23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My lender is united wholesale mortgage. I called because we were impacted by COVID 19 and they put us into forbearance for 1 month. I need to extend or pay XX/XX/XXXX. I have called for a week now. Every time it puts me through an automated system and when it moves to trying to get to a representative it rings for several minutes then says that due to high call volume they cant take my call and just auto hang up on me. I tried to write an email through my account but it takes me to another page and when I try my login and password it fails to work. So I have no way to email them. I need to know if I can get it extended or just make the payment but Im at a stand still because I cant get through to them at all. Im worried this will impact my credit and put me at risk of foreclosure.
Product: Mortgage

My name is XXXX XXXX. I believe I have been the victim of predatory lending practices on the part of Wells Fargo Home Mortgage Company, which purchased my home loan in XX/XX/XXXX. My home loan, upon a modification by Wells Fargo, went from {$43000.00} to {$52000.00}. In addition, the maturity date went from XX/XX/XXXX to XX/XX/XXXX. The total capitalized amount by Wells Fargo came to {$9500.00}. I discovered a signature page in my records that went unsigned by either myself or my wife XXXX. I believe I was taken full advantage of by Wells Fargo due to my inexperience in this arena.
Product: Credit card or prepaid card

On XX/XX/22 I spoke with XXXX XXXX about a vacation package timeshare. At that time I agreed to run my credit to see if I was approved for a funds for a deposit on the vacation package. I wanted to take the entire contract to my room and read it. After doing so, I decided I did not wish to purchase any package or timeshare. I have a signed statement from the merchant stating that the deposits previously discussed on XX/XX/22 would be refunded within 15 days. This was not done. I have disputed the charges with my XXXX XXXX. However the Barclays card which is the line of credit XXXX ran will not allow me to file a dispute. They have been stating their system is down for three days, I received no services. I do not owe them money. I also did not want to open this line of credit. Barclays is not cooperating with me. I have also reached out to my contact at XXXX XXXX with no response.
Product: Checking or savings account

My mother XXXX XXXX XXXX XXXX received a fake check from a scammer pretending to be XXXX XXXX XXXX I called the USAA fraud department the same day and tried to warn them not to cash the check because I knew ultimately, I would be responsible for the amount she withdraws because she immediately sends the stolen funds to the scammer and has no way of repaying it. They said they could not discuss it with me. I pleaded with them to at least put a note on the account and verify the check before letting her withdraw funds. They absolutely refused and she proceeded to transfer {$2500.00} to her XXXX XXXX XXXXXXXX account because you made those " funds '' immediately available!!! I got a hold of XXXX XXXX XXXX and they told me she had spoken to USAA and tried to get the money however they told her to wait and see if the {$4800.00} would " stay '' in the account because they suspected it was fraudulent. However, they let her transfer {$2500.00} into her XXXX  account. Then from XXXX she withdrew {$2200.00} from the account thru the XXXX ATM. How is this possible when you are sending her messages that there is fraudulent activity on her account? This makes absolutely no sense. Then to make matter worse she files a claim/dispute about the check being fraudulent ( when she absolutely knows it's fraudulent ) and you then deposit a provisional ( temporary ) credit her to account in the amount {$2200.00} ( Dispute ID : XXXX ) so she can pull that same amount out again? XXXX  So now she has transferred {$2500.00}, withdrawn {$2200.00}, and your provisional credit allows her to withdraw {$2200.00} again on a bad {$4800.00} check. That is over {$7000.00} on a check that was originally {$4800.00}. And to add to that you have credited her {$1000.00} for the fraudulent check due to it being fraudulent for her not knowing, I guess? How is this possible. She knew from the start the check was bad, you guys notified her it was bad, I told her it was bad, and XXXX told her it was bad. She knew exactly what she was doing, and you are just promoting it. Why would she ever stop? And now she has deposited a bad {$15000.00} check into her XXXX XXXX XXXX account and is doing the same thing over there. All because you did not do your job initially when she deposited a bad check into her USAA account. You should be ashamed and embarrassed. She is XXXX XXXX XXXX, and you are letting her get into so much debt which I will ultimately have to cover.
Product: Credit reporting or other personal consumer reports

am disputing XXXX hard credit marks on my credit report. I did not remember me giving any permission to any agencies to perform a hard credit on my report. 
XXXX XXXX flagship XXXX XXXX XXXX XXXXXXXX am asking that these information be remove from my report. 
thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an outstanding medical bill and Credit management company which is a collection agency has broken the law and has reported me to the credit bureau which the law in Connecticut is no medical bill should be sent to the credit bureau
Product: Checking or savings account

I was a victim of fraud which left my accounts negative about {$6000.00} total. When I tried to go into my local branch I was told that the signatures on the bad checks matched my signature. When I did more digging and was actually able to see the fraudulent checks ( the first bank wouldnt show me ) the signature looked nothing like mine. When I called and tried to submit a claim, the bank closed my account and said I still owed them the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 

( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX  ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( XXXX  ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Credit card or prepaid card

Due to errors on behalf of the credit card issuer, my annual fee was reduced to the point I can not use it for the primary purpose I opened the account. I had fraud on my account when I otherwise would not have any activity on my account and the issuer Bank of America ( BofA ) did not send me statements so I reasonably concluded I was not issued a statement. BofA failed to issue me a statement for 3 months then sent me a letter dated XX/XX/XXXX that I had a balance on my account. I contacted BofA on XX/XX/XXXX to inform them of the fraud. After the issuer failed to send me new cards with a new number as it had committed to doing due to fraud on my account, I contacted them again on XX/XX/XXXX so my cards could be reissued, at the same time requesting that my credit line which had been reduced to {$500.00} from the initial {$16000.00}, which is less than I need to be able to utilize the primary benefit I was promised at signup and therefore agreed to pay a $ XXXX fee. However, I received a letter dated XX/XX/XXXX nearly a month later that my request had been denied because " You have had a recent credit line change on this account '' which is circular logic because it was BofA 's errors in the first place that resulted in the credit line decrease, because I was not properly informed to respond to or pay a bill. I called to request reconsideration on XX/XX/XXXX and the person answering repeatedly refused to answer yes-no no questions which I take as an admission that BofA knows it improperly lowered my credit limit. I was informed reconsideration could only be done if requested by writing a letter. I wrote a letter on the same day and have been informed the request was denied. I have yet to receive a full detail. However the companion pass for the first year that was part of the signup package expired while I have been corresponding trying to resolve the unacceptable situation. 

In summary, I paid an annual fee of {$75.00} for my card and am unable to use the primary benefit that enticed me to sign up for the card because BofA has lowered my credit limit which was solely a result of BofA errors ; BofA itself failing to provide required correspondence, which has happened on multiple occasions since opening the account in XX/XX/XXXX. I am really disappointed that I have to file a report with the regulators but BofA 's actions have forced me to reach out for external help and any sanctions that result are its own doing.
Product: Mortgage

Refinanced my home in late XXXX through XXXX XXXX, and generally had a very positive experience. My previous mortgage was being paid via electronic transfer every two weeks. We asked for this same protocol of biweekly automatic payments from XXXX, and that was agreed to, at no additional charge. 

In XX/XX/XXXX, XXXX wrote to inform us that that they had sold or re-assigned our loan to " Mr. Cooper ''. We were prepared for this, as it was a condition of the XXXX refinance and we have experienced it before with other refinancing transactions. 

What we were NOT prepared for, and what we are seeking assistance on from the CFPB, is that Mr. Cooper is seeking to charge us a fee in order to continue biweekly payments on the mortgage, which we estimate will cost nearly {$900.00} over the life of the loan. By continuing to pay biweekly ( rather than monthly, the default with Mr. Cooper ), we expect to save over {$5100.00}. 

On the FAQ from XXXX, it says the following : " Can the new servicer change my loan terms, due dates, or grace period? Your loan terms will remain the same. 

Both XXXX and Mr. Cooper say that biweekly is a " payment option '', not a term for the loan. But how can the " same loan '' originated at XXXX cost me nearly {$6000.00} more if I opt for the no fee payment option? And how can the biweekly payment option that was foundational to my XXXX XXXX cost me extra to continue. 

Stated differently, Mr. Cooper is charging me nearly 20 % ( ~ {$900.00} ) of the savings ( ~ {$5100.00} ) that I rightfully expected, based on my original deal with XXXX to accept payments on a biweekly rather than a monthly basis. 

Surely I am not the only consumer facing this unfair and predatory treatment. If CFPB is not working on this issue, it should be. If you have the power to make Mr. Cooper drop their {$65.00} annual fee to make bimonthly payments, you should apply that power NOW, in this case.
Product: Credit reporting or other personal consumer reports

These is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX IL XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX.
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 XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX ) XXXX, 15 U.S.SC 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 or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, this is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX  XXXX XXXX Balance : {$26.00}
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPER BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. - 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 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
Product: Debt collection

I got a loan with Atlas Credit Co., Inc. in XXXX XXXX Tx. I always made my payments but about 4 months ago my 7-year-old son was very ill. After about two months we found out he has XXXX and will most likely XXXX XXXX within the year. I can not afford to pay Atlas anymore. My son 's bills are killing me and I had a loss of time at work so I was not getting paid. I send a letter off to Atlas Credit Co., Inc. on XX/XX/XXXX to stop all calls and ask that I only be contacted by mail because I know I can't pay them back. I have told them this on the phone. They text me telling me they are going to come up to XXXX XXXX 's hospital to come to get money from me. I also have the text saved if I need to provide them. They call me three times a day they go by my home two times a week. I can a call today XX/XX/XXXX XXXX am after I know they received my letter because they send me a letter back. I can't pay them ... I told them to do what they need to do but at least stop all the calls so I can at least enjoy the little time I have left with my son.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receiving bills for a credit card that I do not have and never opened. Showing up on my credit report and unable to report fraud the the credit card company even though Ive made numerous attempts. Credit card company is XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> around XXXX about 10 transactions were made sending a XXXX XXXX to someone named XXXX XXXX in which I did not complete for a total of {$490.00}. When texted was this me after the transactions were completed, I replied no and closed my debit card. The transactions are not in my cash app which makes me believe this person somehow added my debit card to their cash app and continued to pull money off it. I filed a claim with chase that was denied saying the charges were authorized. On XXXX this person then tried to use my credit card on cash app which was denied immediately. Chase refuses to reimburse the money i have lost. I have since closed both accounts. The screenshot i provided is the person taking the money out in small amounts before chase texting me to verify if it was me. This was done on Saturday morning, i immediately called chase to report the fraud in which the agent filed the claim and was submitted that Monday in which she agreed the transactions did not look correct.
Product: Payday loan, title loan, personal loan, or advance loan

This company has charged my debit card multiple times for a subscription that is supposed to be billed monthly. I have been charged 4x in one day on some charges and twice in a month for others. Nearly {$100.00} in charges. I have chatted in with them and they have not explained the charges, only stating that I owe them. Unsure is this is a robot or a real person. There is no phone number to reach this company. I have asked multiple times to close the account and they are stating that I still owe them money that needs to be paid before closing the account. I have a checking account and debit card attached to the account. I was able to reset my banking password to prevent them from withdrawing from it. But my debit card is still on the app and the company will not allow me to remove it. Today, they attempted to charge my card again for {$11.00}. Unsure of the reason. Had I not locked my card, this charge wouldve came through. They just charged my card {$10.00} on XXXX and another {$10.00} on XXXX.
Product: Debt collection

I have sent debt validation notice and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

however, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned to collections in XXXX and never billed or notified. This year I saw a collections account from Wakefield and Assoc. I have sent them the Insurance EOB showing the amount initially billed, how much insurance paid and how much was to be adjusted and that my amount owed is XXXX. They have received this three times, including XX/XX/XXXX the last time, and not responded or removed the account. My credit bureaus say WAkefield 's saying the full amount is due by me and verified as accurate. My insurance has not heard from any one but me so they are not doing their job to verify. I am attaching the EOB which is easy to read. The payment or check was cashed on XXXX and insurance will verify that. 

XXXX XXXX XXXX also is not responding or removing account. They are breaking the law balancing billing me which violates the insurance contract they are on with my insurance. I would like them notified of this complaint as well. 

I have spent alot of time trying to dispute this and everything fails as Wakefield said it's accurate... clearly it is not.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Funancial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did 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: Debt collection

XXXX XXXX XXXX XXXX XXXX : XXXX Ext XXXX Fax : XXXX Email : XXXX XXXX XXXX Abused his power as a collector. When speaking to him on the phone he expressed he sent letters to my house. 

I honestly told him I never received them. i asked how I can dispute it but only to demilitarize me and say I am a criminal when explaining myself of the miscommunication. He didnt believe me and called me a fraud and threaten to take legal action after a year of claiming to contacting me even tho I cooperated. He was rude and putting me in a box as a criminal and dismissed anything I said his response was I have to pay after asking questions to dispute and speak to someone to negotiate. He denied. Not sure if XXXX records calls but if they do you and get a copy from them. Because of him being rude I told him to send me an email. i reached out and sent emails to only get an email threatening to report me as fraud. He has claimed to have been calling me for a year which is harassment. Even after finally speaking to him and being transparent and understanding all he cared was to pay pay pay and threaten to report me to fraud after saying on the phone he know its wasnt malice but you have to pay which was an error on there part not intentional. He refused to help me dispute the case and just threaten me to report me to fraud.
Product: Money transfer, virtual currency, or money service

PayPal emailed me there was an unrecognized login from an XXXX I have never had out of Texas. I live in IL. Before verifying it was me, they allowed 3 overseas payments to be sent. When I got the email, I changed my password, tried disputing the charges and they would not allow it because it was sent as friends and family. I tried again and they determined in that dispute that no unauthorized activity had occurred. They will not refund my money. Ive cancelled my debit card, removed the old debit card, changed passwords twice. PayPal is supposed to be SAFE and instead they are anything but and refuse to uphold their secure promise.