23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # 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 an account without my written instructions.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Product: Credit card or prepaid card

It is not a first time Wells Fargo email me invitation and when I apply. I got denied. I just curious if they just after people to collect a sensitive info for identity theft? I feel like I am getting discriminated or my name is going to be used for somebody else. Application required full SSN, Birthdate, Mother 's maiden name and all other sensitive info. 
Reference : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Weve finished reviewing your application for the Wells Fargo Active Cash Visa Card. 
Thank you for applying for a new credit card. Weve reviewed your application and are unable to approve it at this time. Youll receive a letter from us within 30 days, and itll provide information about why were unable to offer you a credit card account. 
Thank you for choosing Wells Fargo.

Wells Fargo Credit Cards Thanks.
Product: Credit card or prepaid card

I paid my credit card off on XX/XX/. Two days, I went to check to make sure that there was a XXXX  balance. To my surprise there was a {$20.00} fee applied to my account. I paid that balance. Today I received another email informing me that I owed {$56.00}. I called Discover to inquire about this new balance. I was informed that because I paid my balance two days after the due date, I was charged interest and late fees. I was very upset with the company. I told the company that they were penalizing me for paying off my balance. Something needs to be done to prevent companies, like Discover, from penalizing individuals from paying off their balance. The company will try to hide between a false narrative about when I paid my balance. The truth is Discover is penalizing individuals for paying off their balances.
Product: Mortgage

Select Portfolio Servicing, XXXX had misapplied payments, not applied payments, not calculated basic accounting practices, and not corrected loan accounting errors when notified. Select Portfolio Servicing XXXX XXXX has predatory loan practices, mortgage abuse, negligent behavior, fraudulent practices, and XXXX behavior. These predatory, abusive, fraudulent and XXXX practices are used to bully people into excessive and higher servicing fees, legal fees, and interest rate costs. See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a inquiry that I did not do.
Product: Checking or savings account

Between XXXX and XXXX BBVA failed to protect my account and illegally and unlawfully allowed some one to unlock my account call for ACH transfers and Use my debt card at a rate I never had. BBVA failed to secure my account when all the Suspicious transactions and purchases were being done BBVA allow a repeat of transactions to be done over and over BBVA allow ACH transfers to be done that Ive never been done before BBVA feel to protect my account has calls me a loss BBVA has ignored my demand to resolve this issue, failed to assist me in getting my funds back, and has not responded to my emails, letters, or calls. I have emailed BBVA several times, went to the branch, and still to date I have been assisted by BBVA. Im demanding a full refund and audit of my account to ensure all illegally removed and transferred funds are replaced in my account l.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( XXXX, Experian and XXXX ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XX/XX/2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights. 

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.
Product: Debt collection

I get a call from XXXX XXXX to call XXXX XXXX XXXX something about paperwork for me to sign. That never came it was supposed to come between XXXX today. This company dont know XXXX XXXX XXXX but he sure knew them he calls from private number. He gives number to call XXXX XXXX the other number to XXXX  XXXX is XXXX ( XXXX ) XXXX. I spoke to XXXX with XXXX today he was rude and antagonistic and aggressive. I hung up on him at first to call original creditor lendly and then got referred to XXXX XXXX they referred me to XXXX. Well I call XXXX back after verifying that. He asks about notices sent to me dont recall anything by mail, and he dont know nothing of this XXXX server no show guy but XXXX sure XXXX them. XXXX demanded immediate payment by debit card and he would send paperwork to stop next step in process what that is they dont know maybe wage garnishment anything really depending on law. With out immediate debit card and signature on some e docs right that second they will consider me not willing to resolve the account ( despite me telling them I was busy and couldnt get them that info right that second ). I think I received something from united maybe but not this XXXX  place. XXXX wouldnt send me payment plan paperwork with out debit card up front. They asked who I bank with same bank as when I got the lendly account XXXX snarked back thats surprising. Also according to XXXX if I kept track with my creditor or something like that this wouldnt happen ( after i informed about seeing if it was a scam ). XXXX was upset and loud and XXXX and sounded mad about me hanging up on him earlier to check to see if this was legit he kept being obnoxious repeatedly oh its not a scam we got your info ( ya scammers can get that ). I told them because they didnt want to give much info. Kept demanding immediate payment and signature on XXXX docs after getting my debit card first that maybe I should look at a lawyer or file complaint with ftc he hollered what lawyer I said maybe XXXX look at getting one or filing with ftc he immediately disconnected. 


Lendly number ( XXXX ) XXXX XXXX portfolio number XXXX The number to XXXX and the XXXX office is in report.
Product: Checking or savings account

XXXX fraud to my case Wells Fargo text comes through about fraud, I reply. They call my phone I answer. I myself log into my account to look at my account as I do this the Wells Fargo fraud agent took over my XXXX. Transferred money to XXXX XXXX! I was refused by the bank to get my money refunded as they said i authorized this transaction! I argued this and opened a new claim as this was a full phone takeover! I never have the guy any info, numbers or any details. No I didnt authorize anything! This guy took over my phone! This is illegal and I want my money back Wells Fargo is a horrible bank
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY SERVIC for committing identity theft. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from AD ASTRA RECOVERY SERVIC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTRA RECOVERY SERVIC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY SERVIC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY SERVIC continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY SERVIC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

Thus us addendum to complaints : XXXX XXXX Both made on XX/XX/XXXX I was also told by XXXX that worked for Carrington. They have been holding my money but not applying it to my account since XX/XX/XXXX, letting unnecessary interest to accrue. Thus is a cruel and unethical banking prank to try to take someones house. My mortgage is current. I have paid XXXX payments, the proof has been submitted. Why they are just holding tge money in the back as she stated I dont know. People should me made aware of this unethical practice of this company. That money ( payments ) they are holding should be applied to my account immediately, without that accrued interest added. This is just an awful practice to prey on people. 
Unethical practices must be stopped, God sees it all
Product: Credit reporting, credit repair services, or other personal consumer reports

USA Funds accounts were student loans that were taken over by XXXX. I am in good standing with all XXXX accounts, but the USA Funds are showing active and past due.
USA Funds account numbers 1-XXXX 2-XXXX 3-XXXX 4-XXXX 5-XXXX XXXX account number XXXX-XXXX  XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX
Product: Debt collection

XXXX added a collection in XX/XX/2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Diversified Consultants provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service.
Product: Credit card or prepaid card

I have three credit cards with Chase. One of the packages I ordered to be delivered was stolen from my front door after it was delivered. I opened a claim ( claim number XXXX ) with Chase 's Purchase Protection provider, XXXX, and was asked for a lot of documentation, which I provided, including : a copy of my statement showing the purchase was made on my Chase card, a copy of the receipt from the store, the tracking number of the purchase from XXXX. Then the next day I went to the police station to file a report and received a piece of paper from the Police Department confirming that I had filed the report, which I added to my claim twice via web and once via email because they kept asking me to upload it. The claim was opened on XX/XX/17 and when I kept checking they confirmed it was being sent for approval. Then last week I got a call saying they needed a detailed police report, which I found out is going to take 10-12 weeks to get from the city, and will cost me {$25.00}. At this point I feel like I have provided much more than sufficient documentation for them to honor my claim and that they are just asking for more information in the hopes that I will give up the claim. I contacted Chase and they tried to transfer me back to XXXX, but I declined since multiple contacts with the company had resulted in them just asking for more and more information. Any help you can provide would be greatly appreciated. Incidentally, the company XXXX  has a terrible rating as evidenced in this blog post that prompted me to escalate to you. XXXX XXXX XXXX/ It is cold comfort to know that I am in the majority when it comes to customers complaining about this service - 87 % have given them one star.
Product: Mortgage

To Mr. Cooper, XXXX XXXX XXXX, CFPB, Date XX/XX/XXXX Loan Number XXXX Property Address XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Mail XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Phone XXXX ( XXXX ) XXXX XXXX Email XXXX Subject : Demand for Immediate Refund of {$760.00} Due to Escrow Payment Error and Violation of Legal Obligations Dear Sir/Madam, XXXX XXXX XXXX XXXX I am writing to formally address a serious issue regarding a violation of regulations and the improper withholding of funds by Mr. Cooper Mortgage , as the servicer of my loan through XXXX. This matter concerns an erroneous payment made from my escrow account for property insurance to the wrong insurance XXXX and the continued failure to refund the associated amount of {$760.00}. Mr. Cooper has transferred the mortgage however that do not release Mr. Cooper from the financial duty and paying the access collection fo the Escrow amount. 
On XX/XX/XXXX, Mr. Cooper, as the servicer of my escrow account, made a payment in the amount of {$760.00} to " XXXX XXXX XXXX XXXX XXXX Florida '' ( " American Integrity '' ), a XXXX with which I do not hold an active insurance policy. Subsequently, a duplicate payment of {$760.00} was made on XX/XX/XXXX, as reflected in my Escrow Statement. These payments were made in error, and I have attached supporting documentation to substantiate this claim.

Despite my repeated attempts to address this matter, including contacting your customer service team, no meaningful resolution has been provided. Specifically, there has been : 1. Lack of Refund : To date, the amount of {$760.00} remains unpaid despite cle
ar evidence that the payment was sent to an incorrect insurance carrier.

2. Lack of Communication : There has been no adequate explanation or update regarding the investigation into this matter. Additionally, XXXX XXXX XXXX responses have been unhelpful and failed to address the issue in a timely and transparent manner. 
XXXX. Unethical Practices : The delays in processing this refund appear deliberate and are both unethical and in violation of Florida Statutes Section 501, which prohibits deceptive and unfair trade practices. Holding funds without justification and failing to provide a timely refund violates consumer protection laws.

This situation is further substantiated by communication from my insurance agent, who confirmed in writing that the duplicate payment error originated with Mr. Cooper. This evidence, along with documentation in the escrow statement and notes on the case, clearly demonstrates your obligation to refund the amount in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is completely and inaccurate reporting my credit and my accounts. On their website, they are reporting my credit report has not been updated. When looking on the XXXX, and Equifax reports, my credit score is complete different. This is a violation of the FCRA. And I am seeking legal action. 

They do not stay consistent with information and they are inaccurately reporting.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the results of my second attempt to correct the late open accounts and remove charge off accounts from my credit report. Despite my previous efforts, I have observed that the inaccuracies persist, negatively impacting my creditworthiness. 

I initially brought these issues to your attention and I have since submitted the required documentation and evidence to support my dispute. I understand that the credit reporting process can be complex, but I am disappointed to find that the inaccuracies on my credit report have not been rectified in a timely manner. 

The late open accounts and charge off accounts on my credit report are inaccuracies that are affecting my ability to secure favorable financing terms and interest rates. I have attached copies of the previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent disputes for your reference. 

I kindly request that you conduct a thorough investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. It is my understanding, based on the Fair Credit Reporting Act ( FCRA ), that accurate and up-to-date information is crucial for the fair evaluation of consumers ' creditworthiness. 

I would appreciate your prompt attention to this matter, as I believe in the importance of maintaining accurate credit reports. Please notify me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I am asking for your assistance to correct these late open accounts and remove the charge off accounts in my credit file : XXXX. XXXX XXXX XXXX XXXX : {$1500.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Mortgage

I got approved for HAmp modification and partial claim. 
XXXX trial period they stated was for 4 months from XXXX/XXXX/2015 thru XXXX/XXXX/2015 but, pmnt wa XXXX $ XXXXper month. problem was they continued to leave the normal pmnt of {$1400.00} per month and this diference of {$220.00} was going to be put on my credit as 30 days late based on the 4 months trial period I would have been late 120 days late. I discussed it with loss mitigation and they stated I could pay for the trial period up front and thee would not be any latenesses. 
Unfortunately Nations Star has done this to thousands of persons. I you are XXXX pmnt behind on your mortgage and request a modification under hamp that means your credit will reflect anywhere between XXXX pmnts late and that will result in a foreclosure plus all legal cost among other things. heavens knows how many forclosure they have created. nations Star is a servicer/collector and has been scaming people. 
They took my 4 months pmnt and never added my XXXX scrows to my account. then they added a interest of {$2000.00} XXXX and reverse it same date. 

My Hamo modification was approved in XXXX I paid trial period XXXX/XXXX/2015. 
I started so many emails to no avail same response and lies from the personel as well sttaing that they were part of scrow dept/lossmitigatiom/socialmedia/insurance/modification and mad ebeleive they would transfer you. 
On yanuary I even got anotgher Hamp modfication with a trial period from XXXX and interest of the same amount as the {$2000.00} that wa sreverse and added to my partial claim.