23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Follow up. I am thankful for a response, however the collection agency is avoiding the fact that they're in violation for continuous reporting of an account that they have no documentation to support. 

XXXX, I appreciate your response - however, I have already filled out the XXXX XXXX fraud packet. As stated, I've dealt with them personally. Or attempted to rather, they stated they're no longer liable or responsible, and for me to contact the collection agency. I already completed that packet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian a few days ago because there was an account that was not mind ( XXXX XXXX XXXX  ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX : missed call from XXXX XX/XX/year> XXXX ( call length 22 minutes ) : second call from XXXX stating suspicious activity on my account and asked me about two transactions in NJ. Caller knew my information. I did not provide any information. Stated they needed to cancel my card and send me a new one. They told me my address and I confirmed. Said they would XX/XX/XXXX it to me and if I wanted to waive the signature on delivery I would need to confirm with Wells Fargo code and then they sent it to me. I provided the texted code from Wells Fargo. Was then told they would update my online password with temporary password for my protection. Then they provided me my username and they new temporary password. While on the call I received an email that my password was changed. I then asked what card they were cancelling and they said card ending in XXXX. I realized that was an old card and hung up. I then was looking for a number to call wells fargo. 

XX/XX/year> XXXX : I received an email that a XXXX recipient was added that I did not add. The name was XXXX and email address XXXX XX/XX/year> XXXX : I received an email that {$4000.00} was sent to XXXX XX/XX/year> XXXX : called XXXX and hung up because seemed like the wrong number to call for this XX/XX/year> XXXX : called XXXX call lasted 2 minutes and I hung up because still didnt seem like the right number XX/XX/year> XXXX ( call length 31 minutes ) : called XXXX and spoke with XXXX and explained what happened. She shutdown my online access for my protection and provided me with claim # XXXX said that the fraud office was only open monday to friday and I would get a call monday or tuesday. 

XX/XX/year> XXXX ( call length 1 hour and 3 minutes ) : called XXXX and spoke to XXXX who said my claim was denied but showed they never followed up with questions and said she would resubmit claim. Helped me set up new username and password. 

XX/XX/year> XXXX ( call length 1 hour and 23 minutes ) : called XXXX spoke to XXXX at executive office after asking for manager multiple times. Given phone number XXXX reference # XXXX XX/XX/year> XXXX : Received email from the Line of Business Executive Office confirming case number XX/XX/year> XXXX : Had in-person appointment with XXXX XXXX XXXX at Wells Fargo Branch ( Address XXXX XXXX XXXX XXXX, XX/XX/XXXX, FL XXXX Phone number XXXX XXXX ) XXXX ) to try and get fraud resolved. While with XXXX, I spoke with XXXX on the phone at XXXX who stated this will be investigated further. Then spoke with XXXX who provided Confirmation number XXXX. When I asked what the daily XXXX limit is I was told {$3500.00}. When I asked how a new XXXX recipient was added and thenXX/XX/XXXX {$4000.00} ( Over daily limit ) could occur I was told I dont know. 

XX/XX/year> XXXX : Received email stating case was closed. 

XX/XX/year> XXXX : Had in-person appointment with XXXX XXXX XXXX XXXX Wells Fargo Branch ( XXXX XXXX XXXX XXXX XX/XX/XXXX, FL XXXX Phone number ( XXXX ) XXXX ) to close all accounts and withdraw my remaining funds.
Product: Debt collection

This company send me letters ( most recently on XX/XX/2023 ) claiming that I owe {$110.00} to their client XXXX XXXX. However, they refuse to provide any proof that I owe the money or to support their claim with any facts. I informed them that I have not used services of their client and do now owe them anything. Yet they continue to demand payment. The representatives in their phone center are rude and refuse to stop collection or to provide any facts.
Product: Debt collection

Ocwen starts calling after the first of the month, prior to my payment due date, and do not stop until the payment is processed. I have my payment on auto pay from my bank. They said the calls are mandatory because, their " investors '' have deemed it so. I was given the option, that if I allowed them to draft the payment directly from my bank account through their website, the calls would stop. If this is " technically '' legal, I think that it is barely so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer 's rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX Department of EducationXXXX XXXX- account XXXX XXXX Department of Education/ XXXX account # XXXX Department XXXX XXXX XXXX account # XXXX Department of EducationXXXX XXXX account XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, has violated my rights. I looked at my XXXX report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) XXXX XXXX of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or modified that ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer in according to 15 USU 1681s-2 they are suppose to 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 card

I called today and asked if they have received the verification letters from Delta and XXXX, confirming that I did not make the purchases for XXXX XXXX for $ XXXX have sent Amex proof but they are not telling me if they received the documents.
Product: Mortgage

My mortgage loan was purchased as part of a package by Ditech Financial LLC. 
Every month since the purchase of my loan by Ditech I have made my payments online with extra money added to be applied directly to principle. I do not have any outstanding fees or charges on my loan and my loan is and has been UP TO DATE since it 's inception in 2004. Ditech continually pays my loan forward to ongoing months and DOES NOT APPLY the extra funds to principle as intended. I have called every month since I started to make payments to have these payment reapplied. 
I believe that my mortgage account is being grossly mishandled by Ditech and feel that I have not had the proper amount of principle applied. I just got off the phone with Ditech and once again have requested that my monthly mortgage payment plus extra be applied correctly. I have not been assured that the proper amounts I have been paying extra has been applied correctly and the interest billed is incorrect.
Product: Money transfer, virtual currency, or money service

I inquired about a studio apartment rental in downtown XXXX listed on XXXX. It did n't have the usual scam signs and seemed legitimate. Friends agreed it seemed ok. I was asked to secure my rental with a {$500.00} security deposit, the month 's rent of {$1400.00} and a cleaning fee of {$100.00}. I was sent a lease to sign and the above bank info to send the money. Then they barely responded to my emails as my arrival drew closer. This concenened me as I prepared my departure from the East Coast, headed to XXXX. When I arrived, no one showed up at the apartment and have not heard a word since. I called the XXXX police who referred me to this sight. I have contacted XXXX and " prohibited '' the post. The man 's name was XXXX XXXX XXXX and his email was XXXX His phone number was XXXX. Posting : XXXX XXXX XXXX I  have also since been texted by this person and was advised to block them which I did.
Product: Debt collection

I incurred a medical expense in XX/XX/2023. The bill was paid in full on XX/XX/2023. 

On XX/XX/XXXX, the payment was returned to my bank ( XXXX ) without any explanation. On XX/XX/XXXX, I called the billing office in response to a XXXX bill that I received. The billing office confirmed that they had returned the payment and said that their back office was reviewing, and I should disregard the new bill and wait to hear further. 

On XX/XX/XXXX, I received a second bill for the same amount and paid it in full again on XX/XX/XXXX. On XX/XX/XXXX, I received a third bill for the same amount as the two previous bills. I contacted the billing office in writing giving the details of the XX/XX/XXXX payment and asked them to advise on the new bill. No response has ever been received. 

On XX/XX/XXXX, I called the billing office again. My bank sent proof of the payment ; the medical facility said that the payment was found in their system but said it had not been cashed. I was advised to allow additional time for you to process the payment. 

On XX/XX/XXXX, the second payment was returned to my bank with no explanation. The medical billing office did not contact me in any way, so I didnt realize this until I saw it in my bank account earlier this week. I immediately paid the bill in full for a third time. 
Yesterday, I received a notice that this bill had been turned over to a collection agency.
Product: Debt collection

In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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: Money transfer, virtual currency, or money service

Wells Fargo bank the problem is I attempted to solve my problems with you over and over and you keep on Avoiding me direct me as to give me miss leading and unhelpful answers I ask you wanting and you tell me the truth but instead u tell me about a whole Nother situation I am tired of back-and-forth you are not a computer this is not hard to understand I was told by Wells Fargo members that my documents were not usable if this is true I simply want my documents the original documents not a copy if I can not have it back then Wells Fargo must pay for them full liability Wells Fargo I deposit a promissory note into my account making you the trustee you are breaching theTrust And violating antitrust law your agents close my complaint without answering my question I do not want my complaint close until the question is completely answer Handled this in your fiduciary capacity only Here in this complaint we have another trust Where is my original promissory note question number one question number two is since its been over one year of unlawful possession when do you plan to pay me for my property. Return my property to me or take legal possession by paying for it today you have noticed That you owe me {$2.00} XXXX Do you deny this claim And Im tired of your representatives telling me that they will take care of the problem and never take care of it before they close the case I will not stop until you answer my question and return my property and do not tell me nothing about why my account is closed I know exactly why this phone Im tired of agents answering my question with something I dont want to know All I want to know is where all my promissory notes and when do you plan to pay for me for them There was over {$50000.00} in Notes deposit not just one I want them all back and I sent you a bill for {$2.00} XXXX that you owed to me and you deny the claim all calls will be recorded on both ends yours and mine thank you have a nice day
Product: Debt collection

this XXXX XXXX from XXXX XXXX XXXX has called me numerous time and uses a different number to call this last time it was XXXX and left a XXXX number for me to call I called him for the last time today and again he has refused to send me anything in writing about this debt he said I owed and each time he has called it has been a different amount. I f I am not mistaken the debt collector is suppose to send after 5 days a notice in the mail and I have yet to see one. that is all I am asking for and his threate of other legal action is not worth the paper it is written on because he is very rude and I get rude back at him. Simply send me something in written form and an address to write them back and I will work on settling this debt. In other words send me the notice and the correct amount if you are legit and I will proceed from there.
Product: Credit card or prepaid card

XXXX  XXXX a credit XXXX  service and myself have requested to remove all negative trademarks on my account, instead American express sends me all my account statements for the past few years, this is not what I requested, I am on a payment plan with American express and this should be shown, in account rating it states derogatory I want that removed on all 3 credit bureaus and account rating state paid.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Bank of america XXXX XXXX XXXX app ( XXXX XXXX  ) All companies refused to assist with cashing of check from my student account.
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 Account 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 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 ) ( 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. 
Auto loans or leases Total balance : {$22000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX XXXX XXXXotal balance : {$30000.00} DEPT OF EDXXXX Balance {$30000.00} Balance updated XX/XX/XXXX 6 closed accounts XXXX XXXX Total balance : {$690.00} 2 closed accounts XXXX Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$250.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
XXXX These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US PROBATN XXXX XXXXDEPT OF JUSTICE XXXX DEPT OF ED XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is truly criminal and should be addressed but we know experian does not fix problems just creates them, still working on the issue THATS A JOKE JUST LIKE THIS FRAUDULENT COMPANY
Product: Credit reporting or other personal consumer reports

Dear Equifax Team, I am writing to formally request that you update the information on my credit report to reflect that the loan with XXXX Account Number : XXXX has been " Paid Off In Full ''. 
In accordance with the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the official " Paid in Full '' letter from XXXX as evidence to support this request. 
Please review the attached document and update my credit report accordingly to show the loan as Paid in Full and Closed. Accurate reporting is not only critical for maintaining transparency but also ensures compliance with federal regulations. 
I kindly request a confirmation in writing once this update has been made. If additional information is needed, please feel free to contact me at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX or XXXX. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out this company since XX/XX/2021. Im still waiting on a response.
Product: Credit card or prepaid card

there was many charges in a 24 hour period i called as soon as i saw them and filled the response in the correct time then on the 11 day the suspended my account and said they said i authorized the charges and then after i said i would stand before a judge and swear i didn't and that all the charges where non swipe that only one after doing my own investigation was me and that i did not dispute that charge they did. they said well you request but since your account is suspended that i can not. when i asked what did i do wrong they said 22d of the member agreement but i said that says i was responsible for the charges and i am not
Product: Credit card

I mistakenly underpaid my XXXX credit card balance to Bank of American by {$10.00}. The amount due was {$730.00} and I paid {$720.00}. As a result, interest was charged to my account the following month. However, that particular month I had an unusually high bill because I had gone on vacation : total new charges were {$5300.00}. Nevertheless, the bank charged me interest on that amount in addition to the unpaid {$10.00} balance. This was keeping in line with their policy of charging interest on newly accrued charges if the previous month 's balance was not paid off in full. As a result, {$39.00} in interest was charged to my account. I did not notice the charge until the following month. Even though I paid the {$5300.00}, the following month I was charged {$44.00} in interest because of the {$10.00} balance which I had not noticed. After calling the bank to explain the situation, they agreed to refund the second interest charge " as a courtesy '' but not the first. I do question the ethics of having a rule that allows interest to be charged on newly accrued balances regardless of the past amount due. I have a history of always paying off my credit card balances in full and have always been a good customer. This however, did not sway the bank whose customer service representative stated to me that she thought their offer was " more than fair. '' I disagree. To have to pay {$39.00} in interest on an unpaid {$10.00} balance when I have been an outstanding customer for many years seems unreasonable and I would like this amount refunded.