23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call on XX/XX/XXXX from XXXX at Southwest Mediation services. The phone number was XXXX. XXXX left a message saying that I was " directly involved in a potential civil action. '' I returned the call. XXXX told me, " I am not a debt collector, I am a mediator. '' She explained that she represented a firm called XXXX, from which I had allegedly obtained a 5 year subscription to a number of magazines. She told me that these magazines were delivered to me at XXXX XXXX XXXX XXXX ( I presume in XXXX XXXX, because this address is near where I now live ). In subsequent communication via the XXXX XXXX XXXX complaint system ( I received a reply on XX/XX/XXXX after filing a complaint on the XXXX ) the company says I did this " while employed at XXXX XXXX XXXXXXXX XXXX XXXX In the original call, XXXX said that I stopped paying this subscription at some point before XXXX, at which time it was taken to collections. She said that XXXX was now going to sue me for {$4100.00}, and that she needed to " decide how she would rule on this. '' She wanted me to settle the alleged debt for a smaller amount, and she was prepared to take payment directly. 

I have never subscribed to these magazines, have never lived or worked at that address, and did not even live in New Jersey at the time this " contract '' was allegedly executed. No collections have ever appeared on my credit report. The caller spoke as if they were an officer of the court, and attempted to strong arm me into paying. They said I would be sued if I didn't pay. And even if the subscription defaulted in XXXX ( which I adamantly deny ), the statute of limitations for collection has run out anyway. And we won't even start on how to get {$4100.00} out of a default on a magazine subscription. 

This firm is probably just committing a fraud, but are at best a debt collector masquerading as some kind of court-authorized official. They are not a mediator. For mediation to occur, both parties must voluntarily enter into mediation. I have not done that. A mediator hears both sides, and uses that information to render a fair decision. They provide only one side of the case, and do not listen to the other side at all. A mediator would listen to one party saying that they have evidence that the claim of the other party is false. Instead, they lean on one party at the behest of the other. And, they want that party to pay them directly, to make the case go away. A mediator would not do this. So they are a debt collector. Even the language they use in response to my complaint and throughout on the XXXX site ( We will send this account back as refusal to pay ) is the language of a debt collector. 

But far from collecting a legitimate contract debt, I believe this firm is simply perpetuating a fraud, which judging from the depth and breadth of complaints against them on the XXXX side, is widespread.
Product: Vehicle loan or lease

I have heard that Wells Fargo is being sued for not doing right by customers from XXXX. My wife and I had a vehicle loan through Wells Fargo for a XXXX XXXX and it was almost repossessed and we also had XXXX insurance through them. We also recieved letters a few years ago and a payment for them doing us wrong and charging to much etc. I am curious if we should be part of this current settlement due to them overcharging and whatever else they did wrong by us. I feel like we should since we had the loan with them after XXXX and before XXXX and was already made aware of of account being wronged by them a few years ago. If we should be part of this settlement I would like to be made aware asap and get what is owed to us for them doing us wrong and almost causing our car to be repossessed and our XXXX insurance. Please contact me at XXXX. My name is XXXX XXXX and the account was in my name. I live in XXXX XXXX, XXXX  XXXX.
Product: Debt collection

Ive been receiving numerous phone calls yet no messages left. Today I received a bill in mail for {$100.00} without any info. I called was disconnected. 
I do not want this company XXXX  on my credit report. I want the calls and bills to stop.
Product: Credit card or prepaid card

Date : XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Card Company 1 XXXX Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>, XXXX Equifax I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

these debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 step validation procedure which makes these unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax along with XXXX  and XXXX  refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have called by phone multiple times, emailed multiple times ( XX/XX/XXXX and XXXX and XXXX ) for which I have copies, and sent a written letter on XX/XX/2020 to my mortgage servicer, Wells Fargo Bank, requesting a 6 month forbearance under the CARES Act as I have had not income for nearly 2 months and my business has had a 90 % reduction in income due to the Pandemic. I know that XXXX XXXX   owns my mortgage. I have been put on hold for hours, and had only form emails and letters in return none of which is in reply to my clearly expressed request for a 6 month forbearance. Wells Fargo has replied in a form letter that I will have a 60 day deferral at which time i will owe full back principal and interest as a balloon payment. I do not have any other options to contact Wells Fargo and all attemts to communicate which have taken hours do not get me to a real person but only result in form letters that are not responsive to my direct request made with identifiers of my loan number and numerous ways to contact me. 
Please help me get a direct response to a simple direct request that I know is provided for by the CARES Act that I will receive 6 months forbearance.
Product: Mortgage

I just received a notice from Chase advising that my property is in risk of foreclosure and that my debt owed is {$9400.00}. They also claim my loan is 63 days late. I have made payments every month
Product: Debt collection

Syndicated Office Systems d/b/a Central Finance Control has placed a collection on my credit report. This was placed on my credit report in XXXX 2016. I have not once received a phone call, notice, statement or any other information from this collection agency. I have called them countless time, mailed letters and send fax to this collection agency. Five months later I still do not and have not received anything about this debt that is on my credit report. 
I have without fail contacted this agency, my attorney has contacted them and neither of us can obtain any information on this debt they have placed on my credit report. 
The amount of this debt placed on my credit report is {$88.00}. I have faxes from myself and my attorney on this matter, letters mailed that were returned to me. Their customer Service Reps. will not speak with me nor with they comply with any request to mail me record of this debt.
Product: Checking or savings account

I 'm an independent contractor, a US citizen living in the US. I opened a Capital One 360 checking account on XXXX XXXX, XXXX. I deposited {$50.00} through XXXXl from another account then received payment from a company for contracted services through wire transfer, The company is based in XXXX. The name of the company is XXXX. XXXX XXXX XXXX they are a legitimate company that I have known for years. They sent 2 payments through wire transfer. The payments both cleared. The last one was sent XXXX XXXX, XXXX. Because I liked the service I had receive I had my daughter set up an account with them. I then sent her money to help her with rent and food. Then yesterday XXXX XXXX, XXXX I noticed the money I had sent her was back in my account. I called Capital One to find out why. They said they were unable to help me and transferred me to their security team. The security team said due to an internal audit that they are closing my account and due to security reasons they can not tell me why. They said the only way to get the money in my account was to have the originator of the funds to request it back. My daughters account is now over-drafted and I had to make a very embarrassing call to the company I 'm doing work for. The company does not know how to get the money because it 's a cleared wire transfer. I 've tried to call Capital One back and I only get customer service reps that ca n't help me and transfer me to an answering machine where I have left several messages and no one calls me back.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on thier platform, leaving my account vulnerable and unprotected. Furthermore more the dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused me significant inconvenience and financial loss amd I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Hi, I purchased my XXXX XXXX XXXX in XX/XX/XXXX brand new at that time. I've been paying on my car and making payments, on up until the end of XXXX XX/XX/XXXX I became severely XXXX, not only did I catch the XXXX, I had the XXXX, and a XXXX XXXX XXXX XXXX all at the same time, my symptoms were so severe that I was XXXX  for eight weeks, I have doctors statements to prove it, my XXXX  cause me to be XXXX XXXX XXXX XXXX XXXX XXXX, every step of the way I called, I also called and explained to them I was denied of unemployment 3 times, fast forward to XX/XX/XXXX, I made two payments in XX/XX/XXXX, my only two payments that I received from XXXX, I didn't pay my rent prior, I paid CapitalOne Auto finance company first. Prior to me making the payments I was extremely detailed, I wanted to be reassure that my car wouldn't be repossessed, I was told by multiple representatives at CapitalOne auto finance that I had thirty days before my car will go into repossession, fast forward to XX/XX/XXXX my car was repossessed before thirty days with all my identifications in the car, along with my mailbox and my groceries in it. My car was almost paid off, the CapitalOne auto finance company representatives scammed me out of my monies, I was bamboozled, hustled, and taken advantage of. The company knew I was going through extreme severe hardship, and CapitalOne auto finance played on my vulnerability, my desperate needing for my car, and my weakest. 
I'm requesting for my car to be returned back to me, and to be giving the thirty days I was told I had to pay over the phone by CapitalOne auto finance representative, please, thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 me the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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.

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. 


XXXX FCU - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX 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.
Product: Payday loan, title loan, or personal loan

I would like to clarify that I did not receive a loan, but was approved for a loan. After reviewing the terms, I called to cancel and withdraw my loan application. I was called repeatedly by XXXX XXXX as well as her Supervisor, XXXX demanding I explain to them why I was not interested. I repeatedly requested that my application be canceled. I do not have to provide a reason for doing so. 

The pressure sales tactics of this company are criminal. Once an applicant calls and identifies that they no longer wish to proceed that should be the end of the conversation. 

Please investigate the aggressive sales tactics of this loan company.
Product: Mortgage

I write this formal complaint against a loan lender company named, XXXX XXXX Mortgage, XXXX. I believe it is subsidiary of United Security Financial Corporation, XXXX XXXX, IL. This is regard to a dispute that has since occurred from XXXX of this year, 2015. They are the company that finances our 30 years fixed rate FHA Loan. Prior to this company, we had XXXX., located in XXXX XXXX, IL. XXXX sold our loan to XXXX XXXX at the beginning of XXXX of 2015. Prior to becoming a part of XXXX XXXX, we never missed our monthly payments. Attached, you will see payments ' history with XXXX while servicing our loan. There has been no deficiencies from the date they took over our loan. 
Since the loan was transferred to XXXX XXXX in XXXX, we began making payments as required. However, it came to our attention that our XXXX payment was not received, when in fact there 's a bank withdrawal statement which showed that the amount in question was paid. From the onset, XXXX XXXX stated the payment was rejected by our banking institution, XXXX XXXX due to insufficient fund, which was untrue. A copy of the bank statement indicating the amount being withdrawn is attached. After several calls and denials that the XXXX payment was not paid to them, we have to request printouts of payments made. As a matter of fact, we requested printouts of checks leading up till XXXX from the same bank. XXXX of the bank representatives was on the phone with a customer service Rep from XXXX XXXX, XXXX XXXX XXXX, and it was confirmed that there were sufficient funds in the account to ascertain that the XXXX payment was cleared. 
In recent time, the newer claim from XXXX XXXX has been, that XXXX stated that our XXXX payment was rejected. See also the attached document as well as a print out history from XXXX. 
Below is a communication dated XXXX XXXX, 2015 from the XXXX XXXX Rep previously mentioned : Hello, Please see attached letter written to us from XXXX. They are stating that the pmt you made on XXXX/XXXX/2015 was returned by your bank on XXXX/XXXX/2015. Please refer to your bank statements for those dates to see if that information matches with your statements. I have also attached the statement from XXXX verifying pmt was returned. 
XXXX XXXX, Customer Service Representative | XXXX XXXX , XXXX. 
Your partner in the mortgage industryPhone : XXXX : XXXXXXXXXXXX | XXXXIn light of the above, I write to request your intervention in order to resolve this matter so that I will not have to bother with a barrage of phone calls, mostly at night and constant harassment from these folk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Transunion to remove erroneous information on my credit report and the information is still on my report. I have enclosed the letter. I want this information removed once and for all. Thank you. XXXX XXXX
Product: Mortgage

loan was sold by XXXX to Freedom Mortgage XX/XX/XXXX. At the time I was in the process of Bankruptcy ( XXXX ) XXXX transferred my escrow balance to Freedom mortgage. XXXX  file a claim with the trustee for an escrow shortage. There as not a shortage. The property taxes we anticipated to be XXXX when the bill came out in XX/XX/XXXX. However, exemptions were file with my county and the taxes are now XXXX. Freedom Mortgage paid the taxes XX/XX/XXXX in the amount of XXXX but never went back and release the claim and issue a refund. Then Freedom mortgage file a claim for the insurance XXXX was XXXX but increase to XXXX. Keep in mind there was still and overage in the escrow account. Current XXXX XXXX which is correct and covers the XXXX shortgage. However they are collecting XXXX for a non exsisting escrow shortgage from the XXXX trustee since XX/XX/XXXX which Iam also paying in the monthly mortgage payment. Therefore Freedom mortgage will only say the money is for the XXXX shortgage and no mention of the tax money ( overage ) they will not address. 
Freedom owes me {$2000.00} plus XXXX. I have been sending email and calling Freedom but they will on again address the current claim for the hazard ( all invaild ) I have also emailed my XXXX attorney XXXX XXXX with XXXX XXXX XXXX ( XXXX ) She only says for months they are waiting to hear from Freedom.
Product: Mortgage

I 've been fighting foreclosure on my home for several years. The current mortgage servicer is Seterus. I retained  XXXX   XXXX   XXXX  to avoid foreclosure without bankruptcy. That 's another issue.      XXXX  was trying to get the sale dismissed while we were going for a modification. He informed me via email he 's just spoken with Seterus and their attorney and they said they 'd consider it if I made some changes to the  P & L in m y modification application. I had a month of losses. they requested that I   XXXX    out the loses and expenses.     It turns out submitting false information on a bank loan, which is what a modification is, is fraud. In PA this is soliciting fraud. Und er US la w this is bank fraud on the part of Seterus and their attorney. That my lawyer,  XXXX  went along with it makes him an accomplice. There 's a story behind that as well.     I had a sale date on my home coming up the following week. Seterus was obviously trying to run out the clock so I could n't do anything about the sale.  XXXX , again, there 's a long story behind this, was backstabbing me and wanted to charge me for a bankruptcy.      XXXX , if he 'd been acting in my interests, could have recorded the call confirming what Seterus wanted and used that as leverage against them to come to a settlement on my home. Instead, he chose to help them for his own gain. So there are problems with the servicer Seterus, their attorney 's  XXXX   XXXX  and my own attorney,  XXXX   XXXX   XXXX .     The email sent by   XXXX   representing the request of Seterus and their attorney was  X/X/14    at  XXXX   XXXX . He 'd claimed to had just gotten off the phone with them.     I have much more in the way of documentation how my own lawyer was backstabbing me but this is the biggest and most important. Representing me properly when they made this request could have completely resolve the issue of the foreclosure of my home just by it 's criminal nature and how serious a crime it was. it 's my understanding that bank fraud is a minimum o f 5 y rs in prison..     I 've attached the first email of  XXX  requesting on behalf of Seterus and their attorney to falsify the P & L in my modification application. I have more emails in support of this.     Before you contact Seterus, you should contact  XXXX   XXXX   XXXX . Seterus has a way of disappearing information. they later claimed they did n't have recordings of our conversations. Before that, and everyone I spoke to since has substantiated that Seterus records and saves every conversation.     By giving Seterus advance warning, they can make it impossible for you to gather proof that you 'll need as they move to conceal it.