23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I went to notify by apartment manager of my intent to vacate. I asked was there a charge to stay until the end of the month since my least ended XX/XX/2023. She said no because of your excellent history etc. I said ok now I won't have no problem because I was reported as late when I paid on time and almost evicted. Manager said XXXX XXXX I will make a note and if a bill come bring it in. Actually I never got a bill just a collection call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/2022.
Product: Mortgage

i have a new mortgage loan though XXXX eff XX/XX/19 i contacted then on XX/XX/19 to see if my automatic payment was received and found after talking to XXXX that my account was set up incorrectly, after making the adjustments XXXX accepted my payment ( payment # XXXX ) said the payment would be withdrawn Mon XX/XX/19 from my XXXX XXXX acct by Fri XX/XX/19 the payment of XXXX had not. I contacted them again and spoke to XXXX she stated XXXX transposed my acct # when processing the payment and she ( XXXX ) would reverse the payment posted to my XXXX account ( also reverse the " bad check fee '' amt {$15.00} ) and to call back Monday XX/XX/19 to have my actual payment processed for XX/XX/XXXX. I did call them back and spoke to XXXX for the payment, ( payment # XXXX ) she processed my payment it was to be XXXX however as of today XXXX was taken from my wells fargo account i called them and was tole this would need to be escalated to a supervisor and it could take 2/3 days for a response, mind you my XX/XX/XXXXpayment is still outstanding and another persons payment is still on my wells fargo account, please advise
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had a client play a bill through my square credit card processing account and immediately they froze my account. The payment was by a large company and the XXXX XXXX XXXXXXXX so theres no fraud. Now my account is frozen and I was told no more then 24-48 hours. I was told that an email was sent with documents I needed to sign but thats false. I am a XXXX XXXX with limited capital and need this money to survive and they wont respond at all. The phone number that they provided wont connect and emails get me no where.
Product: Credit reporting or other personal consumer reports

The inaccuracies on my report are causing damage to my scores and limiting my financial opportunities. Its frustrating to know that Im being held back by errors that should not be there.
Product: Student loan

hELLO CFPB? I HELLO I AM XXXX XXXX, I HAD GOTTEN A STUDENT LOAN FOR MY SCHOOL YEAR OF XX/XX/XXXX THRU XX/XX/XXXX. I DID NOT RECEIVE ALL OF THE LOAN THAT THEY SAY I TOOK OUT. IT IS NOW OWN BY SUNTRUST BANK, I THINK THEY ARE JUST TRYING TO COLLECT ON A OLD LOAN, WHICH IS ABOUT 38 YEARS OLD TODAY. AND I HAVE TRIED TO WORK THINGS OUT WITH THEM? AND TO NO AVAIL HAVE THEY MET MY NEEDS. I AM STILL IN SCHOOL. I AM STUDYING LAW. AND I KNOW I DO NOT HAVE TO PAY THESE LOANS UNTIL I FINISH MY SCHOOL TERMS. BUT THIS BANK IS CURRENTLY HARASSING ME OVER THIS LOAN, IN WHICH THEY BOUGHT FROM ANOTHER COMPANY AND MAY BE THEY SHOULD HAVE LEFT THIS LOAN ALONE IN THE FIRST PLACE. I WILL NOT BE FINISHING SCHOOL UNTIL XX/XX/XXXX YEAR OF MY GRADUATION, I AM GOING AFTER MY XXXX DEGREE. THAT TAKES A LOT OF MY TIME. AND I HAVE TRIED SO OFTEN CALLING THEM AND THEY STILL SAY NO? SO i DO NOT KNOW WHAT TO DO, A LOT OF PEOPLE TELL ME THIS LOAN IS FORGIVEN, BY PRESIDENT OBAMA LAST YEAR OF HIS TERMS. SO WHAT AM I TO DO? I AM RUNNING OUT OF OPTIONS I NEED HELP WITH THIS, THEY ARE NOT WORKING WITH ME AND THE WANT A LUMP SUM OF MONEY NOW? THEY HAVE MADE MY CREDIT SCORE GO DOWN REALLY BAD, AND THEY ARE CALLING ALL OF MY PEOPLE AND TO MY CURRENT SCHOOL TOO. I AM IN DEEP WATERS WITH THEM, I HAVE TRIED MY BEST TO WORK WITH THEM BUT THEY SAY NO. I TOLD THEM THIS LOAN IS ABOUT ( 38 ) YEARS OLD IN TOTAL. IT SHOULD BE FORGIVEN BY NOW. AND I HAVE TOLD THEM TO LEAVE ME ALONE AND LET THIS ALONE TOO UNTIL I GRADUATE FROM MY COLLEGE I AM ATTENDING NOW. I HAVE NOT BEEN ABLE TO WORK WITH THEM AND THEY ARE STUDYING MAKING A LOT OF TROUBLE FOR ME. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding inaccurate items on my credit report. I sent a letter on XX/XX/2021 regarding unknown and incorrect items on my credit report. It has been well over 30 days and I have yet to receive a response or any investigation results. I feel like I am being ignored and taken advantage of. The following items should be deleted instantly because it has been over 30 days. This information is negatively impacting my credit standing as well as negatively affecting my peace of mind. This was done without my permission. Please remove the inaccurate items.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I recently reviewed a copy of my credit report and identified a fraudulent account. This account is not mine and has been reported without my authorization. 

Fraudulent accounts on my credit report violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) requires that credit reporting agencies block information resulting from identity theft within four business days of receiving proper documentation.

FDCPA Section 807 ( 15 U.S.C. 1692e ) prohibits the use of false or misleading information in debt collection, including the reporting of fraudulent accounts.

This fraudulent account has negatively impacted my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
Product: Mortgage

This is a followup from a complaint sent to CFPB on XX/XX/2020, # XXXX. 

This is still not resolved. It has become a blame game. New Rez/Shellpoint saying it's the mortgage company fault and vise versa. I sent the following email to the person on your resolution letter. I've been trying to resolve the issue directly and I'm still getting a runaround. The phone # on the letter was to a XXXX XXXX but no one seems to be able to contact her. Here 's my updated issue to my original complaint : XXXX, I am referring to you because your name is on the attached letter resolution from Shellpoint as a contact, but I have not been able to reach you at the phone # provided on the letter by CFPB. I can not believe it has been over 3 months that I've gotten a response ( not a resolution ) from CFPB ( Consumer Financial Protection Bureau ) regarding my inability to access my mortgage account ( XXXX ). Initially the issue was the incorrect Social Security # in the system.XX/XX/XXXX claims they sent the correct # over, and Shellpoint claims they received the incorrect #. It appeared as though it is still not fixed internally according to one of the 25 representatives I've spoken with at Shellpoint/New Rezs ' customer service line, when I put my last 4 digits of my SS # it brings my account info up but there's still something wrong. 

Since XXXX, I have called at least twice per month, since I'm forcibly stuck with calling in my payment monthly, and it's been the most frustrating experience EVER!. I have had 4 mortgages, done at least 8 refinances in the past 10 years and never have I ever had this confusion with a mortgage company. I've received at least 5 Ticket # 's with each person promising that this time it will be fixed and I'll get an email from the Tech department ( who CAN NOT speak with customers ) ... and I never get the email follow up from them. Each time I call they would say the tech department will wipe out all the information received and I would start from scratch and I should receive an email 2-3 days, in the past 4 months I have received no such email. They've instructed me to try new passwords, new sign on 's, new email addresses and NOTHING works. I have spoken to all of Shellpoint 's representatives by now and they all have transferred me to their TIER 2 department. I have spent hours on phone calls and with now resolution in sight. The errors keep coming back as 'you 're login has already been registered to another account, and when I used a new user ID it would say something like ' can not get on account, try again '. One of the Rep even tried my login information on their computer and got the same response.

I want to pay my mortgage online, MYSELF! not with the assistance of your rep, and I was charged a fee because the Rep took wrong account information down and they sent me a fee. This is too much now! I want my account access fixed immediately ...
Product: Money transfer, virtual currency, or money service

I had {$2000.00} XXXX to my Citizen bank checking account Saturday XXXX  I received it about 3 minutes later I then XXXX it to my XXXX XXXX XXXXXXXX account right after and I noticed it was deducted from my citizen account immediately but was told by citizen that it takes 3 days for the payment to be received at XXXX XXXXXXXX XXXX I asked why and they gave me some made up story that didnt make sense especially when I told them to verify that it was received right away and deducted right away but when it comes to crediting my account that it was sent to that takes 3 days i think there is some kind of fraud to use peoples money for a few days interest free please respond and help me to get to the bottom of this if there is a bottom
Product: Debt collection

I have recited 10 calls in the last 30 minutes from the coperate office of kay jeweler. I have told them I am disputing the charges. They have also contacted a family member of mine and disclosed mt personal information. And they called my XXXX year old son who I did not put down his contact information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered many false reporting accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax tells me I will never be able to access my online portal again because I answered one verification questions incorrectly.

When it first happened I called them up and asked them why and they explained and then said to mail in a copy of my drivers license, passport, SS card and utility bill. I sent that along with a letter.

I waited a month and called back to verify everything. They said they never received it and to send the exact same info again. I asked them why since it would be the same thing happening again.

So I sent it again and this time I sent it USPS certified mail. It shows they received it XX/XX/2020. I called back at the end of XXXX to discuss getting my online access and they said they never received it. 

I asked how could they possibly say they didnt get it when the USPS certified mail shows they did get it.

I have done everything that Equifax asked and also have a confirmation they received my information via USPS certified mail.  Tracking # is XXXX XXXX XXXX XXXX XXXX Then the representative changed her story and said that I will no longer be able to access my online portal. I asked if I need to resend it again and she said no there is nothing I can do to get access. 

So they are holding my online access hostage and there is nothing I can do.

She said I can always use the telephone or mail-in option. Thats a bit of a joke considering the people I have talked to have never helped, changed their story and contradicted themselves. 

How can I use their mail-in option if I sent something simple to them twice and they say they never received it even though the second time was through certified mail and proves they did receive it? 

Equifax is a for-profit corporation that does not seem to care at all and is extremely unorganized. I have sent certified mail to sever entities in the past with no issues, this is the only one to claim they didnt receive it.

They are holding my own credit file hostage from accessing online.

I own a personal finance and credit education company that teaches about the credit bureaus and believe they are discriminating against me due to those factors.

They have a 1 star rating on the XXXX  with over XXXX complaints.
Product: Bank account or service

On multiple occasions, we have asked Citibank NA to close various personal and business accounts. Citibank has assessed fees and penalties on these inactive account which we have repeatedly asked to be closed. Citibank has at times said that they are going to report our failure to pay their fees and penalties to credit reporting agencies. The account ending in XXXX is now showing " XXXX OverdraftFee {$34.00} overdrawn '' and " XXXX FeeServiceCharge {$25.00} overdrawn '' On XXXX XXXX, 2016, we sent this letter in response to XXXX XXXX 's instructions on how to have the account formally closed. 

" Citibank NA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, Branch Manager Dear Citibank : We have called your number, the general number and posted messages through the website to reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ), ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us. 
We just learned that the account for XXXX has a " hold '' on it and no one at Citibank can close the account except you. 
We no longer live or have offices near the branch. Please reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us as soon as possible. 
If we do not receive confirmation from you today or tomorrow that the accounts have been closed and checks are on their way to us, we will contact appropriate Federal and State authorities. 
All check can be mailed to this address ( which address has been provided to Citibank online and in prior email ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, President, XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( a XXXX ( c ) ( XXXX ) non-profit ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLPHR Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and related Savings # XXXX and Money Market # XXXX " Is there anything you can do to have these accounts closed and to end Citibank , NA 's persistent demands on us for matters that should not be occurring? 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX
Product: Debt collection

AVANTE USA is attempting to collect on a debt that is not mine from XXXX
Product: Debt collection

My deficiency debt from XXXX was assigned to a debt collection agency, Northland Group inc . The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with Northland Group initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.
Product: Payday loan, title loan, or personal loan

This company is practicing a Predatory Landing in order to get their customer a loan. All my attempts to resolve my issue and asking them not to report my late payments to credit agencies were not heard.
Product: Credit reporting or other personal consumer reports

The credit reporting agency refused to correct inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I received a decision in my XX/XX/XXXX XXXX late dispute, attached. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX the reason for being reported late is that a late fee was taken out of the regular monthly payment of {$530.00}. 

Late fees have been on my account starting in XX/XX/XXXX. And those late fees were carried over, month after month, for 2 years with no attempt to deduct them from my regular monthly payment. Then in XX/XX/XXXX you decided to take the late fee out of my payment. The XXXX XXXX monthly statements are attached showing the late fees being carried over month after month for years! 

I never received any notification that in XXXX they arbitrarily decided to collect the late fee. 

It was reasonable for me to assume that the late fees would be carried over and then collected at the end of the lease. 

Why would you carry over the late fees for 2 years and then take it out with no warning. 

I was calling XXXX XXXX every month for past 6 months to extend my lease. They told me every month that my account was fine.
Product: Credit card or prepaid card

trouble ticket # : XXXX Acct number : XXXX Card ending in XXXX XXXX XXXX XXXX On XX/XX/2020, I contacted MyVanilla customer service and reported several unathorized charges from a merchant called " XXXX XXXX XXXX. '' I MEVER got a notification that these charges were being made using my card, not one fraud alert, nothing. 
I was told that I needed to fill put a dispute form, which they did email me and I sent it back to them both via email and fax the very next day. A few days later I received a letter in the mail stating that my claim had been denied. 
HOWEVER, 2 days ago onXX/XX/XXXX the dispute team JUST NOW emailed me saying that they had now received my completed dispute form and that it would be reviewed by the dispute team. 

It had been more than 10 days and nonprovisoonal credit was issued and on top of that the information which they requested and I returned promptly, was not even reviewed. 
I contacted the merchant XXXX XXXX XXXX, myself and told them about the unauthorized charges, etc. And requested that they reduce some sort of identification, which I knew that they could NOT produce because I was not the one making the purchases on their gambling site. 
I have screenshots to prove everything that I am stating to be completely factual and accurate. 
Incomm/ myvanilla violated regulation E. Clearly. 

I have been the victim of fraud. 
I should be entitled to my funds that were stolen. 

During this pandemic, the worst time for this to happen, and it happened. 

Now the card issue refuses to rightfully return my money to me and I cant speak with anyone via customer service that can help me out by doing anything useful for my situation. 
I am SO stressed about this .... 
Please help me get my money back asap. 
I did not make these purchases. 
My card information was stolen, the merchant can not produce ANY proof that I made these lurchaes myself, the card issuer should have issued provisional credit, and XXXX should have actually read my completed dispute form which I sent to them promptly. I gave an explanation as to how I believe this happened, merchant communications, nd other details. 
This is not right or lawful. 
Thank you.
Product: Bank account or service

I opened an account at Wells Fargo Bank approximately XX/XX/2017. On XX/XX/2017 I went into the branch bank on XXXX XXXX in XXXX, Virginia to deposit my paycheck. The check was for {$610.00}, and I was told I would be allowed to receive {$100.00} and the remaining {$510.00} was deposited into my account with a hold on the money until XX/XX/2017. My account shows that the deposit of {$510.00} was made at XXXX on XX/XX/XXXX. A deposit of {$300.00} was made this same date at XXXX I did not authorize the deposit of {$300.00}. I checked my statement on XX/XX/2017 and the bank had removed {$510.00} from my account without me being advised of the withdrawal. The reason showing on my statement online was " {$510.00} deposited in error, transaction reversed. '' I called the bank and talked with XXXX XXXX and was given the name and number for XXXX in the Research Department. I called XXXX and was told they would research the problem, and that it would take up to five business days. I waited the five days, and called and spoke with XXXX XXXX. XXXX XXXX told me the case was closed, because the check had been deposited by telephone, and at the branch also. I advised XXXX XXXX that I did not make a deposit by phone, but did make an in-person deposit at the bank on XXXX XXXX. I asked my mother, XXXX XXXX, to be an advocate for me in dealing with this problem with the bank. XXXX XXXX called the bank and spoke with XXXX XXXX inquiring as to how she could discuss my account with a bank representative. XXXX XXXX first told XXXX XXXX she would need to be put on my account, but later said she checked with her manager, XXXX XXXX XXXX and was advised that XXXX XXXX could accompany me to the bank to discuss the situation. On XX/XX/2017 XXXX XXXX and I met with the branch manager of Wells Fargo on XXXX XXXX in XXXX, Va., XXXX XXXX. See attached documents pertaining to this meeting. You may remove any names and account numbers to use the document as a website posting if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for incorrect information to be removed & blocked from my credit report. FCRA XXXX XXXX XXXX, XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. XXXX )