23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We have been attempting to pay our monthly condominium fees XXXX to XXXX XXXX XXXX XXXX. The payments for 5 months keep being returned. We emailed the management company, and delivered a letter to the Board of Directors by certified mail, and have been ignored by them ( a direct violation of the Ethics Code for being a Board member and fiduciary duty ). 

We finally sent emails to the officers of the management company, and received a reply from the president, XXXX XXXX. He informed us that our payments were being returned because we had been placed " in Collections '', and our payments had to be made to the association 's Attorney. The association Attorney, under VA 's Civil Code, is required to inform us, in writing, by certified mail, that we have been placed in Collections. We have not had any response or communication with the management company office since XX/XX/2020 despite emailed requests for information ; and we have received no information from either the Board or the Attorney, by email or letter, let alone a certified letter. 

We have continued to make our payments by XXXX -- several times a month -- but they continue to be returned. Our condo unit will need to be sold as part of an agreement for the VA loan program for our current domicile. We think the Board and the Attorney are attempting to falsely foreclose on the condo unit, or to hold it hostage for fraudulent collection charges. 

This is not the first time the Board or the Attorney have acted in an underhanded manner with unit owners. We can not do anything and can not verify anything. We can provide receipts of our payments showing we are current in payments -- if they would be applied when received and not returned to us. If we were put in collections some documents need to exist -- including a proof of certified mail received by us. We can not obtain proof of anything : not when this collection started, nor for what amount, nor proof of certified mail sent to us. We do not know what we should pay and to what address. 

We asked disclosure of our financial situation for our account repeatedly, by certified mail and emails and we have not received it. We have the receipt of our certified mail sent to the Board, and emails to prove our efforts. We are kept in the dark and, despite our payments, our account is unpaid now for as much as 5 months. And, apparently, we are in " Collections ''.
Product: Credit card or prepaid card

My American Express credit card balance on my XX/XX/XXXX statement was {$1200.00}. I used my cash back rewards of {$52.00}, made additional charges of {$29.00} and a payment of {$1.00}. This left me with a balance of {$1200.00}. However, the website showed that I still had a Statement balance of XXXX. It did not apply the {$52.00} to the previous month 's balance, only the current month 's, so it showed that I now had to pay MORE than my current total balance in order to pay off the previous statement balance and avoid interest, even though this would result in a credit balance. 

The explanation I received from their online chat was : " I see that you've redeemed {$52.00} cash back on XX/XX/XXXX and it will post in your next statement. 
Once you use your reward dollars it gets adjusted towards the new charges and not the charges those are billed on the account. 
Hence it will lower next balance I see that your XXXX statement is closed with balance of {$1200.00} and you've made the payment of {$1.00} So, the Remaining statement balance is {$1200.00} which is due on XX/XX/2021 '' So, I submitted a payment for {$1200.00} even though this exceeded my balance. I received an email confirmation of this payment. 

Then, a few hours later I received an email that they had automatically reduced my payment amount to {$1200.00}, my total balance! This leaves me with a {$22.00} statement balance which if I don't pay, will result in me being charged interest, but their system is preventing me from paying. They are forcing me to pay interest by not applying the rewards statement credit to the statement balance, only the current month 's balance, even though it is reducing the total balance. 

I raised this issue with them and they said they would waive the interest charge, but I am still reporting this issue because it means their system is designed in a way to force people into a loop that causes them to pay interest unless they contact customer support like I am doing. They need to fix this system.
Product: Debt collection

CommonWealth Financial acc # XXXX is reporting on my credit report. I have not been to the Hospital or had any medical attention and this is not my account reporting on my report with these people. I am requesting full deletion of this account on all credit reports to not be added back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported in completely accurate and correct. The following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX The listed items is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.
Product: Credit card

I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX
Product: Credit reporting or other personal consumer reports

as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Mortgage

XXXX XXXX XXXX sold my loan mortgage to Green Tree Servicing since XXXX XXXX. Then now Green Tree changed their name to Ditech. 
Starting on XXXX XXXX, I paid {$800.00} for payment of XXXX and {$5000.00} which breaks down {$770.00} for payment of XXXX and {$4200.00} for paying extra principle. The billing statement on XXXX/XXXX/XXXX was CORRECT that showed my principle balance was {$87000.00} and the due date on XXXX/XXXX/XXXX. ( See attach ). 
I paid {$770.00} on XXXX/XXXX/XXXX for payment of XXXX. So the current principle balance is {$87000.00} - {$180.00} = {$86000.00} The billing statement on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX were wrong. ( See attach ) I had several phone calls to speak with different representatives to confirm that I did n't pay late ; I did request all my extra money paying to my principal ( {$4200.00} ) ; and my current principle balance was wrong. XXXX is my second language, so I sent email and physical mail to Ditech in order to make sure they clearly understand what these problems are, but it was not completely resolved. Please help and call me any time XXXX for further questions. Thanks in advance. XXXX XXXX.
Product: Mortgage

I closed on a mortgage with XXXX XXXX XXXX XX/XX/XXXX that required PMI to be included. I was told to have the home re-appraised in 6 months to have the PMI cancelled. Just after closing, the mortgage was sold to Wells Fargo. Subsequently, I remodeled the entire interior of the home, bathrooms, kitchen, plumbing, etc.as well as new carpet and paint the whole house. I had the home re- appraised in XX/XX/XXXX which resulted in 79 % Loan to Value Ratio according to Wells Fargo . ( remodel was mentioned in the new appraisal ). XX/XX/XXXX, I receive a letter from Wells Fargo reading, even though your loan does meet the LTV ratio requirement indicated above ... ..you need to take additional steps to cancel your PMI .... send us receipts of structural improvements only or a check for {$32000.00}. The supervisor I later talked to said none of the remodeling I did was considered structural therefore does not count. 
The house originally went on the market for {$320000.00}. I purchased it for {$280000.00}. The original loan amount was {$250000.00} ( 90 % LTV ). 
The supervisor I talked to today, said it doesn't matter if the house is worth more, only if there are structural improvements or not.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and noticed quite a few inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that no consumer reporting agency may furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hard inquire not authorized XXXX XXXX XXXX XX/XX/year> Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted my lender to ask them why they had stoped AutoDraft with my bank on my mortgage payment which Ive had turned on for the last 5 years, my lender tells me that they looked at some public records and saw that my wife was filing for bankruptcy which is totally inaccurate. My wife has never filed for any type of bankruptcy ever. However, my daughter who have the same name as my wife but shes a Jr. is the person filing for bankruptcy so after I clarified this information with my lender, indeed lender admitted to me that they had made an error on reporting inaccurate information so I asked them to fix the issue and they suggested I file a dispute with the 3 credit bureaus assuring me a faster response through them to fix this error which I did I started a dispute with the 3 credit bureaus but 3 weeks later my lender fought this information against me stating that the information the have is accurate and wont fix their own error even though they admitted to me their error over the phone.
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. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in the amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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: Credit reporting, credit repair services, or other personal consumer reports

Follow up to CFPB dispute XXXX. Dispute letter date XX/XX/2022 requesting Equifax to remove inaccurate address information from report. As of XX/XX/2022, inaccurate information still reported on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

GREAT AMERICAN FINANCE, account no.XXXX is inaccurately reporting on my XXXX  credit report.I have disputed this account with XXXX  about 10 times.I would like XXXX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and XXXX  SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays XXXX days when the account was paid and closed over XXXX years ago.
Product: Credit card or prepaid card

On XX/XX/XXXX ( approximately XXXX XXXX   EST ) I contacted XXXX- XXXX XXXX about account ending in XXXX ( opened in XX/XX/XXXX ). 

I was forwarded to representative XXXX XXXX. Immediately after she verified my name, I asked XXXX XXXX for her employee ID number for my own notes. She refused to give me her ID number by saying, I am not getting into this, I will just send you to a manager. I thought that she was reacting abruptly but I said that it would be fine to send me to a manager. XXXX XXXX then put me on hold after which XXXX, Senior Resolution Specialist ( ID number XXXX ), picked up the call and asked me to verify my information. I asked if she were a manager and she said no, but gave me her title and said that she could as much as a supervisor could. We began going through payment options, she asked if I could pay the current balance due, I offered to pay more if we could get to a reasonable amount. XXXX ultimately said that if I could make a payment of {$910.00} then XXXX could waive the rest. I said that it sounded like a settlement and I didnt want to do a settlement. She assured me that it was not a settlement and asked if I would like to pay the {$910.00} agreement. I said that I would like to make that payment once I see it in writing, XXXX then said that she could not provide the agreement in writing. I ask her to tell me where it says that she can not provide me the agreement in writing. XXXX ask if she could put me on hold so that she could find my answer to that question. After a while on hold she returned to say that she was still looking for an answer and asked if I she could place me on hold again. I agreed to hold. After being on hold for a little while, the called completely disconnected. After the abrupt handling from XXXX XXXX, I now felt XXXX may have purposely ended our call. 

I called back, spoke to XXXX ( ID XXXX ) and told her that I was working with XXXX and wanted to be reconnected with her. XXXX said that XXXX ( ID number XXXX ) was no longer available and may have just left for the day. Now, I really felt disappointment about how I was treated by XXXX XXXX and XXXX. It also made me apprehensive about how I would be treated going forward. XXXX said that she would help by looking at XXXX note. She saw that were arranging a payoff amount of {$910.00}, but said that it had to be a settlement. I said that XXXX said it was not a settlement and at this time I would like to speak to a supervisor to discuss things further. 

I was forwarded account supervisor XXXX ( ID number XXXX ). I told him about my experiences with both XXXX XXXX and XXXX. I told him about XXXX refusal to put our agreement in writing. He said that he would tell XXXX XXXX supervisor about how things were handled. He did not mention XXXX. XXXX then said that the only two options he could provide me were a settlement for half the cost or to waive the late fees up to about {$200.00}. By this point I was frustrated and dismayed. I said that I would need to think about what I would like to do next and ended the call. 

While thinking about what to do, I chose to file this complaint with the CFPB.
Product: Debt collection

i had fraudulent charges on a Sunoco credit card issued by Citibank with account number XXXX. I have had repeated conversations with representatives of Citibank in which they acknowledged that the charges are fraudulent. Nevertheless, they keep sending me invoices and keep reporting the account as delinquent. They have even informed the credit reporting agencies, on more than one occasion, that the charges were fraudulent resulting in restoration of my credit score. But then they send more invoices and falsely report the account as delinquent yet again. This has been going on for months and I've spent hours with their representatives. They're impossible. 

Please help! 

XXXX
Product: Credit card or prepaid card

Hi, I was an authorized user on my brother Capital One Savor credit card account. I was given my own card in my name and I made purchases in XX/XX/2018. I also paid the bill 30 days later when it was due, XX/XX/18. 

Later, my relationship with my brother became strained in XX/XX/2018 with him stalking me and my family and sending us derogatory messages. He also called and reported my purchases as fraud. Now one of my purchases, particularly XXXX want their money again and I already paid them. XXXX also have denied me access to pay with any card because of the returned payments. Pls help me.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$440.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from Gray Fox lending on XX/XX/23. I have already paid them almost {$1700.00}. I did not notice at the time that I took out the loan that the annual percentage rate will 700 %. According to the lone documents, I will have to pay back over {$7000.00}. I understand that they are a tribal lending company. I wonder if there is any resource or law that applies under usury statutes. I would never have agreed to this loan. If I had understood the terms and conditions up front.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts and inquiries which were being posted to my report. Here is the list of items which 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 XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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

FMS, Inc keeps wrting to me regarding an alleged debt to XXXX of {$200.00} for a XXXX credit card. I have never had a XXXX credit card. I called XXXX and they verified that I do not and never did have an account. I have explained to FMS that their information is incorrect but they do not listen and keep harassing me.
Product: Checking or savings account

I purchased a check ( drawn on 5/3rd ) from my neighbors girlfriend who XXXX XXXX for a living. She is aXX/XX/XXXX XXXX  to the United States and regularly uses a check cashing service. However, her I.D . is expired and she did not want to go to the DMV during COVID-19 so I purchased her paycheck ( written on a personal check w/XXXX  pay in the memo line ) from her. However, when I presented it to 5/3rd on two separate occasions it was met with wrongful dishonor. Dishonor was wrongful because they refused to even check whether the drawer had sufficient funds or had entered a stop payment order. Accordingly, 5/3rd committed a tort against its client/the drawer of the check. Furthermore, they gave me bad legal advice that the person I bought the check from was liable but the indorser of an instrument is only secondarily liable so any action against the indorser for primary liability would be dismissed in court and cost me further money. This standard practice of 5/3rd is in direct conflict with well settled principles of law, causes financial detriment to persons such as myself, and poses a great danger to those in our society who are the least well situated to shoulder that burden. If I can not present an instrument for payment to the drawee bank, then where would I present it?
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and remove the negative remarks : XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00}