23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 XXXXXX/XX/XXXX The following inquiries were not and should not be reporting.

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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: Credit reporting or other personal consumer reports

XXXX  Block Request Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Credit card or prepaid card

Td bank credit card XXXX has called my phone three times a day in a 7 day time span They have violated Regulation F in regulation f a debt collector may call you one a week i have phone records and may bring this to federal court if my account is not reopen
Product: Credit card or prepaid card

I had 3 credit card accounts with Chase. On XX/XX/2020, I made a {$330.00} payment to one of my cards. However, I miscalculated other expenses drawing on that account and when the payment posted, there was not enough money in the account. The payment bounced. On noticing this, I made a new payment of {$200.00}, which successfully posted on XX/XX/2020. 

On XX/XX/2020, the bank reattempted the missed payment and it bounced again. I did not know the payment was going to be reattempted. 

On XX/XX/XXXX or XX/XX/XXXX, I logged into my online account and saw that all 3 of my cards were marked as closed. I called customer service and they explained that this was due to the returned payment issue and stated they had sent me a letter. They indicated there was no reinstatement available. 

I am a regular user of all 3 cards and I always make on-time payments and nearly always pay off my card in full.

I live overseas and do not receive my mail on time, so I don't know when this letter Chase references may have been sent. I do know that in this day and age it is only reasonable to provide a message notification in the online portal as well. Chase also should have provided a warning that another returned payment would result in closure of the account, and either advised me that they would close ALL my accounts or only closed the one at issue. The sudden closure of all 3 accounts with no warning is unfair, as is the lack of ability to dispute the issue internally -- the customer service supervisor told me that when the bank closes the account the decision is always final.
Product: Debt collection

They call often, at least 4 times a week, including on weekends, and ask for my name, by first, middle, and last name, and if I confirm that it is me, they tell me to hold while they transfer me. They will not identify the company they work for, who the debt is from, how much it is ... Only one time did they actually say that it was an attempt to collect a debt. NO other information was given and they put me on hold even if I ask them for more information. I waited on the line for at least 30 minutes before I hung up. 

The calls always come from XXXX and it is always someone with a heavy, unintelligible foreign accent. I am beginning to think they are a scam and not a true debt collector.
Product: Debt collection

See the letter attached : XXXX/XXXX/2017 Zenith Financial Network ( ZFN & Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Stop calling me. This has been my number for 17 years. I continue to get calls from ZFN daily at XXXX XXXX. You are looking for someone named " XXXX ''. There is no XXXX at this number and has never been. Every time, and I mean each and every time, your agents call me they are rude and have the nerve to tell me to mind my manners - EXCUSE me XXXX, you are calling me at XXXX XXXX almost every single morning even after I 've wrote your company twice already and am constantly put in the position of having to explain this issue to your collectors who call me. What the XXXX? Are you just XXXX or do you just feel it is within your right to treat people who have no association with you like XXXX? You are the epitome of a bottom-feeder. This is the classic legal definition of harassment. I work at home. The telephone is my tool to do my work. I live with my wife and XXXX minor daughters. My wife and I have never, ever been late on any financial responsibility much less had the need for a collector to contact us. In fact, I am a consumer financial regulatory consultant working in the industry for 26 years. My job is contingent on being financially responsible for which I am required to certify twice annually. I know a thing or XXXX about debt collection laws and your action clearly demonstrate that you are not compliant - ILLEGAL is the accurate word for your business practices! 

This is my XXXX, and final written warning. This combined with the numerous times I have verbally informed your company of your mistake and continued harassment should be enough even for the most lazy, incompetent slackers who are employed by your company to understand that YOU ARE IN THE WRONG. THIS IS NOT A PLOY TO BE SKETCHY AND AVOID PAYING A DEBT. The actions by ZFN are negatively impacting my quality of life and disrupting my professional responsibilities. Your actions are a clear violation of the FDCPA and TCPA. Consider this a formal, and final, cease and desist notification. 

In summary, I have explicitly stated on many occasions, both verbally and in writing : I do not know who you are looking for, You have the wrong number, To remove my phone number from your database/list, To stop calling me, That your continued calling is harassment and illegal. 

By the way, it would be much more convenient for me to call the number listed on your web site XXXX XXXX XXXX ) but the call goes straight to a permanent busy signal. You 're not fooling anyone. This is an intentional effort on your part to evade being contacted.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I disputed a purchase on my account. I disputed this purchase because what I had paid for was not received. After waiting a whole month for resolve and a reply, they said I lacked evidence on not receiving what I purchased, they also made this decision less than XXXX hours of asking me to send evidence and on the app it says I failed to send any evidence at all which is not true at all. They denied my claim and Im left to pay XXXX XXXX  for goods they admittedly messed up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing these accounts the information provided below are inaccuracies which are reporting on my consumer report. I have contacted these credit agencies in regards to this information. Nothing has been resolved on their behalf. 

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
Product: Mortgage

This complaint is related to my home equity line of credit. I have a permanent late fee suppression that was supposed to be placed on my account. In XXXX due to a technical issue they started charging me late fees again. After numerous complaints they admitted their fault and fixed the issue and sent me a letter in writing admitting to their mistake and agreeing to fix the problem and never charge me a late fee again no matter the circumstance. But guess what, Wells Fargo is notorious for failing to live up to this obligations and promises and most recently as of XX/XX/XXXX charged me a late fee again. How is this bank allowed to keep its charter? They have committed fraud across a wide swath of their lines of business which they have actually admitted to, lied to its customers, stolen from its customers, and failed to live up to their obligations. Not to mention lied to the government and regulators as it relates to their cleaning up of past abusive, negligent, and proven fraudulent business practices. I have been damaged in so many ways by this bank but unfortunately since they are the servicers of my mortgage and home equity line of credit, i have to remain dealing with these unethical crooks. On top of that, they have failed to help me in my time of need and hardship to modify my mortgage to an affordable payment. That will be a separate complaint with detailed evidence of their gross negligence and fraud.
Product: Debt collection

Collection was paid in full have a satisfaction letter. I paid this debt in full on XX/XX/18 to Hunter Warfield for the amount of XXXX to account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a
payment on a credit card account under an open plan as late for and purpose.
Product: Vehicle loan or lease

Last Summer in XXXX My XXXX  XXXX  was rear ended and totaled, i had gap insurance they paid out the full amount that honda finance corporation had sent the estimate and XXXX XXXX paid them. the accident happened last summer in XXXX and i was in the hospital for months where honda knew what had happened to my car i have a letter they sent me in XXXX saying we acknowledge your request to cancel the HONDA warranty and sent a check to my lender HONDA FINANCE CORP ( i have a copy ) now the issue is the have billed me for storage and repossesion on my vehicle when they knew it was totaled and sitting in the yard that THEY took it too once XXXX XXXX released the vehicle from inspection so the lender can take it back for and auction it off so they can make something off salvaging the car so i dont understand why i have to pay XXXX XXXX DOLLARS more when they already recevied OVER XXXX XXXX DOLLARS because of GAP insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

This account : XXXX # XXXX which is open on my file since XXXX and causing me a lot of trouble on my daily basis. Is reporting information on my credit report that does not belong to me. Ive already tried multiple times to submit a complaint about this identify theft on this account that does not belong to me. It belongs to a person called : XXXX, XXXX XXXX. Who was born on XX/XX/XXXX. Which is completely not my person. Today I received a called from a collection agent trying to collect this debt while I was at work and while trying to confirm my identity she provided me with the information above. 

Also I have reasons to believe someone else was trying to apply for credit on my behalf since I do have inquiries that I do not recognize. I will have them listed below : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, XX/XX/XXXX EXPERIAN Attached I include a copy of my identity theft report and a copy of my driver 's license for you to confirm my name and birth date. 

Please delete this account and inquiries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXdoes not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of XXXX of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX checks were sent to pay my XXXX accounts with a local utility company. I set up both payments to arrive via paper check ( the only option available ) the day prior to the due date. Both checks failed to arrive on time and I was assess a late fee for each account. This has happened in both XXXX and XXXX of 2022. 

I called XXXX XXXX at USAA ext XXXX who responded to last month 's CFPB complaint in an attempt to process the refund of the new late fees in an expeditious manner. She left me a voicemail telling me she was unable to help and to try the Chat feature on USAA. 

I have spend nearly an hour attempting to explain the problem to the chat representatives and have been unable to yet reach a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I hope you can help me! In XXXX, XXXX, I contracted with Gitmeid XXXX to help me restructure and pay off debts. At this time we had accumulated lots of medical debt, and my husband had lost his job and had to retrain for a new career. We were desperate and under the impression that filing bankruptcy would keep my husband from getting a job in the new field he had just trained in ( also the reason this debt restructuring was done in my name only ).

Gitmeid XXXX has collected {$810.00} per month and that money has gone into an account which they use to pay off creditors XXXX of course they keep fees too ). Two of the three debts I enrolled were negotiated and paid off by Gitmeid XXXX - but I am having trouble with the last amount of debt. 

My account at Gitmeid XXXX has {$8800.00} in it, and my last debt is in the amount of {$23000.00}. Gitmeid XXXX is pressuring me by repeatedly asking me to pay another {$790.00} per month, through XX/XX/XXXX. If I do this, I will have paid {$23000.00} to settle a debt of {$23000.00}. I realize they need to make a profit, but this seems much too high. I have asked them to get me a better deal but they keep telling me this is the best they can do. 

My contract ( with Gitmeid ) says I can cancel at any time, however, my research indicates they will keep the {$8800.00} that is in my account - and ( probably ) keep taking money out of my checking account each month ( unless I close it ).

Gitmeid XXXX claims they are offering to settle my debt for {$14000.00} - but they are not taking into account all the money already paid by me that is in their account for me ( {$8800.00} ). In order for this to be true, I would only need to pay another {$5400.00} ( not an additional {$14000.00} ) Can you help me get Gitmeid to try and settle after maybe another 6 months of payments? These payments have kept my family broke ( my husband is out of work right now and I am XXXX ). I paid a larger amount this month ( {$3000.00} ) because Gitmeid had told me that - if I made a larger payment - my debt would be settled sooner. 

Please let me know if I have any options to get out from under this. 

Thank you for your help!
Product: Mortgage

We have being asking since XX/XX/2020 to do a loan Modification to BSI Financial Services. 
It took them 9 months to send the papers. When they send it the dates were wrong, putting us automatically in default and the terms were unacceptable. They responded that it was non-negotiable. 
In addition they are increasing the monthly payment by 40 % and asking for a {$30.00} payment to pay expenses. 
It is impossible to reach anyone, and when we finally after numerous emails and calls, reach someone they can not discuss, nor decide anything. 

We really need your assistance. 
Thank you
Product: Debt collection

Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Mgmt XXXX XXXXXXXX XXXX XXXX  XXXX Attention : Consumer Support Serv. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA. XXXX XXXX, MI. XXXX Greetings I am in receipt of the attached correspondence from your company. I dont know who you are nor do I have any contracts with you. I have also not authorized your company to use my name in any way, shape or form- as there is a copyright on it. You are FIRST, in violation of that copyright. 

Secondly, this is an attempt to extort using FALSE and MISLEADING information. It is also slander and defamation of character. There is no alleged debt that is verified or validated by your company or any others as stated in the header of your correspondence, because XXXX has redeemed funds from the US Treasury using this security AND a threatening XXXX LETTER does not serve as validation or verification. You are in flagrant violation of the FDCPA. But, nonetheless, I have filed the proper paperwork/forms with the IRS so that you can answer to them about your illegal activities and tax evasion. I am sure they will be glad to examine your books to rectify and VALIDATE/VERIFY where the money is or is going. 

You do have 5 days to cease desist all false reporting, including and not limited to any and all credit reporting agencies.who have been alerted and will be included in any RACKETEERING charges that I file along with complaints to the Attorney General. Your poor reputation precedes you and is well documented. 

Please accept this as your warning and a cease and desist of all activities pertaining to your attempt to extort. The proper authorities will contact you for further investigation and enforcement. 

Have a nice day. 

XXXX : XXXX letter from Midland Funding - copy Name copyright CC : CFPB XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Transaction of XXXX USD at the ( See attachment for name of hotel ) Hotel on XX/XX/2021. 
- XXXX admits that this is an overcharge due to a system failure -XX/XX/XXXX informed the dispute must be filed by bank so that it may appear in their system and they can accept it. 
- XXXX mentions that up to now, no such dispute arrived. 
- I filed a dispute many months ago with XXXX Bank, they returned a false statement of their investigation " there was no error '', which contradicts both my attached evidence and what the hotel is specifically saying. Clearly no effort was made here to contact hotel and validate money they would refund me. 
- My understanding is that there are hundreds of alike issues with XXXX Bank with no resolution. 
- It has now been 5 months and i still do not have my money, no easy way to resolve it, and a ongoing circle of people differing me to others. 

( Please reference attached document for details )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX sent me a credit alert, stating a credit card balance over {$500.00} from Wells Fargo, which I do not have. Someone mustve used my personal info to open a credit card account under my name. I went to a local branch, but they dont see anything strange under my name. The only business I ever did with Wells Fargo was a balance transfer, which I paid off long ago. I never opened up any credit card accounts after that. The alert even showed I had a change of address, which I obviously didnt. This fraud account has dropped my credit score over XXXX points and its concerning me, as I work VERY HARD to pay all my accounts on time every month.
Product: Consumer Loan

Consistent marketing and emails from Wells Fargo Bank regarding loans to help with home repairs were marketed falsely not as installment loans. When talking to loan officers and asking about loan repayment the fixed amounts were never discussed. Assertions that loan was more like a HELOC that would establish a line of credit and would be paid back over several years were stated. 
Did not realize high monthly amount until loan was given. Therefore am going to turn all money back in due to misrepresentation. Wells Fargo bank should be investigated for this practice.