23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX, SC XXXXXXXX/XXXX/XXXXNational Credit AdjustersXXXX XXXX XXXX, XXXX XXXX XXXX, KANSAS XXXXRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against National Credit Adjusters for {$12000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
I was contacted by your company which called my cell phone on an auto dialer at which time I was made aware of an account fraudulently opened with XXXX. At that time I informed said collector the account was not mine and requested validation I also informed said collector to XXXX & XXXX the account until full validation was provided. Yet to my dismay the calls continued and no mail correspondence has ever been received. I had filed an initial complaint with your company at which time I was advised that the account would be closed and I would be mailed a letter that the account was satisfied. Now several months later I have requested that letter and it has never been provided. Now I have checked my credit and this account is listed on there as a collection/chargeoff account which has had an adverse effect on my credit and my ability to obtain credit. Your failure to update the credit bureaus and original creditor have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Constituting actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$5000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause XXXX Fair Debt Collection ActCase # XXXX XXXX XXXXYour prompt attention is appreciated, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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: Mortgage

Rocket Mortgage sent over {$6000.00} to XXXX XXXX XXXX XXXX FL when {$0.00} should have been sent. 
They deducted it from my personal escrow acct. leaving me debt for flood coverage already paid by my XXXX XXXX XXXX XXXX XXXX. 
Rocket Mortgage deducted this amount on behalf of XXXX units at XXXX Condos They acknowledged verbally on XX/XX/XXXX that the check was sent out due to an error on Rocket Mortgage. 
They have yet to refund my escrow and have raised my mortgage payment where I will be in default as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed late payments reflected on my report. 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. The following late payments are affecting my account : XXXX XXXX  # XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year>. Also, 15 USC 1666 b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Chase erroneously rejected a wire transfer into my bank account, then charged the sender ( a family member ) {$50.00} for the rejected wire transfer. This was verified by the VP of the sender 's bank, but Chase refuses to do anything about it, and will not even discuss giving it back. Multiple calls with Chase reps and supervisors refused to discuss any process for refunding the erroneous fee, even if we get the sending bank involved in the discussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting a tax lien on my credit report that has been paid and the lien has been released. Each time I have attempted to dispute this information and provide a lien release document, equifax has required me to prove my identity through a method where I must answer questions that they say are identifiers that have been gleaned from my credit report. The questions are NOT FOR ME. NONE OF THE QUESTIONS MATCH ANYTHING THAT WOULD RELATE TO ME. When I answer " none of the above '' I get an error message stating that I can not be identified thus I can not be helped. This, in my belief, is being done to deter me from disputing this erroneously reported derogatory occurrence. 

I would like this resolved so that I can provide them with proof of my proper lien status.
Product: Debt collection

XXXX I wanted to make a complaint on opportunity financial because they have reported in accurate information on my account purposely. 

I disputed the information on my account and asked for validation of the account. 

The information opportunity financial sent back shows that being deceptive in credit reporting is a normal everyday business accurance for them. 

I have attached where they have mentioned several amounts that I owe from their own validation paperwork they sent me. 

In there paperwork it says on XX/XX/2019 I had a credit limit of {$1500.00}. 

It said that on this date I was charged {$190.00} in fees and that I used {$120.00} of this credit limit. 
It goes on to say on XX/XX/2019 I was charged {$170.00} in fees for the exact same principle amount that was used on XX/XX/2019. 

This brought the total they say I owe to {$310.00} and {$290.00} on these two occasions and the total is {$610.00} for the month of XXXX in XXXX. 

The credit limit was {$1500.00} and the amount used is {$610.00} so that means that there is an un used credit balance of {$880.00} left in credit. 

Opprotunity Financial also stated in there paperwork that is attached on this complaint and labeled opportunity loan created amount. 

They are saying that payments were made on the principal balance but they have not shown what the balance was after payment. They also have not shown what amount was paid. 

Was the total amount paid and they are trying to run a collections scam? 

Then on XX/XX/2019 they stated the account was charged off and the amount owed was {$2100.00} They are running an illegal collection scam here according to consumer laws. 

The credit limit was {$1500.00}, {$610.00} was spent according to them. Then a balance above the so called signed for credit limit was created for {$1800.00} then it ballooned to {$2100.00}. 

Also according to the opportunity loan from credit report attachment the balance owed is {$1800.00} and the credit limit is {$1500.00} and the high balance is {$1800.00}. 

Opportunity financial has clearly run a collections scam and are seeking to defraud me of my money that I go to work for everyday. 
Opportunity financial has had several chances to correct this information but instead has doubled down on being deceptive and being a bully. 

This behavior has caused so much hardship and financial pain that I want this debt deleted immediately and {$2000.00} paid out to me for the hardship I went through. 

I am also upset that the credit bureaus have reported this on my credit while saying they verified this information and kept reporting the blatant incorrect information. 

I think the credit bureau has something involved in this because this is upsurb to think the bureau had a hand in this deceptive behavior. 

they also have no signature of this debt, but so conveinently said they have a digital signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo ... ... I tried to dispute it as instructed, they have been taking 4 months to resolve it, the law says 30 days
Product: Credit reporting or other personal consumer reports

The persons XXXX, TRANS UNION and XXXX Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency XXXX and XXXX just claim to verify account. I have no documentation of validation upon requests, this is my 3rd time addressing matter, I want XXXX the consumer reporting agency to remove XXXX XXXX XXXX  from consumer report.
Product: Credit reporting or other personal consumer reports

Apparently on XX/XX/2023 Citibank Na., Best B pulled my credit for an inquiry, for what reason I don't know. I did not authorize them to perform this action for no type of reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights : XXXX XXXX Account XXXX XXXX  AND Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy '', 15 U.S.C. 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ". Under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! 
When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! 
They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! 
When they take your money there is XXXX visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! 
Its all sketchy and bait and switch scam!!! 
Run, run, run!!! 
I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! 
They also use the business name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an American Express credit card in XX/XX/XXXX, I made the payments monthly sometimes twice a month. In XX/XX/XXXX my mother XXXX, I was unemployed, I contacted the company and made every effort to pay but could n't. During this time, the company assured me that I had insurance for the card and that this insurance could cover the payments until I was able to find a job. Subsequently, the account went into charge off status and to this day, even though the card was in this status American Express continues to put on my credit report monthly that my account is late, even though the account is closed and in charge off status. This has also prevented me from refinancing my student loans which has extremely high monthly payments.
Product: Credit reporting or other personal consumer reports

I want these unauthorized inquiries gone within this week from my credit report
Product: Checking or savings account

I had not received a response for the prior compliant filed, XXXX prior to submitting the CFPB feedback for the filed complaint. The response from Bank of America did not address the concern in complaint # XXXX. The response states they failed to see a Bank Error ; however, it was their teller that informed me the Cashiers Check was a valid check. The tellers supervisor/co-worker ( XXXX ) even asked the teller if they were going to verify and the response given was, no no its good, and she pushed the check through. If there is a process of 14 days verification, when I asked about the validity of the check, the response from the teller should have been that there is no way to verify with 100 % certainty right now, please allow up to 14 days for the funds to clear. This was not the response, the teller stated the check was valid! 

The entire reason I went inside the bank to cash the check was to verify the check was legitimate before proceeding forward with XXXX XXXX process. The teller assured me that the check was a valid check and this in itself was a {$15000.00} bank error. The teller should not have provided this information if they were not 100 % sure that this was the case. The response from Bank of America no where addresses the fact that miss-information was provided by their employee. Based on the information provided by the bank teller, I proceeded to wire the funds to what I thought was my client. The check was not valid and through Bank of America 's research, was completely fraudulent. The funds were returned, and my company now lost the {$15000.00}, of which I only had so much in the account to begin with so it now shows I owe the bank, and that is my dispute, since improper information was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX XXXX XXXX  Account Number XXXX These accounts are inaccurate due to the facts on the documents that are attached. 

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint with the CFPB, XX/XX/2022 on XXXXXXXX XXXX and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted account.
Product: Debt collection

I have been trying to get the XXXX charge off of my report as it was FRAUD and reported as such. I have contacted all three credit reporting companies with no such luck. I have sent XXXX the police report and they still wont remove this from my report. THIS SHOULD BE REMOVED!!!!!
Product: Checking or savings account

I called a XXXX XXXX school to schedule my son for their package of 10 hours of driving for XXXX on XX/XX/2020. They withdrew the XXXX out of my account on XX/XX/2020. XXXX driving school was suppose to pick my son up for his 2 hours on XXXX the XXXX @ XXXX XXXX after waiting for 40 minutes I called the school multiple times to find out what was going on, no one answered. I texted the driver who was suppose to pick my son up, he never responded. I sent a text message to the driver stating that since no one wants to return my call or pick the phone up my next call was to my bank.So I called my bank USAA to dispute the charge because obviously they had my money so why bother calling me. On XX/XX/XXXX, the driver text my phone to tell me that the owner of the school decided to shut the school down due to COVID-19. The Governor or any Governor for that matter has not shut down anything as of yet for COVID-19. So the XXXX XXXX school can now keep my money with NO services rendered and use COVID-19 as an excuse to embezzle money out of people. USAA was no help in this dispute because they said they don't cover anything COVID-19 since it government laws. I told them the dispute is NOT COVID- 19 related because nothing was shut down that is XXXX excuse for keeping my money and not providing any service. I just want my XXXX dollars back and XXXX held accountable for their dirty actions.
Product: Payday loan, title loan, or personal loan

I got this line of credit on XX/XX/XXXX. I call and spoke with a representative because the had my payment date wrong. The representative said he/ she fix it. I have made my payments on time every time : payment dates as follows : XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and the last payment made on XX/XX/XXXX of XXXX... They are saying I had a return ach payment. Never have I had a return payment. They are saying it was saying it was XX/XX/XXXX. This is not correct neverrrr had a notice from my bank. XXXX I stopped XXXX. Because I like to pay on my own. And I pay in advance. They have charged me and absorbent amount in interest and saying I'm 72 days pass due. One point being how can I continue to withdraw from this account if I'm pass due. Which you can clearly see I'm not. This companies payment system is all screwed up. Furthermore I have never received a contract with what my interest rate is. All I was told in the beginning that there is a fee biweekly which I'm assuming is the interest of what they charge. I also asked my rate several times never has anyone been able to answer my questions. I want this account closed and also my account to reflect always on time with no additional interest. You can pull the calls as they say calls are monitored. I work for a bank and all of this is a violate of TILA.. I don't even have an account number because their website is very vague.
Product: Mortgage

Hello My wife and I filed bankruptcy and have been out bankruptcy for over a year now. However our loan on or Mortgage being serviced by Select Portfolio Servicing says the following : " Our records indicate that your obligation has either been discharged or is subject to an automatic stay order the United States Bankruptcy Code. Even though your personal liability on the note may be discharged or subject to an automatic stay, the terms of the mortgage remain in effect and the owner of the mortgage, as a lien holder, continues to have a lien on the real property. '' After repeated calls to SPS they told us that we needed to re-affirmation letter while we were in bankruptcy in order to change the status of our lien. 
For the last year we were unaware that SPS and previous Mortgage servicing company XXXX bank had kept us in this protected category. Basically keeping us in their " debt collection status '' Both XXXX and SPS when we called for assistance have said on their recording " you have reached the debt collecting department attempting to collect a debt '' When we called SPS our current servicing company they said " We will always be in the debt collection status because we needed to have a " Re-affirmation letter of debt while we were in bankruptcy '' within the last 12 months of making payments on our mortgage they have not recorded any of the payments to the credit agencies and this has caused issues for our credit reports as well as wanting to refinance our loan. We are current on our loan and all payments. 

From our Bankruptcy lawyer : Hi. 
It is a total lie that assistance on a mortgage is linked to re-affirmation. In fact, the federal regulations preclude this. 
To refresh your memory we do n't re-affirm mortgages. Only personal property ( a car, a boat etc ) is subject to re-affirmation. In fact, some Judges have suggested that re-affirming a mortgage is malpractice if supported by an attorney. 

What we do with mortgages ( and you DID DO ) is file a Statement of Intention to retain the property ( pay ). This should be in with your records and can also be pulled from the bankruptcy court 's electronic website. 

If you are having this trouble I strongly suggest that you file a complaint with the federal cfpb. It is super easy and done entirely online. The mortgage company ( or more likely the assigned rep ) is just taking a bogus position in so far as what you are relaying. 
XXXX We are looking for help and hope that your department can place pressure on Select Portfolio Servicing , Inc to follow the rule of law. 
We are tired of receiving bogus and inflammatory mailing every couple of weeks from them keeping us in the " debt collection department '' and ruining our credit. 
Thank you
Product: Student loan

I have been on an income-based repayment plan for a number of years. My federal student loans are currently serviced primarily by XXXX XXXX. In XX/XX/XXXX I received a standard notification that I would need to recertify my income by the end of the year in order to continue to be on income-based repayment in XXXX. In XX/XX/XXXX, I submitted the relevant paperwork and income verification to recertify my income-based plan. Despite this, my XXXX loan payment was approximately ten times what it should have been had I been under the income-based repayment. 

I noticed this, and gave XXXX a call explaining the facts and the situation. I was then told that my XXXX payment amount would be " reviewed '' and I would receive an email within 7-10 business days with the outcome of the " review. '' In fact, more than a month later after having called in again, I was only then told over the phone that the " review '' was unsuccessful and my XXXX payment would not be corrected. I never got the email I was promised, and to date have no idea what standard was used to " review '' my payment amount. When I called I was told that XXXX " billed 20 days in advance '' and my XXXX bill had already been processed, and that was why the XXXX amount was so much. 

My XXXX payment continues to remain the same, despite my XXXX and XXXX payments being the proper amounts based on the income-based repayment calculation.