23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried unsuccessfully on multiple occasions to discuss a payment plan with Kramer & Frank, PC, ( KF ) however they refuse to even discuss my case with me. How is it possible that a company that refuses to speak with you regarding making a payment plan can now garnish your wages? During my many failed attempts at a discussion with KF, I have graduated from XXXX, almost died from a serious illness, gotten into a very competitive graduate program, and most recently lost my job. My XXXX professor at XXXX University in XXXX XXXX informed me that he successfully sued KF due to there shady business practices. My relative had a payment plan with them some years ago and they continued to collect money after the debt was fulfilled. After reviewing, the original debt and calculating the payments my relative realized that the debt was paid-in-full months earlier. Prompted by this realization went to KF office and spoke to someone who confessed that yes the debt had been paid-in-full months earlier and was given paperwork to that effect. I have also had a previous debt years ago administered through KF and they would always " lose '' my money orders or " credit '' my payments towards someone else 's account. This caused me constant frustration and hours on the phone with them. I believe I spoke to a lady named " XXXX '' back then. It was due to these continued issues that promoted me to seek the advice of my Professor. My Professor 's advice was to always send things to them United Stated Postal Service Certified Mail with Return Receipt as it is admissible in court. This is one of the largest debt collection agencies in the United States. They have a very bad reputation within the XXXX community. I remember seeing them in court speaking very disrespectfully to XXXX including myself. It would not surprise me if KF is on XXXX Attorney General XXXX XXXX list of debt collection agency being investigated due to their dealings with the XXXX community ( please see links to articles ), XXXX and XXXX. Simple XXXX searches of KF will reveal multiple complaints that people have placed online many of which are regarding communication issues : XXXX and XXXX. According to an XXXX XXXX, 2011 article in The XXXX XXXX, XXXX, the same company KF is garnishing my wages for " XXXX XXXX , XXXX '' has been the subject of a class-action lawsuit in XXXX, `` ... XXXX is under fire in XXXX and XXXX, where the attorneys general have filed legal actions alleging that the company illegally mass-produced legal documents that defrauded debtors and hijacked the court system into serving as a collection agency. XXXX is also the subject of an ongoing class-action suit in XXXX, where a proposed settlement has drawn opposition from the Federal Trade Commission and attorneys general of XXXX states, including XXXX, for giving too little to consumers ... Of XXXX 's XXXX XXXX County lawsuits, XXXX were filed by a single attorney, XXXX XXXX of the law firm Kramer and Frank, which is based in XXXX XXXX and has an office in XXXX, XXXX. ''
Product: Credit card or prepaid card

A Credit card was Opened In my Name with which Was Fraud I did Not Authorize The company to do so Which means This Was FRAUD
Product: Debt collection

I have a debt reporting on my XXXX credit bureau. I have tried resolving with the collections company Alpine Credit , Inc by mailing a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX  from the credit report, of which I received no response from and also there is no contact number provided on the report which is required. The debts reporting are {$150.00} and {$210.00} medical bills reporting in my deceased spouses name, who passed away XX/XX/2017. This is not my debt, nor did I sign as signatory financially responsible for this debt. I have tried multiple times to reach the company to discuss this and resolve but have been unsuccessful in reaching them. The contact information listed on the credit report is not good contact information. for Alpine Credit.My rights under the FCRA and FDCPA are being violated, and if this isn't resolved I will contact an attorney.
Product: Checking or savings account

XXXX  Bank of America closed my account and said they couldnt give me a reason as to why my account was closed they just made the decision after I filed a police report and showed the bank pictures of the person at the date and time In the store using my debit card
Product: Debt collection

I reached out to PORTFOLIO RECOVERY ASSOC XXXX/XXXX/16, requesting verification of a debt. Today is XXXX XXXX, 2016 and I have yet to receive any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I checked my annual check report and found several errors. I had previously contacted XXXX XXXX XXXX by sending a dispute letter and they failed to respond. Therefore, I sent a dispute letter directly to the CRA Experian on XX/XX/2018 disputing this inaccurate reporting. 

Experian responded with the attached letter provided dated XX/XX/2018 without any information requested according to the F.C.R.A. 

Experian has avoided abiding by State and Federal laws in rersponding to the dispute and failing to supply the requested information by law.
Product: Credit card

XXXX Reached out for help with the open issues. 
Howdy! A few things ; 1 ) I was told I'd have six months before I had to start paying for this, 2 ) Your system won't let me use my bank account to make a payment, and, 3 ) I don't think the balance is correct, but I can't seem to find the details of charges in my account. 
Help? 

Three chats, no help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My Ex Husband and I purchased our home together in XXXX with a private investor at the time. We are both on the deed and the Mortgage note. 
We took out a conventional Mortgage with XXXX XXXX  XXXX  in XXXX, both listed on the Mortgage but only my husband listed on the NOTE. 
I filed for XXXX in XXXX with it all becoming finalized in XXXX. We then had to either sell the home or one of us assume the mortgage. 
My ex husband refused to let me remortgage the property, so we listed the home for sale. The market was down and there were too many repairs to be done to the home, so there ended up being no extra equity in the home and no offers on the home at the time. 
My ex husband moved out of the home in XXXX. 
I stayed in the home with our son and XXXX animals. 
At this point the mortgage had been sold to XXXX XXXX. 
I went into XXXX XXXX branch and let them know the situation and tried to make payments on the mortgage loan so we would not fall behind. XXXX XXXX refused to let me make payments on multiple attempts stating " I am not an authorized user on the account '. Although, I was on the original mortgage loan documents. This went on up until I received the certified " notice of XXXX '' /Foreclosure '' documents. ( My ex husband was un-servable and received a " default '' ) I submitted " request for payoff '' to opposing counsel in the dockets prior to foreclosure hearing without response. 
At the hearing, I presented the timeline of events to the XXXX. She did not listen and granted the foreclosure. 
Please help ... .I have been trying to make payments and trying to pay off the loan to save my home. My ex-husband is no where to be found and they are going to auction off my house. At the time I requested payoff we owed {$180000.00}. Now the final Judgement on Foreclosure is listing the XXXX XXXX to be {>= $1,000,000}. They have cost me and are stealing {$51000.00} from the current equity in my home. 
All Documents attached : Mortgage Loan Documents and Payment History Final judgement on Foreclosure Formal Request to Fay Servicing for Loan Payoff with Denial Response ( same response since XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Mortgage

It has now been 148 days attempting to refinance my mortgage with XXXX I have been dealing with XXXX XXXX ( nmls id # XXXX ) since the beginning of this process and he has been helpful up until 3days ago when I informed him I would be filing complaints. At which point he informed me that would not help motivate people to close my loan and woukd serve no purpose. XXXX XXXX, whoever that is, was recenbtly also supposedly working on this loan along with the lead underwriter XXXX. It is simply impossible to get anyone to answer a phone or communicate with anyone other than the broker I started with. The underwriter supposedly is asking for some ridiculous items to close my loan but I have not received a definitive answer as to exactly what is needed nor any direct way to communicate with underwriter. I am now forced almost 5 months later to go with another lender after already paying for a home inspection which has now expired. This is completely unprofessional and theft. I hope this company is banned from writing loans in the future and these people are held responsible for their practices.
Product: Checking or savings account

I have sent three emails to CIT Bank asking about the {$100.00} bonus I was promised when I opened this account. I was told I would receive this bonus if I kept an average daily balance of $ XXXX in this account for the first three calendar months AFTER I opened this account. I was also told I would receive this bonus within 45 days of the third month. So I should have received this bonus by now. I opened this savings account in late XXXX of 2017. I did in fact keep this balance through the months of XXXX, XXXX and XXXX. I have not received replies to my two most recent emails concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized hard inquiries that I have been trying to remove from my credit reports for months now by contacting both the bureaus and the companies but to no avails. 

XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship. 

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves. 

Thank you for your prompt attention and assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

M and T bank refused to refund me for fraudulent withdrawels and payments made using my pin number in XX/XX/XXXX. They sent me a letter on XX/XX/XXXX that on XX/XX/XXXX XXXX $ would be taken from my account to return their provisional credit. I had reported this fraud within 30 days of it happening, and their were more fraudulent charges made that they DID refund, but they stated that due to my pin being used they need information on how the pin was acquired. How am I as a consumer supposed to know who/how my pin was acquired/stolen? When I spoke on the phone and voiced my concern on how I can not provide the information on how the pin was stolen, the agent simply said " sorry ''.
Product: Mortgage

On XXXX XXXX, XXXX I began a 3 year loan modification term with XXXX XXXX XXXX whereby my {$1.00} XXXX mortgage ( Loan No. XXXX ) interest rate was reduce to 3 % and interest only monthly payments of {$6600.00}. This interest rate was to last for 3 years and then it would be raised to 5.25 % with 25 year amortized monthly payments of {$12000.00}. Although I was aware that I could not afford the terms of the mortgage after 3 years, I had no other recourse as I did not want the Bank to foreclose on my home. I also was of the expectation that the real estate market may re-emerge from the 'Great Recession ' to allow the sale of my house during that time period. 

I was current with the {$6600.00} payment when the 3 years ended. Being aware prior to the 3 years ending that the real estate market had not returned to where I can be successful with a conventional sale of my home, and furthermore, that I could not pay the new upcoming monthly mortgage amount of {$12000.00} come XXXX XXXX, XXXX, I began to request from XXXX XXXX XXXX in writing early in XXXX to revise the loan modification agreement so that the 3 % rate will be extended beyond XXXX XXXX, XXXX. XXXX XXXX XXXX delayed and did not revise my loan terms, but instead, on XXXX XXXX, XXXX, my loan was transferred to Nationstar Mortgage for servicing ( Loan No. XXXX ). My appeals for a modification of the loan terms continue with Nationstar, however, I am being quickly denied the modification on the basis of negative income, and at this time am being threatened with foreclosure. A Notice of Default was filed against me earlier this month ( XXXX XXXX ). 

My income is presently {$120000.00} per year and my income will increase by another {$25000.00} per year come XXXX XXXX, XXXX due to an upcoming monthly retirement payment that will begin at age XXXX. I have the means to pay a lower interest mortgage payment on my current home. Furthermore, the real estate market condition in California has improved dramatically during the past several months to where it is feasible for me to now sell my home and pay my outstanding loan balance. Accordingly, in an effort to avoid the foreclosure, my home is presently listed for sale. It has not sold yet but we have a good level of activity and expect to have a sale soon. However, the looming threat of foreclosure from Nationstar, and the filing of the Notice of Default, have reduced our options in comfortably pursuing the sale. 

My loan violates Fair Lending laws and practices as it increased to an unaffordable monthly payment of {$12000.00}. Furthermore, I have become aware that my loan had been electronically sold via MERS on several occasions and the rightful holder of my Deed of Trust is not known. I am requesting your help in assessing the violation of fair lending laws and guidelines with regards to my loan. I ask for your assistance to curtail an unjust foreclosure before I succeed in selling my home.
Product: Mortgage

This is the third time I 've written to you about this problem with Nationstar. They continue to charge me for homeowner 's insurance and attach the charge to my mortgage, even though i do n't want that insurance policy and made sure it was cancelled by XXXX XXXX. when i write to them, they say they have to do further research and i never hear from them. they will not allow me to make payments for less than what their website shows, so i am falling behind because i will not pay what i should n't be charged for. loan # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information several times via XXXX, Experian Upload, and directly to Experian through my credit monitoring application. The information was what I was told directly from them that I needed to remove the file. Both XXXX and XXXX have removed the account. My first submission was in XXXX of 2021, then again in XXXX and XXXX. The account in question is a fraudulently opened XXXX account that is now charged off but paid in full.
Product: Debt collection

I have repeatily contacted Portfolio Recovery Assoaciates over the last 4 years regarding the balance of {$1700.00} on Account # XXXX that this is not my debt and have offered the following ; My name is not XXXX XXXX My Address is not XXXX XXXX XXXX # XXXX ( This address is a single family home ) The deliquent debt has never shown on my credit report The social security number for XXXX XXXX does not match mine I have experienced ID theft as reported to the FTC Today I asked them to XXXX XXXX XXXX and there is no record of that name at XXXX XXXX XXXX I am XXXX XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX, MA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my XXXX  WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Product: Debt collection

Someone from accounts receivables reached out to me on XX/XX/XXXX. I told them I would be disputing the debt. I emailed the email from the mailed letter. Some again reached out in early XXXX about the same debt and stated I would need to send proof I owed. That's not my job, I called the said apartment complex for more information. They still have not provided anything
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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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.
Product: Debt collection

I was told to send them a police report and a identity theft report from XXXX
Product: Credit card

I was denied a price match for reservations through Capital One 's travel portal. Despite meeting all criteria on the website ( XXXX XXXX XXXX ), the supervisor mentioned an unlisted policy excluding discounts on third-party sites and denied me the request. 

I feel unfairly treated, especially considering there is no mention of a discount policy even after conducting a XXXX search. While the supervisor acknowledged the absence of this information in the terms and conditions page, no action was taken to rectify the situation. When seeking assistance to escalate the matter, I was informed there is no higher authority available to speak with me. Despite the supervisor 's promise to take a note, no resolution or timeline was assured. This experience has not only resulted in a lack of clarity and financial loss but has also eroded my trust in my relationship with Capital One
Product: Consumer Loan

My problems began with Santander Consumer USA on XX/XX/XXXX the day I signed the loan contract. I then discover that the dealer ship that did my finance paperwork XXXX put the wrong date that the loan was effective. The put that the loan date was on XX/XX/XXXX which is fraudulent. I tried on numerous occousions to get Santander to correct this but of course they did n't. Fast forward to XX/XX/XXXX thats when I started getting the billing issues. Keep in mind that I never missed a payment and according to the loan contract if i was ever late with a payment the late fee was XXXX for each occurrence. Also the monthly payment amount that was stated in the loan contract was XXXX. In XX/XX/XXXX they have sent me a bill for XXXX almost triple my car payment, In XX/XX/XXXX they sent me a bill for {$560.00} again almost triple what my car payment was supposed to be. As you can see in the statements i keep sending in my regular car payment but I never got proper credit for it. I called them on numerous occousions for them to correct the issue but they never did. The billing situation got so bad that i was forced to let them come get the car you will see this in the billing statements. After the voluntary repossession which happened on XX/XX/XXXX they did not send any of the required documents via certified mail that i was supposed to have received. Occording to North Carolina law i was supposed to have received a certified notice to how many days i had to pay off the vehicle before it went to auction, never received that. Also after they auction off the vehicle i was supposed to received another certified notice saying how much they sold the car for and how much i still owed on the car. Never received that either. So that alone makes this very unethical and possibly an illegal action. After the reposation and the selling of the car i would get harrsing phone calls non stop on a daily basis from Santander saying one day I would owe XXXX on the account then the next day they claim I owed XXXX and so on so. The amount they claimed i owed was very inconsent.