23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a XXXX credit card through Wells Fargo. It was acquired in XXXX for our rent payments in our building, XXXX XXXX, NY, NY. Besides rent, the card was only used initially for a few outside charges in the first month, per the card requirements. We moved from this property XX/XX/XXXX and requested to close the account since we would no longer use it to pay rent. It is apparent that the account was never closed because on XX/XX/XXXX and XXXX, XXXX, there were XXXX charges made. Charges made in XXXX XXXX, {$310.00}, {$550.00}, {$940.00}, and {$2500.00}. The pattern is very typical of fraud with the amounts being rounded, exact amounts and gradually getting larger as the charges went through. We have never been to XXXX XXXX. Also there is no pattern of any other charges on the card throughout the year of the account being open. The card number used is a new card that is not in my possession. I have never activated that card, but somehow the bank allowed it to be used. I reached out to Wells Fargo and was told it would be researched and the account would be closed per my request. This has never happened. I have been called and sent letters by the XXXX department requesting payment. When I reiterated that these are not my charges, I was told again it would be researched. The account remains open despite the fraud and my requests. My credit is being affected because the bank is reported my lack of payment, charging interest and late payment fees. I otherwise have a XXXX XXXX of very good/excellent and do not have other outstanding balances on cards. I believe there is a scam with Wells Fargo and XXXX. I have demanded to have my account closed with no compliance and the charges have not been reversed. I have never experienced these problems with any other bank or credit company. I do not have the full card number because I never received the physical credit card that was fraudulently charged. The statement shows the last XXXX digits as XXXX. I have never activated this card because I do not possess it. I greatly appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint XXXX Violation of 15 U.S. Code 1681c-2 I am writing to follow up on my formal complaint submitted on XX/XX/2024, regarding unauthorized and inaccurate reporting on my credit report by XXXX XXXX XXXX. As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information resulting from identity theft no later than 4 business days after receiving notification.

As it has now been well over 4 days since my initial notification, your failure to act within the legally required timeframe is a clear violation of the Fair Credit Reporting Act ( FCRA ). This delay has caused unnecessary harm, including : - Lower credit score : Resulting in credit denials and unfavorable financial terms.

- Emotional distress : Due to the continued presence of fraudulent information on m
y credit report.

- Financial harm : Caused by the inability to access credit under fair terms.

1. Immediate removal of the inaccurate information from my credit report, as required by law.

2. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, punitive damages, and attorneys fees if necessary.

Estoppel by Silence : Your failure to act in a timely manner strengthens my case for willful noncompliance. If these items are not removed immediately, I will have no choice but to pursue legal remedies. 

I look forward to your swift resolution of this matter.
Product: Mortgage

On XX/XX/XXXX I had a conversation with XXXX XXXX about a condition with XXXX for homebuyers and that I could only have no more then XXXX in the bank. I have an email chain of a conversation where XXXX did not understand the condition and that she wanted an explanation nd when I read the emails my self It did not say anything that I couldn't have more then XXXX in the bank. When I also spoke to XXXX on the phone she stated it was a condition for XXXX because they only help people that need the money which sounded like they wouldn't help me because i had more then XXXX the bank which sound like discrimination because the program is for first time homebuyers and I was a first time homebuyer so of course I'm not privy to her end of the process she asked me to bring XXXX to the table since I couldn't have more then XXXX in the bank and so I stated to her why would I just give them XXXX of my hard earn money that I saved over the years just because I couldn't have more then XXXX in the bank so I told her I would rather put that XXXX dollars towards my XXXX loan that I had so she said she will check and see. When XXXX checked she stated she would do that. Now in that being said I did agree to that but I did not know that at closing I would have to bring an additional XXXX to the table for closing because I thought and was told that the XXXX grant money would take care of my closing cost but that was not the case. So this is the issue if I would have known that I would have to bring an additional XXXX to the table at closing I would have told XXXX to use the XXXX towards closing instead which would have brought my account down to XXXX but instead she made me bring XXXX to closing which includes the XXXX loan. She told me she could not fix that issue because I would loose out of the money and the home and that I would get sued by the seller so I went ahead and completed the transaction. I am really not happy with the company Annie Mac this was very unprofessional and would like some type of resolution. P.S I don't even think that was a condition that XXXX was looking for because XXXX did not understand the process herself.
Product: Debt collection

The complaint involves the following company - Debt Collectors International , Inc. 'DCI ' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX | DebtCollectorsInternational.com Owner of company : XXXX XXXX XXXX 

On XX/XX/2023, I provided DCI with several files to collect on my behalf. Initially, I was pleased with their services and even referred them to my colleagues and furnished DCI with extra business. During our phone conversation, DCI confirmed that for XXXX of the files they can do domestication of judgment. I made it clear that I with only pay upfront the actually court filing fees not for any hourly lawyer fees. After convincing me that the actual court filing fees were upwards of {$1800.00}, they agreed to accept {$1000.00} from me via credit card and cover the remaining filing fee costs themselves from their fund. However, I have since learned that court filing fees and searches do not even come close to XXXX. In fact, they repeatedly lied about court costs of upwards of XXXX on numerous potential files. 

On XX/XX/XXXX, after asking for multiple updates and getting frustrated that nothing anticipated and promised on the phone has been happening, XXXX XXXX XXXX XXXX XXXX DCI, wrote, " If this is an issue I will simply have the attorney send you back unused costs and you can pursue this through alternative means. '' I called the attorney in NV working the case for an update, and they said they haven't filed anything yet. Perhaps something will be filed in XXXX more weeks. After hearing that nothing has been filed after they had multiple weeks of time to file. That drag was unacceptable and I confirmed that with other local attorneys who confirmed that not filing anything in that timeframe they had weeks to file is unacceptable. 

I emailed XXXX, I need to pursue this with alternative means ( as he suggested in his email the previous day ), and the attorney will refund all costs since I was misled on the phone that this process will take much quicker. The following day, XXXX sends multiple threatening emails, " I will ensure that this claim is tied up in cross litigation between our company and yourself for the next XXXX years. " we are now filing a lien against the judgment. We will not release this lien unless the invoice due for the full anticipated contingency fee is paid, that invoice is attached. You have 10 days to remit payment or we will be filing a lawsuit against you '' This has caused much emotional distress!!!! This is absolutely despicable how DCI is backstabbing their own clients who gave them business. I urge the CFPB to intercede and make it right.
Product: Money transfer, virtual currency, or money service

transaction ID XXXX with LibertyX amount {$1700.00} Bitcoin amount that was bough XXXX Date of transaction XX/XX/2022 XXXX US EST Wallet that scammers XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I need these accounts removed because aren't mine XXXX XXXX XXXX XXXX XXXX XXXX And many more
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items that did not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX and I am the only person on the mortgage, But my husband XXXX XXXX and I are both on the Deed. 
The property is currently in foreclosure and it is against both XXXX XXXX and XXXX XXXX since we both on the deed. 
Yesterday XX/XX/XXXX, we called Mr Cooper Home Loans. 
The current servicer is XXXX XXXX XXXX. 
Although Mr Cooper was the previous loan servicer, they still claim that my loan is with an attorney ( XXXX XXXX XXXX and Mr Cooper refuses to deal with us in any major way and Mr Cooper refuses to accept my husband XXXX XXXX as an authorized party to get information on the loan. 
Yesterday we spoke to XXXX ( id # XXXX ) and her supv. XXXX. 
We notified Mr Cooper for the first time back around XX/XX/XXXX that XXXX XXXX was NOT our atty anymore and that XXXX XXXX was UNcooperative with us and was not calling or notifying Mr Cooper even though we had requested this of him several times. 
Mr Cooper to this date, says that only the atty is allowed to remove himself. Mr Cooper has been informed MANY times of our displeasure with that atty and our FIRING that atty. We even had another atty assist XXXX XXXX with Bankruptcy after XXXX XXXX but Mr Cooper retains XXXX XXXX as the atty in charge and stated that the case goes back to XXXX XXXX automatically even though the bank atty doesnt have him registered as our representative anymore. 
XXXX XXXX says he tried several times to communicate with Mr Cooper but it seems that the bank tells him that the request has to come from us. ( See attached ). Mr Cooper is not accepting our request either.
Product: Debt collection

Wakefield and associates, Inc is reporting 4 items in the amounts of {$130.00}, {$110.00}, {$130.00}, and {$120.00} to my XXXX. I do not owe any of these debts and I've never even seen them on my reports before. I regularly view my XXXX and XXXX through credit monitoring services provided by my bank.
Product: Checking or savings account

XX/XX/2018 HSBC account opened account and funded with {$100000.00}. 
Per terms of the agreement a bonus deposit of {$750.00} would be paid if the balance is maintained for 90 days. According to the terms, the bonus would be paid within 60 days of meeting the 90 day obligation. It is now well beyond the stated time frame as of writing this complaint on XX/XX/2018. The bank said they would research but failed to respond within their stated research timeframe. Additional inquiry has yielded no information.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit act # 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 not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a XXXX  card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- XXXX XXXX ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT this is for the late fees, the first complaint and demanding the laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute a public record bankruptcy off my credit report with XXXX   about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights XXXX has remove the man name but not his bankruptcy back in XX/XX/2018
Product: Mortgage

I filed previous complaint ID XXXX. As a result of that complaint, I am requesting a Consumer Advisory for all veterans with a mortgage at WELLS FARGO. I recently requested closure of my escrow account that would save me {$20000.00} over the life of the loan. The request was denied due to my mortgage being a VA loan or me being a veteran with a VA loan. They are charging veterans up to 24 % in additional annual charges to a cushion account. Every veterans that have a mortgage with WELLS FARGO should review your escrow account. If your annual escrow payment is more than your annual taxes and insurance, you can possibly call it another scam because they will not waive the escrow per mortgage agreement. If you are capable of paying your own taxes and insurance, then why not waive it. It will cost them {$20000.00} in profits. This happens only with WELLS FARGO mortgages for veterans. My brother is a veteran. He closed his escrow account with his bank. My residence mortgage escrow account with XXXX XXXX XXXX  XXXX XXXX was closed with no issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a number of unknown inquiries on my credit report the dates are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX disputed several inaccurate items on my LexisNexis Disclosure Disclosure file. One item in particular stood out in the XXXX XXXX XXXX by a business named XXXX XXXX. The name also associated with this business did not associate with me as well. These items were disputed with the Consumer Financial Protection Bureau as well. LexisNexis said in the response letter to myself and the Consumer Financial Protection Bureau that the item in question which is XXXX MARKETING was in fact removed from my credit file but upon reviewing an up to date LexisNexis Credit Report dated on XX/XX/XXXX LexisNexis has committed a reinsertion violation by re-inserting XXXX  MARKETING back onto my file. They not only re-inserted the derogatory item back on my file, but they did not notify me in writing within XXXX business days as required by the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX, I received a mail from a debt collection agency ( Transworld Systems Inc. ) stating that I owe {$290.00} to XXXX for failure to " pay my bill ''. I do not recognize the charge and made sure I have no final bill with XXXX before I ended business with XXXX in XX/XX/XXXX. I told them to cancel my account and I've ported out my phone numbers. The representative at the time told me all has been dealt with and I do not owe them any money. I even checked my XXXX account after porting out and finishing my business with them, and I was unable to login via my phone number or email so I knew they cancelled my account. However, the debt collection agency contacted me via mail letting me know that I still owe XXXX money. I immediately contacted the debt collectors, and they transferred me to XXXX trying to get it resolved. XXXX said " even though you cancelled your account, there is a free third line that is still active and you should be paying for at full price ''. They said : " We can not assume that you wanted to cancel the third line ''. I was confused as to why would they still keep my third line when I explicitly told them I wanted to cancel my whole account and have nothing to do with them. They never send me any bills, whether electronically through email, through paper mail, or text messages. That " third phone number '' was never used since we told XXXX to cancel my account completely. And even if I wanted to pay for that bill, I wouldn't be able to since I have received no bill and no access to that account. If this so called " final bill '' was not waived and this incident was not taken off of my credit report, I will be taking legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing a old wells Fargo account from XX/XX/XXXX it is a closed account an paid off it closed on XX/XX/XXXX but its reporting 3 inaccurate late payments I been going back an fourth with Wells Fargo for at least 3 months now an have a couple claims open with them they keep saying there going to remove it an should show up on my next credit cycle but it's been about 4 credit cycles so far an its still there showing they removed it off my XXXX report but its still showing on my XXXX an XXXX report now everytime I call Wells Fargo an give them my case number to speak to my case worker she is never there or busy an they say she will call me back an she never does I sumbitted XXXX letters also goodwill adjustment request to emails an also the fora 15 usc 1681 ( 2 ) ( a ) ( i ) exclusions from a consumer credit report an under 15 usc 1681b- permissible purpose of Consumer reports
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt removal of all inaccurate entries from my credit report and blocked all the information
Product: Mortgage

These mortgage bankers at HSBC have been playing games with my approvals for months now, all while i could have closed with another service. They repeatedly ask for the same information i have already given them, and now it's been 3 weeks from " final approval '' and i have still not closed. they are hardly responsive and gave up as soon as i locked in my loan rate. All the while they know that i transferred in a significant some of money to their personal wealth management in order to access a lower rate. I was conned. I am losing time, money and energy dealing with them and believe they are doing something nefarious.
Product: Debt collection

I am writing to you regarding XXXX XXXX XXXX and the offices of Howard Lee Schiff.  There are multiple issues with this company and they require more space than available here. First, Howard Lee Schiff has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the  complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Equifax numerous request by certified mail and online since XX/XX/2022 to investigate and delete several accounts that do not belong to me and Equifax has failed to properly investigate the items in dispute and delete.
Product: Credit card

I've always made sure payments on this account are made on time, avoiding any overdue amounts. I'm not sure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that Ocwen update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with Ocwen but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXXheftandfraud.
Product: Debt collection

American Express is calling every person in my company stating they have critical information and need to reach me asap. I have received several calls from my co-workers. I have been in communication with American Express and offered to make payments but they will not take partial payments.