23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX or XXXX years ago I had a XXXX account that I got behind on during the XXXX  XXXX pandemic. XXXX sent it out for collections, and I settled for a set amount with the people who took over the debt. Then XXXX  years later I got a letter in the mail saying I was being sued for a debt I had already paid. I have already had my XXXX court date and on XX/XX/XXXX I have my second one. The ones who are suing me claim the account number is different, but this can't be possible because I only ever had XXXX account through XXXX which I confirmed through calling them directly. I will submit the copy of the letter and confirmation where I paid them the first time and where the new debt collectors are trying to make me pay again
Product: Credit card

I am writing to formally file a complaint regarding deceptive and unfair practices by Wells Fargo in relation to the financing plan I accepted for my new air conditioning system. 

On XX/XX/XXXX, I agreed to a Wells Fargo credit card offered through XXXX XXXX & XXXX to finance my AC purchase of {$12000.00}, along with an additional charge of {$650.00} on XX/XX/XXXX, for city licensing fees. The financing was offered with an 18-month interest-free period, provided regular monthly payments were made. 

I accepted this financing offer with the understanding that I would make equal monthly payments over 18 months to pay off the balance before the promotional period ended, thereby avoiding any accrued interest. However, Wells Fargo deliberately set up my payment plan with a minimum payment structure, rather than equal payments that would ensure the balance was paid off in time. This practice appears to be a predatory strategy designed to trap customers into paying interest charges once the promotional period ends. 

At no point did I request or agree to a minimum payment arrangement. Wells Fargos decision to structure my payments this way was a violation of the terms I agreed to, and I feel they acted in bad faith by not making it clear that minimum payments would not pay off the balance in time. 

Unfortunately, during this period, I was going through a painful divorce and relocating to my new condo and awhile remodeling it. Due to my circumstance my personal and financial records were not as organized as usual, and I was emotionally overwhelmed. I never anticipated that a large financial institution like Wells Fargo would engage in such deceptive practices. 

On XX/XX/XXXX, I paid my full statement balance, just a few days short of the 18-month deadline. Wells Fargo then charged me a significant interest fee, despite my good faith effort to pay off the balance. I have since tried to resolve this issue with them and requested a waiver of the interest charges, but they have refused to cooperate. 

I am now seeking your assistance in filing a formal complaint and requesting that Wells Fargo refund the unfairly charged interest. Given my financial situation and lack of steady income at this time, this money is extremely important to me. I believe their actions were misleading and designed to exploit customers who do not closely track the payment structure they were set up with. 

I appreciate your time in reviewing my complaint and look forward to your support in resolving this matter fairly. Please let me know if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft and have seen items on my credit report that is not mine with XXXX XXXX XXXX and XXXX XXXX XXXX. i have filed a complaint with FTC for identity theft and need these items to be blocked per 15 usc 1681c-2. they are reporting on all 3 CRA 's i have attached documents below
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have Accounts and information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, # XXXX, and # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I need you to remove the remaining items off of my Credit File : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please comply with Federal law and have the disputed items removed as soon as possible.
Product: Payday loan, title loan, or personal loan

XX/XX/18 I was trying to use the app to get a little cash before I get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Dyck O'Neal, XXXX  and, XXXX Thank you for sending me your internal records of the debt ( Dyck O'Neal ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND DYCK O'NEAL including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX  REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in a real estate transaction for which my lender is required to verify my past two years of employment which included Stearns Lending. This request was initially submitted to Stearns Lending on X/X/18 by my current lender. Their request has been ignored and I personally have attempted to contact via telephone and email the company, however ; my calls have not been returned nor have I received an email response. 
The lack of receiving the Verification of Employment is holding up the close of escrow, and thereby costing me money.
Product: Mortgage

XX/XX/2022 Greetings, I am the successor trustee of my brothers XXXX XXXX. On XX/XX/2022, I pay the remaining mortgage to Well Fargo. Within XXXX weeks of that, we received the escrow check. The check mistakenly got shredded. On XX/XX/2022, I wrote to Wells Fargo requesting they stop payment on the escrow check and to reissue a new check for the reasons above. Since that time, this is what I was asked to do, and it remains unknown if they will honor my request to reissue the escrow check. 

Questions I had answered via phone call with Wells Fargo : Wells Fargo : Where did you get the money to pay off the loan? 
My brother left money to his wife for her to either stay in their current home or to find somewhere that she may like better in order to be closer to her family. She used the funds to pay off his house for it to be sold to his stepson. 

Wells Fargo : We see that you had hail damage to the home where did that money go? 
My sister-in-law, put the insurance policy in her name so it would be easier for her to pay the bills. The roof repair is to be finished during the last week of XXXX and she is just waiting for the insurance settlement to pay the XXXX. 

Documents Wells Fargo requested from me : Certificate of Death, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : indicating that my name was the only XXXX on the trust account. 
On XX/XX/2022 an XXXX XXXX XXXX was requested along with XXXX XXXX XXXX, the Deed at the time of the decedents death On XX/XX/2022, Wells Fargo requested a copy of my personal bank statements showing any withdrawals made over the past 6 months. 
o I sent them all the trust account statements from the time of my brothers death to the end of XX/XX/2022. 
Copies of cancelled checks and/or wire transfer confirmations over the past 6 months. 
Documentation supporting that the home was sold or refinanced. 

It is disheartening that this has gotten this far. And unfortunately, I dont know why XXXX going thru this. I hope you can help in this matter Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraud but I still paid them in order to get it off my credit report! This needs to say " removed due to error '' or something instead of " paid in full '' this debt is not ligitemate PLUS it's been paid! See attached proof!
Product: Credit card or prepaid card

Wells Fargo sent me a new credit card to replace an expiring one in XXXX, and I never recieved it. I let them know. Since I dont use this card very ofton it slipped my mind. In XXXX I got a letter from them stating they had tried calling me and could not reach me so they closed my account as Fraud. I called them and spoke to several different people escalated all the way up to the Fraud Department, who would not reopen my account. This caused damage to my credit report as it was one of my oldest accounts, as well as decreased my available credit, thus increasing my utilization. I feel they could have reopened my account.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please delete all names and addresses other then the information below My full name is- XXXX XXXX My full address is- XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX My phone number is XXXX Please delete all other address and names and update report
Product: Debt collection

This is the email I am constantly getting from paypal saying I owe for an apple product. I have never bought an apple product in my life and i do not use paypal. I have received about XXXX of these emails so far and I want them to stop. I reported this to the better business bureau but have heard nothing in response. This is the content of the email : PayPal Here 's your invoice XXXX XXXX sent you an invoice for {$XXXX} XXXX  Due on receipt. 

Invoice details XXXX requested {$XXXX} XXXX  Note from seller Thank you for your purchase! We appreciate your business. If you have any questions or need assistance regarding your order, please dont hesitate to reach out to us at XXXX ( XXXX ) XXXX. If we dont hear from you, we will move forward with processing your transaction. Thank you for choosing us! 
Invoice number XXXX- # XXXX View and Pay Invoice Don't recognize this invoice? 


Report this invoice Before paying, make sure you recognize this invoice. If you don't, report it. Learn more about common security threats and how to spot them. For example, PayPal would never use an invoice or a money request to ask you for your account credentials. 

Buy now. Pay over time. 

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in XXXX  months. Subject to credit approval. See terms. XXXX customers only. 

PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click XXXX & XXXX. 

Not sure why you received this email? Learn more XXXX XXXX PayPal, XXXX XXXX XXXX reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

In XXXX XXXX I apply for a credit card in best buy store to purchase a TV the no interest rates for XXXX on the promotion last XXXX XXXX I was left with XXXX dollars so this morning XXXX XXXX XXXX I make a payment of XXXX to my surprise I have a balance of XXXX dollars in i call they said they ca n't help me
Product: Money transfer, virtual currency, or money service

my paypal account was limited without any reason it was happen on XX/XX/2021 and its XXXX XXXX XXXX
Product: Credit card or prepaid card

I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card  until it was received and could not use it for the $ XXXX/night reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Chase wants to state that " if used properly '' the account number would have auto-populated, it did not and my husband is witness to that. I would not have called Marriott OR Chase had it populated. When I was on the line with Marriott AND Chase, the approval page was still up on my computer and I told both representatives this information and neither one knew what was happening.
Product: Debt collection

A company by the following name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX Amount Reported : {$320.00} The above named company is appearing on my credit report and reporting a COLLECTION/CHARGEOFF. I have never done business with this company and believe that I am being defrauded by someone. This is hindering my ability to pursue and qualify for personal and business loan products. Please help me to remove and repot this fraudulent account from my credit profiles. 

Lastly, there are inaccurate previous addresses being reported on my credit profiles. The only address from the list that I have lived at is the following : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please assist in having this information reported accurately and true. 


Thank you!
Product: Debt collection

Cavalry Portfolio Services LLC are attempting to sue me over an alleged XXXX credit card debt from XX/XX/XXXX-XX/XX/XXXX without the required documentation outlined in a 2016 CFPB Consent Order relating to XXXX accounts from this time period ( XX/XX/XXXX-XX/XX/XXXX ). I have been to court on seven separate  occasions asking for this documentation ( effective agreement, minimum of 12 months statements ) only to be asked each time how I plan on paying, as though I had never spoken to them before. 

Details of a similar case and past CFPB complaint made public online by the defendant indicate Cavalry Portfolio Services and their same local representative law office of XXXX XXXX XXXX are aware of this Consent Order.
Product: Debt collection

I just noticed from my credit report that an unknown collection agency has reported a utility bill from a company ( XXXX ) which I don't have. I contacted the credit bureau XXXX  which is showing this on their page and disputed It as I don't have a XXXX account, and want this removed from my credit history. They rest of the credit bureaus have already removed this from my account except experian. 

-- - Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2021 Original balance {$360.00} {$360.00} Payment Info Original balance {$360.00} Balance {$360.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 2021
Product: Debt collection

Equifax and XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Checking or savings account

Recently, my Bank of America checking account was shut down due to fraud by my bank for a bounced check. The details of this bounced check which I had no idea it was being deposited into my account caused my account to get closed. I have been trying to get in contact with support for fraud from the bank but I am just stuck waiting for a representative that never ends up come up talking to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed  after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to carmax directly and when I did they refused to remove it
Product: Credit reporting or other personal consumer reports

5 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  should not be listed as an address of mine. I do not live there and never have.