23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector contacted me on XX/XX/23 via text without any prior notice or consent. Again contacted me via text on XX/XX/23. I replied it is not my debt and has already been disputed with the credit bureaus. They continued to text me and tell me the debt was mine and I legally owed that money. I again told them the debt was not mine. They again proceeded to tell me the debt was mine and I needed to pay it. I replied again stating the debt was not ming and to cease further contact. They didn't even have an opt out option on any of their text, which they are legally required to do. They then proceeded to tell me if I wanted to opt out, I needed to mail a cease and desist letter to the address given. That is not what the law states. Then sent another text saying have a good day. I sent stipulations of the law and told them " I told you it was disputed and the debt is not mine. Please cease and desist all calls, texts, emails, mail, and contact with me immediately. If you even reply to this text, I will assert my legal civil rights. '' They sent another text stating again that if I do not wish to be contacted about a debt I legally owe, to send my cease and desist to the address given.
Product: Debt collection

There was a wrongful use of my checking account from First Hawaiian Bank. I asked help from the Bank that it was not me who purchased it. Staff from the bank said they will do a dispute and I dont have to do anything. Dispute came back and said I authorized the transaction. They closed my checking account. Few months came I received a notice about a debt in collection from XXXX XXXX XXXX that I owe {$590.00}. 

The original transaction from First Hawaiian Bank was {$530.00}. I did not receive a notice from FHB that about the {$530.00} and this was sent directly to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX BRITTANYPL XXXX XXXX XXXX, NC XXXX ; XXXX XXXX PL XXXX XXXX XXXX, XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

This company used abusive language on the phone with me. The collection accountant refused to provide employee identification, refused to allow me to speak with a supervisor, refused to provide his last name, and stated, stop playing the victim I am getting really sick of it, as well as I am not your counselor or your therapist and When I told him that he was verbally abusing and threatening me He laughed into the phone and stated he didnt care and that there was nothing I could do about it. This is the fifth person I have spoken to at XXXX who acts completely inappropriate refuses to transfer the call to a supervisor or provide information about the debt. When requesting information on the debt they say that I have to request it in writing which I have done twice and when I tell them that they say try again maybe the third times a charm. I have never been provided proof of the debt, I have never been provided signed Paperwork of the debt, etc. Lastly, we had a payment plan set up but due to the high amount we had to cancel it, now when requesting a payment plan they say that they dont offer payment plans, but then Mr. XXXX blackmailed us stating if we gave them 10 % or {$1100.00} we could get a payment plan going. The last person I spoke to you XXXX Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments in t Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments and tone and my mortgage loan officer was three way called in and was witness to the inappropriate behavior.
Product: Debt collection

I recently submitted a complaint number XXXX and medical data system did not validate the debt it clearly stated in the complaint '' I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification '' and they sent a bill which is not debt validation and they did not provide a contract i have with their company. ( letter they provided from the above complaint ). The letter do not have medical data system listed any where which mean i am not in contract with them. It is laws in place to protect the consumer against fraudulent companies like medical data systems and I filed a ucc11 and I have no liens placed against my name from them. They is unlawful trying to collect from me. They also stated they sent letter and I had 30 days to respond if that is so then provide the tracking number for the letter sent to me. I do not owe this company and I hope the CFPB and they FTC fine them for not providing validation.They stated they do not own the account and they do not own the debt well they are committing fraud because they should not hold my name. ssn. address in thier database and they are a lie because it clearly says they attempted to collect a debt and you can not say that if the debt don't belong to you. What did medical data loan me of value? nothing, and they need to delete this inaccurate information off my credit report
Product: Mortgage

In response to an earlier answer from Wells Fargo. Wells Fargo used dual tracking a clear violation of regulation Z and CFPB servicing rules. 
1. Foreclosure judgment filed in XX/XX/XXXX while I was attempting to modify the loan. 
2. After they filed a judghement in XX/XX/XXXX - Wells Fargo sent me correspondence to modify the loan in XX/XX/XXXX. In XXXX XXXX, XXXX, I received documentation from Wells that they were missing documents. All documents were resent in XX/XX/XXXX and the loan was modified in XXXX XXXX. But in XX/XX/XXXX while I was on a modified loan, wells fargo chose to change the locks to my home and discard of all my personal belongings absent a court order to do so. When I contacted wells fargo they told me the house was foreclosed on in XX/XX/XXXX, I asked under what grounds, they did n't have an answer. Their atty .filed for bankruptcy as a result of fraud. We were defrauded by Wells Fargo and they have to pay me damages for their deceptive and fraudulent actions. They deserve to be shut down. I have gone through several years of mental anguish because of them. 
Under the servicing guidelines they violated every rule. 
The rule restricts " dual tracking, '' where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 
I require full compensation, I will notify every news channel and federal court regarding Wells Fargo Actions. I have already notified the office of atty general.
Product: Debt collection

I am a XXXX Recipient for XXXX- they trying to charge me for services not covered by XXXX- and I received an email from XXXX stating that I do not have to pay for it as I am a XXXX  recipient. 

The service date was XX/XX/2017. 

My account number with XXXX XXXX XXXX  XXXX is- XXXX My account number with Harvard Collections is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

an unkown company named " credit tech '' shows as hard inquiry i do not recognize or ever authorized this company to run or report on my credit. Id like for this to be removed since is hurting my credit without my consent.
Product: Debt collection

The past few months I have been trying to apply for new credit cards as well as a car loan, I have also had some accounts closed for no reason at all... When I went on my credit report to see what was going on I saw that this company AFNI , Inc has reported on my credit that my account with them has been open since XX/XX/XXXX basically it appears on my credit that I RECENTLY opened this account, and defaulted on it in 4 months which is totally false... not only is it completely false but also a huge red flag to all lenders hence the reason nobody is extending credit to me and a few of my accounts were closed due to this... I have worked tirelessly on rebuilding my credit just for it to be snatched away from me... 

The Original Creditor of this account is XXXX XXXX XXXX. This account was opened in XXXX NOT XXXX and I had the account open for about a year before I fell on hard times and defaulted on it. This error has resulted in significant financial loss for me Tip : I have actually made a dispute on the CFPB Website towards XXXX XXXX ( which is the original creditor ) a few years ago. You can clearly see the date on that dispute is far before XXXX
Product: Debt collection

I received a phone call around XXXX XXXX  a couple of months ago regarding my ex-husband 's wife 's mortgage account with Carrington Mortgage. Informed the company of the situation and they said they would take my name and number off the list. Called Carrington Mortgage the next day and they said that I would have to talk to my ex-husband to have my phone number removed. Spoke to a supervisor and a very heated discussion and informed him that I had been divorced for 17 years and did not sign any paperwork on this mortgage and finally he agreed to remove my information. Last night XX/XX/2018 at XXXX received another call asking for her and informed them of the same information and the person hung up on me. Contacted my ex-husband and told him this need to stop and he said he would contact them on XX/XX/2018. He is not sure how they are getting my contact information. If you call the number back that is contacting me, it says that there is an account associated with my phone number and to enter the last four of the social security number. This is a mortgage on her family home that they purchased from her parents after they were married. I have nothing to do with this mortgage or signed any papers.
Product: Vehicle loan or lease

When we bought the truck, we were told we were paying $ XXXX. But when we looked into, it looks like we are paying over {$30000.00}. Not what we agreed. And the payments are astronomical. Almost {$600.00}... please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached the Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : XXXX   XXXX, ACC # XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$590.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

My rights has been violated actto the FCRA. 
I have disputed this account several times with the credit bureau so here is my identity theft report please have this account removed its called XXXX XXXX XXXX 15 U.S.C 1681G Law Violation
Product: Mortgage

Step 1 : What is this complaint about? 
Flag Star refuses to remove a late payment remark on my credit report after several attempts of contacting them explaining my medical situation.

Step 2 : What type of problem are you having? 

Late payment removal Step 3 : What happened? 
I have 1 late payment on my Flag Star mortgage account. The payment was due XX/XX/XXXX and the payment was received by Flag Star on XX/XX/XXXX. My reason for being late was because I was XXXX XXXX  for over 30 days receiving treatment and was physically unable to make a payment. I did make the payment as soon as I was discharged. I do not have any late payments or remarks on my credit report until this one, and it is drastically effecting my score. I reached out to them several times and they respond with the same answer every time. " We have no reason to change the report status ''. I have submitted all the documents and files I can find to support my claim and they still have not decided to keep the late payment on my credit report. I have enough issues with medical bills and now I have to deal with high interest rates for the next 7 years. I signed up for automatic payments so in the future I wont miss any payments XXXX forbid. I faxed, emailed, called and sent a letter to them. 

Step 4 : What company is this complaint about? 
Flag Star Bank Step 5 : Who are the people involved? 

Flag Star Staff The payment amount is for {$1500.00} I think considering I was XXXX XXXX   during COVID-19 and XXXX  and I obviously had no control over these circumstances, I should be excused of this late payment.
Product: Mortgage

Reaching out regarding our property at XXXX. We were contacted through mail to procure flood Insurance from Lakeview. We were out of town due to the Hurricane that impacted our home. Once we were home and received the letter we were 30 days out from the time we needed flood insurance. We procured flood insurance as fast as we possibly could and found that it takes 30 days to kick in since its a flood policy. This is standard for any flood policy. It is impossible for us to get coverage before the 45 days. 

My concern is the following - Our home is not in a flood zone. We had to pay {$1000.00} for a surveyor to come out and prove that it is not. They have proven this, now they have to go to FEMA to get the official XXXX. This is standard and take 90-120 days. Again impossible for us to provide in 45 days. Now I have to pay more right after paying {$8000.00} in repairs to our home from a hurricane. 
- I opened a flood policy for {$900.00} to simply appease the ridiculous request to get flood insurance. Now Lakeview ha
s told me that they purchased one that starts XX/XX/23 for {$3600.00}. The one we bought doesnt kick in until XXXX because of course this is standard and takes 30 days to kick in. 
- When I contact Lakeview to explain how ridiculous this situation is all they can say is there is nothing they can do because it is what the system does. 

In summary, this home does not need flood insurance it is not in a flood zone. I understand you have to follow a ridiculous law that is unfair to the homeowner and provide a LOMA which is what we are doing and we procured insurance in the meantime. I have paid enough! All I ask is for Lakeview to not pull an additional policy that goes in effect XX/XX/23 for me to pay as well. This is absolutely insane, and taking advantage of home owners who can not afford to willing throw XXXX out the window for absolutely nothing because again we are not in a flood zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
Product: Debt collection

Hi, I am currently working on my credit report. At first I noticed system 's collecting for XXXX XXXX XXXX on my report. I was not aware of any such account. I asked for more information and disputed the account. It was not investigated. Decided to research the only account I've had with XXXX XXXX XXXX and soon realized it was an old XXXX from XX/XX/XXXX. That account was closed was to be cutoffXX/XX/XXXX when I purchased my new home. We bought a XXXX. They were suppose to send boxes for Equipment before we moved but NEVER did. I spoke to them several times. I recall this very well. We brought equipment to our new home, XXXX was sending boxes AGAIN. This time, they were sent to old Addr. I wasted more time tracking boxes only to find them wet outside old rental property. I asked them where to drop equipment? I was instructed to drop off in XXXX, Tx, That is what did. They apologized, said : " I would be issued credits. '' PAID {$95.00} and closed this account. I DO NOT OWE this debt and it is marked " D '' on my credit report. I am a single mom working very hard to be a good example. Please look into this. 

Thank you for all your time. 

SB
Product: Mortgage

Shellpoint Mortgage is missing XXXX payments from XX/XX/XXXX and preventing me from refinancing from 6.25 to 3.33 percent. I have been trying to get them to look at my account since they took over the servicing in XX/XX/XXXX and correct my account as they have been sending me notice of defaults since XX/XX/XXXX. I have proof of when my payments were sent, cashed and applied ( or in this case not applied ) and have sent them letters asking them to correct my account. I am now getting phone calls from Shellpoint asking if I would like to make additional payments to them to get my account current. No one will return my phone calls or respond to my emails or letters asking them to correct my information. I am attaching some of the correspondence so you can see how often I have been trying to get a hold of someone at Shellpoint.
Product: Payday loan, title loan, or personal loan

Was told my payments would be XXXX but the withdrawal was XXXX, and if i had known i was being lied to i wouldnt have went through with it
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I checked on my XXXX credit report and account breakdown on XXXX and it shows I have 6 hard inquiries, 3 of them that come from the same product ( car lease ). 2 of them are from GM Financial ( made with 3 days of difference ) and the 3rd one comes from XXXX XXXX XXXX the dealer from which I leased my current car ). 

I'm kindly asking for them to reconsider these hard inquiries since 2 of them were done on the same day ( XX/XX/XXXX ) and then on the XXXX they made another one. In the end I got my car lease approved, but I think it should only take 1 hard inquiry for that, not 3. Therefore, I consider it unfair to have 2 additional inquiries on something I actually ended up getting approved.
Product: Debt collection

I received a 1099-c from chase bank stating I had a freedom credit card from XXXX to XXXX. I called and reported the situation as fraud and would like it investigated. After a month they said it was my account. I then ask them to send me all information about the card ( number and billing details ) they sent me the information. I believe my debit card ( possibly XXXX XXXX XXXX XXXX at the time was compromised ) somehow my debit activities were linked to a chase freedom card. I called some of the businesses on the report, XXXX and XXXX and they have no records of that card during the time period. There are multiple companies I have to backtrack to find more information. I believe chase has not done enough to prove fraud.
Product: Credit card or prepaid card

WellsFargo charged me interest on a balance already paid XX/XX/23 XX/XX/23 INTEREST CHARGE ON PURCHASES {$210.00} XX/XX/23 XX/XX/23 PAYMENT - THANK YOU # XXXX + {$11000.00} The account balance was paid down below XXXX $ but as you can see here I was charged interest 4 days after the balance was paid.