23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX c/o mcarthy burgess & wolff, collection agency RE : Your request dated XX/XX/XXXX rcvd XXXX regarding XXXX Billing XXXX  service started XX/XX/XXXX Acct # XXXX No contract was offered or required. Prior to authorizing service, I specifically asked the local installer agent for XXXX if I was obligated for a specific term of service. I was told that I was NOT. 
Service was borderline acceptable and when a viable alternative presented itself, I opted for a discontinuance of XXXX, now called XXXX, service on XX/XX/XXXX I phoned XXXX on XX/XX/XXXX to terminate. I spoke with an agent named XXXX, who told me that the contract I signed will owe ~ {$150.00} by XXXX XXXX this would be the balance of contract due at termination However : 1. I did not sign any ( ANY ) contract I have no copy. I requested that XXXX send me a copy indicating that I had agreed to the cancellation charge. 
2. XXXX said he would send copy of the contract in 24 hours to my email address : XXXX XXXX. He supplied a reference case # XXXX 4. I had received nothing received by XX/XX/XXXX so I called XXXX again. 
I spoke with a female agent, whose name I did not record, who informed me that XXXX had sent a copy of a contract (? ) to me at XXXX -- the WRONG ADDRESS! ) after I had corrected him 3 times on the phone. It is XXXX That is XXXX  as in XXXX. 
5. The new agent promised that a replacement copy of the missing contract would be sent pursuant to our conversation ( on XX/XX/XXXX ). Nothing has been received as of this date [ XXXX XXXX ]. 
6. A lost charge card in XXXX required a replacement. Since the number was different, the automatic XXXX payment to XXXX of {$79.00} failed. I was not notified at that time, but the XXXX bill was for {$150.00} : {$79.00} XXXX + {$79.00} XXXX. This payment was made with the replacement card, and payment was posted to my account, indicating XXXX had received the FULL XXXX and XXXX payments, and my account was up-to-date. 
7. Apparently, not having updated my account as cancelled, XXXX charged my credit card {$89.00} in XXXX. Since my account was cancelled as of XX/XX/XXXX, and I had received NO confirmation of any contractual obligations to continue payments past the termination date, XX/XX/XXXX, I disputed the charge with my credit card company. 
8. XXXX subsequently issued a refund of {$89.00} on XXXX ( ref # XXXX ) 9. I now am in receipt of a letter dated XXXX XXXX from the collection agency ( above ) indicating that XXXX is now claiming I owe {$89.00}. There is no explanation for this fraudulent charge. 
Since over the period of XXXX XXXX to XXXX XXXX, there was NO confirmation from XXXX that ANY further payments were due, and since NO evidence of any contractual obligation for payments past that date of cancellation were offered after repeatedly asking for same, this collection letter is harassment. 

Complaint has been filed with FTC, CFPB and FCC. 
Regards, /s/
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I went through a nasty breakup with my ex. Later found out that my ex stole my identity and changed my address information and long story short some of my accounts ended up going delinquent because they bills were being sent to an address that I was not located at. When I found out about it I was able to rectify the situation. Citizens Bank got me set up on a repayment plan for my student loans but then ended up charging off my accounts in XXXX. Since then I have been paying faithfully on my accounts, triple if not more than the required monthly amount. I paid one account off in full and am still paying one account monthly. The account that I am still paying on is causing issues. Back in XXXX when they charged off the account they entered a " {$0.00} '' balance for what was owed. Never thought anything of it although not my problem since I'm not Citizens bank and I don't know what they are required to report. Just recently I went and checked my credit and noticed that my credit took a XXXX point hit because 7 years later, now XXXX they decided to go in and magically update their record and update the balance of my account. Coincidence that the account is going to be falling off my credit in XX/XX/XXXX? I called them XX/XX/XXXX and when I called them the woman on the phone was very rude and she told me that they are allowed to go into my account anytime and update the balance whenever they want. If that was the case, it wouldn't take them 7 years to find out that they screwed up putting in a {$0.00} balance. I asked why in XXXX a {$0.00} was put in and the woman said it was a coding error. I stated that was unacceptable and that someone needed to fix this. She said that there was nothing they could do and it is what it is. No, that's unacceptable. I've busted my butt to rebuild what my ex did to me for the past 7 years and got my credit up to where it is today and Citizens Bank is now XXXX with me and this needs to be fixed and my credit needs to get back to where it is. I'm in the process of buying a house and this will royally XXXX my options of getting my house if they don't fix their error. I have disputed the account with the credit bureau and they have since stated that they are deleting the account from my credit but I want the creditor to fix their mistake and take responsibility for an error they made 7 years ago. They can't act all nonchalant about it and put the blame on me. I've been paying faithfully for years and they get no responsibility. I'm tired of banks taking advantage of people like this.
Product: Debt collection

During a divorce my ex wife totaled her car which was financed with XXXX XXXX the car insurance was with XXXX XXXX also, the divorce was in XXXX and XXXX in XXXX autovest sued and garnished my check stating they owned the debt in XXXX XXXX XXXX contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. XXXX separate companies trying to get money for the same debt, who owns the debt and is that not fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.

Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current.

If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information.

To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus
Product: Money transfers

Subscription service was cancelled with merchant prior to subscription date. Merchant went ahead and put through the charge anyway. PayPal was notified and a dispute was filed with PayPal. Even thought PayPal has a Purchase Protection policy which covers {$0.00} Liability for Eligible Unauthorized Transactions. However PayPal refuses to acknowledge my inquires regarding this matter.
Product: Checking or savings account

I got a letter from Wells Fargo today XX/XX/2021, dated XX/XX/2021 that they are closing my account on the XX/XX/2021. I have called the bank and visited my local branch, they would not tell met the reason for the closure. I have never had a late payment or been in bad standing. I have absolutely no idea why they closed my account.
Product: Checking or savings account

I contacted this bank on behalf of my mother with her consent on XX/XX/2021 @ XXXX this was the conversation My is a my mother is customer of Regions Bank. We contacted you XX/XX/2021 @ XXXX when I discovered what I believe is scam. In less than 2 days she has depleted all retirement/checking account income and with no one questioning her about the transaction which would be abnormal for her account activity. {$9000.00} - XXXX gone withdrawn less than 48 hrs. Allegedly calling from XXXX XXXX saying they are supervisor of the DEA a federal agent would arrest her take everything she owned. Threats made about her kids if she said anything her kids being taken to jail if she give didn't them money. 
I'm so confused. We called the bank trying to explain but the women wasn't helpful. I've contacted the police left emails calls more calls contacted the stores where the crime took place. Contacted an Attorney. Less than 48 hours these criminals continue to contacted and harassed my mother after taken everything. Wow. Thanks Regions, purchased 19 gifts cards each worth {$500.00} at XXXX 's. I tried the the same action today XX/XX/2021 and needed ID and to sign the gift card book to complete the purchase ( store policy ). I guess only on XX/XX/2021 and XX/XX/2021 you don't need ID. It takes a village to protect the criminals. They neither place offered no support nor compassion.
Product: Debt collection

I received a letter from Wakefield and Associates - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX - claiming that I owed XXXX XXXX {$150.00}. I wrote to them and explained that I had contested this with the doctor, and instead of responding to me, the doctor sent the file to collections. I explained that I had called this doctor for a XXXX consultation, and asked if the practice was a XXXX provider. I was told yes, so we went to the consultation. During the consultation, we were advised that the location that they used to perform XXXX was NOT a XXXX provider, and that our insurance would not cover it. 

Since we made the consultation appointment based on mis-information, I do not feel we owe for the consultation. 

Finally, even though I asked Wakefield and Associates in writing that I did not want them to contact me again, I received another letter from them in the mail today stating that I had asked for additional info. I did not ask for anything - I had only asked them to stop contacting me. They have not honored my request.
Product: Credit card

I signed up for a CapitalOne card in XXXX, 2014, but somehow CapitalOne recorded my social security number incorrectly. Because ones social security number is required as confirmation to access your account to pay bills online and to speak with customer service representatives, I was unable to access my account to make payments until finding the time to complete a 2-hour phone call in XXXX, 2014 to correct my information. During this period, I missed 3 payments because I could n't access my account. I believed that these late payments should be removed because I was unable to access my account due to a mistake by the credit card company. 

I contacted CapitalOne to remove these late payments from the credit rating agencies ' records, which they said they would do. However, upon checking a month later, I found out that CapitalOne had not disputed the late payments, but instead had confirmed them to the rating agencies and preemptively filed a dispute correction. When I asked for them to send me a copy of the
Product: Mortgage

I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply to me.
Product: Credit reporting or other personal consumer reports

Disputed credit card balance with Experian and they did the investigation but the information is still not correct. My balance with XXXX  XXXX as {$490.00}.
Product: Credit reporting or other personal consumer reports

I found out I have charges from XXXX but I have no idea where it came from
Product: Debt collection

XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. 

we eventually paid it but ever so often it pops up that we are delinquent.
Product: Vehicle loan or lease

A late payment is regularly reported even though its in accurate. Capital One claims to have issues with their system ever since a security update. Also claiming this is happening to multiple people. The payments used to debit from my account in 1-3 days and it has now turned into 15-20 days. Can someone get them on track because they shouldnt be allowed to regularly post inaccurate information to peoples credit reports.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

there are about XXXX late payment which pursuant to the protection granted to me by the fair debt collection practices, and the case law Gearing v. Check brokerage corp, and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX 1990 ) this amounts to {$1000.00} per violation, mot including the misrepresentation of the debt and the " creditor '' which would amount to {$32000.00} in violations alone just with missed payments. which would be valid in any district court to be disputed your assumed lawyers. 
further more since this is not the first time that I am disputing this debt, and the creditor has continued to report the credit information on monthly basis attempting to continue doing harm to my credit file with missed payments. for defamation and willful injury the following case laws apply. US court of appeals No. XXXX. XXXX XXXX XXXX XXXX and the fines are defined to be as the extent of the damages incurred by the wronged party as deemed by the courts. this would be another {$32000.00} fine simply because I have disputed this account so many times over and the new found debt collectors have willful denied my right to dispute the debt that is no longer mine. lastly, pursuant to 15 USC 1692c ( c ) - cease and desist. I am legal refusing to pay this debt. since you lawfully refused to validate this debt. any more communication will be pursued in district court.
Product: Debt collection

Portfolio recovery contacts me a minimum of 6 times a day from various numbers but this number at least 3 times a week. Ive asked them to send verification of debt Ive never received anything. Ive asked them to stop calling but it continues. Attempts to block the number they call from spoofed numbers. At this point it is harassment.
Product: Mortgage

I called Caliber Home Loans because it was time for PMI Removal. I spoke with a representative that told me how to fill the form out for an exterior bpo and explained that I have to pay {$100.00} and I do not need to be present and I can be at work. I paid the money of {$100.00} which was cashed on XX/XX/2022. I called back 30days later and another representative told me that it will take 45 days for the process to complete and to be patient. I waited 45 days and sent an email to Caliber home loans in their secured portal. When I explained this and told them that I am coming to them for the third time in good faith and I would like the service that I paid for to be completed. After I sent them this message today, XX/XX/2022, they scrubbed the system and the emails can not be seen. You can see the subject line, but they made everything of our correspondence not accessible.
Product: Credit card

Capital one has harassed me i told them many times that i had fraud charges on my account. the account was closed back in 2014. they were to remove the fraud charges but never did. after many many calls we got nowhere. they then tried to sue me for this debt for XXXX i was served with legal paper. this company was a joke they have made my life a nightmare. after all this i refused to pay a debt that was not mine but my wife offered to pay it and i refuse. She said she wanted to just be done with this so she called capital one many times they assured her once the debt was paid it would be a XXXX balance. she settled the debt for XXXX i believe, they promised her due to the fraud charges they would put the debt to XXXX dollars. and after everything they put us through you think they would stick to their word. They did not. this debt is still on my credit report and its still showing that i owe them when in fact i dont.
Product: Bank account or service

Re checking acct XXXX XXXX XXXX # XXXX About 15 years ago I walked into XXXX XXXX in XXXX XXXX, FL, now Wells Fargo ( WF ), with my very old parents. We set up an account with me as power of attorney. I was not informed that at the death of my parents I would lose control of the account. The bank officer did not inform me of this and thus negligent. So when my parents died I lost control of the money. When I explained this to a local WF bank officer she winced. Since the account is worth {$2500.00} it does not pay me to spend {$2500.00} in legal fees to probate the estate. I want WF to own the mistake of their employee. They have a legal staff so it would not be expensive for them to represent me by filing for probate so I could get the money after probate. 

Six months ago, the WF officer in XXXX Fl, told me WF would escheet the money to the State of FL. Thus I could get the {$2500.00} without legal expense. This never happened. 

In a phone call to WF today told me WF would not deal with the issue.
Product: Credit reporting or other personal consumer reports

1 ) XXXX has improperly allocated too much of the payments made to interest which is not mathematically possible, constituting a material breach. There are instances where the entire payment was applied to interest. For example, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the entire payment of {$600.00} went toward interest, with {$0.00} applied to the principal. Another example is XX/XX/XXXX. The expected interest accrual for a 30-day period is {$120.00}, but the payment history shows that {$290.00} was applied to interest. 
2 ) XXXX charged interest during the time in which interest accrual was paused during the pandemic, constituting a material breach. 
3 ) XXXX has extended the term of the note beyond what is statutorily permitted by law. Because both of the loans are Direct Consolidation Loans, and the combined balance is over {$60000.00} ( approx. {$82000.00} in total ), the maximum repayment term allowed under the law is 30 years. XXXX reports that repayment began on XX/XX/XXXX. Time Already Paid : 12 years and 4 months. XXXX 's reported term : Remaining Term : 22 years and 2 months. The total repayment term would be approximately 34 years and 6 months, which exceeds the maximum statutory term of 30 years. Failure to properly service these loans constitutes a material breach. 
4 ) this breach is further underscored by the fact that XXXX admits that I have made approximately $ XXXX in payments, but they only applied $ XXXX to principal.
Product: Consumer Loan

Santander consumer has been ripping me off!!!! I have been sending payments for months and my loan is still at the same amount it was when I first got the loan. And I 'm getting extra charges for literally nothing
Product: Checking or savings account

My ATM card is not authorized for International usage despite Wells Fargo promising that my ATM card can be used internationally as part of the checking account package that I pay for. I have called Wells Fargo to address this problem multiple times. I have been given case numbers and promised return calls. NO RETURN CALLS HAVE OCCURRED AND NO ONE HAS ADDRESSED MY COMPLAINT. Wells Fargo happily extracts fees, interest and charges from my account and fails to provide the services it is contractually obligated to provide. There is no recourse since I have spent hours trying to get the problem fixed and nothing ever changes.
Product: Payday loan, title loan, personal loan, or advance loan

I would like to report an unwanted loan taken out of my name to all three credit bureau 's. there was a loan from the name of Patientfi that wasn't me.i never opened this account and would like to make a complaint because my credit dropped but I never authorized this loan nor I even opened the account. I tried calling the loan number but that's a scam number so it doesn't make sense. the amount is for XXXX and original balance is for XXXX with account number XXXX date open was XXXX XXXX and its a installment loan
Product: Credit card or prepaid card

XX/XX/2019 - I chatted with Amex Customer Service Rep with regards to changing my card account to a no fee card. The customer service rep advised to close the card instead and assured me multiple times that my rewards points will not be impacted because I have another card linked to the same rewards account. 

Trusting the company 's representative, I proceeded with closing my account. 

XX/XX/2019 - Amex went ahead and revoked my points that I had earned on my account. I called in multiple times over the next few weeks offering to reinstate my card and get my points back but the company has not even responded to my query even though the reps always tell me that I will receive a call back in 2-4 weeks.
Product: Credit reporting or other personal consumer reports

CARMAX AUTO FINANCE BREACH OF PRIVACY ACCOUNT 4003 ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CARMAX has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CARMAX did not clearly and conspicuously provide the disclosure forms.