23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital bought out an old personal XXXX account that I had back in XXXX. Life happens- and I was unable to pay the bill so I closed out my XXXX account with unfortunately money owed. 

A representative from XXXX XXXX contacted my XXXX XXXX XXXX who is not named on the bill ) attempting to reach me. They told him that they were with XXXX County Sheriffs Office, and there was an open case against me and it was imperative that I call them back immediately. The lady identified herself as a detective investing and came him a case number for me to call back. She stated that if I did not call back- legal action would be taken in the courts. 

I IMMEDIATELY reached out to XXXX County Sheriffs Department and confirmed that they had no officer by that name and that there were no pending cases tied to my name, social, or birthdate. We further confirmed with the courts that there were no open court cases.

Upon calling the number back and getting voicemail, I realized she was actually a debt collector and was using a scare tactic to get a return phone call. I left a message stating I was aware that she had identified herself as a detective with my local sheriffs officer and I had confirmed this to be false per discussion with them.

I asked for her to send any and all documentation to me in writing because at this point since she was contacting friends and family with scare tactics pretending to be law enforcement I was uncomfortable speaking with her on the phone.
Product: Debt collection

Portfolio Recovery calls me approximately 3 times a day for a debt that was my daughter 's not mine. They also call my husband.
Product: Student loan

About a year and a half ago, I was unemployed and unable to make payments to XXXX. I would get phone calls up to 8 times a day in addition to multiple text messages for months, harassing me to make payments after I had already told them to stop contacting me and that I was unable to do so. I understand that this level of harassment is illegal.
Product: Credit card

I opened a Chase United Business Club card for my small business. I am XXXX of XXXX owners of an LLC. I was told by Chase when opening the card that I would be able to get cards for the other XXXX owners of the company with similar usage rights. The card has an annual fee of {$450.00}. After XXXX of my business partners went to use the card at the airport and was told that I needed to be present to allow him XXXX. I specifically asked Chase prior to opening the card as to whether this issue would happen - they assured me that it would not. I then called to have my partners added to the business as owners and Chase told me that they could not assign additional account owners to a similar federal tax ID. I then asked to cancel my card and have them refund me the {$450.00} annual fee as I could not use the card as they told me I could. They also told me they would not refund me the {$450.00} because it was beyond XXXX days. They whole enrollment process and information surrounding this card was incredibly misleading and confusing if not downright fraudulent.
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. 

XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX  : XXXX
Product: Payday loan, title loan, or personal loan

Was never notified that Wells Fargo had decided to decrease my line of credit from {$7500.00} to {$5700.00}. Logged in to my banking today and found that after having this account for 4 years and never missing a payment that had decreased my limit. When I called about it I was given the run around, and told it was because they had " received a soft copy '' of my credit report and it stated that I had open to many accounts recently and that I had to many inquiries on my credit. I found this to be pure lies because I have opened no new accounts and not let anyone run my credit in almost 1 year. They said well they use XXXX, which again I found to be lies because I have credit monitoring with XXXX and had just paid for a copy of my credit report to see the status of a fee accounts I recently closed and paid off ... The Wells Fargo representative said they would gladly run a full credit check, i.e. try and substantiate the very lie they are telling stating I have had my credit run this year and / or to many times. Why on earth would anyone let them run their credit again when they have already had the account for over 4 years. Or why would someone let them run their credit after a representative just got done stating you have to many inquiries on their credit. Either XXXX credit monitoring and credit report is lieing or Wells Fargo is utilizing unethical and illegal practices to attain credit information on individuals. Additionally, their management customer service representative became rude and ignorant and more concerned with getting me off the phone than fixing the situation.
Product: Debt collection

I already filed one complaint in XXXX this year and they closed the file. Now they are they are trying to collect again. The prior CFPB complaint number XXXX The basic complaint is that the property manager did not provide a legally acceptable unit with livable conditions and did not rectify the situation in a timely and legal manner. The events are as follows. On XX/XX/2020, we emailed our contact at XXXX, XXXX XXXX, that we found bedbugs. XX/XX/2020 it was acknowledged. XX/XX/2020, six days after the initial complaint was sent, an exterminator came to our apartment to spray pesticides within the home. Two further visits, the last of which came on XX/XX/XXXX, one month after the initial complaint, did not satisfy the bed bug problema and it continued to persist causing extreme emotional and physical problems. According to Colorado Law 38-12-1002 ( 2 ) : " Not more than ninety-six hours after receiving notice of the presence of bed bugs or the possible presence of bed bugs, a landlord, after providing notice to the tenant as described in section 38-12-1004 ( 1 ) ( a ) : Shall Obtain an inspection of the dwelling unit by a qualified inspector. '' This is a clear violation of the law as more than 96 hours had elapsed. A full week had lapsed with my family living in a health and safety hazard. In addition, the bed bug problem was not sufficiently resolved, as multiple extermination sessions were placed causing extreme inconveniences for not only ourselves, but our pets as well. Furthermore, the exterminator advised us that the building ( not our unit specifically ) was dealing with a bed bug problem for quite some time. He did not reference a specific date, however, considering we just moved in a few weeks prior, we took this to mean longer than two weeks. After hearing this information, I sent another email to the leasing office dated XX/XX/2020 requesting eight months of history regarding bed bugs in our apartment. This information is legal requirement per HB 19-1328 in which : " A landlord shall not offer for rent a dwelling unit that the landlord knows or reasonably suspects contains bed bugs ... .Upon request from a tenant or a prospective tenant, a landlord shall disclose the last date, if any, on which a dwelling unit being rented or offered for rent was inspected for, and found to be free of, bed bugs. '' I received no response to this email until eighteen days later from XXXX XXXX that there are no prior records in our apartment, nor any other apartments. This contradicts what we heard from the exterminator. We conclude that the landlord did not comply with state law and get an inspection done within the required 96 hours while also providing substandard and ineffective resolutions. Therefore, in the interest of the health and safety of my family, and at great personal cost, I terminated our lease and moved out. Now the property manager and ltd financial services are trying to collect a debt that we find to be illegal.
Product: Credit reporting or other personal consumer reports

These late payments are not reflective of my typical payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed I had unauthorized fraudulent inquiries. I sent letters to Equifax and XXXX with a FTC report attached but they did not remove the inquiries.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud theft and in results there are inquires not authorize or done by me I have previous sent in supportive documents I am requesting the following to be removed ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 11 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to Transunion requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Product: Mortgage

I had fallen behind on my mortgage and was in foreclosure. I applied for a loan modification in an effort to save my home. On XX/XX/XXXX I was denied for a loan modification but approved for a repayment plan. The conversation I had with an SPS representative is attached. Although I followed through with the repayment plan, SPS sold my house at auction on XX/XX/XXXX. That sale was vacated, I have attached the docket for my foreclosure case. The certificate of sale is document # 27. I continued to make the repayment plan payments, please see plaintiff status update filed with the court XX/XX/XXXX stating I have made every payment on time. On XX/XX/XXXX I had the following conversation with an SPS representative - " spoke to XXXX XXXX and his position is the investor just wont review / he can short sale / does not care what was promised or that the client followed through for a whole year ". I am now asking the CFPB to examine this situation because I believe I have been lied to by my mortgage company. I was told I could continue the repayment plan until I was current, after one year they refuse to review when I was promised. I did my part and I feel this is unfair, thank you.
Product: Student loan

I am locked out of my MOHELA account. I had saved the password for my browser, so I am sure I did not incorrectly enter it. I tried to go through the online password reset, but when putting in my date of birth and social security number, I am told I do not have an account. When I go to register a new account though, it says my account already exists. 

I have tried calling customer service on XX/XX/30 and XXXX, but the phone hangs up automatically while on hold at the 90 minute mark ( or before ) without ever connecting me to anyone. There is no other contact info. 

Given the ongoing student loan climate, being able to access my account is critical and MOHELA is making it impossible to receive help.
Product: Money transfer, virtual currency, or money service

I have personally banked with Wells Fargo for 30+ years. I also have 3 businesses with more than $ 15million in annual transactions flowing through Wells. 

They have decided to endorse XXXX for web transfer of funds On XX/XX/2017, my wife identified some tickets she would like to a football game. I connected with the seller and asked them if we could see the tickets. They mentioned that they use XXXX from Wells Fargo which has fraud protection. 

Checked with Wells and yes ... they do approve XXXX. I was told that there is a delay before funds are actually transferred to ensure it is not fraud. We transferred and asked for the tracking number. The seller did not provide the tracking number so I reached out to Wells Fargo and XXXX immediately to block the transaction. There were no return calls or emails from XXXX and Wells customer service knew NOTHING about XXXX. They could not help me at all. Days went by and the Wells or XXXX did nothing. The cash was transferred after 48 hours of absolutely NO help or fraud actions from Wells Fargo or XXXX. 

Bottom line. Wells is doing NOTHING to protect long-time customers from this type of fraud. I reached all the way up to executive VPs at Wells and got absolutely nothing. Even after my 30+ years of loyalty as wells as moving my businesses to Wells . 

It is clear the direction I should take my personal and corporate banking. XXXX should be shut down.
Product: Credit card or prepaid card

Made a purchase at a local XXXX XXXX XXXX in XXXX of last year. HD was offering a promotion. XXXX percent interest for XXXX mos on all purchases made over {$190.00}. Must use HD consumer card. Minimum Monthly payments required. I also requested a covid 19 assistance program where 2 months of no payments ( interests free ) would be added. Balance must be paid in full at end of 3 mos or interest would be charged. So, my final payment for the promotional period went from XX/XX/2020 to XX/XX/2020 at XXXX interest. My payment date is the XXXX of each month. Always made the minimum payment of more. Never noticed any interest charged on my account until I received my XXXX statement via email. Balance should have been {$44.00}. Was {$46.00}. I was charged {$2.00} interest on an interest free promo. Citibank offers credit for the the XXXX XXXX store card. I was wrongly charged {$2.00} XXXX. I am paying my balance off. I do not want a credit to my card or account. I want to receive a check for {$2.00}, since I already paid this.
Product: Debt collection

I checked my credit report and saw a collection for an alleged debt from XXXX for {$300.00} with Trident Asset Management. I have never had an account with XXXX so I immediately disputed this erroneous debt. I have disputed it with all 3 credit bureaus and allegedly Trident verified this erroneous debt as being 100 % accurate which can not be possible. I then sent a direct dispute via certified mail to the address Trident provided on my credit report, which was eventually returned as non deliverable because they moved over 1 year ago and they have not alerted the credit bureaus, which is a violation of the FDCPA and the FCRA. Due to their negligence I have not only wasted my time ( 30 days ) awaiting results for something that was never done, and my money in the form of Certified Mail. Certified Mail ain't cheap I spent {$4.00} on that letter! These damages have not gone unnoticed by this consumer! I am planning on speaking with a consumer protection attorney on how to recoup my damages!
Product: Credit card

On XX/XX/year> I made a purchase online at XXXX XXXX in the amount of {$3700.00}. American Express advertises on their website that you will earn 3 % cash back on XXXX XXXX XXXX purchases, up to {$6000.00} per year, then 1 % above {$6000.00}. Once the transaction posted, only 1 % cash back was earned. Despite it meeting the terms of it being an online purchase, and not being specifically excluded it did not earn the advertised 3 % cash back. 

If you look at the following information published by American Express ( https : //www.americanexpress.com/us/rewards-info/retail.html ) you will see that XXXX XXXX XXXX purchases includes Furniture Stores , one example listed, with the disclaimer that it is not a complete list. It is also not on the excluded list. 

Having met all the requirements to earn the 3 % cash back, it has not been credited. This is a bait and switch and I would not have used this credit card to make that purchase had I known American Express would claim ignorance regarding categorizing this transaction as an online purchase, due to some obscure and opaque transaction classification. This results in the consumer having to take all the risk and American Express receiving the benefit of the card being used for the purchase, and then subsequently deny a benefit which it widely advertises. Clearly this is a bait and switch and false advertising. 

American Express knows exactly which transactions are an online purchase. One example is that a CVV code was used to authorize the transaction, and there was no swipe or tap, or chip inserted. Additionally, American Express is aware that it is a retail transaction as it is categorized as Merchandise & Supplies - Furnishing. American Express is willfully denying benefits it advertises by using arbitrary reasons to deny the benefit despite them clearly being aware that the transaction was an online XXXX retail purchase. 

This should be investigated and this unfair consumer practice should be stopped.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} XXXXis a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} the financial institution and the Consumer reporting agencies transunion XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to transunion XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Mortgage

Lakeview loan servicing company has made several errors to my escrow account. I have tried to resolve the issue over the phone numerous times, but to no avail. The issue is that my property insurance premium has changed from {$2600.00} to {$1400.00}. My shortage with Lakeview last year was {$2800.00} and now it only went down to {$2400.00}. My property insurance went down over {$1000.00}, so the new shortage amount does not make sense and they can not give me an itemized breakdown. The other concern is with the escrow cushion. Last year it was {$1100.00} and now with the lower insurance premium it went up to {$1700.00}. On CFPB website it states that the cushion must be no greater than 1/6 of the annual disbursement from escrow account, which is {$910.00}. My taxes are {$4200.00} and my insurance premium is {$1400.00}. When I told the customer service representative that information they told me to notify CFPB and the escrow department through email. The google reviews for Lakeview show that I am not the only person have this issue with this company. They are abusing their customers. Thank you for looking into this and please contact from more information, if needed.
Product: Checking or savings account

I was XXXX XXXX money into my account but it still overdrafted me.
Product: Debt collection

I continually get calls from Convergent. I get 4 to 5 calls a day. They come from a # XXXX. Each time I answer, they state who they are and that they are a debt collector. 
Then they tell me that I have a unpaid debt to : XXXX XXXX.. They state that I took the loan out in XXXX and I made my last payment on it in XXXX. They then state that i have a outstanding balance. 
I advised them that I had filed a Chapter XXXX in XXXX during my divorce and any loans were taken care of through my Chapter XXXX. 
I also advise them that if i did have any debt that old and from before XXXX, then this debt would have been included in the chapter XXXX and the debt is also past the statue of limitations for my state. 
I also advised them that I had a loan with XXXX XXXX around XXXX to XXXX and this loan is paid in full and I also have a lean release and clear title. I also told them I do not believe that XXXX XXXX would have given me another loan if I owed them money. 
I am then given the same story from them that they are going to put it on my credit report, They are going to take my home and also going to garnish my wages. 
I advised them to send me copies of the original paperwork and any and all documentation .They advised me that they do not have to do this .It is my responsibility to keep my own records. 
I have asked them to stop calling.I have used their website and also called them and the calls keep coming.
Product: Debt collection

My Identity ( social security number name and address ) was exposed in the 2017 Equifax Data Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles.