23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.
Product: Mortgage

I just received a letter from the crooks " Flagstar bank '' claiming my homeowner insurance expired & they are immediately charging me for their own product. 
My insurance has not expired, it continues in effect - so not providing me a waiting period for their mistake is theft. 
My loan was sold to them about a year ago & I had other problems with their thievery. I had requested they sell my loan to another company but no response
Product: Debt collection

According to 15 USC 1681 Congressional findings and statement of purpose ( a ) ( 1 ), it is evident that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports can directly impair the efficiency of the banking system, while unfair credit reporting methods erode public confidence, which is fundamental to the continued functioning of the banking system. In light of this, I believe it is crucial to bring to your attention the creditor 's actions that have compromised the integrity of the credit reporting system. 

Additionally, under 15 USC 1666b Timing of payments, ( a ), creditors are obligated to adhere to specific timelines when it comes to credit card account payments. They may not treat a payment as late for any purpose unless they have established reasonable procedures to ensure that consumers receive periodic statements, including the information required by section 1637 ( b ) of the FCRA, no later than 21 days before the payment due date. If the creditor in question has failed to uphold these obligations, it represents a violation of my rights and the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to address the creditor 's unfair practices. I believe that this investigation is necessary to protect my rights and the rights of other consumers who may have been similarly affected by these practices.
Product: Debt collection

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.
Product: Debt collection

I previously learned of this debt after obtaining my credit report. I have had medical assistance for the last 10 years or so. I also have never visited  XXXX   XXXX  which is listed as the orginal creditor regarding this debt. I sent this company a letter asking them to provide me with the documenation they have that makes them believe this debt belongs to me. Th e 1st letter was ignored so I was advised to sent a 2nd letter certified ( please see attachment ) that letter un fortunately was ignored as well.
Product: Credit reporting or other personal consumer reports

I experienced a XXXX XXXX and started noticing accounts being opened. I had forced XXXX XXXX  accounts, my tax relief money was being stolen from my XXXX  XXXX XXXX account and I had multiple XXXX accounts where people were using their food cards to purchase groceries in my XXXX account when I went into XXXX XXXX, they said I no longer exist in their internal system, after reviewing my information that I brought in hand. They were not informed of anything, so somehow I disappeared out of their system. I also have had a XXXX  XXXX XXXX account that account also no longer exists in their internal system. I am nowhere to be found not in any address that I live at that account, they were not informed by law or their banking institution either. I also no longer have an XXXX account that completely disappeared. These are all accounts in my name XXXX XXXX XXXX. I have reported to multiple agencies since my XXXX  of the identity and data breach that occurred into XXXX XXXX in XXXX. XXXX XXXX sent me papers stating that it really happened, I have reported to multiple government agencies, including the IRS. I have my XXXX tax season. I am still waiting on from the XXXX XXXX XXXX in XXXX California. The computer showed my taxes were finalized and dispersed. I had 10 sit downs with my tax lady, who had me XXXX  telling police my taxes were finalized and there was no need for me to be there. However? I dont understand how I am finally getting my taxes for XXXX and XXXX from the state controllers office and still no reprieve with my identity and theft issue. As well as no follow up with any government offices Ive reported to.
Product: Checking or savings account

Hello, I have made several attempts, that have been documented, about me cancelling and requesting a refund. The company in question, ( TOMOBOOST ) has continued withdrawing unauthorized charges after being advised to stop withdraws and confirm cancellations have been properly processed. I am including an email chain about the events and their timeline. I have also requested that they refund Three unauthorized charges of {$49.00}. Additionally, the company does not follow up on their emails so it's difficult to get a hold of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX  is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, Transunion, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two  different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : {$7500.00} XX/XX/XXXX Conditions : XXXX : Open XXXX : Closed Experian : Closed Affirm Inc Balance : {$550.00} XXXX Conditions Closed XXXX Balance {$2600.00} XXXX XXXX are listed XX/XX/XXXX & XX/XX/XXXX Condition Closed XXXX Remarks : Closed XXXX paid account/zero balance Rental agreement XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Remarks : Closed or paid XXXX balance Utility
Product: Mortgage

FIFTH THIRD BANK HAS TELEPHONED ME TO INFORM ME THEY HAVE BEGUN FORECLOSURE PROCEEDINGS. I HAVE NEVER MISSED A PYMT OR BEEN LATE. THEY CLAIM I AM IN DEFAULT BECAUSE I ADDED MY MOTHER TO THE DEED OF MY HOUSE AND ALSO BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN. 
THEY ARE DOING THIS BECAUSE I CALLED THEM AND INFORMED THEM THAT I BELIEVE THERE IS A MISTAKE SOMEWHERE. I INFORMED BANK THAT MY CURRENT STMT SHOWS I STILL OWE $ XXXX AND ITS SUPPOSED TO BE PAID OFF IN XXXX XXXX. THEY STATED I HAVE A TERM LOAN WITH A BALLOON PAYMENT BUT THEY LEFT OFF THE AMOUNT. THAT IS COMPLETELY NOT TRUE. I WAS SUPPOSE TO GET AN XXXX YEAR LOAN WITH FIXED RATE. NO WHERE ON MY LOAN DOCUMENTS DOES IT SAY I HAVE A BALLOON. IT STATES I HAVE A PREPAYMENT PENALTY ... THAT WAS CLEAR. MY PAYMENT TERMS ARE : FIXED RATE 8.44 %, DUE XXXX/XXXX/XXXX. THIS IS STATED ON ALL MY DOCUMENTS ... THE PYMT AMOUNT, INTEREST, THE NUMBER F MONTHS XXXX ... BUT NO WHERE DO I OWE ADDITIONAL MONIES. BANK CLAIMS I OWE THEM SOME UNDISCLOSED AMOUNT PROBABLY XXXX XXXX. SO THEY WANT ME TO REFINANCE IMMEDIATELY AND CHARGE ME A PREPENALTY FEE BECAUSE THEY WANT TO FORECLOSE. THE MADE A TERRIBLE MISTAKE SOMEWHERE AND WHEN I BROUGHT IT TO THEIR ATTENTION THEY WANT ME TO GET THEM MONEY I DONT HAVE OR THEY TAK E MY RESIDENCE. THIS IS UNFAIR, DECEPTIVE AND UNETHICAL. BALLOON PAYMENTS ARE A MATERIAL ITEM THAT SHOULD HAVE BEEN DISCLOSED TO ME. IT IS NOWHERE. IT WASNT MEANT TO BE A BALLOON THAT WHY THEY CANT FIND IT, BUT THEY WANT XXXX TODAY. IN FACT, THE MOST RECENT PHONE CALL THEY INFORMED ME THAT UNLESS I TELL THEM WHERE THE MONEY IS COMING FROM, THEY WILL PROCEED WITH FORECLOSURE AND APPRAISALS, ETC. OF COURSE, FEW DAYS LATER, AN APPRAISAL CAME IN. FIFTH THIRD BANK IS TAKING NO RESPONSIBIITY AND IN FACT IS TRIYING TO RUN ME OUT OF MY RESIDENCE BY SENDING ME LETTERS FROM LAWYERS AND CALLING ME WITH THREATS. I HAVE CONTACTED SEVERAL OF THE BRANCHES AND THEY ALL SEEM TO HAVE THEIR HANDS TIED. I GUESS THE BANKER IM SPEAKING WITH IS LIKE A XXXX. NO ONE CAN GET PAST HER. I HAVE BEEN TOLD THAT THEY WILL STOP ACCEPTING MY PAYMENTS. NOW THAT WORRIES ME ... BECAUSE MY PAYMENT MADE ON XXXX/XXXX/XXXX STILL HASNT CLEARED ... ITS XXXX. AND WHEN I CALLED FIFTH THIRD BANK THEY DONT KNOW WHY .... SO I GUESS THIS IS THE BEGINNING OF THE FORECLOSURE. THIS DOESNT SEEM POSSIBLE, AS I NEVER MISSED A PAYMENT ... THIS IS A COVER UP.. LASTLY, WHEN I WENT TO ANOTHER FIFTH THIRD BANK ... THEY TOLD ME I WASNT IN DEFAULT JUST ADDING MY MOTHER TO THE DEED, IT IS BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN? ARE THEY KIDDING? THEY ACCEPTED MY PAYMENTS NOW FOR OVER XXXX YEARS SINCE MY BANKRUPTCY. I HAVE BEEN TRAUMATIZED BY FIFTH THIRD BANK AND THE THREATS OF FORECLOSRE. I DONT WANT TO LOSE MY HOME.
Product: Bank account or service

Wells Fargo has charged overdraft fees on debits against the account when there were still pending transactions on the account, meaning there were still technically funds available. The excuse I have been given is that the pending transactions are considered ( whether they actually post to the account or not ). I transferred funds into the account to ensure a XXXX balance prior to the pending transactions posting to the account. I was still charged overdraft fees. Wells Fargo already has past issues with the way they structure their processing for debits ( XXXX v. Wells Fargo Bank ; Case No. XXXX WHA ( XXXX. XXXX. ) ). I have been a Wells Fargo bank customer since XX/XX/2009 and have never had this issue come up prior to the beginning of this year. This is the XXXX occurrence of this behavior that has happened to me in the last 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPLAINT IS WITH EQUIFAX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
Product: Debt collection

XXXX XXXX XXXX XXXX Ive never been seen at this place before. I never received any information nor phone calls that I owed a debt. I called to see what it was for because it got placed in collections and added to my credit report. I talked to someone that stated they werent sure but it happened in 2015. With no attempts to let me know this was even active. The credit agency is Midwest Recovery Systems who Ive never heard of. For {$340.00}.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TrueAccord for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

I sent TrueAccord a written notice stating that I refuse to pay the alleged debt. Despite my clear request, TrueAccord has continued to contact me, which is a direct violation of 15 U.S.C. 1692c ( c ). This section of the FDCPA explicitly prohibits debt collectors from communicating with a consumer after receiving a written request to cease communication, except under specific circumstances outlined in the law.

TrueAccord 's continued contact with me after my refusal letter has caused undue stress and has been a blatant disregard of my rights under the FDCPA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TrueAccord complies with the FDCPA and ceases all further communication with me regarding this debt. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX PRESTIGE FINANCIAL ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I originally submitted a dispute under the FCRA 605C for XXXX XXXX  survivors protection. On XX/XX/XXXX, I was told they could not validate my proof of victim determination. On XX/XX/XXXX, I called Equifax and was sent a link to upload the new document, I uploaded while on the phone with the rep a self determination letter signed by XXXX XXXX XXXX XXXX  who is part of a XXXX. She verified it was received and I also received a confirmation email. On XX/XX/XXXX, I called and tried to verify the status as I was told Id hear something in 48 hours. The gentleman told me they only pass messages and that no one on that dept was responding so he didnt have an update and tried to send me link again. I told him I already did that last week and can he not see that in the notes. He was not helpful and vague. Then said he seen notes that last rep escalated, yes, on the XXXX. This morning, XX/XX/XXXX, I got an email that the denied my request due to not responding to their request for victim determination letter. I called this morning getting the same rude gentleman who again says there was no one I could talk to and I had to now MAIL in a NEW request. I am very upset and feel like Im being revictimized. This is very upsetting and frustrating. As if going to counseling weekly to try to deal with this trauma isnt enough but to be told Im a liar or Im not providing info when i did TWICE. This is traumatic again. And unfair. We shouldnt have to go through this. You create a law to protect us this Deny is the right to exercise it. Im not ok.
Product: Checking or savings account

Citizen 's Bank sent me a check for {$3.00} addressed to XXXX, a credit card I have but had paid in full in XXXX. I had no idea why a check addressed to them was sent to me, a bill that had already been paid the month before so I deposited it back into my account, and the bank subtracted {$3.00} from my account. They the charged me {$30.00} for overdrawing my account in XXXX. No matter how hard I tried, they tried to tell me that the withdrawal for money I had deposited was warranted. Had I just thrown it in the trash or sent it to XXXX XXXX, XXXX XXXX would have refunded me the {$3.00}. I am confused as to why a bank would mail me a check meant for a credit card company. The money I did not owe them then turn around and deduct the money from my account. I guess I should have thrown the check in the trash! 

I have had nothing but trouble with this bank from being thrown out when I wanted customer service ( I had my XXXX, deaf registered therapy dog with me ), to a frozen ATM card they could never explain after waiting 45 minutes for customer service on the phone, an ATM card that never was replaced when promised, a promised {$200.00} rebate for putting {$200.00} a month in my savings to account 3 months in a row when their customer service said I was good to go for the rebate, etc. I am XXXX XXXX XXXX and this is no way to treat a senior on a fixed income. 
XXXX  has so many complaints they have one star for their customer service.
Product: Debt collection

I've mailed 3 letters to the company requesting that the debt be validated and/or removed from my credit report ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). The debt has not been validated by the company, or removed.
Product: Credit card

On XX/XX/2023 I filed a claim with Direct Express due to charges I did not do on my account. There were XXXX charges from XX/XX/23-XX/XX/23 for a total of {$510.00}. I closed my card and had them send me a new one. They sent me paperwork to fill out the claim which I did not receive for 9 days. I filled it out and mailed it back. While they were doing their investigation I was supposed to be reimbursed the {$510.00} but they did not. When I called them about it they said it was because I did not have my claim filed within 10 days, I told them that was impossible since I didnt receive their paperwork for 9 days. They mailed me a decision that they denied my claim. I called 3 times and emailed them on XX/XX/23 for a copy of their investigation. They finally sent it. On XX/XX/23 I filed a police report after doing some research that recommended I file one. On XX/XX/23 I emailed them the information regarding the police report I filed as well as a write up regarding bogus XXXX charges that was a scam going around hitting peoples credit cards. I have not heard anything back. Please let me know if you need anything else. 

Thank you for your time
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We have been struggling during COVID 19. We took our mortgage company 's forbearance help. My husband was told by one of their agents that after the forbearance that our balance would be put on the end of our loan. That was not the case. 
We extended our forbearance to avoid foreclosure and we started paying our monthly payments during the extended time. I was told by an agent that we could do a streamline while in the extended forbearance. I can not find a loan servicer that can do a streamline for us due to the inaccuracies on our mortgage statement and the fact that we are in a forbearance. On my payment history, it shows we have been paying our mortgage since XXXX. On my mortgage statement it shows that we haven't paid since XXXX and delinquent which loan servicers go off of the mortgage statement. 
During the extension, I applied for mortgage assistance and was denied all of the programs except a short sale. We owe a little over {$7000.00} and can not come up with that money all at once. We are going to lose our home to these scammers.
Product: Credit reporting or other personal consumer reports

I was very surprised and disappointed to discover  unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!
Product: Credit reporting or other personal consumer reports

My personal information was compromised in the Equifax data breach, and Ive identified accounts I dont recognize, including some under my maiden name ( XXXX ). These accounts, such as XXXX, XXXX XXXX XXXX, XXXX, and others, appear inaccurate. I request a full investigation of my credit report, the removal of all unverified accounts, and confirmation of corrections. The breach has caused improper reporting, negatively affecting my credit, and I expect a prompt resolution.
Product: Debt collection

A collection was added to my file between XXXX XXXX and XXXX XXXX, 2024 from Sequium Asset Solutions, the original creditor was XXXX. I do not have an account with XXXX.