23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On  XXXX   XXXX ,  2017  I sent Executive Credit Management , Inc a certified letter regarding an account reporting negative to my credit report. The company stated that I owed them {$1200.00}. I do not know this company nor have I ever did business with this company so I sent a validation letter requesting what I owe, how the amounts were calculated, copies of papers that show that I agreed to pay what they claim I owe, and I also requested their license to prove that they can collect in my state. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  from Executive Credit Management , Inc replied to my letter with confirmation that she received a notice from   XXXX   credit bureau regarding my dispute and attached a statement balance  and two papers  from a lease from another company which indeed stated nothing about Executive Credit Management , Inc. Which in no way was validation to the debt I allegedly owe. On  XXXX   XXXX ,    2017  I requested for t he SECOND ti me debt validation with proof of a full lease and legal documents with my signature in contract with Executive Credit Management , inc company or remove the alleged debt from my credit report immediately. On  XXXX   XXXX ,  2017  I then receive another letter from  XXXX   XXXX   ( Manager )   at Executive C redit Management dated  XXXX   XXXX ,    2017  that she received my request for documentation validating a listing on my credit profile for a collection. She is now claiming that the account number is missing the last  XXXX  numbers and she needs more information to find my file, the date they reported this account to my credit report, and the amount of the collection they say I owe.  XXXX   XXXX  mailed me a letter on  XXXX   XXXX ,  2017  with the valid account number from my credit report and when I asked for validation again on  XXXX   XXXX ,  2017  now she is unable to locate my account and now she needs more information from me. I have requested validation twice from this company and I am dealing with the same person,  XXXX   XXXX   ( manager ).
Product: Credit card

Chase advertised XXXX free nights for the Marriott XXXX  card upon {$5000.00} of purchases within the first 3 months. I reviewed statement history and never received this benefit. Called and was told I should have. Received an email stating I did not qualify and balance transfers, money orders did not qualify. I only made purchases and no type of gambling related expenses during this time. I expect the benefit.
Product: Debt collection

This a very old debt that I dispute they keep sending me notices of collection and sue. XX/XX/year>XXXX  their saying I owe {$900.00} some.
Product: Checking or savings account

Wells Fargo in XXXX just finished a small facility, where there is limited parking and XXXX room to view contents of a safety deposit box. I needed to organize and sort through the contents of my box, and they told me that I am only allowed XXXX minutes. Are you kidding? We pay over {$120.00} a year for the safety deposit box and should be able to access whenever they are open and for as long as we need to. I am extremely frustrated with Wells Fargo and the lack of customer service. They need to be held accountable.
Product: Mortgage

Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. 
Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/XXXX, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. 

However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. 

On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. 

Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount. 
-- -- -- -- -- In addition, also on XX/XX/XXXX, I sent the following message to SLS, for which # 6 ( see below has not been addressed ). I paid the principal down below the 80 % and should have not been charged the PMI on XX/XX/XXXX. 
Best, XXXX -- -- -- -- RE : Loan # XXXX Dear SLS, I am writing in hopes to address several errors that were made in the letter I received from SLS on XX/XX/XXXX. 

1. It was indicated that " We have not received a signed authorization to perform a valuation on the property. '' The evaluation has already been completed. It was completed in XXXX of XXXX. 

2. In the document titled " Borrower-Initiated MI Termination Evaluation Results '', this information appears to inaccurate. As the records show on my account, the principal balance on XX/XX/XXXX was paid down to {$240000.00}. As of today ( XX/XX/XXXX ) the balance is even lower {$240000.00}. 

3. Using the figure provided in # 2 ( above ), and XXXX ( the property value at origination ) x 80 % = XXXX. Therefore, MI.R001 should be a " pass ''. 

4. Using the figures provided in # 2 ( above ), and XXXX ( the property purchase price ) x 80 % = XXXX. Therefore, MI.R032 should be a " pass ''. 

5. Because of # 3 and # 4 above, MI.R037 should be a " pass '' 6. Because of items # 1-5 above, I request that the PMI be cancelled and that I am compensated the {$100.00} of the PMI that was charged on the bill that I paid on XX/XX/XXXX. 

Thank you for your time and your consideration and I look forward to your response. 

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

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included 9 attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself!
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants is reporting on my credit report and attempting to collect a debt that I do not owe. Also I never received a notice for this either, I just saw it show up on my credit report. 
It says it is for XXXX but I do not owe XXXX. They came and picked up the Equipment on XX/XX/18, XXXX was the representative. I also made my last payment with him that day because he pulled it up and told me my final bill. His number is XXXX. XXXX has been paid and this debt is erroneously reporting.
Product: Mortgage

I have not received this year 's {$21000.00} principal reduction promised to me in Nationstar 's XX/XX/XXXX HAMP approval letter to me on page XXXX, " [ s ] o long as [ my ] modified loan remains in good standing. '' Obviously that was a huge inducement and caused me to go ahead with the loan modification. I have never missed or even been late with a payment since my approval but somehow I am now being denied the promised inducement. 
On XX/XX/XXXX, prior to sending the completed loan modification paperwork in, I spoke with an XXXX ( or XXXX ) and a XXXX from Nationstar 's help line on two separate phone calls to their customer service line, XXXX. I wanted to make doubly sure that the promises and inducements referred to in their XX/XX/XXXX Hamp approval letter like the one referred to above still applied even though they were not mentioned in the modification documents I signed. They both assured me that those promises and inducements still applied as a separate agreement " [ s ] o long as [ my ] modified loan remains in good standing. '' They also said that those promises and inducements were not included in the modification documents because I do not become entitled to them unless and until I have qualified for them by keeping the loan in good standing for the requisite period. Based on those conversations and those promises and inducements, I sent the loan modification documents in. 
In addition I sent Nationstar a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) giving you Notice of Error, Complaint, Request for Information and written answers to my questions about this on XX/XX/XXXX. I understand that under Section 6 of RESPA they are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. I did receive a cryptic response from them setting up some new condition and calculation that was never mentioned or included in their XX/XX/XXXX Hamp approval letter to me. They did not give me any details as to why I did not qualify, what this new calculation is, why I was never appraised of this prior to my decision to go ahead with the loan modification and finally, they did not even send me that information within the required 60 day period. Their response letter was dated XX/XX/XXXX, some 76+ days later.
Product: Mortgage

Hi, Several years ago when I first got the mortgage I signed up through the Wells Fargo site to have them automatically withdraw my payments in weekly amounts throughout the month before the monthly payment was due. It automatically calculated and adjusted when escrow amounts changed and my mortgage was always paid ahead of time. 

I recently switched jobs so I deactivated that feature in XX/XX/XXXX and sent checks in XXXX instead. I logged in on XX/XX/XXXX to make sure that they'd received them and saw that while they had received them, my payment was somehow late. It turns out they'd put it all towards principle. I called and they said they would reverse this. I also then noticed that they'd been drawing extra weekly payments from my account ( roughly {$400.00} each time ) every few months and applying them just toward principle. I hadn't noticed before since I'd only reviewed paper statements and thought that was just going to the principle part of my monthly payment. The rep refused to reapply the funds correctly citing that they'd sent the money to investors so it was untouchable. 

So now I've paid well over the amount I should be paying in a year and yet I am somehow apparently 9 days late on my XXXX payment. They refused to move any of these extra draws into my payment and said I needed to give them several hundred dollars more for XXXX, which I do not have sitting around. I was told that a higher supervisor would call me on XX/XX/XXXX and that did not happen. 

On XX/XX/XXXX I logged into my account to find that they had reversed my XXXX mortgage payment in addition to the checks that had been applied toward principle. I don't have a clue where that money is at this point and now their site is saying that I've missed my XXXX payment and it's 38 days late.
Product: Prepaid card

Hello, We received a gift card for a project we collaborated with XXXX XXXX XXXX XXXX. We have never been able to use it. We've tried at a restaurant and were told it was unusable. We didn't understand why it was declined. On XX/XX/24 after having it stored in a gift box, I decided to call the number on the back XXXX. They asked my name, the number on the card, and they said it was not registered under that name and wanted me to submit my Government ID on their website and a copy of the gift card. If no government ID submit a phone bill with all info on it. I tried and their website declined states to call the phone number, then the rep told me to fax it to them. I don't own a fax machine!! Unbelievable!! This is a gift card I have never had so much difficulty using a gift card. You just take a gift card with you and go shopping or dining. I would like to report them. I found your information on XXXX and see that there are many complaints about this " Prepaid Gift Balance '' US Bank card. I also reported them to XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Collections accounts XXXX {$3500.00} XXXX XXXX  XXXX XXXX XXXX {$1900.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$710.00} Equifax collections accounts XXXX XXXX  {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX  {$780.00} XXXX {$710.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681section 602 A states I have the right to privacy 15 USC 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 then records of conviction of crimes antedates the report by more ten years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 XXXX XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , BMO Harris Bank N.A XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}
Product: Checking or savings account

Money was allowed to be taking out of my account for a service that was never provided. And when I showed communication of supposedly being refunded I was told I agreed to it so the charge was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

This line of credit/home equity loan originated in  XXXX  of    1968 f or {$40000.00}. There were never any increases in the amount of the loan. However, as of date they are telling me that I owe a balance of more than {$34000.00}. The company HSBC/Beneficial/HFC has refused to refinance the loan, explain why the balance is so high so many years later and they have made it seemingly impossible to refinance with another lending institution as the loan has been reported as released at the clerks office here in  my county.
Product: Money transfer, virtual currency, or money service

Unauthorized money transfer with out warning, this happend several time in increments of $ XXXX {$58.00} dollars and after a while it started adding up, I called Zelle representatives and was told that I sent the money so there was nothing I could really do. so I just stoped using the app
Product: Student loan

Im trying to determine the date that my request was submitted to TREASURY and the amount as well. I call Nelnet almost weekly, and they cant give me a correct date and amount. Sometimes I get XX/XX/XXXX, XX/XX/XXXX, XXXX and they never give me the amount. When I first called and made the request, the customer service did not give any information of what was actually submitted. 

My initial call was on XX/XX/XXXX, and within that time I have convinced a few of my friends to request as well. They have requested mid-XXXX and early XXXX. They have already had their balance reinstated and some have gotten their checks already. Im wondering if my request has not been fully submitted or if its been sitting on somewhere. My first call has been ten weeks already.

I want to know the date it was submitted to Treasury or whoever is in charge of the reinstatement, and I want to know the amount the original customer service person requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I received an alert from Experian that someone had made an inquiry on my credit report. I have not given consent to anyone to pull my credit report. Upon further research, I see that the report was pulled my XXXX XXXX XXXX at iSERVE Residential Lending. 

Unfortunately, he is my step son and I feel my privacy was violated. He used his position as a mortgage lender to inappropriately pull my report - probably on behalf of my ex-husband. 

I have left messages for iSERVE Residential Lending in XXXX, CT, but I have received no response. 

Thank you for your attention to this matter.
Product: Credit reporting

TransUnion credit bureau is adding someone else 's credit inquiries which are not mine on to my account, contacted Transunion regarding the same they have suggested me to contact the creditors so i did, but none of those creditors are able to find any opened account or credit inquiry done on my Name or Social security number or Address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XX/XX/XXXX {$420.00} placed in collection from XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$560.00} placed for collection from XXXX XXXX XXXX. XX/XX/XXXX {$770.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX {$1200.00} placed for collection from XXXX XXXX. XX/XX/XXXX {$1500.00} placed for collection from 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 a account without my written instructions.
Product: Debt collection

I have mailed letters to all XXXX credit bureaus & a direct letter to GLA Collections asking for documentation to validate this supposed medical debt. I only receive bureau mail that states it has been investigated and verified? Nothing from GLA?
Product: Checking or savings account

Capital 1says there's a problem with there server error. I hadn't received my check since wendsday and it's XXXX  several transactions have failed cause financial losses
Product: Credit card or prepaid card

I was in XXXX, XXXX, XX/XX/2020. I made a purchase at a pharmacy and the merchant charged me in USD instead of MXN. the amount charged on my Capital One Credit card was {$2100.00}. The merchant apologized, and I wrote on the receipt WRONG AMOUNT. In addition, I kept the primary original receipt and the merchant scanned the receipt with this statement written on the receipt. I have this receipt in the attachment. I explained and provided this information to Capital One immediately. The dispute was made immediately because this is amount is 50 % of my credit limit. It is covid-19 and I am experiencing hardship. Capital One originally understood with the evidence I provided, then they rebilled me the amount XX/XX/2020. I would like to dispute this USD charge and when it should be MXN and the dispute decision. The case number is Case Number XXXX. It was initially resolved then I was rebilled.
Product: Debt collection

I have been receiving debt collection notices through email for a debt I have no knowledge of. They said I owe for a balance left when I moved off of apartment and I have never lived there. I have asked for proof of lease and copy of identification but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.