'm at a high stress level from Ocwen mortgage loan. I can not reach them as they are in XXXX and are given a script. I have emailed them 30-50 times in the last year and the return emails are XXXX-XXXX and are signed with what I assume is an XXXX name. The accounting dept. is atrocious, making horrific errors and charging ME, reporting me as late, and NOW, threatening with foreclosure! The entire event is Absurd but I can not get them to correct their error! Please assist me ASAP!!!
Product: Debt collection

Called Company, Disclosed to them I had disputed this account once before when it was with XXXX XXXX XXXX XXXX, first reported in XXXX of XXXX in the amount of {$320.00}, disputed in XXXX of XXXX, XXXX XXXX XXXX XXXX could not provide the required information in order to validate the account, which I had disputed. 

Later XXXX  sold the account to MRS Associates, in the amount of {$320.00}. This is the same debt with the original Debtor of XXXX. I am in the process of buying a home and this is detrimental to the home buying process already in contract to close in XXXX. 

I contacted MRS Associates about this account on XX/XX/XXXX when I contacted them I provided them with my personal details and the last 3 addresses in which I lived at. The lady on the phone said none of the accounts associated with my First and Last Name matched any addresses I lived at in the last 3 years. I instructed her that this means they are reporting an account on my credit that is not valid and it needed to be removed. She stated " there is nothing I can do on this end without an account number ''. I provided this individual with my full SSN to verify any debts. She could not verify that the debt was valid to me and had no evidence. This is the second time I have disputed the same debt with a different debt collector for the same company.
Product: Student loan

My payments are not being credited to my account and haven't been since last year. There are 2 missing payments and now my loans have been sold to someone else, without recording all the money they took from me. I provided proof 4 weeks ago and they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My signature was copied and used on a promissory note by a financial aid officer at a XXXX in 2002. I was informed by an unknown person that this suspect was being investigated ( during this time frame ) by a voice mail left on my answering machine. I was asked to call. I was too sick to return the call at the time and actually forgot about it until my XXXX refund was intercepted by ECMC. I explained the situation to them and they asked for proof. The school has changed names, all of the staff have been replaced and no one can provide the answers that I need. I am left to struggle with a meager XXXX that has also been intercepted by ECMC and currently on XXXX. My utilities are months behind ; because I was expecting my tax refund. The XXXX informed me that ECMC should never have been involved ; because I was under forbearance for other loans and was also a student. It has been a nightmare that has caused my life to take a downward spiral. I need help please.I am also XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts and 
inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have these items removed as they were a result of 
identity theft.
Please find the details of the fraudulent accounts and inquiries below:
Accounts: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a conventional mortgage with Ditech Financial, LLC located in XXXX XXXX, SD. Up until the summer of XXXX, it was a P & I loan only, with no escrows. I always paid my taxes and home owners insurance outside of the mortgage. In XXXX of XXXX, I entered into a Chapter XXXX bankruptcy. In XXXX of XXXX, Ditech arbitrarily raised my mortgage payment from {$1300.00} to {$1600.00} for purposes of collecting funds for escrow purposes. As I always paid my own taxes, I did not actually think this applied or perhaps was an error, and kept sending them my regular {$1300.00} payment. 

In XX/XX/XXXX, I got a letter from Ditech stating I was delinquent on monies owed them, and that I needed to send them just over {$8000.00}. This was about five days before XXXX! They had also turned the case over to National Bankruptcy Services who seemed to act as some third party agent for Ditech. For the most part, they would not share any information about what this matter was really all about. After several calls to them, I was able to learn that it all had to do with the extra money that Ditech was assuming to collect from me back in XX/XX/XXXX. A person there did admit it looked as though an error had been made on Ditech 's part and that they really didn't need any escrow money. 

I also contacted my county tax office and had them send me a copy of my paid bill with a check number showing that I had, in fact, paid the tax bill myself for XXXX. I sent a copy of this notice and a letter via certified mail to Ditech, the bankruptcy services company and a collection agency that had now also become involved. 

This week, I received a packet in the mail from Ditech showing some kind of payment history for me, which concluded with a letter stating I still owed them over {$7000.00}. Once again, I called Ditech and spoke with a girl there, and after an hour long conversation, she admitted that two payments made by Ditech for my taxes in XXXX had been reversed. Her only explanation given to me as to why Ditech still seemed to think I still owed them money was because I had not paid my taxes by the initial due date and that the taxing authority had notified Ditech of this. As a result, they again looked for escrow funds to cover the tax bill, even though I did end up paying it in full with my money. She said there was nothing she could do about the owed balance of {$7000.00}! 

So essentially, the bottom line of this story seems to be that Ditech is looking to collect money from me for tax bills they never paid. Unless, of course, the tax office simply took my money and Ditech 's and kept their mouth shut. Highly unlikely. As it is impossible to get through to anyone at Ditech who can truly understand this dilemma and think outside the box a little, I am protesting their claim for further payment. My position is, and always has been, that all I ever owed this company was my P & I mortgage payment, until I voluntarily added in extra money for tax escrow last summer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX account # : XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX or XXXXXXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score. 

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file. 

These fraudulent accounts be blocked from my credit report. 
I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter. 

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.
Product: Money transfer, virtual currency, or money service

Hey Im writing this in regards of Zelle and its problems of handling issues and resolving them as well. Ive used Zelle many times and reported issues and always never got any resolution. They never even offered to investigate the issue, always told me there wasnt nothing they could due about the missing payments and always pointed me other directions which made it even more impossible to get anything done.
Product: Student loan

FedLoan Servicing will not allow borrowers to specify handling of over-payments, i.e., refuses to apply over-payments to principal, instead insisting on applying them to interest to prevent the borrower from paying off their loan more quickly/efficiently.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the account associated with XXXX XXXX XXXX ), which continues to appear on my credit report despite my repeated disputes. This account is unauthorized, as I am a victim of identity theft, and I have provided ample documentation and reports to substantiate my claim, including an FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), creditors are required to block fraudulent information upon notification of identity theft, which includes this account that does not belong to me. Additionally, New Jersey law ( N.J. Stat. 56:11-46 ) protects consumers against identity theft and mandates reasonable actions by creditors to avoid further harm to victims. XXXX XXXXXXXX XXXX XXXX and TransUnion 's failure to address this matter constitutes a disregard for my rights under both federal and state laws. Please consider this letter my final notice to resolve this matter by removing the disputed account entirely. If this account is not promptly removed, I am prepared to escalate this issue with additional regulatory authorities to ensure compliance.
Product: Credit reporting or other personal consumer reports

An XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PII ) personal and company information from my XXXX XXXX after being told his services were no longer needed due to deceitfulness, dishonesty and poor attitude on multiple resulting from multiple scenarios. XXXX stated the words that I was not going to eat ( gain financial wealth of positives ) while in his face. XXXX also stated that he has all of my information etc. Multiple trackings of notes and complaints have also been kept for account reconciliations and the security of my wellbeing. Contacted the authorities of XXXX Police Department and XXXX XXXX Ga and placed a police report. An arrest was made earlier this year 2023 in XXXX XXXX Ga for XXXX XXXX XXXX from a high speed chase. Some information was recovered however, my personal and company 's information as well the info of some of my clients.
Product: Mortgage

On XX/XX/XXXX I received a notice from Flagstar Bank dated XX/XX/XXXX indicating that they did not have proof of my homeowners insurance and that they would force place insurance related to my mortgage. 
Flagstar had recently ( XX/XX/XXXX ) bought the servicing of my mortgage from XXXX. I have maintained the contractually required homeowners insurance since the origination of this mortgage through XXXX. The servicing company 's shoddy recordkeeping and lack of adequate controls should not shift any burden to me to provide proof of insurance which is both currently in place and has been continuously in place since origination. 
I reject any accusation that insurance is not in place and further note that both XXXX and Flagstar have taken escrow payments as part of my monthly payment which are intended for both property taxes and homeowner insurance. They are responsible for paying both of these items. If they have not been doing so, they are effectively stealing from me by not using the escrow payments for the intended insurance and property tax purposes.
Product: Payday loan, title loan, or personal loan

Took out a loan with XXXX XXXX on or about XXXX in the amount owed of {$1000.00}. Was unable to repay the loan and it was turned over to collection. We finally were able to pay a compromised amount of $ XXXX % of the amount owed. At the same time XXXX XXXX turned our loan over to other collection agencies. A second agency attached fees and demanded {$1800.00}. We only had 1 loan and as such only paid from the original amount. We paid the debt on XX/XX/XXXX and received from XXXX XXXX a letter stating the matter was closed and it is dated XX/XX/XXXX. We are now being harassed by Prime Recovery LLCXXXX XXXX. They are also harassing my XXXX XXXX XXXX mother. On XX/XX/XXXX I send a letter and documentation stating to " Cease and Desist '' with proof of our payment. The letter and documentation was received by Prime Recovery LLC 's office on XX/XX/XXXX at XXXX. I am now keeping records of all calls to our home, emails, cell, my husbands work cell and to my mother. Just today they contacted my mother 4 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Deletion letter, XXXX # XXXX of this accounts settled payment, to TransUnion on XX/XX/2020. TransUnion file # XXXX has not removed this Collection from my credit report at all. Plus the Derogatory status of this account
Product: Student loan

I am applying for PSLF. I submitted my first employment certification form in mid 2018. loan count for PSLF was lower than expected. I spoke several time with an ombudsman to have my loans recounted. at least 4 additional payments were identified during our conversation alone. I recently recertified with my employer, and the updated loan count is still not correct. Also, several loans that I was previously told would qualify for PSLF did not qualify.
Product: Credit card

On XX/XX/year>, my credit card statement showed a charge for {$4200.00} from XXXX XXXX. I contacted the Synchrony Bank and disputed the charge. I also called XXXX XXXX. The merchant agreed that he did not provide service because XXXX would not approve the transaction. However, eventually XXXX did approve the transition but the merchant did not provide service and so would not accept the funds transfer from XXXX because he did not want to pay a fee as he did not provide any service. 

The merchant told me I had to get a refund from XXXX. I contacted XXXX who said they don't work directly with consumers and that my credit card bank had to handle the dispute. 

According to the merchant, his bank ( XXXX ) refunded his XXXX fee. I have been dealing with the call center for XXXX  months and can not get this resolved.