23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I cancelled my subscription with XXXX. I fulfilled my contract with them. I return all of my equipment as per there request. I was told by an XXXX feller that I owed them XXXX since I cancelled XXXX day into the following month which was not a problem. The months that followed they sent letters to me. One of them said I owed over XXXX XXXX XX/XX/XXXXanother one said I owed over XXXX XXXXXX/XX/XXXX and another said over XXXX XXXX. 
No one at XXXX knows what's going on. If they would have seen that I cancelled one day into the next month and looked at the note that the XXXX feller wrote there would be no problem. 
A company named XX/XX/XXXXXXXX XXXX XXXX # XXXX put this report in. 
There address is XXXXXX/XX/XXXX, XXXX XXXX, XXXXXX/XX/XXXX XXXX Phone XXXX XXXX Says I owe XXXX
Product: Credit card

I received an indigo credit card in the mail that I did not apply for. It had a credit limit of {$700.00}. I immediately called the company Concora credit to inform them that I had not applied for an indigo card. They tried to extract my social security number from me but I did not give it to them. The card was never activated and I told them to close the account. The said that there was a balance on the card of the annual fee, which I told them I would not pay.
Product: Credit card

In Accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy, 15 USC 1681 section 6 o 4 A section 2 also states a consumer without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 


XX/XX/year> and XX/XX/year> the company is SelfLender
Product: Debt collection

This is a follow-up to Complaint ID XXXX In the request noted above, the collections company XXXX XXXX removed the dept from my credit history after realizing XXXX sent that in error. 

On XXXX XXXX sent the same debt that was initially removed by XXXX to a new creditor called Southwest Credit Systems. We are again disputing this collections attempt as this collection is not accurate. XXXX has no re-attempted to get this same {$110.00} charge sent to collections which has caused by Credit score to drop from the 800 's to the 690 's which is unacceptable. If this happens again we will need to take both the credits or comcast to court. Please see the information below copied from the initial complaint ID : I ended my account with XXXX in XXXX of 2020 and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX of 2020, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector XXXX XXXX XXXX said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with XXXX XXXX since it had been reported already on my credit. I contacted XXXX XXXX, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a misbilled balance of around {$110.00}.
Product: Checking or savings account

My checks deposited were held for more than 10days I had trouble with refunds and returned payments I was overcharged for interest rates overall I had very bad service with wells Fargo.
Product: Credit reporting or other personal consumer reports

Equifax closed my prior dispute without addressing and correcting the issue. Equifax continues to illegally report a XXXX authorized user account on my credit file after several disputes. Recently, the dispute was escalated and on XX/XX/XXXX, they choose to continue reporting. Authorized users are not legal owners of accounts and should be removed at the consumers request. Equifax continues to illegally report. I've even contacted XXXX to have them discontinue any reporting. XXXX and XXXX have ceased reporting, while Equifax continues. 

I was also told on the phone that Equifax has an internal policy of leaving these particular XXXX authorized user accounts on file to continue to report. This is illegal and I will sue if Equifax does not remove the account from my credit file.
Product: Credit card or prepaid card

Prior to annual Southwest Chase Card renewal ( XXXX ) I called Chase Bank to see if waiving the annual fee was an option. I was told by Chase representative that they would rebate the {$69.00} fee within 3 billing cycles. After waiting 3 months I realized that Chase had not lived up to their promise. When I called Chase ... they claimed there was no " memo '' in my account that documented this promise and they would not rebate the card fee. I argued that I could have simply canceled the card since the Southwest benefits are not really useful at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019 I made my XXXX mortgage payment via online banking to my Loan Care mortgage. This money left my checking account on XX/XX/XXXX but the payment was never posted to my mortgage with Loan Care. Several weeks later I received a notice from Loan Care that my payment was past due and I paid it again immediately. 

I then requested that the missing payment be applied as well. I initially started this process with my bank who sent the payment to Loan Care electronically. They called, mailed, and faxed the payment confirmation information multiple times each to Loan Care but nothing happened. In XXXX I started working with Loan Care myself directly. I have called and emailed more than 20 times with proof of the electronic payment since that time. 

Every time I have called customer support ( most recently on XX/XX/XXXX ) I have been told by the support specialist that my proof of payment was received and that they will be posting the missing payment to my mortgage. And that I should see the payment posted the following day. I have been told that since early XXXX and I still have not seen the missing payment posted to my account. 

I have submitted everything needed to prove this payment was made but not posted to my account. I have submitted my bank statement showing the money left my account. I have submitted my mortgage statements showing the payment was never posted. And I have submitted Proof of Electronic Payment with a Case ID, credit trace #, batch # and file trace # showing the money was received by Loan Care. 

Can you please help me get Loan Care to post this payment to my account or refund me this money?
Product: Debt collection

O n  XX/XX/XXXX , I  sent a certified written dispute to  Procollect disputing the debt they claimed I owed ( see attached ). I also requested documentation that proves that I owe Procollect as well as a breakdown  of fees for such de bt. Procollect DID NOT provide me with proper documentation. O n   XX/XX/XXXX , they  sent me a standard dunning lette r (  see attached ) with a printout of some information on a piece of paper with a name on it that is similar to mine that supposedly shows  XXXX  transactions made back in   XX/XX/XXXX   ( see attached ). First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, my  XXXX  cousins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services rendered nor did it show a breakdown of fees or how they came to the amount they say I owe. This also was n't a contractual agreement bearing my signature. Procollect is playing games and trying to get me to pay an unverified debt they have no proof that it is mine.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from Procollect via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or please provide me with the proper documentation, so this debt can be resolved.     Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of the  ARRA, SEC. 13401 . Also, provide copies of any agreement that bears my sig nature wherein I have agreed to pay the creditor and as this is a medical account a copy of any HIP AA authorization.     In the event of noncompliance, I reserve the right to file charges in a small claims action against your  company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA.
Product: Debt collection

This company has been calling me at least 3 times a day and when I ignore the call they keep calling for the past two months. They are now calling all my family members and telling them they have a warrant to serve me and they need them to contact me. They are calling them multiple times a day and ruining my name. They give them a phone ( XXXX ) XXXX Claim Number and scare them into calling me. The ladies name that keeps calling me is XXXX and she says she works for a firm called Global. I have never heard from them nor do I owe them money. They have called my sick mother and made her believe I was in big trouble and I would be arrested if I did not comply.
Product: Mortgage

Newrez did not pay my town property taxes from my escrow account due on XXXX. There is now a tax lien on my home due to their negligence. There is also hundreds of dollars in late fees on top of my original bill from the town for non payment that I should not be responsible for since Newrez is supposed to pay bills from my escrow on time. I called Newrez on Monday to find out what happened and was told it would be paid within 3 business days. Today is Friday and they have not made the payment. I have never made a late payment on anything in my life and now I have to deal with this.
Product: Debt collection

The amount that was originally owed is growing interest. It is growing interest continuously making it impossible for me to ever be able to realistically pay the account off. I have attempted to resolve this matter with the debt collector it is my understanding that once placed for charge off the interest is to cease that has not been my experience with IQ International.
Product: Credit card or prepaid card

My XXXX are not available to me. I try several times to get access to them. I called XXXX. I called chase. After months of trying I try to obtain my access through another complaint XXXX. 
Chase once again lied and refuse to giving me my XXXX XXXX XXXX  There response : DESCRIPTION OF NON-MONETARY RELIEF We confirmed the points were transferred and provided the account number. We also confirmed XXXX sent an email for a password reset. 

Allegedly, XXXX sent me an email to get access to my account and with that having access to them. XXXX, no email. I called them again they cant see the XXXX XXXX number. Email : XXXX the one thats is link to my Chase account is not available to enter at XXXX  or in the XXXX. Once again, I was lied to. XXXX XXXX do anything.I have evidence of everything and more. This is my last time doing this. Next time we are going to XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

USAA opened a fraudulent checking account under my name. I recieved a letter from their representative XXXX XXXX who authorized the identity theft fraud. 

Now Ihave a bad report from my consumer services report that they never fixed.
Product: Credit card

My phone number, email address was use to open account in my name using this information .I ask that this account be changed from Disputed to removed from my credit file. I have sent all the docements showing this account was fraud.
Product: Credit card or prepaid card

In XX/XX/XXXX between XXXX XXXX there were multiple charges on my card from food companies and store companies that I never used or made purchases from. 

Once I noticed the card was missing I called and canceled it and also made a police report. The company Wisely says I made these purchases WHICH I DID NOT. It was over {$900.00} spent out of my account during this time for FOOD!! and 90 % of the food is out of state purchases. None of these company 's used my pin number for the purchases seems like online purchases. I dont know, just a guess on how this happened. I do not have accounts or associations with these company 's in anyway ever. Also its hundreds of dollars spent per day on fast food. I'm a YOUNG homeowner would never spend my money recklessly this way. 

These are the charges im not getting my money refunded for : XX/XX/20 XXXX {$25.00} 1XX/XX/20 XXXX XXXX {$31.00} XX/XX/20 PIZZA {$32.00} XX/XX/20 PIZZA {$35.00} XX/XX/20 XXXX  XXXX  XXXX {$53.00} XX/XX/20 XXXX  XXXX  XXXX  {$53.00} XX/XX/XXXX XXXX  XXXX  XXXX {$35.00} XX/XX/XXXX SP* XXXX XXXX {$84.00} XX/XX/XXXX XXXX  XXXX  {$140.00} XX/XX/XXXX XXXX  {$120.00} XX/XX/XXXX XXXX* XXXX  {$98.00} XX/XX/XXXX PX XXXX  XXXX {$37.00} XX/XX/XXXX XXXX  {$20.00} XX/XX/XXXX XXXX  {$25.00} XX/XX/XXXX XXXX  {$36.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$61.00} XX/XX/XXXX XXXX XXXX  XXXX  NY {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE EXTENDED FRAUD ALERT FROM MY CREDIT PROFILE XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage at Renasant Bank in XXXX, MS was scheduled to refinanced when my balance was approximately {$16000.00}. I filled out the online application and supplied all needed information to my bank. I also submitted a bid for home repairs in the mortgage package along with the balance of the note. During this time, Renasant dragged their feet getting this done and passed me around to 3 different loan officers, taking over 3 months to complete. The loan balance was refinanced but i was turned down the additional funds for repairs due to my credit score. During this three months time, I have learned that Renasant reported to all credit bureaus that I was 30 and 60 days late with a payment on this loan that was in the process of being renewed and was untrue. This false reporting hit my credit score for over 100 points. And I believe that Renasants own false reporting to credit bureaus was used to make the decision to deny my additional funding. I now suffer consequences of the lowered credit scores including having lines of credit withdrawn and loan applications denied much less the refusal for Renasant to lend the additional funds for home repairs
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but it wasnt. The inquiries stayed on my report. I'm requesting that the documents Ive sent be reviewed thoroughly so this issue can be resolved once and for all, and I wont have to stress over it again.
Product: Mortgage

Hi, My loan is serviced by Select Portfolio Service I have asked them who is the banker on this loan they say they don't know they have to send me something in writing I have requested this information over 20 or more times never get an answer I just request it again today XXXX/XXXX/2020 and again they said they have to mail it but that it never comes in the mail. 
My mortgage statement comes in the mail so I know they have the correct address my interest rate is fixed at XXXX % from a modification I was asking them for help to modify the loan for a lower interest rate instead they so-called lowered my payment but put me in a loan that is completely upside down meaning over 75 % of my payment goes to interest keeping my escrow and principal payment in the red. 
Every payment I make my principal balance goes up and escrow fall short right now my principal is XXXX and my escrow is XXXX my escrow would have been more but I made an additional payment of XXXX towards my escrow a couple of months ago I have tried everything to help myself I was sick when I got myself into this mess but now I am better and can see what they are doing my house has been paid off several times with all the money I have just given to these people I want to be able to pay off my home. 
Please help!!!! 
Thank you,
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed these accounts that do not belong to me. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 15 U.S.C 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am XXXX  a complaint against Cash Appv ( Vlock, Iinc. ) Due to inadequete customer serviceband unfair practices, which violate the Consumet Financial Protection Act ( CFPA ). Specificalky Cash App faoled to take timely and effective measures to prevent an address Pride on their platform leaving my account burnable and unprotected furthermore their dispute resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electronic fund transfer Act e l t a regulation e these ads have caused significant inconvenience and financial loss to seek appropriate redress for these violations.
Product: Debt collection

I have never lived at the apartment that is saying I owe this debt to. I have told numerous collection agencies that they have sold my debt to that I am a victim of Identity theft and that said agency removes the debt. I have never lived at this address I have never walked into this apartment complex and handed them my Identification to obtain an apartment. They allowed someone to apply online and move in without ever having to show proof of Identity in person. That person was NOT me! This is not my debt!! This apartment or rental agency failed to protect my identity.
Product: Checking or savings account

In XXXX I obtained a business credit card with US Bank, this card was held in the name of a corporation. In XX/XX/XXXX I fell behind on payments because my business was forced to close due to XXXX. I reached out to US bank trying to establish a payment I could afford, they told me they could not lower my payment. I reached out 6 months or so later again trying to establish an affordable payment plan and they told me they could not accept less. According to US bank this account was charged off in XXXX. On XX/XX/XXXX I received a letter stating {$18000.00} had been charged to a joint account I have with a family member. On Monday XX/XX/XXXX I called US bank to explain that they took money that was not mine out of a joint account, they were not able to assist me in resolving the issue. I was never notified that US bank was going to take this action. I wanted to set up a payment plan I could afford and was not able to.
Product: Checking or savings account

During the beginning of 2021 I lost my job due to it closing because of covid restrictions. My bank account was already in the low hundreds. Before I knew it bills and other unknown transactions were automatically coming out of my account. I called them and tried to have these transactions blocked but they said there was nothing they could do. My account was suddenly overdraft and i was charged a fee of XXXX dollars. I tried over and over again to have all transaction blocked but kept getting told the same thing. Over a period of a month they charged me over XXXX dollars in overdraft fees! No one on there customer service team would help me. Later i received a letter in the mail saying i owe them over XXXX dollars and if its not paid they will report my account to checks systems or something. The only reason my account was overdrawn the way it was is because they refused to close my account or block transactions from coming out. Return item fees, overdraft fees! its basically stealing! All I wanted was all the overdraft fees and return item fees refunded after speaking to customer service multiple times no one would help me. I was basically talked down to and threatened. This was with BB & T Bank. Also known as Trusit. I also cant get into my account to get documents because they locked me out!