23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receice a call from Porfolio Recovery ( XXXX ) every day from XXXX to5 time a day. I keep telling them that the person they are calling is not me. They say that my tel. no. Will be removed. The call keep coming.
Product: Checking or savings account

I have a business checking account at BB & T. On XX/XX/2019, I attempted to deposit a check into my account and I received a message stating that I was over my monthly mobile deposit limit. I was confused because it was the first of the month and I had not deposited any checks since the previous month. I called BB & T and they said that I couldnt deposit checks into business accounts via the mobile app even though I had done that before. 

I was instructed to open a personal account, into which I could deposit checks via the mobile app. I was told that if I opened the account online I would have immediate access, that I could link my personal and business accounts, and immediately be able to transfer money between them. 

On XX/XX/XXXX, I opened my personal account online. Though I successfully opened online, I did not have online access as I had been promised. Because I was traveling in an area where there were no BB & T branches, I could not go into a branch until XX/XX/2019. In the intervening time, my business account became overdrawn. I had the money in my personal account to bring it back into the black, but BB & T could not make the transfer until I went into a branch. During this time, I incurred an astonishing {$320.00} in overdraft fees in my business account because I had no way of transferring money between the two accounts. 

When I went into the branch, I met with XXXX XXXX in XXXX XXXX County, Florida. She investigated the accounts and told me she would link them and that I would have online access in XXXX hours. The online access still never material, I was not able to transfer money and I received an additional {$36.00} overdraft fee. This brought the total to {$360.00} in overdraft fees. 

I had only opened the second account on BB & Ts advice ; I could have had my customer send a bank wire directly into business account in the first week of XXXX to keep the account positive. My TOTAL deposits between the two accounts was always positive. 

I requested a refund and was told they would not refund any of the fees.
Product: Mortgage

Hello,Company: Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  OH XXXXDate: XX/XX/2019Amount: $XXXXI purchased my home In XX/XX/2019.  The loan has transferred twice in three months, from XXXX to XXXX XXXX XXXX (XXXX), and now to Shellpoint Mortgage Servicing.I made one payment to XXXX, one to XXXX, and just paid Shellpoint on XX/XX/XXXX.  Shellpoint shows no record of my payment, although I paid through XX/XX/XXXX XX/XX/XXXX via XXXX XXXX XXXX.  XX/XX/XXXX sent the payment to their electronic account on file with my Loan Account Number documented.- I have provided XX/XX/XXXX Proof of Payment--as requested from Shellpoint, with still no resolution.- I have called Shellpoint multiple times, on hold and unable to get through- Shellpoint forces me to leave a message, and I have never been called back- I messaged them via email and secure login, and still no resolution despite submitting documentation
Product: Credit card or prepaid card

I opened up a Wayfair credit card in XXXX. I made {$370.00} in purchases. In XXXX, I made purchases of {$420.00}, and XXXX XXXX. Total amount of all purchases equal {$2500.00}. Between the months of XXXX XXXX I made {$1200.00} in payments. The amount owed on purchases before I returned an item should total {$1300.00}. I received a statement in which my CC shows I owe {$1400.00}. They show the credit of the returned item of {$380.00} however the math does not add up to what I show the balance to be. The account balance should be {$950.00} as of XX/XX/2023. I spent XXXX hours on the phone with customer service asking how its possible if total purchases {$2500.00} in purchases minus {$1200.00} in payments equals {$1400.00}. I was advised it was due to being billed after the billing cycle had ended. Math is math. I returned the item and Wayfair is not giving me credit for the total payments made to them to date.
Product: Prepaid card

I'm not able to use the gift card online or local shops.
Product: Credit reporting

I have not been able to obtain my credit report online from transunion. When I origonally applied on annualcreditreport.com I obtained reports for XXXX and XXXX, but transunion said that the report was not available online. It said that I would receive the report through the mail. Transunion sent me a letter issued on XXXX/XXXX/2015 that stated that my credit report was not available due to " Disclosure Request - Proof of Current Mailing Address ''. I tried to speak to someone today, XXXX/XXXX/2015. It took me over three hours to maneuver their system until I could speak to a representative that spoke English as a first languge. Once I spoke to that person my issue was explained and resolved in less than ten minutes. I have no particular issue with foreign call centers in general, but the language barrier was the main reason I was frustrated in my attempts to make a simple transaction in a timely manner. I spoke to no less than XXXX different associates, and was channeled to at least XXXX different numbers before resolving my issue. This is absolutely unacceptable. The Consumer finance protection acency was created precisely to deal with these kind of issues. I would have a hard time believing that these barriers do n't exist with the purpose of creating frustration for consumers. Several times during my ordeal I was offered financial products. I 'm sure that many individuals agree to purchase these produts rather than continue in the endless series of loops and hoops designed to wear you down.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

Received a mail offer from SoFi of up to {$98000.00} to consolidate debt. I was preselected to receive up to that amount and maybe more. I applied for less than that amount and was denied. My credit score was over XXXX. 
When I contacted them they only checked to see that I was supposed to receive the offer. They also told me I would have to apply with one of their other companies at higher rates ( bate and switch ). Then on top of that I later received the same type of offer for up to {$93000.00}. 
I am including the offers and looking at the offers I feel they are false advertising and have udaap problems with this type of offer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from a Remitly rep to confirm a transaction someone tried to make in my name. I explained to the rep that I didn't make the transaction and someone hacked my account. I asked the rep for more info and the rep hung up on me. I also discovered that I received emails from Remitly stating that have been several other attempts to hack my account from different countries. 

I emailed my concerns to Remitly and asked for more information but they ignored my questions and stated that they didn't see any evidence that my personal information has been compromised and that they closed my account as a safety precaution on XX/XX/XXXX. They also stated in the email that this is their final response to the matter. 

I emailed them again on XX/XX/XXXX that the rep I spoke to told me that someone tried to initiate a transfer using my account and that my questions weren't answered. They responded by saying that there isn't any evidence that my account was compromised. 

I responded to the email stating what the rep told me over the phone and that I have emails showing that there have been several attempts to hack my account. Remitly responded on XXXX  stating that my account was closed for suspicious behavior and that this is their final response regarding the matter. 

On XX/XX/XXXX I sent an email stating that I'm not satisfied with the responses I received and asked which arbitration company that we can agree on to resolve the matter. They haven't responded to that email as of today XX/XX/XXXX. I also called and spoke to a manager named XXXX who promised that she will escalate the matter and have someone contact me by email within 24 to 48 hours. She also stated that they don't have any record of a rep trying to call me when I received the initial phone call. I also had to press her to give me clear answers. 

As of today XX/XX/XXXX I didn't receive and email from Remitly as promised. I also received another email from Remitly stating that someone logged into my account despite them stating more than once that my account has been closed/suspended.
Product: Debt collection

I checked my credit about 2 years ago and found a collections for XXXX. I called and the conclusion of the conversation was that this was not my bill. I never lived in the address that the service was provided, and so it was taken of my credit. I checked my credit on XXXX XXXX and there it was again, but now it 's Southwest Credit. I tried phoning but it said that this number was not taking calls right now. I deputed the debt with XXXX and was told that this is a correct debt and I owe the amount. The funny thing is I never received any kind of collection bill from Southwest Credit until I desputed the debt and then within 1 week of the result from XXXX I received the first bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Product: Student loan

I recently received a letter from Navient informing me that my loan terms had changed. Navient, without my consent, automatically changed my repayment plan from a 15-year plan to a 25-year plan. The change to a 25-year repayment plan would have more than doubled the amount of loan interest I would have had to pay Navient. What concerns me is Navient did this without my consent. If I had trouble making payments, and called Navient to extend my terms this would not be an issue. However, for someone capable of making the payments, and even being able to pay off the loan in full this is very disturbing. Student loan companies should not be able make such changes without getting written consent from the loanee prior to changing loan terms. I find Navient 's practice deceiving and harmful to the consumer.
Product: Mortgage

Specialized Loan Servicing Crooks ... .. My husband passed away in XX/XX/XXXX. I found out loan was in default and paid it current for 16 months at XXXX a month. I have tried to contact them to no avale ... the loan is his only. I am not on it, couldnt talk to me no authorization. All mail went to PO Box I had no access to. I sent letter to modify so I could afford and keep house. I quit paying when could get no information. The title has been in both names from XX/XX/XXXX. He was able to refinance over and over when his business was failing and could not have qualified if verified. He has leins on property ... please help me ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, TransUnion, and XXXX multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached
Product: Credit card or prepaid card

On XX/XX/XXXX I called Wal-Mart credit card company ( XXXX XXXX  ) after running over a nail with my car ( around XXXX XXXX  ). The customer service rep told me I could use the XXXX at XXXX XXXX to purchase tires and receive 12 months 0 % ... call when I purchase them and they would code it. I had options Monday night. I could have used my XXXX card and purchase tires right down the street from me. However, my father had just purchased fromXXXX  and was happy. After getting confirmation from the rep at XXXX I called XXXX and ordered my tires : they would be in by noon on Tuesday. That evening after work I went to XXXX and had all 4 tires put on ( awd you need to replace all 4 ). I called again to verify that I had just purchased the tires and needed it coded. I was told that it takes 24 hours and to call back. I said I will call Wed. The second rep told me to wait until Thurs. due to my job schedule I didnt get around to calling until Sat ( XXXX XXXX ). A third rep said she was sorry but they couldnt do it at XXXX even though it is a sister company. This is after the fact I just spent {$470.00} and have been driving on these tires 5 days! The supervisor told me this just means they have to train and coach the reps better. There is nothing they could do! I Feel mislead and trapped! If they had provided me with correct information on Monday, none of this would have happed. To add to it, the supervisor told me, I would be surprised how often this happens, that some reps are just on overdrive. I would get a letter in the mail from the financial department explaining why I can get the special finance. I cant believe what I heard! I am not the one who did anything wrong. I was just going by what they stated to me. On XX/XX/XXXX I called to speak to another supervisor. She tried to blame XXXX XXXX for selling the tires. I should talk to their manager. The manager Never was involved with the purchase, their company was the one who provided FALSE information making me use their card. Each time I called them I have asked for our conversation to be recorded. They said I could only have the recording if I subpoena them. I feel helpless and mislead. Please help.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit card or prepaid card

Bank of America and XXXX of California closed my debit card said I requested new one.. that a lie they sending new debit card with my name on it to lady in california... Bank of America did this giving new card I did not ask for now can't reach anyone debit card on way to name address I don't no
Product: Debt collection

On XX/XX/XXXX I received a letter from Century Credit and Collections requesting {$260.00} from a medical bill of {$170.00}. I never received the medical bill so this is the first time I am hearing about this charge.I was moving and there was an issue with the postal service at that time. I called on XX/XX/XXXX and I spoke to possibly XXXX and asked her to drop the extra charges since I never received a medical bill and this is the first time I am hearing about charge. I told her the extra charges are unfair and she directed me back to the medical clinic. The clinic said they mailed to my new address the bill three times. Maybe its because I moved and there was an issue with my mail I did not receive any of the bills. I asked to pay the amount due and not the extra charges. The medical clinic referred me back to the Century Credit and Collections on XXXX and I spoke to XXXX XXXX. She was bargaining with me and said she can settle the account for {$230.00} when the total charges were {$260.00}. I asked her to be humane and drop the charges since I had an issue receiving mail and it was not my fault. I had all the good intentions of paying the bill. She said I have to pay the {$230.00} today or she threatened to report me and damage my credit if I do not pay. I asked her to speak to her supervisor and she refused to let me negotiate. The letter said I had 30 days to contact the agency but she was giving me only one day before she damaged my credit if I do not pay. She also refused to let me speak to supervisor and let me know my rights. She just hung up on me without trying to find a solution.
Product: Debt collection

I have never done business with XXXX nor XXXX. No contract was provided between XXXX XXXX and XXXX nor XXXX XXXX and XXXX. Police report was filed due to identity theft ; accessing my credit report without written consent between XXXX XXXX and XXXX nor XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Ive been writing your company for numerous months. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute with both Transunion and XXXX invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.
Product: Credit card or prepaid card

I was paying my XXXX XXXX XXXX card every month online. As the card was suspended, I destroyed the card. I continued to make payments online. In XXXX they locked my online account access. Since I am unable to call during weekday office hours I could not contact anyone. I didn't make any payments. Then in XXXX when I was on vacation, I spent over 2 hrs on hold on 3 different occasions trying make a payment. The process on the phone is tedious and hold times terribly long.I just want them to unlock my online access so that I can make payments online. Now that I've caught up with other bills I am able to pay it on time. I just can't be on the phone during the week to do it.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The information provided below is the same information dated on the same dates that I've sent to all the other credit reporting agencies. XXXX and XXXX have both investigated the accounts in questioned and have since complied by deleting these inaccuracies off my credit report. 
-- -- -- -- -- -++++++++++++++++ -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Credit Information Services,  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2019 Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by the creditors in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see the following entries : XXXX XXXX XXXX   XXXX XXXX, judgement from XXXX Superior Court for {$6000.00}. 
Auto Loan with XXXX XXXX. It shows a balance of {$14000.00}. 
XXXX XXXX collection for {$1000.00}. 
SSA/Office. Collection in the amount of {$35000.00}. 
XXXX XXXX collection in the amount of {$370.00}. 
XXXX XXXX in the amount of {$610.00}. 
XXXX XXXX XXXX for {$3100.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with these creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Thank you for your assistance regarding this matter. 

Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX reports my XXXX XXXX account into collection. This account was paid in full and should have never been reported on my credit report.