23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I live in XXXX, Florida and in early XXXX XXXX, we were hit by hurricane XXXX. The area in which I live was declared a FEMA disaster area. I was advised that I could call my mortgage company XXXX Equity Resources , Inc XXXX and that I could have 90 days worth of payments deferred. I called equity resources and they confirmed that this was the case and that I would not receive collection calls and that before my next payment was due on XXXX/XXXX/XXXX that I would get a call from someone to check in and see if I needed an extension. 

I then received a letter in the mail stating I was in a forbearance period and it sounded as though I was going to have to pay the last 3 months of payments when the forbearance period ended. I called equity resources and was advised I was previously given the wrong information and that my payments were not being deferred. I was advised a guy named XXXX was handling my case and would need to call me back because he was not in the office. He advised me that I was in forbearance and my payments had not been deferred and that I could complete the paperwork I had received via email to see if I qualified for deferment or I could wait to be contacted before the 90 day period was up to further discuss. 

At XXXX roughly on XXXX XXXX, XXXX, I received a collection call, the collector never read the mini-Miranda and was wanting to know what I could pay. I advised her that I had been advised my loan would be deferred and that I would make my XXXX/XXXX/XXXX payment as planned. The call was made to my cell phone via an auto dialer. 

On XXXX XXXX, XXXX, I received a call where the person was checking into see if my forbearance period needed to be extended, I also told her I was under the impression my payments were deferred and that I would be making a payment on XXXX/XXXX/XXXX. She said she would submit the request for deferral and that I would hear back from someone in mid XXXX. Later that day I received another collection call from an auto dialer to my cell phone. I advised them of the conversation earlier in the day and they apologized and we ended the call. 

I also received auto-dialer collection calls on XXXX and XXXX where I once again advised the people of the situation and asked them to stop calling. On XXXX, I spoke with XXXX XXXX XXXX supervisor ) who said my account was never put in the right status and that I would no longer receive calls. She said on the call that the notes indicated that I had told each collector this each time they called. 

On XXXX/XXXX/XXXX, I received another auto dialer call to my cell phone from the same number ( XXXX ). This time, like every other time, when I answered the phone rang back to someone, this time, no one responded and after a few seconds the call was disconnected without the caller saying anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my second dispute letter to Transunion expressing my concerns about inaccurate information being displayed on my credit report. My first dispute letter was sent on XX/XX/XXXX, to date I have not received a reply or acknowledgement that an investigation has begun or concluded. Below is a list of inaccurate information that I have repeatedly expressed concerns about.

1. Collection Account - The following account is not mine. Please remove it from my report. 
- XXXX - Dated XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX 2. Closed Account - The following account is not mine, nor is it reporting any accurate account numbers or information. Please remove it from my report. 

- XXXX XXXX - Open Date XX/XX/XXXX - Closed Date XX/XX/XXXX 3. Closed Account - The following account is not mine nor is it reporting any accurate account numbers or information. Please remove it from my report. 

- XXXX XXXX - Open Date - XX/XX/XXXX - Closed Date XX/XX/XXXX 4. The Following inquiry was not authorized. Please remove it from my report. 

- XXXX XXXXXXXX XXXX  Your assistance with helping to assist me with this matter wuld be greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instruction.
Product: Debt collection

I Spoke with american express, they wrote off my debt and told me the account was closed, 2 years later im getting 2-3 phone calls a day saying the account is in collections and that i owe them the money, I cant get anyone on the phone to speak to after i request i speak to a manager and when i try to explain what happened they hang up on me.
Product: Mortgage

My name is XXXX XXXX and I have owned my home in XXXX, Colorado since XX/XX/XXXX, but unfortunately I now find myself in danger of losing my home. I refinanced into a government backed FHA loan in XX/XX/XXXX that is currently being serviced by Carrington Mortgage. I have reason to believe that Carrington has intentionally denied me access to government backed homeowner assistance programs and is attempting to push me into foreclosure by scheduling sale dates without conducting any type of review of my current financial information. I believe that Carrington is in violation of HUD guidelines and is trying to cash in on the government insurance when this is clearly an avoidable foreclosure. I am not now, nor have I ever asked for a handout or anything for free. I have repeatedly attempted to resolve a past delinquency on this loan that was caused by a temporary loss of income that has now been remedied. Despite multiple attempts and repeated applications I find myself consistently faced with a foreclosure sale date. I believe that Carrington has not followed the rules or guidelines for servicing my FHA loan and that their actions have been unethical, wrong and illegal. 

This loan has had servicing issues for a few years now. My payment increased approximately {$500.00} even though my interest rate is fixed, and it was likely due to a forced-placed homeowners insurance policy being applied to the account when my homeowners insurance policy was still active ( I recently discovered that Carrington has settled a class-action lawsuit for this very issue ). Prior to Carrington servicing my loan, it was serviced by XXXX XXXX XXXX ; during the transition from XXXX XXXX XXXX over to Carrington a few years ago, I was not made aware of the transfer and continued to make my monthly mortgage payment to XXXX XXXX XXXX for approximately 10 months. To this day I am still not sure if that money was correctly applied to my account with Carrington. 

Prior to my current job working with an asphalt company, I worked for an oil company and had worked my way up to management and was making a good salary, However, when the company started laying my employees off, I voiced my concern about that and also other issues only to find myself also out of work. This is when I started to fall behind on my mortgage. I struggled and eventually depleted my savings to catch up until I could no longer do so. I reached out to Carrington and submitted an application for mortgage assistance. From that point on I was chasing documents and restarting applications in a continuous cycle. Eventually I had to hire an attorney who got us a trial modification which I accepted. I made the three trial payments as mandated, but of course Carrington revoked the modification claiming I hadnt returned the required signed paperwork to them which neither I nor my attorney had ever received. Since then Ive gotten nowhere with Carrington since they claim that I rejected their offer of assistance ( WHAT?? ), and now in XX/XX/XXXX they have been trying to foreclose by continually setting sale dates.
Product: Credit card or prepaid card

It is absurd that I have consistently made timely payments for this account and have never been overdue.
Product: Credit card or prepaid card

A fraudulent transaction showed up on my Chase credit card. It was reported to Chase immediately. Chase closed XXXX investigation cases and has reapplied the fraudulent charge onto my card. Chase is forcing me to pay for the fraudulent transaction. XX/XX/XXXX : I logged into my Chase account and noticed a fraudulent charge of {$1000.00} to XXXX in XXXX XXXX, XXXX. I immediately notified the Chase fraud department. The credit card was in my possession the entire time. The Chase representative cancelled my credit card and issued me a new one. The charge was removed while Chase investigates. XX/XX/XXXX : Chase closed the investigation and reapplied the fraudulent charge. XX/XX/XXXX : I called Chase to reopen the case. Chase instructed me to file a police report. Police report filed. XX/XX/XXXX : Chase closes the investigation. Chase claims the transaction is valid and that I am responsible for paying the fraudulent charge.
Product: Credit reporting

I saw on my report that they have an address for me of XXXX. I have never lived at or near that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Debt collection

I am filling a complaint against this company because I have written this company on three different occasions requesting a copy of the purchase agreement and or any other documents bearing my signature showing that I have legally binding contractual obligation to the alleged amount they claim that I owe. This company has not provided me with a purchase agreement or any other type of documentation bearing my signature. If this company can not validate this debt or produce documentation proving their claim, they are required Under Section 809 of the FDCPA to stop all collection and remove this account from my credit. I'm also a victim of identity theft and this company is aware of this information.
Product: Debt collection

UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account # XXXX requirements of the XXXX and FACTA and the privacy rules and rights of the HIPAA ( Texas ) Medical Privacy Act. Please be advised that they are subject to the penalty rules of the Medical Act statute.
Product: Mortgage

My grandparent have a mortgage with Select Protfolio Servicing Inc. They moved to Minnesota in XXXX of XXXX. My grandparents are elderly. They could n't keep up with the up keeping of the property and the property was falling apart. They both on a fix income and they ca n't afford to have in work done in the property. So I told them to move here because they did n't have the help with getting around. My grandparents both fell down the stairs plenty of times. I submitted paperwork to get a deed in lieu. And it 's been an ongoing thing. I submit paperwork then they asking for the same paperwork every chance they get. You call in and get someone different every time. And each person give you different message. I fax in the documentation and also email the documentation. Then they state that did n't fax the documentation until late. But I kept on calling the day I fax it over and they said it can take 24 hours. I still call the following day still nothing. Then call back the following day still nothing. Then they state to email it get to them right away. I did. They call me the weekend stating that something is missing. I asked what and they stated that I can get the document on the website and I went to look for the form they said my grandparents need. But they said the new up to date form have the option to surrender the home. But did n't find it. Because on the previous documentation I put on the form surrender the property. I 'm just tired of the back and forward between the company. Their representative is not knowledgeable and they seem like they do n't want to help. This is so frustrating. I think everything is done then I get a call saying I have to start back over. I think something need to be done to this company.
Product: Debt collection

This company is saying I owe is XXXX I sent them a letters request requesting that they validate the debt.
Product: Checking or savings account

I was called on XX/XX/XXXX in regard to suspicious activity on my account by a person claiming to be from Navy Federal. The phone number he used was XXXX. He sent me link to access my account when I confirmed with him that I did not pull out a loan amount of {$3500.00}. He told me that I needed to transfer that money to an account under the name of XXXX XXXX XXXX. I was suspicious of his actions, so I hung up and called Navy Federal. He called again, this time there was a {$2100.00} loan and he wanted me to send it to an account under a XXXX XXXX XXXXXXXX. 
I end up closing my accounts since they were compromised and turned in the paperwork to investigate the fraudulent actions being done on my account. When I visit my bank to follow up my claim, they give me a copy of a letter that was being mailed to me in response to my claim which stated that Navy Federal saw me as an active participant in the affair and I now owe the bank {$9100.00}.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. My name XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX this is the only correct information that should be on my report.
Product: Checking or savings account

On XX/XX/23, I tried to open an additional checking account with JP Morgan Chase as I was trying to set things up so when my fianc and I go into the branch, it would be easier since the accounts would be open. I got an email saying they were reviewing the account. The next day, I got a rejection email followed by several emails saying that many of my automatize expenses were no longer tied to my account. Also, I was locked out of accessing my accounts online. I called Chase and they hung on me so I went into the branch and the VP of the branch was able to assist and open everything. As I was leaving, I received an email stating my new checking account was created and I could deposit funds into it. I move XXXX dollars in it and did nothing else. On XX/XX/23, in the late morning, I tired to log on through the app and I got the same error message about how my account was locked. They claim it was due to " Unusual activity. '' I went into the branch immediately and was there for 3.5 hours. They told me they had no info other then JP Morgan Chase was closing my checking account and saving account but not my investment account with them. I asked why and they would not tell me. I told them I want my money and I had to fight to drain my accounts. They were trying to deny giving my money to me. I asked for my money from my investment account and they gave me a number to call. When I called the number, I was told They could not do anything. I ended up having to figure out how to pull my money from an outside bank since they refused to give me my money. They kept telling me to move it myself through the app which they restricted me from. So instead of spending the day after XXXX with family, I had to spend all afternoon dealing with this. This has costs me tons of stress, has costs me money, and costs me massive headaches for reasons they refuse to share with me. I was told I would receive the reason in the mail. The letter came and says there seems to be fraudulent activity and call a number to help keep my funds secure.. It is the number that would not tell me what's going on from the beginning and refused to give me my money when I asked for it. What a joke. Chase is the fraudulent activity in this situation and I want answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : ( XXXX XXXX XXXX XXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXX XXXX  ***** XXXX XXXX, XXXX Balance {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$3400.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt
Product: Debt collection

Lvnv funding is a debt collector for I believe a jewelry store that I have had no contact with for over 7 years and they still are damaging my credit. They keep renewing a old debt claim from XXXX
Product: Checking or savings account

I filed a dispute on XX/XX/2020 with PNC Bank for an unauthorized charge of {$4000.00}. I was told that I would receive a provisional credit within 10 days to my account or they would complete the investigation within 10 days. I submitted everything immediately to PNC and repeatedly called daily expressing that I had not received the credit and I submitted all documents requested and that I was in a desperate state since this caused my account to go into the negative. PNC refused to assist me during the investigation. Finally on XX/XX/2020 ( 90 days after I filed the dispute ) PNC completed their investigation and found in my favor refunding the money that was stolen from my account. However, due to the long investigation and no issue of the provisional credit I was evicted from my home, my car was repod, my utilities turned off, had to give my dog away due to not being able to afford to care for her, all my bills were late and all my credit cards were closed due to nonpayment. My son was not able to graduate high school due to not being able to complete online classes. My daughter had to go live with her dad due to having no food and no home and no funds to hire an attorney. I literally lost everything due to this. I have not been able to recover and have been homeless with no car since XX/XX/2020. PNC then held all my deposits ( including direct deposits ) and turned off my online banking access and demanded that I come into a branch and withdrawal all my funds and close my account because I started to complain to the local media. This bank has ruined my life causing me to fall into a XXXX that I can not even afford to seek treatment for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE AND 1 ACCOUNT THAT IS NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Debt collection

The company known as XXXX XXXX XXXX in XXXX XXXX has been harassing us daily with phone calls to pay them what is owed for a medical debt. After sending them a payment of {$100.00} a month for the last year ( I am fully aware that I was past due but was finally financially able to start making payments ) they have been calling me and my wife twice a day but sometimes waiting a day in between to call us but they do attempt both of our phone numbers usually with an hour of each other. Most of the time their allegations are that if we do n't start paying more than {$100.00} we will be force to take legal action and if we do n't get set up on their " minimum automatic withdrawal program '' " we will continue to call you until we get this set up '' even though we have paid them already for that month. As a consumer being " Bullied '' into an automatic withdrawal program when you are already paying someone does not sound to me a like a good or fair business practice. We finally agreed ( forced by legal letter that if we do n't start making the payment of automatic withdrawal of {$180.00} a month we are taking legal action ) to set up an automatic withdrawal. I have requested that since our verbal agreement of payment plan, that they provide me with documentation of our agreement, of which they refuse by stating " It 's not our policy to provide that information! ". This company has been one of the most vicious debt collecting agencies I have ever been forced to work with. They have on multiple occasions brought my wife to tears and have caused my XXXX XXXX to rise because of their unethical treatment of the consumer. I will admit I have had to raise my voice on multiple occasions with them to try and get the m to stop calling on my work provided cell phone which after finally threatening legal action due to the laws set in place by my state that they finally stopped calling my work cell phone. However they continued to call my personal phone during my working hours of which I have asked them to call after XXXX Central time, again no compliance from them. The amount of mental anguish this company has continued to thrust upon us has cause much undo stress on my family and our relationship. Once again I am asking for legal documentation of the agreement we have set up so that I will have evidence that they will take no further action. here are just some of the most recent dates they have called but have n't left a message : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.
Product: Debt collection

On XX/XX/2018, I received a phone call from a woman from a company called " Portfolio Recovery. '' The call lasted one minute and started at XXXX PST. I have no letter from this company and asked the woman to take me off their marketing list as well as how did they get my information ; they had the last four digits of my SSN. She did not answer the question and the conversation went silent. I said, " Hello, hello? '' to start the conversation again and then hung up the phone.