23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted yesterday ( XX/XX/XXXX ) by XXXX XXXX XXXX  from phone number XXXX. I did not answer my phone and a voice mail was left. It was a prerecorded message stating it was XXXX XXXX XXXX  calling about a personal matter for XXXX XXXX ( me ) I needed to return their phone call or have my attorney contact them immediately at phone number XXXX. I called the number back and a Mr. XXXX XXXX answered the phone. He already knew who I was based on my phone number ( so he stated ). He asked if I was XXXX XXXX and I stated yes. He stated he was calling about an XXXX online payday loan I had taken out in XXXX and my case was currently in the legal processing department where they were getting ready to file a legal judgement against me for none payment. He asked if I had taken out the loan, and I responded I have no idea it was 4 years ago, but I do not recall ever taken out an online payday loan. He then proceeded to tell me I had 90 days to bring the account current or I would face legal action. I told him I was driving and could not provide my account infromation. I would have to call him when I got settled. He aggreed and said this was fine. I then began to research the phone numbers and found other complaints online about phone # XXXX. I then began to research the company XXXX. I found it was owned and opperated out of Texas by a parent copany named EZCOPR whom the CFpB had taken action against in XXXX and the company was ordered to repay thouasnds of consumers and stop any and all colleciton activity including 3rd pary debt collection. I then began to research the collection company XXXX XXXX XXXX and the only company I was able to find being " dept collector '' was XXXX XXXX XXXX out of XXXX, MO. I contacted the company using the number listed ( XXXX ). I spoke to a man claiming to be the owner XXXX XXXX XXXX. The individual stated he had recieved several calls over the past month from individuals who had been contacted by XXXX XXXX of XXXX XXXX XXXX and he had no one working there by that name. He stated he even recived a letter from the Missouri Attorney General about unfair debt practices. He stated he runs a repo company and that is the only debt collection he condcuts. He appoligized to me. 

Over the course of the night I recived robo calls from XXXX XXXX XXXX from the following numbers leaving voice mails from either XXXX XXXX or the automated system stating they needed to discuss an important matter with me. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 5 INQUIRES ARE UNATHORIZED. PLESE REMOVE ALL LISTED INQUIRES FROM CREDIT REPORT..
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My wife and I filed initially a Chapter XXXX bankruptcy on XXXX, XXXX XXXX. XXXX, XXXX XXXX of Florida. We then converted to a Chapter XXXX. Discharged was received on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the case was closed by the Court. At the time we filed we held a first mortgage on our Florida homestead with Wells Fargo Home Mortgage. We were current before we filed, on the day we filed, during the pendency of the bankruptcy and today, over 7 years later from when we filed. On XXXX XXXX, XXXX, Wells Fargo hired Florida XXXX to file a claim in bankruptcy court, see attached Exhibit A. The same law firm that was discredited for robo signing, mortgage fraud and so on. Then on XXXX XXXX, XXXX, Florida XXXX XXXX XXXX, XXXX files an amended claim to include arrearage of {$700.00}, not for the mortgage but for their attorneys fees, see attached Exhibit B and justified by their Objection to Confirmation, see attached Exhbit C. Again we have been current and continued to pay them during the pendency of our bankruptcy. This is a complete JUNK FEE. Without advance notice or explanation, Wells Fargo on our XXXX/XXXX/XXXX statement included an unpaid advance balance totaling {$690.00}, see attached Exhibit D. For almost 5 years this fee remained on our account, unpaid until suddenly on our XXXX/XXXX/XXXX statement it showed that {$360.00} was paid, see attached Exhibit E. Apparently what triggered the payment was that we requested to increase our mortgage payments giving Wells Fargo the opportunity to steal our money. On XXXX/XXXX/XXXX, I sent an email for clarification of this payment, see attached Exhbit F. Wells Fargo emailed acknowledgement of having received the email in numerous emails and a letter from a XXXX XXXX, Senior Vice President of Wells Fargo Home Lending. In the letter she writes, " We expect to complete our research and provide you with the results on or before XXXX/XXXX/XXXX. '' See attached compososite Exhbit G. It is now XXXX/XXXX/XXXX and we are being ignored. Apparently the letter signed by XXXX XXXX is what most Wells Fargo customers receive but no research or inquiry is ever started or completed. It is a ruse to quiet their customers according to the thousands of complaints I read online. 
We would appreciate your help in getting our money back and/or reversing the unpaid advance balance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I had charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled in insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Debt collection

This company has sent me numerous amount of harassing emails monthly. Ive never received any notices in the email regarding this alleged fraudulent debt. I just keep getting annoying emails from this company asking me for money. Section 1006.6 ( b ) ( 1 ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media and in violation of 15 U.S. Code 1692c - Communication in connection with debt collection. I never got any notices that validates this debt with my signature listed anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a XXXX  in XXXX of 2021 and have since obtained multiple lines of credit that haven't hit my XXXX XXXX  XXXX and XXXX credit reports yet. As part of my plan to grow business credit I submitted a XXXX  application to Staples for XXXX  credit, not personal credit. Instead of checking my XXXX credit, which I did not authorize, they hard pulled by personal credit.
Product: Student loan

Took a loan with Sallie Mae. Paid the loan off over 15 years ago then they transitioned to Navient. Now I have a lawyer 's office contacting me telling me I owe over {$4000.00} on a paid off loan. I do not have the proof of the payments as it was more than 15 years ago.
Product: Mortgage

As part of a home loan refinance closing in early XXXX, the closing agency sent a payment amount of {$140000.00} to XXXX as a payoff for student loans. This payment included an overpayment of {$390.00} that was returned to the closing agency in XXXX. On XX/XX/XXXX, I reached out XXXX XXXX XXXX and Fidelity National Financial to clarify the payment amounts and confirm that the overpayment should be sent to me. On XX/XX/XXXX, I was told that this overage amount would be refunded to me " via XXXX tomorrow. '' On XX/XX/XXXX, I contacted XXXX XXXX  and Fidelity National Financial as these funds still hadn't been received and I was told that the funds had been sent and they were trying to locate a tracking number. No tracking information was ever given. On XX/XX/XXXX, I spoke with Fidelity National Financial and was told that the initial check would be cancelled and a new payment would be issued, and I was given a tracking number with an estimated delivery date of XXXX XXXX. On XX/XX/XXXX, the check hadn't arrived, and I contacted Fidelity National Financial to ask how they would like to proceed, but have yet to receive a response. As of XX/XX/XXXX, this still overage check still hasn't been received.
Product: Mortgage

The bank that holds the mortgage for my house is charging me litigation fees of {$1100.00}. I have never missed a payment and I have never been late with a payment. I called Bank of America several times and requested to find out when the fees where incurred and which litigation they pertain to. They have not provided me with any information whatsoever about these fraudulent fees.
Product: Checking or savings account

So I was in XXXX at a club celebrating my XXXX XXXX subscribers and my birthday and a fight broke out in the club which made my purse get knocked over which made my phone slide on the ground, somebody stole my phone and made purchases on my XXXX XXXX ( debit card ) I called Wells Fargo and disputed the chargers they made on my account from my XXXX XXXX XXXX  ( stolen phone ) remind you my phone was my backup phone so its not turned on so its connected to my XXXX XXXX which I can received texts/calls from both phones, so any ways they denied my claim because they stated they needed prof because they only see one number connected to the account which is my XXXX, so they took it upon themselves to judge I never had more then 1 phone n I made the transactions, my XXXX XXXX is now XXXX and my bank is now XXXX because of reversal! Which was my car note money I have to pay asap, I called them and they told me send them proof from XXXX that I had more then 1 device on my ID Which is in lost Mode, I told XXXX they totally understood where I came from but they couldnt do to much because they aint understand why the Bank XXXX Wells Fargo XXXX Put booth my accounts in negative but they sent me my proof that I had 2 devices connected to my XXXX XXXX, I emailed them it and Im just waiting!
Product: Checking or savings account

I live paycheck to paycheck as millions of Americans do. Capital One experienced technical problems that caused my direct deposit that normally arrives on Thursday mornings to be delayed. Worst of all is this is happening on a holiday weekend and I may not even get my money until two days before my NEXT paycheck.

Capital One sure is sorry for any inconvenience. They even offer to offset any reasonable fees. However, how will I actually EAT until my money comes. How do I feed my family Capital One? What about when my lights are turned off. XXXX ( another horrible company ) dont care if my money is coming or not. They want it now. Are you not aware of the freezing temperatures? 

Rich corporate board members dont care, you have your millions and financial freedom on the backs of your customers. 

I just want my money, and your response is just horrible. You are not doing enough to offset this disaster. You can not even comprehend the mess you have left your customers in while you live comfortably with your millions of dollars. You need to go above and beyond. A meager XXXX dollar deposit for our inconvenience could even go away. 

I feel like I am wasting my time, but I hope you will do the right thing because your current response is not adequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 290 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted Transunion several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Product: Credit card or prepaid card

XXXX XXXX DBA Care Credit illegally recorded WRONG transaction amounts for XXXX   work that was done from XX/XX/XXXX to XX/XX/XXXX. I was over billed in these transactions and ALL the recorded amounts were incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX ledgers reflect these accurate amounts and the XXXX XXXX   XXXX  statements reflect the higher and wrong amounts. Interest was then charged on these false amounts. Also 38 % total interest was charged on these amounts as well. 

I contacted XXXX XXXX on XX/XX/XXXX to get all the XXXX statements sent to me for XXXX to XXXX. I also contacted XXXX XXXX   and XXXX XXXX and had them send me their statements from XXXX to XXXX. I contacted XXXX at XXXX XXXX   with a demand letter attached stating that if they did not correct these illegal transactions and over billed transactions that I would take them to small claims court as well as contact CFPB. I contacted XXXX 2 more times ( XXXX XXXX and XX/XX/XXXX ) and she would only call me back and say she was researching the matter but refused to address the issue and was avoiding me over the fraud they committed against my account. XXXX XXXX recently changed the figures again on XX/XX/XXXX to more closely fit the amounts I had stated in my demand letter so they could avoid getting sued. However, I have the original statements which accurately reflect their inaccurate transaction amounts. ( Please see attachments ) The demand letter I sent to XXXX XXXX DBA Care Credit on XX/XX/XXXX XXXX XXXX   DBA Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Re : Demand for Payment To whom it may concern Please be advised that XXXX XXXX DBA Care Credit owes me the sum of {$5900.00} to me ( the card holder ) because of the following : 1.  The charges reflected on my Bill statement are incorrect with the owed charges from XXXX  XXXX XXXX. and XXXX XXXX ledger statements. This has reflected unethical and illegal business practices by XXXX XXXX dba Care Credit.

2. My Payments have been reflected towards interest and not the Principle of the loan in a fraudulent and illegal manner by XXXX XXXX dba Care Credit.

3. Usury interest rates of 38 % and higher has been applied to my account in a fraudulent and unethical manner by XXXX XXXX dba Care Credit. 

4. On {$1700.00} for XX/XX/XXXX in Interest was applied to my account in a usury manner by XXXX XXXX dba Care Credit.

5. XXXX XXXX dba Care Credit is charging my account {$1600.00} more than what is owed plus the usury interest amount of {$1700.00} in XX/XX/XXXX and other balances totaling {$5900.00} that I do not owe. ( Overbilling )
Product: Mortgage

To whom it may concern, I have been going back and forth with Freedom Mortgage for several months about my account. In XXXX of XXXX I did a remodification of my loan. My first payment as I understood was to be XX/XX/XXXX. In the amount of XXXX. I made that payment a few months later you contacted me and told me I was behind. I was told by your reps I made the payment to early and they had accidentally put it into an unapplied funds account. The monies as you will see were put in there, then taken out and put back in again. Each time different amounts for whatever reasons. Each time I talk to you I am told, we're sorry this will be expedited and fixed. It has been put on my credit report several times then removed. I have gotten at least XXXX calls a week from you for almost an entire year, yet it is still not fixed. 
On XX/XX/XXXX I spoke with rep # XXXX. She told me as of XXXX XXXX my payment went up to XXXX. This was the first time I had heard this, yet I had just spoke to a rep there the previous week. She told me I needed to pay XXXX to make up for XXXX XXXX and XXXX of this year. I have already paid out for these 3 months a total of XXXX. Somehow your saying for the 3 months my mortgage increased it cost me XXXX? Now that makes no sense at all. 
When I asked why my payment went up almost XXXX. She said it was due to my insurance rate increasing. Well it did go up an additional XXXX plus dollars. But that equals only an XXXX amount increase each month. 
I would like and am demanding copies of the internal banking/ funds I have paid and when and where they have been applied. I have been told on XXXX separate occasions that a XXXX would reach out to me. Not once has XXXX and it is going on a year now. 
It seems to me someone didn't update my file correctly, accidents do happen and we only see what was entered into the system. If it's entered wrong, hence we see it that way. 
The remode cost me XXXX added to my loan. Now it's right back to the same payment it was before the remode was even done! Seems I was charged the XXXX but the remode never really was completed properly, now my credit is ruined and I owe you more money than I should. 
According to the RESPA act I have the right to all of these records. There was a severe error made on my account and I would appreciate it actually really be expedited as I've been told. 
I look forward to hearing from someone who can look into this from the very beginning, not look at a computer screen that had the wrong information put into it. 
I will be forwarding a copy of this letter to HUD also.
Product: Student loan

I received a letter from MOHELA on XX/XX/XXXX stating my account was in forbearance through XX/XX/XXXX. On XX/XX/XXXX I received a billing statement with a payment due date of XX/XX/XXXX for the amount of XXXX XXXX 

I called MOHELA on XX/XX/XXXX as I noted my account stated I was overdue. I spoke with XXXX. She was awful. She did not look into what I was asking about but she did advise me TWICE that since my account was overdue all information from this call would be sent to debt collectors. 

I asked to speak with a supervisor and was denied. After over an hour of being put on hold over and over so XXXX could research my account I was eventually transferred to a line to leave a message requesting a return call. 

I paid the amount due online out of fear of being reported to a credit agency, A supervisor named XXXX called me the next day and was hostile from the beginning because I would not provide my social security number to him. I did provide my account number. 

XXXX did not assist me with this issue or with the issue regarding my account reflecting that my XX/XX/XXXX was listed as mot eligible for PSLF due to being in forbearance. 

My financial well being is at the mercy of a company that is not equipped to do what they are tasked with doing. Between the hostility and the long wait times and the tactic of being put on hold over and over this is causing so much stress and anxiety.
Product: Debt collection

XX/XX/XXXX mailed out a debt Validation letter to the company asking them to validate, the debt and not verify the debt, and not by sending a bill as a form of validation, that they failed to reply within 30days and  have reported to the credit bureaus false or unvalidated debt which they are in violation of the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a response to complaint XXXX To Whom It May Concern, You stated that these inquiries are a matter fact. PROVE IT! I asked for you to provide validation of these inquiries and you failed to do so. I will ask one more time to provide validation. You also stated that per the FCRA these inquiries are not routinely removed. I really need to pay attention to what is going on here. I did not give authorization for the inquiries provided so they should not have been placed on my consumer report! That is the reason that I am asking for documented validation with my wet ink signature bearing authorization for these inquiries and also validation showing that I gave permission for this information to be furnished on report as well. I, the consumer and natural person am telling you that I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. These are violations of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy. You took a companies word ( hearsay ) for it and just placed these inquiries on my report with receiving validation. 

Once again, please validate this information with these companies and provide me with full documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you XXXX to produce a contract between you and I, the consumer and natural person bearing my signature showing that I gave you permission on my behalf. 

Pursuant to the FCRA 15 USC 1611 anyone willfully or knowingly providing false information and/or inaccurate information is subject to certain penalties. 

I know that you did not do your due diligence in validating this information before you decided to furnish because you would not have been able to validate this information as I did not provide consent to these inquiries. 

In the absence of such documentation bearing my signature, I formally request again that these unauthorized inquiries be removed from my consumer credit report immediately that you maintain under MY social security number. 

Please be advised that I expect a response within 15 days from the receiving this notice. 

Inquiries in question : XXXX XXXXne Bank XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX : XXXX ' XXXX in good faith. Without prejudice. All inalienable rights reserved. 

Any extra info needed : XXXX XXXX XXXX : XX/XX/1990