23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PMAB continues to harass and call me after sending them a cease and desist letter by certified mail XXXX-2017 which is attached with certified receipt. I do not owe this company anything or anyone else. I have told the to stop contacting me as I will not ever be offering payment for a bill that is not mine. The certified receipt with tracking numbers is attached to confirm PMAB received the the cease and desist but they continue to ignore the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT AND SAW THAT SOMEONE HAS APPIED FOR A CAR LOAN WITH MY SOCIAL SECURITY NUMBER. I CALL ALL OF THE CREDITORS LISTED AND NO ONE HAVE AN ACCOUNT OR MY SIGNATURE AND TOLD MY TO DISPUTE IT WITH CREDIT BUREAUS
Product: Mortgage

Wells Fargo failed to address my concerns. As a matter of a letter that was just received at the time of this complaint, XX/XX/XXXX, this matter is still pending review until least XX/XX/XXXX. The mortgage company ( Wells Fargo Home Mortgage ) did not provide a breakdown of the amount of real estate payments were included in the funds diverted to their attorney or other unauthorized accounts. Therefore, the bank will be required to provide that information for the records of the consumer. Apparently, those XXXX  individuals living on my property have the impression that they can have me arrested for property that I paid for. This XXXX XXXX   woman is not willing to sit in jail for any XXXX individual or anyone for that fact. 

Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXXpresent and as early as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong people.
Product: Debt collection

A collection was reported to my credit report on XXXX for the ( Amount ) of {$930.00} that Im not responsible for.
Product: Mortgage

By letter dated XX/XX/2023, I notified the mortgage company that the Escrow Account Analysis, dated XX/XX/2023 was incorrect and sent them a copy of the XXXX XXXX, Ga. Assessment Notice, dated XX/XX/2023. The taxes decreased by {$650.00}. Which should have reduced the escrow amount payment. Instead of decreasing the escrow payment, they sent me a new Analysis increasing the escrow payment by {$21.00} per month. I sent follow-up letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023. All I have received from them are acknowledgment letters of each of my letters. It would seem that four months is sufficient time to correct an error. I have received no correction to the escrow account and am paying the wrong amount each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times inquires on transunion, XXXX and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
Product: Credit reporting or other personal consumer reports

I am writing to contest the inclusion of this bankruptcy in my credit report. The filing and reporting dates, along with the closing dates, are misaligned. This is troubling as I have a court letter explicitly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party adds absurdity to this situation.
Product: Debt collection

Each day they call over 5 times a day, today XXXX XXXX with Synchrony Bank has repeatedly hammered my phone. I have phone records of each attempt made. Not only have they harassed they have went above and beyond the fair debt collection practice.
Product: Mortgage

In XXXX 2015, I received notice my loan was transferred to yet another loanServicer. On XX/XX/2015 I contacted Loancare and asked if I was on auto pay, they said no, so I paid via credit card for extra XXXX for XXXX loan payment. Then onXXXX/XXXX, they took via auto yet another loan payment. thus followed many calls, emails, ticket # 's, demand for bank statement to prove money went through. Itended with me agreeing and being promised XXXX payment would go towardsXX/XX/XXXX loan payment, and it said so via phone auto report. So today I look atmy bank account, and they took yet another loan payment out, I called and gotmore run around, and they want bank statements. I told them if they had notreceived the funds, they would see an NSF! They put me in the hole! I have nomoney left after that debacle in XXXX, my car needs transmission work, Ineed my car to get to work, to pay my bills, this servicer also changed theirweb site so there is no option to opt out of auto pay. So I contacted my bankand put a block on them and filed many complaints with them. According to theauto account report, I am paid through to XXXX, so yes, they have theadditional funds, and they need to refund me this time, I can not wait. That wasmy whole check.
Product: Debt collection

The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) has attempted to collect a debt from me that isn't mine. I have no knowledge of this debt. XXXX XXXX alleges that their office sent a collections letter XX/XX/XXXX informing me of the debt being placed with their office. I have not received any communication from this company prior to me contacting them with an affidavit of denial on XX/XX/XXXX explaining that i have no knowledge of the account and i have no contractual agreement with XXXX XXXX. I have also filed a complaint with the XXXX XXXX XXXX explaining the same thing and requesting that XXXX XXXX remove the account and stop reporting to the appropriate credit reporting agencies. XXXX XXXX has refused to cease collection attempts furthermore they have refuse to stop reporting to the credit reporting agencies and remove the accounts from my credit file. They have not shown me any documentation that i owe a debt to them or the original creditor that they mentioned in their response on XX/XX/XXXX. According to 15 U.S. Code 1692g they must validate the debt and show physical documentation. As stated before i have no knowledge of this account and i have been unable to obtain credit due to this situation. This is a violation of my rights.
Product: Debt collection

I HAVE TRIED NUMEOUS TIMES TO RECEIVE MY SETTLEMENT PAID LETER FRO LVNV RESURCHANTS CAPITAL XXXX WHICH HIRED AN ATTORNEY XXXX XXXX XXXX TO COLLECT THE DEBT. I SETTLED THE ACCOUNT WITH THE ATTORNEY. THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORTD AND ALSO REMOVED FROM ANY JUDGEMENTS. HOWEVER RESURGENTS CAPITOL REFUSES TO ISSUE ME MY SETTLED IN FULL LETTER 3 TIMES WHEN I CALLED THEM IN XXXX EVEN THOUGH THEIR OWN ATTORNEY HAS RELEASE OF ANY OBLIGATION From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX Subject : XXXX : XXXX matter # XXXX I JUST CONTACTES RESURGENTS CAPITOL AND THEY STILL REFUSE TO ISSUE MTE A SIF LETTER AND REPORT THIS TO MY CREDIT REPORTING AGENCIES BECAUSE THEY STATE THAT YOUR FIRM STILL DID NOT RELEASE MY INFORMATION TO THEM WHICH INTIL THEY DO THEY WILL NOT ISSUE ME ANYTHING AND THEY REFUSE TO CONTACT YOUR FIRM TO VERIFY THIS INFORMATION. I HAVE PAID AND DID MY JOB TO SETTLE THIS I SHOULD NOT BE GOING THRU ALL THIS AGGRAVATION FOR SOMETHING I TOOK CARE OF. I SENT A COMPALINT TO CFPB AND THE FTC BECAUSE NOTHING ID BEINF DONE TO RESOLVE THIS MATTER WHICH I HAVE DID MY PART TO FOLLOW.
Product: Checking or savings account

While reviewing M & T Bank website for checking account options, I observed an offer for a sign-up bonus upon meeting certain conditions. I completed signup ( XX/XX/2024 ), including using the advertised promotion code, and met all required conditions as laid out in the clearly defined terms and conditions. After weeks passing without receiving the signup bonus, I contacted M & T bank to determine why. I was told that the promotion was intended for a specific region, despite there being XXXX  mention of that during signup or on the original promotion page. M & T has since added a zip code eligibility check, but this was not present at the time of sign up ( confirmed via archived website screenshot, attached, which did not contain a zip code check, and no mention of the offer being regional ) It is clear that M & T added the zip code check after the fact, as a clear case of bait and switch ( providing a promotional offer and then later saying it is zip-code specific after the fact ). 

Requesting the bonus ( {$500.00} ) be added to account as promised by the terms and conditions.
Product: Money transfer, virtual currency, or money service

In the year 2020, I deposited and opened up a bank account with Navy Federal Credit Union on XXXX XXXX in XXXX XXXX, CA XXXX. After only a few months, I reviewed my own documentation of banking accounts noticed that there was transfers and releases that were made to and from the checking savings and market account. They all of a sudden denied all communication and froze all the access with my accounts and money. They did not allow me to access anything with my accounts or communications. They put a bank check aside for me for {$110000.00} after closing and holding the rest of my money. There was an additional {$120000.00} that was still on my account and its proven that there is a check released but I never received the check. Im tired of going through this and I need someones assistance. All I need to know is who that check went to. When I went into the branch the manager was there, one of them and the day after that when I went to check again, she quit on the spot and as far as I know left outside of the US. The other XXXX XXXX XXXX, I was informed to switch to branches, so they froze my account and they put all this money extra money into the investment account. Theres a substantial amount of withdrawals, transfers, and proceedings with my money that I did not allow authorize and I have proof of this. Ive been working on it for years and I cant get no assistance. Ive been illegally frauded by the individuals of this bank And if they are not cited, the bank should be held responsible. There is proof that I got the {$110000.00} but theres still a {$120000.00} that needs to be found because I did not authorize that. Why would I give these individuals that much money of mine when I dont even know them, and they criminalizing me and victimize me in my life That still needs urgent notice and prompt awareness and proceedings illegally fraudulently Ive been scammed XXXX XXXX, taking vulnerability from me and theres so much at stake here and I still cant I get help. I keep submitting these references to you guys because its going nowhere please help
Product: Mortgage

I am writing today ( XX/XX/XXXX ) to bring to the attention of the CFPB aggressive practices by XXXX XXXX  XXXX. 

Freedom Mortgage is the current holder of my mortgage ( Loan Number : XXXX ) ; the company reported in XX/XX/XXXX to the credit bureaus that I did not make payments on time. The report filed with the credit bureaus claims I had a balance of $ 1,000+ outstanding and 30 days past due. I have attached statements from my bank ( XXXX XXXX XXXX ) which show my most recent 3 payments sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX indicating no payment was ever late. The payments I made were in the amount of {$960.00} ( the same amount EVERY month with Freedom Mortgage ). I recently became aware that my payment has changed to {$990.00}. However, I have been living in XXXX dealing with family matters related to the deaths of my father ( XX/XX/XXXX ) and XXXX year old brother ( XX/XX/XXXX ) over the past several months and did not receive the notice of increased payment ( death certificates to be supplied upon request ). I learned about the underpaid amount in early XXXX and called immediately to pay down the small, accrued balance of approximately {$60.00} ( confirmation number : XXXX ). There is currently no outstanding, past due balance on my account and no payment has been missed. My credit score has gone from approximately XXXX to XXXX overnight as a result of this matter. 

I spoke with Freedom Mortgage 's representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she referred me to the Customer Care department. The Customer Care department supplied a letter on XX/XX/XXXX stating they will not retract the report from the credit bureaus. There was never an attempted phone call to alert me to the changed amount nor a grace period for an obvious extenuating circumstance for an otherwise timely and reliable customer. I would like this issue handled promptly and proper notifications sent to the credit bureaus outlining the situation to reverse the impact on my credit report. It is highly aggressive to treat a customer in this manner after paying payments ON TIME EVERY MONTH. The accrued balance was paid IMMEDIATELY upon discovery. There was NO telephonic communication with me during XX/XX/XXXX to inform me of the increased amount so I continued paying the historic balance. 

Please do not hesitate to contact me directly at XXXX. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted, again by phone, credit collection services/cccs collections asking them to remove the collection they posted XX/XX/XXXX to the credit reporting agencies. Told them I had been promised the debt would be removed and would be given a letter to solidify the payment made XX/XX/XXXX. After, the rep said there was nothing they could do and that it was the law to report. Then even after mentioning fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802 in brief, I was still lied to about the removal of the account. 
They have differing addresses and names... 
Credit collection service XXXX XXXX XXXX XXXX, MA XXXX ; CCS COLLECTIONS XXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX The second company, XXXX XXXX, I called in on XX/XX/XXXX about removing the late payments, ( which differ between the three credit reporting agencies ), that were reported for the year of XXXX. After explaining that I was told the late payments would be removed because a new contract was being made, ( because the old contract had expired, but notice wasn't given by any communication, yet I was still making payments until something odd online triggered me to call in ), I was informed that it was the law that they had to report it. And after speaking with a supervisor, explaining in brief fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802, that I was trying to resolve the issue by phone... I was meet with an " I'm sorry, there's nothing we can do ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at approximately XXXX XXXX, I accompanied a friend and XXXX military veteran to look at cars at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. We were assisted by XXXX XXXX and test-drove two automobiles. We asked XXXX XXXX if she could guarantee that any inquiry would not exceed a two-point loss to our credit and that no other companies would have our information shared and/or allowed to inquire about our credit and she stated that only XXXX would have permission to inquire and they would only review the information authorized by one inquiry from XXXX we agreed to XXXX The unauthorized inquiries were from XXXX XXXX XXXX, XX/XX/2022 XXXXL XXXX, XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash all ( Block Inc. ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act. ( CFPA ) Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive, As they didnt not comply with error resolution requirements under the electronic fund transfer act. ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations
Product: Consumer Loan

previous complaint XXXXXXXXplease see supporting documents proving that my lease was not only paid on time, but early every month. the NMAC " XXXX '' system failed.
Product: Vehicle loan or lease

Wells Fargo Dealer SVCS did not address the disclosure violations and others in my complaint that was made against the organization from my previous notice XX/XX/2023. The contractual agreement that was signed by me was done so under good faith agreement, but was later discovered that there was languages in the agreement that was not disclosed. These non disclosures is very very important to the numbers or the dollars amount owe by me to the Wells Fargo Dealer SVCS. These violation also comes with serious civil liabilities and it must be taken seriously by Wells Fargo Dealer SVCS, that they seems to be taken lightly. This notice is to again point out to Wells Fargo the violations that they are ignoring and to let them no that a civil claim can and if continued will be taken out against the organization.
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by VANCE AND HUFFMAN LLC . I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account. 

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against VANCE and HUFFMAN LLC for their failure to comply with federal laws and their disregard for consumer rights. 

Enclosed are copies of relevant correspondence and documentation supporting my claims. Please review this information thoroughly as part of your investigation. 

Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card

Unexpected interest rates. I over paid an amount I owed and got charged high interests rate when a day late. I feel like Ive been robbed from capital one and definitely owed amount I over paid. Hidden fees
Product: Money transfer, virtual currency, or money service

No agent on stand by lots of trouble with transactions
Product: Checking or savings account

I received a call from a Capital One representative asking if I knew a certain person. I said no. He said no worries, it looks like your account has been involved in a fraud. Also stated that I would get my money back. He said go to the XXXX app, which I had no clue to what that app was even about. He then proceeded to instruct me on what to do on that app. He told me the amounts to put and in the memo part to put refund. So I did thinking this man was from Capital One. I looked at my checking account to see if the money had been refunded and he said it took up to XXXX hrs. This was on XX/XX/2022 which was a Saturday, and then again on XX/XX/2022 which was the Sunday. So on Monday, I went to the branch office and talked to XXXX XXXX and explained the situation. She stated that this was fraud, and so did the person in the fraud department, all assuring me not to worry that I would get my money back. The bank sent me the transactions that had taken place. There were XXXX transactions to a XXXX XXXX to a XXXX Banking account. XXXX transactions at {$900.00} dollars, and XXXX transactions at {$700.00} dollars, totaling an amount of {$5000.00} dollars. The bank said they would investigate this, after investigated the bank notified me and it stated that they looked into this and our research shows the payment was processed according to my payment instructions, and no fraud had taken place. I am XXXX XXXX XXXX, and this was a lot of money to have been stolen from my account, not knowing that the man calling was not even associated with my bank. I feel like Capital One turned their back on me by not looking into this matter more. If Capital One would have checked into my spending habits, they would have seen that I NEVER spend this kind of money. I have never used XXXX never heard of XXXX, but the bank never looked into this either. What happened to FDIC, and me being protected by this type of thing. Seems to me that the criminal had more rights than I did. I am hoping that your company can help me get this fraud resolved. Thank you.