23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom may concern, I fi rst thought that a wasnt being approved for any credit card when I wanted to start my credit journey because I was stillyoung. But when a start the process of buying a house with my husband i found out throught my credit report that I was being charged withaccounts that were not mine. The collections agencies have been calling non stop and threatening me to take legal action on something I have not done.
Product: Checking or savings account

Citibank closed my.account, being a loyal customer for more than XXXX years. I was on the phone for days, they just put me on hold and transfer me to different departments, no one give me any explanation about closing my account, they said just wait for a letter to arrive in the mail. The letter came after XXXX weeks still there wasn't any explanation. After XXXX month, I'm still waiting to receive my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}, XXXX XXXX XXXXXXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give XXXX, XXXX or Equifax permission to furnish these accounts. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

My COMPLAINT IS THAT WELLS FARGO DID NOT ACCEPT PAYMENTS FOR MY HOME MORTGAGE DURING THE HOME AFFORDABLE MODIFICATION PROGRAM APPLICATION PROCESS. This has caused me to be FIVE PAYMENTS BEHIND INSTEAD OF TWO PAYMENTS ... making me a candidate for FORECLOSURE. 
I have applied and reapplied several times for a Home Affordable Loan Modification with Wells Fargo Bank within the last 2-1/2 years or more. Because of the incompetency of the HARP representatives taking my application, there was always another piece of paper to fill out or some other information missing from my application ... and papers would expire and I would have to submit them again ... tedious, time consuming and XXXX.This happened several times and I had to submit a whole NEW HARP application several times and repeat the process once again. Every few months I would be assigned a new HARP representative making it even more complicated and long drawn out. XX/XX/2015, my application was finally accepted as complete but because MY LOAN WAS ABOUT TO MATURE WITH PAYMENT INCREASING IN XXXX, 2015, MY INCOME was insufficient to meet the demands of the NEW LOAN AMOUNT. TOTALLY UNFAIR AND ILLEGAL BANK PRACTICES. 
MY FIRST COMPLAINT is that Wells Fargo did not accept my home mortgage payments during the HARP program application process. I had the money in the bank and still do to catch up with my payments in which I am ONLY 2 payments behind. I have been struggling to catch up with HOPE of acquiring a home affordable loan but now my payment is TOO HIGH for me to catch up and and they are putting me into foreclosure. I have pleaded with them on several occasions to accept my payments and was CONTINUOUSLY REFUSED. 
In XXXX, 2015, my loan was going up over {$1000.00} per month so they stalled their response so that they could base my application information/income ( which was submitted against the prior lower payment ) which was les the {$1000.00} on this new amount and I was contacted with the NEWS that I did not qualify for a HARP because of the income to loan ratio. Tricked and totally stressed and beyond hopeless at this time. 
Meanwhile in XXXX 2015, they changed my Home Mortgage Account number and My ELOC Loan number and mailing address ... again disrupting and confusing. The payment was already sent through XXXX Online Banking and came back causing it to be late. I had to contact Wells Fargo to communicate this with them and that 's when I found out they changed the account numbers and address to where my payment should be sent. I am appealing with you to report them to whoever takes care of banks like this and make them aware of their UNFAIR AND UNSCRUPULOUS BANKING PRACTICES. They should be publically humiliated just like they are humiliating me by putting me into a category of an irresponsible individual. Meanwhile I pay over {$19000.00} a year in INTEREST ONLY for the last 10 years and 9 months. Please help me. My house is on the market since XXXX XXXX, 2015 with a lot of interest. This is the only asset I have and do not want to lose it to an unscrupulous bank like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Debt collection

I have no knowledge or information about this company and have no contractual obligations what so ever with this company. This company is in violation of FDCPA/ Federal rules of civil procedure. They are reporting this false information and trying to threaten me. 

I have no knowledge or information of any such account with this company.
Product: Mortgage

I have applied for mortgage assistance with wells fargo last year but the lender denied the application due to income. My ex-wife wished to keep the house and she applied by herself again with her income. Wells Fargo had used so many reason to reject and refuse to move forward with decision. I believe that Wells Fargo discriminate her marital status since we are on the process of getting final divorce. They keep asking so many different thing which we have attorney set for that and prove them reason but they refused to do anything for us. Wells Fargo asked her XXXX thing Final Divorce Decree and Tenant proof of occupancy. After providing them divorce decree, they said they did not accept the tenant proof of occupancy due to not from their bank. My ex wife is frustrated and she really wants to keep the house and she does not want to loose it. But it look like wells fargo is very eager to eat the house and without helping her. For me, they are seriously violated Fair Housing Act and ECOA Act to provide her fair opportunity to evaluation of her income
Product: Consumer Loan

Payments to my XXXX account were delayed in being posted causing my account to be delinquent. My bureau now shows a 3x XXXX ratings and a XXXX score of XXXX when my historical payment history and credit rating has always been XXXX with no delinquencies. Now causing an issue with my ability to obtain mortgage financing
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency. Reporting in my credit record a collection account that was paid in full XX/XX/2021. Their investigation results ware wrong and keep reporting this account as past due and open.
Product: Debt collection

I began receiving collection letters from RS Clark and Associates on XX/XX/2022 for a medical debt from the original creditor XXXX XXXX Dermatology and I have disputed the several times. RS Clark repeatedly says the debt is verified. I have disputed the debt and per the US Government, all medical debts under XXXX shall be removed from credit reports. The total of this debt is XXXX XXXX
Product: Credit card or prepaid card

I logged on to my bjs perks mastercard that is serviced through comenity bank/bread financial on XX/XX/25 to check on a credit that should been issued. I could not log on and the message said the site was undergoing planned service. I tried the following day and everyday since to log on without success. The company is unavailable by phone to answer questions. My payment due date is XX/XX/XXXX and I was finally able to use the easy pay function however I have not seen that the payment was processed through my Credit Union. This is my primary card so I carry a sizable balance that I pay off in full by due date. I am concerned that my credit score will be affected and that I might be charged interest because the due date passes without my payment processing. The site remains down and the phone line has a recorded message that simply repeats the outage and that they are working on it, call back later, then it disconnects. This is a very worrisome sign. I am also concerned about my personal information being secure with a company that is this dysfunctional.
Product: Consumer Loan

On Friday XXXX XXXX my husband and I ordered something on E-bay for {$9.00}. When we chose our credit card that we have in PayPal, which is a XXXX to pay for it, it came back and said it was denied because we needed to send updated credit card information. So we went back in to PayPal to update our credit card information, which we did, purchased the item for {$9.00} from the seller, got the confirmation from the seller that the credit card was approved and it was being shipped. We were unaware that during this process of updating our credit card we were pressing a PayPal Credit key that was authorizing PayPal Credit to give us a line of credit with PayPal Credit. When we checked our email we had not only the confirmation of the item we purchased form the seller, we had another email from PayPal Credit congratulating us that we had been approved for a {$4500.00} line of credit with PayPal Credit. To our shock and dismay we found the number, which is hard to find, called them to inquire about this and the customer service rep told us that we had authorized this line of credit when we checked the box authorizing it and entered the last four of XXXX social security number. PayPal told us that we authorized this line of credit by giving our social security number and checking the box. We never signed an agreement with them. We asked to have it disappear, like we never authorized it at all and they told us that we had to cancel it but it was still on our credit report. I questioned them saying how could it happen that quickly in two minutes and they said that 's the way they do it. I asked to speak with the customer service reps manager and she obliged, so I spoke to XXXX XXXX, I explained the situation. He told me again we had authorized it, we were not scammed, and that we could cancel it but it would still appear on our credit report. I told him that was fraudulent and I felt scammed. I told him I would be pursuing this with one of the government agencies when they opened on Monday. I have not cancelled the account because I was afraid to, that that might determine I was admitting guilt for something that I opened that I did n't open.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulets accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My social security number XXXX on my experian credit report theirs is negative item from XXXX XXXX the balance is XXXX the account is a fraud account please have experian remove the account in 24 hours I have a federal trade commission identity theft report on file normally they will remove the negative item also I have 3 hard inquiries that are fraud please have experian remove them from my report
Product: Credit reporting or other personal consumer reports

There was a hard inquiry from Capital One on my credit report on XX/XX/year> using an old address I have not lived at for almost 10 years and a phone number that does not belong to me. I have not ever tried to open an account with capital one. I contacted them and they said someone applied to open a business account with my information.
Product: Payday loan, title loan, or personal loan

this was a online loan with XXXX 's XXXX  and they finance through montery finance ... i made an agreement for a total purchase of {$770.00}. The n let see the finance agreement and they said i would pay back {$1700.00} dollars ..Im like that's a scam ... 
So I canceled the contract ... now they are still trying to draft money out of my account which I called my bank and they stopped payment to montery finance ... I was this problem solved as soon as possible!! Thanks XXXX XXXX
Product: Student loan

I have private student loan with navient I am currently paying based on my income however it is very expensive and I ca n't afford the payments .i am set up for automatic payments each month based on my payday and they are charging me a late fees each month also the amount that I am paying is only being applied to XXXX loan and not all of my loans. I have co signers and I am feeling I am drowning in this debt I have to reapply again XX/XX/XXXX for this income based program and it wil most like go up which I can not afford. I am currently paying XXXX per month, this is up by XXXX more than I paid last year and my balance does not seem to be going anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a mortgage on my account that has negative information I never had a mortage in XX/XX/2019 nor the years on my credit report. XXXX XXXX  XXXX I never was late. Its weird how they are reporting different information on each credit report. I read that the ftc said that its against the law to add inncorrect information on a persons credit report. Its against my rigths to report inncorrect information. Lead bank also reported me late.too. I work hard to keep my credit good. Lead bank and XXXX XXXX XXXX are reporting lates thats not correct. 

please remove these incorrect information from my accounts I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even XXXX XXXX XXXX XXXX XXXX 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

After paying on time for many years, Wells Fargo mortgage encouraged me to stop making payments in order to be late and eligible for a mortgage refinance on special terms. I have all documentation of everything. The company foreclosed on my farm and house while I was out of town in another city with my family attending college.
Product: Credit reporting or other personal consumer reports

XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX is on my credit twice for the sane day XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX these companies has pulled an hard inquiry that i did not obtain, please remove from my credit report. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

I called several times to Capital One to check balance knowing a promotion of 0 % interest was on the account to check expiration date and about to pay to avoid interest. A credit of {$21.00} came in and reduced the balance. The agent told me to pay to full balance even quoted the amount to pay. I rounded up to the nearest dollar and paid {$8100.00}. I was charged interest and told because I subtracted the credit which reflected a change in the amount due Im subject to the interest. WHAT! Keep in mind the agent told me to pay the balance. The agent refused to make the adjustment because they are not allowed to credit interest charges, supervisor XXXX ID XXXX said the same then told me hes the highest level authority. This is a loan shark tactic and fraudulent business practice. I want this interest charge removed from my account
Product: Debt collection

Harassment and Unfair Lending Practices by FCC Finance Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against FCC Finance regarding their ongoing harassment and what I believe to be unfair lending and collection practices. 

In XX/XX/XXXX, I took out a loan with FCC Finance in the amount of {$6000.00}. Since then, I have been making consistent monthly payments of {$150.00} without fail, missing only XXXX payments due to a simple oversight when funds were not transferred to the proper account. Despite these XXXX minor lapses, I have remained committed to honoring my financial obligation. 

I want to highlight that I have been paying diligently for over XXXX years, totaling approximately {$5500.00} in payments to date. However, despite making nearly the full amount of the original loan, I am still being told that I owe a remaining balance of {$3100.00}. This figure seems excessively high in interest especially considering the amount I have already paid. I am deeply concerned about the transparency of this loan and whether the applied interest and fees are fair and lawful. 

Adding to this, I was laid off from my job in XX/XX/XXXX, but I have continued to prioritize this loan and make payments even in difficult financial circumstances. When I recently missed XXXX payments due to this hardship, I proactively reached out to FCC Finance to explain my situation and seek a reasonable resolution. Unfortunately, they have shown no empathy or willingness to work with me. 

What has been most distressing is the sheer volume of harassment I have endured. In the past 7 days alone, I have received XXXX phone calls from FCC Finance. This level of harassment is unacceptable, invasive, and emotionally exhausting. I feel trapped and bullied despite my clear track record of good faith payments and communication. 

I am respectfully requesting that the Consumer Financial Protection Bureau investigate this matter and intervene. I am seeking relief from the harassment, a fair review of my loan balance, and a reasonable resolution considering the circumstances. Yesterday alone, they've called me XXXX times, Wednesday XX/XX/XXXX they called me XXXX times, XX/XX/XXXX they called me XXXX times, XX/XX/XXXX XXXX times XX/XX/XXXX 7 times and i have to block them because the calls are overwhelming. I have times stamps of all calls. 

Thank you for your attention to this matter. I trust that you will handle this complaint with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Mortgage

This complaint is related to our previous complaint under # XXXX. You accepted bogus and fraudulent answer of the bank and I have to file a new complaint to provide evidence that the answer was fraudulent.
Product: Checking or savings account

During the CORONA VIRUS pandemic THE BANK PNC withheld my fund fraudulently without any reason and authority. BOTH my saving and checking account was withheld as I could not withdraw money from both my checking account or saving account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).