23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been served a XXXX XXXX Justice Court papers in XXXX, Arizona ; stating I owed {$6600.00} to Sears Mastercard credit card ( Citibank, NA ) My name is XXXX XXXX XXXX and in the Court papers appears as XXXX " XXXX  '' XXXX. 
and in the application for Entry of Default is XXXX " XXXX '' XXXX, a married woman, I have been divorced since 1981. 
The statement is in '' XXXX '' a language I don't use at all. 
They do not show the account number, except for the last 4 digits which are XXXX. 
When I called Sears they informed that, that account doe not exist. 
I have been notified that if I do not answer or file a responsive pleading with the Court the Default will be effective and the Plaintiff may request a judgement to be entered against myself.

I have talked to the XXXX XXXX XXXX, XXXX The XXXX in XXXX Az.with no positive results. 
I do not owe that money and I feel very frustrated with this situation.
Product: Credit card or prepaid card

lost job an try to bounce back on my feet. my lawery suggested me to this site BKPT CT IL XXXX XX/XX/XXXX Type Bankruptcy chapter XXXX-dismissed Reference XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$380.00} XXXX XXXX XXXX opend XX/XX/XXXX {$13000.00}
Product: Debt collection

I am currently making payments bi-weekly for medica debt. This company continues to call me several times a day. This is harassment and it will not be tolerated.
Product: Credit card or prepaid card

I applied online for an XXXX XXXX serviced by Synchrony Bank. In my application I was asked for, and stated that, I do not communicate by telephone, therefore Synchrony Bank would contact me IN WRITING to complete the application process. THEY DID NOT. Instead, they sent a standard denial letter stating " Invalid phone number of applicant '' and " Applicant associated with multiple phone changes '', both of which are untrue and total XXXX.
Product: Mortgage

onXX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX as a nominee for XXXX XXXX XXXX a New York Corporation to XXXX XXXX XXXX XXXX XXXX  as trustee on behalf of holders of OPTEMAC Asset Backed Pass-Through Certificates, Series XX/XX/XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house onXX/XX/XXXX in the amount of {$300000.00}? OnXX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The debt aged out iwith the original creditor. I disputed the debt and it was removed from my credit report. The debt appeared on my credit report under another name, and I disputed the validation : XXXX XXXX  XXXX sued on behalf of Calvalry Portfolio that I owed this debt. I asked for verification of debt before the court date, and they did not comply. The court found that I owed the debt to the original creditor and that Calvalty Portfolio owned the debt. I contacted XXXX XXXX and Calvalry Port Folio twice with a debt verification request for documents. I have emailed and sent a certified letter as of XX/XX/23. They have failed to properly inform me of how to dispute this debt and have informed me it can not be disputed. I am aware that the statue of limitation on this debt expired and the zombie debt law passed should not have allowed this debt collector to sue me past the statute of limitation requirement.
Product: Debt collection

Company is trying to collect on a debt not owed. The charges that were sent to me, I was not living on property again, reason for stating this is fraudulent charges/identity theft. I was sent the balance owed at move out from the property manager herself and the balance was paid in excess to what was due, therefor a refund is due and should not be kept for profit by the property. FCO seemed to have purposely omitted this page from the ledger showing balance due. Proof of payment was sent to cancel out the debt with a credit balance. They are charging me for months rent that is past my lease date and is clearly outlined on the ledger I was sent directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX p.m. I spoke with XXXX different representatives at Transunion regarding the incorrect information being for the last XXXX months. I spoke with XXXX XXXX regarding the inaccurate and fraudulent information being reported. Transunion sent the pin number to my personal credit report to the wrong address even though I have sent them certified letters ( most recent certified letter sent XX/XX/2021 ) to correct my information that included my personal information. to verify who I am. I was told in order for me to receive a pin number that I have to resend all the information that I just sent to verify who I am because it wasn't processed and lost. I sat on the telephone for more than an hour to get this information corrected in addition to recording the entire conversation. Why would they create a law and statue for credit reports that aren't obligated to follow? They clearly broke the law, failed to update my information and lose the personal information that I sent through certified mail.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I used the Western Union remittance service to transfer the money on the XXXX of XXXX as per the date on the receipt provided to me after the transaction the money was supposed to be credited to my wife 's account by the XXXX XXXX. 
However, it did not happen so I had a chat with the executive on the Western Union chat service system and he assured me the money would be deposited in the receiver 's account on the scheduled date.

So I had a chat with the executive on the chat service again and the executive informed me that the XXXX XXXX is the date as per the sender 's country timezone Hence I waited however I did not see the credit in my wife 's account so on the XXXX XXXX morning I had a chat with the agent again and she told me they had escalated the case to the concern department and I would be receiving email from concern department ASAP But I didn't receive any email so I spoke to the agent again in the afternoon on the XXXX XXXX and guess what I got the same answer it is about XXXX XXXX  on XXXX XXXX and I have still not received any resolution from Western Union It has been 4 days and I am still waiting for the money Interaction number XXXX
Product: Debt collection

Got a bill from Montgomery ward saying I owed them XXXX account number XXXX I did not buy anything from them but they keep sending me bills and now have sent me to a collections company I never ordered anything from them they have never called me for anything just keep getting letters in the mail I've called them about the they said report identity fraud so that's what I'm doing
Product: Credit card or prepaid card

Wells Fargo Card Service is reaging their account by currently reporting on my credit report 52 charge offs when they can only report 1 the most recent as XX/XX/XXXX when this account was closed on XX/XX/XXXX, this is a serious violation of FCRA also very damaging to my credit worthiness and misleading to potential creditors
Product: Debt collection

I received a pre-legal notification letter from XXXX XXXX XXXX on XXXX XXXX, XXXX. I owe a jcpenny credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.
Product: Debt collection

Hello, A company that is coming up on my phone as Argon ( though I think it may be Aargon ) has called repeatedly saying they are attempting to collect a debt. I called back on XXXX XXXX and spoke with a gentleman who asked for additional information to verify that they are speaking to the person they are trying to reach ( even though my phone number brought up the account, he said ). I gave my name but would not give any additional information such as date of birth or address ( I don't give out information to people or firms I am not familiar with ). The man implied I should give him the information and sort it out as the company is calling me " incessantly. '' I called again on XXXX XXXX and spoke to someone who said her name is XXXX. She said that she needed the date of birth information to proceed. They will not tell me what the calls are concerning, so I am not sure if they are legitimate or a scam. I am not aware of any accounts that would seek collection, and I am current on all of my bills, to the best of my knowledge. 

The calls have agitated me, and are causing XXXX. I don't think I deserve to be harassed by a company I have never heard of, perhaps for no reason. Can you help? Thank you. 

The phone number they called from is XXXX. Their website says they are a debt collection agency based in Nevada. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Please see my attached Memorandum for the Record dated XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I was trying to sell an item on line. The caller said that he would pay me through XXXX. I downloaded the app. I got an email stating that I have to upgrade my account by sending {$650.00} and then I will be fully refunded. It was a scam I authorized the transaction but nothing was refunded. I called Chase and XXXX but they refused to refund me. 
Agent name ; XXXX XXXX XXXX Agent Email ; XXXX ; Effective time of 30 minutes _______________________________________ Above is the XXXX Agent Information you are required to Send {$300.00} USD and get back to us with a proof ( screenshot ) of it sent so your account will be successfully upgraded and we will release the total sum of {$800.00} USD,
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to dispute as fraud and nothing has been done
Product: Mortgage

This complaint is about SETERUS Mortgage Servicing Company based at XXXX XXXX XXXX XXXX, XXXX, and XXXX, OR XXXX. 
They took over my mortgage servicing in XXXX 2015, before I even got an invitation/introductory letter informing me about that they already served me with a bill demanding payment, while my old servicing company collected payment already from my account ( which was eventually returned ). 
And from then on it 's never ending harassment. I am bombarded with letters asking for all kinds of building insurances/policies, things I have never been asked for during 27 years I have been living here and owning the coop. Letters treating to buy insurance FOR THE BUILDING ON MY BEHALF! 
On one occasion they suggested that if insurance policies are not received they will buy some {$8000.00} property insurance and I will be charged for that PREMIUM. Another letter was sent to me stating that I will be charged premium of {$1400.00} for some other insurance policy. It 's just never ending game. 
I have called multiple times and explained that I have in all 27 years none of the banks or previous mortgage servicing companies asked me for any insurance policies. 
I have given SETERUS building management telephone number, fax number and Managers name so they can obtain all and any insurance policies they need, but they never contacted them. 
I had building management call SETERUS asking what it that they exactly need is, but STERUS refused to talk to them and said that they will not discuss it with third party. That THIRD PARTY owns this property/ residential building and that third party has insurance brokers that handle all insurance policies, but they would not talk to them. Every few weeks I would get another letter asking for another insurance policy, or stating that that policy expired and they will charge me for the one they will buy on my behalf. 
They had a nerve to charge me with {$1400.00} escrow balance added to my mortgage statement! 
Only when I called asking what 's that for and why they did it, they stated that it was just removed! 
They basically do whatever they want and play with my mortgage. 
I am appalled by it and can not believe this is permissible. 
Please note that I do own personal insurance of the coop, what they asking is BUILDING related insurance policies. 
Kindly please look into it. 
Thank youXXXX XXXX.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received an email from BOA about my credit line being decreased due to a past-due amount. This was confusing because the account was set for auto payment. Today I spoke with representatives from both departments, collection and customer service, and asked why the system didn't update to reflect the new payment for the minimum amount due. I also asked why is it that I did not receive a text, email, or phone call related to this change and the amount due. I have always charged $ XXXX to $ XXXX and paid it off the next month. I have never had an issue with paying the balance. 

I believe this issue occurred in XX/XX/2024. I tried several times to use the card and could not. I called Customer Service and they said there were no restrictions on the card. If there were an issue with the payment due it should have been stated at that time. Representatives must be knowledgeable and thorough when dealing with such issues. 

This ruthless and unethical behavior will hurt my credit score which will show that I used up approximately 90 % of the available credit. Therefore this will also make it difficult for me to obtain credit at a reasonable rate. If BOA has added late fees and reported this information to the credit agencies I demand that they resolve these issues immediately. I should not be penalized for their errors.
Product: Money transfer, virtual currency, or money service

I sent a sum to a user but the phone number was one digit off and they did not receive the payment. I was not able to get the money back even though the person was not the intended recipient.
Product: Mortgage

Im reviewing my Closing Disclosure and I notice that the closing costs are very high. So I would like to review them.
Product: Credit reporting or other personal consumer reports

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. 
If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 
Please send me a written confirmation that you have complied with my requests. 
Your failure to comply with my requests within XXXX ( XXXX ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681 ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and realize XXXX and XXXX is reporting a missed payment for a account that's not mines and can not be verified. The creditor Credit Acceptance Corp. does not have my correct information on file. The account is closed! 

XXXX is reporting Fraudulent accounts that are not mines such as XXXX XXXX XXXX. XXXX removed all my positive credit info and replace it with fraudulent derogatory information.
Product: Debt collection

I was never notified that I had debt in collections with this company. I was unaware that I had collections accounts open through XXXX XXXX XXXX until I was trying to purchase a vehicle on XX/XX/2018 and XX/XX/2018, and was repeatedly turned down for financing due to a poor credit score. Only then did I learn that there are 7 collections accounts open in my name from this company, totaling a crippling amount of {$73000.00}.
Product: Mortgage

On XXXX XXXX, 2015, I set up a direct debit with PHH Mortgage to have my monthly mortgage be paid on the XXXX of the month, every month. I attached a copy of the confirmation email i received. I also attached copies of how my mortgage is showing in their system ... that is is set up for direct debit. 
I found out that because I am in Chapter XXXX bankruptcy, the payments were not debited from my account. I was not aware of this. I first realized when I received a letter from my bankruptcy lawyer stating that they ( PHH ) are pursuing a consent order to have my home removed from bankruptcy protection. I contacted PHH immediately and explained the situation. The agent could see where I did set up direct debit but explained that they did not go through because of my bankruptcy. They would not allow me to make up the 'missed ' payments but directed me to their lawyer, who has not returned any of my phone calls. I do not want to lose my home and I do n't understand why they will not accept my payments and allow me to bring my mortgage current.