23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I received notice from my credit monitoring service that a collection account for {$650.00} had recently been placed on my XXXX   credit report. I accessed my credit report and verified the listing of the collection account and amount stated due. Prior to receiving an alert from the credit monitoring service, I had not received any correspondence verbally or written from the collection agency that placed the account on my XXXX   credit report and I have filed a fraud investigation request of the account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$49.00} Amount {$110.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Collection Agency XXXXXXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX CO XXXX AZ XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$5400.00} Amount {$5400.00} Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$630.00} Amount {$630.00} I have disputes these items numerous of times due to identity theft with supporting documents of the police report as well as my personal information attached for verifications. These debts keep reappearing through new collections attempts, harassing me through phone and email and I need that to cease and decist immediately. I have been sending the same removal letters and reports for over two years and they continually re-add these items to my Transunion, XXXX and XXXX reports.
Product: Mortgage

I was very ill XX/XX/2020 and unable to work or to locate and submit paperwork. I was laid off from my job on XX/XX/2020 due to the COVID pandemic. I asked my mortgage company for help. My mortgage company said I would have to fill out and application and hope to be approved. I read online that the CARES act is not supposed to have an application. My lender still will not allow me to be on the forbearance without filling out an application and applying. I have a XXXX XXXX backed loan.
Product: Prepaid card

Hold charges to my account on XX/XX/2024, XX/XX/2024 and XX/XX/2024 in the amount of {$580.00} which are all duplicated charged for processed fees charged XXXX days earlier.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer of funds from my Bank of the West/BMO account to my XXXX account 2+ weeks ago. After inquiring about the status oft the transfer yesterday ( XXXXXXXX  ) I was told that the transfer had not yet been made. So BMO is not fulfilling its obligation to make a simple wire transfer. This is unacceptable. Please help. 

Thank you.
Product: Debt or credit management

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXXXXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with  Flagship Credit Acceptance , in  XXXX    XXXX   the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to Flagship causing additional fees. Flagship received the payment in  XXXX   XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that Flagship does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.     Flagships poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was report ing 60 to 90 days late, Flagship being spiteful replied that the issue is resolved and now changed the account to 90 to 120 d ays late.
Product: Credit card

I was customer of citizen one cash back credit card since 2001. I have never missed or late with payment. Due to the postal depay last payment was late with XXXX days. the company without contacting me reduced my credit limit drastically and reported me to credit agency and my my credit score went from XXXX to XXXX. Their tel number is XXXX XXXX
Product: Checking or savings account

received a call from the phone number of my bank, United Community Bank, Treasury XXXX XXXX ; XXXX. Person identified himself as calling from UCB concerning possible fradulant charges on my debit card. asked me about purchases at a XXXX and XXXX  Read a security statement and advised that the call was being monitored for security purposes. First wanted to know what my online banking ID number was. 
I have been scamed out of {$4000.00}. on my XXXX card ( they removed all charges of this and changed my credit card number ) and an attempt to fraud from XXXX XXXX and from XXXX. Both of these were avoided. So I am very aware of scams. 

I gave him an incorrect ID number and he advised that was not correct and I gave him another one that was not correct. while I was doing this I went online and changed my ID and password as I was speaking to him. I advised him that he was trying to scam me and he was a theft. The first call was on XX/XX/2022 at XXXX XXXX XXXX, and on XX/XX/2022 at XXXX XXXX XXXX 

When I called back the number of XXXX, it did direct me to the actual office of UBC Treasury XXXX XXXX XXXX. 

I did call into the online banking service office and the UBC Treasury XXXX XXXX office and advised both of these what had happened. They checked my account and confirmed that my account had not been breached. 

Apparently there is nothing that can be done with people spoofing their phone number and they did advise me that they would not call on the phone about charges. They would first contact me about contacting them about suspecious charges either by text or email. United Community Bank was very helpful. 

What can be done about spoofing your banks phone number?
Product: Debt collection

On XX/XX/year>, I prepaid XXXX for a XXXXXXXX XXXX XXXX  to rent on XX/XX/year>, at the XXXX airport. At the time, XXXX allowed reservations for this specific model for an extra fee and advertised that all XXXX had Autopilot, an important safety feature for me. I own a XXXX XXXX XXXX XXXX because of Autopilot. When I picked up the car in XXXX, I found that XXXX wasnt working. I informed the XXXX attendant, who told me that Autopilot was intentionally disabled on all their XXXX  due to a recall. I explained that the recall solution was a simple software download from XXXX, but she said she couldnt help, and since it was late at night, I accepted the car. XXXX provided no advance notice that XXXX would be XXXX. ( FIRST FTC VIOLATION : False advertising. ) While I had the car, I tried multiple times by phone and email to get the software download or have another XXXX delivered to me that functioned as advertised. I was unsuccessful and eventually returned the car and ended my vacation early. I followed up with XXXX several times, but they responded with strawman arguments. I disputed the charge through XXXX XXXX, who ruled in my favor. Despite winning the dispute with XXXX XXXX, XXXX has continued to bill me, and threatened to suspend my account. ( SECOND VIOLATION : Suspending my account after losing a credit card dispute. ) After several more unsuccessful emails, I called XXXX, and the representative told me that the XXXX XXXX resolution didnt matter and that I still owed the fee. ( THIRD VIOLATION : bypassing the Fair Credit Billing Act. ) I informed XXXX of all this by email and said I would report them to the XXXX  and FTC if they sent another bill. Their only response was to offer credit vouchers toward my next rental. I have since received a bill from XXXX, their collections agency. I have mountains of evidence to support each of my claims above. This is harassment and I want it to stop. I already reported this to the FTC and to the XXXX, who is awaiting a response from XXXX. But the problem is a lot bigger than this. I happen to be a resourceful person, but not everybody has that advantage. NOBODY should be treated like this. XXXX should be fined or shut down permanently.
Product: Mortgage

My husband and I attempted to get our escrow account & payment adjusted due to an overestimation in property tax by Freedom Mortgage. They sent us a refund in XXXX but would not adjust our payment due to our unknown tax amount in XXXX ( due for XXXX ). We received our XXXX property tax during the week of XXXX in the mail, called on XX/XX/XXXX. Spoke with the tax department & they reviewed the tax amounts, verified that their estimation was over what is actually owed. He then called back to customer service, who refused to do an escrow analysis & payment adjustment as " it is not scheduled until XXXX ''. We told them last year that once the tax statement was received, that another analysis would need to be done right then but now they refuse. I do not recommend Freedom Mortgage and wish our loan was not sold to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX : {$5400.00}
Product: Debt collection

On XX/XX/2018 a default judgement in the amount of {$5000.00} was entered against me in a Civil Case in XXXX XXXX County court that was not the Court in my immediate area. I was never notified by by Persolve LLC that I owed them a debt, nor was I informed of what the debt is for prior to them filing suit. I still do not know what this debt is they fraudulently claimed they served me at a business postal box. They shared information regarding the lawsuit with the business owner who informed them I no longer had an active mailbox with them and could not accept any documents. The individual then yelled at her stating she had to accept the documents. When I returned to the area and wanted to establish a mailbox again the owner informed me that someone had come in there and yelled at her. She was not provided a name and since I had no knowledge of the case I was not able to figure who or what she was talking about. I was never provided any court dates to defend my rights to respond. They fraudulently moved forward with a default judgement in a Civil Court case, if the  debt is even valid ; knowing I was never served. 
- No Notice to Dispute Debt - Debt is Unknown - Fraudulent lawsuit, never served to respond - moved forward to get a default judgement knowing I was never served
Product: Credit reporting or other personal consumer reports

I did not authorize anyone to use my personal information.
Product: Credit reporting or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have doubts about the accuracy of this account and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I have a Barclays Frontier Mastercard and have been a member since early 2023. A benefit of the card is as follows... 

Upon review of your account, you will earn a {$100.00} Frontier Airlines Flight Voucher after your account anniversary when you have spent {$2500.00} or more in purchases on your account during your card membership year ( each 12 month period through and including your account anniversary date ). The Flight Voucher will be issued approximately 6-8 weeks after your account anniversary date if the {$2500.00} in Purchases requirement was met during the card membership year. The Flight Discount Voucher will be delivered via email to the primary cardmember 's email address on file with Barclays and will also be available by logging into the primary cardmember 's online account at BarclaysUS.com.

I have never received the account voucher. When contacting Barclays, they say its the responsibility of Frontier. When contacting Frontier, they say the voucher will be sent by Barclays. Neither company can provide information on if or when the voucher was emailed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with theFair Credit Reporting and XXXX Account # 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. 

XXXX XXXX XXXX. Account # XXXX XXXXXX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act 15 USC 1681 ( 6 ) ( B ) iii ( FCRA ). 

Failure to Investigate Disputes : On XXXX and XXXX, I submitted formal disputes to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681 ( a ) ( 1 ) ( A ). 

XXXX of XXXX Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). Experian did not provide this description within the XXXX timeframe mandated by the FCRA. 
This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.
Product: Mortgage

The payment that I made to Arvest mortgage in early XXXX ( {$5000.00} ) was evidently misapplied towards my automatic payments in XXXX and XXXX. I told them that was not what I had requested and was told it could not be fixed. This was costing me interest. I tried repeatedly to get them to correct the mistake and apply it correctly along with taking out the automatic payments correctly and they said it could not be done. Even the XXXX payment which had not occurred yet could not be corrected. It was extremely frustrating since it was the bank 's mistake, so eventually I went to my bank and had them wire the payment to completely pay off the loan which cost me an additional {$20.00} for the wire. I am no out the interest from the payments that should have been made as well as the wire fee. It was not the mistake that bothered me as much as the fact they said the mistake could not be corrected even though I had automatic payments and had paid an additional {$5000.00}.
Product: Debt collection

Pioneer Credit Recovery Inc. has left messages with family and friends on more than one occasion. This is in direct violation of the Telephone Consumer Protection Act ( TCPA ). In addition, they have use robocalls with a recorded message in which they ask for a XXXX XXXX. At the end of the message, a phone number is left for her to return the call. 

Pioneer Credit Recovery Inc XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX
Product: Debt collection

Back in XXXX we decide change phone carrier we were with XXXX XXXX XXXX and prior us switching I called XXXX XXXX XXXX  customer to see the amount for ending our service with. Customer reply back with around {$260.00} and something. So decide to carrier and the new carrier cancel our service with XXXX XXXX XXXX when we switch over. We never receive a bill statement from XXXX XXXX XXXX after that and we did paper statement by mail. Then in XXXX I receive statement from Credence Resource Management LLC saying I we owe {$560.00}. XXXX. I called XXXX XXXX XXXX to get answer why I did not receive my last statement and customer said that they sent my mail and email which is not true. I also ask that amount I was differently prior to switching carrier. The customer said because of early termination feel and remaining on our phone device again not true. We have been with them for several years and last time we got a phones device from them was XXXX years and they were pay off and we had no sign agreement with after XXXX years. Then I went on to ask a copy of last statement or any past due state. The customer service got rude and said it not our problem anymore the debt belong to Credence Resource Management now. Then I called Credence Resource Management all got was being transfer to one person to another and not getting any answers. Then in XXXX I wrote to them by certified mail requesting a copy of the last statement from XXXX XXXX XXXX showing what has been. Credence Resource Management sent me dispute letter response only stating the amount valid. No copy of the itemization charges from XXXX XXXX XXXX.
Product: Vehicle loan or lease

The loan is through XXXX for an auto loan on a XXXX XXXX. I have been trying to get into the website since XXXX to make a payment. The website wont open ; the message states : the resource you were looking for has been moved, had its name changed, or is temporarily unavailable. I have tried several different ways to access my account with no luck. I have contacted the lender at XXXX and received an auto answer that the institution is closed for unforeseen reasons. I have also contacted the Mini dealership who was unaware of the problem. 

Have not received any communication from XXXX and, obviously, concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/2021 I contacted Equifax via telephone to remove unauthorized inquires on my credit report. The agent refused to, which is a violation of my consumer federal protection rights. Equifax is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2. I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. Additionally I advised the agent at Equifax that I filed a FTC complaint and faxed it over however the agent still refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage payment was returned for NSF. When contacted Mortgage company to pay over the phone I was advised not to pay it. I was told the payment would go through a second time automatically. Contacted the Mortgage company a few weeks later to discuss the payment again. Was then told the Payment would not be pulled automatically and that I needed to pay it. Money was in the account waiting to be paid. The mortgage company reported a 30 day late to the credit bureau. It should have never happened. It was completely the Mortgage companies fault..
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$13000.00}