23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Product: Credit reporting or other personal consumer reports

I have never been late with their company just this once. I contacted XXXX financial on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if XXXX could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. XXXX had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If XXXX could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. XXXX are making other companies believe that I dont pay my bills on time and thats not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX XXXX XXXX : Reference # XXXX Year XXXX.
Product: Debt collection

No answer. 
When I call them back, they ask for personal information that I do not feel comfortable releasing over the phone. ( i.e. address and SSN ) I have asked several times why they are calling. 
The response is " ERC, we are attempting to collect a debt '', however refuse to tell me what debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows the payments were late. The payments were never late. They also failed to verify the investigation within the 30 days. They did not provide me with any proof of their process.
Product: Mortgage

Wells Fargo Bank Home Mortgage took my house illegally even during a bankruptcy to stop the sell. Rather than correcting the error they allowed it to be sold at auction. I have been reporting this error since XX/XX/2015. Each time I reported this to the bank I was told that it's in review. The review was done by employees of the bank and I don't trust them. I was never given a chance to show them that the fault was within the bank. 
I have document that show I was targeted by the bank, they been working to take my home even though I paid my mortgage on time each month. I was never in default until they refused to take my payments. 
Now to cover they wrong they report that it was a computer glitch. Even in the wrong I'm still hearing about this review. I don't believe this has anything to do with a computer glitch at all. This is another one of their cover up of their lies and deceit.
Product: Checking or savings account

I received numerous returned items and fees when they accidentally froze my account multiple times and even closed it at one point only to send me a check for XXXX which didn't cover all the costs incurred and apology letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00}
Product: Credit card or prepaid card

In XXXX of 2021 I had requested my cash back rewards in the amount of XXXX. I requested a check and never received it. I followed up a month later to inquire the status of it. I was yold a check was issued but they would resend another. That check was never received. I called back in XXXX and was told I had to wait until the end of the month. I called at the beginning of XXXX letting them know it still had not arrived and asking the funds can be put back into my account. I was told no but they could give me a statement credit. I held off on paying my account due to the credit. I received a letter in the mail the following week stating I was unable to get a credit and they would resend another check. I called again and was told the would out a stop payment on the check and would receive a statement credit. Still no credit in my account. I called again and spoke with a supervisor stating I would get a credit. As of today, I have not received a credit. We are almost to XXXX, and still nothing. I feel that this is a UDAP violation due to not providing services promised. My credit score has gone done XXXX points due to the higher balance on my card. This has caused me harm
Product: Mortgage

I was behind a couple of payments with PennyMac but I was always in communication with them and had future payments set up to get caught up. I am a service member who was XXXX in XXXX and they knew that and used to send correspondence to my box overseas. But on XXXX this company did a lot of things without telling me. I was NOT on foreclosure and suddenly they decided to have a third party company to do an inspection at my house. This company broke inside my house with the excuse they want to winterized after the winter was over. They demaged my door, my walls, stole items from me and left my house dirty and locked me out of my own house putting a lock on the door. and when I contacted pennymac asking why I was not informed about this inspection they stated I was behind a payment and they have the right to do any inspection they please. I disputed that because no one can come unannounced to my property, damaged and steal my personal belongings, took the water meter, disconnected my services cancelled my insurance and put stickers on my door that resembled foreclosed homes which embarrassed me a whole lot. After they sent a letter to the insurance company to tell them to cancel the insurance they started sending me letter stating I didnt have insurance which they cancelled performing such acts of disregard on peoples houses. and they knowing I was overseas with the military said my house was vacant. And they will continue to come in and do as many inspections as they want. This company has no respect for its customers and will use military work against military members.
Product: Debt collection

This company has called my mother, my brother and threatened to contact my ex-husband and my father. They make multiple calls in a row to me and have contacted other people " trying to locate '' me.
Product: Checking or savings account

A couple of years ago, my business account was closed with no explanation. I had some refunds for around {$500.00} credited to my debit card after the account was closed. I still have not received those funds. A check may have been sent out in the past but I was out of town and not available to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of things on my report 1 XXXX XXXX XXXX XXXX isnt mine at all 2 there are two XXXX i dont know what that is not mine i need my repor updated and the items that should come get it off of there
Product: Debt collection

I have been receiving debt collector calls from SYNERPRISE CONSULTING SVS for months now and for a while it was routine to get a phone call every morning around XXXX XXXX. But now I receive calls at random times and I do not answer them so I always receive a 6 second voicemail where nothing is said. Often times when I answer, it is that same silence and then the phone hangs up. They often called every day of the week with sometimes missing a couple or few days in between calls.They also change what number the call from every couple of months.
Product: Mortgage

In late of the year XXXX, I got my house refinance with American mortgage company with a variable rate of 12 % and I have told as long as the rate market change they will make adjustment and a couple years later I believe they transfer the loan to Ocwen Loan Servicing since that period of time I never get any info from the mortgage company about the rate of my mortgage and I call Ocwen today and I spoke to XXXX XXXX and He told me his badge # is XXXX and I ask him about my interest rate and he told me 11.24608 % and I ask him how that can be and he told me a long history and He said that I agree with him in year XXXX for for a fix rate 0f 11.24608 and I told him I never talk to no one in Ocwen in any such act and I never sign any such contract with them because when I check online I figure out I still own them around {$40.00} and I thought the mortgage is suppose to finish pay for. I ask him the paper work with my hand signature and the witness where I agree with him and He asks me for my email address and I gave him my email address to send the package to me and I never receive from him. I believe Ocwen Loan servicing is a scam mortgage company and I ask you for help because I ' am suppose to be scammed by such institution who suppose to protect us. I really in need of help
Product: Credit reporting, credit repair services, or other personal consumer reports

I Call several times and the explosion spoke with the XXXX  and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr clock  starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on XX/XX/2022, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. 

Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

My mortgage was sold to Mr. Cooper a few months ago. They have since raised my escrow amount around {$450.00} a month. My taxes actually went down this year. They wrapped my flood insurance in, which I pay on my own directly to FEMA. That is on it's own only {$270.00} a month. I am wondering how a company can do this huge jump in escrow without a reason. They will not take out the flood insurance from the escrow. I am very frustrated and don't know what to do
Product: Debt collection

On XX/XX/XXXX, the civil court Summons was left under my apt door. The person who was sued was spelling same name as my name but the address was located at XXXX XXXX XXXX XXXX NY XXXX. I checked XXXX XXXX websites the wrong address, PNC Bank account and XXXX XXXX XXXX account with debt of {$7000.00} was listed. I was shocked because that debt had nothing to do with me. I live in XXXX with Zip code XXXX since XXXX and nerve move out. I nerve know PNC Bank until I saw the Summons. I nerve know that address until listed on the Summons. The XXXX XXXX at Fraudulent Dept reported that the person in XXXX used my SSN and personal Identities to opened credit account and check account in PNC bank. Therefore I reported ID Theft and called PNC Bank Fraud Department with Refence # XXXX and reported to XXXXXXXX XXXX XXXX with Reference # XXXX. I wish the Lawsuit could be dismissed and my credit history could have a clearance
Product: Mortgage

Sent all required documents along with our insurance checks from our claim due to Hurricane Milton to Freedom Mortgage for endorsements. We also included a pre-paid addressed return XXXX label per Freedom Mortgage process for tracking our own money. Freedom Mortgage endorsed and returned one check ( ironically, the one that is only for {$1400.00} ) with a letter that only states, enclosed is your insurance check ( s ) that we endorsed as you requested. There is no indication or explanation as to why they did not return our {$22000.00}. Upon calling Freedom Mortgage, we were told several different things, one was questioning the authenticity of the check, after confirming and being placed on a lengthy hold again, I was told that the processor requested another copy of the final report from our insurance company & that I am welcome to call back on Monday to ask if they received it. I asked if they can over night the check on Monday after I confirm received. I was told no, our process is 6-8 days to process, and once processed, they will send by regular usps with no tracking unless I send another pre-paid shipping label. I asked why they used my other label to send only one check ( the small one ) with no explanation why and was told I cant answer that. If there was an issue with our claim, Freedom should have done their due diligence to notify us. It doesnt make sense that one check was released but not both if there was truly an issue. 
I think Freedom mortgage is unethical, their representative XXXX is extremely untrained, disrespectful, rude and refused to provide necessary contact information for the processor to me. Based on the information I received from them after calling, I believe Freedom mortgage was trying to keep our check. By there deceit and delays, we have been put in a compromised position as we have already had our roof replaced at the recommendation from XXXX as they said the mortgage company just needs to endorse and we can let the roofing company know that payment has already been approved. XXXX has a net 30 day payment system that we will be in default of due to Freedom mortgage negligence.
Product: Credit reporting

Equifax is inaccurately reporting my Bankruptcy discharge date as XXXX/XXXX/XXXX, when in fact it was XXXX/XXXX/XXXX eleven years earlier. I have disputed this information several times and sent supporting documentation to no response from them. This inaccurate info is causing me difficulty with job searches and obtaining credit. This is an extreme hardship to me financially and they refuse to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in the name of XXXX XXXX is doing nothing but running peoples credit by doing soft and hard inquires under names associated with XXXX XXXX or XXXX XXXX. Such as the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is making it a point to use these companies to run peoples credit scores down into the ground so they had to pay more credit when they authorize when they recommend them for credit, the consumer financial protection bureau need to take this kind of power away from the three credit bureaus all they should be there for is to oversee credit not strong thumb people into high outlandish interest rates because they have done excessive excessive excessive amounts of inquiries, hard and soft on their credit which drives a Credit score down their credit writing down there XXXX score down everything XXXX needs to be punished punished severely punished like XXXX with a Federal Trade Commission punish light blink with a Federal Trade Commission. They need to be punished for what they are doing.
Product: Debt collection

Hello I have repeatedly asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. To provide proof under the Fair Debt Collections Practices Act ( FDCPA ) to provide proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding me to pay this debt. There has been no signature or any type of paperwork on what is owed. I have not got any response from the company besides a plain paper with amount owed. This is hurting my credit score and causing problems with my finances, I believe not showing proof is against the law from collection practices. Please stop reporting this account to the credit bureaus if you can not provide any proof to me.I have certified records of the letters that have been sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have not been shown for months any kind of proof this is my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In purchased a pair of custom dressage boots from XXXX XXXX and used XXXX ( XXXX affiliate ) to pay for them. The boots were never delivered and XXXX XXXX agreed to refund my money, but never didXXXX XXXX policy was I had to resolve the dispute with the vendor 60 days after purchase. I filed a fraud claim with my bank and XXXX of the XXXX payments were returned. XXXX then said the bank took the money from them and I owed them. A dispute was opened, documents were provided and they never responded. I now have a collections request from True Accord saying I owe XXXX twice what XXXX  says I owe them. 

I followed XXXX policy and XXXX being asked to pay for a product I never received nor was fully refunded.
Product: Credit card

I had both of my credit card accounts closed due to returned payments on XX/XX/XXXX from a bank account I had closed. I added my new bank account and made payments on XX/XX/XXXX, called them and was told that there is no problem on the account. As of XX/XX/XXXX both accounts are now closed and I was informed that it was because of the returned payments. I asked why I was not notified of this closure when I called on XX/XX/XXXX and how this was a reasonable closure based on the payments posted 6 days after the return. I was told there was nothing that could be done to change the decision.
Product: Money transfer, virtual currency, or money service

I did create an account with wise and My account was deactivated, and I had an available balance ( XXXX $ ). I requested a refund since XX/XX/XXXX and made my appeal using my friend 's name because I wanted him to receive the money. WISE made the mistake of putting my name instead of keeping my friend 's name for the transaction, but they kept his account number and bank 's XXXX XXXX. The error is not mine, as I had entered the correct information. You made the mistake, and I should not have to pay for your error. It's unfair. Now, my friend 's bank rejected the money on the same day, and I want to have my money back. 

I sent my friend 's bank statement to prove that he did not receive the money because the name was entered incorrectly, which is why his bank declined the payment. Please, I want this money back. 

I have more than XXXX weeks asking for this money and they not trying to help me.