23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I sent a letter to Chase disputing a credit card debt and made an offer of settlement. I sent the letter to the address on back of my monthly statement that was solely designated as their " dispute '' address. The letter was received as per the USPS certified mail receipt. I included a check in the amount of {$1900.00} as and offer of settlement. On the check I wrote " PAID IN FULL BALANCE XXXX ( XXXX ) IF CASHED. In addition, I disputed late payments reported to the credit reporting agencies that were in dispute also. Chase cashed the check and continues to send me statements. The most recent statement has a " new balance '' of {$2000.00} and is due XX/XX/2020.
Product: Payday loan, title loan, or personal loan

I am a legal resident of Texas and my vehicle is registered with Texas. I am also a 100 % disabled Veteran that is going through some really difficult financial strain with my fixed income from only the XXXX XXXX. 
I have spoken to my creditors about this situation and have asked for a little leniency while I get myself in better financial stability. This was not offered or respected from this company as they elected to have my only means of transportation repossessed for being 30 days late on a payment. I had to deliver a payment of {$730.00} ( {$320.00} for current and late payment, fee of {$9.00}, and {$400.00} for repo ) on a budget that is not forgiving of any mistakes. Having no vehicle would mean a loss that I would not recover from financially, so I paid what they asked. I am now on the verge of being homeless and my credit is shot so finding another apartment is extremely difficult. 
Also, under Texas law, I am given protection from seizure by a creditor one vehicle for each member of the family with a driver 's license. I have no idea on how to deal with them when I try to discuss my options, to them it's pay-up or repo.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thank You
Product: Credit card

i have received a phone call from a company called XXXX- they are located in California- the woman who i spoke with was XXXX -- she stated the call was for an old HSBC credit card. the card was around XXXX her attorney fees were XXXX -- they are going to file judgement agaisnt me in the state of CA, put a lien on my vehicle, and garnish 25 % of my wages. i was very concerned and asked a lot of questions i dont remember having the card- she said was from XXXX when i asked for more information she got upset and hung up on me. i called again today to get more information she said creditors can garnish wages if i dont pay my bills -- she mentioned other debts that i had and said i dont pay my bills -- she said i was wasting her time. when i called back again to get more information on the " garnishment '' she said they were going to do what they have to and she was not going to deal with me. she hung up on me more several times after i just tried to get a mailing address and more information about her and the company she was calling from. i think they may have blocked my number after a few attempts. i asked to speak to supervisor they either hung up on me or transferred me to a voicemail. when i called back to get the name of the supervisor they just transferred me back to a voicemail which doesnt have a name just an extension.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the continuous harassment by Transworld in relation to a debt that I have repeatedly explained is the result of identity theft involving my Fanduel account. Despite providing written documentation from XXXX, confirming that the debt was incurred as a result of a data breach and identity theft, Transworld persists in their efforts to collect this erroneous debt. 

Here are the details of the situation : Account Information : Creditor Name : Transworld Account Number : XXXX Debt Description : Debt Collection for a Third Party Explanation from XXXX : On XX/XX/2023, I discovered unauthorized transactions on my Fanduel account, which raised concerns about potential identity theft. 
I promptly contacted XXXX and reported the suspicious activity. 
XXXX initiated an investigation and confirmed that the debt in question was indeed the result of a data breach and identity theft involving my account. 
They provided me with written documentation, including an explanation of the breach and their commitment to resolving the issue. 

Continuous Harassment by Transworld : Despite providing Transworld with documented evidence from XXXX explaining the origin of the debt, Transworld has continued to harass me through phone calls, letters, and other collection efforts. 
I have informed Transworld on multiple occasions that the debt is not valid, but they persist in their attempts to collect. 

Impact on My Well-being : The constant harassment by Transworld is causing significant distress and negatively affecting my financial and emotional well-being. 

I have attached copies of all relevant correspondence with XXXX, including their written confirmation of the identity theft and data breach. Furthermore, I have maintained a record of the continuous harassment by Transworld, including dates and details of their collection attempts. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate actions to cease Transworld 's unwarranted collection efforts. Additionally, I request that Transworld be held accountable for their actions and any violations of consumer protection laws. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will work to ensure a swift resolution. 

Please do not hesitate to contact me if you require any further information or documentation to address this issue effectively. 

Sincerely, XXXX XXXX
Product: Debt collection

Company calls and does not provide name. It is a robo call that says I will " be sued on my social security number if I do not call immediately. '' I called them back quickly. Original calls receive two years ago from same company claimed it was on an XXXX debt 16 years old, new calls claim its on a Capital One debt 3 years old. When I questioned them, they said yea Capital One took over XXXX. They say I can pay them now or be embarrassed when the sheriff comes to my job to visit me. They used my old married name from 4 years ago and not even my current name so it can not be 3 years old. I do not and never had a card from XXXX. I even pulled a credit report first time they called. Nothing shows up at all for this collection agency nor the creditor that I claim to owe. I asked them to stop calling and they said fine then we will have the sheriff come visit you. They are aggressive on the phone and when I ask questions they say you know you owe money, cut me off mid sentence and tell me to pay. Last time they called me a dead beat.
Product: Mortgage

Dear Sir/Madam, I would like to bring to your attention the following ; I have a mortgage loan which was acquired by the Statebridge Company from XXXX XXXX a few years ago. While with XXXX XXXX I have incurred some late fees. These fees were transferred in this acquisition to the Statebridge Company, but not incurred while with the Statebridge Company. I have NEVER incurred late fees while with the Statebridge Company. Recently, I have noticed in my billing statements, a notice stating that my mortgage payments will not be applied to my principle amount until those late fees are paid up to date. I never agreed nor signed anything giving the Statebridge Company permission to do this. I find this unacceptable since monies not being applied to my principle causes the Statebridge Company to gain more interest, since interest is compounded on its principle amount daily. I have had to write several complaints about the Statebridge Company so, I did a search and saw several others had similar complaints with Statebridge in the past. While I understand that the Statebridge Company would like to collect those fees at its earliest, I dont understand how they feel they can rewrite or churn my loan agreement at their convenience. Therefore, I will be sending out several letters to several entities as to this practice from the Statebridge Company. Please look into this and let me know of your findings. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards, auto loan accounts, personal loan accounts and auto loan accounts opened as follows. XXXX XXXX XXXX XXXX loans on XX/XX/XXXX Acct XXXX ), XXXX XXXX XXXX  XXXX accts on XX/XX/XXXX ( Acct XXXX ), XXXX XXXX XXXX XXXX  on XXXX ( ACCT XXXX ), XXXX XXXX XXXX accts on XXXX ( Acct XXXX ), and XXXX Members XXXX XXXX  accts on XXXX ( Acct XXXX ). 
I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Our address was updated to our mortgage company on XX/XX/2023. They acknowledged this in writing, and it was correct on our online portal. 

The mortgage company sent the XX/XX/XXXX billing statement to the old address, as well as the subsequent letters about a missed payment to that old address. 

We have auto pay, however there was an error in payment. We received no notice of the error so didn't realize it had occurred. 

We wrote to them telling them about the error, and they said that since they tried contacting us via phone ( no voicemails were left to our knowledge ) that they can't do anything. 

We believe that since they are required by Federal Law to provide written notice of billing statements to us, that they should remove the late payment from our credit, as it was resolved once we got notice of it. They acknowledged they sent it to the wrong address, and we have written documentation showing that they sent to the wrong address. 

Furthermore, the next month they didn't send the statement until XX/XX/XXXX, which, given a few days to mail it, would have arrived almost after a late payment would have been applied. We believe that these practices are not allowed, and should be rectified, and not ruin our credit. Thanks.
Product: Mortgage

In XX/XX/2021 I received a letter from Wells Fargo ( holder of my mortgage ) stating that escrow was low and I could either pay the shortage now or have my payments raised. I paid the amount requested in full, {$72.00} on XX/XX/2021. Everything seemed in good order. 

Yesterday, I noticed that Wells Fargo has raised my mortgage cost despite paying in full. The XX/XX/2021, auto withdrawal was {$800.00} ( paid twice per month ) vis-a-vis the authorized amount of {$800.00} ( twice per month ). Granted, the amount is small, but it is the false claim that is the problem. I called to enquire about this new charge and was first greeted by a woman telling me this recorded call was to collect a debt. I have never missed a payment, nor been late, there is no debt. I was transferred numerous times, all Wells Fargo staff acknowledging the full payment for escrow shortage paid but stating cost would rise regardless. This is untrue. I had a conversation with a woman at Wells Fargo when I received the letter, told my home insurance had gone up, and decided I would pay in full rather than see a change in payment. 

I believe they are double-dipping in my escrow account. I was told someone from their executive office would call me, but that has not happened and nothing has been rectified.
Product: Mortgage

We recieved a check from our insurer for hail damage for approximately {$130000.00}. The check was listed our mortgage company ( Penfed ) as an additional endorsee. The damage impacted the primary residence, a pool, a detached garage and a metal outbuilding. We determined the pool and metal outbuilding did not need to have the repairs completed as they were fine in their current state. We communicated this via letter to the mortgage company indicating that we would endorse the check over to them if they agreed to us not repairing those XXXX items and if they agreed to immediately release he funds ( approx {$65000.00} ) for those XXXX items to us. We informed them if they did not agree then we would simply pay off the remainder of our mortgage and then have the insurance company issue the checks to us without their endorsement. They approved the letter and communicated that they had done so. 

We then relied on that promise and endorsed the check and sent to them. They are in possession of the funds. When I called to check on the status of the check I was told that they would not be paying out the $ XXXX as promised and instead would just be following their regular process of releasing a percent of the total as repairs are completed. I informed them that is not what was agreed to and we had relied on their promises. 

I have called back multiple times and spoken to multiple individuals who appear to be low level call center employees. I continue to be told there is no supervisor or manager available, I continue to be promised to receive a call back ( yet never do ), and now Im told that it is in corporate but there is no one in corporate I can speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Infiniti Finance on XXXX XXXX reported late payment to my wife 's and my credit history. Actually we are not responsible for the late payment. As per the deal the dealer gave they were supposed to pay the first two payment : the one that you pay during the signing of the lease and the second one which is the one that will be officially billed by the finance department. Dealership forgot and I came to know about this when I went online to pay my bill from XXXX XXXX which I am supposed to pay. The dealership owned up the mistake and paid the one they had to pay. Infiniti finance refused to update the incorrect credit reporting and asked me to submit proofs for all this. I called in created a ticket with customer service and submitted the required docs. Processing time is 6-8 weeks and they don't send you an email with decision you have to keep calling and they will just close it after they make a decision. Since XX/XX/XXXX to this date XX/XX/XXXX I have opened multiple tickets with their customer service. Each time they bring up new issue with the documentations. ie lets say there are five things they wanted in the body of the letter they tell one each time they reject. And finally, one of the customer service agent himself dictated the body of the letter to me so that the dealer can print this in their letter pad and then I can submit it. Now they rejected that also. The dealership clearly states that it was their fault etc but they just will find new issues all the time. As I am typing this the customer service agent I am working with is trying to come up with new wording to cater towards the new rejection reasons from infiniti finance. They are just so painful and so irresponsible. I am not sure why they have to do this even when their own customer service agents says they can not figure the reason why they keep rejecting the letter or the plea to correct the incorrect credit reporting. 

Now latest rejection reason which they didn't tell when they rejected before is that they want the dealership to put in the letter why they made a late payment and why they are agreeing to pay it on my behalf. 

Similar is my experience with another ticket I have with them. I got a parking ticket and I paid on time. They paid it again after I paid it without consulting me. And now they have not recouped the money from the city for months now and I will have to pay the same amount again to infiniti. 

Their investigation takes more than 30 days, I am not being notified of the results, there is difficulty submitting or get details of a dispute etc. I need somebody to help me. They make you feel helpless. Because of this incorrect reporting I got rejected for my wife 's student loan refinancing and finally when we got a refinancing we got a lower rate than we should have as because of all this my credit score went down from 800s to lower 700s.
Product: Money transfer, virtual currency, or money service

The purchases took {$200.00} from my checking account. And I will not return it.
Product: Mortgage

I have applied to CitiMortgage for a loan modification. My loan is an adjustable that was interest only and the home is underwater. The reset and fully amortized payment is more than double the present payment. I applied for a modification with CitiMortgage and was granted a trial period plan with a payment 50 % higher than the present payment. In the Trial Period Plan Notice on page 5 it states the calculation of the new monthly payment is based on 31 % of my earnings but it is over 40 %. When I called CitiMortgage after I received the Trial Period Plan Notice on XX/XX/XXXX I talked to my account specialist XXXX and he said he would escalate to the Executive Response Team and they would contact me and on XX/XX/XXXX XXXX XXXX from CitiMortgage contacted me. When I related to him that the math did n't add up he said they do n't make any changes and I would have to reapply. He said he would email the modification application that day. I never received it. On XX/XX/XXXX I emailed and requested again-no reply. I scheduled a phone call with XXXX XXXX on XXXX XXXX and he said he would email me the package. I did finally received the email and on XX/XX/XXXX I emailed back all the requested items. I had not heard back and I grew concerned and I began emailing XXXX XXXX for status. No reply. I scheduled a call with another person from the Executive Reposnse Team and I was a ssigned to XXXX XXXX who explained that XXXX XXXX was having trouble with his emails-4 weeks? - and this file was now assigned to her. She said that nothing was done on my application that was submitted on XX/XX/XXXX. It was received but XXXX XXXX did not submit it. XXXX XXXX was not encouraging but I requested that my application be looked at-this is n't right. I 'm getting the runaround. Everything that has been requested from me has been delivered on time. XXXX XXXX sent me via email another application for a modification on XX/XX/XXXX. I sent it back immediately to XXXX XXXX and to the CitiMortgage website and to CitiMortgage email address. I emailed XXXX XXXX for a confirmation of recipt of my email but have received no reply. I am concerned that my application is not being reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was included in the bankruptcy, I have been requesting for the proof of validation and the result of the investigation. I also sent several complaints and asking for the result but until now I never receive any response.
Product: Debt collection

The below information is being reported to my credit report and is not correct. The company also has broken HIPPA rules by disclosing private health information to the public. I do not owe this company any money, I requested information and signed itemized invoicing to prove such amount owed. Too date nothing has been sent and adverse information is being reported to my credit report.

ADVERSE ACCOUNTS Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

RECEIVABLES MANAGEMENT PARTNERS LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$190.00} Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Past Due : {$190.00} Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION<
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent inquiries and bad accounts reporting late payments from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX