23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered into a mortgage forbearance program during the pandemic in XX/XX/XXXX and upon exiting forbearance in XXXX it was my understanding that the missed payments would be deferred and added to the end of the loan. I took this to mean the whole payment amount, however, Wells Fargo has increased my monthly mortgage payments by {$250.00}. This additional amount is to catch up the missed escrow payments over 60 months. I questioned Wells Fargo about this and was informed the it depended on what the investor for my loan decided to do about the missed escrow payments. My concern is this is not a fair and equitable treatment for all customs. This additional payment has the potential to cause a hardship when the expectation had been to resume the same payment as before the forbearance. Furthermore, my loan was current upon entering forbearance and has been since exiting so the only amounts of missed payments we are talking about occurred during the forbearance.
Product: Mortgage

After missing two payments, my online access was terminated, and I stopped receiving any loan related documents, for the last 21 months I have received absolutely no statements or documentation regarding my account details, despite repeated requests for account information. 
Throughout the foreclosure process, Fay servicing has not answered my calls, or responded to my voicemails, or emails with questions regarding loss mitigation, payment options, etc. I don't even know if my single point of contact XXXX XXXX actually exists, I have never spoken to the man, not once has he replied to an email, voicemail or answered a call from me.
Product: Checking or savings account

US Bank blocked our account. I contacted their legal department but they do not return my calls. The branch manager also called several times but they do not return her calls. It's disturbing US bank blocks our account but will not tell us why. This is a breach of trust. A fiduciary has a responsibility and obligation first to their client, not to their own interests. This is disturbing and unacceptable. US bank sends the message your funds are not yours once US Bank has them.
Product: Checking or savings account

I notice that in the end of XXXX and the beginning of XXXX there were money being transferred out of my account without my permission. I contacted the Wells Fargo bank immediately and have a case opened on XX/XX/XXXXXXXX XXXX XXXX. They said it would take 10 business days to do the investigation and reimburse me with the money but failed to do so.
Product: Debt collection

SOMEONE UNDER MY NAME OPENED A FRAUDULENT ACCOUNT WITH XXXX XXXX XXXX AND NOW OWES THEM XXXX DOLLARS. THE ACCOUNT HAS NOW BEEN CLOSED AND PASSED ON TO A COLLECTIONS AGENCY, PENN CREDIT CORPORATON. 
PENN CREDIT CORPORATION WANTS ME TO PAY A DEBT THAT DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was switching from XXXX cellphone carrier to XXXX. After my final bill arrived it was paid in full. In meantime XXXX XXXX  posted collections on my credit report for the amount of the final bill from cellphone carrier. When I called XXXX XXXX to ask why they put collections on my credit report they replied that I owed them money but do not owe anymore. I asked can they validate the debt they referring to and they refused me to provide any information on it claiming that account has been closed. I asked them to remove collections if they are not able to validate debt and provide any relevant information they refused to do so. My credit report dropped 30 points causing damage because of that posted on my report and they can not provide evidence of the debt owed in the first place. I asked them why they are refusing to remove negative information if they are not able to validate the debt, they reply that XXXX hired them to post negative information on the former customer accounts. I was shocked by that reply and had nothing to say further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to Caine Weiner and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

I do not recall this debt, please verify debt. Also, please verify statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( Experian, XXXX and XXXX )
Product: Checking or savings account

I request refund back from overdraft fees from the past 3 years. Thanks in advance
Product: Credit reporting or other personal consumer reports

I'm reaching out to you for help with my stolen identity. Could you please delete the specific item and make sure all other incorrect details are updated as soon as possible? Your prompt action would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit card or prepaid card

I called XXXX XXXX for XXXX XXXX in regards to a past due amount showing on my statement. this is incorrect I have all my payments made on time. so I have disputed this issue 4 times with the company and they said everything will be resolved and still showing on my statement. so today XXXX-XXXX-18 I call spoke with XXXX XXXX supervisor and still stating I owe double the amount for I have paid before due date and it will not reflect on my statement as payment made for the current month. It only reflects as an additional payment, that is what I was disputing that customer service had stated this would be fixed since It was the first time this happened and not aware that if I make my payments before due date they will not sure for the current month. so I said I did not owe what the balance says past due. I am current with my payments and they still did not resolve my issue, I even have a letter about the situation stating they resolved it. so I suggest for other customers to know about the issue so that it won't happen to them.
Product: Vehicle loan or lease

The CFPB does not assist with helping consumers. COMPLAINT ID XXXX you allowed this company to provide a response to my claim and closed the case without any review of the information they provided. They might as well have submitted a stick drawing. I am writing in response to your recent communication to the Consumer Financial Protection Bureau ( CFPB ) where you stated that you mailed a Right to Cure letter and a Final Response letter to me. However, I did not receive these letters, and I am deeply concerned about the discrepancy between your claim and my actual experience. 
In addition, it is evident that the validity of the letters you claim to have sent is indeed questionable. One significant portion to support my claim of NEVER having been sent these letters is the lack of information regarding the repossession process. From these submitted letters, you can determine that I was NEVER informed about the location to which the vehicle was sent, the entity responsible for the repossession, or the steps to retrieve personal items from the repossessed vehicle. Furthermore, there is no mention of the auction details, including the location, date, or time of the auction. Calling you for this information does not satisfy the requirements of the law. Had you sent these letters, however, I would have known that calling for this information was an option. 

The other notable item is you stated you repossessed the vehicle on XX/XX/2023. That is the date on the letter you provided in the Fraudulent " Notice to sell the vehicle letter you provided. '' What are the chances you wrote me a letter on the same day you repossessed the vehicle? 

These critical omissions raise doubts about the true existence of the purported letters prior to the CFPB being informed of your improper handling of this matter.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and notice accounts that are not mines. These accounts were : XXXXXXXX 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
Product: Debt collection

Over the years I 've received collections calls from a " collections agency '' collecting debt for HSBC XXXX credit card. I was a college student in XX/XX/XXXX when that card was received. I do n't believe i ever used the card, if i did, I paid it off and if i owed them they should have taken action nearly 20 years ago. Before I became internet savvy, I 've fallen for what I think now is a scam maybe twice before and ended up sending these people money I really did n't think i owed. It was probably over 10 years ago since I sent them {$200.00} dollars at least. Now they are back for more money. They called leaving a threatening message that my mom picked up. She 's XXXX y/o and was frantic and upset after she called the number back to people threatening to lock me up. I am in Arkansas but there is someone in OK threatening to push a summons through if I do n't cooperate. I believe this is a scam and do n't want to be burden now or later from a company who ca n't provide me any written documentation on what I owe, if i even do at all. The number they called me from is XXXX " Detective XXXX '' he says he 's from some county courthouse not even in the state where I reside.
Product: Credit card

I had a credit card account with TD Bank / Target. The account was included and discharged in chapter XXXX bankruptcy. This account is showing a status of " CHARGED OFF ''. I disputed with the credit bureaus and the account came back as verified. I sent a certified letter to the creditor XXXX months ago and have not received a response. I then once again disputed the account with the credit bureaus and once again it came back verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX XXXX and XXXX from my file. I sent each Credit Bureau a copy of the letter of the removel letter. Please remove XXXX XXXX XXXX from my credit report as well because they were listed on the bankruptcy report. I have sent XXXX, XXXX and Equifax several disputes to get XXXX XXXX removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get a free credit report. When asked to verify personal information, none of the options provided matched the actual, correct information. The company could not verify my identity in order to provide the credit report, which leads me to believe there is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I Was XXXX  -and then finally XXXX  -by the High Court on XX/XX/XXXX  - I submitted a request with Transunion -with all the court documents -to remove all adverse information from my credit report Nothing Happened i phoned the call center person told me -even if i am " rehabilitated '' the adverse information must stay on my credit report -i consulted with my Attorney and the Advocate -both confirmed -everything must be removed -as per the XXXX High court order i phoned again -lodged an complaint -to ensure that this person does not actually now do this Nothing happened Phoned again -insisted to speak to the team leader XXXXthat immediately told me -they did send my XXXX  order to the wrong place -it has to go to the sequestration department -and she even send me n e mail -stating its urgent Nothing happened -and now this lady was on leave so in order for them to clear my name Transunion work on the same system as the master of the high court i had to wait for all documents to be scanned in onto their system, then they printed it for me, and i send it to the credit br. 

so for them to clear my name -they have to sit -log on -see my details are correct and clear my name -about at most 5min but they tell me they are " waiting '' for feedback -but the information is on their Pc 's why are we now going into week 3 -for this to happen
Product: Checking or savings account

On XX/XX/XXXX, I closed two matured CD accounts at PNC Bank in XXXX, NC. Last week I received two checks from PNC Bank, one for {$7.00} and the other for {$6.00} with this cover note : " In the past, your account ending XXXX received a special rate offer or promotional rate. We recently became aware that you may be due one additional day 's interest because your rate expired one day earlier than disclosed. '' Two years have passed. I wanted to know the action that was taken by PNC that resulted in uncovering this error. Also, since PNC Bank had my money for two years without my consent or knowledge, at the very least they owe me two years ' interest on the money ... and if they had my money for two years, they had the money of other depositors who were similarly unaware. 

I phoned PNC Bank at XXXX and was given the same explanation as stated above. The " escalation '' agent was to get back to me with answers. I received a call earlier this week ( probably Monday, XX/XX/XXXX ) from XXXX XXXX ( unclear what her name is ) who gave me the same explanation as above. In short, a week went by and I received no answers. 

My concern in writing this complaint is that PNC Bank has withheld earned interest from CD depositors for two years. My amounts are peanuts, I know. The bigger questions are why did it take two years to learn that they had our money and why they have n't paid us interest on this money? Something 's seriously wrong here. Can you get an explanation and our interest for us?
Product: Checking or savings account

SunTrust bank  Withholding information from me since XXXX XXXX when I reported fraud and suspicious activity on account under my ex put me on as a courtesy. 
I have gone in person ( XXXX XXXX XXXX va XXXX regional Manager at the time & XXXX XXXX XXXX XXXX va in person to branch manager slender tall fellow. ) the branch manager stated to me after I told him someone had been transferring my monies out of my XXXX XXXX XXXX XXXX   XXXX va accounts that I could get only! 300 approx out of SunTrust bank ) I have sent certified letters SunTrust corporate XXXX XXXX XXXX  va Recently SSA finally sent and disclosed to me the direct deposit accounts that were fraudulently changed on my XXXX checks. 
There were four changes made thru federal reserve bank to SunTrust bank. The routing numbers and account numbers are stated by the SSA letter from miss XXXX in the XXXX XXXX nc SSA office are attached in the attached pdf file And the numerous checking account numbers on file at the SSA administration SunTrust bank XXXX XXXX boss left me a message on my XXXX phone telling me XXXX XXXX would find out what happened. I returned the SunTrust banks calls and faxed them also. No response. 
One of the accounts are still open I believe. as per XXXX she stated. Numerous accounts opened under XXXX XXXX XXXX XXXX XXXX with a atm card linked to them I have never had a SunTrust atm card period.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.