23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This should be considered a follow-up to Reference XXXX. Because J A Cambece took no additional action the case was dismissed. However, on XXXX-XXXX-2018 I received a call from their office attempting to collect on the debt regardless. I consider this to be a form of harassment and will seek any remedy available. The number shown on the caller ID was XXXX and the time was XXXXXX/XX/XXXX. Thank you for your assistance. 

XXXX XXXX Consumer
Product: Debt collection

I do not have debt at all.i do not owe nobody nothing.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/year> Netspend Claim number is XXXX Name : XXXX XXXX Phone number : XXXX or XXXX Email : XXXX Account : XXXX My name is XXXX XXXX On XX/XX/year> the amount of {$800.00} was stolen from my account. 
Posted on XX/XX/year> at XXXX PM Debit : Account-to-Account Transfer. FROM : XXXX XXXX XXXX TO : XXXX XXXX XXXX {$800.00} I dont know anyone by that name. I freaked out and called Netspend right away to let them know what happened to me. Nespend told me that this person their flashID to get into my account online. I was told to quickly change my password, my email and my pin to my card which I did right away. I called housing and let them know what happened, so I dont be late on my rent. I am crying and upset being that my money was stolen from me. 
I contacted the police department the same day XX/XX/year> and dropped off the paperwork to the officer the same day. 
XXXX Police Department, Location : XXXX XXXX XXXX, XXXX, PA. XXXX Phone Number : XXXX and XXXX number : XXXX and an officer XXXX XXXX came to my home to give me a police report to fill out for fraud. Officer XXXX XXXX gave me a case number XXXX, his card information, badge number XXXX. He told me to contact Netspend and let them know as well about the police report. The officer told me that the name XXXX XXXX sounds like a fake name. I hand back the paper work I filled out to the officer at the police station and a copy of the illegal transfer of the money from my Netspend account. 

I sent an attached copy of the police report and the copy of the officer card information. I need my money back into my account asap so i can pay my bills. This is wrong and this person will go to jail. 

XXXX Police Department : XXXX XXXX Police Case : XXXX Officer : XXXX XXXX XXXX XXXX file though the federal trade commission XXXX XXXX report number is : XXXX I need my XXXX back into my account so I can get my life saving meds and pay my bills.. this money was stolen from me.XXXX
Product: Credit card or prepaid card

I had two credit cards with Citibank, I cancelled the Citi XXXX card on XX/XX/22 because I couldn't justify the annual fee with my spending habits. At the time, I had XXXX Thank You Points. Note, the two cards were combined in Citi 's Thank you point program. I was unable to see the Thank You Points separately in the program website, from everything I could see, the points were combined and not associated with either card anymore. 

I ask the CSR if I needed to do anything with the Thank you points after cancelling, since the cards were combined. I was told no, because they are combined. I received a confirmation email that my XXXX card was cancelled on XX/XX/22, it stated that I needed to use the thank you points within 60 days. It also stated you won't have access to the site unless you have another card, which I do. I assumed this was a generic email that did not differentiate between combined and non-combined Thank you points accounts. 

I logged into my account in XXXX and noticed that XXXX thank you points had disappeared, I called the Thank you Department and was told there was nothing they could do because it was after 60 days. I called back and the new CSR tried to reinstate my XXXX card to see if they could fix it that way, but it was denied due to the time frame. At this point, I was told the points were gone forever. No other options were provided, I would have been happy with a similar credit on my other open card. 

I lost {$900.00} worth of points because of a misunderstanding on how the cancellations work when you have multiple cards that are combined in the Thank You Points program. At a minimum, the points should be paid out as a credit at their lowest {$0.00} cents value. Why would points that I earned just disappear? Why would a reasonable consumer cancel a card with {$900.00} of points on it to save a {$99.00} annual fee?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXXXXXX,
Product: Mortgage

I applied for a Loan modification in 2009 because of financial hardship having being furloughed from the state of CA, ( I was employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX CA ) Wells Fargo Bank did not grant the loan modification instead put the house on a Short sale and sold the home for little or nothing to a XXXX person. 
The sale company hussled me and gave XXXX the home in a very quick manner
Product: Credit reporting

We have numerous items being incorrectly reported on our credit reports by Experian. XXXX for example is an Account from XXXX that they have listed three times, each listed differently but each listed as derogatory but we only had XXXX account at this bank. I have written them at close to 10 letters asking for resolutions. They keep telling the the items have been verified or previously verified. Since I know they are not mine I have continually asked for proof of their verifications from the original creditor and not a third party reporting site as required by law. Yet they refuse to comply and have sent no proof of verification from any creditor listed on my credit file. 

We have accounts that I have asked them to remove because they are not mine and they tell me they are my accounts yet they will provide no proof of verification. 

Now they are asking me to provide proof of indetification but I have previously sent that to them 2-3 times from my same address. It is interesting how I have to prove my own identity but they can then destroy it with out proving they are reporting correctly by following the law regarding verification processed. 

I am filing this report as required before I hire a collections attorney. I have been denied credit several times within the past few months due to these errors and I will pursue this to the fullest extent. 

I have a i inch binder packed with letters over the past 6-9 months and can send if needed.
Product: Credit reporting or other personal consumer reports

It was reported to my Credit Reports that I was 30 days late 2 times. 
XXXX and XXXX. Both these months I made my payment. {$1400.00} paid in XXXX. I confirmed that I was not late on that payment. I made that payment from my XXXX XXXX Checking account. I also made another payment of {$9.00}. For my XXXX statement i made multiple payments totalling over {$57000.00}. These were also internal payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

XX/XX/2017 I signed on to my online account at FNB of PA. I wanted to print a statement on my IRA - CD account so that I do not miss the maturity date to transfer it to another organization. When doing so, the statement that appeared was not mine, but for another of their customers. I could not access mine at all and now I have another persons account information. This is certainly a privacy issue and should have been dealt with on a priority basis. I called the customer service number and after a lengthy wait, they could see there was a problem. They mailed me my statement, but I want this issue corrected and it makes me wonder who has my account information. I received a call back from a loan servicing person who left me a message and said what ever problem that I was reporting was correct. It is not correct however and the other persons statement is still showing on my online account. I again reported this to them. So now I think a complaint is in order. I could determine that the last four numbers of my account matched the last four numbers of the other persons account, but mine was a CD and theirs was a savings account. I suppose it was a mapping issue so other account holders could experience the same thing.
Product: Mortgage

I am refinancing my existing Citibank Heloc with another bank. The process has gone very smooth with the exception that Citibank has not provided a payoff demand. 
One was obtained about 45 days ago but became old then a second one was requested about 3 weeks ago but Citibank is not responding. The escrow officer has been calling Citibank everyday but Citibank has not provided one. 
I was contacted by escrow for help and I have called the customer service 3 times for assistance but so far nothing. I have even faxed requests on XX/XX/XXXX and XX/XX/XXXX ( today ) but nothing yet. I have explained to Citibank that my lock will expire, that it will cost me money but they just do n't care. It should not take over three weeks for a bank to provide a payoff demand.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found inaccurate late payment notations on my account ( XXXX XXXX, Account Number : XXXX ). All payments have been made on time, making these reports incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of reported data, and knowingly reporting errors is a violation of this law. The discrepancies are as follows : TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year> and XX/XX/year>, while Equifax inaccurately XXXX XXXX late payments for XX/XX/year> and XX/XX/year>. Since my account status remains current across all three bureaus, these errors should be corrected immediately. I request documentation verifying compliance with 15 U.S. Code 1666b, which requires periodic statements to be delivered at least 21 days before the due date. Please provide the periodic statement and tracking number confirming timely delivery. I have attached my credit report highlighting these inaccuracies and request that they be corrected within 15 days of receipt.
Product: Bank account or service

Hello there, It all started with a fraudulent charge on my credit card, I file the claim with Wells Fargo and requested a refund, finally I got that taking care of, but the waiting was very unpleasant with Wells Fargo customer service, the fraud and claim departments. These people behind the phone, only provide first name, please investigate this bank deeply, today I will close my accounts because they are threatening me to close my accounts if I do n't provide a Social Security Number, this bank was the one who opened a credit card and wanted me to do business with them. They are threatening because I submitted the claim of those charges. 
When I called I started a log because some calls were very unpleasant, poor customer service, they put me on hold, they hung the phone on me as well. 
Every time I called I was give information to wait, or they transferred me to other departments and they hung the phone on me. 
I have a few names of those customer service representatives from Disputes or Fraud or customer service offices that really need urgent training. 
I was treated really bad, not a care for my dispute and wasting my time with vague answers. 
Wells Fargo Card Services, XXXX XXXX, this man keep sending me emails with no real answer and ignoring my requests. This man never provided the last name but you can see in the attachment what he was doing. I even this there is bad intentions to cause distress. 
Wells Fargo Online Customer Service, XXXX XXXX, this woman asked me information about my issue with Wells Fargo and never responded, never follow up, instead she sent the email to XXXX XXXX the man, mentioned above. 
Wells Fargo XXXX Speaking representative, XXXX, this man, I beg him for help after being hung up a few times, this man, put me on hold for 25 minutes and then hung the phone. 
Yesterday, I received another letter that unless I provided my TIN or SSN they will close the account and penalties will apply. 
I have done business with this bank for about 14 years, not the best of experiences, they are the ones who sent the option for a credit card, and now this. 
I believe they want to bother me because I disputed those charges from my account. 
The first letter came from a XXXX Manager, Wells Fargo Risk Operations XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Can you please investigate this bank. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 XX/XX/21 XX/XX/21 re : XXXX XXXX  credit card. I entered a restructure program to get my account current and to have them report current on my credit report. I made 4 payments in 3 months ( more payments than required ). XXXX XXXX  was to report my account current to the credit bureau for XXXX XXXX and XXXX. They currently have me delinquent in XXXX XXXX and account closed in XXXX. Part of the restructure was to close the account, but they were to accurately report my account as current. I have disputed in writing their reporting and have asked for a written copy of our agreement on the restructure. I employed a credit counseling company to dispute and I have disputed with the credit bureau. I've called and written for a copy of the restructure agreement, it has been more than 30 days and I do not have the written agreement and they have not reported accurately. I've talked to Experian  and I am told that they contacted XXXX, XXXX said they were reporting accurately and they closed their dispute. I argued with Experian and asked what the purpose of my dispute was if they were going to believe the cc company. I was told they are not a reporting center and not for the use of the consumer.
Product: Credit card or prepaid card

Discover Sent a card to my address in the name of " XXXX XXXX '', no one with a name even close to that lives here. I think an online scammer may have gotten the home address. I shredded the envelope completely.
Product: Mortgage

I have been reaching out to my mortgage servicer BMO Harris Bank since XX/XX/XXXX asking what they have for for my XXXX and I am being ignored. 

I have called them 3 times and was told by customer service I would be called back and I've heard nothing. I emailed them ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( see attached ), asking for this information and I've heard nothing back. My escrow payment increased again in XXXX and I called with questions and received a call back on both occasions, but no one has called or has been able to answer any questions in regards to this inquiry. I am being completely ignored. 

Last year when I reached out to them they wanted me to pay for a full appraisal but I'm just inquiring as to what they have in their records. I should not have to pay out of my own pocket for information they are required to track, unless I disagree with their assessment. 

My understanding is they are required to drop my PMI once I am at 80 % LTV. I bought my home in XXXX for {$200000.00}, refinanced in XXXX and have never had a late payment. My current loan amount is {$140000.00}. I believe I am well below 80 % LTV but without knowing what they have my LTV at, I can't confirm. 

I do not believe they are tracking this information for me or for any of their customers and I believe the bank is taking advantage of someone who is in good standing to offset the customers that are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not have enough security in place to protect my private information. They claim that my information may have been stolen by hackers. As a result, I took an entire day off work to : - call credit reporting agencies to freeze my accounts ( {$44.00} for my wife and myself total ) - add additional security to my accounts where possible In addition, I am now faced with the additional overhead of needing to unfreeze my credit report whenever necessary - for the rest of my life. Furthermore, I am at a significant risk of identify theft and will either need to regularly scrutinize my accounts and credit reports or hire a company to do this for me. The going rate is $ XXXXmonth ( LifeLock ) for anyone with a 401k ( which I have ). $ XXXXmonth for the rest of my life is roughly {$9000.00} amortized. 

It is my belief that Equifax understood their responsibility to protect my data and the risks that they were taking. I believe that they chose to implement lax security protocol in order to increase their profits, despite the increased risk this placed on my data. 

They currently have a website you can use to check the safety of your data. Unfortunately, there is ample evidence that this site returns somewhat random results. For example, it would seem that the SSN you enter is not used in most cases. I tried with several common surnames and they all returned exactly the same result ( your data may have been compromised ) regardless of what SSN I entered. This clearly significantly increases the cost to those whose data was NOT stolen by making it seem like it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Product: Credit reporting or other personal consumer reports

I discovered based off XXXX XXXX compliance that all the company listed below was not in compliant with XXXX XXXX that was put in place to protect us as consumers. 

Also for all the XXXX XXXX accounts listed below i would like to request a XXXX that was issued by credit bureaus when the debt was charged off with the IRS which XXXX required by law for all debt over {$600.00}. 



XXXX. XXXX XXXX XXXX XXXX off XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a home equity loan with Nevada State Bank dba Zions Bancorp. I live in a flood zone. Every year Zions Bancorp needs proof of flood insurance coverage. This year there was some difficulty getting a declaration page from my insurance with the exactly correct name on it because Zions Bancorp changed their name in some small way so as to make the previous way the name was shown incorrect. After many, many phone calls and follow up conversations with both my insurance company and Zions Bancorp,, the representative told me everything was correct and she had received the exactly perfect declaration page she needed. This was all done in an effort to not be charged their " forced placed '' flood insurance coverage ( {$770.00} ). After I was assured Zions Bancorp had received the perfect declaration page, I was charged the {$770.00} and it was backdated to XXXX/XXXX/16. After calling the Zions Bancorp representative who assured me I would not be charged, I was told the charge would be removed IN THREE WEEKS. It 's been four weeks now and the charge is still on my account on which I am being charged interest. Nobody at Zions Bancorp can remove this charge. I 've filed a complaint with their customer service, talked to a supervisor, talked with original flood insurance specialist who assured me everything was in place. It 's been a month now and the charge is still on my account.
Product: Debt collection

I have a problem with acima credit since they are reporting an account to my credit report is fraudulent since someone stole my information and opened that account already with this is the 3rd claim and they asked me for a police report here I send it to them.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you examine the documents? There are inaccuracies in some accounts, including reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX  XXXX -XXXX  XXXX -XXXX XXXX XXXXXXXX XXXX I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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.
Product: Debt collection

The company, XXXX XXXX has contacted my family members ( wife, mother in law, father in law, mother, father, sister, grandmother ) continuously. They have never tried to call or text me. I have asked them to stop by calling them multiple times to request they do not contact any of my family members. Nothing is working. They continue to contact anybody that is possibly related to me even after I called and gave them my number. The company they say theyre collecting for is one I have never had any business dealings with and they refuse to send me any paperwork or information showing a contract of any sort. One person I spoke with cussed me out and told me he would XXXXXXXX XXXX XXXX XXXX XXXXXXXX as well as threatening to sue for {$15000.00} if I didnt pay {$370.00}, which is the amount I supposedly owe the company theyre saying they represent.