23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company did NOT follow the required steps of notifying me of the debt. I disputed the account due to this reason requesting removal of the account with XXXX, However, the creditor did not complete the request. The account was reported opened in XXXX but not reported as a collection until XXXX to the credit bureau. This is another credit violation. I should have been notified in XXXX! 
They did not send a email, call me via phone or send a letter via mail! I was not aware of this debt collector until I checked my credit reports!! According to the FCRA There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable I never received a validation notice, which means that they did not satisfy their requirement to contact me or have the right to begin reporting the debt to the credit reports!! According to the FCRA it is a credit violation to report a collections account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! I was never provided the opportunity to dispute this debt. I was not aware of this collection until it reported on my credit report recently.
Product: Payday loan, title loan, or personal loan

I took out a personal loan from Wells Fargo, first payments stated XXXX. XXXX is the amount. They wanted me to set this up on auto payments. I would go in every month and put another payment down on top of this minimum auto payment. Problems so far... It started to seem that my min payment was not being made. Every time I went in I made sure it was all set up for auto payment and that they were being made. The tellers EVERYTIME would tell me yes, they are all set up and working. Finally a teller suggested I make the second payment on top of the min payment " principal only '' payments, that would help me pay off loan faster. Started to do that. WF then said on XXXX XXXX ( when I started to do it this way ) they said after careful review, we can confirm the principal only payment option was removed from all channels??? THEN... a few months later, another teller was trying to help me, she pointed out that you can ONLY make overpayments the ONLY DAY THE AUTO PAYMENT GOES THROUGH! So In good faith, I started to put XXXX on top of the minimum payment of XXXX. In all I was giving WF XXXX a month... HERE IS THE A BIG PROBLEM... since I was putting down more than minimum, they were DIFFERING the auto payment to the next month. So not acknowledging the min payment. Then taking interest out of the extra payment amount!! OVERALL... by not acknowledging the min payment that added up to be and was XXXX NOT PUT TOWARDS MY LOAN per year!! By rights I should have this loan almost paid off by now!! I just noticed they get XXXX PER YEAR INTEREST FROM ME. Now I know that banks are in business to make money. But this??? I am in good faith trying to pay off my loan as fast as I can. That only seems logical?? So far, I have a case number with WFXXXX. Now I am sure with all their lawyers and being a huge company, they are all in the legal here... BUT the way they are going around and setting up all these road blocks trying to slow me down in paying off the loan is pretty despicable????? Hopefully by issuing a complaint others will see and be alerted to these shenanigans being pulled by WF. Thank you for taking time out on this matter.
Product: Vehicle loan or lease

I am filing a complaint about the bad business practices and inaccurate reporting from freeway funding. Living in a FEMA state of emergency in the XXXX zone due to fires. This company is known for despite repossession not honoring customers who then pay all past due and fines to get their vehicle back and freeway funding not giving it to them. 
They have even several complaints from XXXX  which talk about even if you pay they will not return the vehicle and not communicate with them. Failure to communicate about files and how to resolve and missing documents as well. I am providing two ways they were reporting on my credit report with false dates and numbers all over the place. So I want my entire file up to my last payment, including all communication with them that should have been noted as they advised during our conversations. If they can not provide this crucial information as it damages my creditworthiness and has prevented me to acquire credit based on false and inaccurate reporting it should be deleted immediately. Freeway Funding has proved they do not follow the laws in order to protect the consumer resulting in damaging their credit profile. I want them to supply proof then I will counter them with the proof that I have in order to prevent them to adding any false adjustments to my file in order to correct their reporting mistakes. I want them to provide CFPB information or email it to me. Do not mail me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to unfreeze my credit report several times. I have reset my log in, sent in proof of identity, and called technical support But I have not been able to access my credit report, credit score, or the ability to unfreeze it.
Product: Vehicle loan or lease

Prestige Financial is contacting me and harassing me many times a day. They use threatening language and scare tactics even though I have asked them to stop threatening me. I have asked multiple times to change the payment due date by 15 days so I can make the payment every month on time, yet they refuse to help in any way. The payment is nearly {$730.00} a month and it is incredibly difficult to make yet we havent missed a payment. Currently we are 15 days late and they will not stop threatening and harassing me. I feel powerless bullied and frustrated. I have told them 6 times through email text and phone calls that I could pay tomorrow ( 15 days late ) yet the still bombard me with their threats. No one should be treated the way they are treating me and I am hoping you can help me with their terrible behavior. Their debt collection behavior is wrong and needs stopped immediately.
Product: Credit reporting or other personal consumer reports

As of XXXX Ive called a point of contact name XXXX XXXX XXXX she states that in order to save my home i must send her {$4300.00} then pay the mortgage {$320.00} x 's 3 times in one month each month equal up to {$900.00} and some change each and every month for 12 months.

Ive never heard of such repayment plan when you have valid proof of a Class Action Lawsuit FOR MISSING PAYMENTS AND SHELLPOINT REFUSED TO TAKE ANY PAYMENTS WHILE FIXING THE PREVIOUS ISSUE OF MISSING PAYMENTS.

I FEEL LIKE ITS MORTGAGE EXTORTION, MORTGAGE LOAN FRAUD.
Product: Credit card

XXXX ( Comenity Bank ) continues to charge me finance charges on late charges. I have paid off this debt several times yet they continued to charge finance charges. At one point I owed approximately {$1.00} - yes XXXXXXXX XXXX and they then charged me {$41.00} on the {$1.00}. When I called they refused to correct the balance, accept my payment of {$1.00}, and continued to charge finance charges. The balance is now almost {$300.00}. I have lost track of how many times I have called them. I have filed disputes with the credit bureaus to which they reply this is accurate and sent several letters to the home office and address on the statement. This is not being resolved. Complaints have been filed with the XXXX also to no avail. If anything, their harassment has increased. I have 33 blocked numbers from them not to mention the unknown callers. They call up to 6 times per day, leaving threatening messages. Their representatives are rude, derogatory, and extremely unprofessional. At one point a representative stated good luck with that and laughed and hung up. This can not be the first or even 100th complaint you have received on this company. I deeply regret ever using XXXX and only did so because of XXXX. This is basically legalized loan sharking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 16  I logged into m y Wells Fargo Home Mortgage  account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and  XXXX   XXXX  I noticed at the beginning of  XXXX   Wells Fargo star ted reporting to the credit bureaus that my payment was delinquent. I immediately called  Wells Fargo to  determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. Howev er, Wells Fargo will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint t o Wells Fargo and it went denied. I believe Wells Fargo is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a Wells Fargo customer for o ver 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXL Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX CREDIT/JONES XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX ACCEPT Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX Mortgage Companies XX/XX/2020 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Back in XXXX I had to get a new business account due to fraud alerts. That business account was the account I used to pay my cards with. I had auto payments set up to pay my cards but since I had to open a completely new account that changed everything. 

When I was with the banker he said that everything would go back to normal and I didn't have access to my account for 2-3 days. To keep the story short, I was never notified about the late payment or that I even had a late payment due. 

The other story was with US.bank with a car loan. I called in and declared them to send me the payoff of the vehicle. I sent them the amount that they told me over the phone and apparently it wasn't enough to cover everything. I was short {$110.00} on a {$270000.00} payment.
Product: Credit card

I paid my bill in full ( {$63.00} ) on XX/XX/2023 and the payment was accepted and deposited by the company on that date. I have documentation to support this fact. The company has not credited my account with this payment and has been charging me late fees and interest instead. Several times, I have called the company, but they are " reviewing the case. '' In the meantime, they are sending me intimidating emails and demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX Company Inquiries : 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

I've recently checked my credit report and noticed these unauthorized inquiries. As well as inaccurate addresses that never belonged to me. 

Inquiry Date : XXXX XXXX Company Name : XXXXXXXX XXXX XXXXXXXX CREDIT Inquiry Purpose : Unauthorized Inquiry Inquiry Date : XX/XX/2023 Company Name : XXXX XXXX XXXX XXXX XXXX Inquiry Purpose : Unauthorized Inquiry Inquiry Date : XXXX XXXX Company Name : XXXX  XXXX Inquiry Purpose : Unauthorized Inquiry Inquiry Date : XX/XX/2023 Company Name : XXXX XXXX XXXX XXXX Purpose : Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX I have never lived at this address or ever been associated with it, please delete immediately** XXXX XXXX XXXX XXXX, TX XXXX ** I have never lived at this address or ever been associated with it, please delete immediately** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at this address or ever been associated with it, please delete XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at this address or ever been associated with it, please delete immediately**
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. Equifax and XXXX keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.
Product: Debt collection

I have been getting harassing phone calls from XXXX one minute they say I owe this amount then they call with other saying iam going to be contacted by a law firm which will be taking legal action they are harassing with all kinds of number please help
Product: Debt collection

Calls multiple times a day, never leaves a message, never names who they are looking for or what the debt is. Refuses to mail me proof a debt is owed, ( I have nothing in collections. ) Really just needs to stop. If something is in collections is owed, report it, and mail proof, not call XXXX.
Product: Credit card or prepaid card

Beginning on Tuesday, XX/XX/XXXX, the Customer Service team from XXXX XXXX XXXX has called me every day leaving a pre-recorded message that I need to call them. When I call, there is no issue -- no late payment, nothing needed. They advise me of same and we end the call. The next day, I receive the same call again. 
I called them yesterday to make a complaint and to advise that I would be filing a complaint against them with this agency if I received another call from them. 
They called me again this morning. This is harassment.
Product: Credit reporting or other personal consumer reports

I have reported this before on my Equifax and the companies. I " am now reporting again as the information has not been removed. I submitted a identity theft report and it seems as if its not being taken serious as these inquiries are not mine. I will be seeking damages for each violation if they are not removed within 72 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted multiple disputes and a CFBP report over the past XXXX  days to get you to investigate the inaccurate items on my credit report, Please get back to me, Please. 

I've attched my disputes to this emails
Product: Checking or savings account

In an earlier complaint with CFPB I requested that Wells Fargo inform me of who has the money that was fraudulently taken out of my account as of the date of my complaint. They did not answer my complaint. They told me who they sent it to. They sent it to a third party attorney that works for them. I then sent the below email : From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX, XXXX ( XXXX ) XXXX Subject : Request dated XX/XX/2020 re : XXXX XXXX Account Number ending in XXXX Hello XXXX, I understand that Wells Fargo mailed the {$39000.00} from my account to XXXX and XXXX on XX/XX/2020 . 
I would like to request that you contact XXXX and XXXX and request if they still have the {$39000.00}. If they do not still have the money, who was it provided to. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX P.S. If I do not receive an answer by the end of the day, I will contact the Consumer Finance Protection Bureau for help. Thank you very much, XXXX XXXX
Product: Credit card

I found XXXX unauthorized charges of {$17.00} on my Amex card for premium car rental insurance. I called to get refund and was told that on XXXX/XXXX/15 I had " enrolled '' in the premium insurance by phone ( which I do not recall doing ). I was told I could not get refund because I had in fact rented the XXXX cars. I asked for documentation of my enrollment. The agent then went away for a few minutes, came back and said my enrollment " was a mistake '' and he would cancel the program and refund the XXXX charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a written dispute twice to all 3 bureaus in regard to an account that was disputed first with the original creditor and taken care .... ( agreement to remove ). If the original creditor has agreed over 7 months ago to remove why is it still on my report? Also, the original creditor no longer replies or answers my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In connection with the collection account with citibank XXXX In pursuant to 15 USC 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or. I did not give any permission to pull any information from my report specifically because my ssn should be excluded from my consumer report and this account is a credit card account. In pursuant to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 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. I consider this information that was reported as identity theft. I demand a deletion of this account effective immediately. If the account is not removed from my consumer report I will take this to a federal matter.
Product: Mortgage

We sold our home and paid off our mortgage to Dovenmuehle on XX/XX/2020. We have about {$16000.00} in an escrow account with Dovenmuehle that we have been unable to collect. We have tried numerous times, at least a dozen, to call and request a check be sent, and have been told on a few occasions that one had been sent, or would be sent in the next few days, but we have never seen a check, and they have never provided any evidence that one has gone out. They keep us on hold for long periods of time, disconnect our calls, and give us different information about then status of our funds on different calls. In a few days it will have been 4 months since we paid off our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX. XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX  Equifax:XXXX XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX , XXXX Equifax : XXXX  XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax:XXXX XXXX : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX credit card through Synchrony Bank and I paid off my balance on XX/XX/2017. I have not used my credit card since. they closed my card, not because I have not done business with them since XXXX. They reported this to the credit bureau and it caused a negative effect on my credit score. I refuse to be bullied into staying in debt.
Product: Credit card

I have had trouble with my Sams Club Mastercard, through Synchrony Bank, since Sams Club switched to it XX/XX/XXXX. I have used it at my local Walmart XX/XX/XXXX, and it was denied, I have tried using it when I traveled for work XX/XX/XXXX in XXXX it was denied, even though I contacted them through email to notify them of my travels. 

I filed a complaint with your office XX/XX/XXXX. 
I used it in XX/XX/XXXX, on a trip to Florida, after having notified them of my travels. I used it in a grocery store and was told of " suspicious '' activity, and they froze my account. 

This was the last straw, and I decided to not use this card anymore. 

As of XX/XX/XXXX my current " reward balance '' is {$240.00}. This amount should have been mailed to me by XX/XX/XXXX ... .I have not received it. 

This morning I talked to XXXX ( last name unknown ), from Synchrony Bank and tried to find out why I have n't received my money. He pretty much gave me the run around. I just would like to receive my {$240.00} and be done with this company. 

This company has been a thorn in my side, and I think their service is deplorable! 

I would appreciate any help in this matter that you could give me. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with XXXX, XXXX and Experian. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.