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

CREDIT WORLD SERVICES , INC LLC has received multiple letters requesting the validation of this debt via a wet signature contract between myself XXXX XXXX and their company CREDIT WORLD SERVICES , INC LLC * ( not a third party ) * in which they have now failed to provide. As well as proof of authorization from myself XXXX XXXX releasing my personal information to their company CREDIT WORLD SERVICES , INC LLC * ( not a third party ) * in which they also failed to provide. Along with a cease and desist letter in accordance with Consumer law 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer which states the following : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or Except as provided insection 1692b of this title, without the prior consent of theconsumergiven directly to thedebtcollector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, adebtcollector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, aconsumerreporting agency if otherwise permitted by law, thecreditor, the attorney of thecreditor, or the attorney of thedebtcollector.

It seems as if CREDIT WORLD SERVICES INC is in violation of multiple laws including the illegal acquisition of my personal information which can be considered identity theft, as well as continuing to illegally report a debt being owed that has already been paid for in full and purchased by their company CREDIT WORLD SERVICES INC, LLC therefore making me not liable for the {$610.00} debt that is being falsely reported as unpaid on my report. This is a final attempt to resolve this issue with the company before moving forward and proceeding with having my attorneys send over an arbitration and identity theft lawsuit that has already been written up.
Product: Debt collection

I opened a paypal credit account in XX/XX/XXXX. The purchases were deferred for interest. The minimum amount due was always paid on time. For several months, I did not receive a bill. I spoke with Paypal ( XXXX ) in XX/XX/XXXX to inquire about my statement. She promised to mail me my statements. I never received them and later found out from paypal that she did not mail them as promised. I spoke with XXXX, Agent ID XXXX on XX/XX/XXXX. She explained how to view statements online. She transferred me to XXXX, Agent ID XXXX who then settled the account for {$1600.00}. He said he would waive the interest accrued and late fees since I did not receive my statements. I agreed to this and gave him bank information to take a payment. They debited my bank account on XX/XX/XXXX for {$1600.00}. On XX/XX/XXXX, I noticed online a balance for {$350.00}. Paypal is now saying they did not agree to waive the late fees and incorrect interest accrued and that they don't have any notes from the representatives that I spoke to. They also said they do not have any records on the representative who took my payment of {$1600.00}.
Product: Checking or savings account

Several Wells Fargo accounts were opened which were not authorized, numerous prior CFPB complaint were filed, unresolved, pertaining to this issue and fees/damages associated with these accounts.. A mediation session was made with Wells Fargo and a XXXX XXXX , rep on Wells Fargo side . XXXX offered a small remedy amount of {$300.00} then moved to a higher amount of {$500.00}, which does not cover damages sustained due to these accounts.. As explained in prior complaint, I've lost potential interest as result of inability to open accounts, due to information reported prior by Wells Fargo to one or more consumer reporting agencies. The amount, {$500.00}, does not cover damage amount and a lawsuit will have to be filed, unless Wells Fargo is willing to make a reasonable offer to compensate. Failing to do so, I request these mediation packets STOP .... I've received several of these, filled out five or six, no reasonable offer made which I described above..
Product: Debt collection

ONCE AGAIN MIDWEST RE-INSERTED THEIR ACCOUNT BACK INTO MY XXXX CREDIT REPORT AGAIN! WE HAD A SETTLEMENT AGREEMENT NOT TOO! ALSO COLLECTING ON ZOMBIE DEBT 6 YEARS IN ARKANSAS.
Product: Debt collection

I was contact by Frost-Arnett Company back on XX/XX/2022 regarding a medical bill I have. The debt collector never verified any PII, never read XXXX XXXX disclosure, and I do believe contacted me by a dilated system. I had to ask her at the end of the call if she was a debt collector because she didnt follow proper procedures. This is a violation in several ways. I did call back and speak to a manager XX/XX/XXXX and made them aware s as bf asked them to listen to the call and still havent heard anything back.
Product: Vehicle loan or lease

On XX/XX/XXXX, the XXXX  XXXX XXXX XXXX dealership inadvertently registered and financed the incorrect vehicle in my name. On XXXX, I caught this error and contacted the finance director at the dealership. At that time, I was advised by the director that they would have to send the finance department at Nissan Motor Acceptance Corporation a check to  payoff this vehicle. Thus, a check was sent overnight to them on XX/XX/XXXX by XXXX and NMAC received it on XX/XX/XXXX. As of today, this check still has not been processed and this account remains open in my name. I've called the finance department at NMAC at least 10 times to check on this account and as of today it still in the same status for the full balance of that vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I attempted multiple times to dispute incorrect personal information on my credit report with Equifax and update my personal statement. Equifax refused to allow me to submit a dispute. This is a grossly negligent violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX/XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type
Product: Checking or savings account

I contact US BANK to dispute an fraudulent transaction and I was told this fraud on my savings account can't be disputed when I told them they have my account number the transaction showed my bank account this is Not an Error this is FRAUD money was taken out of my by using my account number which means my account has been compromised and I have sent the claim in for ACH entries I didn't know it was on my account until I looked through all of my transactions and saw this transaction for {$75.00} done on XX/XX/2018 # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Product: Checking or savings account

In XXXX of XXXX, I noticed some charge errors on my debit card issued by Wells Fargo. I was charged for goods/services that I never received from the merchant known as " XXXX XXXX ''. My debit card was charged a number of times for goods that I never received. My account with the merchant should have been credited for the exact amount of the debit card charges in question but never received any credits. I attempted to resolve this matter directly with the merchant but they did not respond to my issue.

As such, I then sent in a letter containing details for 8 debit card disputes to Wells Fargo 's Dispute Resolution Department. I sent this letter to the address that appeared on the notification when I first attempted to file my dispute through their app. My letter seems to have been ignored and Wells Fargo has not notified me that they are investigating my disputed charges. The letter I sent fully enables the institution to identify my name and account number ; and indicates why I believe an error exists and includes to the extent possible the type, date, and amount of the error. 

I sent this letter via USPS Certified Mail with tracking and return receipt. I will attach screenshots of 1 ) the address which Wells Fargo received my letter, 2 ) the tracking information from USPS showing the letter was delivered and signed for on XX/XX/XXXX, and XXXX ) the return receipt with the signature and printed name of the employee who received my letter of disputed charges. The tracking number for this letter is XXXX ( XXXX ). 

I will also attach a copy of each page that I sent in this letter to Wells Fargo to this CFPB complaint. The XXXX pdf documents included in this complaint reflect exactly what they received on XX/XX/XXXX. You will notice it has all of the details necessary to file my dispute against the merchant. 

Regulation E 1005.11 ( c ) ( 1 ) states the following : 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. 

It has now been XXXX business days & XXXX calendar days since my letter was signed for. Thus, it is apparent that my letter is being ignored and Wells Fargo has not obeyed Regulation E as a financial institution. I am submitting this CFPB complaint with the hope that someone will conduct a fair investigation for my dispute and resolve the charge errors because it is obvious the merchant has stolen my money and did not ever deliver the goods they promised. The merchant is completely unresponsive at this point and ignored all of my attempts to resolve this issue with them.
Product: Payday loan, title loan, personal loan, or advance loan

I missed payments on my loan last year and the account was " charged off ''. I entered a settlement agreement with Viva Finance and have been making on time, monthly payments since entering the agreement last year. Today, I received notification that Viva has reported my account as delinquent. I have attached a screen shot that proves I have made on time payments since starting the settlement agreement last year. Also, it is illegal for Viva to report my account as delinquent again since it is already reported as a " charge off ''. I have had multiple issues with thus creditor!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Cardinal Financial offered a better rate on my mortgage so I followed the normal refinance process of full disclosure of my assets, income, and obligations. There was no doubt that I had at least 60 % equity in my home based on selling prices of like models in our subdivision. I said to Cardinal Financial if I did not qualify for any reason I would not pay for an appraisal. Cardinal Financial said I qualified so I paid the {$470.00} for the appraisal. The appraisal came 10 % lower than comparables, but still showed 50 % equity. I have a pension, social security, and had a part time job. Next thing Cardinal called me and said the part time job needed to be in existence for 2 years and suddenly I did not qualify. Since my wife at this time received an inheritance that could bridge this income shortfall through an annuity I offered this as a substitute for the part time job. The individual I was working with suddenly would not return my calls as well as any of my contacts at Cardinal. I registered a complaint to the North Carolina XXXX ( case id : XXXX ) to get my {$470.00} back and even though they responded that I did n't qualify because of the XXXX job, they never answered my other questions such as why I qualified before the appraisal but not after they got my {$470.00}.
Product: Mortgage

I requested a mortgage modification on my first mortgage with Wells Fargo XX/XX/XXXX. When I started the trial period payments XX/XX/XXXX I was at most 45 days late. I proceeded to make all of my trial period payments either early or on time each month for the duration of the trial payment period which lasted approximately 7 months until XX/XX/XXXX when the modification was finalized. However, even though all of my payments during the trial mortgage modification were either early or on time Wells Fargo Home Mortgage is reporting me 60 days late for several months during this timeframe most recently XX/XX/XXXX and XX/XX/XXXX. They continue to report this inaccurate information even though I have utilized the credit report dispute process as well as the internal Wells Fargo investigative process. I have provided them dozens of pages of statements and payment confirmation numbers for the months in question and each time they just come back and say they are reporting correctly. However, they never provide me any hard data that shows I was late 60 days on the months they are reporting it. There is just a vague explanation that the reporting is a byproduct of the modification process and that it 's correct. Even though their own statements would show payments were made on time or early for the months being reported 60 days late. I have spent hours collecting and analyzing data to make my case but it is almost as if Wells Fargo is using the inaccurate negative credit reporting as retribution for undertaking the modification to begin with.
Product: Credit card or prepaid card

Someone tried to open an account with Wells Fargo for a furniture store. I have my credit frozen so it did not go through.
Product: Mortgage

We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent! 

Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Debt collection

Portfolio recovery calls multiple times per day sometimes leaving messages sometimes not. I have asked them to stop calling or send me bills that show what they are collecting for. I believe this is not legitimate debt and they have shown nothing to substantiate there claims.
Product: Credit reporting or other personal consumer reports

My personal information has been involved in XXXX XXXX
Product: Debt collection

I discontinued my XXXX contract in XXXX of 2016. According to XXXX XXXX XXXX my new provider I needed to show receipt of payment to XXXX for the phone device that I had leased, and they XXXX XXXX XXXX would make me whole. WellXXXX immediately revoked access to all my billing statements and went ahead without any invoicing or giving me the bills even though I had asked the representative to send me those, charged my Credit Card for recurring charges. I disputed the item and the Card company agreed that the charge was n't recurring and XXXX inappropriately charged the card. That was the last I heard from XXXX or anyone on this. Just yesterday I received a notice that my credit report had been adversely affected. I researched and it turns out a Debt collection agency by the name of Diversified consultants had put this adverse action on my pristine report. I called them this morning and the agent was n't helpful at all and she hung up on me once I asked to speak with a supervisor. 

Neither XXXX nor Diversified in earnest tried to contact me. the call log on my phone number would show it and they have both the right number and the address for me.
Product: Mortgage

Dear Madam/Sir, I am consumer and I was experienced a cheating case during the home mortgage process, the lender name is United Wholesale Mortgage, loan broker is XXXX. Before I sign in the escrow company I was told it 's a no point no fee loan, and the lender will pay the compensation to the loan originator, but the reality is I paid over {$6000.00} to the broker as his compensation. I believe it 's unfair to a consumer, because I am able to find other lenders or broker in my area that can cover my loan cost. 

If needed I can represent all loan documents. 

best reregards, A consumer
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of identity theft stemming from a recent data breach, and these items were added to my report fraudulently. Under the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ), I am entitled to have these unauthorized items blocked and permanently deleted from my credit report.

Fraudulent Accounts : XXXX. XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$310.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Always pay on time. Falsey reporting late payments on my credit report. See the attached.
Product: Debt collection

AMERICOLLECT ( Original Creditor : XXXX XXXXXXXX XXXX ) is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020