23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Deceptive debt-collection practices. Contacting family, friends and me via phone & email AFTER I have asked to stop. 
This is not my debt. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> : threatening phone calls to family XX/XX/year> threatening phone call/robocall message to me XX/XX/year> deceptive collection attempts to personal email
Product: Debt collection

On Friday XX/XX/XXXX, I received a call from XXXX at XXXX. I was told they are collecting on an old bill from XXXX XXXX XXXX. They said I owed {$1600.00} from a past bill. I told them I filed bankruptcy and all has been XXXX. XXXX proceeds to tell me that they do not accept bankruptcy settlements and I would still have to pay. {$800.00} to {$900.00} for a settlement was offered. I told him that I would have to talk to my lawyer. XXXX XXXX, XXXX. 
Then on Monday XX/XX/XXXX, I received several calls from a 'XXXX  ' a processor claiming that I will be garnished and served at my place of employment. Each time I would call them back, I got her voice mail. And then finally, the last time I called, I was told by the legal department that I was not to call them back again. 
I got the following information about them. 
phone - XXXX address - XXXX XXXX XXXX XXXX, CT XXXX and I received this information from Mr. XXXX yesterday XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 15 hours ago ) to me XXXX / XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - 19 posts - 18 authors They say they are going to garnish funds for a title loan never took out and take us to court for wiring fraud No clue what is up if they are a scam ... 


XXXX / XXXX 10 posts XX/XX/XXXX XXXX / XXXX 20 posts XX/XX/XXXX More results from XXXX XXXX : I XXXX  the number. 

and the company that started it all was XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX in XXXX I have tried with several letters to clear this off my report. I keep getting responses back that do not address the main issue. Im not requesting verification of this debt but I am requesting VALIDATION of the debt. Physical verification of a signed contract. License number of an. Authorized agent who is able to collect this and is licensed in the state of Pennsylvania. If these cant be met Id like this item removed from my credit report immediately since this has been going on for months now.
Product: Credit card or prepaid card

When I initially applied for the Best Buy Credit card back in 2012 they added in a debt protection fee that adds an addition charge for every XXXX dollars financed. From my understanding the protection was disclosed in the application but not brought to my attention as i would have never purchased the debt protection. I discovered this back in XX/XX/XXXX when I paid off a large sum and was hit with a charge that I've never seen on my statements before for debt protection. Citigroup or the subsidiary was very helpful in terminating the protection. I attempted to previously get the funds reimbursed in total for over the XXXX dollars paid into the program but was returned that they can not due to me signing up and applying for coverage. I have attached the letter from the first attempt and also and example of a billing statement highlighting the fees charged for this period and over the year. I have all financial records from this account and do not see anything for the debt protection. I have a request currently with the debt protection agency to give me a copy of when I agreed to or signed stating I am in agreement with the protection.
Product: Mortgage

Nationstar Mortgage has not filed a release of lien. When I was notified of the transfer of the mortgage from XXXX to Nationstar ( XXXX XXXX ) my mortgage had about two years of payments remaining - mostly toward principal and a total amount under ten thousand dollars. If I had let the mortage run its course, I would have only paid a few hundred dollars in interest. So I was thinking about paying it off anyway before the notification of the transfer arrived in the mail. I made XXXX payment in XXXX to Nationstar, which was difficult because they only set up my online account when I demanded it after XXXX consecutive days of phone calls and more than five hours on the phone. And then the payment did n't show up until I called back repeatedly - and the customer service is abysmal. This made me quite nervous because I pay bills on time and have excellent credit. At that point I decided to pay off the rest of the note, so I requested a payoff statement. The payoff statement that they sent was incorrect, so I had to request another one. I did a wire transfer directly from XXXX XXXX XXXX so that I would have some very official documents for my records that would confirm that I submitted the final amount on the payoff statement. Months later, Nationstar has not filed the release of lien after multiple official requests. They also have apparently never reported the existence of the loan ( which was in their hands for just under two months ) and it does not show up on my credit reports - either as an existing or closed mortgage. I am concerned because, as I have told the company multiple times, that if I need to sell my property the transaction will be held up because they still have a lien that needs to be removed. The company seems entirely incompetent at best, and predatory at worst. When they bought my loan, I had made every payment on time without issue. Never had problems with a mortgage company for the entirety of my mortgages ( and I have had several on different properties in my lifetime ) but Nationstar is a disgrace. What they are doing is unlawful - there is a law that requires them to release the lien, and I am afraid that I 'll have to pay a lawyer to get it done.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a credit card thru my US bank app ( XXXX  shoppers credit card ) and was approved, {$2500.00} spending limit before I receive the card and {$15000.00} after receiving the card. On XX/XX/XXXX I started using the card since they are promoting it as a shoppers card and that you would get {$200.00} cash back on the first {$1200.00} you spend plus % XXXX cash back on any purchases made from XXXX retailers of my choice and XXXX % cash back on purchases made at any gasstations. On XX/XX/XXXX I tried making a purchase at XXXX XXXX for an XXXX for my wife using that credit card, it got declined which I thought it was normal since it's a purchase for {$1000.00}. I still purchased the XXXX using my debit card, and called the credit card company to inquire why did it decline the transaction, the lady from customer service told me that because the card was fairly new and she went ahead and unblocked it. The next day I went to XXXX and made a purchase for {$33.00} and the transaction was approved, later that day when I attempted to make a purchase for {$9.00} at XXXX it got declined. I called customer service to see what's going on, I was shocked to find out that they put my account on hold claiming fraudulent activity, and that they would contact me within XXXX to XXXX hours. I waited XXXXhrs and called them again and explained the situation and they said to give it an hour and it would be working. After another XXXX  hours it still wasn't working. I decided to go to a US bank branch and see what's going on. They contacted card member services and they told that they called one of phone numbers I used to have XXXX years ago and the person who answered the phone told them he never applied for that card. But the bank rep verified that they contacted the wrong person because I had my ID, social security card and the credit card in hand. So card members rep told her she would remove the block and i should be able to use my card. I never attempted to use the card after that and waited XXXX days to contact customer service to find out that they closed the account and a letter was sent out. During the XXXX weeks they never attempted to contact me yet they have my phone number, email. The last attempt to get an answer was XX/XX/XXXX were the rep told me that someone contacted them saying they never applied for the credit card and disputing the charges. I asked them how did that person managed to get the verification code that normally is sent to my phone. I feel like US bank has discriminated against me because of my name and ethnicity, never attempted to contact me or allow me to plea my case. They keep giving me different answers and ones that don't make sense. I am not sure what are the precautions from this on me but I am sure I will be contacting a lawyer.
Product: Debt collection

The private student loan that I am being garnished for belonged to my brother. My brother filed XXXX  XXXX bankruptcy which included this debt. It was discharged in XX/XX/2013. Although Student Loan Solutions was notified of this, they began to garnish my wages at a rate of 25 % when they were unable to collect from my brother. Because I am an educator and single parent who also takes care of our elderly mother and can not afford to lose that much income, my brother attempted to resolve this matter with Student Loan Solution who purchased this old discharged debt. They were able to collect several thousand dollars from my brother and when he no longer had the funds they came back to garnish me again. Student Loan Solutions refuses to stop debt collection and it seems as if the courts are allowing them to continue without just cause. Bankruptcy paperwork was filed with the court but this company is relentless in collecting debt that does not belong to them as they " purchased '' it long after the bankruptcy discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXXXXXX Account was removed but Experian unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. Experian claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Experian is refusing to remove inaccurate and fraudulent accounts, incorrect addresses, and associated late payments from my credit report. I have provided Experian with an FTC Identity Theft Report, along with supporting documentation that clearly proves these accounts and addresses were the result of identity theft and fraud. Despite this, Experian has failed to take appropriate action to investigate and correct my credit report. 

This refusal to act is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and correct errors in a timely manner. Experians inaction has caused significant harm, including damage to my credit score and unnecessary stress. 
Fraudulent Accounts : XXXX : Opened on XX/XX/XXXX. 
XX/XX/XXXX : Opened on XX/XX/XXXX. 
XXXX XXXX XXXX : Opened on XX/XX/XXXX. 
Incorrect Address : XXXX XXXX XXXX, XXXX, TX XXXX : This address is not associated with me and should be removed. 
Late Payments : Late payments from XXXX XXXX andXX/XX/XXXXare tied to fraudulent accounts and do not belong on my credit report.
Product: Money transfer, virtual currency, or money service

I made a {$390.00} XXXX transfer to BofA ( XX/XX/XXXX ) and the money never reached my account again. I opened a dispute on XXXX and they said it was not their responsibility and passed the data to BofA and closed the case ( XX/XX/XXXX ). I filed a complaint with the bank ( XX/XX/XXXX ) and after that a letter arrived from the bank : Case Number ***** Account ( s ) ending in XXXX Date XX/XX/XXXX Account information Here are the details you requested about the electronic transaction ( s ) on your account. 
XX/XX/XXXXXX/XX/XXXX Amount : {$390.00} Transaction Description XXXX XXXX XXXX XX/XX/XXXX # XXXX Pmnt Rcvd XXXX XXXX XXXX XXXX XXXX Ny, Debit Card : Unfortunately, we can't provide copies for phone, Automated Clearing House ( ACH ), debit card or internet transactions Helpful reminders. 

And until today ( XX/XX/XXXX ) I have not received any money in my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

I have a cousin who thinks they are entitled to my XXXX accounts. XXXX XXXX XXXX has stole over XXXX XXXX XXXX from my accounts. Stolen my relocation money from XXXX and is now trying to take over all my federal accounts. I need assistance in this asap. My number is XXXX. XXXX Accounts with Wells Fargo under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear CFPB staff, I visited the HSBC XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Branch on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX. The three visits were made in order to open a new Fusion First Business Checking account during the HSBC {$350.00} bonus promotion period. 

A personal banker named XXXX XXXX XXXX helped me finalize the opening of my account on XX/XX/XXXX and an opening deposit of {$5000.00} was made on that date. The bonus promotion brochure I was handed by Mr. XXXX specifies the bonus requirements. Please see the attached scanned copy of the bonus promotion brochure. 

I met the requirements as follows : Made deposit in excess of {$5000.00} on XX/XX/XXXX I registered and first logged onto HSBC net on XX/XX/XXXX I met the 120 day period of having a minimum balance of {$5000.00} on XX/XX/XXXX Based on HSBC 's Terms & Conditions for this bonus, I should have received the bonus by XX/XX/XXXX. 

Upon not receiving the bonus, I called HSBC on XX/XX/XXXX and received confirmation that I met the requirements for the bonus and was referred to XXXX XXXX, the Premier Relationship Manager at the XXXX XXXX Branch for further assistance. 

Mr. XXXX and I made a conference call with another HSBC banker named XXXX on XX/XX/XXXX. By using Access Control for Account Services and using the Activity Log Filter, XXXX confirmed that I met all of the requirements for the bonus. 

On XX/XX/XXXX, I received an email from Mr. XXXX who stated : " I finally got your request approved. You can expect the deposit in your account within 4 weeks. I apologize for the delay but happy to report that you will be receiving the bonus. '' Please see attached copy of Mr. XXXX 's email. 

Mr. XXXX was nothing but persistent, responsive, kind and helpful during this process. However, I do not find it acceptable that the HSBC back office will not credit my account with the bonus I was promised that I should have received by XX/XX/XXXX based on the Terms and Conditions of the bonus promotion brochure. Waiting another 4 weeks from XX/XX/XXXX, with the hope of possibly receiving my bonus is unacceptable.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove these addresses And all information from unauthorized inquiries unauthorized accounts on my consumer report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : SEE ENCLOSED AND ATTACHED Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a {$50.00} debit to my XXXX XXXX   account, debited by US Bank. I found out that US Bank debited {$50.00} to cover two separate, identical {$25.00} membership fees that appeared on my XX/XX/XXXX US Bank statement. Im not sure why there are two identical membership fees in the same month, for the same year.

I have not used my US Bank card in recent memory, perhaps for the last couple of years. I no longer have possession of a US Bank credit card, although my account remains open.

As far as I can tell, I was not charged a membership fee in XX/XX/XXXX. I checked my online US Bank statements from XX/XX/XXXX, and no membership fees appear. Additionally, I performed a search of my XXXX XXXX  statements from the last 24 months, and no debits in the amount of {$25.00} or {$50.00} fees appear in my XXXX XXXX activity. My XXXX  account is linked to my US Bank account, and so if I had been charged a US Bank fee in XX/XX/XXXX, I presume that would have been debited from my XXXX account. Had I been told by US Bank that a US Bank membership fee would be instated in XX/XX/XXXX, I would have closed the US Bank account.

I called US Bank and was told the membership fee cant be waived, refunded, or credited. A supervisor there also told me that she does not know if or when I paid membership fees in the past. She seemed unfamiliar and unable to verify if this is a newly instated fee or if I was ever charged the fee in XX/XX/XXXX. When I asked to speak to a higher-up, she told me that is not possible.

I would like US Bank to refund {$50.00} in fees and then close my account immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$24000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$93.00} XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent dispute letters to Transunion, XXXX, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for Transunion, XXXX XXXX XXXX XXXX XXXX for XXXX, and I need assistance in this matter.I will attach copies of the letters below for your reference.
Product: Mortgage

In XXXX I received a bill from Servicemac for my monthly mortgage payment. My usual payment was about {$1000.00} monthly. However, I receive a new bill in the amount of {$39000.00}. 
I called in XXXX and spoke with a representative who stated that it was a clerical error and it should be fixed by the next month. 
In XXXX I receive the bill for {$39000.00}. I spoke with a tax department supervisor XXXX on XX/XX/24 who was going to have this issue escalated and it was supposed to be fixed in XXXX business days. 
I followed up on XX/XX/XXXX s/w XXXX who explained that the money put into the escrow account had been refunded and the issue would be solved the next businesss day. 
I receive another bill in XXXX for {$39000.00}. On XX/XX/XXXX my husband called again and spoke with XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

We have not been given any clear explanation what caused the delay in solving this huge discrepancy on our account.