23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received the letter in the mail, then called too see what the letter was in reference to. I was told it was my portion after my insurance paid their portion. 

I was asked to pay {$500.00} that day, I stated I was unable to pay the full amount, then harassed talked down too. Threatened that I would be reported to the credit bureau. 

I paid {$100.00} at that time, and told the representative I would pay every two weeks. She the told me the only way I could make payments arrangements ; would be to give her my bank information, and I declined too do so. 

I was contacted by Ms. XXXX XX/XX/2020 in refence to paying the account off. That's when I decided to contact this office.
Product: Mortgage

XX/XX/2022, I received a letter from Freedom Mortgage about my escrow balance being almost $ XXXX short for the year now causing my payment to be an extra $ XXXX monthly. I've been having issues with my tax payments for over a year now with Freedom. 
I made some phone calls and found out that the previous mortgage company sent Freedom a tax refund to be deposited into my escrow acct. Instead Freedom processed it as a payment. And the remaining balance of the shorted escrow is from Freedom not refunding my acct a tax payment that was returned. I was told by Freedom that I have to get at letter from the previous mortgage company ( XXXX  ) stating how the check was to be processed then they will apply it to the escrow. XXXX said a letter was sent to Freedom with the check and they should've been contacted it there was any questions from Freedom. 
XXXX sent my mortgage to Freedom... I had nothing to do with it. Now I have to be one contacting different departments trying to get issues resolved when there are internal departments that can do that. 
I've continued to pay my regular payments, now I'm getting late payment letters. This has been a nightmare. It is unacceptable how this company has been juggling me for the past year, and still my issue is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, Ditech, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. Ditech then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!
Product: Credit reporting or other personal consumer reports

This is not my account there is no contract between me and XXXX XXXX XXXX stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Product: Credit reporting or other personal consumer reports

This is my second attempt at getting errors on my credit report fixed on my credit report. I contacted Equifax, previously explaining that I see some serious errors on my credit report. They " claimed '' they launched a reinvestigation but the reinvestigation did not fix the errors on my credit report. The accounts weren't even notated as have been disputed, so I seriously doubt that a reinvestigation was done on my behalf please correct these errors as soon as possible.
Product: Debt collection

I recently obtained a copy of my credit report. I realize that this collection agency ( Revco Solutions ) placed a debt on my credit report. I have no knowledge of this account. I did not authorize this account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/2023 I wrote a dispute letter to XXXX XXXX XXXX requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that Santander has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can XXXX legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}
Product: Debt collection

I have recieved a call in the past from this collector in the past. I have informed them that they have the wrong person and that I have never been to the facility listed in the letter. The debtors name is incorrect and it seems they are just trying to collect from anyone at this point. The file number is XXXX and the companys name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

approached quicken loans - rocket mortgage about rates for a first time buyer loan with good credit. spent a lot of time getting preapproved. Got the house offer accepted and sent contract to mortgage company last week which they lost. Therefore appraisal has not yet even been ordered for a XX/XX/20 closing. Just got the estimate of fees and they are high and not what we talked about. Almost {$3000.00} in points that were never even mentioned. I feel like I was baited into getting far enough into the process I could not back out and that's exactly where I am. I'm going to lose the house if I back out now.

I was told the rate would be between 2.65 % and 2.9 %. Surprise, Surprise! It ended up at 2.99 %. I can get it lower by paying a bunch of points which was not discussed. My son with almost no credit and about 25 percent of my income just got a lower rate with no points from another lender. I feel certain ( as a XXXX  and as a consumer ) that this information was intentionally withheld to trap me into using their product.
Product: Credit card

I was a victim of identity theft. The following Information is fraud. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing records despite my submission of the FTC report. According to regulation 605b of the FCRA, this is mandatory. Therefore, I am submitting this complaint to seek a lawful resolution. If you choose not to block the items listed below, which are inaccurately reflecting fraudulent activity, I will forward my documents to my attorney to initiate legal action. It is my preference to avoid legal proceedings, so please comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I opened a XXXX XXXX secured credit card with US Bank with a deposit of {$300.00}. 
They took my deposit from my checking account right away and it took them 2 months to mail me the credit card, which was ok somehow. 
Today XX/XX/XXXX I received a statement from you asking me to pay {$110.00} including past due {$43.00} I was charged late fees and other fees and interest : XXXX Total : XXXX On XX/XX/XXXX I asked your CS to close my account via email, and I got some messages from you. 
I also asked if I have to pay the balance and I was told that I don't have to. Now you charged me to pay late fees for past due amount. 
At the beginning of XXXX I received ta letter from you stating that my remaining balance will be send to me via check on XX/XX/XXXX, but I have never received such check. Instead you charged me all kind of fees. 
You need to issue a refund for all those fees I was charged and stop charging me fees and send me a check for the remaining balance. 
This message will be send to CFPB too. 
Unbelievable.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by the company listed at the end of this document. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in the unauthorized credit inquiry. As part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I request a copy of any documents authorizing credit inquiry and signed on my behalf so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind to forward to me documents that you have had the unauthorized inquiry removed. If you find that I am in error, please send proof of this. According to the provisions of S612 ( 15 us S 1681j ), there should be no charge for this report. 
Thank you. 

XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited  XXXX  Cashiers checks in my Bank of America  Checking acc ount on  XXXX  in the amounts of {$21000.00} ( a Bank of America  Cashiers Check  ) and  XXXX  " Official Checks '' drawn on   XXXX   XXXX   in the amounts of {$50000.00} and {$6700.00}. Bank of America put a hold of {$44000.00} on the funds, i.e., the paid {$32000.00} into my account until  XXXX . That means they paid the {$21000.00} Bank of America check and {$11000.00} of the  XXXX  checks. I called up bank of America both on  XXXX  and on  XXXX  and get sent around finally to the  Manager of the Escalation Dept. who was of little help and   described that they were working under Federal Reserve CC. I did look it up and it seems to me since I made the deposit in person they should have the funds available to me sooner than  one  week. I certainly need the money sooner than  XXXX . Can you help me?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

We used our Fidelity Credit Card on XX/XX/23 to make a {$100.00} purchase of USPS stamps after following a link for a sale on stamps from XXXX. 
We realized the next morning that the website XXXX XXXX XXXX XXXX XXXX is a fraud website, likely run out of XXXX, based on numerous articles and USPS itself : XXXX XXXX XXXX XXXX XXXX XXXX A quick internet search names this website, and similar ones, specifically when calling out fraudulent websites selling stolen or counterfeit stamps. The website it self is full of spelling errors and indications of fraudulent activity like " don't contact XXXXl, contact us about refunds. '' Note that we DID NOT pay through XXXX, yet still received a receipt as if we had paid through XXXX -- this was one of the first indications that it was fraudulent to us since it was so obviously fake. 

When we reached out to Fidelity about this, they refunded the money initially but then followed up weeks later with a letter saying there was insufficient evidence showing that it was counterfeit and withdrew the money again. We followed up with more information, including pointing them to USPS 's own websites and they followed up again saying that there was still " insufficient information supplied to support your claim of receiving counterfeit merchandise. '' Frankly, Fidelity is shirking their obligations as a company to combat this kind of fraud. They have the opportunity to do a chargeback and to reduce the amount of profit this fraud company is pulling in from unsuspecting people. They should also flag and block purchases to these ( and similar ) companies from the outset.

In our case, Fidelity should chargeback the company immediately and refund our money.
Product: Credit card

I had a secure credit card from Bank of America. I requested, in XX/XX/XXXX, that it be closed after applying my deposit to pay it off and send the remaining deposit back to me. 

They confirmed that the account is closed, it even stopped appearing on the app. When I called to confirm that it was closed, in XX/XX/XXXX, they again confirmed its closed. 

In XXXX of XXXX, I got a call from a dept collector saying BoA had sent my account to collections, they facilitated the call with BoA where the BoA agent confessed that the account was somehow not properly closed- the deposit was not applied to it- and it kept accruing interest. 

Although they understood the problem, they just bounced me between departments and told me that no one has the authority resolve the issue. I was told that while they understand its unfair, I should just pay it off to get it over with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. Lenders cant pull my Equifax report. Im unable to pull my Equifax report no matter which site I use. Ive tried many sites. Ive called Equifax many times & no one can tell me what the problem is. Equifax stated they dont see a problem on their end. I know its not the potential lenders fault because I cant view it using any credit report website either. Please fix this as soon as possible it is a huge inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft I see several inquiries on my credit I didnt give permission to be ran, its holding me back now that Im trying get a home after being homeless due to my identity and credit issues holding me back from someone running my name on the ground Inquiries names : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/caXX/XX/XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX 2times XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 4times XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 3 times XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They are showing up on my trans union XXXX  and XXXX
Product: Debt collection

I reached out the the company letting them know about the fraudulent account and about my identity theft he then asked questions due to validation of what he had did not match any of my information I am unaware and not reliable for the account in reference to an account none to XXXX
Product: Credit card or prepaid card

The company XXXX XXXX XXXX XXXX ) contacted my Husband on XX/XX/XXXX to tell him that I owed a debt on my XXXX ( XXXX ) and that it has not been paid and if its not paid in full they are going to take our house and file papers to sue us both for the money due. My husband contacted me to have me call them ; they told me that the debt I owed was sent to them from the owner of my account because the payment arrangement I have be making to the company I owe XXXX XXXX XXXX XXXX XXXX ) was not enough to cover what was due and they we're here to settle the matter with my account ( ( arbitration ). The Lady I spoke to told me what my settlement amount was, and what I original owed ( and she proceed to read me my Social security number ) and said if I did not take care of this today that the next day they were schedule to send my papers for court filings for the full amount of {$8000.00} ( after my car was repossessed back in XXXX how much I owed ). The lady then ask me how much I can settle for ; I said {$900.00} maybe, she said okay! I then ask can they do that Amount? she said give me your credit card number and I can check ; then she put me on hold for about 15 min then told me that I would be sent documents that I needed to sign that shows the debt is Paid in Full and no further action can be taken against me for this matter. After I got off the call I was So upset because I felt that if I made arrangements with the Original debt collector XXXX XXXX XXXX XXXX XXXX ) they should have never sent me to a third party to collect all the money at once. I then called the Original debt company XXXX XXXX XXXX XXXX XXXX ) who I am making my auto payments to and told them that it was not fair that they sent me to arbitration to try to collect all the money when we had an payment arrangement ; they proceed to tell me that they Do not and Did not do such a thing and that someone just scammed me ( falsely took my money ) because they are the ONLY owners of my account and no one else has right to collect money on it nor did they send me to another party to collect my debt. I have reported this to the Attorney General ( XXXX XXXX XXXX ) This company is the not a legitimate company because they are collecting on debt that they are not the owner 's of. They need to be should be Sued for falsely misrepresenting and need to be dissolved. I would like an investigation on them and all need all my money sent back to me. 

I did not receive any service from this company, because I still owe this debt and the Credit card company does not want to refund my money