23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have asked them several times to not call me at work and they continue to do so. I tell them i will be in on a certain day or at a certain time and they still continue to call and harrass me. They are very hateful and hard do buisness with and they do not care about there customers at all. All they care about is the money and thry are always very threatening.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XXXX  I received a letter from XXXX XXXX stating that my " debt '' was sold to Porfolio Recovery Associates, LLC ( PRA ). PRA send me a bill the same day for {$1100.00} for a XXXX card ( i guess?? ). 

I can't recall the exact day, but I spoke to XXXX XXXX months prior when they sent me a letter saying I owed that amount. I verified all my information and was told that is was NOT my debt as the social security number did NOT match. 

So, today XX/XX/ I call PRA to tell them the same thing I went over months ago with XXXX XXXX. The guy I spoke to a PRA also concluded that the social didn't match but wanted ME to write to them to dispute the debt. This is clearly an issue with PRA and/or XXXX and their skip tracing. 

This matter should have been resolved when I spoke to XXXX months ago. I'm not sure who ( or maybe both ) are to blame - -XXXX or PRA, but I will not be harassed anymore over a debt that is 100 % not mine
Product: Debt collection

XX/XX/2019 A debt collector/ Lawyer 's office started to call my place of employment months ago but more so in one week recently. The unidentified caller demanded payment and my personal financial information that very minute or else I will be sued as threatened in the past. I kindly asked for the calls to stop as I have before. That same week the same nameless person ( who refused to give me a name ) once again threatened of a lawsuit and stated I would be embarrassed at work for wage garnishments. Last call was a woman laughing and stating I will be in court and hung up .My place of employment has caller ID and all revealed the name of the same company and phone number. Clearly, this company does not honor the FDCPA rights. In addition, the main lawyer of this company has been in and out of practice due to violations of the California state bar. Now my lawyer needs to take action against this company.
Product: Debt collection

Called the company to request bond number since they said they was license in texas to collect debt since i could find the record on the secretary of state database which states " Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. '' All Rights Reserved.
Product: Checking or savings account

They are always changing the for overdraft from companies that I have asked them to block.afer I have paid them off so this is causing a problem with family sending me money that money is food and other items so I am thinking about closing wells Fargo all together I am tried
Product: Debt collection

Some random XXXX debt appear in my credit score saying it went to collection. I have NEVER been a client of XXXX XXXX XXXX I was a victim of identity thief when XXXX had their security breach and this was how they got my identity. This debt is not mine and is ruining my excelent credit. My name is XXXX XXXX XXXX and I live in Illinois, I haven't even been in the state where this debt is coming from. Please fix this as soon as posible because I will be in the process of buying a property and this will hurt my chances of getting it. 

Please contact me via email : XXXX XXXX
Product: Credit card

After attempting to resolve disputes with merchants several disputes were in fact misconducted. I have contacted Dispute billingdisputes and reviewed the below cases providing proof and review on how the disputes were not handled correctly causing thedisputes to be mishandled. Below is a summary of the XXXX disputes that were mishandled. XXXX. CASE XXXX XXXX XXXX XXXXAmount {$200.00}. The fact I was charged 2x for this transaction has been neglected. No Merchant response as well as the letter sent. XXXX XXXX XXXX XXXX {$110.00}. The wrong shoe was returned to XXXX and no credit was issued. This case was not processed as a return was shipped back and mishandled. XXXX XXXX record provided and no response from merchant. XXXX. XXXX XXXX XXXX {$350.00}. This merchant did not render the service. After several emails merchant responded with " the money has been charged back from there account '' Discover reversed the merchant charge back to me. The merchant has not responded for several months. XXXX. CASE XXXX XXXX XXXX XXXX XXXX. This merchant did not complete the assessment prior to pre operation causing to have another pre operation scheduled. In addition there were scheduling and financial issues causing credit reporting and negative score as a result. This merchant charge is not valid since they did not to there job properly. XXXX. CASE XXXX XXXX XXXX XXXX {$97.00} This merchant failed to disclose additional charges prior to rendering service. Merchants 3rd party response is not valid since the specific issue has been neglected. 

As you can see from the facts these cases were not assessed and handled accordingly.
Product: Checking or savings account

One day, when logging into my account, I noticed that there were quite a few fees charged for " non chase ATM fee - Inq ''. I immediately thought that this was strange as I have the chase app on my phone as well as online access to check my account. I would never need to check my balance at an ATM. I called Chase and let them know that I did not do this and they agreed to refund the fees. Then, a few days later, I noticed that there were even more fees and also ATM withdrawals from my account that I did not initiate. I believe that my debit card must have been skimmed at some point and the thief 's were checking my account balance so that they could withdraw funds. I immediately called Chase and let them know that my debit card had been frauded and filed a claim to get my funds back. Initially, Chase refunded the withdrawals and fees that were taken out of my account. However, about a week or so later, I received communication from Chase that my claim was being denied and that they were reversing the refund of the disputed transactions. I called Chase to find out why this was being denied and to try and file an appeal. They stated that since I had logged into my account the day the original fraudulent transaction occurred, and did n't report it immediately, that they consider the withdrawals correct and made by me. This is ridiculous! Many times such things as withdrawals or charges do n't show up online until the next day! I spoke with a supervisor at Chase and they told me the same thing, the withdrawals were considered " correct '' and done by me because I logged into my account that day. I asked the supervisor to please provide me with the locations of the withdrawals and to provide pictures from the ATM showing the person who was making the withdrawal. I was told that Chase would not release that information to me and to file a police report and have the police contact them for this information. I used some profanity and told the supervisor that Chase were criminals. I then went to the police to file a report and was told they do n't deal with things such as this as it was under a {$10000.00} claim. Now I 'm stuck without any other options pursue to somehow get this resolved and do n't know what else to do.
Product: Debt collection

These medical bills were never submitted to my insurance. I opened a ticket with my insurance company, XXXX XXXX XXXX XXXX, and shared it with the collections company. I have told them numerous times that XXXX has no record of the charges and they need to be resubmitted. The collection company refuses to engage or do anything about it.
Product: Debt collection

I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Checking or savings account

Capital one at XXXX XXXX XXXX in XXXX Louisiana Received a court order to close an account from a settle estate for {$110000.00} on XX/XX/2022 They stated this would take 7-10 business days after that time capitol one sent three checks for {$490.00} each Returned to Capital one on the XXXX of XXXX Capital One stated they had drop the ball 12 days later there was still no check from Capital one I was given an email address to there ( estate dept ) there has been no response from the estate dept also you can not call the estate dept So a complaint was filed with there complaint dept, and the branch manager at XXXX XXXX XXXX no response We would like Capital One to issue the checks for the correct amount in a timely manner
Product: Mortgage

chase bank refused to do a refi -- I ask them to transfer the appraisal to another bank -- -said it was not their policy to do so -- can they be forced to transfer?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am currently writing to express my concerns of Zelles incompetence to handling disputes. Zelle and my numerous financial institutions failed to initiate any investigation on my claims even after numerous attempts to collect information from them about said claims. After some time trying different routes to try and dispute my claims, Zelle informed me it would be impossible for them to return money. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to exploit this flawed system, leaving users vulnerable to scams, fraud and theft. The lack of transparency and concern for customer safety is increasingly unacceptable.
Product: Money transfer, virtual currency, or money service

Made a purcharse in XXXX, for 04 computers, was suppossed to wire the money through XXXX  keeping the reference number to myself until the package was delivered. They asked for a proof of the transfer, they asked for me to send a picture of the receipt covering the reference number ( which is suppossed to be the only way to cash out the money from moneygram ), and with the receipt and with out the REFERENCE NUMBER they cash out the money from moneygram in XXXX. Thought XXXX guaranteed the transfer only if the receiver presented the Reference number.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX
Product: Mortgage

I have been trying to resume payments on my mortgage after I was given a payment suspension due to Covid. 

I called Wells Fargo somewhere in XXXX that I wanted to resume payment. They said they will call me within a week after processing my request. I did not receive a response for close to a month. 

I called again and literally forced the Agent to take my payment and put my payment details down on autopay. The Agent said he couldn't process my autopay, and that, an Agent will call me later for the autopay information and processing Many months passed without hearing fr wellsfargo. Why should I struggle to make payments on a loan? 

From middle of XXXX, XXXX I resumed calling wellsfargo to see if this thing could be rectified so I can start making payments. When I call, the answering machine takes my social, directs me to a specialist assigned to me, and that ends the story- the line is either dropped or sent to voicemail. 

On XX/XX/2021, I received an email from wellsfargo, claiming that my application ( i don't know what freaking sham application they're referring to ) has been approved and that I should start making specific payment amounts, starting XX/XX/XXXX, every month for XXXX XXXX before I will be able to start normal payments on my mortgage. 

THE INFORMATION ASKED ME TO CONTACT MY HOME SPECIALIST TO ARRANGE PAYMENTS AND THAT I SHOULD PAY THE EXACT AMOUNT QUOTED- {$3000.00}. 

Ive been trying ever since to contact Wellsfargo specialist to make payment. As Ive experienced for close to a month, my calls go to voicemail after entering my social security number. 

Ive tried paying online, but the amount on my online payment is higher than what I was instructed to pay ( plus wellsfargo did not even give me instruction to pay online ). Ans wellsfargo does not allow you to put in or pay other amounts. 

I even tried making payment over wellsfargo mortgage phones machine. After entering details, I am told I owe {$0.00}. 

Ive called wellsfargo several times, and my home Specialist. I call on my way to work at XXXX, and on my way from work at XXXX, almost everyday. Today is XXXX, the day I am suppose to make payment and there is literally no way dor me to make payment. 

I see all this as a ploy to frustrate me, make me feel comfortable with not paying my mortgage as they pile up on my debt, and make profits, and even more. 

I think it is very bad practice to set up customers to fail, in order for wellsfargo to profit. 

There are many other unethical things Ive found since my payment suspension, but I will leave that for another time. For now, I need to make payment. Ive been crying and begging to make payment for close to XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. 

The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. 

Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my Mortgage score recently dropped dramatically ( Im under contract for a home ). The reason was " Consumer Finance Accounts ''. I have no open consumer finance accounts. I called Experian and spoke with XXXX he stated that he sees NO signifigant change on my credit report from XXXX and prior till XXXX and now. He did not understand why the score drop ; but he did state that its possible that its a system error. 

Experian compared all of the accounts ; and does not understand it. He did state that I have 3 XXXX accounts that are closed, in good status but showing that they have been transferred to different lenders. I spoke with XXXX and they said the accounts were closed and transferred back to XXXX due to my old chapter XXXX. 

Essentially ; I have 6 XXXX accounts on my credit report ; when I really should have 3. Three of them ( closed ones ) should be deleted.
Product: Debt collection

I have asked repeatedly that they speak with me over XXXX  because I am XXXX They refuse and continually hang up. I've written them request asking for a payment plan and help to get caught up. I've been asking since XX/XX/year>. They refuse. They call I answer every time. They then turned me over to their collections who they said to contact email and I did. I have proof. I sent them all the calls answered on the list. All the emails written and letters. I am being ignored over and over again. I was with them for 2 years and on time payments. I was laid off and asked for help. I'm tired of being ignored. They are a fraud.
Product: Mortgage

The following insurance claim checks were mailed - unendorsed - with the appropriate documentation to Carrington. 
Check 1 : {$2200.00}, dated XXXX/XXXX/XXXX Check 2 : {$1300.00}, dated XXXX/XXXX/XXXX ( {$3600.00} total ) Check 3 : {$9900.00}, dated XXXX/XXXX/XXXX ( {$13000.00} total ) Check 4 : {$2800.00} dated XXXX/XXXX/XXXX ( {$16000.00} total ) Check 5 for {$2500.00}, dated XXXX/XXXX/XXXX, was mailed back unendorsed, stating the claim is over $ XXXX. However, the claim exceeded $ XXXX with the 3rd check two months ago in XX/XX/XXXX. I was not expected to endorse the first XXXX checks ; Carrington endorsed, returned, and I deposited and paid my contractors. I included the estimate, as previously required. But before now, no photographs were previously required ; no contractor bids/estimates were necessary, nor was an Affidavit of Loss Draft Claim needed.
Product: Mortgage

On XX/XX/2023 a tree fell on our garage because of a bad storm. We filed a claim with our insurance company and they pay this out the full amount allowed from our {$50000.00} detached garage coverage. Because the amount was over {$40000.00} the mortgage company had to be included on the check so we had to endorse the check and mail it to the mortgage company. We received the check XX/XX/2023 for the amount of {$49000.00}. I requested money from the insurance funds the mortgage company kept from us and put in an escrow account and they said they will not release any funds unless it is to a licensed and insured contractor. As a home owner in California, I am considered an owner builder so for me to fix the broken trusses on the roof of the garage would not require me to have a contractor license. They denied me my request for any amount and because I couldn't get a contractor to come get the tree out of the attic of our garage and fix the few broken trusses, a snow storm came and the weight of the snow completely caved in the garage and demolished the entire structure in XXXX. I asked again for funds to get the rubble taken down because we have children and the walls were leaning and could fall on someone and again I was denied. I paid a guy to cut up the tree in our backyard and the tree in the garage rubble and I asked to be reimbursed for the {$200.00} XXXX paid the guy to cut up the tree in XXXX. They finally sent an " inspector '' who came and took pictures XX/XX/2023. I finally received a check for {$2000.00} XX/XX/2023 for reimbursement and they called the garage 25 % complete even though nothing has been done towards rebuilding or even demoing the garage. I finally found a contractor who demoed the garage and spent thousands of dollars on labor and dump runs. The back wall and one side wall are able to be saved and built off of, so the garage is now completely demoed except for the two existing walls. I requested another inspection and they said the inspection failed and more repairs are required before any funds can be sent. How am I supposed to pay for further repairs without the insurance money that was issued to rebuild the garage? I am in debt with the contractor who has weeks of work and money into the demolition and they still refuse to release any funds after excepting the contractors estimate and signed contract which states they will be building off the 2 existing walls. It has almost been a year and still haven't started rebuilding do to Lakeview Subserviced by XXXXXXXX XXXX lack of care. If the garage was considered 25 % complete they should have issued a lot more than {$2000.00} I read the first check should be 33 % of the total funds. Lakeview XXXX XXXXXXXX is being ridiculous and completely unethical. How are we supposed to rebuild the garage with no funds?
Product: Debt collection

I was checking my credit and realize I have some inaccurate on my credit with XXXX XXXX I submit a dispute with file number XXXX on XX/XX/year> since now I haven't receive a response since they violate the time limit to send me response I demand to delete this collection with Portfolio recovery immediately.