23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ocwen Loan Servicing, LLC sent correspondence entitled " Friendly Reminder Notices '' to my wife and I dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( see attached ) ; however, during this time, we were set up on direct withdrawal from our joint checking account in which two ( 2 ) payments each month ( in order to pay the Mortgage sooner ) were auto-deducted from our joint checking account and paid directly to Ocwen Loan Servicing, LLC.  Through correspondence dated XXXX and XXXX from a company called " XXXX '' offering to provide loss mitigation assistance ( see attached ), it appears that Ocwen Loan Servicing, LLC reported our mortgage loan as delinquent to this and or other companies. Again, our mortgage was paid twice per month through auto-deduction from our joint checking account. Ocwen Loan Servicing, LLC sent correspondence purporting to be a past due notice dated XXXX ; however, again, our mortgage was paid twice per month through auto-deduction from our joint checking account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Sagestream continue to report incorrect information on my consumer report my name is XXXX XXXX And my address is XXXX XXXX XXXX, MI XXXX there should be no other names or addresses listed on my consumer report.
Product: Checking or savings account

On the evening of  XXXX   XXXX ,    2017  I was out with my wife for our wedding anniversary. I attempted to withdrawal money from an atm machine and was denied. I checked my balance and there was plenty of money. I tried several more times with no luck. I called my bank customer service ( too k over 30 minutes ) the service person said I was over my daily withdraw limit. I let her know that I have not  used my atm yet and it must be from the machines that were not letting me get money. She made some adjustment and I was able to get cash from the atm. The following morning  XXXX / XXXX /   17  I looked at my account and saw there was activity on my card from an atm machine earlier on the  XXXX . I called Bank of Am erica customer service again and let them know of the fraudulent atm activity. There was also one show ing for  XXXX / XXXX / 17 . Both of these withdraws were in different cities than all of my legitimate charges. I was informed that my card would be cancelled and they transferred me to the fraud department. I was on hold for  over 30 min utes and I had to hang up. The next morning  XXXX / XXXX / 17  I got on the phone again to file the full fraud information and again was on hold for o ver 30 m inutes and couldnt keep holding because I was at work. I then noticed that another atm withdrawal happend on  XXXX / XXXX / 17 . I was very unsure how this could happen if Bank of America cancelled the card. I ended up taking a day off and going into the bank office to file the case. After their investigation I was denied because they said I waited too long to file. When I argued that I have phone records fro m 3 straig ht days of trying to file the case the decided to reopen it. They have again denied coverage because they claim I knew of the charges because I accessed my online banking. When I asked how my card was turned back on the bank says that I called and said there was no fraud and to turn it back on. There is absolutely no common sense in this. Why would I call about fraud then call to turn it back on. These atm fraud withdrawals were made while the same card was being used in another city? How can the bank not have an alert for this. My card was never out of my possession.
Product: Mortgage

I have made bi-weekly payments for approximately 1 year, as well as paying ahead of time 2 months of mortgage payments. PHH mortgage continues to misapply the payments and subsequently charge me late fees, despite no missed payments and 2 additional monthly payments being made. I have made in excess of 30 phone calls to the company and spent dozens of hours on hold attempting to resolve. Despite never having a late payment PHH mortgage has now dubbed me a preferred client, which only their Escalation Managers can assist. Except they are no Escalation Managers, I have been on hold for 4 hours today, and 3 hours yesterday. These practices are deceptive and illegal.
Product: Checking or savings account

I have reported this type of occurance of fraud on Wells Fargo debit card checking account and my allegations include corruption and collusion with major stock holders and XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX and XXXX people internally at Wells Fargo XXXX XXXX fraud department. Due to the events that I have already reported in my previous calls and reports to XXXX XXXX XXXX XXXX Customer Service at Wells Fargo and my emails to FBI. Once again today, there was a reordering and reposting of authorized pending transactions. On XX/XX/XXXX I made a purchase for either {$4.00} or {$4.00} at XXXX XXXX and that left {$0.00} in my account. I verified my account balance yesterday from the phone in my hotel room that seems to be monitorired or tracied dialed and yesterday that verified my balance from XX/XX/XXXX and also XX/XX/XXXX. This morning there was either a balance of - {$2.00} and h there was not any {$3.00} charge from any service fees or debit card transactions on. Someone either deducted and changed the balance of my account through reordering of my transactions from what appeared to be either hacks on my RFID cards as I cut up my XXXX bank card yesterday and also while I was at Wells Fargo today I cut up my debit card ending in XXXX. This fraud the same fraudulent occurances on my wells fargo account has occured multiple times in many years and evident from people I have also reported as part of other FBI investigations and Social Security XXXX proceedings that include the XXXX named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX of Wells Fargo himself and or others internally at Wells Fargo Fraud department people in the payments industry and people I networked with that hacked my computer and passwords accessing my accounts. There were ID theft issues from Wells Fargo that got wrapped up previously but they have not fixed their fraud problems. THIS CONTINUES TO COMPROMISE MY SAFETY AND SECURITY AND HAS ALSO CAUSED MORE HACKS ON MY PERSONAL DEVICES INCLUDING MY XXXX AND COMPUTER THAT IS A RESULT OF MY REPORTS TO FBI AND XXXX AND MY EMAILS AND LEGAL NOTICES TO XXXX XXXX XXXX, CHAIRMAN OF XXXX. THESE ALLEGATIONS ALSO INCLUDE THAT PEPOLE LIKE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AND OR THEIR AGENTS AND HIRED TECHNOLGOY CONTRACTORS OR AGENTS ARE ALSO INVOVLED FROM MY PURSUIT OF MY OWN BUSINESS IDEAS THAT I CREATED THAT I OWN THE I POSTED ON MY XXXX PAGES. THEIR HACKS AND FRAUD ON MY ACCOUNTS ARE VERY CONCERNING GIVEN HOW MANY TIMES THIS HAS OCCURED AND EVERY TIME REPORTED TO WELLS FARGO AND XXXX TREASURY CFPB, PLEASE MAKE SURE XXXX XXXX IS AWARE OF THESE AND ALL REPORTS I HAVE SUBMITTED REGARDING MY WELLS FARGO ACCOUNTS AND MY XXXX AND XXXX ACCOUNTS. REGARDS, XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in XXXX XXXX the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via XXXX XXXX 35 Equifax 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. XXXX XXXX and Equifax also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.
Product: Credit reporting or other personal consumer reports

I am subscribed for MyEquifax from Equifax XXXX XXXX and give me the same error to call an agent and give me the screen blank and they verified my user details many times on XX/XX/year> and they still can fixed and they can not connect Equifax Credit report with any third party vendors I already purchase the monthly price This has been occurring for such a long time Please HELP HELP Cheers XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  ; XXXX ; XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 an 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

The Midland Credit Management continue to call my job after telling them to decease. 
The dates and times are ( XX/XX/XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX  ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with an ID theft report to TransUnion on XX/XX/23. XXXX had 4 days to block the fraudulent inquiries and they are still on my credit report. They have extended the complaint response time to the CFPB, which is fine, but they still have to follow FCRA block procedures. I identified the fraudulent information, I provided ID, and I provided a valid ID theft report, so the fraudulent inquiries must be blocked. Please make XXXX  follow the law within the FCRA specified timeframes. 

XXXX took care of this right away but not XXXX.
Product: Credit card or prepaid card

BANKAMERICARD Why was the minimum payment of {$53.00} ( XX/XX/XXXX ) increased to {$210.00} ( XX/XX/XXXX ) in one month with no corresponding increase in purchase/charges and with no explanation? 

BANKAMERICARD was contacted via chat with no relief offered or granted. 




Month/Year Minimum Payment Required PER BankAmerica XX/XX/XXXX {$58.00} XX/XX/XXXX {$57.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$270.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$680.00} XX/XX/XXXX {$730.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$870.00} XX/XX/XXXX {$940.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} XXXX {$1100.00}
Product: Debt collection

I received a letter from TrueAccord, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named XXXX. XXXX appears to be either owned or associated with an online lender by the name of the XXXX ( XXXX ). Both entities appear to be managed by XXXX : XXXX references XXXX Tribal Complaint Hotline ; XXXX references the XXXX. According to TrueAccord, the loan in question was made to a person unknown to me, named XXXX, who used my credit details to obtain the loan. I am not sure if XXXX Tribal Councils are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.
Product: Credit reporting or other personal consumer reports

Jefferson Capital llc a debt collections company has reported on my credit report that i owe {$340.00} debt. I've requested on multiple occasions for verification of said debt and Jefferson Capital hasn't sent me verification of debt. I have no contract with Jefferson Capital. I've never had a contract with them. My credit score has dropped XXXX points over night because of this unverified alleged debt Jefferson Capital reported. Again I have never had a contract with them. They are using my private information which goes against the privately Act Of 1974, 15 USC 1681c-2, HJR 192, 15 USC 1692g , 15 USC 1681a , 15 USC 1681 ( b ), 16 CFR 313, 16 CFR 313.2,15USC 6802. They are acting in dishonor and its effecting my credit score.
Product: Credit card or prepaid card

In XXXX I opened a Capital One Credit Card when I received the 0 % interest offer in the mail for transfer balances and purchases. The 0 % was good into the later part of XXXX. ( I want to say XX/XX/XXXX ). After opening the card online, I called and verified the credit card offer of 0 %. The customer service representative stated I was correct with the details of my offer, the 0 % on transfer balances, and I had to wait 10 days to transfer the balance after my card was opened. I waited the 10 days and then transferred a balance of XXXX. When I received my first bill due XX/XX/XXXX I called Capital One asking why there was interest reflected on my statement as this was supposed to be 0 %. The customer service representative took the time to confirm my account was 0 % and that the interest reflected on the statement was for the transfer balance FEE. I said ok and asked him what my next statement min payment was going to be if I paid the min balance due which was XXXX. He spent several mins calculating the min payment and even put me on hold to calculate the payment. He said it would be XXXX. Today when I got my statement there was an interest charge of XXXX. I called Capital One and they then stated that my card was not interest only on balance transfers only purchases. I was misled by TWO capital one representatives when I called to verify the details on my offer. Today I requested that they close the account and take off my interest charges for the month since I was misled by not one but TWO representatives. Capital one even confirmed they saw the two phone calls logged on my account but refused to waive my interest for the month. I have no problem paying the transfer fee of the 3 % that I was told I would need to pay. However, I find it misleading and unacceptable when I as the consumer educated myself on the product they were offering me,,, twice! I am looking for the CFPB 's help to ask capital one to remove all interest charges on the account since it was opened. I will pay the 3 % offset of the fee for balance transfer. However, because of the amount of interest they have charged me, I now owe more than I originally transferred on the card.
Product: Debt collection

Bureau of medical economics, XXXX AZ XXXX ; has put a debt belonging to my oldest son, XXXX years old now 2 times in my Credit Report, first in XXXX XXXX and the 2nd time on or about XXXX XXXX, both times I call them and explain them was n't my debt and they knew was n't mine when they ask me for my social security number but they told me both times I had to make my Son paid them the debt so they can take it out of my Credit Report, both times I left feeling like am a hostage during this process, had to hire an attorney to dispute both times and last time I was or in the process to apply for a loan to buy a property in XXXX , AZ , when I call the Bank they told me I will still qualify but my interest rate will be higher because of the derogatory information on my Credit Report, In XXXX my Lawyer send a letter to this Company to pay me {$2000.00} in damages and they never respond or pay, I believe taking somebody hostage to make somebody else to pay a debt is a CRIME! I have recordings were they say do n't care and they wo n't take the false information out of my Credit Report unless my Son paid them.
Product: Credit card or prepaid card

XXXX XXXX Genesis FS Card Service is all of a sudden charging a way higher monthly charge when my balance is actually less than it's been in a year. 
I have a {$1500.00} Credit limit. I currently carry a balance of {$810.00} and they are charging me a monthly charge of {$90.00}. I called them on XX/XX/XXXX @ XXXX and disputed the charge. They couldn't explain why the sudden increase and said they would have someone call me regarding the dispute. That never happened. The fact is that in the past my balance/ monthly charge have been the following.. 
XX/XX/XXXX {$870.00} {$72.00} monthly charge XX/XX/XXXX {$950.00} {$73.00} XXXX/XXXX {$930.00} {$47.00} XX/XX/XXXX {$970.00} {$49.00} XX/XX/XXXX {$1000.00} {$53.00} XX/XX/XXXX {$1100.00} {$55.00} XX/XX/XXXX {$1100.00} {$59.00} XX/XX/XXXX {$1200.00} {$64.00} XX/XX/XXXX {$1200.00} {$63.00} XX/XX/XXXX {$1300.00} {$66.00} XX/XX/XXXX {$1300.00} {$69.00} XX/XX/XXXX {$1400.00} {$70.00} This is the last statement available on line. 

But as you can see, I've carried higher balances and my monthly has adjusted accordingly. But when I asked them to explain how they came upon charging me {$90.00} they said it was due to the purchase I made back in XX/XX/XXXX. Funny, because my statement with my charges from XXXX were posted on my bill due on XX/XX/XXXX, since the statement closing date is XX/XX/XXXX. In the month of XX/XX/XXXX I also paid down my card making a total of {$880.00} and the new purchases were in the amount of {$190.00} and {$690.00} ( which has a promotional 0 % until XX/XX/XXXX ). 
Are they trying to penalize me for paying down my card?? I paid off 90 % of my previous balance before the closing of XXXX and all of a sudden starting XX/XX/XXXX my monthly charge sky rocketed. 
Like I said, I called them was on the phone for XXXX minutes and they couldn't give me an explanation of why they were now charging me {$90.00}, they said someone would call me back since I was disputing the charges and no one did. I didn't pay the {$90.00} due on XXXX ( also now I'm not allowed to pay my bill early, it can only be on the due date ) so they are now charging me {$180.00}?????? They are very unprofessional and it's evident the staff is not well trained and management does not care about resolving a customers issue with billing. Since closing my card is not an option because it would hurt my credit, I come to you to help me resolve this. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Acxiom I am writing to file a formal complaint regarding the unlawful blacklisting of my email address across several major email blacklist databases, which has caused significant distress, damage to my identity and the hindrance of my ability to conduct legitimate business. 

Despite my repeated attempts to resolve the issue directly with the companies involved, my email address remains on the several blacklists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acxiom, 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 and other similar lists. This situation is causing undue harm, as it severely impedes my email deliverability, affects communications, and diminishes my ability to engage in important financial and business dealings. 

Unlawfulness of blacklisting practices like the ones mentioned above operate without sufficient regulation or oversight, and often have no clear process for disputing or removing erroneous listings. As per Federal law, particularly under the Federal Trade Commission ( FTC ) Act, any action that causes or attempts to cause harm to a consumers business or reputation must be grounded in legitimate, verifiable reasons. Many of the blacklists in question do not provide adequate transparency or due process, violating consumers rights to fair treatment. 

The indiscriminate or arbitrary inclusion of email addresses on these blacklists violate the Fair Credit Reporting Act ( FCRA ), which governs the accuracy, fairness, and privacy of consumer information in reporting agencies. Furthermore, some blacklists, especially when maintained by organizations with limited regulatory oversight, are in violation of anti-trust laws or consumer protection statutes due to their opaque decision-making processes and the lack of any uniform or transparent procedures for dispute resolution. 

Being placed on these blacklists has caused significant damage to my identity. The negative impact on my ability to send emails has resulted in significant distress. My identity has been unfairly tainted by the action of these blacklist organizations, which have long-term consequences for my credit, financial standing and personal well-being. 

The harm caused by being blacklisted extends beyond identity damage. I have experienced direct financial losses due to the inability to communicate effectively, delays in critical communications, and a reduction in client trust. Additionally, the distress of dealing with this issue- without a clear path to resolution- has caused emotional strain, as I have had to repeatedly dispute erroneous blacklisting entries without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

I had unathorized purchases on XX/XX/XXXXand citizes has refused to correct, put my monwy back in and charged me {$100.00} fees