23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Tuesday, XX/XX/XXXX, my wife received a phone call from a Texas number XXXX ( which was disconnected shortly after the phone call when my wife tried to call back ) stating that her husband was pending legal action on a civil matter and if she could reach me. She handed me the phone and the woman proceeded to give me a case number of XXXX and said I needed to call XXXX to speak with a mediator to attempt to resolve an outstanding debt from XX/XX/XXXX or I will be taken to court in 10 days. I called the number and was told the company 's name was XXXX XXXX ' by a man named XXXX XXXX XXXX He asked for the last 4 digits of my social security number and once given, read my entire social back to me and stated that if I go to court the amount would be {$3600.00} plus any attorney fees, but if I paid it the same day I could satisfy the outstanding debt for {$840.00}. If I wanted to split it into two payments, it would be {$1700.00}, but I needed to choose soon. I was given 48 hours after I told him I planned to speak with my wife about it. I have not been served, I am on XXXX XXXX, so I have been away, but my wife has not had any notification or attempts made to serve me while she has been home. When I questioned about the statute of limitations, XXXX XXXX stated that it does not apply to my situation because I moved out of state when I joined the service and that the reason the debt did not show up on my credit report which my wife has me check religiously is because it is from a bank and that would be in the XXXX. When 48 hours passed, he called me again at a XXXX number. When asked for the company 's name they stated " XXXX XXXX '' but when I attempt to locate information about the company or man I spoke with, I find nothing. I told him that I do not plan to pay a debt he can not and will not provide documentation for. He told me in order to show the debt, I would need to agree to a settled amount. When I said I wanted proof of the debt, he said he does not have it and the bank wouldn't since it would have been sold to a debt collection agency and that agency is likely not around either.
Product: Bank account or service

Once I refinanced my mortgage in 2013, Wells Fargo opened a checking account for me. I have no active recollection of agreeing to that, but I assume the paperwork was among the massive volume of papers to sign with the mortgage. The account was never used and dormant until two months ago when XXXX XXXX started to charge me a $ XXXX monthly fee for this account. 
I called to have the account closed but was told the account was " inactive '' and they need to activate it and then I need to call back to close it. In fact, they charged me fees for an " inactive '' account. 
Since then I have attempted three times on the phone and multiple times via Wells Fargo 's online platform to close the account with no success. I have been told again the account is inactive and ca n't be close or was put on hold to speak with " premier bankers '' etc. 
I 'm utterly frustrated that I can not close an inactive account that has never been used. I do n't know how I can accomplish this. They advise I could send a notarized letter via regular mail. Should it be that difficult in this country to close an account without a balance? They can slip in a sheet of paper to get it opened, I can open an account online in a minute, but closing an account is made awfully difficult. 
Please help!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have not ever file for bankruptcy
Product: Mortgage

My mortgage company Ocwen offered me a trial plan XX/XX/2013 under the HAMP program. I made all the trial payments, then made additional payments at the trial plan amount. They told me the modification was being generated. Then they told me the modification was denied and that I had to apply again. They did not give me a reason why the modification was denied. Now they are denying me saying that the investor does n't participate in HAMP. They refuse to give me any proof that my investor does not participate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to access my Equifax file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on Equifax 's end. I just want to be able to check my report like I do with the other services.
Product: Credit reporting or other personal consumer reports

Inquiries that WERE NOT AUTHORIZED AND NEED TO BE removedremove : * XXXX XXXX  : XX/XX/XXXX - XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -on all XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS-AVANTUSXXXX-XACTUS LLC- XXXX XXXX XXXX XXXXXX/XX/XXXX - all XXXX bureaus 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received this dispute letter from Equifax. This actually account was included in a XXXX bankruptcy, filed in XXXX of XXXX, and It was dismissed in XXXX of XXXX. This information is not accurate, and an complete investigation was not done. 

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX Dear XXXX XXXX XXXX : We are pleased to let you know that the results of the dispute you recently filed with Equifax are complete. Here are a few things to know about the process : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cas App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I currently have a regular mortgage for my condo that is being serviced by NewREZ financial. I am currently paying Mortgage Insurance ( MI ) because my loan to value ( LTV ) has been  greater than 80 %. In XXXX of last year ( 2019 ) I was made aware via a letter in the mail from NewREZ that I could have a BPO or broker pricing option that would value my home and potentially eliminate the MI. This is somehow done via XXXX XXXX because they hold the mortgage. So I agreed, signed the letter and sent it in. I didn't realize that they also wanted a {$150.00} payment. So months go by and i have not heard anything. I give them a call ( maybe in XXXX ) and it is a disaster. First no one I speak of knows what a BPO is. They told me I have to pay {$450.00} or something to get a valuation, and that my LTV. They try to get me to refinance and take out a home equity line and say that will save me money. I decided to see what it will take to refinance with someone else because NewREZ with their sister company Shellpoint Mortgage seem really sketchy to me at this point and I don't even know how my mortgage was purchased by them. I realize refinancing elsewhere is not an option. I send in {$150.00} to NewREZ in XXXX and it is taken out of my principal. Then it is refunded and taken out as a fee or other charge. I call them, several times throughout XXXX and XXXX and it take me a very long time to get a hold of anyone. Most of the operators do not know what a BPO is, they don't see that I paid {$150.00}, they send me to a specialist several times who is a debt collector and doesn't know what a BPO is. I eventually get to a manager a few times and they say, the BPO was never request, or you need to pay {$150.00} or you need to sign something ( all of which I had done and the {$150.00} was reflected on my account ). Eventually I get a random call from some company in Nevada who arranges to send out a real estate agent to value my property. Success. I am reading through the BPO guidlines on XXXX XXXX website, and apparently I am entitled to review the BPO and my lender is required to give it to me. After the appraisal I get a funny email with a letter dated in XX/XX/2019 saying my LTV is over 80 % and still need to pay MI and that i may have to pay down to 60 % LTV if I want MI removed. This is crazy! It then goes on to say I need to get a BPO,  which i just did? Clearly they are making some money off of the MI and trying to avoid having it removed. PRicing in my neighborhood have gone up between 10 and 15 % over the last few years due to gentrification and my taxes are soaring so the {$220.00} MI being removed would really help me. I have never missed a payment. I need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/year>, I was working on my computer from home and I received an email from XXXX XXXX, that included and attached invoice for {$810.00}. I also saw the charge on my bank account from my computer. I opened the invoice and called the number on the invoice to ask for a refund. Immediately after I open the invoice my computer went dark and I lost control of my computer. I couldn't turn it off or on, nothing I have no access. I kept trying to turn the computer off and on and finally after almost 2 hours I was able to reset it and it turned off. I can tell it was on because the keyboard was on. The person that answered the phone was a so called XXXX XXXX and gave me his phone number and employee id. His employee id : XXXX and the phone number on the invoice claiming to be norton virus company is XXXX. 
They said they were going to return my refund and my computer access but I needed to wait. Then they started to threaten me to freeze my bank account access and accounts and that's when I realized it was an actual scam and fraud. I called the bank and reported the whole situation and filed a claim that same day. The bank told me to go in person to a chase branch and close all the accounts and open new ones. They blocked my online access to my accounts and freeze my debit card. Yesterday XX/XX/year> I called the bank to let them know I closed the accounts and opened new ones and they informed my that the claim was denied because the company that received the money decided to accept the payment because it was not a fraudulent transaction and they believed it to be valid. The same company that called me and told me that they didn't believed it was a valid payment and it looked suspicious to them. They even promised me to call me back or write and email about this situation, but never heard back from them, I sent them emails and called but nothing. The bank informed me they couldn't give me any more information and that the claim was denied. The total amount was {$3000.00} and they wired these money from my chase account to that company XXXX XXXX. I received a couple of emails from this crypto dispenser company that said " request received '' when I didn't requested anything, not sure if these scammers had access to my email account. I sent them a separated email asking about this " requests '' but no answer or reply. I have attached all the emails I sent to this crypto dispenser company and no reply. I have no access to my account so I can't sent a picture of the wire transferred, but I am attaching a picture of the statement that the bank printed of recent transactions when I closed and opened a new account. You can see in the statement the wire transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.
Product: Credit card or prepaid card

Lane Bryant comenty bank. 
I never signed up for XXXX XXXX I closed my account months ago I called XXXX XXXX and they dont even show that I have the service but it is showing up on my statements I claim fraud I have been telling Lane Bryant I can not see where to remove this service online and they wont help me remove I told them I want it removed and refund me money since the beginning of time and all associated fees interest that go along with a service I never signed up for they wont help me.. so I need your help asap
Product: Debt collection

This company his no right to my private medical information to collect profits. Furthermore this debt does not belong to me and was discharged. Please see attached letter to collector.
Product: Credit card or prepaid card

This complaint is in reference to my Lowes card financed by Synchrony bank. I called Synchrony bank on XX/XX/2021 due to a statement received. I was informed by there customer service that my account has been automatically enrolled by Synchrony in paperless billing by Synchrony. This was unauthorized by me and I was not notified of the change of billing nor were I given options to decline this service. The phone representative informed me that I was notified by email which was not received or read by my self. This is an unauthorized sales/service practice by Synchrony bank, in which they are forcing customers to electronic services with out the customers permission or knowledge. I was advised by phone that Synchrony will not provide documented proof that this Illegal activity will not negatively effect my account, Credit reporting and that interest and fees will continue to accrue on this account. This activity is Synchrony Bank 's way of obtaining additional interest income and fees from its customers and negatively affecting there customers credit and should be dealt with sever punishment. Other US banks have been through multi million dollar law suits due to Unauthorized sales and service practices and here we go again with Synchrony. I am asking for you to levy a {$400.00} executive order against Synchrony bank that is payable to me for this illegal activity to me. Further more, Synchrony bank should not be allowed to charge fees and interest on this or report any negative credit reporting. My {$400.00} complementation request is only valid for the month of XX/XX/2021. I am currently seeking a Mortgage on a home and if any negative reporting is sent to the credit bureaus about my account with Synchrony I will be obligated to increase my compensation request to {$400000.00} to {>= $1,000,000} depending on my lenders review of the updated credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : XXXX  Account # : XXXX This account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of this account contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit reporting agencies about a debt on my account that is not mine. I have disputed this item and the credit bureaus have not properly looked into this issue. XXXX XXXX is collecting a debt from XXXX  XXXX in which XXXX  XXXX does not have an application for this debt. I am asking that this debt is removed from my credit report because this debt is not mine nor can XXXX  XXXX definitively say that the debt belongs to me without a signed application. The burden of proof is not on the consumer to prove that the debt is not theirs. The burden of proof belongs to the creditor to prove that I contractually owe a debt and they can not do that. Please remove this debt from my credit report because you are violating my rights as a consumer to have accurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX XXXX XXXX sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXXXXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act the creditor of Capital One and XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681, section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Product: Credit card

For background, I have a number of CC that are mostly paid off every month if used at all and a perfect payment record on credit report and generally extremely good credit. I have had a Citi Bank Shop Your Way CC since XXXX  and it is one of my favorite cards to use for daily needs due to the bonus points and special rate offers they frequently send me. I happen to see the request for credit increase listed in the online portal and figured since I hadn't done that for this card in a long time I would request an increase. I normally do this for most of my CC periodically or the company automatically does it since I am an excellent customer. My request ( much to my surprise ) was immediately denied and then I got a message on XX/XX/XXXX saying it was due to " Unsatisfactory existing account payment history ''. This seemed odd. I called both the number on the paper and the number on the back of my card and talked to at least 3 people for over an hour and they couldn't give me much info, but they didn't see any late payments or anything in system. I was worried that someone had an unauthorized account under my name or something! Then next day on XX/XX/XXXX I get another message that the " system '' performed a review of my account and with no warning closed my account of 6+ years claiming " one or more occurrences of late or returned payments in the last 6 months ''. I immediately called and spent another hour on the phone trying to figure out where the heck they came up with that. Cycled through multiple unhelpful people ( probably more like a useless automated system that didn't let them do any customer service ) to a manager. She a least showed some concern but still said there was nothing they could do as it was an automated system review and the system rules did not have an override or any possible oversight. She concluded that 4 months ago I had 2 extra principle payments scheduled on the same day ( way over minimum required monthly payment that was already satisfied ) that got " returned ''. The only reason that happened is the scheduled payment account they were linked to had been shut down by XXXXXXXX XXXX fraud dept in an abundance of caution at the same time frame the payments were scheduled so the payments were " returned ''. Manager was nice enough to at least tell me she filed my complaint against the system, but I am not sure if she really did or if that helps anyone as there was no reference and she said it was internal use only. Really sucks to cut ties with a perfectly good customer and I find this to be a horrible business decision. And the fact that they can even do that with no human review from bank agent should be illegal, and who knows, maybe it is!