23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Friday XXXX XXXX, 2017 I received three letters concerning three accounts I have with M & T Bank- that they are going to close all my bank accounts- including a personal credit card, my personal bank account, a company bank account and my 401K retirement account in 30 days and I must take all my accounts to another bank. They have not given me any reason for this and state they will not give me a reason. I have a XXXX credit score and never had a returned charge. Also, the 401K bank account took weeks to set up and I can not switch this account to another bank at this time and possibly not at any time in the future. Some banks do not open accounts like this and it is a very long process to open this type of account. The bank has required me to keep {$5000.00} on deposit for my 401K accounts and I have done that. Why would they not want to keep this account since there is no expense for them to hold and maintain this account? Why do they do this to a very good customer with a very good record and credit score? I can not move these accounts at this time because I am a XXXX for a XXXX XXXX XXXX program and have too much work to do in the last 4 weeks of the session to spend on setting up new accounts with another bank.
Product: Debt collection

To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXXXXXX ACCOUNT XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

We purchased an item through XXXX on XX/XX/XXXX. When we realized that we were deceived by the seller, we contacted CITI and filed a dispute with their department, case # XXXX. At that time we clearly informed CITI 's dispute dept. that we had the merchandize and that we would send it back to the seller if the seller pays for the return shipping cost. The seller refused to pay for the return shipping. CITI then reversed the charge of {$1700.00}. 

After over four months and many emails with CITI, on XX/XX/XXXX they informed us that they had reversed the credit because we were in possession of the merchandise, the fact which they were aware of when we filed our dispute on XX/XX/XXXX Their dispute department clearly did not read any of our responses and denied our dispute based on the fact that we had the merchandise, the info they were aware of on XX/XX/XXXX! 

We then followed up by filing a complaint with CITI 's Executive Office. However, we later received an automated email stating the same irrelevant reason for denying our request to reverse the charge. CITI 's Executive Office personnel paid no attention to our many emails to them and their dispute department and refused to reverse the charge of {$1700.00}, even after XXXX informed us that that option still existed for CITI to debit XXXX. 

Their first excuse was that the deadline to reverse the charges had passed. Then, they changed the excuse for not reversing the charge was because we still had the merchandise! 

CITI bank has failed to protect us, its customers, by their poor handling of our dispute and dragging the issue unnecessarily, and finally, denying our claim based on the information which was available to them over four months ago.
Product: Mortgage

Hello- I am trying to remove the escrow account associated with my mortgage. I have contacted TD Bank, who services the loan and escrow, about this multiple times. I called customer service three times : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they asked me to submit a letter with e.g. account details and details about the request. The second and third times they said there was no record of having received a letter nor of the previous calls I made. 

I delivered the letter to them three different ways, all of which the customer service representative suggested. The first ( XX/XX/XXXX ), I gave the letter to a local branch. The second, I mailed via USPS. The third I emailed to them directly. 

I've received no communication back from them and don't know how to move forward with this. Any help would be very much appreciated. Thank you!
Product: Credit reporting

After reviewing my credit report I found that this fraudulent item was placed on my credit. at the time this item was establish XXXX. 

Account name XXXX XXXX XXXX {$4700.00} is a fraud item
Product: Debt collection

Every day for the last several weeks between XXXX and XXXX I get a call from XXXX about a collection. 

I dont owe anything to anyone and after looking online this company has been known for harassment and has been sued multiple times for this behavior.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised these accounts listed in letter was fraud. Said company had days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is nor request EQUIFAX to provide the documentation used to determine the accounts was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet take signature, consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it evast be removed asap. SAID company is liable under the SEC to follow certain reles. EQUIFAX Commission file XXXX P. XXXX XXXX XXXX XXXX
Product: Credit card

I called PNC XXXX Card Services on XXXX XXXXXX/XX/XXXX to let them know that I wound get paid until the XXXX ( due date is the XXXX ) ask them can they waive my late fee. I was advised when I made the payment to call back. I made the payment & I called back & they never waived the fee. Now my minimum due is {$130.00} & that's is not normally I have called got laughed at and hung up on. Please assist if you can. Thank You for your time.
Product: Debt collection

Today, XX/XX/XXXX I received a phone call from XXXX D2 Management A. they called before XXXX XXXX.
B. when i returned the phone call, they said they were looking for XXXX, but never verified my identity. C.  When I asked for prove of the debt, they declined to send it, saying they have sent it to the old address on file, being XXXX XXXX XXXX XXXX XXXX Illinois XXXX D. When I pushed to get a copy of the debt in writing, they pushed to saying that I was refusing to take pay my debt.
E. I then asked to speak to a supervisor, XXXX XXXX, and asked her the same, she refused to send proof of the debt in though the mail, and pushed to send it via email, which I continued to push for sail mail, saying it would cost them postage. Saying they have sent it to my old address on file, someplace I have not lived at since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX when hurricane hit I opted for the 3 month forbearance. Was informed the payments would roll to end of loan and resume normal payments in XX/XX/XXXX. I called to make my payment in XX/XX/XXXX and was told that no that's not an option I had to pay amount in full. When I agreed that that wasn't agreement the stated I had to go through loss litigation now to fix this problem. I was told that it wouldn't be reported to my credit. Well it was. I have called and emailed and every time I get a different answer or no response. I also called to make a payment and they refused to take my payment. I have multiple hours of phone calls and emails begging to get this resolved. I have sold this home and now can't get a mortgage due to this. I have been told per The money source that they have multiple people with the same problem. I have also been told due to fact I have FHA mortgage that the payments can't be added to end. I am at a loss with this company and how to fix this problem and remove this from my credit. It shows 90-120 late with disaster forbearance yet no payments behind. I was told to contact you since I am getting no where with this company.
Product: Mortgage

I was and I still am a victim of Hurricane Michael. it happened XX/XX/2018. 5 months later, my home is still deteriorating due to roof damage, because Suntrust Mortgage has my insurance money in an escrow account. I and my contractors have filled out the required forms several times. I have faxed all forms 3 times, and my insurance co. emailed them once. Each time, Suntrust keeps adding on requirements. In the meantime, I literally have rain water pouring through my roof. have replaced tarps 4 times already. Ceilings, walls, and floors are ruined, and water pours in garage on my suv. I need MY money to begin repairs!!! There is mold growing in my attic, and thru my ceilings. My pups and I are getting sicker, and sicker. I am prepared to hire an attorney to sue them for much more than the amount in escrow.
Product: Credit reporting or other personal consumer reports

recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report Company. They claim free credit report. When your alerted to a problem, your told to check your credit report and every time there has been no problem. What happens when you order your {$1.00} Credit repor and FICO Score you begin a 7 day trial membership. If you don't cancel within the 7 day trial period, you will be charged {$21.00} per month that you continue membership ( my charges have been {$2400.00} per month ). I tried to cancel many times but you can not get in contact with anyone. Phone calls are not answered, only put on hold. This has been going on monthly since XX/XX/XXXX ( {$190.00} ). Again, I have tried several times to cancel the so called membership but no answer per emails or website. This is truly a scam and needs to stop. I'm not alone as you can read below taken from Experian reviews taken from the Web : XXXX of XXXX, NY Verified Reviewer Original review : XX/XX/XXXX They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR! Just filed a complaint with the Consumer Finance Protection Bureau. Supposedly they will investigate and contact them. Please file a complaint here https : //www.consumerfinance.gov/ and  maybe something will be done! 

XXXX of XXXX, MA Verified Reviewer Original review : XX/XX/XXXX Same story as everyone. I paid for a credit report and randomly discovered charges to my credit card from Experian. Now I get to wait on the phone for >2hrs to cancel the membership I didn't want, I didn't know I signed up for, and that I need to waste a lot of my time untangling. Absolute **. Absolute scam. And, absolutely no surprise that everyone else has nothing but horrible things to say about Experian. 
XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX To get a credit freeze, after the big XXXX data breach, Experian asked for a lot of information, and then at the end of the filling out info turns out they were trying to SELL me not help me, for $ XXXX/month. I called in the very day and after being on hold for a very long time, they told me they cancelled it, which they did not, and I've been charged ever since XX/XX/XXXX. When I called and complained they said they would cancel me -- but remember they already did that in XX/XX/XXXX, and they offered to give me a month of the more than 80 they charged me. VERY bad customer service, and unfair billing practices. Not a happy customer, and sounds like I am not alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX.XXXX.18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts.

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete.

Among the particular items of focus is the reporting of the following : 1. ) XXXX XXXX  ref # XXXX  late payment history incurred due to fraudulent activities on this account.

2. ) XXXX XXXX XXXX ref # XXXX  -- - this is not my account. I am not liable on this account. Delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, im a living human being, and i have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. AND THEY VILOATED MY RIGHTS NUMEROUS TIMES. 
I Demand these accounts listed below be remove becasue ACCORDING to 15 USC 1681 : I have the right to privacy and I DID NOT give written permission to equifax to furnish these accounts... 

Accounts : # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the MACYS/DSNB account. XXXX  is playing dirty games ....
Product: Debt collection

My husband continues to receive phone calls, sometimes daily from a company called PRA Group. They are looking for me under my maiden name. They have been told repeatedly that they have the wrong number and that I have no business matter with them. There is no record of PRA Group on my credit report and they refuse to stop calling and request my personal information any time I call to speak with someone.
Product: Debt collection

I call to inquire about the debt and The Representative and the manger threatening to keep reporting a new balance to my credit report every month until I paid or if I cant pay I should go and borrow it. I also have it on recording with the representative telling me he have my social security number and identification if I dont pay.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I contacted the creditor to settle my balance directly, but I was informed that my account had been charged off. They then stated that it was closed and in collections with them. Despite my efforts to resolve the matter, they refuse to work with me. Due to a lack of work, I have been unable to make payments, but with assistance from family, I am doing my best to pay them. However, they continue to refuse any cooperation.
Product: Debt collection

Dear CFPB, I am writing to formally lodge a complaint against Columbia Debt Recovery concerning their handling of a debt I have been working to resolve. Despite my best efforts to settle this matter, the companys actions have been unreasonable and unjust. 

Around XXXX, XXXX, I entered into an agreement with Columbia Debt Recovery to pay off a debt in installments. I paid a total of {$1800.00} towards this debt as part of our agreement. Unfortunately, I missed the deadline for the final payment, but I immediately contacted the company to inform them that I needed an additional XXXX weeks to pay off the remaining balance. Despite my proactive approach, they denied my request for the extension. 

The company then informed me that, due to the missed deadline, I now had to pay the full outstanding balance rather than the agreed-upon remaining amount. I found this response unreasonable, especially given my good faith efforts to resolve the debt. I attempted several times to negotiate a fair settlement and even offered to pay a lump sum to finalize the balance. However, Columbia Debt Recovery insisted that I needed to pay an additional {$2000.00}, which I find excessive and punitive, especially considering that they are not properly accounting for the {$1800.00} I have already paid. 

Throughout these interactions, the companys representatives were unhelpful and rude, making the situation even more difficult. I believe their actions are in violation of fair debt collection practices, and I am seeking your assistance in resolving this matter. 

I request that the CFPB investigate this issue and help facilitate a reasonable and fair resolution. Specifically, I would like Columbia Debt Recovery to honor the original terms of our agreement and take into account the payments I have already made. 

I appreciate your attention to this matter and look forward to your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that a consumer Reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Capital one credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, XXXX and XXXX. I have a discharged bankruptcy in which Capital one accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the Office of Criminal Enforcement for the Executive Office for U.S. Trustees, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an investigator in the Office of Criminal Enforcement, who informs me that the information YOU have verified as accurate was INCORRECT.

Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Product: Mortgage

I applied for a loan modification as a result of a loss of employment. The program offered by Nationstar was appreciated but I respectfully declined. The program offered did not make good financial sense considering how severely underwater my mortgage is. 

On multiple occasions, I submitted written/verbal requests to Nationstar Mortgage declining the deferred payment plan. Nationstar has failed to remove the Home Affordable Unemployment Program. Additionally, my most recent payment remitted to Nationstar Mortgage was n't applied correctly. 

I have attempted to contact representatives from Nationstar Mortgage on several occasions for a resolution to no avail.
Product: Credit reporting

received my on line credit report. disputed some of the accounts. some were removed but a few were on summery. called again to ask to have them removed and was told they could keep them on record for 10yrs. these accounts are in good standing but go back to XX/XX/XXXX,XX/XX/XXXX. i would like to get them removed, because they look active even if being closed fo so long.