23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/21 I requested XXXX XXXX  to terminate my service immediately because XXXX was not providing the service I was paying for. I paid them {$29.00} for service used to XX/XX/21. They billed me {$100.00} later for the remaining portion of the cycle I did not use. XXXX has the ability to turn on, turn off, problem solve etc immediately from their office. Other utility companies ( telephone, electric, gas, water etc ) only bill for service used in a cycle. I reached out to XXXX and could not resolve the issue. 
The XXXX XXXX XXXXl has initiated an investigation into XXXX for not providing customers with the service expected/agreed to,
Product: Credit reporting or other personal consumer reports

I called and let them know about the reporting multiple times I uploaded how milestone is reporting the same thing to over 3 times
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX Wells Fargo was the lender on my home and car ; for which both items were included in my bankruptcy filing. I lost the home but was told that the car would not need to be returned. Approximately three to four months after my bankruptcy was granted s discharge I received a phone call from Wells Fargo that a warrant would be issued for my arrest if I did not return my vehicle to the dealership within one week. I had moved three hours away by that time and they told me to drop the car off a dealership in XXXX and to leave the keys inside with the car locked. I was scared and naive that this was true, so I did what they told me. Many years later I received a letter from Wells Fargo stating that they were not attempting to collect a debt under law and included a check for XXXX dollars ; which I never cashed and still have. I have received a few letters from them since then asking me to please cash the check. I looked up information on my bankruptcy case recently and found that the car that I had returned was not needed to be returned at all. I was scammed and stolen from by Wells Fargo. I have tried to figure out how, and why they were able to get away with breaking the bankruptcy code and get away with it, but it is only because they didnt report it to anyone. I was left without a vehicle and still have not been able to get a car loan.
Product: Mortgage

A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from  XXXX  to  1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments.  XXXX   2017  I received a letter from  Ocwen stat ing they were raising the escrow to  XXXX  starting  XXXX   XXXX   2017 . That will raise my payment  XXXX  more dollars. Yesterday I received another letter from Ocwen saying that as of  XXXX   XXXX  the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are  XXXX  year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So  Ocwen 's deman for a  XXXX  + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up  XXXX  in the past but my house payment has gone that  XXXX  in the pa st six y ears and now they 're trying to raise it another  XXXX  by next  XXXX   2017 . PLEASE HELP!!!   Please make them modify balance on home, repay some funds, go back down on payment . Seven  years ago my payment was  XXXX  by  XXXX   Ocwen w ant it now to be  XXXX . As you will see the principal and interest is  XXXX   XXXX  the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent a copy of a report with the late payments reporting on these dates XXXX XXXX XXXXXX/XX/XXXX unlawfully. After I asked them to not report unlawful information based on source of Consumer law 15 U.S.Code 1666B Timing of payments & 15 USC 1681a ( d ) 1. This has burdened my credit report and hindered me from obtaining financing for a home and for my business.

These are the laws below 15 U.S.Code 1666B Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 USC 1681a ( d ) 1 ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions
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 {$2000.00}, {$0.00}, {$0.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have been a CITI bank member utilizing their credit cards since XXXX and have paid my credit card payments there on-time ever since. I also have never missed a payment from any other credit company/loan payment in my entire life of utilizing credit. 

I was not aware of a balance that was on one of my CITI bank credit cards ( {$2200.00} ). I had made my payments on-time every month thus far, and in XX/XX/XXXX was when my payment went past-due. Please keep in mind I was set-up for paperless billing and also alerts regarding my accounts, but I never received any notifications and calls regarding the past-due balance. I did not know any of this was happening up until this week ( XX/XX/XXXX ) when I received a text notifying me that CITI bank was calling me in regards to my account. I immediately made the payment upon notification and called CITI bank customer service to discuss the issue. 

Upon answering from a customer service representative, I notified them of the issue. They had simply told me I had been enrolled in notifications since XXXX and that I should have been receiving emails this whole time. I verified my e-mail address with them, and they told me that it was on my account. I had let them know I do not have any record of receiving statements ( I checked my Junk + Spam folders as well ) and they simply told me they do not know what to tell me and it is my fault that I am not receiving the correspondence. I had responded that I have never missed a payment my whole entire life utilizing credit and that should I had been notified, I would have immediately made the minimum payment. They told me every day CITI bank was calling me since XX/XX/XXXX to let me know, however, I never received any phone calls ( I can pull my phone records to prove, if necessary ). I am frustrated and upset that they are wanting to report a late payment for something a ). I was not aware of and b ). I was never notified of up until it was almost 2 months late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an account early that required two payments/month, and at the same time a major legal debt filing came off of my record ( it has been 10 years ).

Experian reduced my credit score 33 points. I am XXXX years old, and I am single, and despite Covid I have been doing all that I can to try to pay off debts even when my work was shut down SEVERAL times, and here I now have a lower score after I paid off an account???!!!! And a HUGE legal filing related to an ended marriage came off??? 

I ASKED EXPERIAN TO REVIEW THIS AND I EXPRESSED THAT THIS IS EGREGIOUS. 

It's like they want to keep us back and hold us down. 

Last year, a credit card reduced my limit to what I owed because I was not using it, and Experian dinged me for that and said that I had maxxed out the account!!! AND THAT WAS A LIE!!! 

I XXXX  and there are apparently over 150,000 complaints in this database against Experian. When is the government going to stop their selfish and pernicious behavior??
Product: Consumer Loan

Account : XXXX Contacted Wells Fargo to ask them to please stop calling the referrals and family members provided when we applied for loan, we were on the understanding that it was to verify our data. They are now calling relatives and family for my wife and myself harassing them and providing personal information on our loan. We understand that we are a month behind. When I called XXXX this morning, the rep would not provide name nor guidance to make our account current. The rep was trying to belittle me by stating that I should be embarrassed that I 'm behind with no empathy or sympathy for our family current situation. The rep would talk over me and not allow me to explain my case. 
I 'm very disappointed as this is my second request to the CFPB.
Product: Mortgage

I have filed numerous complaints, had several different call center representatives research and continually ignore what the real issue, problem and answer is. Responding with large 80 plus page documents. I have thoroughly reviewed every page and even found errors I was not aware of previously. This was done to intimidate both myself and the CFPB.

With every complaint a new call center representative XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all assigned to pass the same 80 plus page document back and forth only with a new cover letter. All cover letters are the same stating they have tried contacting me which was done for the purpose of documenting a contact or for more time when they say they are trying to contact me.

That contact consist of a call where there is one ring and there is no one there when I answer. This has occurred on several occasions. This is a tactic. In addition WELLS FARGO HOME MORTGAGE has more than one contact number for me a land line of 25 years and a cell phone of 12 years. 

XXXX, XXXX, XXXX and even XXXX thought this was laughable. It is not, they are dealing with peoples lives XXXX seniors. 

Every complaint filed produces a computer generated letter from XXXX XXXX XXXX Vice President another tactic. 

However, no follow up is evidenced by XXXX XXXX or XXXX XXXX for that matter in any of the complaints filed. 

This is a very serious issue as it was originally initiated by the Department of Justice and HUD as a fair housing claim that ended in Federal Court. Believe me there has been nothing fair about the entire process. 

I am requesting that the issue addressed in complaint number XXXX Be thoroughly reviewed by these two individuals XXXX XXXX and XXXX XXXX XXXX for appropriate handling and the resolution and correction to this long on going huge mistake of using the wrong origination date XX/XX/XXXX as evidenced by the settlement company instead of the correct origination date of XX/XX/XXXX as the inclusion date criteria by WELLS FARGO HOME MORTGAGE.
Product: Debt collection

I return their call about being past due and they did give me offer if I paid one payment now they would wave two payments off my bill making me one payment behind I told them I 'm not working at the moment and there 's no way I can afford this car and was scheduled at that time to be sent for repo I gave them my current address and so they called again the next day I told them again nicely that I do n't have a job I need to pick up a repo gave them my current address and then we 're getting calls from my in-laws that they 're calling them asking for me and telling them what about the car xcetera and they have my phone number my current address but anyway it goes on the next day they call me again I answered this time I get a mad and and ask them why they 're not communicating with each other and their own company give them all the same information again then literally the next day they call again and this time I 'm nice again and I told the guy about how they 're calling my mother-in-law and calling me everyday after it 's already been for repossession stop harassing me that worked for about 2 days and now my mother-in-law calls me again n well she 's XXXX XXXX I 'm really not her business about this repossession and she does not need to be harassed expecially when is already given my current address they have my phone number and they are in contact with me and I 'm just waiting on the tow truck driver to call me and say hey meet me out and give me the key I really want this harassment to stop I am currently unemployed I owe lots of bills I 'm fully aware of my obligations financially but at this moment in time I am on food stamps and government assistance looking for work my wife and I both
Product: Debt collection

Ruined my credit possibilities with this collection that doesnt belong to me. {$390.00} as of XX/XX/XXXX is reported from XX/XX/XXXX that I never received credit for.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX Balance : {$84.00} XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received a Chase XXXX XXXX XXXX credit card in the mail in which I never applied for. It is shown as a hard inquiry on my XXXX report as JPMCB card inquired on XX/XX/22. I called Chase card services and reported it fraudulent and had the account closed. I called XXXX and put a freeze and a fraud alert on my account.
Product: Debt collection

Thank you for taking my complaint. During the pandemic, I was offered a settlement from Capital One bank to resolve a credit card that I had. Due to the hardship of the XXXX the XXXX of family members and the loss of employment of other family members, I had originally made an agreement with Capital one to pay the debt that I acquired. Being a victim of Identity theft and having to change to change my card, I become the sole provider of the home. With that said, I took it upon myself to contact Capital one to make an arrangement. Capital agreed to settle the debt for 2, 800 and I knew that I could attempt to afford that amount. while the pandemic was ravaging my family, I myself became sick. In the process my affairs where handled by another party. Recently I was surprised to learn that Capital One proceeded to breach the agreement and decide to send my paperwork to an attorney 's office for non-payment. While I made some attempts to rectify the situation, they never regarded me as a person who was dealing with my own financial, emotional, physical problems. While banks were making arrangements to work with me, I was referred to an attorney office in which the lady berated me on the phone and proceeded to aggressively harass me over the phone. I proceeded to tell her that I was under the impression that I had already made an arrangement with Capital One and didn't see the purpose of the call. She proceeded to tell me it was my responsibility to contact her every month to let her know what my status was. If you listen to the recording of my interaction with the call center, I was visibly shaken and terribly upset. This scary encounter landed me in the hospital. I am not sure what kind of practices that Capital One are using to assist those who have been hit by the pandemic but my call was not a friendly let 's work with you call. I was very disturb by the encounter and I need someone to assist me.
Product: Debt collection

This company has repeatedly contacted my ex husband, his new wife, and my mother saying they are suing me. Then when I advise them I don't owe this debt, they hang up. When I try to get a proof of the debt, they simply send me a letter saying I owe so much money to a very old credit card I had. They refuse to talk to me, threaten to send people to my work, and threaten to sue me even though I have never been contacted in writing one time as but this supposed debt.
Product: Checking or savings account

My name is XXXX XXXX please add this new issue to compliant XXXX CFPB I got this issue email saying this Lost or stolen items associated with your Wells Fargo account XXXX Wells Fargo Online XXXX Hide details To : XXXX Date : XX/XX/year>, XXXX Wells Fargo Home Thank you for calling Wells Fargo to report the lost or stolen items associated with your WELLS FARGO XXXX CHECKING account number ending in XXXX. As discussed, we placed a lost/stolen restraint on your account for XXXX calendar days from the date you first reported the lost or stolen item ( XXXX ). After this restraint expires, you may be responsible for any unauthorized transactions on your account. Therefore, we recommend that you close your existing account and open a new account. 

As stated on our call, we are unable to open your new account over the phone. Please visit the nearest Wells Fargo branch as soon as possible to open your new account. If you are enrolled in Wells Fargo Online banking, we recommend that you change your username and password. 

If you need assistance finding a Wells Fargo branch, use our interactive Locator or call us at XXXX ( XXXX ). Phone Bankers are available to assist you 24 hours a day, 7 days a week. 

To learn more about how we use and protect customer information, view our privacy notice. 

Thank you. 

Wells Fargo Phone Bank Please do not reply to this email directly. 
To view and print the form, you will need XXXX XXXX software, which you can download for free. Wells Fargo does not control the website that is linked. Wells Fargo has provided this link for your convenience but is not responsible for the content, links, privacy policy, or security policy of this website. 
XXXX XXXX XXXX wellsfargo.com | Security Center | Contact Us XXXX I have called in to remove it and the agent told me it was removed and when I called in to verify it multiple times all the agents told me it was removed and no hold was on my account I want yall to verify it was removed or not if not removed it and send me proof when it is removed contact me at XXXX and contact me at XXXX etc
Product: Debt collection

I have enrolled with XXXX XXXX XXXX and sent out the appropriate paper work as well as informed this company to please stop calling my workplace and threatening to attach wages and litigation processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PERSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF IT. 

THE DATES SHOWING OF THESE ALLEGED INQUIRIES ARE : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My bank card was cloned somehow and {$1200.00} was taken from my account on XXXX XXXX I had the card in my possession. Money was taken out XXXX different times at 2 different bank locations for {$200.00} ( XXXX xs ) and {$300.00} ( 2 xs ) XXXX caught the transaction and I was alerted and called my bank immediately to report fraudulent activity as I did not let anyone have my card or activate this myself. 
In the meantime my card was destroyed and a new card was mailed to me.

My claim was denied as they believe that I was the one who conducted the activity which is false. Im asking for help to get my money back. Cameras were never looked at to identify that it wasnt myself. Wanted to clear my name and prove that I wasnt the one pulling money out of my own account and then asking to be reimbursed. I would never think to do something like that. If there is anyway to get help on this matter I would greatly appreciate it. Im a hard working man and that money back ( which was mine to begin with ) would really come in handy.