23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Vehicle loan or lease

I had a car loan with XXXX XXXX XXXX out of XXXX Utah. It was the worst loan I've ever had. They have robo callers call incessantly. The calls start 3 days BEFORE a payment is due and come in every 60-90 seconds all day. I did fall behind for medical reasons and worked with them to get caught up. I made every payment agreed on and paid my loan off. THEN they called and threatened to repo. They knew I was in the hospital for XXXX and specifically called and paid the pay off amount so I could relax for XXXX. I paid the amount they asked for even though it was {$650.00} higher than my records. They called while I was in recovery and demanded another {$510.00} and said they would take my XXXX right out of the hospital parking lot if I didn't pay. I paid the loan for 5 years. I paid the inflated payoff they requested. Then I paid their additional payoff demand while coming out of anesthesia. They are combative and abusive and threatening. I've had a CPA review my account and he agrees they overcharged me by both the {$650.00} and {$510.00}. Then they took nearly 60 days and 5 calls to release my title. I received a title they hadn't signed off on and then had to work through that with DMV. This company is a scam. They take extra money. They harass people with constant robo calls whether or not they have a payment due. AND they threatened to take the car back after the loan was paid off... until they got another extra payment. Seriously thieves! Please stop them!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

The Credit Bureaus are reporting false and inaccurate information on my report. I have provided proof from the creditor that I do not have any late payments reporting in the months of XXXX and XXXX of XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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: Money transfer, virtual currency, or money service

I received a phone call from a secure wells fargo phone number ( XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX california, XXXX XXXX XXXX ) and a representative who had all of my bank account information deceived me into believing he was helping me with fraudulent activity on my account. I received text messages from a wells fargo text thread ive had as far back as XXXX, as well as legitimate wells fargo emails. He led to believe someone was hacking into my XXXX  wallet ( from using my XXXX  pay at a location in which this representative knew about ) and was tricked into sharing my XXXX  id info which led to this scammer draining my bank account through my XXXX  wallet and locking me out of my i cloud. i did not willingly verify any transaction. i no longer have access to all of my personal photos, notes information, or contacts as it has all been stolen from me. i dont know how wells fargo could allow such a large transaction to occur without a red flag ( over {$9000.00} ). with that being said my location services are still enabled and i am able to track where this scammer is 24 hours of the day and where he actually lives. i have reported this evidence to law enforcement. I am led to believe this scammer may work for wells fargo as they had access to all of my bank information as well as lives 4 minutes away from this wells fargo location. as a single woman who works very hard for her money this emotionally and financially devastating as everything i have has been taken from me.
Product: Debt collection

Received call on XXXX XXXX, 2017 at XXXX XXXX from XXXX This is a very important message for XXXX XXXX XXXX please make it a priority to return my call as soon as possible so that I may review you some important time sensitive information with you. You can reach me at my toll free number which is XXXX my direct extension is XXXX that 's XXXX at XXXX my direct extension is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX / XX/XX/XXXX USDOE/GLELSI XXXX to XX/XX/XXXX XXXX / XXXX to XX/XX/XXXX XXXX / XXXX Missing I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 XXXXXX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and XXXX Bankruptcy court account number # XXXX, and XXXX XXXX XXXX as XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions
Product: Mortgage

On XX/XX/year>, I received a letter dated XX/XX/year> ( sent on XX/XX/year> ) informing me that my interest rate was being increased to 20 %. The reason given was that I had allegedly not made my mortgage payments. This claim is completely falseI have never missed a mortgage payment, and I am not behind on my payments. 

For over a year, this company has been attempting to change my monthly payment, claiming that I have not been responsible for paying property taxes. However, I have made payment arrangements with XXXX XXXX and XXXX XXXX and have been consistently making payments. Despite this, the lender has unilaterally paid the full amount of the taxes, disregarding my agreements and the payments I have already made. And never inform me about it. this a second year they are doing this action. 

Additionally, they have tried to impose insurance providers on me, even though my home has had an active insurance policy. My originally agreed-upon monthly mortgage payment with the bank I obtained the loan from is {$930.00}, but now this company is arbitrarily demanding {$3100.00}, alleging that I have not paid XXXX. However, per my original loan agreement, XXXX  was not included. 

I have provided all necessary documentation, sent multiple emails, and made weekly phone calls, but I have received no resolution. I can not afford to pay the arbitrary amount they are demanding, nor do I accept the interest rate increase they are imposing. They are violating my rights by forcing me to accept terms that were not originally agreed upon, failing to honor the contract. 

I request an immediate investigation into these unfair practices and a resolution that respects the original terms of my mortgage agreement.
Product: Checking or savings account

Yesterday night on XX/XX/2022. I tried to open my Chase account and login but before I could log in a message popped up on the app saying that chase has locked my account for suspicious activity. They did not let me know anything before closing my account or locking my account. I began to wonder what could have happened because it was perfectly fine all throughout the day yesterday and even before yesterday. I even tried to purchase a hair and I wanted to check to see if the payment went through and it got denied because my account was locked. So this morning I called Chase regarding the issue and they emailed me that morning and also on the phone saying that they are closing my account and that I can not open any future accounts. That they are ending their relationship with me. And I feel like that is not fair to me because they will not give me any detail as to why they're specifically closing my account or for me to at least know any transaction that might have triggered it or if my account was being hacked. I don't think that it was right and I have the right to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report
Product: Money transfer, virtual currency, or money service

XXXX XXXX my mom sent me {$100.00} on cash app, my name that I go by is XXXX XXXX but when I tried to log in to that account it said it was unavailable. Previously I lost my debit card aswell that was attached to that account. So I made up a new cash app which is XXXX XXXX and my funds are not on my account. My phone number is+XXXX I need my money. I contacted cash app 3 days ago and they never emailed me back. I used the same email for both of my cash app so what is the problem? I need my money and cash app is not doing nothing About it. Please help.
Product: Mortgage

Huntington mortgage made improper payments from my escrow account and has failed to return money to my escrow account despite multiple phone calls and complaints.
Product: Debt collection

I have contact the credit bureaus multiple times in reference to the debt. I have asked them to show me proof of how it was verified and what was obtained. They have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is two fold. 
First you ( cfpb ) closed the complaint with Experian not addressing malfunctioning phone system, I tried after receiving your closed inquiring by calling XXXX, it still exists. It will not allow you to input menu options then disconnects. 
Second Experian stated incorrect information. Yes I am not employed, I AM RETIRED! I have income. I don't care if I was turned down for this loan. I am upset at the incorrect information and unable to contact. 
I have since my first complaint used automated systems to call banks, credit card companies, government agencies, and retail stores with no problems. The problem is Experian phone system.
Product: Credit reporting, credit repair services, or other personal consumer reports

There weren't any choices in the CFPB complaint process for what I want to find out more about. I check my credit scores and it seems that Experian always reports a much lower score than the other credit bureaus. I want to know if this is intentional so people will sign up for the extended credit tracking service, Experian XXXX. I won't do that but supposedly if someone uses this Boost service they can have their credit score raised several points. It would be good to check into this. 

Thanks for your consideration.
Product: Debt collection

LVNV FUNDING LLC is violating 15 USC 1681 because I have no knowledge of this creditor and have not given them any permission to report my information.
Product: Credit reporting or other personal consumer reports

I don't want to receive any updates from TransUnion either by letter or email regarding my XXXX XXXX experience. I am requesting a cease of communications through email and letters from the said XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information with Experian for inaccurate information reporting on my credit file and haven't gotten any updates. It's over 30 days and still no response from the company regarding the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$1500.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXXXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX XXXX XXXX and Public Accommodations Individual XX/XX/XXXXXXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX   XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXXXXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX  Balance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX NA XXXX {$4700.00}
Product: Mortgage

I am writing to express my deep concern about the treatment I received regarding my mortgage during the COVID-19 pandemic and its aftermath. As a loyal customer with a perfect payment history for 15 years, I am deeply disappointed by the actions taken by your bank, which caused significant financial and personal hardship for my family. 

Details of Events : Due to the economic impact of COVID-19 on my small business, I opted for a 6-month mortgage payment deferment program offered by Wells Fargo.

The deferment program was extended for another 6 months.

Immediately upon the end of the deferment period, Wells Fargo demanded full payment for the entire 12 months, threatening foreclosure if not paid in full. 

Multiple Attempts at Renegotiation : Despite repeated attempts to discuss alternatives, such as restructuring the loan or adding the deferred payments to the end of the term, Wells Fargo refused any options except immediate full payment. 

The house was paid in full on XX/XX/XXXX and never entered into a foreclosure process. 

Impact on Health and Family : This stressful situation being forced from our home and community of 15 years had significant impacts to my wife 's health, contributing to her hospitalization for XXXX, as documented by her physician. 

Forced Relocation and Financial Losses : To avoid foreclosure, I sold our home at a significant loss, estimated at over {$100000.00}, due to the soft market. We relocated to a small, unfinished cabin we previously owned, effectively restarting our lives in a new location. 

Business Disruption and Credit Damage : The move forced me to restart my small business in a new market, incurring significant financial losses and jeopardizing my livelihood. Additionally, this ordeal has negatively impacted our personal credit, putting us at risk of bankruptcy. 

Legal and Ethical Concerns : I am deeply concerned about the following aspects of Wells Fargo 's handling of our situation : Compliance with XXXX XXXX Guidelines : As per XXXX XXXX rules, deferred payments under the Federal Cares Act should be added to the end of the loan, which was not offered in my case. 

Lack of Communication and Transparency : Despite promises of a dedicated resource reviewing my case and providing a response within 10 days, I have received no communication or updates from Wells Fargo since XX/XX/XXXX. 

Ethical Treatment of Customers : As a loyal customer with a perfect payment history, I believe the aggressive tactics and lack of flexibility employed by Wells Fargo were unfair and caused undue hardship for my family. 

Request for Resolution : I urge Wells Fargo to immediately review my case and offer a fair and just resolution.
Product: Debt collection

Over the past several years I have received phone calls about owing on a debt. In XXXX I received multiple phone calls from XXXX stating they were " XXXX XXXX XXXX XXXX '' and that I owed a debt to XXXX XXXX XXXX XXXX, MD XXXX. I was told that I owed over {$1000.00}, and that I needed to pay or I would be taken to court. This debt is from when I attended school in XXXX. The amount actually owed was {$590.00}, and the creditor was through Turnstile Capital Management , LLC. I made " XXXX XXXX XXXX '' aware that I had received a noticed from XXXX XXXX XXXX whom sent me a letter in XX/XX/XXXX ) and was paying the debt off through them. They told me that " XXXX XXXX XXXX '' owned the account and I was required to pay them off. I told them to stop contacting me. Now XXXX, I have been received phone calls from an unknown number and a voicemail stating the same thing as previous years. It is a recording stating " I received an order in my office today to complete an order of process for several pending maters you're currently being investigated for. I will be verifying you current address and place of employment today. In the meantime it is your responsibility and legal right to contact your plaintiff prior to being served. Their number is XXXX, make reference to case number ******. Failure to comply will result in forfeiture of your right to dispute this matter and the civil complaint will be filled against your in your local county. Consider this your official notification. I have received this voicemail everyday since the start of XXXX. They are also contacting my sister and leaving her the same voicemail. I have not made any contact with this company in XXXX. This debt was paid off to XXXX XXXX  on XXXX.