23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and TransUnion that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.
Product: Mortgage

I refinanced my home with XXXX in 2006 for {$250000.00}. XX/XX/XXXX I was in a financial crisis, so I got a loan modification with them. The payments were lower after the modification which. Is what I was looking for. Right after I got the modification, XXXX sold my mortgage to Greentree. Now that I am with Greentree I am seeing nothing but trouble after going through my loan paperwork. I found a HUGE mistake! 
My loan with XXXX XX/XX/XXXX was for {$250000.00}. After they sold it to Greentree, the balance was {$280000.00}!!!!! I never even caught any of this until I was going through my loan paperwork just recently, Can you tell me how in the world I have a higher loan balance now?!!?!!! Someone has added in just a couple few thousand dollars ( {$29000.00} ) without me catching it!!!! 
Can you please tell me why I have a higher payoff amount now that it was sold to Greentree?!?!?? When looking at my Greentree statement, it shows a principle balance of {$250000.00}, then it says ( not payoff amount ). What in the heck is going on?!!!?!?! 

Why do I have a higher payoff amount after XXXX transferred to Greentree? A lot higher! 

Another thing I am ticked off about is that Greentree is charging me all of these late fees for now reason! And when I used to make payments over the phone ( which you can no longer do ), they would say that I had to pay a certain amount for paying over the phone! I would sit and argue with them telling them that I do n't get charged for paying over the phone. Then they would act like it was a mistake and say, " oh you are correct, Kansas does not have a charge for paying over the phone ''. 

Another thing is that I have been paying online. As long as it is made by XX/XX/XXXX, then it is not late. Well, I have made several payments on XX/XX/XXXX and marked for it to be on XX/XX/XXXX. After reviewing my bank statements, they never put the payment through until several days later, therefor creating their own late fee! 

Honestly do not see how these rotten people are getting away with stealing everyone 's money! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

On XX/XX/23 I sent, via certified mail, a letter to receive debt verification from Resurgent Capital/LVNV Funding for 2 debts they are reporting on my credit report. The letter strictly stated that I wished to only be contacted by email. Yesterday, I received their debt validation letter, which only is not adequate debt validation in my opinion, but they sent it to me via mail rather than email. Mail is not a convenient way to contact me! I know that this is FDCPA violation and I could demand a settlement for this, but ask that they please just remove the items from my credit report and cease all collection activity for the account with XXXX XXXX  a reference number XXXX as well as reference number XXXX with the original creditor being listed as XXXX  XXXX.
Product: Debt collection

I got home from work on XX/XX/2015 and my wife gave me a message that a debt collector named XXXX from XXXX XXXX called my mother in laws house. She had told my mother in law that she needed to talk to me about repossessing something. I called the number immediately and left a message saying i was very upset about her phone call and to give me a call a.s.a.p. I got a call from XXXX the next day around XXXX, she was instantly hostile towards me about the message I had left and called it " XXXX '' and then proceeded to harass me about my debt that I owe on a jewelry credit card. she told me i was a loser for not paying for my wife 's jewelry and asked me sarcastically " how old are you ''. She also told me that she was going to get a police escort, find me and take back my wife 's jewelry, she said she already had my mother in laws contact information and was going to start there. she continued to belittle me and after trying to explain that I had lost my job and gone through some major family issues she told me she did not care and to start paying my bills before the cops come looking for me. After hanging up on me I called back to see what I could do to not have some weird people or the cops knocking on my Mother in laws door. she told me she had already submitted the claim for repossession but she might be able to work out something and she would call me back. when she called me back she gave me some options that I could not do and I said " i guess you have to do what you have to do ''. After that I called my mother who has been in XXXX for almost XXXX years and told her what had happened. She immediately told me she had broken all sorts of laws ( ex. not telling me that the call was being recorded, abusive language, talking to a third party about my case ) and that I should call the jeweler to make sure that it was not a scam because XXXX from Summit Receivables was very unprofessional and if it was not a scam that I need to file complaint with the CFPB. I called XXXX from Summit Receivables and asked her for her name and other information about her company, she refused so I told her I was filing a complaint with the CFPB and she proceed to laugh at me and tell me to just shut up and pay my bills then she hung up on me again. I called the jeweler and the sent me to XXXX who was taking over the debt. XXXX from XXXX was very helpful and filed a complaint with his company and agreed that what had happened was very unprofessional and XXXX had broken alot of the guidelines debt collectors have to follow. XXXX also told me that the whole " repossessing '' thing was a lie and the companies name was Summit Receivables and not XXXX Repossessions like XXXX had told me. My biggest thing in all this is I understand I have a debt that is unpaid but alot of uncontrollable circumstances went into me not being able to pay that debt. if you look at my past payment history it was flawless. XXXX was abusive and humiliated me to my mother in law with lies about taking jewelry away from my wife. people like this should not be allowed to have jobs like this if they have 0 people skills and 0 selfcontrol
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquires to be an error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

15 U.S.C. Sect 1681 ( FCRA ) Experian claimed to do an investigation on the matter for me to try to validate the inquiries, but they couldnt so PLEASE remove these inquires from my consumers credit report immediately.

If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1. ) Name and title of the person who pulled my credit. 2. ) Date they purport that I gave permission.

3. ) Method they purport that I gave permission. Please include documentation of said permission.

Under the Fair Credit Reporting Act 15 U.S.C. Sectl 1681 G I have the right to " DEMAND '' that you disclose all the documents that you have recorded and retained in your files at the time of this request concerning the accounts that are reporting on my credit report. 

The information that is being reported on my consumer credit report is Inaccurate and this is unfair. According to the federal law 15 U.S.C. 1681 Consumer reporting agencies grave responsibilities are to report with fairness, impartiality, and respect for the consumers right to privacy. The information must be accurate. According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate credit reporting. Also according to Permissible purposes of consumer reports 15 U.S.C. 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this complaint must be deleted and updated IMMEDIATELY or i will seek monetary damages in small claims court in my city and state.
Product: Money transfers

This is an issue with MoneyGram online service. 
I made a transfer of money to XXXX from USA, {$50.00}. Moneygram webpage informed me of a fee {$4.00}. if I use my credit card. 
When I received my bill from credit card, there was an additional fee of {$10.00}. 
When I called the bank they told me that MoneyGram coded the transaction as cash advance, and as such there should be a fee of {$10.00}. When I called MoneyGram, they read me a disclosure of a recent change in agreement between MoneyGram and Credit cards Association stating that the transactions between them will be charged as cash advance not as credit card transactions. Nowhere on their website there was a mentioning of that. I believe it is a breach of law. Because each ATM has a legal disclosure of a fee when I used my credit card as a a cash advance. MoneyGram must inform a customer of the fact that a credit card transaction will be billed as a cash advance with an additional fee. When I called the MoneyGram escalation department, they refused to acknowledge the situation
Product: Credit card or prepaid card

Hi, First, I am a victim of hurricane IAN and lost my home and car and currently displaced 2.5 hours away from home. I have explained this to synchrony bank, in which I have several cards with them and have not been late, even with the devastation I've gone through. They have sent me a notice today at XXXX that my credit limit on my car care credit card has been dropped from XXXX ( I believe that's what it was, down to XXXX ) ..for no reason, I have paid it down from XXXX to XXXX and then they did this. A month or so ago, they also did this to my lowes card. Their reason stated is that I have a recent real estate delinquency and haven't paid down enough of my mortgage loan in the slotted time frame, however, my mortgage is in forbearance due to the hurricane, while I wait for repairs, they accidentally reported it to my credit as delinquent, they have retracted it and I disputed it, but it's takes at least 30 days before coming off and I just purchased the XXXX XX/XX/2022, then the hurricane hot in XXXX and went into forbearance, so of course I haven't paid as much but when I was paying it, I was never late. I am fixing my credit from the mortgage mistake, in which I also have an email from them stating this. I am also TRYING to pay down my credit as I had to use it when this all first happened.but again, I've never been late on any of them. You can look and see if have 100 % payment history and once I'm situated back in my home, I will begin my mortgage payments again.however, they are making my credit worse by dropping my limits. None of my other credit cards have down this only synchrony. I would love to close them all from synchrony because they have treated me so horribly but again, that would hurt my credit.can you please help me. I have tried with them and they don't care. I could see if I was late and not paying, but I am and the fact that they did this as soon as I paid it down to XXXX is disgusting.that was a real low blow. They don't even call a client to see why the issues are, such as my mortgage issue, that was not my fault, it dropped my score and now I'm waiting for all 3 credit companies to remove it, I also couldn't help that I had to use a lot of my credit cards to survive for a bit but again, they are paid ..all of them, on time. Even the car that was ruined and is now undrivable, I still owe on it but I'm paying it. This is just horrible and I can't have this added stress of a credit card company removing limits for no reason, dropping my credit score.more on top of being homeless right now. This is such another example of how bad this world has become when it comes to humanity. Taking advantage and slamming people in devastation.please help
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Delaware Laws Dear SANTANDER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws, specifically under Delaware statutes . 

It has unequivocally come to my attention that SANTANDER has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Delaware identity theft laws highlight the importance of consumer consent and the protection of personal information. The Delaware Identity Theft Protection Act, codified under Title 6, Chapter 12B of the Delaware Code, emphasizes the protection of consumer information and prohibits unauthorized access or misuse of such data. Any unauthorized reporting or misuse of my personal information not only violates federal FCRA provisions but also infringes upon the consumer protection standards enforced under Delaware law. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Delaware identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Delawares identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Delaware state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Prepaid card

American Express eGift cards are not usable on any major platform including with vendors they state it can be used with. Their customer service is not helpful nor do they give information to resolve the matter. Their instructions of adding your personal name and address upon check out does not work with vendors and causes payments to be blocked. I am unable to use the gift card gifted to me by my employer. American Express eGift cards can not be used in a way that they are advertised and listed as being able to be used due to the way they are set up. If used the way they are instructed to be used they will trigger a blocked payment. I am also unable to add the gift card to my digital mobile wallet due to the nature of the gift card product despite it being listed by American Express of being able to. There is no way for me to access the funds at all.
Product: Debt collection

on  XXXX   XXXX    XXXX  , I receive a mail from my bank state that I have a court order levies on my account, for the amount of  XXXX  of outstanding principal remains due and unpaid., assigne to whom this debt is owe i s ( palisades collection, llc ) J UDGMENT DATE  XXXX  .th  e sc am by the collection agency is using my old address @ the court in  oder for me  not know about it, until now he come after m e, 1 ] fo r a 10 years plus debt, I want to have a full detail of that debt, and how debt was made, and also how much  palisades  collection .llc paid for it. from who he brought it from?     XXXX   XXXX    XXXX   XXXX  of  XXXX  index  XXXX  plaintiffs palisades collection, llc defenda nt,   XXXX   XXXX    INDEX   XXXX
Product: Student loan

Discover Student Loans used me as a co-signer without my Authorization. I was unaware of the situation until the missed payments on the loans and Discover reached out to me for payment. I had a conversation on XXXX XXXX XXXX ( they won't give their last names ) where she gave me the following information on the loans : 1st Loan XXXX opened XXXX XXXX current balance is {$10000.00} balance as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  current balance is {$4900.00} balance as of XXXX XXXX XXXX XXXX XXXX I asked how the Discover loan officer and the borrower could use my information without my consent. Discover would like me to open a police report and file a civil lawsuit. I am more concerned about how many victims are going through what I am going through regarding inadequate processes at Discover Student Loans to obtain approval. It's similar to the Banks XXXX XXXX XXXX XXXX XXXX XXXX  etc. ) opening up accounts without the owner 's consent. I called to follow up today, XXXX, and spoke with XXXX ( they won't give their last names ). She told me that XXXX was the investigator assigned to my case and was told to file a police report and resolve the problem in civil court. I asked to speak to a supervisor, and no one was available to escalate the situation, giving me no choice but to file a formal complaint with the attorney general of Utah, as the corporate office is located in Utah. I genuinely believe that I am in the situation I am in right now due to the lousy process and procedures being allowed to get loan approval at Discover Student Loans. 
This is becoming an issue now as it will prevent me from purchasing a new home. 

I have also reached out to the Attorney General of Utah with a formal Complaint.

the investigator recommended I open a complaint with the FTC which I am doing now. they also mentioned " XXXX refused to speak with me without you on the telephone. I am still trying to get some information regarding your account. According to the person I spoke to, the telephone I gave them XXXX XXXX XXXX XXXX  does not relate to any loan in their system. they will attempt to send a second letter to XXXX and we'll see what happens. '' it's funny how Discover student loan tells the investigator that my number does not come up in the system while they call me to collect every other day.
Product: Mortgage

My property taxes are being paid through the mortgage company through an escrow account. They underpaid my property taxes for 2023, and I kept receiving delinquency notices from the XXXX XXXX XXXX. I called once, they told me not to worry about anything, payment would be taken care of. I kept receiving notices and finally, did research and digging into what was going on and realized that my mortgage company, XXXX or ServiceMac ( I don't even know because my mortgage keeps getting moved around and the website vs documents have different names ) made an underpayment. Was supposed to be {$9100.00} and they paid {$7900.00}. I spent an hour on the phone with the company, they seemed clueless, requested to be put in touch with a manager, no one was available. I don't know when this will be resolved, they told me to get in touch with them in XXXX business days, which is ridiculous. I shouldn't be the one having to check if payment was made on my behalf, this should be an automatic process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am submitting this complaint without error or influence of any third party agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent a letter to Equifax about these unauthorized inquires that i didn't authorized and its hurting my score and keeping me from getting things that i need.i sent it usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I am deeply devastated about a collection account that is reporting on my credit report. These accounts are invalidated unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. There are numerous unauthorized addresses, names, and accounts on my credit report MIDLAND CREDIT XXXX creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX . is one of the accounts that needs to be investigated. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXXXXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.