23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company : XXXX. for XXXX. XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : [ XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They reported a debt I never owed on my credit report I never owed. 
The company never gave a validation of the actual accounting of the debt, proving that the company will sustain an actual loss if the debt goesunpaid. 
The company never provided the identity of the original creditor.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX & XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Mortgage

I XXXX XXXX XXXX, am requesting another Escrow account Analysis after the loan is fully modified reflecting XXXX XXXX XXXX within the PHH Mortgage Companies and XXXX County Assessor Clerk. I am a XXXX veteran recieving compensation benefits and I need to claim Property Tax Exemption but I can't because the Title on file with Assessor Clerk is not matching the current loan modification of borrower which is me XXXX XXXX XXXX. Delay of the Loan Modification process in particular has caused me a hardship due to I am limited on my benefits I can claim/apply for within my county. I was recently told about my escrow analysis and the shortage, but was confused because it was done before the loan modification was fully finalized and the mail recieved ; I am still as C/O, and when I call I still have to give my late grandmothers sign in credentials, I am so confused as a veteran. I haven't been locked in the new loan terms for 54 days and I have been put in default of escrow shortage for 54 days confusing. I feel some of the monies during Ocwen and PHH merger has been a data input in error, causing a negative domino effect on the account before modification and during. 
A payment of XXXX was paid to the account # XXXX on XX/XX/XXXX???? 

-Requesting another Escrow Analysis, under new Loan Modification Terms. ( XX/XX/XXXX ) -Need Loan Modification finalized, reflecting XXXX XXXX XXXX , as of ( XX/XX/XXXX ) -Request for Name and Title Change. 
-Payment of XXXX where was monies applied too? 
-Detailed payment history dates from : XX/XX/XXXX to Present https : //rapidfunds.com/homeowners-keep-winning-against-phh-corporation/ " settledfor {$17.00} XXXX with both PHH and XXXX paying over alleged kickbacks for title services. PHH is a subsidiary of Ocwen, a publicly traded financial company that provides residential and commercial mortgage servicing and debt collection services. According to news reports about the first settlement, the agreement was reached with 49 state attorney generals and 45 state mortgage regulators for practices reached between XX/XX/XXXX to XX/XX/XXXX. Among the allegations stated in the lawsuit PHH *threatened homeowners with foreclosure, did not keep accurate documentation, did not apply payments accurately to certain borrowers, did not adequately process borrowers applications for loan modifications. PHH was also required to pay {$30.00} XXXX to homeowners who lost their homes in foreclosure. Eligible claimants are can applyhere. ''
Product: Checking or savings account

I opened a personal checking account with BMO bank since it was close to my office. I opened the account online ; therefore, I wasn't able to deposit any checks for a few weeks. on XX/XX/XXXX, I deposited a check from my XXXX XXXX business account for {$5000.00}. On XX/XX/2024, I tried to log on to my online account. After several failed attempts, I called them to see why I can't log in. I was told BMO closed my account due to my check being investigated, red flagged and suspicious. I asked for an explanation to how this is possible. This is my business account for a medical office that has been licensed and operating for years. They said they had no information to give me. I asked where the funds were- the {$5000.00} deposited and I was told they have been sent back to XXXX XXXX XXXX where I had my business account. When asked for XXXX, the representative said they had no managers and hung up the phone on me. After speaking to XXXX XXXX, they said they did not get the funds. Called BMO again, now I'm told funds are sent to unclaimed properties. I check on unclaimed properties and there aren't any funds anywhere to be found. BMO has stolen {$5000.00} of my money and closed my account for absolutely no reason but discrimination.
Product: Debt collection

XXXX, from XXXX XXXX  keeps calling me. 

This is regarding medical debt that I am both partially disputing the amount as well as trying to negotiate my final owe amount. I've already sent them two ( non-certified letters ), and I had explicitly stated that I would only deal with them via email. There is no reason for them to keep calling me.

Every-time they do call, but coincidence I wasn't able to pick up, and when I call back I am getting to their call center with no extension. One time I've picked up the phone, and they must have hung up when I tried speaking.

I am assuming that this isn't out of malice on their part to harass me, just gross incompetence with their phone system. But either way, please tell them to stop calling me.
Product: Credit card

American Express, the credit card company, offered a {$250.00} bonus statement credit and will now not comply with their offer. 

See the attached letter and support documentation for facts and details.
Product: Debt collection

I was a victim of identity theft and noticed a collection from WAKEFIELD & ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against WAKEFIELD & ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Student loan

I began a checking account with Citizen 's Bank at the beginning of XXXX. On XX/XX/XXXX I checked my balance and saw a debit for {$1900.00}. I immediately called the bank to inquire and they notified me that this was taken out of my account to pay for a student loan that I have with them. The loan was taken on XX/XX/XXXX through Citizen 's Bank. I did not graduate undergraduate school until XX/XX/XXXX. I spoke with a supervisor named XXXX who told me that all of this is legal and protocol and that I should've been notified that this would happen but I absolutely never was. They had the wrong address on file for me and a phone number that I nor any of my friends and family have EVER been associated with. Up until today, I have gotten 0 letters, emails, or phone calls about this matter. XXXX told me that I should've been notified but I never was. The woman I spoke with, XXXX, before talking to XXXX told me that these loans don't have to be paid on until I graduate undergraduate school, but XXXX told me that it was defaulted on XX/XX/XXXX, one year before I graduated school. I should not have been taken advantage of this way. I should've been asked or at the very least notified that this would happen. They don't have my correct graduation date, phone number, address, or anything on file for me. I would like this money back in my account immediately and would like to arrange a payment plan to pay this loan off. I am currently voluntarily paying towards my student loans outside of Citizen 's Bank because I want to pay my loans off sooner than later, but had no idea that this one had to be paid off otherwise I absolutely would've been. I check my credit religiously and I would think that if a loan defaulted, it wouldshow up on there but I have seen nothing.
Product: Money transfer, virtual currency, or money service

Im trying to get into my Coinbase account because I know I have money in my account. However I dont have access to my old email but know my password. I went through their identity verification where I took a picture of my ID and recorded a video of myself. They provided a recovery pin XXXX but once I continue it says were having trouble connecting even though my internet connection is fine.
Product: Credit card

I got a XXXX percent interest card from Synchrony. The representative from XXXX XXXX XXXX  set me up with financing. He said it was XXXX percent interest and would allow me to spread out the payments over the course of the year. This card was orginally making payments, then stopped, and charged me very excessive late fees of XXXX XXXXXXXX. Apparently they were also charging me accrued interest, which I was unaware of and should not have mattered because the loan balance should have been paid off. They charged me a lump sum of {$560.00} dollars worth of interest for the year even though the original principal balance was only {$1600.00} dollars and I had been making the full payments on this. I just called them to ask why this it wasnt already paid off as I originally set up the payments and even paid the late fees to be caught up. I just found out they posted this to my account. I called them and they did not want to take off these predatory charges. These charges should have never happened in the first place and I have never had any issues like this with any credit cards ever before.
Product: Credit card

I am filing a complaint regarding unresolved issues with my Citi Best Buy Credit Card related to a purchase I made on XX/XX/XXXX ( Order Number : XXXX ). 

Timeline of Events : 1. Missing Delivery : The order did not arrive despite a FedEx delivery notification. FedEx could not provide proof of delivery, so I contacted Best Buy customer service on XX/XX/XXXX and opened Case ID XXXX. 

2. Refund Approved but Not Processed : On XX/XX/XXXX, Best Buy confirmed my refund via email. My Best Buy account showed the refund credit was applied but listed as " pending. '' Assuming the issue was resolved, I stopped checking my account. 

XXXX. Promotional Purchase and Account Issues : This purchase was part of a promotional 6-month financing plan, as I was a My Best Buy Plus member. However, Citi Best Buy never applied the refund, and my account was marked delinquent. This caused : 4. Damage to my credit score due to missed payment reporting.

Accumulation of additional charges, raising my balance from {$520.00} to {$680.00}. 
Efforts to Resolve : I repeatedly contacted Best Buy customer service, who referred me to Citi Bank customer service. However, Citi Banks automated system would not allow me to speak to a representative without making a payment. Eventually, I bypassed the system and spoke to someone who opened Claim XXXX. 

XXXX. Current Status : As of XX/XX/XXXX, my account is still reported as delinquent, and I continue to receive automated calls from Citi Bank demanding payment. I have also attached a document from Citi Bank, received on XX/XX/XXXX, indicating that my dispute is still under review.
Product: Debt collection

Someone used my identity to rent an apartment for XXXX XXXX. I did not authorize this transaction. Upon review of my credit report I filed a FTC identity theft report. I sent a copy to the credit bureau with a formal dispute letter. This company continues to verify to the bureaus that this debt accurate??? How can this account be accurate if it's fraud? According to the FCRA section 605 b this information should be blocked from my credit report. All collection attempt should cease. Because they refuse to follow the law and at the minimum have integrity to at least pause collection activity until a thorough investigation is completed. I was recently denied a loan because of this account. It was hurtful and embarrassing. This is Fraud Enablement and Defamation. It is morally incorrect and unfair that they do this to me. I'm the victim amd is being punished fir trying to correct a problem that I didn't cause. I never lived in this apartment or had any business dealings with them or gave them my personal information.
Product: Mortgage

I would file an official complaint with Freedom Mortgage and the underwriter that handled the loan for my wife XXXX XXXX. The underwriter was sending last minute requests close to the end of each business day that involved my business and also my wife. 

We felt the requests were very repetitive and we had already provided the documentation to the underwriter for Freedom Mortgage through tax returns and bank statements. Only to have the information requested again delaying our closing and costing us more money in the long run.

We were asked at the last minute to provide a letter explaining why were downsizing our home when if fact the home is 200 square feet larger than our previous home. We asked several times what is all the information that Freedom Mortgage and the Underwriter needs in now. From our perspective the underwriter kept taking their time asking for requests several days over several weeks as to at the beginning of the process. 

Then I received a letter from XXXX XXXX the Sr. Vice President of Customer Service at Freedom Mortgage that did not address all of our concerns and issues with the underwriter and this unpleasant experience. I left her a voice message 5 days ago to address the concerns and issues not addressed in the letter sent to me without a response to date. 

I want to know if this is an ongoing practice by Freedom Mortgage and were we profiled for some reason resulting in a form of discrimination being as though we were putting close to 30 % down payment on the mortgage which is not the norm for owner occupied homes.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF DISPUTE AND NON-CONSENT XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Unauthorized Information on Consumer Report Dear Sir/Madam, I, XXXX XXXX XXXX XXXX hereby submit this affidavit regarding a matter of urgent concern. It has come to my attention that [ specific account or item ], identified by [ account number or reference number if available ], has been reported on my consumer credit report. I contend that this information was furnished without my consent and is therefore in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( b ).

1. Statement of Facts : * I did not provide any authorization or consent for the reporting of the aforementioned information on my credit report. 
* The inclusion of this information on my consumer report is a violation of my rights under 15 U.S.C. 1681a ( b ), which stipulates that consumer reports must only include information relevant to the consumer 's creditworthiness, and that such information must be reported with the consent of the consumer.

2. Request for Action : In accordance with 15 U.S.C. 1681i, I am requesting that the disputed information be investigated and removed from my credit report immediately. Please provide written confirmation that this information has been deleted and that my credit report has been updated accordingly.

3. Supporting Documentation : Enclosed are copies of my recent credit reports from your respective agencies highlighting the disputed entry, as well as any other documentation that may support my claim. 
4. Contact Information : Please contact me at XXXX or XXXX should you require any additional information or documentation to expedite this matter. 

Thank you for your prompt attention to this serious matter. I trust that you will address this issue in accordance with the provisions of the Fair Credit Reporting Act and ensure that my credit report is accurately and fairly maintained. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer reports. You are reporting 6 late accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all are in dispute currently. These companies are supposed to immediately disclose to you the accounts are in dispute ( 4 days ). I also do not and did not authorize the following hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

MY EMPLOYER IS NOT XXXX XXXX XXXX ALL OF THEM SHOULD BE REMOVED. Please correct these items within the four day time allotment to not be in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.
Product: Debt collection

I paid off a debt with portfolio recovery XXXX/XXXX/XXXX. The debit was from XXXX XXXX in XXXX. Before I made the payment I was advised it would be removed, The debt was removed XXXX/XXXX/XXXX and then re added XXXX/XXXX/XXXX. Stating that I owe XXXX. I do not owe this amount and it was removed and added back. I contacted portfolio recovery and they told me they do not remove it from the credit file. They are reporting a balance that was paid for and will not removed it.
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 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$810.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$740.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts to rectify the fraudulent, inaccurate, and misleading entries on my credit report, the issue persists unresolved. The presence of these erroneous items has had a profound negative impact on my life, causing significant stress and XXXX I must reiterate that I am a victim of identity theft and did not authorize or consent to having this fraudulent information associated with my name and credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Debt collection

An unpaid item in the amount of {$780.00} was placed on my credit report ( s ) by XXXX XXXX TN and is currently held by United We Collect Inc. The account was 'opened ' XX/XX/2016. I have attempted to contact both XXXX and United We Collect multiple time and have never received a response. 
I have not taken an ambulance ride ever and none of my dependents have taken an ambulance ride. I would like for one of the companies to provide me with information on this debt or have it removed from my report ( s ).
Product: Student loan

XX/XX/XXXX I contacted my loan servicer Edfinancial Services about an email I received from the Department of Education ( XX/XX/XXXX ) stating my school was a fraud it violated many laws and my loans were to be discharged and a refund would be given to me for every dime I paid towards these loans the representative I spoke with stated she didnt see anything if something changed she would let me know XX/XX/XXXX I call again same thing no update I check my account no update I call every week until XX/XX/XXXX I check my fasfa and my loan balance says {$0.00} ok I call the borrowers defense to confirm my refund they tell me to contact Edfinancial as they issue the refund checks I call Edfinancial and they point me back to the borrowers defense department Ive been doing the same exact thing every week now its XX/XX/XXXX I have paid {$3500.00} actually was taken out of my taxes ( wages garnished ) towards these fraudulent accounts Im asking where is my refund?? Ive waited the 3 months Edfinancial claims it takes Im really not receiving any help from either department when my hard earned working money was wrongfully taken from me I have proof of any documentation needed Im asking can anyone help me contact Edfinancial, the department of treasury about issuing me my check please???