23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On or BeforeXXXX, I opened a Accounts Checking and Savings Account @ BankofAmerica. With my A.C.H. SSI XXXX INSURANCE, A.C.H. SSDI XXXX insurance coverage from my Lawsuit I have from XXXX, IN I WON my LAWSUIT @ XXXX GA and BankofAmerica wouldn't let me spend my Money like A Grown Woman. For 7 yrs I dealt with Banks, that Stand for their Company, I Won my LAWSUIT not in XXXX Indiana, But Georgia, And I want JUSTICE, and LIBERTY for ALL The AMERICANS Stand For CHRISTIAN COUNTRY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Debt collection

I was called by Wakefield & Associates ( collections firm ) on XX/XX/XXXX and informed I have an outstanding balance of {$210.00} from XXXX XXXX XXXX Hospital. I told them I may have paid it since I just paid several about a week prior. I stated I was uncomfortable paying by phone and needed something in writing before I would consider it. Until now, I had no contact from the original creditor ( XXXX XXXX  ) from XX/XX/XXXX when the original bill was finalized. Given I have XXXX XXXX, this is a common kind of bill I would receive from any of my specialist physicians ' offices. 

I was informed that the original address that was used was my very old address from years ago. They apparently entered my old address as current and put my new address as a " former or previous '' address. As I have moved twice in the past 3 years, the address they used was the oldest and well after any mail forwarding services would have been stopped. Therefore, I could never have been notified in writing that this debt was owed from the original creditor or Wakefield & Associates. However, I was never called by the original creditor or emailed despite those points of contact being updated. I received a bill from W & A by mail about a week later. I researched it and see that it is in principle ( {$190.00} ) my bill, however, I refuse to pay a 10 % ( {$19.00} ) when I had zero opportunity to pay the original bill since I was not notified in any way, shape or form. The debt is also less than 6 months old. Once I was finally able to verify the debt, I attempted to call them several times to no avail. 

On XX/XX/XXXX, I filed a dispute online with Wakefield & Associates regarding the fee amount and did not receive a response. 

I continued to receive phone calls which, as I was able, I tried to answer. Most of the time it was a silent robocall and hung up about 15 seconds later. On XX/XX/XXXX, I was finally able to navigate to their online payments ( which does not have instructions as to how to get to it and I had to search to figure it out ), and I paid the principle balance above. I again filed a dispute for the fee/upcharge/interest at that time. 

On XX/XX/XXXX, I was called yet again and fortunate enough to hear a person after I answered. He not only made collections sound like it was mandatory with no opportunity to dispute, but I corrected him and directed him to the history. I paid the principle, but refuse to pay a collection fee when I was not allowed to pay it prior to that being added. I don't dispute the principle and have paid it in full, but I will not pay a collection fee that is ultimately the fault of whomever entered my new address as a previous one. Surely a creditor can not take a debt and tag on fees before you've ever had an opportunity to hear from the original issuer and go about hounding people almost daily ( most of which are silent calls ), and demand an extra 10 % for their trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, CREDIT COLLECTION SERVIC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Credit reporting or other personal consumer reports

after various attempts i had some items removed off of my Experian XXXX and XXXX report. they were gone for some time and have recently appeared negatively impacting my credit score. there are also accounts showing different information. I've filed several complaints ; you can check my activity log and there you will also find the steps I have taken in the past the remedy the issue prior to this one. there is a lot of incorrect and misreported information and no company in question has submitted a wet signature, or produced documents to me that prove the items are actual. the following is from a previous complaint. the accounts involved are the same for this new complaint. ( ( in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN # and signature. INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX {$640.00} Account number : XXXX Date opened : XXXX ( Previously removed from experian reports ) XXXX. XXXX XXXX XXXX {$480.00} Account number XXXX Date opened : XXXX ( Not possible for me to have opened this account on the alleged Date of XXXX ) XXXX XXXX XXXX {$50.00} Account number XXXX Date opened : XXXX ( Previously removed from experian and XXXX reports ) XXXX XXXX XXXX  {$190.00} Account number : XXXX Date opened : XXXX ( Previously removed from experian and XXXX reports ) XXXX XXXX. XXXX {$640.00} Account number : XXXX Date opened : XXXX Experian XXXX XXXX XXXX {$480.00} Account number : XXXX Date opened : XXXX ( Not possible for my self to have opened the alleged account dated XXXX ) I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Thank you ) ) the following can be used to reference and locate previous evidence which in fact support the new claim XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I went to Transunion XXXX XX/XX/2020 ) to find out what happened to my credit report that lowered my score in the last few weeks. Unfortunately, TransUnion has effectively trapped me into an expensive plan I never sought. 

They asked me for my personal and credit card information without letting me know that I was purchasing a monthly subscription for their credit report. I only found out about the service after the confirmation email was sent. I tried to contact them to cancel the subscription and get the refund but they refuse to do so. This is a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in disputes and also spoke so individuals in the office of consumer affairs about these unauthorized inquries and was told that they could not dispute them and to contact the companies listed which I did and was told to dispute it with the credit bureau.
Product: Credit card or prepaid card

my credit card with Elan was used without my consent to make charges that I never received any benefit for.
Product: Credit card

I made a purchase about XX/XX/XXXX for XXXX. I paid in full the purchases on XX/XX/XXXX. I returned part of the purchase and Macys credited my card account on XX/XX/XXXX in the amount of XXXX. I called the card company I believe XXXX and was told by some very XXXX  customer service rep that they must hold this payment for XXXX business days. I don't know if that is just their policy, but clearly not within legal rights but I could not understand the lady. She sent me to her manager, not much better could I understand, who said almost the same thing but not understanding there was no purchase. After I thought he understood, ( who knows ) he promised me the credit would be mailed but here we are on XX/XX/XXXX and its still sitting on my credit card account. I believe this is fraud on this card companies part, just hold on to a credit and make interest on it. I believe that this is now going back few years ago and the Credit card act of XXXX put an end to this but here we go again.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO MY COMPLAINT # XXXX SUBMITTED XX/XX/2022, THE COMPANY 'S LETTER IS UNRESPONSIVE TO MY REQUEST. EQUIFAX IS IN A WAY THAT IS EXACT AND CLEAR, OBLIGATED BY LAW 15 U.S.CODE SECTION 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION. TO SHOW PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS IN MY FORMER COMPLAINT, SUBMITTED ON XX/XX/2022. SECTION ( B ) OF THAT LAW STATES, THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, AND ( C ) THE CONSUMER IS GIVEN AN EXPLINATION OF HOW THE CONSUMER CAN EXERCISE THAT NONDISCLOSURE OPTION. XXXX IS CLEARLY DEFLECTING FROM THE MY REQUEST AND WILFULLY BREAKING THE LAW IN THEIR RESPONSE. I AM AN XXXX AMERICAN WOMAN WHO IS AWARE OF HER RIGHTS, AND I REFUSE TO LET THIS COMPANY TAKE ADVANTAGE OF ME. I AM DEMANDING PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS ALONG WITH MY NONDISCLOSURE OPTION, ENOUGH WITH THE FILIBUSTERING TACTICS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control LLC XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX They have violated and harrassed me as they are a third-party credit collector and have called my home. several times and I have sent them notices of conditional acceptance to prove and validate that I owe a debt which is a violation of Article I section 10 clause 1 - Gold & Silver as coin only I reiterate, NO ONE TODAY CAN MAKE DEMAND OF PAYMENT IN ANY SPECIFIC COIN OR CURRENCY!!! This Bill of Exchange/Trade Acceptance I send is in accord with Public Law Chapter 48, 48 Stat. 112 and HJR-192 of XX/XX/1933 and the Uniform Commercial Code and is presented for the receiver to the federal Window, for settlement ( EFT ) within the 3 day Truth-in Lending time for settlement. As of 1933 a person has LAWFUL money of account to pay debts at law without becoming a tort feasor. ACCEPTED FOR VALUE and XXXX XXXX XXXX are lawful to discharge debt under Public Law 73-10, HJR-192 of 1933, Title 31 USC 3123, and 31 USC 5103 and by Treaty ; in this case the XXXX XXXX Convention on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX  ) and the XXXX  XXXX XXXX Headquartered in XXXX XXXX. 

I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Product: Mortgage

Shellpoint has continued throughout the last few years to force place hazard insurance although I have provided proof of hazard insurance that is covered through my condominium association and that I pay through my monthly association dues, besides a separate policy for homeowners insurance. I am currently on XXXX XXXX with the federal government and XXXX in XXXX, the XXXX XXXX XXXX assisting survivors from Super Typhoon Yoto. unfortunately, due to my deployment, I am  away from my home for several months at a time and by the time I have my mail forward several months have passed, I am proactive and notify all my creditors on my deployment status. I have all my bills paid through online banking and have every creditor that offers online statements active, I pay my mortgage in advance with a couple of months of cushion in case of a government shutdown. I notice an increase for my XXXX monthly payment by over {$300.00} dollars and immediately contacted Shellpoint, since then I was advised that force-placed hazard insurance was added. I immediately contacted my association and they forward me the condominiums hazard insurance policy I then forward it on XX/XX/XXXX to Shellpoint. It seems that after further research my personal content insurance company XXXX XXXX billed Shellpoint alongside myself for my yearly renewal for my personal furniture replacement policy. As I can appreciate their interest in making sure my furnishings are covered in case of an emergency, this is something I have handled personally for sixteen years since I have owned my condominium and paid the policy in full back on XX/XX/XXXX. I requested my insurance company to reimburse Shellpoint and they have provided a check in the amount of {$1000.00} XX/XX/XXXX. Since then I have been battling with Shellpoint to update my escrow analyst and policy to take off the hazard insurance and credit me for all overpayments owed regarding the forced place insurance since XX/XX/XXXX. I have also sent a written request for Shellpoint to close my escrow account and to no longer pay, my personal contents insurance or any third party company request for payments through my escrow account and they are refusing to do so. I have also filed a XXXX XXXX XXXX complaint. I have also been getting the run around from their customer service department to no fault of their own since my account is not properly noted and they do not have a way to explain to me why my mortgage for the month of XXXX is {$900.00} when my P & I payment is {$710.00} and even if my taxes are escrowed in the amount of {$51.00} should give a total of {$760.00}. Moreover, customer service representatives have paraded me throughout every department insurance, escrow and are unable to answer my questions. Shellpoint wants to continue to overcharge me and act like a savings bank for me to continue to pay them in excess so they can reimburse me months after, I am unwilling and unable to continue to overpay Shellpoint. I ask that they once and for all stop, mal administrating my mortgage seize all request for overpayments sand correct my mortgage payments and close my escrow account.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on the account, they need to be removed because I dont know where they are from
Product: Debt collection

XX/XX/19 to XX/XX/19 services at XXXX XXXX XXXX they ve been paid by medicare except XX/XX/19 XXXX XXXX  billing {$210.00} wasnt submitted the process is ongoing with appeals and VA claims
Product: Debt collection

I received a threatening letter from a law Firm named NYGUEN BALLATO threatening to seize my private property/ garnish my wages using a appellation of my name which denotes a deceased or fictional person that does not even match the name that was on the summons of the original creditor. I have no contract with this entity and they do not have permissible purpose to have my personal non-public information. This legal fiction is trying to use bully tactics to force me into a contract that does not exist. this complaint is being filed against this legal entity because they are claiming that I have a contract with them when I didn't even have one with the original creditor, with full disclosure was nit given to me and all things were signed without prejudice UCC1-308 making any contract null and void for failure to disclose all things in this alleged contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I received noticed from Experian that they had verified the accuracy of Bankruptcy XXXX being reported on my credit file on XX/XX/XXXX. After asking Experian to validate and verify this account, Experian stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore Experian did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from XXXX Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore XXXX did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.
Product: Credit card or prepaid card

I applied for the Barclays XXXX XXXX XXXX Credit Card that included a signup bonus of XXXX XXXX XXXX XXXX  and a {$95.00} statement credit after meeting spend requirements. I met the required spend and received the XXXX XXXX, but did not receive the {$95.00} statement credit. After multiple calls and emails I still have not received the credit. I wish to receive my {$95.00} statement credit.
Product: Vehicle loan or lease

Exeter finance employs predatory lending practices. Loan terms are not explained clearly and provided at a very high interest rate, making the vehicle double the price at the end of the term. It is my opinion their service representatives are trained to use confusing language so they can avoid answering questions to desperate customers who need to finance a vehicle. This is exactly what I have experienced. In fact when questioned, the representative could not explain why by even the terms she was trying to explain, the math did not equate. This is a ploy to confuse customers who are stuck in a high interest rate loan in which they will never. Be able to pay off. None of the payment goes towards the principle of the loan.
Product: Credit reporting or other personal consumer reports

I requested incorrect information to be removed from my credit report and requested complete billing and payment history. I also got a certified copy of a UCC 11 after I did a lien search. It showed I have no active liens. I got a certified copy and sent it to them also. 
Payment history is incorrect as well as former addresses, names etc. There are inquiries on my report that I never heard of. I opted out of them sharing my information also. I have a current UCC 1 filed and accepted by the New York Dept Of State. I am the secured creditor of all my debts.
Product: Vehicle loan or lease

My vehicle was repossessed by Wellsfargo. I was charged fees associated with the repossession and this was reported negatively on my credit report.
Product: Mortgage

To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/XXXX. 
We have been going round & round with Nationstar Mortgage ; who has turned into XXXX XXXX XXXX, since XX/XX/XXXX. We tried repeatedly to get a mortgage modification for months and finally received one in XX/XX/XXXX. We made our 1st payment on the modification and 2 days before our 2nd payment was due, we received a letter stating that there was a signature missing on one of the pages. They were going to send me the page that hadnt been signed and told me not to make our 2nd mod.  payment until the error was corrected. That is where the nightmare with them started all over again. 
I continue to have the same problems & issues with Mr. Cooper as I always did with Nationstar. I have sent 2 ( two ) complete RMA Packages to them and its always the same old thing ; didnt receive, pages missing, can you resend, etc. 1024.41 ( b ) Receipt of Loss Mitigation application - A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. 
They have now scheduled a notice of sale for XX/XX/XXXX. We have done everything over & over to try and avoid this from happening again but they seeming are steering our property into foreclosure for what I feel is their own monetary gain and total disregard for us losing our home that we love. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) XXXX Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to protect mortgage borrowers from costly surprises and runarounds by their servicers. 
How is it that we are in foreclosure again when we have been sending and resending paperwork in to get the modification reinstated that got off track because of one missing signature? XXXX ( g ) Dual Tracking is prohibited. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure, borrowers shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. 
They now tell me there is nothing they can do to postpone the sale date or modify the loan. Mr. Cooper Mortgage continues to violate the Dodd-Frank Consumer Protection Act. They have dual-tracked my mortgage while avoiding an opportunity to work out something rather than foreclosure on us. 
Please help us postpone the sale date of XX/XX/XXXX.  We would be devastated if they were allowed to foreclose on this property. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report that I didn't authorize XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Elan XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX of XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

Citibank fraudulently closed case XXXX XXXX  by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true