23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had communicated to XXXX XXXX representative XXXX XXXX XXXX XX/XX/XXXX, on reducing and reinstating payments for a balance of {$10000.00}, due to the fact that normal debt repayments were difficult due to the effects of COVID-19. Also, I pointed out that the amount that they originally assessed to me had a great deal of late fees posted after dispersal of my XXXX loans, which were supposed to cover the full balance of the debt in the first place. 

On XXXX XXXX, XXXX, I received a call from Williams and Fudge ( W & F ), regarding an alleged debt of {$12000.00}, on behalf of XXXXXXXX XXXX When I called XXXX about the original balance of {$10000.00} and why it was increased or sent to a debt collector when I was in good standing with them on that same date, I only received evasive answers, with the representive XXXX XXXX stating that the office mailed over notices to an old address in XXXX. However, they have not provided copies of the letters that they sent, nor did they confirm that I received them, even though I was in active email communication with their office for several years now. I only became aware of any delinquency when I received a call from the debt collector, W & F. 

In my own letters to XXXX and W+F dated XXXX XXXX and XXXX XXXX, I requested that I get my original payment plan with XXXX to be reinstated, due to the ongoing effects of COVID-19 slowdown and due to the fact that they have a documented case where they have offered a reinstatement to a XXXX in a very similar situation ( re : Tiene v. Drexel, 2020 ). W+F only provided incomplete verification on XXXX XXXX, with no explanation for the increase and without the full contact information of the XXXX representative, XXXX XXXX, that was supposedly supervising the debt collection. 

Additionally, I requested that W & F not contact me until I received full verification of the representative at XXXX and the reason for the change in the bill amount, but that request was repeatedly violated. 

After sending a second notification asking for this information from XXXX and W & F, I reached out to a class action site ( XXXX ) for additional information and support regarding payment issues with other students in their database. Their site does not guarantee representation or even direct contact, but claimed they possessed additional information about similar cases. I did not promise confidentiality with XXXX, in any case or during any communication. 

One day after I submitted this query to XXXX XXXX XXXX  ( XXXX XXXX ), I received another call from W+F about the amount they claim is due.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved. 

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect. 

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error. 

Thank you for your attention to this matter. I am looking forward to your prompt response.
Product: Credit card or prepaid card

On XX/XX/2020 and XX/XX/2020 I requested balance transfers for two other accounts I was planning to pay off using a balance transfer. The XX/XX/2020 payment did not arrive at the financial institution until XX/XX/2020 and the other payment has still not arrived ( as of XX/XX/2020 ). As a result of the slow process I was concerned about being charged late fees on both accounts so I paid the minimum payment but as a result of the late balance transfer I ended up being charged interest on those accounts. 

On XX/XX/2020 I called PnC who told me it could take as long as 23 days to process a balance transfer. I have done many other transfers before and never had it take 23 days. I would not have used this service had I known it would take 23 days since that is a headache. Given COVID19 I also worry that my payment was delayed processing since they are likely short staffed at all the institutions. I called PNC asking for them to waive the fee on the BT and they told me they could not do that and I should expect the payment to take as long as 23 days. 

In my opinion, this is poor service given the circumstances. I would like both of my balance transfer fees to be removed since I've had to call both of the other institutions and used my " one time fee waiver '' as a result of PNC 's slow process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 143M Americans whose credit information was compromised by the recent Equifax data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from Equifax, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ONE hard inquiry on my Equifax report and I do NOT recognize this. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I need it removed immediately. I might be a victim of identity theft or fraud. Please help resolve this issue as soon as possible.
Product: Mortgage

The seller, XXXX XXXX XXXX, represented by its servicing agent, XXXX and its listing agent, XXXX XXXX XXXX XXXX XXXX utilized XXXX as an auction platform to sell to the public their bank owned property known as XXXX XXXX XXXX, XXXX XXXX. 
Approx XX/XX/XXXX, we were the winning bidders and signed a contract to purchase said home and property. 

We initially were going to attempt to finance said property, but it appeared the condition of the home may not be financeable, so we dropped the price dramatically on a property we had in XXXX so we could perform and close escrow in a timely fashion. 

I was emailing the servicing agent but they were not responding so I called them around XX/XX/XXXX to get pay off information as our closing date was to be XX/XX/XXXX. 

This was when the servicing agent informed us that the seller could not perform or close escrow as ( 1 )  they owed a $ XXXX lien/there was a $ XXXX cloud on title and ( 2 ) that foreclosure had been done incorrectly. 

Shortly thereafter, the servicing agent, XXXX XXXX informed us it might be very easy or take six months to remove the cloud/lien, so they extended closing pending finding out. 

We were initially told that the attorney had a solution, but then we were called by our real estate agent and told that the servicing agent and listing agent needed to conference with us. This was approx. XX/XX/XXXX. 

Finally, the listing agent and senior escrow agent for XXXX XXXX told us in a conference call that ( 1 ) the seller did not have the legal right to sell the house or enter into a contract to sell it, ( 2 ) the $ XXXX first mortgage was sold to another bank and was having it serviced by XXXX, and ( 3 ) XXXX was canceling its contract as the sellers agent. 

XXXX, the servicing agent, then brought their Ombudsman in to resolve or find us a replacement home, to which we have gotten absolutely no help at all and no advocacy. 

This house was to be for my son and his family who were moving back to XXXX from XXXX so my baby grandchildren would have a stable home. 

My son and his family were on their way to XXXX when we had the conference call and they had to live in a motel, extend the time on their moving truck. They have XXXX small children and two dogs, so it was a nightmare.
Product: Vehicle loan or lease

We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. 

XXXX XXXX VEHICLE ACCOUNT DETAILS XXXX Account number XXXX Vehicle ID number XXXX XXXX, XXXX Account opened This vehicle was XXXX XX/XX/XXXX I'm writing because I was forced to turn-in my vehicle in XX/XX/XXXX because of unemployment due to medical issues that forced me to collect on XXXX. I attempted to refinance the vehicle which had a remaining balance of {$38000.00} with other creditors and with GMFinancial so that I could possibly make payments once my XXXX was approved. They denied the request. The vehicle was originally priced at {$52000.00} in XX/XX/XXXX when I purchased it and the payments were {$990.00}. I voluntarily turned the vehicle back in for repossession because I was ill, stressed, and unable to continue the payments. I requested a hardship discharge of the balance once the vehicle was sold with a balance of {$15000.00} still due. When I logged into the account, I read the statement : We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. Therefore, I assumed that they approved the hardship discharge of the balance. However, they have now began reporting the account 35 negative delinquencies from XX/XX/XXXX - XXXX XX/XX/XXXX. How is it possible for them to report negative payments when they stated they were no longer collecting payments? They said I may make payments if I choose. I spoke with them last week and explained that I can't afford to pay the bill off. I'm on permanent XXXX and they said I was not required to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Services has pulled my credit without my written or verbal consent I do not have any active account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX  XXXX XXXX nor XXXX XXXX nor Atlantic Home Loans, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX yet all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to speak with XXXX representatives and they refused to remove all negative inquiries off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the Santander Consumer USA INC account violate this law. This letter is requesting the removal of all late payments on the following account immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Made payment of XXXX on XX/XX/XXXX on xe.com to transfer money to XXXX to my mom. XXXX XXXX XXXX Then they close my account and tell me the money would be returned to me within XXXX business days on XX/XX/XXXXXXXX XXXX XXXX XXXX Never got my money back after that, after reminding them many times on email and call. 


In the below screenshot, you will see name- CONTINENTAL XXXX deducting XXXX from my account, but never returned it. And this is full statement until XXXX XXXX. So no money until then. XXXX XXXX XXXX This one screenshot is just on that money deduction by xe - XXXX XXXX XXXX Who knows how many others they are duping like that?
Product: Credit card or prepaid card

My wife opened a Citi credit card in my name, without my knowledge, over 13 years ago - on XX/XX/XXXX - and I just found out about it 3 months ago. Since XX/XX/XXXX, I've been desperately trying to pay off the final amount I saw on XXXX XXXX  so that I can repair the damage my soon to be ex wife has done to my financial health. Citi has made it extremely hard for me to close the fraudulent account, and to even pay it off. My divorce lawyer instructed me to pay the minimum monthly amount on the Citi credit card ; fortunately, only a balance of {$370.00} was due when I discovered the card - so I thought it would be really simple to end this ridiculous situation and just pay Citi. Citi has made it almost impossible for me to close the account and finally pay off the card. I've contacted multiple offices at Citi ; I've sent multiple letters and so many phone calls I lost count. I reached the most recent individual, and he said just send them a check if they won't send you a formal statement and acknowledge that it's you and that you are trying to pay this off. So I sent a check - for {$5.00} that they charged me in addition to the {$370.00} - I just wanted it over with. Well today - XX/XX/XXXX, three months after I first contacted Citi and tried to resolve this - my check and letter has been returned to me. I am sick to death of Citi continuing to victimize me. They allowed my wife to open the card fraudulently in my name way back in XX/XX/XXXX, without my knowledge, and have let it stay open, and let her continue to charge on it for over 13 years! I've explained the situation to them multiple times - they keep asking me to verify security questions to make sure it's me, and I keep telling them I never opened the card so I don't know the questions she made up! And around and around it goes. They said they'd send me a letter with a confirmation code I could call them to verify it was me, and then pay the card off and close the account. The letter never came.
Product: Debt collection

XXXX with Diatech (? ) keeps calling me about a debt which I believe is owed by the previous owner of my phone number, XXXX XXXX. The most recent call I received was at approximately XXXX XXXX, today, XXXX XXXX, 2017.
Product: Debt collection

I don't owe anything to ERC with account number XXXX. They should have confirmed this from the Original Creditor ( XXXX XXXX  ) since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXl [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Request for Assistance in Enforcing Identity Theft Reimbursement from Experian Credit Bureau Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in enforcing my claim for identity theft reimbursement from Experian Credit Bureau. I believe I have been a victim of a severe case of identity fraud that has caused significant financial and emotional distress, and I am seeking reimbursement in the amount of {$500000.00} to address the damages incurred. 

I have been a diligent consumer, actively monitoring my credit profile to ensure the security of my personal and financial information. However, despite my best efforts, I recently discovered that my account has been compromised by fraudsters who conducted unauthorized transactions and activities, resulting in substantial financial losses. 

I have diligently followed the procedures outlined by Experian Credit Bureau for reporting the identity theft and have submitted all necessary documentation and evidence to support my claim. However, I have encountered challenges in receiving a timely and adequate response from Experian regarding the reimbursement of the damages suffered. 

Given the magnitude of the financial losses and the distress this incident has caused, I am turning to the Consumer Financial Protection Bureau to request your intervention and assistance. I kindly ask that you use your authority and influence to ensure that Experian Credit Bureau thoroughly investigates my case and provides me with the appropriate reimbursement of {$500000.00}, as I believe this is a fair and just compensation for the damages I have incurred. 

I have enclosed copies of the documentation I have submitted to Experian as evidence of the identity theft and the financial losses I have experienced. I trust that your expertise and commitment to consumer protection will help expedite the resolution of this matter and bring a swift and satisfactory conclusion to my claim. 

Thank you for your attention to this urgent matter. I eagerly anticipate your intervention and any support you can provide in enforcing my claim for reimbursement. Please feel free to contact me via email or phone if you require any additional information or details. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment.

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Product: Mortgage

WELLS FARGO HOME MORTGAGE 1. I mailed letter to WELLS FARGO HOME MORTGAGE asking them to apply any escrow overages to the escrow account, request denied, they mailed a check to me and increased my total house payment, I mailed the check back to them ask that it be applied to escrow, and reduce my payment back to the original amount, they would not 2 Once again I had a overage in escrow, ask again that it be applied to escrow, once again Wells Fargo Home Mortgage mail a check to me and increased my house payment. 
I mailed the escrow check to them and ask that it be applied to escrow and reduce my house payment back to the original amount, they would not This has happened over and over, I hope you will put an end to this unethical/unlawful business practice from WELLS FARGO HOME MORTGAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Someone used my information to open an account with Citibank XXXX XXXX. I was alerted to an inquiry by XXXX on XX/XX/ after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXXI recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX  Including one fromXX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/ Received notification from XXXX  that they verified the account as mine and the dispute is closed. 

XX/XX/ XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXXWas transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.